Geleneksel bankacılık ürünleri ile katılım bankacılığı ürünlerinin avantajları ve dezavantajlarının karşılaştırılması
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Date
2016
Authors
Günceler, Bülent
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Open Access Color
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Abstract
Genel bir tanımlama yapılmak istenirse banka; mevduat kabul edip, kabul edilen bu mevduatı yararlı olacak bir biçimde kredi işlemlerinde kullanma hedefi ile kurulan ticari müesseselerdir. Dünyadaki bankacılığın temelleri ortaçağda kiliselerin kutsal topraklara yapılan seyahatlerde hacı adaylarının kıymetli eşyalarını korumak amacıyla ortaya çıkmıştır. Türkiye'de bankacılık sistemi ise 1847 yılında kurulan Bank Der-Saadet İstanbul Bankası ile faaliyete başlamıştır. Türkiye'deki ve dünyadaki bankacılık sisteminde zamanla meydana gelen gelişmeler küresel ekonomik sistemle beraber entegre olmuş bir şekilde düzenlenmektedir. Söz konusu düzenlenme ve değişim, içinde bulunulan zamana göre bankacılık ürünlerindeki değişmelere ve farklılaşmalara yol açmaktadır. Zamanla değişen bireysel ve kurumsal segment bazındaki farklılaşmalar bankacılık sektöründe yeni ürün yelpazelerini de beraberinde getirmektedir. Farklılaşan piyasalara entegre edilmek istenilen bankacılık ürünlerine ilişkin riskli noktalara, bu ürünlerin gelişiminde yer alan içsel ve dışsal faktörlere, birbirleri ile kıyaslandığında avantajlı ve dezavantajlı noktalara, ürünlerin geliştirilmesi önündeki engellere ve ürünlerin nasıl geliştirilebileceğine bu çalışmamızda yer verilecektir
If banks wanted to be made a general definition; accept deposits, in a manner established with the goal to use the credit transaction will be beneficial to these deposits accepted Alarm commercial establishments. The foundations of the world banking medieval journeys to the churches of the Holy Land has emerged to protect the valuables of the pilgrims. The banking system in Turkey was founded in 1847, it began operations with Bank of Der-Felicity Istanbul Bank. developments that have occurred over time in the banking system in Turkey and the world are organized in a manner integrated with the global economic system. The said regulation and change, in accordance with the current time leads to change and result in differentiation in banking products. Time-varying range of new products in the retail and corporate segments, variations in the banking sector also brings with it some. Differentiating markets to be integrated into risky point for the desired banking products, in the development of these products to internal and external factors, the advantages and disadvantages points compared with each other, how to develop the obstacles to the development of the product and will be included in this new study.
If banks wanted to be made a general definition; accept deposits, in a manner established with the goal to use the credit transaction will be beneficial to these deposits accepted Alarm commercial establishments. The foundations of the world banking medieval journeys to the churches of the Holy Land has emerged to protect the valuables of the pilgrims. The banking system in Turkey was founded in 1847, it began operations with Bank of Der-Felicity Istanbul Bank. developments that have occurred over time in the banking system in Turkey and the world are organized in a manner integrated with the global economic system. The said regulation and change, in accordance with the current time leads to change and result in differentiation in banking products. Time-varying range of new products in the retail and corporate segments, variations in the banking sector also brings with it some. Differentiating markets to be integrated into risky point for the desired banking products, in the development of these products to internal and external factors, the advantages and disadvantages points compared with each other, how to develop the obstacles to the development of the product and will be included in this new study.
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Keywords
Bankacılık, Bankacılık, Bankacılık sektörü, Banking, Bankacılık sistemi, Banking, Banking sector, Bankalar, Banking system, Finansal ürünler, Banks, Financial products, Katılım bankacılığı, Participation banking
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148