{"id":1771,"date":"2011-06-21T09:29:10","date_gmt":"2011-06-21T06:29:10","guid":{"rendered":"http:\/\/www.bilgeyatirimci.com\/?p=1771"},"modified":"2011-06-21T09:29:19","modified_gmt":"2011-06-21T06:29:19","slug":"top-bu-kez-bbdkda-amma","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/top-bu-kez-bbdkda-amma\/","title":{"rendered":"Top Bu Kez BBDK&#8217;da amma"},"content":{"rendered":"<p>Cari a\u00e7\u0131\u011f\u0131n azalt\u0131lmas\u0131 i\u00e7in t\u00fcketici kredilerine fren konusunda \u00f6nce Merkez Bankas\u0131 zorunlu kar\u015f\u0131l\u0131klar\u0131 art\u0131rarak \u00f6nlem ald\u0131. Bu yeterli sonu\u00e7 vermeyince bu kez BDDK \u00f6nlemleri devreye sokuldu. BDDK \u00f6nlemlerinin de k\u0131sa s\u00fcrede \u00f6neli daralma yaratmayaca\u011f\u0131, zaten son karar\u0131n toplam i\u00e7ersinde y\u00fczde 25 olan t\u00fcketici kredi oran\u0131n\u0131n y\u00fczde 20&#8217;ye \u00e7ekmeyi 15 milyar liral\u0131k bir daralmay\u0131 \u00f6ng\u00f6rd\u00fc\u011f\u00fc belirtiliyor. Bu \u00f6nlemin orta ve uzun vadede bankalar\u0131n sa\u011fl\u0131\u011f\u0131 a\u00e7\u0131s\u0131ndan \u00f6nemli oldu\u011fu s\u00f6yleniyor. Cari a\u00e7\u0131k sorunu konusunda as\u0131l \u00f6nlemin ihra\u00e7 \u00fcr\u00fcnlerinde yerli girdiyi art\u0131r\u0131c\u0131 ve ithalat\u0131 azalt\u0131c\u0131 ad\u0131mlara ba\u011fl\u0131 oldu\u011fu \u00f6ne s\u00fcr\u00fcl\u00fcyor.<\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-4089845079\"><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>Bir yandan t\u00fcketici kredilerinin, bir yandan hane halk\u0131 bor\u00e7lanmas\u0131n\u0131n h\u0131zla artmas\u0131 \u00fczerine &#8220;\u00f6nlem&#8221; konusu g\u00fcndeme gelince \u00f6nce Merkez Bankas\u0131&#8217;n\u0131n zorunlu kar\u015f\u0131l\u0131klar\u0131 art\u0131rmas\u0131yla bankalar \u00fczerinde kredi daralmas\u0131n\u0131 sa\u011flamak i\u00e7in \u00f6nlem al\u0131nd\u0131. Bunun bankalar\u0131n karl\u0131l\u0131klar\u0131n\u0131 olumsuz etkileyece\u011fi belirtildi. Ancak, kredi art\u0131\u015f\u0131 ve hane halk\u0131 bor\u00e7lanmas\u0131ndaki geli\u015fme i\u00e7in yeterli bir fren elde edilemedi. Bunun \u00fczerine bu kez BBDK&#8217;n\u0131n \u00f6nlem almas\u0131 ve fren yapmas\u0131 g\u00fcndeme geldi. Top BBDK&#8217;ya ge\u00e7ince \u00f6nce konut kredilerinde y\u00fczde 25 zorunlu \u00f6deme ile y\u00fczde 75 kredi kullan\u0131m\u0131 y\u00f6n\u00fcnde bir karar getirildi. BDDK&#8217;n\u0131n ald\u0131\u011f\u0131 son karada ise hane halk\u0131 bor\u00e7lulu\u011funda h\u0131zl\u0131 art\u0131\u015fa dikkat \u00e7ekilerek, konut ve ta\u015f\u0131t kredileri d\u0131\u015f\u0131ndaki t\u00fcketici kredilerinde bankalar\u0131n ihtiyatl\u0131 davranmalar\u0131 istendi. T\u00fcketici kredilerinin toplam i\u00e7indeki pay\u0131n\u0131n y\u00fczde 25&#8217;lerden y\u00fczde 20&#8217;lere \u00e7ekilmesi \u00f6nerildi. Bu bu alandaki 75 milyar TL b\u00fcy\u00fckl\u00fc\u011f\u00fcndeki kredi tutar\u0131n\u0131n 60 milyar TL&#8217;ye \u00e7ekilmesi anlam\u0131na geliyor.<\/p>\n<p>Olaya hane halk\u0131 bor\u00e7 y\u00fck\u00fc a\u00e7\u0131s\u0131ndan bakt\u0131\u011f\u0131m\u0131zda T\u00fcrkiye&#8217;de hane halk\u0131 bor\u00e7lulu\u011funun GSMH&#8217;ya oran\u0131n\u0131n y\u00fczde 17 seviyesinde, konut hari\u00e7 y\u00fczde 11 d\u00fczeyinde.\u00a0 Bunun d\u00fc\u015f\u00fck oldu\u011funu g\u00f6r\u00fcyoruz.