Publication: Küresel finansallaşmanın Türkiye'deki bankaların finansal faaliyetlerine ve bireysel üzerine etkileri
Abstract
Finansallaşma, son yıllarda kurumlar ve bireyler üzerinde etkisini göstermektedir. Finansal piyasaların derinleşmesi, finansal ürün çeşitliliğinin artması ve uluslararası sermaye dolaşımının hızlanması, finansallaşmayı önemli kılmıştır. Finansal sektörün yanı sıra, finansal olmayan sektörlerin de finansallaşma süreci içinde yer almaktadır. Giderek artan finansallaşma süreci, üretimden finansal ürünlere yatırıma kaymaya sebep olmaktadır. Bu çalışmanın amacı; son yüzyılda dünya ekonomisine hakim olan finansallaşma akımının Türkiye’deki bankacılık sektörüne yansımaları üzerinedir. Çalışmada, bankacılık sektöründe büyüme iştahının bireyler üzerindeki yansımaları ve kredi kartı gibi harcamayı teşvik eden bankacılık ürünlerinin analizine yer verilmiştir. Çalışmanın varsayımı, finansallaşmanın ortaya çıkardığı yapay büyümenin tüketim eğilimi nedeni ile krediye dayalı finansal ürünlerin kullanımın rasyonel olmadığıdır. Finansal derinleşme, bireylerin kredi kartı kullanmalarını arttırarak bankaların önemli gelir kaynağı haline getirmiştir.
In recent years, Financialization illustrates its impact on institutions and individuals. The deepening of financial markets, the increase in diversity of financial products and the quick acceleration of international capital mobility financialization has made important. As well as financial sectors the non-financial sector also appears to be in the process of financialization. Little by little the development in financialization caused the change of the investment from production to financial products. Financialization process of growing, production, investment in financial products cause slipping. The purpose of this study is to show the reflection of financialization process which dominated the world economy in the banking sector of Turkey in the last century. In this study, the analysis of the growing desire in the banking sector on the individuals and some banking products like credit cards which encourage spending money, has been placed. The assumption of the study, revealed financialization artificial growth because of the propensity to consume based on credit, is that the rational use of financial products. Financial deepening has been increased individual credit card use, credit card income is an important source of banks’.
In recent years, Financialization illustrates its impact on institutions and individuals. The deepening of financial markets, the increase in diversity of financial products and the quick acceleration of international capital mobility financialization has made important. As well as financial sectors the non-financial sector also appears to be in the process of financialization. Little by little the development in financialization caused the change of the investment from production to financial products. Financialization process of growing, production, investment in financial products cause slipping. The purpose of this study is to show the reflection of financialization process which dominated the world economy in the banking sector of Turkey in the last century. In this study, the analysis of the growing desire in the banking sector on the individuals and some banking products like credit cards which encourage spending money, has been placed. The assumption of the study, revealed financialization artificial growth because of the propensity to consume based on credit, is that the rational use of financial products. Financial deepening has been increased individual credit card use, credit card income is an important source of banks’.