Bankacılık Sektöründe Kredi Kullanıcılarının Değerlendirilmesi
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Date
2014
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Modernleşen ve küreselleşen dünyamızda bankacılık sektörünün çok önemli işlevleri bulunmaktadır. hizmet, sanayi ve tarım sektörünün bir arada hızla büyümesine destek veren bankacılık sektörünün en önemli faaliyetlerinden biri ticari kredilerdir. Ülkemizde canlı ve rekabetçi sektör olan bankacılıkta, finansal kaynakların nisbi kısıtlılığı nedeniyle karlılığı da nispeten yüksektir. Bu çalışmada ticari kredi kullananların kredi sürecine bakış açıları incelenmiştir. Araştırmada veri toplama gereci olarak 18 sorudan oluşan anket kullanılmıştır. Veriler SPSS 16.0 programı ile analiz edilmiştir. Araştırma sonucunda katılımcıların en fazla konut kredisi kullandıkları, en çok 1-24 ay arası vadeyi tercih ettikleri, % 87'sinin kredi kartı kullanmadığı, kredi kullananların % 81'inin kullandıkları kredinin ihtiyaçlarını karşıladığı, işlem ücretinin yüksek olduğu ve işlem süresinin uzun olduğu bulgularına ulaşılmıştır. Cinsiyet, medeni durum, öğrenim durumu, meslek ve kredi kullanma durumu arasında istatistiksel olarak anlamlı bir ilişki bulunmamıştır. Aylık gelir durumu ve ücret fazlalığı arasında anlamlı ilişki bulunmuştur. Geliri yüksek olan bireylerin, geliri düşük olan bireylere göre ücret fazlalığına daha az önem verdikleri görülmüştür. Anahtar Kelimeler: Bankacılık, Ticari Kredi, Kredi Süreci.
Modernizing and globalizing the banking industry in our country are very important functions. In the meantime, the service industry and the agricultural sector to grow rapidly to a supporting one of the most important activities in the banking sector and commercial credits. In the banking sector, financial resources and competitive due to the limitation of profitability is also relatively proportional representation. In this study, we examined the process of commercial credit users credit perspectives. Research data collection instrument was used, consisting of 18 questions in the survey. Research data collection instrument was used, consisting of 18 questions in the survey. As a result of the research participants use the maximum mortgage loan, most 1-24 months the loan anymore, 87% of their preferred, do not rely on your credit card, credit users 81% of their loan meets the needs of, the transaction fee is high, and the process time has been reached the findings. Gender, marital status, education, profession and credit use no statistically significant relationship was found between the situation. Significant relationship between the State and charge excess of monthly income. Individuals with low income individuals with high income, the excess charge according to the less they care about. Keywords: Banking, Commercial Credits, Credit Process.
Modernizing and globalizing the banking industry in our country are very important functions. In the meantime, the service industry and the agricultural sector to grow rapidly to a supporting one of the most important activities in the banking sector and commercial credits. In the banking sector, financial resources and competitive due to the limitation of profitability is also relatively proportional representation. In this study, we examined the process of commercial credit users credit perspectives. Research data collection instrument was used, consisting of 18 questions in the survey. Research data collection instrument was used, consisting of 18 questions in the survey. As a result of the research participants use the maximum mortgage loan, most 1-24 months the loan anymore, 87% of their preferred, do not rely on your credit card, credit users 81% of their loan meets the needs of, the transaction fee is high, and the process time has been reached the findings. Gender, marital status, education, profession and credit use no statistically significant relationship was found between the situation. Significant relationship between the State and charge excess of monthly income. Individuals with low income individuals with high income, the excess charge according to the less they care about. Keywords: Banking, Commercial Credits, Credit Process.
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Bankacılık, Bankacılık sektörü, Banking, Bankalar, Banking sector, Krediler, Banks, Credits, Ticari krediler, Commercial credits
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