KOBİLERİN KREDİLENDİRİLME KARARLARINDA KREDİ SKORLAMA MODELLERİNİN KULLANIMI ÜZERİNE BİR ARAŞTIRMA
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Mehmet Akif Ersoy University
Mehmet Akif Ersoy Üniversitesi
Mehmet Akif Ersoy Üniversitesi
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Bu çalışmanın amacı, KOBİ’lerinkredibilitesini tespit ederken bankalarca kullanılan kredi skorlamamodellerindeki kriterleri açıklamak ve finansal kurumlardan fon sağlama sürecindeKOBİ’ler aleyhine olan bilgi asimetrisini ortadan kaldırmaktır. Bu kapsamda,amaçsal örnekleme ile seçilen Burdur ilindeki 10 mevduat bankasının şube veportföy yöneticileri ile mülakat çalışmasına gidilmiştir. Mülakatlardan eldeedilen veriler betimsel analize tabi tutulmuş ve sonuçlar literatürdekredilendirmenin 5K’sı olarak anılan karakter, kapasite, kapital, koşullar vekarşılıklar başlıkları altında sunulmuştur. Sonuçlar ışığında, akademiye, KOBİ’lereve düzenleyici ve denetleyici kuruluşlara öneriler getirilmiştir.
The aim of this research is todisclose the criterias that are used in banks’ credit scoring systems for small business lending decisions and to removeinformation asymetry for small businesses in fund raising process fromfinancial intermediaries. In this context, interviews are conducted with bankbranch managers and credit portfolio managers in Burdur City that are selectedby purposeful sampling. Data that is gathered by interviews is analyzed throughdescriptive analysis. The results are presented under the titles of 5C (Character, Capacity, Capital, Conditionsand Colleteral) of credit. According to results, suggestions for academy, smallbusiness and regulators are presented.
The aim of this research is todisclose the criterias that are used in banks’ credit scoring systems for small business lending decisions and to removeinformation asymetry for small businesses in fund raising process fromfinancial intermediaries. In this context, interviews are conducted with bankbranch managers and credit portfolio managers in Burdur City that are selectedby purposeful sampling. Data that is gathered by interviews is analyzed throughdescriptive analysis. The results are presented under the titles of 5C (Character, Capacity, Capital, Conditionsand Colleteral) of credit. According to results, suggestions for academy, smallbusiness and regulators are presented.