{"id":13071,"date":"2012-03-20T09:24:04","date_gmt":"2012-03-20T07:24:04","guid":{"rendered":"http:\/\/www.bilgeyatirimci.com\/?p=13071"},"modified":"2012-03-20T09:24:13","modified_gmt":"2012-03-20T07:24:13","slug":"kobilerin-krediye-ulasimi-ve-kredi-batiklari","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/kobilerin-krediye-ulasimi-ve-kredi-batiklari\/","title":{"rendered":"KOB\u0130&#8217;lerin Krediye Ula\u015f\u0131m\u0131 ve Kredi Bat\u0131klar\u0131"},"content":{"rendered":"<p>Arkada\u015f\u0131m\u0131z Naki Bak\u0131r, BDDK verilerine g\u00f6re yapt\u0131\u011f\u0131 ara\u015ft\u0131rmada, son y\u0131llarda \u00f6nemli art\u0131\u015f g\u00f6steren KOB\u0130 kredilerinde art\u0131\u015f\u0131n son aylarda da d\u00fc\u015f\u00fc\u015f g\u00f6stererek s\u00fcrd\u00fc\u011f\u00fcn\u00fc, b\u00fcy\u00fcyen kredi miktar\u0131 i\u00e7inde b\u00fcy\u00fcyen bat\u0131k kredi miktar\u0131n\u0131n oran olarak sabit kald\u0131\u011f\u0131n\u0131 ortaya koyuyor. 15 y\u0131l \u00f6nce toplam krediler i\u00e7ersinde y\u00fczde 4&#8217;ler seviyesinde olan KOB\u0130 kredileri bug\u00fcn b\u00fcy\u00fcyen kredi pastas\u0131 i\u00e7ersinde y\u00fczde 23.6 paya ula\u015fm\u0131\u015f durumda. Buna kar\u015f\u0131n KOB\u0130 kredilerindeki bat\u0131k oran\u0131 ise y\u00fczde 3.2&#8217;ler seviyesinde ve toplam banka kredi bat\u0131k oran\u0131n\u0131n alt\u0131nda seyrediyor.<\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-1589784646\"><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>BDDK verilerine ba\u011fl\u0131 olarak Naki Bak\u0131r&#8217;\u0131n KOB kredi art\u0131\u015f\u0131 ve bat\u0131klar konusunda yapt\u0131\u011f\u0131 ara\u015ft\u0131rmada, ge\u00e7en y\u0131l\u0131n son \u00e7eyre\u011finden ba\u015flayarak KOB\u0130 kredi art\u0131\u015f\u0131nda bir yava\u015flama ve bat\u0131k miktar\u0131nda bir art\u0131\u015f oldu\u011fu g\u00f6zleniyor. Bu trendin 2012 Ocak ay\u0131nda da g\u00f6zlendi\u011fi belirtiliyor. Ancak, veriler yava\u015fta olsa kredi kullanan KOB\u0130 say\u0131s\u0131nda, hem de kullan\u0131lan kredi miktar\u0131nda art\u0131\u015f oldu\u011funu ortaya koyuyor. Toplam i\u00e7ersindeki bat\u0131k miktar\u0131nda bir art\u0131\u015f g\u00f6stermesine kar\u015f\u0131n, toplam kredi b\u00fcy\u00fcd\u00fc\u011f\u00fc i\u00e7in toplam bat\u0131k oran\u0131 y\u00fczde 3.2 oran\u0131n\u0131 koruyor.<br \/>\nKriz d\u00f6neminde 2009 y\u0131l\u0131 Aral\u0131k ay\u0131nda toplam i\u00e7ersinde y\u00fczde 8.3 oran\u0131na y\u00fckselen bat\u0131k kredi oran\u0131, kullan\u0131lan kredi art\u0131\u015f\u0131na kar\u015f\u0131n 2011 y\u0131l\u0131 Eyl\u00fcl&#8217;\u00fcne kadar oran olarak s\u00fcrekli gerileyerek y\u00fczde 3.1&#8217;e d\u00fc\u015ft\u00fc. Ekim 2011&#8217;de y\u00fczde 3.2 oran\u0131na y\u00fckselen toplam KOB\u0130 kredileri i\u00e7ersinde bat\u0131k kredi oran\u0131, ge\u00e7en y\u0131l\u0131n son \u00fc\u00e7 ay\u0131nda ve bu y\u0131l\u0131n