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Dergiler / Uluslararası Ekonomi İşletme ve Politika Dergisi / 2026 / Cilt: 10 Sayı: 2

Finansallaşmanın Servet Eşitsizliği Üzerindeki Etkisi: OECD Ülkeleri için Ampirik Bir Araştırma

The Impact of Financialization on Wealth Inequality: An Empirical Investigation of OECD Countries

Arif Eser Güzel(HATAY MUSTAFA KEMAL ÜNİVERSİTESİ)0000-0001-5072-9527
Sayfa
991–1008
Yayın Tarihi
2026-10-01
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⚡ TL;DR(1 Cümlede Hızlı Çıkarım)

Bulgular, finansallaşmanın etkisinin kullanılan göstergeye göre farklılaştığını göstermektedir.

📌 3 Maddede Bu Makale

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Amaç & Hipotez:Servet eşitsizliği, ekonomik eşitsizliğin kalıcı ve yapısal boyutlarından biridir.
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Temel Bulgular & Veri:Gelir eşitsizliği daha çok dönemsel gelir akımlarındaki farklılıkları yansıtırken, servet eşitsizliği geçmiş birikimler, varlık sahipliği ve kuşaklar arası aktarımlar yoluyla daha uzun süreli sonuçlar doğurmaktadır.
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Sonuç & Katkı:Bulgular, finansallaşmanın etkisinin kullanılan göstergeye göre farklılaştığını göstermektedir.
🔬Tür:Araştırma Makalesi
📍Kapsam:2023 Verileri
⚙️Değişkenler:Servet eşitsizliği · finansallaşma · hanehalkı borçluluğu

Özet

Servet eşitsizliği, ekonomik eşitsizliğin kalıcı ve yapısal boyutlarından biridir. Gelir eşitsizliği daha çok dönemsel gelir akımlarındaki farklılıkları yansıtırken, servet eşitsizliği geçmiş birikimler, varlık sahipliği ve kuşaklar arası aktarımlar yoluyla daha uzun süreli sonuçlar doğurmaktadır. Son yıllarda servet yoğunlaşmasının artması, finansallaşmanın bu süreçteki rolünü önemli hale getirmiştir. Finansallaşma, finansal faaliyetlerin genişlemesinin yanı sıra varlık fiyatları, finansal getiriler, borçlanma ilişkileri ve hanehalkı bilançoları üzerinden servet dağılımını etkileyen bir süreçtir. Bu çalışmanın amacı, finansallaşmanın servet eşitsizliği üzerindeki etkisini OECD ülkeleri için 1995-2023 dönemi verileriyle analiz etmektir. Çalışmada Arttırılmış Ortalama Grup (AMG) tahmincisi kullanılmıştır. Bulgular, finansallaşmanın etkisinin kullanılan göstergeye göre farklılaştığını göstermektedir. Finans ve sigorta katma değerinin GSYH içindeki payı, Gini endeksiyle ölçülen genel servet eşitsizliğini ve en üst %10’luk kesimin servet payını artırmaktadır. Hanehalkı borçluluğu ise özellikle genel servet dağılımındaki bozulmayı açıklamaktadır. En üst %1’lik kesim üzerindeki etkiler ise anlamlı bulunmamıştır.

Abstract

Wealth inequality is one of the persistent and structural dimensions of economic inequality. While income inequality mostly reflects differences in periodic income flows, wealth inequality produces longer-lasting outcomes through past accumulation, asset ownership and intergenerational transfers. In recent years, the rise in wealth concentration has made the role of financialization in this process increasingly important. Financialization refers not only to the expansion of financial activities, but also to a process that affects wealth distribution through asset prices, financial returns, debt relations and household balance sheets. The aim of this study is to analyze the effect of financialization on wealth inequality in OECD countries using data for the period 1995–2023. The Augmented Mean Group (AMG) estimator is employed in the analysis. The findings show that the effect of financialization differs depending on the indicator used. The share of finance and insurance value added in GDP increases overall wealth inequality, measured by the Gini index, and the wealth share of the top 10%. Household debt particularly explains the deterioration in overall wealth distribution. The effects on the top 1% are not statistically significant.

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Bu Makaleye Atıf Yap

Güzel, A. E. (2026). Finansallaşmanın Servet Eşitsizliği Üzerindeki Etkisi: OECD Ülkeleri için Ampirik Bir Araştırma. Uluslararası Ekonomi İşletme ve Politika Dergisi, Cilt: 10 Sayı: 2, 991–1008. https://doi.org/10.29216/ueip.1984990

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