{"id":73712,"date":"2018-09-17T23:45:43","date_gmt":"2018-09-17T21:45:43","guid":{"rendered":"https:\/\/gazetehaberler.com\/?p=73712"},"modified":"2021-10-03T06:28:35","modified_gmt":"2021-10-03T04:28:35","slug":"abde-9-yilda-2-bin-275-kredi-kurumu-kapandi","status":"publish","type":"post","link":"https:\/\/www.nordicturk.com\/arsiv\/20122025\/avrupa\/abde-9-yilda-2-bin-275-kredi-kurumu-kapandi\/73712\/","title":{"rendered":"AB’de 9 y\u0131lda 2 bin 275 kredi kurumu kapand\u0131"},"content":{"rendered":"

Avrupa Birli\u011fi (AB) \u00fcyesi 28 \u00fclkenin bankac\u0131l\u0131k sekt\u00f6r\u00fcnde 9 y\u0131lda 2 bin 275 kurum kapand\u0131.<\/p>\n

AA muhabirinin Avrupa Bankac\u0131l\u0131k Federasyonu (EBF) Avrupa’da Bankac\u0131l\u0131k 2018 raporundan derledi\u011fi verilere g\u00f6re, AB \u00fcyesi 28 \u00fclkedeki kredi veren kurum say\u0131s\u0131 9 y\u0131lda \u00f6nemli oranda d\u00fc\u015f\u00fc\u015f g\u00f6sterdi.<\/p>\n

AB’de faaliyet g\u00f6steren kredi kurumlar\u0131 say\u0131s\u0131 2008 y\u0131l\u0131nda 8 bin 525 iken bu rakam 2017 y\u0131l\u0131nda 6 bin 250’ye geriledi. Buna g\u00f6re, 9 y\u0131lda AB’de bankac\u0131l\u0131k alan\u0131nda faaliyet g\u00f6steren 2 bin 275 kredi kurumu \u00e7al\u0131\u015fmalar\u0131na son verdi.<\/p>\n

Ge\u00e7en y\u0131l en fazla kredi kurumu Almanya’da kapand\u0131. Almanya’da 70, \u0130talya’da 65, Macaristan’da 49, Avusturya’da 43, Fransa ve \u0130rlanda’da 23 kredi kurumu kapand\u0131.<\/p>\n

\u015eube say\u0131lar\u0131<\/strong><\/h6>\n

AB bankac\u0131l\u0131\u011f\u0131nda benzer bir daralma da \u015fube say\u0131lar\u0131nda ya\u015fand\u0131. AB \u00fclkelerinde 2008 y\u0131l\u0131nda 237 bin 702 olan toplam banka \u015fubesi say\u0131s\u0131 2017 y\u0131l\u0131 sonunda 183 bin 418’e geriledi. B\u00f6ylece 2008’den 2017’ye kadarki d\u00f6nemde AB’deki toplam banka \u015fubesi say\u0131s\u0131 54 bin 284 azalm\u0131\u015f oldu.<\/p>\n

AB’deki toplam banka \u015fubesi say\u0131s\u0131 sadece 2017 y\u0131l\u0131nda bir \u00f6nceki y\u0131la g\u00f6re 5 bin 852 adet geriledi.<\/p>\n

Bankac\u0131 say\u0131s\u0131 azal\u0131yor<\/strong><\/h6>\n

AB \u00fcyesi 28 \u00fclkede 2008 y\u0131l\u0131nda 3,26 milyon olan personel say\u0131s\u0131 da her y\u0131l azalarak 2017 sonu itibariyle toplam 2,74 milyona geriledi.<\/p>\n

AB \u00fcyesi \u00fclkeler i\u00e7erisinde 2017 y\u0131l\u0131nda en fazla bankac\u0131 Almanya’da \u00e7al\u0131\u015f\u0131yor. Almanya’da 2017’de toplam 619 bin 59 banka \u00e7al\u0131\u015fan\u0131 bulunurken bu rakam Fransa’da 404 bin 1, \u0130ngiltere’de 353 bin 299, \u0130talya’da 281 bin 865 oldu.<\/p>\n

S\u00f6z konusu \u00e7al\u0131\u015fan say\u0131lar\u0131yla AB toplam istihdam\u0131nda bankac\u0131l\u0131k sekt\u00f6r\u00fc yakla\u015f\u0131k y\u00fczde 1’e yak\u0131n pay sahibi oldu.<\/p>\n

Mevduatlar ve krediler artt\u0131<\/strong><\/h6>\n

\u0130\u015fletmelerin ve hane halklar\u0131n\u0131n AB bankalar\u0131nda toplam mevduatlar\u0131n miktar\u0131 ise 2017 y\u0131l\u0131nda bir \u00f6nceki y\u0131la g\u00f6re y\u00fczde 2,5 artarak 16,3 trilyon avro seviyesine ula\u015ft\u0131. Bunun 12,1 trilyon avrosu Avro B\u00f6lgesi’nde yer alan 19 \u00fclkeden kaynakland\u0131.<\/p>\n

