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- W2994969103 abstract "In this study, the effects of macro prudential policies on consumer loans in the recent period are examined on the basis of total loan developments and credit type. The findings of the study show that macro prudential policies are quite effective in slowing down the growth rate of total credit and consumer loans for the ultimate purpose. In addition, the overall provisioning and risk weighting regimes provided banks with a modest level of capital adequacy ratios and prevented banks from growing in risky assets. The results of some loan types indicate that credit utilization, determined by changes in interest rates, can also be limited through macro prudential policies. Regulations for credit are not final and invariable. Credit data should be followed up at regular intervals and adjusted to the most appropriate state by tightening or loosening when necessary. In order to balance the large price increases between regions and to prevent speculative movements in the housing market, it is necessary to determine speculative region criteria specific to Turkey and then apply it to prevent speculative price bubbles. It is important to analyze the effect of rapid growth of residential mortgage lending on housing prices and also on the income distribution in the middle and long term. Considering the recent low or negative rate hikes in credit card expenditures, the effects of the flexibility introduced in installment numbers in September 2016 should be monitored in the upcoming period. Restrictions should be somewhat eased if they are not sufficient." @default.
- W2994969103 created "2019-12-26" @default.
- W2994969103 creator A5007950829 @default.
- W2994969103 date "2018-06-01" @default.
- W2994969103 modified "2023-09-25" @default.
- W2994969103 title "The Macroeconomic Effects of Credit Regulations" @default.
- W2994969103 doi "https://doi.org/10.36880/c10.02075" @default.
- W2994969103 hasPublicationYear "2018" @default.
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