2010 ve 2011 y\u0131llar\u0131ndaki y\u00fcksek ekonomik b\u00fcy\u00fcme sonucunda artan cari i\u015flemler a\u00e7\u0131\u011f\u0131n\u0131n tetikleyicisi olarak banka kredilerinin \u00e7ok h\u0131zl\u0131 artt\u0131\u011f\u0131 g\u00f6r\u00fcld\u00fc. Banka kredilerindeki art\u0131\u015fla cari i\u015flemler a\u00e7\u0131\u011f\u0131n\u0131n milli gelire oran\u0131 aras\u0131ndaki ili\u015fkiden yola \u00e7\u0131karak 2011 y\u0131l\u0131nda otoriteler banka kredilerindeki art\u0131\u015f\u0131 y\u00fczde 25 ile s\u0131n\u0131rlamak istediklerini beyan etti. Banka kredileri ger\u00e7ekten 2011 y\u0131l\u0131nda y\u00fczde 25 civar\u0131nda artt\u0131, ama cari i\u015flemler a\u00e7\u0131\u011f\u0131n\u0131n milli gelire oran\u0131 da y\u00fczde 10’a dayand\u0131.
\n\u015eimdi resim biraz daha de\u011fi\u015fik. Bu y\u0131l\u0131n ilk yar\u0131s\u0131nda ekonomik b\u00fcy\u00fcme 2010 ve 2011 y\u0131llar\u0131n\u0131n \u00e7ok alt\u0131nda ger\u00e7ekle\u015fiyor. Banka kredilerindeki art\u0131\u015f da ilk d\u00f6rt ayda y\u00fczde 4 civar\u0131nda. Bu kez de bankalar\u0131n kredilerde fazla frene bast\u0131\u011f\u0131ndan \u015fik\u00e2yet ediliyor. Cimri davrand\u0131klar\u0131ndan s\u00f6z ediliyor. KOB\u0130’leri d\u0131\u015flad\u0131klar\u0131 iddia ediliyor. Ekonominin arzulanan h\u0131zda b\u00fcy\u00fcmemesinin sorumlusu yine bankalar g\u00f6r\u00fcl\u00fcyor.
\nBu duruma bankalar da \u015fa\u015f\u0131r\u0131yor. Kredileri h\u0131zland\u0131rsalar, bir t\u00fcrl\u00fc; yava\u015flatsalar, ba\u015fka t\u00fcrl\u00fc. Serbest piyasa ekonomilerinde pek g\u00f6r\u00fclmeyen bir yakla\u015f\u0131m s\u00f6z konusu. Derler ya “yukar\u0131 t\u00fck\u00fcrseler b\u0131y\u0131k, a\u015fa\u011f\u0131 t\u00fck\u00fcrseler sakal.”<\/p>