{"id":17905,"date":"2012-07-24T08:21:00","date_gmt":"2012-07-24T06:21:00","guid":{"rendered":"http:\/\/www.bilgeyatirimci.com\/?p=17905"},"modified":"2012-07-24T08:21:25","modified_gmt":"2012-07-24T06:21:25","slug":"bu-donemde-en-kotusu-tasarrufcu-olmak","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/bu-donemde-en-kotusu-tasarrufcu-olmak\/","title":{"rendered":"Bu D\u00f6nemde En K\u00f6t\u00fcs\u00fc Tasarruf\u00e7u Olmak"},"content":{"rendered":"<p>Ben sars\u0131lan tasarruf\u00e7u g\u00fcveninin bu d\u00f6nemin en \u00f6nemli kaybedeni olaca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcn\u00fcyorum.<\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-1105234227\"><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>2008 krizi inan\u00e7lar\u0131m\u0131z\u0131 y\u0131kmaya devam ediyor. Sisteme olan iman\u0131m\u0131z zorda. Ge\u00e7enlerde, sistemimizin ta\u015f\u0131y\u0131c\u0131 kolonlar\u0131ndan biri daha gitti. Londra bankalar aras\u0131 referans faiz oran\u0131 (libor)belirlenmesinde hile yap\u0131ld\u0131\u011f\u0131 ortaya \u00e7\u0131kt\u0131. Yok art\u0131k. O libor ki, y\u00fczlerce trilyonluk g\u00fcnl\u00fck i\u015flem, o referans faiz oran\u0131na bak\u0131larak fiyatland\u0131r\u0131l\u0131yordu. \u0130ngiliz Barclays bankas\u0131n\u0131n, g\u00f6revinden bir nevi merkez bankas\u0131 ba\u015fkan\u0131n\u0131n zoruyla, ayr\u0131lan genel m\u00fcd\u00fcr\u00fc, \u201cbiz libor i\u00e7in zaman\u0131nda olmayacak d\u00fc\u015f\u00fck faiz oranlar\u0131ndan bor\u00e7lanabilece\u011fimizi s\u00f6ylemi\u015ftik. Zaman\u0131n merkez bankas\u0131 idaresi de hilemizin fark\u0131ndayd\u0131. Hatta zaten \u00f6yle istiyordu\u201d deyiverdi. Sonra ortal\u0131k kar\u0131\u015ft\u0131. Bu Barclays i\u015fi hi\u00e7 iyi olmad\u0131. Sistemimizi daha derinden tart\u0131\u015fmaya a\u00e7t\u0131. Unuttuklar\u0131m\u0131z\u0131 bize yeniden hat\u0131rlatt\u0131. Mutsuzluklar\u0131m\u0131z\u0131 g\u00fcn y\u00fcz\u00fcne \u00e7\u0131kard\u0131. K\u0131sa bir listeye ne dersiniz?<br \/>\n\u0130sterseniz \u00f6nce bir libordan ba\u015flayay\u0131m. Libor\u2019un asl\u0131 BBA L\u0130BOR. Britanya Bankalar Birli\u011fi bankalar aras\u0131 piyasada referans faiz oran\u0131n\u0131 \u00fcyelerine soruyor ve sonra da bunun ortalamas\u0131n\u0131 a\u00e7\u0131kl\u0131yor. Asl\u0131nda bankalara pek kolay bir soru soruluyor: \u201cBug\u00fcn bir ba\u015fka bankadan bor\u00e7 para alman\u0131z gerekseydi, hangi faiz oran\u0131ndan bor\u00e7lanabilirdiniz?\u201d Bankalar \u00f6yle toplad\u0131klar\u0131 paray\u0131 kasalar\u0131nda bekletmiyorlar. Plase ediyorlar. Kar\u015f\u0131lar\u0131na yeni bir yat\u0131r\u0131m f\u0131rsat\u0131 \u00e7\u0131kt\u0131\u011f\u0131nda, bir \u00f6deme emrini yerine getirmek gerekti\u011finde, kasalar\u0131nda para yoksa, olan bir bankadan \u00e7ok k\u0131sa vadeli bor\u00e7 bulmalar\u0131 gerekiyor. \u0130\u015fte o mutasavver borcun olas\u0131 maliyetini her g\u00fcn soruyorlar bankac\u0131lara. Barclays skandal\u0131 ile \u015fu ortaya \u00e7\u0131kt\u0131: 2008 krizinin, s\u0131k\u0131nt\u0131l\u0131 g\u00fcnlerinde, baz\u0131 bankac\u0131lar bu soruya yalan cevap vermi\u015fler. Bunu, kendi risklilikleri ortaya \u00e7\u0131kmas\u0131n diye yapm\u0131\u015flar ya da merkez bankas\u0131 onlardan \u00f6yle istemi\u015f de \u00f6yle yapm\u0131\u015flar, \u00f6nemli de\u011fil. \u00d6nemli olan hepimizin b\u00fcy\u00fck bir a\u00e7\u0131kl\u0131kla bankalar\u0131n bir yalan\u0131na tan\u0131kl\u0131k etmemiz. \u015eimdi diyeceksiniz ki, \u201cbunun i\u00e7in bir vakaya daha m\u0131 ihtiya\u00e7 vard\u0131?\u201d Bana kal\u0131rsa, hi\u00e7 bu kadar a\u00e7\u0131k yalan s\u00f6ylerken yakalanan olmam\u0131\u015ft\u0131. Bu nedenle, hasar alan sistemimizin ta\u015f\u0131y\u0131c\u0131 kolonlar\u0131ndan bir tanesi oldu. Bu ilk nokta.<\/p>\n<p>Yaz\u0131n\u0131n devam\u0131 i\u00e7in <strong><a href=\"http:\/\/www.radikal.com.tr\/Radikal.aspx?aType=RadikalYazar&amp;ArticleID=1095065&amp;Yazar=GUVEN-SAK&amp;CategoryID=101\" target=\"_blank\" data-wpel-link=\"external\" rel=\"nofollow external noopener\">TIKLAYINIZ.<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ben sars\u0131lan tasarruf\u00e7u g\u00fcveninin bu d\u00f6nemin en \u00f6nemli kaybedeni olaca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcn\u00fcyorum. 2008 krizi inan\u00e7lar\u0131m\u0131z\u0131 y\u0131kmaya devam ediyor. Sisteme olan iman\u0131m\u0131z zorda. Ge\u00e7enlerde, sistemimizin ta\u015f\u0131y\u0131c\u0131 kolonlar\u0131ndan&hellip;<\/p>\n","protected":false},"author":18,"featured_media":908,"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-17905","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\/17905","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\/18"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/comments?post=17905"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/17905\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media\/908"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=17905"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=17905"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=17905"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}