{"id":17218,"date":"2012-07-02T08:01:53","date_gmt":"2012-07-02T06:01:53","guid":{"rendered":"http:\/\/www.bilgeyatirimci.com\/?p=17218"},"modified":"2012-07-02T09:00:47","modified_gmt":"2012-07-02T07:00:47","slug":"kobilerin-bankalarla-finansal-oanismasi","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/kobilerin-bankalarla-finansal-oanismasi\/","title":{"rendered":"KOB\u0130&#8217;lerin Bankalarla Finansal Oan\u0131\u015fmas\u0131"},"content":{"rendered":"<p>T\u00fcrkiye&#8217;de yak\u0131n bir ge\u00e7mi\u015fe kadar KOB\u0130 y\u00f6neticileri &#8220;\u00d6z sermaye ile b\u00fcy\u00fcmekle&#8221; \u00f6v\u00fcn\u00fcrlerdi. Ve banka kredileri i\u00e7ersinde KOB\u0130&#8217;lerin pay\u0131 y\u00fczde 4&#8217;ler seviyesindeydi. Nisan 2012 rakamlar\u0131 KOB\u0130&#8217;lerin 164.3 milyar nakdi ve 43.2 milyar gayri nakdi kredi kulland\u0131klar\u0131n\u0131 ve toplam krediler i\u00e7inde KOB\u0130&#8217;lerin paylar\u0131n\u0131n y\u00fczde 24 seviyesinde oldu\u011funu g\u00f6steriyor. Ayr\u0131ca, \u015eekerbank Genel M\u00fcd\u00fcr\u00fc Ulu\u015fahin ihra\u00e7 ettikleri tahvilin adet olarak y\u00fczde 61&#8217;inin ve miktar olarak y\u00fczde 52&#8217;sinin \u00fc\u00e7 b\u00fcy\u00fck kent d\u0131\u015f\u0131ndan Anadolu&#8217;dan KOB\u0130&#8217;lerden geldi\u011fini a\u00e7\u0131kl\u0131yor. KOB\u0130&#8217;ler h\u0131zla bankalarla finansal tan\u0131\u015fmalar\u0131n\u0131 s\u00fcrd\u00fcr\u00fcyor\u2026<\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3376103715\"><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>\u015eekerbank Genel M\u00fcd\u00fcr\u00fc Meri\u00e7 Ulu\u015fahin&#8217;le arkada\u015f\u0131m\u0131z J\u00fclide Yi\u011fitt\u00fcrk G\u00fcrdamar&#8217;\u0131n yapt\u0131\u011f\u0131 s\u00f6yle\u015fideki bilgiler benim bir yandan &#8220;KOB\u0130&#8217;ler bankalarla finansal tan\u0131\u015fmalar\u0131n\u0131 h\u0131zland\u0131rm\u0131\u015flar&#8221; yarg\u0131s\u0131na varmama neden oldu. Bir yandan da 2000&#8217;li y\u0131llar\u0131n ba\u015f\u0131nda &#8220;KOB\u0130&#8217;ler ekonomideki a\u011f\u0131rl\u0131klar\u0131na kar\u015f\u0131n banka kredilerinden sadece y\u00fczde 4 pay al\u0131yorlar&#8221; yorumlar\u0131m\u0131z\u0131n bug\u00fcn ge\u00e7erlili\u011fini yitirmi\u015f oldu\u011funa sevindim. S\u0131k s\u0131k tekrarlad\u0131\u011f\u0131m\u0131z &#8220;Ekonominin k\u0131lcal damarlar\u0131 KOB\u0130&#8217;lere can suyu olarak kredi kulland\u0131r\u0131lmal\u0131&#8221; \u00f6nerimiz de bug\u00fcn art\u0131k hayata ge\u00e7mi\u015f g\u00f6r\u00fcn\u00fcyor.<br \/>\n2000&#8217;li y\u0131llar\u0131n ba\u015f\u0131nda Antalya&#8217;da \u00f6nemli bir demir \u00e7elik \u015firketinin bayiler toplant\u0131s\u0131na kat\u0131lm\u0131\u015f ve konu\u015fmalar yapm\u0131\u015ft\u0131k. O konu\u015fmalar s\u0131ras\u0131nda konu\u015fmac\u0131lar olarak hepimiz, &#8220;Enflasyon d\u00fc\u015f\u00fcyor. Kredi faizlerinin maliyeti azal\u0131yor. Art\u0131k i\u015fletmelerin biz \u00f6z sermayemizle b\u00fcy\u00fcr\u00fcz s\u00f6ylemi de\u011fi\u015fmeli. Al\u0131nan banka kredisinin i\u015fletmeye getirisi, \u00f6denecek kredi faizinden y\u00fcksekse firman\u0131n \u00fcretiminin artmas\u0131na, rekabetinin geli\u015fmesine ve b\u00fcy\u00fcmesine katk\u0131 sa\u011flayacakt\u0131r&#8221; gibi a\u00e7\u0131klamalar yapm\u0131\u015ft\u0131k. Toplant\u0131 sonras\u0131 konu\u015ftu\u011fumuz firma temsilcilerinin bir\u00e7o\u011fu, &#8220;Biz \u00f6z sermayemizle bug\u00fcnlere geldik. Banka kredisi al\u0131p ba\u015f\u0131 derde giren \u00e7ok firma g\u00f6rd\u00fck. Banka kredisi riske yol a\u00e7maz m\u0131?&#8221; sorusunu sormu\u015flard\u0131.<\/p>\n<p>Bizlerde dilimizin d\u00f6nd\u00fc\u011f\u00fc kadar\u0131yla enflasyonun ve kredi faizlerinin d\u00fc\u015ft\u00fc\u011f\u00fc d\u00f6nemde, kredinin i\u015fletmeye yat\u0131r\u0131m imkan\u0131 ve i\u015fletme sermayesi olarak getirisi \u00f6denecek kredi faizinden y\u00fcksek mi buna bak\u0131n, dedikten sonra &#8220;\u00d6z sermaye i\u00e7erden imkanla bir kurulu\u015fun b\u00fcy\u00fcme katsay\u0131s\u0131 2-3&#8217;t\u00fcr. Buna kar\u015f\u0131l\u0131k do\u011fru kullan\u0131lan d\u0131\u015f kaynakla b\u00fcy\u00fcme katsay\u0131s\u0131 6-8 kata \u00e7\u0131kabilir&#8221; diye yan\u0131t vermi\u015ftik\u2026<\/p>\n<p>Yaz\u0131n\u0131n devam\u0131 i\u00e7in <strong><a href=\"http:\/\/www.dunya.com\/kobilerin-bankalarla-finansal-tanismasi-148843yy.htm\" target=\"_blank\" data-wpel-link=\"external\" rel=\"nofollow external noopener\">TIKLAYINIZ.<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>T\u00fcrkiye&#8217;de yak\u0131n bir ge\u00e7mi\u015fe kadar KOB\u0130 y\u00f6neticileri &#8220;\u00d6z sermaye ile b\u00fcy\u00fcmekle&#8221; \u00f6v\u00fcn\u00fcrlerdi. Ve banka kredileri i\u00e7ersinde KOB\u0130&#8217;lerin pay\u0131 y\u00fczde 4&#8217;ler seviyesindeydi. Nisan 2012 rakamlar\u0131 KOB\u0130&#8217;lerin&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-17218","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\/17218","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=17218"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/17218\/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=17218"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=17218"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=17218"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}