Tarımsal İşletmelerin Finansmanı ve Türkiye Örneği

Abstract

Tarım sektörü, bir ülkenin gıda ambarı olmakla birlikte özellikle gelişmekte olan ülkelerde kalkınmanın itici gücü olarakta ön plana çıkmaktadır. Bu nedenle tarım sektörü açısından, tarımsal işletmelerin finansman sorunlarını çözerek bu işletmelerin gelişimi sektörün büyümesi ve istihdamı açısından da önem taşımaktadır. Bu çalışmanın amacı tarımsal sektörü ve bu kapsamda tarımsal işletmeler hakkında detaylı bilgiler vererek daha sonra tarımsal işletmelerin kredi uygulamalarına yönelik bankalar kesimi kaynaklı analiz ve karşılaştırmalarda bulunmaktır.

Agricultural sector, especially in a country's food store, although developing countries are emerging as the driving force of development. Therefore in terms of agriculture and agricultural businesses solve their financial problems as the industry's growth and development of these enterprises in terms of employment are also important. The purpose of this study is examined the agricultural sector from the agricultural enterprises by giving detailed information on credit applications, then the agricultural business sector for the banks is to find source analysis and comparisons.In this context, the literature must first work with the agricultural sector, agricultural business concept and the banking sector and agricultural credit applications have been given information about the application and then in 1988-2008 between the banking sector by the agricultural sector for the loans as of the general findings of the comparative analysis is subjected to. Agricultural credit for agricultural loans after general findings put forward the same period and also for the banking sector, the other dependent / independent variables could be interpreted by the hypothesis has been tested. In this context, all of the proposed hypothesis was accepted.Chronologically, the development of agricultural credit amount with the number of branches of banks and banks in the number of personnel, given by banks specialized in foreign loans and deposits in banks located between levels one relationship is statistically significant terms were put forward.