85 research outputs found

    Para politikası araçları ve makro ihtiyati tedbirlerin kredi büyümesi üzerine etkileri: banka büyüklüğü ve kredi türünün önemi

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    Bu çalışmada, Türk bankacılık sektörü bilanço verisi kullanılarak, 2002Ç4-2015Ç1 döneminde uygulanan para politikası araçları ve makro ihtiyati politikaların kredi büyümesi üzerindeki etkileri panel veri tahmin yöntemiyle incelenmektedir. Söz konusu etkiler, önceki çalışmalardan farklı olarak, banka büyüklüğü ve kredi türü ayrımında ele alınmaktadır. Çalışmanın bu ayrım gözetilerek yapılmasının nedeni, uygulanan para politikası araçları ve makro ihtiyati tedbirlerin, büyük ve küçük bankaların aktif ve pasif kompozisyonunda görülen farklılıklar nedeniyle, kredi türüne de bağlı olarak, kredi büyüme oranları üzerinde asimetrik bir etki yaratma olasılığıdır. Tahmin sonuçları, politika faizindeki 1 yüzde puan artışla ifade edilebilecek daha sıkı bir para politikası duruşunun, büyük bankaların toplam kredi büyümesini 0,46-0,49 yüzde puan, bireysel kredi büyümesini ise 0,88-0,94 yüzde puan azalttığını göstermektedir. Buna karşılık, bulgular, daha sıkı bir makro ihtiyati politika duruşunun, küçük bankaların toplam, bireysel ve ticari kredi büyüme oranlarını yavaşlattığına, büyük bankaların ise sadece bireysel kredi büyüme oranlarında düşüşe neden olduğuna işaret etmektedir.This study analyzes the effects of monetary policy tools and macro prudential measures on credit growth during 2002Q4-2015Q period by using Turkish banking sector balance sheet data and panel data estimation methods. Unlike earlier studies, these effects are examined with an asset size and credit type breakdown. This breakdown is necessary as the differences observed between big and small banks with respect to their asset and liability composition can cause monetary and macro prudential policies to have asymmetric effects on credit growth rates, depending on the credit type. The estimation results show that a tighter monetary policy manifested by 1 percentage point increase in the policy rate reduces total credit growth rate of big banks by 0.46-0.49 percentage points while the consumer credit growth of big banks declines by 0.88-0.94 percentage points. On the other hand, a tighter macro prudential policy slows down credit growth of small banks for all credit types, whereas for big banks, the deceleration is observed only in consumer credits

    Changes in hemostasis parameters in nonfatal methicillin-sensitive Staphylococcus aureus bacteremia complicated by endocarditis or thromboembolic events : a prospective gender-age adjusted cohort study

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    The aim of this study was to examine the changes in hemostasis parameters in endocarditis and thromboembolic events in nonfatal methicillin-sensitive Staphylococcus aureus bacteremia (MS-SAB) - a topic not evaluated previously. In total, 155 patients were recruited and were categorized according to the presence of endocarditis or thromboembolic events with gender-age adjusted controls. Patients who deceased within 90 days or patients not chosen as controls were excluded. SAB management was supervised by an infectious disease specialist. Patients with endocarditis (N = 21), compared to controls (N = 21), presented lower antithrombin III at day 4 (p <0.05), elevated antithrombin III at day 90 (p <0.01), prolonged activated partial thromboplastin time at days 4 and 10 (p <0.05), and enhanced thrombin-antithrombin complex at day 4 (p <0.01). Thromboembolic events (N = 8), compared to controls (N = 34), significantly increased thrombin-antithrombin complex at day 4 (p <0.05). In receiver operating characteristic analysis, the changes in these hemostasis parameters at day 4 predicted endocarditis and thromboembolic events (p <0.05). No differences in hemoglobin, thrombocyte, prothrombin fragment, thrombin time, factor VIII, D-dimer or fibrinogen levels were observed between cases and controls. The results suggest that nonfatal MS-SAB patients present marginal hemostasis parameter changes that, however, may have predictability for endocarditis or thromboembolic events. Larger studies are needed to further assess the connection of hemostasis to complications in SAB.Peer reviewe

    Treatment options for wastewater effluents from pharmaceutical companies

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    Modeling Attacks on MANET Using an Incomplete Repeated Bayesian Game

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