{"id":16544,"date":"2012-06-12T07:10:58","date_gmt":"2012-06-12T05:10:58","guid":{"rendered":"http:\/\/www.bilgeyatirimci.com\/?p=16544"},"modified":"2012-06-12T07:11:13","modified_gmt":"2012-06-12T05:11:13","slug":"kredi-gelismeleri","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/kredi-gelismeleri\/","title":{"rendered":"Kredi Geli\u015fmeleri"},"content":{"rendered":"<p>Son iki ayda hem t\u00fcketici kredilerinin hem de toplam lira cinsinden kredilerin d\u00f6nemsel de\u011fi\u015fim h\u0131z\u0131nda \u00f6nemli bir art\u0131\u015f var.<\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-139563395\"><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>Bu sat\u0131rlar 26 Nisan g\u00fcn\u00fc yay\u0131mlanan y\u0131l\u0131n ikinci enflasyon raporunun \u20181.3\u2019 numaral\u0131 b\u00f6l\u00fcm\u00fcnden al\u0131nma: \u201cTahminler \u00fcretilirken, \u00f6n\u00fcm\u00fczdeki d\u00f6nemde ek parasal s\u0131k\u0131la\u015ft\u0131rman\u0131n daha s\u0131k yap\u0131laca\u011f\u0131 ve buna ba\u011fl\u0131 olarak kredilerin y\u0131ll\u0131k b\u00fcy\u00fcme oran\u0131n\u0131n y\u00fczde 14 civar\u0131nda seyredece\u011fi varsay\u0131lm\u0131\u015ft\u0131r. S\u00f6z konusu varsay\u0131mlar alt\u0131nda enflasyonun, y\u00fczde 70 olas\u0131l\u0131kla, 2012 y\u0131l\u0131 sonunda y\u00fczde 5,3 ile y\u00fczde 7,7 aral\u0131\u011f\u0131nda (orta noktas\u0131 y\u00fczde 6,5), 2013 y\u0131l\u0131 sonunda ise y\u00fczde 3,4 ile y\u00fczde 7,0 aral\u0131\u011f\u0131nda (orta noktas\u0131 y\u00fczde 5,2) ger\u00e7ekle\u015fece\u011fi tahmin edilmektedir.\u201d<\/p>\n<p><strong>Kredi arz\u0131 art\u0131yor\u00a0<\/strong><br \/>\nK\u0131sacas\u0131, en az\u0131ndan nisan sonu itibariyle Merkez Bankas\u0131 (TCMB), enflasyon \u00f6ng\u00f6r\u00fclerini ve dolay\u0131s\u0131yla yeni para politikas\u0131n\u0131n \u2018fiyat istikrar\u0131na y\u00f6nelik k\u0131sm\u0131n\u0131\u2019 y\u0131ll\u0131k y\u00fczde 14 civar\u0131nda bir kredi art\u0131\u015f\u0131na dayand\u0131rm\u0131\u015f durumdayd\u0131. Oysa son aylarda kredi arz\u0131nda belirgin bir art\u0131\u015f ger\u00e7ekle\u015fmeye ba\u015flad\u0131. Grafik 1\u2019de hem lira cinsinden kredilerin hem de t\u00fcketici kredilerinin (on \u00fc\u00e7 haftal\u0131k ortalamalar\u0131n\u0131n) bir d\u00f6nem \u00f6ncesine g\u00f6re y\u0131ll\u0131kland\u0131r\u0131lm\u0131\u015f y\u00fczde de\u011fi\u015fimleri g\u00f6steriliyor. 2008\u2019in ba\u015f\u0131 ile 2012\u2019nin may\u0131s sonu aras\u0131ndaki d\u00f6nem inceleniyor. 2011\u2019in ortalar\u0131nda her iki kredi t\u00fcr\u00fcn\u00fcn art\u0131\u015f h\u0131z\u0131 zirveye ula\u015f\u0131yor. Sonra h\u0131zl\u0131 bir d\u00fc\u015f\u00fc\u015f var. Bu d\u00fc\u015f\u00fc\u015f \u015fubat-mart d\u00f6neminde duruyor. Son iki ayda ise yine art\u0131\u015f e\u011filimi ba\u015fl\u0131yor.<br \/>\nBirka\u00e7 rakam. \u00d6nce t\u00fcketici kredileri: 2011\u2019in ilk yedi ay\u0131ndaki ortalama d\u00f6nemsel art\u0131\u015f h\u0131z\u0131 y\u00fczde 40. Haziran 2011 ortalar\u0131ndan itibaren art\u0131\u015f h\u0131z\u0131nda keskin bir d\u00fc\u015f\u00fc\u015f var. Bu d\u00fc\u015f\u00fc\u015f \u015eubat 2012 ba\u015flar\u0131nda sona eriyor. \u015eubat ve mart aylar\u0131nda d\u00f6nemsel art\u0131\u015f h\u0131z\u0131 y\u00fczde 11 civar\u0131nda \u00e7ok k\u00fc\u00e7\u00fck dalgalanmalar g\u00f6sterdikten sonra tekrar y\u00fckselmeye ba\u015fl\u0131yor. Nisan ve may\u0131s ortalama art\u0131\u015f de\u011feri y\u00fczde 17,3 oluyor. D\u00f6nemi biraz daha k\u0131saltarak sadece may\u0131s ay\u0131ndaki be\u015f haftaya bak\u0131l\u0131nca, ortalama d\u00f6nemsel de\u011fi\u015fim y\u00fczde 19,3 olarak belirleniyor. Lira cinsinden kredilerde ise durum \u015f\u00f6yle: 2011\u2019in ilk yedi ay\u0131ndaki d\u00f6nemsel de\u011fi\u015fimlerin ortalamas\u0131 y\u00fczde 35,7. Bu de\u011fer 2012\u2019nin ilk \u00fc\u00e7 ay\u0131nda y\u00fczde 14,5\u2019e d\u00fc\u015f\u00fcyor. Son iki ayda ise y\u00fczde 23,6\u2019l\u0131k bir ortalama var.<\/p>\n<p>Yaz\u0131n\u0131n devam\u0131 i\u00e7in <strong><a href=\"http:\/\/www.radikal.com.tr\/Radikal.aspx?aType=RadikalYazar&amp;ArticleID=1090872&amp;Yazar=FATIH-OZATAY&amp;CategoryID=101\" target=\"_blank\" data-wpel-link=\"external\" rel=\"nofollow external noopener\">TIKLAYINIZ.<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Son iki ayda hem t\u00fcketici kredilerinin hem de toplam lira cinsinden kredilerin d\u00f6nemsel de\u011fi\u015fim h\u0131z\u0131nda \u00f6nemli bir art\u0131\u015f var. Bu sat\u0131rlar 26 Nisan g\u00fcn\u00fc yay\u0131mlanan&hellip;<\/p>\n","protected":false},"author":16,"featured_media":894,"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-16544","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\/16544","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\/16"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/comments?post=16544"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/16544\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media\/894"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=16544"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=16544"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=16544"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}