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Eurasian Academy Of Sciences Social Sciences JournalYl:2021 Say: 36 Alan: letme

Y. Ercan ALI, Bnyamin ZDOAN
RSKTEN KORUNMA ARALARININ TRK BANKACILIK SEKTRNDE KULLANIMI
 
Sistemik bankaclk krizleri, ekonomik aktivitede, finansal araclkta ve en nihayetinde de toplum refahnda de sebep olan olduka ykc olaylar olarak karmza kar. Son 50 ylda Dnya genelinde birok bankaclk krizi yaanm olup birok lke bu srete en az bir defa bu bankaclk krizlerine maruz kalmtr. Baz lkeler ise krlgan ekonomik ve politik yaplar gerei bu krizlere birok defa yenilmilerdir. Sistematik bankaclk krizlerine sebep olan bankalarn maruz kald balca riskler arasnda bankalarn ynetebilecei kur riski, likidite riski ve faiz riski gelmektedir. Bankaclk Kanunu, Trk Ticaret Kanunu (TTK), Borlar Kanunu gibi meri mevzuatn yannda, tavsiye edici kararlar ile bankaclk sistemi zerinde etkili olan Basel Kriterleri de bahse konu riskleri kontrol altnda tutarak bankalarn muhtemel sebep olabilecei finansal krizlerin nne gemeyi hedeflemitir.

Anahtar Kelimeler: Riskten Korunma, Banka, Trev Enstrmanlar, Faiz, Kur, Likidite


USE OF HEDGING INSTRUMENTS IN THE TURKISH BANKING SECTOR
 
Systemic banking crises are highly destructive events that cause a decline in economic activity, financial intermediation and ultimately social welfare. There were many banking crises around the world, and many countries were exposed to these banking crises at least once in the last 50 years. On the other hand, some countries have been defeated by these crises many times due to their fragile economic and political structures. Currency risk, liquidity risk and interest rate risk that banks can manage are among the main risks that banks are exposed to, which cause systematic banking crises. In addition to the current legislation such as the Banking Law, the Turkish Commercial Law, and the Law of Obligations, the Basel Criteria, which are effective on the banking system with their advisory decisions, also aimed to prevent financial crises that may be caused by banks by keeping the aforementioned risks under control.

Keywords: Hedging, Bank, Derivative Instruments, Interest Rate, Exchange Rate, Liquidity


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