{"id":13384,"date":"2012-03-27T08:48:59","date_gmt":"2012-03-27T06:48:59","guid":{"rendered":"http:\/\/www.bilgeyatirimci.com\/?p=13384"},"modified":"2012-03-27T08:49:17","modified_gmt":"2012-03-27T06:49:17","slug":"hanehalki-tasarrufu","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/hanehalki-tasarrufu\/","title":{"rendered":"Hanehalk\u0131 Tasarrufu"},"content":{"rendered":"<p>D\u00fcnya Bankas\u0131 ve Kalk\u0131nma Bakanl\u0131\u011f\u0131 taraf\u0131ndan haz\u0131rlanan \u201cY\u00fcksek B\u00fcy\u00fcmenin S\u00fcrd\u00fcrebilirli\u011fi &#8211; Yurt i\u00e7i Tasarruflar\u0131n Rol\u00fc\u201d raporu bahane oldu. D\u0131\u015f a\u00e7\u0131\u011f\u0131n gerisinde yatan t\u00fcketim art\u0131\u015f\u0131n\u0131 (tasarruf yetersizli\u011fini) pertavs\u0131z alt\u0131na ald\u0131k.<\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-315210787\"><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>Tasarruflar kamu ve \u00f6zel diye ikiye ayr\u0131l\u0131yor. DPT verilerine g\u00f6re son on y\u0131lda kamu tasarrufu art\u0131yor (7 puan). Ama \u00f6zel tasarruf oran\u0131 \u00e7\u00f6k\u00fcyor (12 puan). Neticede tasarruf oran\u0131 y\u00fczde 13\u2019e iniyor; d\u0131\u015f a\u00e7\u0131k oran\u0131 y\u00fczde 9\u2019u a\u015f\u0131yor.<\/p>\n<p>\u00d6zel tasarruf i\u00e7in hanehalk\u0131 ve kurumsal ayr\u0131m\u0131 yap\u0131l\u0131yor. Ancak \u00f6zel tasarruf deyince akla sadece ilki geliyor. Vatanda\u015f\u0131n daha tutumlu olmas\u0131 i\u00e7in yap\u0131labilecekler tart\u0131\u015f\u0131l\u0131yor. \u0130kincisi ihmal ediliyor. Halbuki en az ilki kadar \u00f6nemli.<\/p>\n<p>Maalesef bu noktada kar\u015f\u0131m\u0131za veri yetersizli\u011fi \u00e7\u0131k\u0131yor. \u00d6zel tasarrufun da\u011f\u0131l\u0131m\u0131 hakk\u0131nda elde resmi veri yok. Analizi \u00e7ok zorluyor. Bug\u00fcn hanehalk\u0131 tasarrufunu bankac\u0131l\u0131k verilerinde izliyorum.<\/p>\n<p><strong>Banka sistemi ve tasarruf<\/strong><\/p>\n<p>Tekil vatanda\u015f\u0131n harcamad\u0131\u011f\u0131 geliri i\u00e7in alternatifi \u00e7oktur. Menkul varl\u0131klar: Banka mevduat\u0131, tahvil, yat\u0131r\u0131m fonlar\u0131, borsa, bireysel emeklilik, hayat sigortas\u0131. Fizik varl\u0131klar: Gayrimenkul, alt\u0131n, m\u00fccevher, sanat eseri. Di\u011fer: Yak\u0131n \u00e7evreye bor\u00e7, \u015firket ortakl\u0131\u011f\u0131.<\/p>\n<p>Ekonomi geli\u015ftik\u00e7e menkul varl\u0131klar artar. Ancak ortalama aile i\u00e7in konut daima servetin \u00f6nemli bir b\u00f6l\u00fcm\u00fcn\u00fc olu\u015fturur. Di\u011ferlerinin pay\u0131 d\u00fc\u015fer.<\/p>\n<p>Banka mevduat\u0131 ikiye ayr\u0131l\u0131r: Tasarruf ve ticari. Bizi ilki ilgilendiriyor. Y\u0131l sonu itibariyle tasarruf mevduat\u0131 toplam\u0131n\u0131 al\u0131yoruz. Bir \u00f6nceki y\u0131lla fark\u0131n\u0131 hesapl\u0131yoruz. Banka kesimine o y\u0131l giren hanehalk\u0131 tasarrufudur.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2019619978\"><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>Ancak, bankac\u0131l\u0131k sistemi hanehalk\u0131na gelirinden \u00e7ok harcama f\u0131rsat\u0131 da veriyor. Ad\u0131 t\u00fcketici kredisidir. Konut, ara\u00e7, kredi kart\u0131, ihtiya\u00e7 kredisi vs. olabilir. Y\u0131l sonu de\u011ferleri aras\u0131ndaki fark t\u00fcketiciye sa\u011flanan net kredidir.<\/p>\n<p>Y\u00f6ntemle ilgili not: D\u00f6vizle kredi ve mevduat y\u0131l sonu kuru ile TL\u2019ye \u00e7evriliyor. Yani kur k\u00f6kenli sermaye kazanc\u0131\/kayb\u0131 hesaba d\u00e2hil ediliyor. Di\u011fer y\u00f6ntemi kontrol ettim; e\u011filim de\u011fi\u015fmiyor.<\/p>\n<p><strong>Yaz\u0131n\u0131n devam\u0131 i\u00e7in <a href=\"http:\/\/haber.gazetevatan.com\/Haber\/439265\/1\/Gundem\" target=\"_blank\" data-wpel-link=\"external\" rel=\"nofollow external noopener\">TIKLAYINIZ.<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>D\u00fcnya Bankas\u0131 ve Kalk\u0131nma Bakanl\u0131\u011f\u0131 taraf\u0131ndan haz\u0131rlanan \u201cY\u00fcksek B\u00fcy\u00fcmenin S\u00fcrd\u00fcrebilirli\u011fi &#8211; Yurt i\u00e7i Tasarruflar\u0131n Rol\u00fc\u201d raporu bahane oldu. D\u0131\u015f a\u00e7\u0131\u011f\u0131n gerisinde yatan t\u00fcketim art\u0131\u015f\u0131n\u0131 (tasarruf&hellip;<\/p>\n","protected":false},"author":13,"featured_media":919,"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-13384","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\/13384","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\/13"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/comments?post=13384"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/13384\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media\/919"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=13384"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=13384"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=13384"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}