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Journals / BDDK Bankacılık ve Finansal Piyasalar Dergisi / 2016 / Cilt: 10 - Sayı: 2

Does a Competitive Banking Sector Promote Access to Credit by Firms?

Rekabetçi Bankacılık Sektörü Firmaların Krediye Erişimlerini Kolaylaştırır mı?

Elmas YALDIZ HANEDAR
Pages
9–27
DOI
—
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AI Summary & Key Takeaways

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

The results of ordered probit model indicate a positive relationship between competition in banking and access to credit by firms.

📌 3 Key Takeaways

🎯
Objective & Hypothesis:Since banks are the biggest source of credit around the world, the competitive structure of banking sector can affect the access to credit by firms.
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Key Findings & Data:The aim of this paper is to explore the effect of bank competition on access to credit by firms.
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Conclusion & Impact:The results of ordered probit model indicate a positive relationship between competition in banking and access to credit by firms.
🔬Design:Modeling & Simulation
📍Scope:Comprehensive Sample
⚙️Variables:Domain Parameters

Abstract

Since banks are the biggest source of credit around the world, the competitive structure of banking sector can affect the access to credit by firms. The aim of this paper is to explore the effect of bank competition on access to credit by firms. This paper has two contributions to the literature. First, it uses a relatively new measure of competition, i.e. Boone indicator for banking sector. Second, it employs the widest dataset that is ever used in the literature. The results of ordered probit model indicate a positive relationship between competition in banking and access to credit by firms.

Özet

Bankalar dünya genelinde en büyük kredi kaynağı oldukları için bankacılık sektörünün rekabetçi yapısının firmaların krediye erişimlerini etkilemesi beklenir. Bu çalışmanın amacı bankacılık sektöründeki rekabetin firmaların krediye erişimde karşılaştıkları zorlukları ne yönde etkilediğini bulmaktır. Çalışmanın mevcut literatüre iki katkısı vardır. İlk olarak, rekabeti ölçmek için nispeten yeni bir ölçü olan Boone göstergesi kullanılmıştır. İkinci olarak literatürde şimdiye dek kullanılmış en geniş veri setini kullanmıştır. Uygulanan sıralı probit modelinin sonuçları bankacılık sektöründeki rekabet ve firmaların karşı karşıya kaldığı finansal zorluklar arasında pozitif bir ilişki olduğunu göstermektedir.

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Cite This Article

HANEDAR, E. Y. (2016). Does a Competitive Banking Sector Promote Access to Credit by Firms?. BDDK Bankacılık ve Finansal Piyasalar Dergisi, Cilt: 10 - Sayı: 2, 9–27. https://ajindex.com/articles/143148

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