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Journals / BDDK Bankacılık ve Finansal Piyasalar Dergisi / 2026 / Cilt: 19 Sayı: 1

Özel Sektöre Verilen Krediler-Finansal Gelişmişlik Düzeyi Arasındaki Bağlantıda Enflasyonun Eşik Etkisine İlişkin Kanıtlar

Kenan İlarslan(AFYON KOCATEPE ÜNİVERSİTESİ)0000-0002-5097-7552
Pages
46–64
Publication Date
2025-06-24
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AI Summary & Key Takeaways

AI Insight
⚡ TL;DR(Too Long; Didn't Read)

Ayrıca hukukun üstünlüğü değişkeni ise örneklemdeki ülkelerde özel sektöre verilen kredileri artırıcı yönde bir etkiye sahiptir.

📌 3 Key Takeaways

🎯
Objective & Hypothesis:Reel sektöre fonların aktarılmasına aracılık eden finansal sistemin rolü, sermaye kaynaklarının verimli kullanılması açısından önem arz etmektedir.
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Key Findings & Data:Bu motivasyondan hareketle çalışmanın amacı, yükselen ve gelişmekte olan 54 ülke bağlamında 2002-2021 döneminde enflasyon oranına bağlı olarak finansal gelişmişlik düzeyinin özel sektöre verilen yurtiçi krediler üzerindeki etkisini belirlemektir.
💡
Conclusion & Impact:Ayrıca hukukun üstünlüğü değişkeni ise örneklemdeki ülkelerde özel sektöre verilen kredileri artırıcı yönde bir etkiye sahiptir.
🔬Design:Survey & Empirical Study
📍Scope:2002-2021 Verileri
⚙️Variables:Özel sektöre verilen yurtiçi krediler · Finansal gelişmişlik düzeyi · Hukukun üstünlüğü

Özet

Reel sektöre fonların aktarılmasına aracılık eden finansal sistemin rolü, sermaye kaynaklarının verimli kullanılması açısından önem arz etmektedir. Bu motivasyondan hareketle çalışmanın amacı, yükselen ve gelişmekte olan 54 ülke bağlamında 2002-2021 döneminde enflasyon oranına bağlı olarak finansal gelişmişlik düzeyinin özel sektöre verilen yurtiçi krediler üzerindeki etkisini belirlemektir. Hukukun üstünlüğü ise kontrol değişkeni olarak çalışmada kullanılmıştır. Eşik regresyon modeli çerçevesinde yapılan analizlerden elde edilen ampirik sonuçlar enflasyon oranının, finansal gelişmişlik düzeyi ile özel sektöre verilen krediler arasındaki ilişkide tek bir eşik etkisine sahip olduğunu göstermektedir. Buna göre %3.14 ve altındaki enflasyon döneminde finansal gelişmişliğin özel sektöre verilen krediler üzerindeki etkisi pozitif yönlüdür. %3.14 üstündeki enflasyon dönemlerinde ise finansal gelişmişlik düzeyinin özel sektör kredileri üzerindeki etkisi yine pozitif olmakla birlikte daha azdır. Bu bulgulara göre enflasyon düzeyine bağlı olarak finansal gelişmişlik düzeyinin yükselen ve gelişen ekonomilerde özel sektöre verilen krediler üzerinde doğrusal olmayan bir etkiye sahip olduğuna dair ampirik kanıtlara ulaşılmıştır. Ayrıca hukukun üstünlüğü değişkeni ise örneklemdeki ülkelerde özel sektöre verilen kredileri artırıcı yönde bir etkiye sahiptir.

🔖

Cite This Article

İlarslan, K. (2025). Özel Sektöre Verilen Krediler-Finansal Gelişmişlik Düzeyi Arasındaki Bağlantıda Enflasyonun Eşik Etkisine İlişkin Kanıtlar. BDDK Bankacılık ve Finansal Piyasalar Dergisi, Cilt: 19 Sayı: 1, 46–64. https://doi.org/10.46520/bddkdergisi.1723996

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