Covid-19 Pandemi Sürecinin Banka Kredileri ve Bankaların Protestolu Senetleri Üzerine Etkileri

ABSTRACT

The pandemic, which emerged in the last of 2019 affected all countries social, cultural and economic aspects. The measures taken to stop the spread of the pandemic have also begun to force the country's economies. Because, at the beginning of these measures, full closure and social distance rules caused the demand and supply balance in the economies to deteriorate and increased the liquidity risk of the sectors. This situation experienced by the sectors especially affected the banks and the credit processes. In this context, it is aimed to examine the effect of Covid-19 on bank loans and protest bills with the Holt-Winters method, which is a estimation method. The loans were evaluated separately on a sector basis, thus it was aimed to evaluate the impact of the pandemic on the sector. More than one variable was used in the study and the years 2008-2021 were included in the study. The estimated data set covers the months of 2020 January-2021 February. In this context, consumer loans of banks, protest bills and commercial loans used by sectors were examined during the pandemic process.In this context, it has been observed that some sector loans have increased considerably but the loan demands of sectors such as education and health have decreased. It has been determined that consumer loans and protested bills of banks have increased significantly compared to