{"id":12332,"date":"2012-03-03T09:26:31","date_gmt":"2012-03-03T07:26:31","guid":{"rendered":"http:\/\/www.bilgeyatirimci.com\/?p=12332"},"modified":"2012-03-03T09:26:40","modified_gmt":"2012-03-03T07:26:40","slug":"yagma-hasanin-boregi","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/yagma-hasanin-boregi\/","title":{"rendered":"Ya\u011fma Hasan\u2019\u0131n B\u00f6re\u011fi"},"content":{"rendered":"<p><strong>D\u00dcNYANIN b\u00fct\u00fcn \u201ca\u00e7(\u0131k)g\u00f6zl\u00fclerin\u201d g\u00f6z\u00fc, T\u00fcrkiye\u2019nin bankac\u0131l\u0131k kesiminde.<\/strong><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-4205226690\"><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>D\u00fc\u015f\u00fcn\u00fcn; ancak devlet deste\u011fi ile ayakta duran zarardaki b\u00fcy\u00fck \u0130talyan, Bel\u00e7ika ve Yunan bankalar\u0131n\u0131n k\u00e2r eden birimleri T\u00fcrkiye\u2019de. Tuhaf bir \u00e7eli\u015fki: anas\u0131 bat\u0131yor, yavrusu \u00e7\u0131k\u0131yor. 6 milyar dolar param\u0131z var diye b\u00f6b\u00fcrlenen L\u00fcbnanl\u0131 bankac\u0131, T\u00fcrkiye\u2019de bankac\u0131l\u0131k lisans\u0131 ald\u0131m diye g\u00f6bek at\u0131yor. \u00c7\u00fcnk\u00fc y\u0131lba\u015f\u0131na kadar h\u0131zl\u0131 bir de\u011fer kayb\u0131 ya\u015fayan TL\u2019nin Londra\u2019dan gelen milyarlarca dolarl\u0131k \u201cs\u0131cak parayla\u201d tekrar de\u011fer kazan\u0131yor. Bu sayd\u0131klar\u0131m T\u00fcrk ekonomisinin bir y\u00fcz\u00fcn\u00fc g\u00f6steriyor. Di\u011fer y\u00fcz\u00fcnde T\u00fcrkiye\u2019nin, milli gelirinin y\u00fczde 10\u2019u kadar cari a\u00e7\u0131k verip bu k\u0131stasta a\u00e7\u0131k ara d\u00fcnya \u015fampiyonu olmas\u0131 var. Bu kadar b\u00fcy\u00fck bir cari a\u00e7\u0131k, tipik bir \u201cmali istikrars\u0131zl\u0131k\u201d sebebidir. Ancak d\u0131\u015far\u0131dan para geldik\u00e7e istikrar devam ediyor. Galiba yurt d\u0131\u015f\u0131ndan bak\u0131nca T\u00fcrkiye\u2019de \u201cHasan\u2019\u0131n b\u00f6re\u011fi\u201d gibi bir ya\u011fmalanacak bir \u201cfaiz pastas\u0131\u201d var. Ne var ki; yenen pastan\u0131n mide fesad\u0131 yaratmas\u0131 da uzak bir ihtimal de\u011fil. Nitekim d\u00fcnk\u00fc b\u00fcltenlerde bir haber yer al\u0131yor. Uluslararas\u0131 kredi derecelendirme kurulu\u015fu Standard &amp; Poors, T\u00fcrk ekonomisini, Euro B\u00f6lgesi kaynakl\u0131 \u015foklara kar\u015f\u0131 en k\u0131r\u0131lgan \u00fclke ilan etmi\u015f.<br \/>\n<strong>\u00d6ZEL BANKA YOKTUR<br \/>\n<\/strong>Her ne kadar bankalar, sermaye yap\u0131lar\u0131na g\u00f6re, kamu ve \u00f6zel diye tasnif edilseler de asl\u0131nda t\u00fcm bankalar \u201ckamusald\u0131r\u201d. \u00c7\u00fcnk\u00fc bankalar \u201cz\u0131mni devlet garantisi alt\u0131nda\u201d mevduat toplama imtiyaz\u0131na sahiptir. Mevduat (vedia\u2019dan gelir) \u201ctedbirli tacir gibi davranmas\u0131\u201d beklenmeyen s\u0131radan ki\u015filerin, kar\u015f\u0131n\u0131ndaki kurumun devletin denetiminde ve devletin koydu\u011fu ilke ve kurallara g\u00f6re i\u015f yapt\u0131\u011f\u0131na g\u00fcvenerek, paras\u0131n\u0131 ona emanet etmesi demektir. Halktan mevduat toplayan hi\u00e7bir banka paray\u0131 nas\u0131l de\u011ferlendirece\u011fime kimse kar\u0131\u015famaz diyemez. Demek istiyorsa, bankac\u0131l\u0131\u011f\u0131 b\u0131rak\u0131p bankerlik yapmal\u0131d\u0131r.