In commercial banking sector trade credit marketing and credit customer relations

The banking sector has very important functions in our modernizing and globalizing country. One of the most important activities of banking which supports the rapid grow of service, industry and agriculture sectors, is the process of loans marketing. The banking sector in our country is vibrant and competitive; due to relatively limited financial resources its profitability is relatively high.In today's Turkey, new banks are joining continuously to the banking sector and the competition in the sector is rapidly increasing. Every bank, in credit marketing issue adopts a lending policy, according to the resources, economic conjuncture, and shareholders? risk of the investment.The purpose of my thesis, is working though relatively comprehensive study about commercial loans marketing, the loan pricing, relationship with loan customers, credit risk monitoring of the banks which is one of the building blocks of the financial industry.During the preparation of this study my knowledge and experience have a great role that matured in the last 10 years in banking sector as a commercial customer representative.Following to the introduction, the bank concept, history and bank grouping have been outlined, in the second chapter, the definition of the loan, the loan resources, the credit factors and the credit categories; in the third chapter, the loan borrowing adequacy, the credit usage policies and the loan application process, the credit evaluation process, the processes followed in case of objectionable loans and credit income are examined. In the fourth chapter, the loan marketing and the marketing activities are described and in the last chapter a pilot study has been executed on the loan customers.I offer my sincere thanks and my best regards to my thesis advisor Prof. Dr. Muhittin Karabulut for his dedicated efforts in the preparation of this thesis who supported me in order to reach rigorous study by his reviews and modifications.Key Words: Credit, Banking, Marketing, Credit Customer, Risk.