{"id":11019,"date":"2012-01-30T14:34:06","date_gmt":"2012-01-30T12:34:06","guid":{"rendered":"http:\/\/www.bilgeyatirimci.com\/?p=11019"},"modified":"2012-01-30T14:34:17","modified_gmt":"2012-01-30T12:34:17","slug":"uzun-donemli-tasarruf-ihtiyaci","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/uzun-donemli-tasarruf-ihtiyaci\/","title":{"rendered":"Uzun D\u00f6nemli Tasarruf \u0130htiyac\u0131"},"content":{"rendered":"<p>Geli\u015fmi\u015f ekonomilerin bug\u00fcn i\u00e7inde bulundu\u011fu d\u00fc\u015f\u00fck b\u00fcy\u00fcme, hatta b\u00fcy\u00fcyememe sorununu a\u015fabilmeleri i\u00e7in; Oliver Wyman&#8217;\u0131n &#8220;Ger\u00e7ek Finansal Kriz: Finansal Arac\u0131l\u0131k Neden Ba\u015far\u0131s\u0131z &#8211; Finans End\u00fcstrisinin Durumu 2012&#8221; raporunda \u00e7e\u015fitli \u00f6neriler aras\u0131nda uzun d\u00f6nemli mali tasarruflar\u0131n art\u0131r\u0131lmas\u0131 da s\u0131ralan\u0131yor.<br \/>\nAsl\u0131nda bu \u00f6neri farkl\u0131 nedenlerle T\u00fcrkiye ekonomisi i\u00e7in de \u00e7ok ge\u00e7erli. Ger\u00e7ekten ihracata dayal\u0131 bir b\u00fcy\u00fcme modeli benimsemek istiyorsak, ekonomik b\u00fcy\u00fcmemizin yurtd\u0131\u015f\u0131ndan bor\u00e7lanmayla finanse edilmesini azaltmak istiyorsak, uzun d\u00f6nemli tasarruflar\u0131 art\u0131rmam\u0131z gerekiyor.<br \/>\nUzun d\u00f6nemli tasarruflar munzam kar\u015f\u0131l\u0131klar\u0131 vadeye g\u00f6re farkl\u0131la\u015ft\u0131rmakla artmaz, bu yolla tasarruflar\u0131n vadesi uzamaz. Mevduattan al\u0131nan stopaj\u0131 vadeye g\u00f6re farkl\u0131la\u015ft\u0131rmak da bu i\u015flevi g\u00f6rmez. Yap\u0131lmas\u0131 gereken zorunlu tasarruflar\u0131 art\u0131rmakt\u0131r.<\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2813351244\"><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><strong>EMEKL\u0130 OLANA KADAR TASARRUF<\/strong><br \/>\nT\u00fcrkiye&#8217;de, vergileri d\u0131\u015far\u0131da b\u0131rak\u0131rsak, \u00fc\u00e7 \u00e7e\u015fit zorunlu tasarruf mekanizmas\u0131 devrede: Sosyal g\u00fcvenlik kurumlar\u0131na kesintiler, i\u015fsizlik sigortas\u0131 ve k\u0131dem tazminat\u0131. Sa\u011fl\u0131k sigortas\u0131 hari\u00e7, sosyal g\u00fcvenlik kurumlar\u0131na yap\u0131lan kesintiler emeklili\u011fe y\u00f6nelik. \u0130\u015fsizlik sigortas\u0131 i\u015fsiz kal\u0131nd\u0131\u011f\u0131nda gelir yaratmaya y\u00f6nelik. K\u0131dem tazminat\u0131 uygulamas\u0131 bir anlamda i\u015ften at\u0131lma ikramiyesi rol\u00fc oynuyor. \u0130simleri ayn\u0131 kalsa da, bu uygulamalar bir \u00e7at\u0131 alt\u0131nda birle\u015ftirilip t\u00fcm\u00fc emeklilik d\u00f6neminde gelir elde etme amac\u0131na g\u00f6re yap\u0131land\u0131r\u0131lmal\u0131d\u0131r.<br \/>\n\u00dc\u00e7 farkl\u0131 uygulamadan gelecek mali kaynaklar bug\u00fcn bireysel emeklilik uygulamas\u0131nda oldu\u011fu gibi finans kurumlar\u0131 taraf\u0131ndan \u00e7al\u0131\u015fan\u0131n risk i\u015ftah\u0131 ve di\u011fer tercihleri y\u00f6n\u00fcnde de\u011ferlendirilmelidir. Devlet bu amaca y\u00f6nelik fonlar\u0131n nas\u0131l idare edilece\u011fi y\u00f6n\u00fcnde kurallar\u0131n geli\u015ftirilmesine ve kurallara uygun hareket edildi\u011finin denetimine odaklanmal\u0131d\u0131r.