MELİSA ERDİLEK KARABAY
(Marmara Üniversitesi, Bankacılık ve Sigortacılık Yüksekokulu, Sigortacılık Bölümü, İstanbul, Türkiye)
Pınar OKAY
(Marmara Üniversitesi, Bankacılık ve Sigortacılık Yüksekokulu, Bankacılık Bölümü, İstanbul, Türkiye)
Yıl: 2012Cilt: 13Sayı: 1ISSN: 1302-552X / 2651-4990Sayfa Aralığı: 3 - 50İngilizce

84 1
An empirical study of the measurement of the level of competition in the turkish banking system using panzar-rosse methodology
Türk bankacılık sektöründeki artan rekabet, kriz sonrası yeniden yapılandırma uygulamaları neticesinde hızlanan küreselleşmeyle beraber finansal piyasalar arasındaki entegrasyona hız vermiştir. Bankacılık sektöründe rekabet düzeyinin ölçülmesine olan ilgi sektördeki yoğunlaşmanın artmasına paralel olarak son derece önem kazanmıştır. Bu nedenle çalışmada, panel veri kullanılarak 2002- 2010 döneminde Türk mevduat bankalarının firma davranışına bağlı olarak rekabet düzeyinin tahmin edilmesi amaçlanmıştır. Bu amaç doğrultusunda mevduat bankalarının rekabet seviyesinin tahmini için “Yeni Endüstriyel Organizasyon Teorisi” kapsamında geliştirilmiş olan Panzar-Rosse modeli kullanılmıştır. Çalışmada 31 bankanın yıllık veri seti kullanılmış ve elde edilen ampirik sonuçlar bankacılık sektörünün monopolcü rekabet koşullarında faaliyet gösterdiğini ortaya koymuş ve tam rekabet ile tekelci koşullar reddedilmiştir. Özel mevduat bankalarının ise piyasa gücünü ellerinde tuttukları görülmektedir. Ampirik bulgular değerlendirildiğinde; Türk bankacılık sektörünün oligopolistik yapısına rağmen sektördeki firma davranışının tekelci rekabet ile tanımlandığı ortaya çıkmıştır bu da pazar gücü hipotezini desteklemektedir. Ayrıca, 2002-2010 yılları arasında yoğunlaşmadaki artış ve sektörün yeniden yapılanması nedeniyle banka sayısında ortaya çıkan azalma rekabetteki yoğunluğun azalmasını da beraberinde getirmektedir.
Sosyal > Hukuk
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