İnovasyonun Finansmanında Yeni Kaldıraç Olarak Özel Krediler: Vakalar Işığında Fırsat ve Risk Analizi
DOI:
https://doi.org/10.63556/tisej.2026.1912Anahtar Kelimeler:
Özel Kredi Mekanizmaları- İnovasyon Finansmanı- Piyasa Riskleri- Dijital Varlık Finansmanı- Vaka AnaliziÖz
Küresel finans sistemi, Basel III ve IV regülasyonlarının getirdiği sermaye kısıtları ve bankaların daralan risk iştahı nedeniyle derin bir dönüşüm geçirmektedir. Özellikle teknoloji ve yapay zekâ gibi maddi varlığı kısıtlı ancak büyüme potansiyeli yüksek sektörlerde, geleneksel bankacılık kredilerinin yerini “özel kredi” (private credit) piyasaları almaktadır. Bu çalışma, meta veri merkezlerinden bulut güvenliğine kadar geniş bir yelpazede altı vakayı açıklayıcı çoklu vaka analizi deseniyle ele alarak, özel kredilerin teknoloji ekosistemindeki rolüne ışık tutmaktadır. Çalışmanın merkezinde, bu finansal enstrümanların geleneksel teminat kavramını nasıl dijitalleştirerek inovasyonun hizmetine sunduğu sorusu yer almaktadır. Ayrıca, çalışma kapsamında yüksek faiz ortamının getirdiği borç maliyetleri, özel kredi piyasalarındaki şeffaflık eksikliği ve ikincil piyasaların sığlığı gibi güncel sektörel risklere değinilerek, finansal piyasalara olası olumsuz etkileri tartışmaya açılmaktadır.
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Telif Hakkı (c) 2026 Üçüncü Sektör Sosyal Ekonomi Dergisi

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