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Journals / Dumlupınar Üniversitesi Sosyal Bilimler Dergisi / 2011 / Cilt: 0 - Sayı: 29

Basel II standartlarının kobi kredi fiyatı üzerindeki etkisinin belirlenmesine ilişkin bir araştırma

Ömer İSKENDEROĞLU
Zeki DOĞAN
Ayşe Gül HATİPOĞLU
Pages
291–304
Publication Date
2022-10-11
DOI
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AI Summary & Key Takeaways

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

Nevertheless the volatility of the credit price of retail credits are lower than corporate credits with respect to Internal Rating Based.

📌 3 Key Takeaways

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Objective & Hypothesis:In this study with different sources of collaterals and different credit ratings the credit price of corporate credits and retails credits of Small and Medium sized Enterprise (SME) are investigated with Basel I, Basel II standard based and Internal Rating Based assumptions.
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Key Findings & Data:In this context it’s observed that, the credit price differs among corporate and retail credits under relevant assumptions.
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Conclusion & Impact:Nevertheless the volatility of the credit price of retail credits are lower than corporate credits with respect to Internal Rating Based.
🔬Design:Research Article
📍Scope:Comprehensive Sample
⚙️Variables:Domain Parameters

Abstract

In this study with different sources of collaterals and different credit ratings the credit price of corporate credits and retails credits of Small and Medium sized Enterprise (SME) are investigated with Basel I, Basel II standard based and Internal Rating Based assumptions. In this context it’s observed that, the credit price differs among corporate and retail credits under relevant assumptions. The most relevant credit price comes out with Internal Rating Based assumptions. Nevertheless the volatility of the credit price of retail credits are lower than corporate credits with respect to Internal Rating Based.

Özet

Bu çalışmada Basel I, Basel II standart yaklaşım, Basel II içsel derecelendirmeye dayalı yaklaşım çerçevesinde farklı teminat türleri ve farklı kredi notları için kredi fiyatının kurumsal ve perakende Küçük ve Orta Boy İşletmelerde (KOBİ) ne yönde değiştiği incelenmiştir. Bu bağlamda belli varsayımlar altında hesaplanan kredi notlarının yaklaşımlar çerçevesinde değiştiği gözlemlenmiş ve işletmeler açısından en uygun kredi fiyatının kredi notuna bağlı olarak içsel derecelendirmeye dayalı yaklaşım çerçevesinde oluştuğu tespit edilmiştir. Ayrıca kurumsal ve perakende KOBİ’ler karşılaştırıldığında, içsel derecelendirmeye dayalı yaklaşıma göre hesaplanan kredi fiyatının perakende KOBİ’lerde daha az dalgalanma gösterdiği gözlemlenmiştir.

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Cite This Article

İSKENDEROĞLU, Ö., DOĞAN, Z., HATİPOĞLU, A. G. (2022). Basel II standartlarının kobi kredi fiyatı üzerindeki etkisinin belirlenmesine ilişkin bir araştırma. Dumlupınar Üniversitesi Sosyal Bilimler Dergisi, Cilt: 0 - Sayı: 29, 291–304. https://ajindex.com/articles/493268

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