{"id":10739,"date":"2012-01-23T14:34:54","date_gmt":"2012-01-23T12:34:54","guid":{"rendered":"http:\/\/www.bilgeyatirimci.com\/?p=10739"},"modified":"2012-01-23T14:35:11","modified_gmt":"2012-01-23T12:35:11","slug":"kredili-hayat","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/kredili-hayat\/","title":{"rendered":"Kredili Hayat"},"content":{"rendered":"<p>Hafta sonunda Ekonomi Gazetecileri Derne\u011fi olarak AB Bakan\u0131 ve Ba\u015fm\u00fczakereci Egemen Ba\u011f\u0131\u015f ile bir araya geldik. Avrupa\u2019dan ekonomiye kadar geni\u015f bir yelpazede geli\u015fmeleri de\u011ferlendiren Bakan Ba\u011f\u0131\u015f, konu\u015fmas\u0131n\u0131n bir b\u00f6l\u00fcm\u00fcnde T\u00fcrkiye\u2019nin \u00f6zg\u00fcvenine at\u0131fta bulundu.<\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-298782859\"><ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-7495567325667578\"\r\n     data-ad-slot=\"9580705384\"\r\n     data-ad-format=\"rectangle\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n(adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div>\n<p>Belki te\u015fbihte hata olmaz ama, konu\u015fmalar\u0131n i\u00e7eri\u011fi ifadeyi destekleyince mesele te\u015fbih olmaktan \u00e7\u0131kt\u0131. AB Bakan\u0131 Ba\u011f\u0131\u015f \u201cT\u00fcrkiye elinde limitsiz kredi kart\u0131 olan biri gibi d\u00fcnyada geziyor\u2019 dedi. D\u00fcnyada ekonominin batak, T\u00fcrkiye\u2019nin de bataklardan ald\u0131\u011f\u0131 bor\u00e7la finansman\u0131n\u0131 sa\u011flad\u0131\u011f\u0131 ger\u00e7e\u011fini d\u00fc\u015f\u00fcn\u00fcrseniz, bu amac\u0131n\u0131 a\u015fan bir tan\u0131mlama olarak kar\u015f\u0131m\u0131za \u00e7\u0131k\u0131yor.<\/p>\n<p>Ben de Bakan Ba\u011f\u0131\u015f\u2019\u0131n medyam\u0131z\u0131n tutumu kar\u015f\u0131s\u0131nda heyecan\u0131na kap\u0131ld\u0131\u011f\u0131n\u0131 d\u00fc\u015f\u00fcnerek kendisine bir soru y\u00f6nelttim. \u00dclkenin d\u0131\u015f ticaret kaynakl\u0131 cari a\u00e7\u0131\u011f\u0131n\u0131 hat\u0131rlat\u0131p, bir bakkal\u0131n zarar ederken, cebinde limitsiz kredi kart\u0131yla dola\u015fmas\u0131 benzetmesini yapt\u0131m. T\u00fcrkiye ayn\u0131 durumda m\u0131yd\u0131?<\/p>\n<p>Egemen Ba\u011f\u0131\u015f, bunu ekonomik ve siyasi anlamda \u00fclkenin ta\u015f\u0131d\u0131\u011f\u0131 \u00f6zg\u00fcvene ba\u011flad\u0131 ve ba\u015far\u0131n\u0131n d\u00fcnyaya parmak \u0131s\u0131rtacak d\u00fczeyde oldu\u011funu s\u00f6yledi. Tatmin olmayan bak\u0131\u015flar\u0131m\u0131 kendisi de hissetmi\u015f olacak ki, ard\u0131ndan ekledi: \u201cElbette hesaps\u0131z harcama yaparsan\u0131z, limitinizi size hat\u0131rlat\u0131rlar.\u201d<\/p>\n<p>Oysa sordu\u011fum soru \u00e7ok a\u00e7\u0131kt\u0131 ve muhtemelen Bakan Ba\u011f\u0131\u015f da ne kast etti\u011fimi \u00e7ok iyi anlad\u0131. T\u00fcrkiye d\u0131\u015far\u0131dan gelecek paraya, d\u00fcnyay\u0131 fazla okumadan a\u015f\u0131r\u0131 g\u00fcven duyuyordu. Bor\u00e7 parayla ekonomiyi \u00e7evirmek zaten ba\u015fl\u0131 ba\u015f\u0131na sakat bir durum\u2026 Ama bir de ge\u00e7mi\u015f performansa dayanarak, a\u015f\u0131r\u0131 g\u00fcvenle y\u00fcr\u00fcyorsan\u0131z, riskteyiz demektir.<\/p>\n<p>\u00c7\u00fcnk\u00fc T\u00fcrkiye\u2019nin ekonomisini \u00f6vmek ad\u0131na ba\u015ftan sona \u00f6rneklendirilen \u00fclkelerin hemen hemen tamam\u0131, T\u00fcrkiye\u2019nin kibre kap\u0131lmas\u0131na neden olan \u2018s\u00fcrd\u00fcr\u00fclebilir bor\u00e7lanman\u0131n\u2019 da finansman\u0131 sa\u011flayanlar. Peki ya paralar\u0131n\u0131 geri isterlerse? Diyelim ki istemediler, ya yeni kaynak aktarmaktan imtina ederlerse?