<br \/>\n<strong><\/strong><\/p>\n<p><strong>BANKALARIN K\u00c2RINI MAKRO EKONOM\u0130 BEL\u0130RLER<\/strong><br \/>\nBankalar\u0131n k\u00e2r\u0131n\u0131, bankalar\u0131 y\u00f6neten y\u00fcksek vas\u0131fl\u0131 profesyoneller de\u011fil, devletlerin izledi\u011fi makro ekonomi politikas\u0131 belirler. Makro ekonomik politika, kendini Merkez Bankas\u0131\u2019n\u0131n uygulad\u0131\u011f\u0131 para ve Maliye Bakanl\u0131\u011f\u0131n\u0131n uygulad\u0131\u011f\u0131 b\u00fct\u00e7e politikas\u0131nda belli eder. Bu c\u00fcmleler, banka y\u00f6neticilerinin \u201ck\u00e2r da, zarar da devletten\u201d deyip s\u0131rt \u00fcst\u00fc yatt\u0131klar\u0131 anlam\u0131na gelmez. Banka y\u00f6neticilerin marifeti \u00f6ncelikle operasyonel verimlili\u011fi artt\u0131rmakt\u0131r. Yukar\u0131da s\u00f6ylendi\u011fi gibi bankalar\u0131n k\u00e2r\u0131n\u0131, devletin hatta yabanc\u0131 devletlerin izledi\u011fi para-fiskal politikalard\u0131r. Dirayetli bankac\u0131lar bilan\u00e7olar\u0131n\u0131, bunlar\u0131 izleyerek ve ona g\u00f6re pozisyon alarak y\u00f6netilir. Merkez Bankas\u0131 isterse Hazine\u2019nin y\u00fczde 10 faizle \u00e7\u0131kard\u0131\u011f\u0131 tahvili teminat kabul edip, y\u00fczde 7.5\u2019la bankalara para verip, kasalar\u0131na y\u00fczde 2.5 gelir aktar\u0131r. Merkez Bankas\u0131 para miktar\u0131n\u0131 \u00f6yle bir s\u0131kar, faizleri \u00f6yle bir att\u0131r\u0131r ki, bankalardan kredi alm\u0131\u015f reel sekt\u00f6r firmalar\u0131 \u00e7o\u011fu \u015fapa oturur.<br \/>\n<strong><\/strong><\/p>\n<p><strong>BANKALARIN YILLIK K\u00c2RI \u00d6L\u00c7\u00dcLEMEZ<\/strong><br \/>\n\u0130stenildi\u011fi kadar muhasebe standard\u0131 yaz\u0131ls\u0131n, istenildi\u011fi kadar kar\u015f\u0131l\u0131k ayr\u0131ls\u0131n, bankalar\u0131n y\u0131ll\u0131k k\u00e2r\u0131n\u0131 do\u011fru \u00f6l\u00e7mek m\u00fcmk\u00fcn de\u011fildir. Bu sebeple t\u00fcm d\u00fcnyada banka y\u00f6neticilerinin primleri ve bankalar\u0131n da\u011f\u0131tacaklar\u0131 temett\u00fc miktarlar\u0131 kamu denetimine tabi olmal\u0131d\u0131r g\u00f6r\u00fc\u015f\u00fc a\u011f\u0131rl\u0131k kazanmaktad\u0131r. Yoksa banka kurtarmalar\u0131n\u0131 halka anlatmak m\u00fcmk\u00fcn olmaz.<br \/>\nSon S\u00f6z: Kurtar\u0131c\u0131 el, \u0131s\u0131r\u0131lmaz.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>D\u00dcNYANIN b\u00fct\u00fcn \u201ca\u00e7(\u0131k)g\u00f6zl\u00fclerin\u201d g\u00f6z\u00fc, T\u00fcrkiye\u2019nin bankac\u0131l\u0131k kesiminde. D\u00fc\u015f\u00fcn\u00fcn; ancak devlet deste\u011fi ile ayakta duran zarardaki b\u00fcy\u00fck \u0130talyan, Bel\u00e7ika ve Yunan bankalar\u0131n\u0131n k\u00e2r eden birimleri T\u00fcrkiye\u2019de.&hellip;<\/p>\n","protected":false},"author":14,"featured_media":936,"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-12332","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\/12332","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\/14"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/comments?post=12332"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/12332\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media\/936"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=12332"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=12332"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=12332"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}