{"id":1961,"date":"2011-06-24T01:36:18","date_gmt":"2011-06-23T22:36:18","guid":{"rendered":"http:\/\/www.bilgeyatirimci.com\/?p=1961"},"modified":"2011-06-24T01:36:18","modified_gmt":"2011-06-23T22:36:18","slug":"sicak-havalarda-sogutma-tedbirleri","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/sicak-havalarda-sogutma-tedbirleri\/","title":{"rendered":"S\u0131cak havalarda ,So\u011futma Tedbirleri"},"content":{"rendered":"

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BDDK \u2018n\u0131n ekonominin a\u015f\u0131r\u0131 \u0131s\u0131nd\u0131\u011f\u0131na dair g\u00f6zlemlerini ve bu g\u00f6zlem sonucu tedbirlerini ,se\u00e7imlerden hemen sonra devreye sokmas\u0131 ekonomini y\u00f6netimi \u00fczerindeki siyasi otoritenin varl\u0131\u011f\u0131n\u0131n kan\u0131t\u0131 oldu\u011fu s\u00f6ylenebilir. Aylard\u0131r a\u015f\u0131r\u0131 \u0131s\u0131nmaya dair sinyaller ,yerini y\u00fcksek sesli alarmlara \u00e7evirmi\u015fken, gecikmi\u015f bu karar\u0131n yans\u0131mas\u0131 ,kredi\u00a0 ve mevduat kar\u015f\u0131l\u0131klar\u0131n\u0131n artt\u0131r\u0131lmas\u0131 ile istenmeyen talep b\u00fcy\u00fcmesine fren etkisi g\u00f6sterecek. Uzun y\u0131llar iki haneli faiz oranlar\u0131na al\u0131\u015fk\u0131n T\u00fcrk halk\u0131n\u0131n 2002\u2019den beri s\u00fcrekli d\u00fc\u015f\u00fc\u015f e\u011filimi g\u00f6steren faiz oranlar\u0131 ile kar\u015f\u0131la\u015f\u0131nca, uzun vadeli bor\u00e7lanmak suretiyle gayr\u0131menkul,ara\u00e7,i\u015f geli\u015ftirme gibi harcamalara y\u00f6nelmi\u015f olmas\u0131 bu talep patlamas\u0131n\u0131n nedeni olarak g\u00f6r\u00fcl\u00fcyor . Kredi patlamas\u0131nda g\u00f6zle g\u00f6r\u00fclmeyen bir ayr\u0131nt\u0131 ise kredilerin \u00f6nemli bir b\u00f6l\u00fcm\u00fcn\u00fcn var olan nakit s\u0131k\u0131\u015f\u0131kl\u0131\u011f\u0131n\u0131 gidermek \u00fczere kullan\u0131ld\u0131\u011f\u0131 ger\u00e7e\u011fi. Yani zannedildi\u011fi gibi b\u00fcy\u00fcyen ekonomide al\u0131nan t\u00fcm krediler, i\u015f geli\u015ftirme,gayr\u0131menkul,araba ,makina- techizat olarak de\u011ferlendirilmemi\u015f,bilakis var olan krediler d\u00f6nd\u00fcr\u00fclm\u00fc\u015f. T\u00fcrk halk\u0131n\u0131n kronikle\u015fmi\u015f tasarruf etme al\u0131\u015fkanl\u0131\u011f\u0131n\u0131n bile art\u0131k de\u011fi\u015fti\u011fi ,yast\u0131k alt\u0131n\u0131n art\u0131k erimeye maruz kald\u0131\u011f\u0131 ,daha fazla harcayan buna kar\u015f\u0131l\u0131k daha az tasarruf eden bir topluma d\u00f6n\u00fc\u015ft\u00fc\u011f\u00fc son 10 y\u0131lda ,ekonomi y\u00f6netimine artan g\u00fcvenin pay\u0131da var ama