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- Title
Ticari Bankaların Kredi Yönetiminde Sektörel Yaklaşım: Faktoring ve Üretim Firmaları Üzerine Örnek Çalışma.
- Authors
TİKİCİERİ, Aykut; DİNÇSOY, Enver Erdinç
- Abstract
A large part of the asset structure of the banking sector consists of the loans, which are given by the banks. If the banks transfer their resources, which have interest cost, to insufficient companies, it may damage the cash flow of the banks and bring the risk of asset quality deterioration. One of the most important measures that enhance the Bank's image in terms of international credit rating agencies and investors is the low non-performing loan ratio. Also, one of the best minimization tools of this ratio is an effective credit analysis. In this study, credit allocation processes of two firms operating in different sectors were analyzed in macroeconomic, sectoral, asset, intelligence and financial aspects by the data from BRSA (Banking Regulation and Supervision Agency) and PDP (Public Disclosure Platform). The asset quality of the banks is directly related to the financial strength of companies, which are credited. The credit demand evaluations made systematically are limited to a certain credit limit and the credit demands above the specified limit are evaluated by the credit allocation teams of the banks. As a result, the best financing technique that will not harm the asset quality of the banks, which are the strategic partners of the lending companies, is subject to accurate credit analysis and management.
- Subjects
CREDIT analysis; CREDIT control; CREDIT management; CREDIT ratings; BANKING laws
- Publication
Balkan & Near Eastern Journal of Social Sciences (BNEJSS), 2019, Vol 5, Issue 3, p57
- ISSN
2149-9314
- Publication type
Article