<br \/>\nHangi isim alt\u0131nda olursa olsun, \u00e7al\u0131\u015fan ve i\u015fverenden yap\u0131lan kesintilerin kullan\u0131lmas\u0131 ancak ki\u015fi emekli oldu\u011funda (\u00f6rne\u011fin, 60 ya\u015f\u0131nda) m\u00fcmk\u00fcn olmal\u0131d\u0131r. Bug\u00fcnk\u00fc gibi, belli bir s\u00fcre sonra ya\u015fa bak\u0131lmaks\u0131z\u0131n toplanan paran\u0131n topluca geri al\u0131nmas\u0131na izin veren bireysel emeklilik sistemi bu anlamda ger\u00e7ek bir emeklilik sistemi de\u011fil.<br \/>\nBelli bir s\u00fcre \u00e7al\u0131\u015f\u0131p \u00e7e\u015fitli isimler alt\u0131nda belli bir paras\u0131 birikmi\u015f bir \u00e7al\u0131\u015fan i\u015fsiz kalabilir. Biriken fonlar belli bir s\u00fcre i\u00e7in belli kurallarla i\u015fsizlik d\u00f6neminde ki\u015finin gelir elde etmesinde kullan\u0131labilir. Ne kadar uzun i\u015fsiz kal\u0131n\u0131rsa, asl\u0131nda emeklilik i\u00e7in biriken para o kadar azalaca\u011f\u0131ndan, i\u015fsiz de i\u015f bulabilmek i\u00e7in \u00e7\u0131rp\u0131nacakt\u0131r. \u00c7\u00fcnk\u00fc, kendi paras\u0131n\u0131 yemektedir. Dolay\u0131s\u0131yla, bu yolla i\u015fsizlik sigortas\u0131 sisteminde s\u0131k\u00e7a g\u00f6r\u00fclen suistimaller azalacakt\u0131r.<\/p>\n<p><strong>OLMAZSA OLMAZ<\/strong><br \/>\nB\u00f6yle bir sistem uzun vadeli tasarruflar\u0131 art\u0131ran bir sistemdir. Olmazsa olmaz birka\u00e7 \u015fart\u0131 vard\u0131r:<br \/>\nBiriken paralar, belli bir s\u00fcre i\u015fsiz kalma durumu hari\u00e7, ancak belli bir ya\u015ftan sonra sahibine maa\u015f ba\u011flanmas\u0131nda kullan\u0131labilir. Erken \u00f6l\u00fcm durumunda, biriken paran\u0131n t\u00fcm\u00fc ya da biriken paran\u0131n olanak verdi\u011fi bir maa\u015f miras\u00e7\u0131lara verilebilir.<br \/>\nBu sistemin kurallar\u0131n\u0131 ve denetimini devlet yapar. Ama, biriken paralar\u0131 devlet i\u015fletemez. Bu i\u015f finansal kurumlar\u0131n i\u015fidir.<br \/>\nUzun vadeli zorunlu tasarruflar\u0131n nas\u0131l de\u011ferlendirilebilece\u011fine y\u00f6nelik devletin koyaca\u011f\u0131 kurallar elbette \u00e7ok \u00f6nemlidir. Bug\u00fcnk\u00fc ne oldu\u011fu pek bilinmeyen sistemden yeni sisteme ge\u00e7i\u015fin nas\u0131l olaca\u011f\u0131 da iyi d\u00fc\u015f\u00fcn\u00fclmelidir. Bunlar ba\u015fka yaz\u0131lar\u0131n konular\u0131.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Geli\u015fmi\u015f ekonomilerin bug\u00fcn i\u00e7inde bulundu\u011fu d\u00fc\u015f\u00fck b\u00fcy\u00fcme, hatta b\u00fcy\u00fcyememe sorununu a\u015fabilmeleri i\u00e7in; Oliver Wyman&#8217;\u0131n &#8220;Ger\u00e7ek Finansal Kriz: Finansal Arac\u0131l\u0131k Neden Ba\u015far\u0131s\u0131z &#8211; Finans End\u00fcstrisinin Durumu&hellip;<\/p>\n","protected":false},"author":675,"featured_media":9441,"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-11019","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\/11019","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\/675"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/comments?post=11019"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/11019\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media\/9441"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=11019"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=11019"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=11019"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}