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Kredibilite analizinde bankaların mali tablolara güveni üzerine bir anket çalışması

An emprical study about banks confidence to financial statements in credibility analyses

  1. Tez No: 148265
  2. Yazar: NİLÜFER ÜN
  3. Danışmanlar: YRD. DOÇ. DR. SELAHATTİN KARABINAR
  4. Tez Türü: Yüksek Lisans
  5. Konular: İşletme, Business Administration
  6. Anahtar Kelimeler: Kredi Analizi, Finansal Tablolar, Muhasebe, Güven, Banka Kredisi. Bankalar
  7. Yıl: 2004
  8. Dil: Türkçe
  9. Üniversite: Sakarya Üniversitesi
  10. Enstitü: Sosyal Bilimler Enstitüsü
  11. Ana Bilim Dalı: İşletme Ana Bilim Dalı
  12. Bilim Dalı: Belirtilmemiş.
  13. Sayfa Sayısı: 86

Özet

ÖZET

Özet (Çeviri)

SUMMARY AN EMPRICAL STUDY ABOUT BANKS CONFIDENCE TO FINANCIAL STATEMENTS IN CREDIBILITY ANALYSES Keywords : Credit analysis, Financial Statement, Accounting, Trust, Bank Loan Banks must be consider all factors that can create risks and build up an effective risk management policy for decrease the risk level in credits bank loan. They must be determine and control the risks that can occur. Especially, the financial statements that an important data source about if companies have enough strenght or not to pay back the loan, must be subjected to a detailed analyse. But before start analyse, if exist, missing or wrong informations on statements must be fixed to bring it up an appropriate state. In this study is, measure the banks and companies confidence to their financial statements and if they do not trust in their financial statements, find out the reasons of this lack of confidence in credibility analyses. By this reason, a questionnaire applied to total 49 banks including center branch and branch. After this study, it explored out that banks do not trust in financial statements in a large scale but they have expressed that they will require financial statements anyway. This explained as“they gives some importance clues about company”. For reason of lack of confidence, misted as, missing or wrong records, unreal data, unrecorded economy, gaps in the chart of uniform accointing and insufficiency in tax control. The participants suggested for improving trust, prevent to unrecorded economy, increase tax inpections, increasing penance, decrease tax rates, apply inflation accounting, gaps in the chart of uniform accointing, employ experienced personel and rehabilitate Turkish certified accountants system. Contrary to expections, its explored that trial balance has a big importance in credibility analyse. VI

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