I)INTRODUCTION
-This area work was done by classic and private bank in Mardin city and towns banks and joining banks in april 2017
-This research is common work of Mardin city and towns Rooms/Trades
-The work was done by contribution of MAÜ students.
II)METHOD
-Totally We met 12 bank department
-Area work was done face to face
-In survey these 5 questions were asked at classýc way.
1-What do you think about relation Banks and Mardin Industrialists/traders?
2- The relationship between banks and is robust in Mardin Industrialists and traders?
3- What are the problems you have with Industrialists and traders in Mardin?
4-When granting loans, what kind of information and documents do you request?
5- In Mardin you give more credit than most sectors/activities, what will affect?
-The answers given, as well as has been subject to the assessment. Therefore, the answers for each of the Bank may not apply.
-Because the scope of the survey is limited by in-depth analysis instead of the general assessments done due diligence have been taken in.
III)INSIDE SURVEY
The answers that given questions were mixed and listed:
-Banksare important for merchants and industrialists
.- Good days and bad we are with our companies.
-The nature of the relationship varies according to market conditions.
-Among the banks that are present in the competitive environment of firms in our favour.
-Companies who want to regenerate and grow in close relationship with banks.
-We have good credit and deposit relationships with the merchants and industrialists.
-In the current conjuncture, banks and businesses (merchants, Industrialists) is located on the same roof is a solid foundation of relationships .
-Market conditions were positive, solid relationships, otherwise it is weak.
-The loan installments regularly credited unless Our relationship is strong.
-Relationships are very tight and good.
-Of non-performing loans in the repayment problems occur.
-Especially in the chase consists of problems falling in loans.
- facing problems with regard to provision of necessary documents.
- Some external factors (economic crisis, security issues, etc.) therefore, delays in payments can occur.
-There is a prejudice against public banks and, in this context, for instance, thought them to be cumbersome.
-Hence, other banks may be more preferred. Debt to demand credit limits.
-The company's tax registration certificate, signature and registration information
-The credentials of the partners of the firm
-The company's financial data (balance sheet, trial balance, income tax,etc.)
-Asset of the firm and its partners,registered goods information Of the company securities-real estate information
-The company's investment plan and capacity information About the company obtained from the market intelligence information
- Dumps social security and Medicare The connected Room/stock market information Ongoing employment contracts
-The experiences of the partners of the firm,
-The cost of procurement of raw material (investment property/collateral for the financing),
-Information about the market made the sale of the product to be
-The terms of the purchase and sale of the goods requested funding,
- Certificate of farming, Land information (for agricultural loans), List earrings, animal (livestock loans).
-Food (flour, semolina, bulgur, noodles, pasta, pulses, fodder, etc.) production facilities,
-Transportation,
-Construction (build-sell and commitment),
-Marketing activities
-Exporting firms (private a matter of preference)
-Import financing,
-Irrigation facilities and related materials,
-Agricultural industry (producers),
-The agricultural sector (farmers),
-Livestock activities.
4-GENERAL EVAULATION
-In the province of Mardin and its districts which carry out banks, is expected to have a close relationship with the business world in general.
-Banks, agriculture, industry and service sectors to provide funding to almost all businesses in the activity.
-Information requested documents may vary from bank to bank. In addition, according to the nature of special credit information-document-on-demand can be made.
-Under normal conditions, the loans requested of bureaucratic information-documents the simpler the better. But overall they increase depending on the country and the world economic conjuncture-it may decrease.
-However, the business world and the information-sometimes negligent in obtaining the document poses a significant problem for banks that are able to act. Especially in the missing information-documents, problems with the approval of the general directorates of the bank that issued the loan principal (credit request is a denial of any suspension, etc.) can lead.
-Of course, in Mardin, in general business, faithful to loans. However, some intrinsic-extrinsic factors, therefore, the problems are not being experienced.
-Mardin banks; in the general sense, merchants, Industrialists and farmers to develop good relationships with and cooperation shall be maintained in the appropriate manner.
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