SİSTEMİK RİSK, SİSTEMİK AÇIDAN ÖNEMLİ FİNANSAL KURULUŞLAR VE KÜRESEL FİNANSAL KRİZ

Year 2015, Volume: 7 Issue: 13, 293 - 319, 13.11.2015

Mehmet Mete Karadağ

https://doi.org/10.14784/jfrs.86533

Abstract

2007’de ortaya çıkan ve hızla yayılan küresel finansal kriz, sistemik riskin finansal piyasalarda nasıl
derin negatif etkilere yol açabileceğini ortaya koymuştur. Bu krizle birlikte, sistemik açıdan önemli finansal
kuruluşlardan kaynaklanan sorunlar ve bunların ekonomilerde yol açabileceği zararlar daha belirgin
bir hale gelmiştir. Finansal krizin ardından sistemik açıdan önemli finansal kuruluşların iflas olasılığını
azaltmak ve başarısızlıklarının ekonomiler üzerindeki olumsuz etkilerini minimum düzeye çekebilmek için
bu kuruluşlarla ilgili daha etkin bir gözetim ve denetim ihtiyacı hem ulusal hem de uluslararası finansal
sistemin istikrarı için zorunlu bir hal almıştır. Batmayacak kadar büyük olarak algılanan bu finansal
kuruluşlarla ilgili ahlaki risk ve sistemik risk problemlerini azaltmak ve piyasa disiplinini güçlendirmek
amacı ile çeşitli ülkelerde düzenleyici ve denetleyici otoriteler birtakım düzenlemeler yapma ve kendi
aralarında işbirliği oluşturma yoluna gitmişlerdir.
Bu çalışmada amaçlanan sistemik risk kavramı ve sistemik önemi oluşturan unsurları ele alarak sistemik
açıdan önemli finansal kuruluşları değerlendirmeye yönelik yapılan çalışmaları incelemek; küresel finansal
krizle ilgili olarak çeşitli ülkelerdeki “batmayacak kadar büyük” olarak algılanan finansal kuruluşların ortaya
çıkardığı sistemik riske ve kurtarmalara değinerek sistemik riskin önlenmesine yönelik çalışmaların genel
bir değerlendirmesini yapmaktır.

Keywords

Sistemik Risk, Sistemik Açıdan Önemli Finansal Kuruluşlar, Sistemik Açıdan Önemli Bankalar, Batmayacak Kadar Büyük - Batmayacak Kadar Önemli, Küresel Finansal Kriz

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