<\/p>\n<p>Size ekonomiyle ilgili \u00e7ok \u015fey anlat\u0131labilir. Ba\u015far\u0131 hik\u00e2yeleri yaz\u0131labilir. Rakamlar i\u00e7inde akl\u0131n\u0131z kar\u0131\u015fabilir. Fakat \u00e7ok sade ve sa\u011flam bir form\u00fclle durumun analizini yapabilirsiniz. T\u00fcrkiye\u2019de kaymak tabaka d\u0131\u015f\u0131nda b\u00fcy\u00fck bir \u00e7o\u011funluk kredi kart\u0131yla d\u00f6n\u00fcyor ve borcunu \u00e7evirebilmek i\u00e7in kredi\/gelir dengesindeki bir tersli\u011fe tahamm\u00fcl\u00fc yok.<\/p>\n<p>Esnafs\u0131n\u0131z, memursunuz ya da i\u015fsiziniz. Ayba\u015f\u0131nda maa\u015f \u00f6demenizin aksad\u0131\u011f\u0131n\u0131 d\u00fc\u015f\u00fcn\u00fcn. Bankaya olan kredi borcunuzu, kiran\u0131z\u0131 nas\u0131l \u00f6dersiniz? \u00c7ocu\u011fun okul masraflar\u0131 da, zorunlu g\u0131da harcamalar\u0131 da i\u015fin cabas\u0131\u2026 Peki bu aksama 2-3 ay s\u00fcr\u00fcrse ne olur? \u0130\u015fte bireysel olarak sizin durumunuzla, \u00fclkenin ekonomisinin hi\u00e7bir fark\u0131 bulunmuyor.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3444223879\"><ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-7495567325667578\"\r\n     data-ad-slot=\"3167340272\"\r\n     data-ad-format=\"rectangle\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n(adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div>\n<p>\u00dclkede bireyler ya da haneler devletin ekonomisinin minyat\u00fcr bir bi\u00e7imde sa\u011flamas\u0131n\u0131 veriyor. Bireyin durumu ne ise, \u00fclke ekonomisinin de durumu ayn\u0131. Peki yar\u0131n i\u015finize devam edece\u011finizin garantisi var m\u0131? \u0130\u015fte d\u00fcnya pazar\u0131ndaki daralma da sizin i\u015fsiz kalmas\u0131na denk geliyor.<\/p>\n<p>Durum bu kadar basit ve net\u2026 Ama \u00fcz\u00fclerek g\u00f6r\u00fcyoruz ki, baz\u0131lar\u0131 \u00f6nlem almak yerine \u00e7aresizli\u011fini g\u00f6rmezden gelip, cebindeki limitsiz karta g\u00fcveniyor. Oysa ger\u00e7ek Bakan Ba\u011f\u0131\u015f\u2019\u0131n devam\u0131ndaki ifadesinde gizliydi: \u201cS\u0131n\u0131rlar\u0131 a\u015farsan\u0131z, limitinizi size hat\u0131rlat\u0131rlar.\u201d Ben de tekrar soruyorum: Bu s\u0131n\u0131rlara mesela Suriye de dahil mi?<\/p>\n<p><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Hafta sonunda Ekonomi Gazetecileri Derne\u011fi olarak AB Bakan\u0131 ve Ba\u015fm\u00fczakereci Egemen Ba\u011f\u0131\u015f ile bir araya geldik. Avrupa\u2019dan ekonomiye kadar geni\u015f bir yelpazede geli\u015fmeleri de\u011ferlendiren Bakan&hellip;<\/p>\n","protected":false},"author":5,"featured_media":899,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-10739","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tumyazilar"],"_links":{"self":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/10739","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/comments?post=10739"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/10739\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media\/899"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=10739"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=10739"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=10739"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}