AB’de hane halklar\u0131na sa\u011flanan kredilerin toplam\u0131 da 2017 y\u0131l\u0131nda bir \u00f6nceki y\u0131la g\u00f6re y\u00fczde 2,5 artarak 7,8 trilyon avroyu buldu.<\/p>\n

S\u00f6z konusu d\u00f6nemde, finansal hizmetlere y\u00f6nelik en \u00f6nemli riski siber tehditler olu\u015fturdu. Siber sald\u0131r\u0131lara kar\u015f\u0131 g\u00fcvenli\u011fin artt\u0131r\u0131lmas\u0131 k\u00fcresel bankalar\u0131n en \u00f6ncelik verdi\u011fi konu olarak \u00f6ne \u00e7\u0131kt\u0131.<\/p>\n

“Teknoloji kullan\u0131m\u0131 nedeniyle d\u00fc\u015ft\u00fc”<\/strong><\/h6>\n

Rapor hakk\u0131nda de\u011ferlendirmelerde bulunan Avrupa Bankac\u0131l\u0131k Federasyonu Politika Dan\u0131\u015fman\u0131 Francisco Saravia, “Avrupa’da banka \u015fube say\u0131lar\u0131 daha fazla teknoloji kullan\u0131m\u0131 nedeniyle d\u00fc\u015ft\u00fc.” dedi.<\/p>\n

Banka \u015fubesi say\u0131lar\u0131ndaki azal\u0131\u015f\u0131n bireysel teknoloji kullan\u0131m\u0131n\u0131n artmas\u0131yla ilgili oldu\u011funu an\u0131msatan Saravia, “AB’de internet bankac\u0131l\u0131\u011f\u0131 kullan\u0131m oran\u0131 2008’de y\u00fczde 29 iken 2017’de y\u00fczde 51’e ula\u015ft\u0131.” ifadesini kulland\u0131.<\/p>\n

Banka \u00e7al\u0131\u015fan say\u0131s\u0131ndaki d\u00fc\u015f\u00fc\u015f\u00fcn \u015fube say\u0131s\u0131ndaki daralmayla ilgili oldu\u011funa dikkati \u00e7eken Saravia, internet bankac\u0131l\u0131\u011f\u0131 kullan\u0131m\u0131n\u0131n artmas\u0131yla bu trendin devam etmesini bekledi\u011fini, t\u00fcketicilerin art\u0131k \u015fubeye gitmek yerine ak\u0131ll\u0131 cihazlar\u0131n\u0131 kulland\u0131klar\u0131n\u0131 anlatt\u0131.<\/p>\n

Saravia, AB’deki toplam kredi kurumlar\u0131 say\u0131s\u0131n\u0131n azalmas\u0131n\u0131n ise banka birle\u015fmelerinden kaynakland\u0131\u011f\u0131n\u0131 ifade etti.<\/p>\n","protected":false},"excerpt":{"rendered":"

AB’de faaliyet g\u00f6steren kredi kurumlar\u0131 say\u0131s\u0131 2008 y\u0131l\u0131nda 8 bin 525 iken bu rakam 2017 y\u0131l\u0131nda 6 bin 250’ye geriledi.<\/p>\n","protected":false},"author":2,"featured_media":851,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":[],"jnews_primary_category":[],"footnotes":""},"categories":[17],"tags":[],"coauthors":[],"class_list":["post-73712","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-avrupa"],"_links":{"self":[{"href":"https:\/\/www.nordicturk.com\/arsiv\/20122025\/wp-json\/wp\/v2\/posts\/73712","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.nordicturk.com\/arsiv\/20122025\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.nordicturk.com\/arsiv\/20122025\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.nordicturk.com\/arsiv\/20122025\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.nordicturk.com\/arsiv\/20122025\/wp-json\/wp\/v2\/comments?post=73712"}],"version-history":[{"count":0,"href":"https:\/\/www.nordicturk.com\/arsiv\/20122025\/wp-json\/wp\/v2\/posts\/73712\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.nordicturk.com\/arsiv\/20122025\/wp-json\/wp\/v2\/media\/851"}],"wp:attachment":[{"href":"https:\/\/www.nordicturk.com\/arsiv\/20122025\/wp-json\/wp\/v2\/media?parent=73712"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.nordicturk.com\/arsiv\/20122025\/wp-json\/wp\/v2\/categories?post=73712"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.nordicturk.com\/arsiv\/20122025\/wp-json\/wp\/v2\/tags?post=73712"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.nordicturk.com\/arsiv\/20122025\/wp-json\/wp\/v2\/coauthors?post=73712"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}