Publication: Türkiye’de faaliyet gösteren yabancı bankaların Kobi’lere finansman olanağı ve bir uygulama
Abstract
TÜRKİYE’DE FAALİYET GÖSTEREN YABANCI BANKALARIN KOBİ’LERE FİNANSMAN OLANAĞI VE BİR UYGULAMA Türkiye ekonomisinin bel kemiği olan küçük ve orta büyüklükteki işletmeler ( KOBİ) istihdamın önemli bir kısmını yaratmaktadır. Sınırlı sermaye ile kurulan KOBİ’ler esnek üretim yapıları, bölgeler arası dengesizlikleri gidermesi, büyük işletmeleri tamamlama ve ara mal üretme özelliği ile ekonominin vazgeçilmez bir parçasıdır. Bununla birlikte KOBİ’lerin ekonomik ve sosyal sitemdeki katkılarına oranla yeterince desteklendikleri ve teşvik edildikleri söylenemez. KOBİ’leri destekleyen kurumlar da yeterince bilinmemektedir. Genel itibariyle yetersiz özsermayeye sahip olan KOBİ’lerin öncelikli sorunlarında biri finansmandır. Gerek yerli gerekse yabancı bankaların KOBİ’lere yönelik bankacılık hizmetlerinde yoğunlaştığı görülmektedir. Özellikle bilanço yapısı zayıf KOBİ’lerin riskli grup içinde yer almasından dolayı kredi maliyeti yükselmektedir. Geri ödemede sıkıntı yaşaması halinde borçlarından tüm mal varlığı ile sorumlu olan işletme sahipleri kredi yolu ile finansman konusunda çekimser davranmaktadır. Çalışmamızda yabancı bankaların KOBİ’lere yönelik finansman olanağına ve KOBİ’ler ile yabancı bankalar arasındaki ilişkiye yer verilmiştir. Türkiye’de KOBİ’lerin yabancı banka finansman olanaklarından ne ölçüde yararlandığı tespit edilmeye çalışılmış, bu amaçla da anket yöntemi kullanılmıştır. Anket sonuçları tablolar ve grafikler yardımıyla değerlendirilmeye çalışılmıştır.
FINANCING OPPORTUNITY OF FOREIGN BANKS SHOWING ACTIVITY IN TURKEY TO SMEs AND AN APPLICATION Small and Medium Size Enterprises (SME) which are the backbone of Turkish economy are creating an important part of the employment. Founded with a limited capital, SMEs are the indispensable part of the economy by their features of flexible production structures, removing the inter-regional imbalances, completion of largest enterprises and manufacturing intermediate products. Notwithstanding, it can’t be say that SMEs are supported and encouraged enough in comparison with their contributions in the economical and social system. Also the institutions which support SMEs are not known enough. One of the important problems having priority of SMEs which have insufficient proprietary capital essentially is the financing. It is seen that both the local and the foreign banks are focused on the banking services aimed at SMEs. Because of SMEs of which the balance structures are weak are in the risky group, the credit costs are increasing. Enterprise owners who are liable of their debts with all their property holdings in case of having difficulty in repayment abstain about financing by credit. In our study, financing opportunity aimed at SMEs of the foreign banks and the relationship between the SMEs and the foreign banks are discussed. It is tried to determine that how much SMEs benefit from the foreign bank financing opportunities in Turkey; and for this purpose, the inquiry method is used. The inquiry results are tried to be evaluated with the assistance of tables and graphics.
FINANCING OPPORTUNITY OF FOREIGN BANKS SHOWING ACTIVITY IN TURKEY TO SMEs AND AN APPLICATION Small and Medium Size Enterprises (SME) which are the backbone of Turkish economy are creating an important part of the employment. Founded with a limited capital, SMEs are the indispensable part of the economy by their features of flexible production structures, removing the inter-regional imbalances, completion of largest enterprises and manufacturing intermediate products. Notwithstanding, it can’t be say that SMEs are supported and encouraged enough in comparison with their contributions in the economical and social system. Also the institutions which support SMEs are not known enough. One of the important problems having priority of SMEs which have insufficient proprietary capital essentially is the financing. It is seen that both the local and the foreign banks are focused on the banking services aimed at SMEs. Because of SMEs of which the balance structures are weak are in the risky group, the credit costs are increasing. Enterprise owners who are liable of their debts with all their property holdings in case of having difficulty in repayment abstain about financing by credit. In our study, financing opportunity aimed at SMEs of the foreign banks and the relationship between the SMEs and the foreign banks are discussed. It is tried to determine that how much SMEs benefit from the foreign bank financing opportunities in Turkey; and for this purpose, the inquiry method is used. The inquiry results are tried to be evaluated with the assistance of tables and graphics.