\u00a0 Bu oran \u0130rlanda&#8217;da y\u00fczde 130, \u0130ngiltere&#8217;de y\u00fczde 110, ABD&#8217;de y\u00fczde 100, \u0130talya&#8217;da y\u00fczde 150. Bu a\u00e7\u0131dan bak\u0131ld\u0131\u011f\u0131nda hane halk\u0131 bor\u00e7lanmas\u0131 d\u00fc\u015f\u00fck. Ancak, BDDK&#8217;n\u0131n \u00fczerinde durdu\u011fu mesele hane halk\u0131 bor\u00e7lanmas\u0131n\u0131n h\u0131zl\u0131 bir art\u0131\u015f i\u00e7ersinde olmas\u0131 ve bireysel kredilerin oran\u0131n da tasarruf mevduat\u0131na oran\u0131nda da \u00f6nemli art\u0131\u015f\u0131 g\u00f6zlemlemi\u015f olmalar\u0131. Yani korkutan ve \u00f6nlem almaya iten hane halk\u0131 bor\u00e7lar\u0131n\u0131n b\u00fcy\u00fckl\u00fc\u011f\u00fcnden \u00e7ok,\u00a0 b\u00fcy\u00fcme h\u0131z\u0131.<\/p>\n<p>Bunun k\u0131sa vadede t\u00fcketici kredilerinde \u00e7ok b\u00fcy\u00fck olmayan bir daralma ortaya \u00e7\u0131kar\u0131r, bankalar\u0131 belli limitler i\u00e7inde kalmaya zorlar. Ve sonu\u00e7 olarak k\u0131sa vadeden \u00e7ok orta ve uzun vadede sistemin sa\u011fl\u0131\u011f\u0131n\u0131 koruyan bir \u00f6nlem olarak kar\u015f\u0131m\u0131za \u00e7\u0131kar.<\/p>\n<p>Bu t\u00fcr \u00f6nlemler g\u00f6r\u00fcld\u00fc\u011f\u00fc gibi esas \u0131tibariyle arz\u0131 k\u0131s\u0131tlama y\u00f6n\u00fcnde sonu\u00e7lar getirebilir. Ama uzmanlar bu stratejinin yeterli olmayaca\u011f\u0131n\u0131, talebi k\u0131s\u0131c\u0131 vergi \u00f6nlemleri gibi \u00f6nlemlerin de al\u0131nmas\u0131 gerekti\u011fini belirtiyorlar. Kararlar\u0131n k\u0131sa vadeden \u00e7\u0131k orta ve uzun vadede sistemin sa\u011fl\u0131\u011f\u0131 a\u00e7\u0131s\u0131ndan sonu\u00e7 verece\u011fini, bunun yan\u0131 s\u0131ra bankalar\u0131n karl\u0131l\u0131\u011f\u0131n\u0131 azaltaca\u011f\u0131n\u0131 belirtiyorlar.<\/p>\n<p>Bu frenin t\u00fcketimi daraltmas\u0131 nedeniyle cari a\u00e7\u0131k a\u00e7\u0131s\u0131ndan da bir etkisi olabilece\u011fi s\u00f6yleniyor. Ancak, cari a\u00e7\u0131k sorununun \u00e7\u00f6z\u00fcm\u00fcnde as\u0131l etkinin yerli kaynakl\u0131 \u00fcretime dayal\u0131 ihracat ve azalt\u0131lan ithalata ba\u011fl\u0131 oldu\u011funun unutulmamas\u0131 gerekti\u011fini, bu y\u00f6nde yeni kararlara ihtiya\u00e7 oldu\u011funun alt\u0131n\u0131 \u00e7iziyorlar. Bu kararlar i\u00e7ersinde ihra\u00e7 \u00fcr\u00fcnlerde yerli girdinin art\u0131r\u0131lmas\u0131na te\u015fvik verilmesi, ithalat\u0131 azaltan sekt\u00f6rlerin desteklenmesi gibi \u00f6nlemleri i\u00e7eren reformist bir politika \u00f6neriyorlar.<\/p>\n<p><strong>Osman AROLAT<\/strong><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Cari a\u00e7\u0131\u011f\u0131n azalt\u0131lmas\u0131 i\u00e7in t\u00fcketici kredilerine fren konusunda \u00f6nce Merkez Bankas\u0131 zorunlu kar\u015f\u0131l\u0131klar\u0131 art\u0131rarak \u00f6nlem ald\u0131. Bu yeterli sonu\u00e7 vermeyince bu kez BDDK \u00f6nlemleri devreye&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-1771","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\/1771","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=1771"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/1771\/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=1771"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=1771"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=1771"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}