Publication: Avrupa Birliği’ne üyelik yolunda Türk bankacılık sektörünün karşılaştırmalı analizi
Abstract
Servet unsurunun korunması, ticari ilişkilerin gelişimi ve ekonomik etkinliklerin çeşitlenmesi sonucunda bankacılık hizmetleri ortaya çıkmış ve bu hizmetler bir gelişim trendi içerisine girmiştir. Bu gelişmeler özellikle Avrupa’da önemle karşılanmış ve gerekli uygulamaların hayata geçirilebilmesi adına adımlar atılmıştır. Avrupa’da bankacılık sisteminin gelişimi Avrupa Birliği (AB) oluşumuyla birlikte farklı boyutlara ulaşmış ve gelişimini Birlik içerisindeki ortak politikalar çerçevesinde şekillendirmeye başlamıştır. AB’nin bir parçası olmak arzusunda olan Türkiye’de de, ekonomik ilişkilerin varlığının neticesi olarak, AB ekonomisini yakından takip etmek ve gelişmelere uyumun yakalanması adına adımlar atmak önemli bir husus olarak karşılanmıştır. Bu noktada bankacılık sistemi ekonomik ilişkiler açısından önemli bir konumda bulunmaktadır. Bu sebeple AB bütünleşme sürecinde gerekli mevzuat uygulamalarının uyumu ve bankacılık hizmetlerinin belirli standartlara kavuşturulması önemli bir husustur. Son dönemde Türk Bankacılık Sektöründeki önemli atılımların global piyasada önemle karşılanmış olması bankacılık sektörüne büyük bir katma değer sağlamıştır. Bu noktada çalışmanın amacı Avrupa’daki ve Türkiye’deki Bankacılık Sektörü’nün gelişimini ve mevcut durumunu karşılaştırarak, bütünleşmenin önündeki sorunların tespitini kolaylaştırmak ve ekonomik etkinliğin sağlanabilmesi adına karşılıklı olarak nelerin yapılabileceğinin ortaya konulabilmesini sağlamaktır. Çalışmanın birinci bölümünde; Avrupa’daki bankacılık sisteminin tarihsel gelişimi ve mevcut durumu ele alınmıştır. İkinci bölümde Türkiye’deki bankacılık sisteminin tarihsel gelişimi ve mevcut durumu incelenmiş, üçüncü bölümde AB’ye uyum sürecinde Türk Bankacılık Sektörü’nün gelişimi ele alınmıştır. Dördüncü bölümde Türkiye’deki ve AB’deki bankacılık sistemi uygulamaları karşılaştırılarak swot analizi yardımıyla tespitlerde bulunulmuş ve beşinci bölümde sonuç ve değerlendirme kısmına yer verilmiştir. Bankacılık, 2008 Krizi, Bankacılıkta AB’ye Uyum, Swot Analizi
As a result of the protection of wealth, the development of commercial relations and the diversification of economic activities, banking services have emerged and these services have entered a development trend. These developments are importantly, especially in Europe, have been met and they have been taken in order to be able to pass on the necessary applications. The development of the banking system in Europe has reached different dimensions with the formation of the European Union (EU) and has begun to shape its development in the framework of common policies within the Union.In Turkey, which is in the process of becoming part of the EU, it is important to follow the EU economy closely and to take steps in order to adapt to developments, as a result of the existence of economic relations. At this point, the banking system is in an important position in terms of economic relations. Therefore, integration of required legislation in EU integration process and the provision of banking services to specific standards are an important issue.In the recent period, the fact that important developments in the Turkish Banking Sector have been met with great importance in the global market has provided a great added value to the banking sector. The aim of this point of study is to facilitate the identification of the problems of the integration precess by comparing the current situation and the development of the Banking Sector in Europe and Turkey and to ensure that what can be done mutually in order to ensure economic efficiency.In the first part of the study; The historical development of the banking system in Europe and its current situation are discussed. In the second part, the historical development and current situation of the banking system in Turkey are examined, in the third part, the development of the Turkish Banking Sector in the process of adaptation to the EU is discussed. In the fourth chapter, the applications of banking system in Turkey and EU are compared and detected by Swot analysis and in the fifth section, the results and evaluation section are included.
As a result of the protection of wealth, the development of commercial relations and the diversification of economic activities, banking services have emerged and these services have entered a development trend. These developments are importantly, especially in Europe, have been met and they have been taken in order to be able to pass on the necessary applications. The development of the banking system in Europe has reached different dimensions with the formation of the European Union (EU) and has begun to shape its development in the framework of common policies within the Union.In Turkey, which is in the process of becoming part of the EU, it is important to follow the EU economy closely and to take steps in order to adapt to developments, as a result of the existence of economic relations. At this point, the banking system is in an important position in terms of economic relations. Therefore, integration of required legislation in EU integration process and the provision of banking services to specific standards are an important issue.In the recent period, the fact that important developments in the Turkish Banking Sector have been met with great importance in the global market has provided a great added value to the banking sector. The aim of this point of study is to facilitate the identification of the problems of the integration precess by comparing the current situation and the development of the Banking Sector in Europe and Turkey and to ensure that what can be done mutually in order to ensure economic efficiency.In the first part of the study; The historical development of the banking system in Europe and its current situation are discussed. In the second part, the historical development and current situation of the banking system in Turkey are examined, in the third part, the development of the Turkish Banking Sector in the process of adaptation to the EU is discussed. In the fourth chapter, the applications of banking system in Turkey and EU are compared and detected by Swot analysis and in the fifth section, the results and evaluation section are included.