ilk ay\u0131nda y\u00fczde 3.2 oran\u0131nda kalmaya devam ediyor. KOB\u0130&#8217;lerin takipteki kredi oran\u0131nda bir art\u0131\u015f olmas\u0131na kar\u015f\u0131n, say\u0131sal olarak da takipteki KOB\u0130 say\u0131s\u0131nda 2011 y\u0131l\u0131nda adet olarak \u00f6nemli azalma oldu\u011funu g\u00f6r\u00fcyoruz. Ocak 2011&#8217;de 193 bin 993 KOB\u0130 kredisi takipte iken bu y\u0131l\u0131n Ocak ay\u0131nda bu say\u0131 27 bin 163 azalarak 166 bin 883&#8217;e inmi\u015f durumda. Oran olarak ise y\u00fczde 10.3 oran\u0131nda bir azalma s\u00f6z konusu. Bir ba\u015fka s\u00f6yleyi\u015fle 2001 ba\u015f\u0131nda toplam KOB\u0130&#8217;lerin y\u00fczde 15&#8217;inin kredileri takipte iken, 2012 y\u0131l\u0131 ba\u015f\u0131nda bu oran y\u00fczde 12.8&#8217;e gerilemi\u015f durumda. Ve bu takipteki firma say\u0131s\u0131ndaki gerileme a\u011f\u0131rl\u0131kl\u0131 olarak 0-10 i\u015f\u00e7ilik mikro i\u015fletmelerde g\u00f6r\u00fcl\u00fcyor. Kredi takibindeki mikro i\u015fletmelerin say\u0131lar\u0131nda 165 binden 137 bine 28 bin gerileme g\u00f6zleniyor. Bu da toplam krediler i\u00e7ersinde miktar olarak g\u00f6zlenen art\u0131\u015f\u0131n k\u00fc\u00e7\u00fck ve orta b\u00fcy\u00fckl\u00fckteki KOB\u0130&#8217;lerden kaynakland\u0131\u011f\u0131n\u0131 g\u00f6steriyor. Kredi kullanan KOB\u0130&#8217;ler aras\u0131nda bir y\u0131lda mikro i\u015fletmeler say\u0131sal olarak y\u00fczde 10 art\u0131\u015f g\u00f6sterirken, k\u00fc\u00e7\u00fck i\u015fletmelerin art\u0131\u015f oran\u0131 y\u00fczde 24.1, orta b\u00fcy\u00fckl\u00fckteki i\u015fletmeler de y\u00fczde 23.8<\/p>\n<p><strong>Yaz\u0131n\u0131n devam\u0131 i\u00e7in <a href=\"http:\/\/www.dunya.com\/kobilerin-krediye-ulasimi-ve-kredi-batiklari-147768yy.htm\" target=\"_blank\" data-wpel-link=\"external\" rel=\"nofollow external noopener\">TIKLAYINIZ.<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Arkada\u015f\u0131m\u0131z Naki Bak\u0131r, BDDK verilerine g\u00f6re yapt\u0131\u011f\u0131 ara\u015ft\u0131rmada, son y\u0131llarda \u00f6nemli art\u0131\u015f g\u00f6steren KOB\u0130 kredilerinde art\u0131\u015f\u0131n son aylarda da d\u00fc\u015f\u00fc\u015f g\u00f6stererek s\u00fcrd\u00fc\u011f\u00fcn\u00fc, b\u00fcy\u00fcyen kredi miktar\u0131&hellip;<\/p>\n","protected":false},"author":22,"featured_media":903,"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-13071","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\/13071","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\/22"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/comments?post=13071"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/13071\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media\/903"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=13071"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=13071"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=13071"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}