aslan pay\u0131 halk\u0131n i\u00e7indeki bast\u0131r\u0131lm\u0131\u015f sahip olma i\u00e7g\u00fcd\u00fcs\u00fc. Y\u0131llarca d\u00f6viz getirisinin ,enflasyondan daha fazla getiri yapt\u0131\u011f\u0131, mevduat faizlerin ,enflasyonun \u00fczerinde seyretti\u011fi ortamda ya\u015fayan T\u00fcrk halk\u0131 ,koruma psikolojisi ile harcamalar\u0131na k\u0131s\u0131tlama koyarken ,d\u00fcnyada s\u0131f\u0131ra yak\u0131n seyreden faiz oranlar\u0131n\u0131n yans\u0131mas\u0131 olarak T\u00fcrkiye\u2019de d\u00fc\u015fen faizlerin halk\u0131 harcamaya te\u015fvik etti\u011fi ger\u00e7e\u011fide ortada. Tasarruf oran\u0131n bu kadar d\u00fc\u015f\u00fck olu\u015fu beklenmedik bir kriz durumunda kom\u015funun ya\u015fad\u0131\u011f\u0131 sosyal patlamalar\u0131n bizde de ya\u015fanabilece\u011fi ger\u00e7e\u011fini destekler. BDDK\u2019n\u0131n bu karar\u0131n\u0131 ,maliye ve para politikalar\u0131n\u0131n desteklemesi gerekiyor. Bakan \u015eim\u015fek yeni vergiler ile ilgili bir \u00e7al\u0131\u015fman\u0131n olmayaca\u011f\u0131n\u0131 dile getirdi .Para politikas\u0131 arac\u0131n\u0131n faiz oldu\u011fu ve faizleri artt\u0131rman\u0131n s\u0131cak para art\u0131\u015f\u0131n\u0131 h\u0131zland\u0131rarak TL\u2019yi de\u011ferlendirecek olmas\u0131 bu karar\u0131 desteklemiyor. Kredi kar\u015f\u0131l\u0131klar\u0131n\u0131n artt\u0131r\u0131lmas\u0131, i\u00e7 talep sonucu olan yava\u015flama ger\u00e7ekle\u015ftirir ise ithalat geriler, T\u00fcrk liras\u0131 kontroll\u00fc de\u011fer kazan\u0131r ,s\u0131cak para piyasadan \u00e7ekilir ve ba\u011flant\u0131l\u0131 olarak ithalattaki bu d\u00fc\u015f\u00fc\u015f\u00fcn sonucunda cari a\u00e7\u0131k d\u00fc\u015fer. So\u011futma tedbirleri aras\u0131nda \u00a0say\u0131lan kredi kart\u0131 taksitlendirmesinin 3 ayla s\u0131n\u0131rland\u0131r\u0131lmas\u0131,anla\u015fmal\u0131 i\u015fyerleri ile bankalar\u0131n 12 ve \u00fczeri adette taksitlendirmeye gitmelerinin \u00f6n\u00fcne ge\u00e7erek i\u00e7 talebi k\u0131sacak. \u00a024 aya kadar \u00e7\u0131kan\u00a0taksit\u00a0say\u0131s\u0131n\u0131n 9 ya da 12 ile s\u0131n\u0131rland\u0131rmas\u0131 g\u00fcndemde.\u00a0\u00dcreticiler ve sat\u0131c\u0131lar her ne kadar bu karara bilan\u00e7olar\u0131n\u0131n ve karl\u0131l\u0131klar\u0131n\u0131n k\u00f6t\u00fc etkilenece\u011fi i\u00e7in kar\u015f\u0131 \u00e7\u0131ksalarda \u00a0,hanehalk\u0131 bor\u00e7lulu\u011funu d\u00fc\u015f\u00fcrmeye y\u00f6nelik olarak g\u00f6r\u00fcnen bu \u00e7al\u0131\u015fma mant\u0131kl\u0131 gibi duruyor.<\/p>
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