{"id":21572,"date":"2012-11-30T09:20:17","date_gmt":"2012-11-30T07:20:17","guid":{"rendered":"http:\/\/www.bilgeyatirimci.com\/?p=21572"},"modified":"2012-11-30T09:20:25","modified_gmt":"2012-11-30T07:20:25","slug":"ciftci-ziraat-in-1-idir","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/ciftci-ziraat-in-1-idir\/","title":{"rendered":"\u00c7ift\u00e7i Ziraat&#8217; \u0131n 1&#8242; idir"},"content":{"rendered":"<p>Ziraat Bankas\u0131 Genel M\u00fcd\u00fcr\u00fc H\u00fcseyin Ayd\u0131n, bankas\u0131n\u0131 tan\u0131mlarken bir ifade kulland\u0131: \u201cBankalar ticari kurumlard\u0131r, hay\u0131r kurumlar\u0131 de\u011fil.\u201d Bu ifadeyi her ne kadar kanunen alamayacaklar\u0131n\u0131n alt\u0131 \u00e7izilen, konuyla ilgili Yarg\u0131tay, mahkeme ve t\u00fcketici hakem heyeti kararlar\u0131 olan aidatlar, komisyon gibi kesintiler i\u00e7in s\u00f6ylediyse de, bir mant\u0131\u011f\u0131 g\u00f6stermesi bak\u0131m\u0131ndan \u00f6nemli.<\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-376746437\"><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>\u00c7\u00fcnk\u00fc Say\u0131n Ayd\u0131n hen\u00fcz ba\u015f\u0131nda oldu\u011fu bankan\u0131n felsefesini anlamam\u0131\u015f. Elbette bankalar hay\u0131r kurumlar\u0131 de\u011fil, ama ekonominin kendisi de de\u011fil. \u00d6ncelikle ticari bir kurulu\u015f olmak, kanunen yapamayaca\u011f\u0131n\u0131z bir eyleme giri\u015fmenizde sizi hakl\u0131 \u00e7\u0131karmaz.<\/p>\n<p>Gelelim Ziraat Bankas\u0131 meselesine\u2026 H\u00fcseyin Ayd\u0131n hangi bankan\u0131n ba\u015f\u0131nda oldu\u011funun fark\u0131nda m\u0131? Tekrar hat\u0131rlatay\u0131m Ziraat Bankas\u0131\u2026 Yani elbette zarar etmemesi gereken, ama meseleye, di\u011fer finans kurulu\u015flar\u0131 gibi salt k\u00e2r odakl\u0131 da yakla\u015famayaca\u011f\u0131 bir bankan\u0131n Genel M\u00fcd\u00fcr\u00fc&#8230;<\/p>\n<p>O zaman ben kendisine k\u0131sa bir hat\u0131rlatma yapay\u0131m: Bu bankan\u0131n temeli 1863 y\u0131l\u0131nda tar\u0131msal kredileri d\u00fczenlemeye ba\u015flayan Ni\u015f Valisi Midhat Pa\u015fa taraf\u0131ndan at\u0131ld\u0131. Rus\u00e7uk kasabas\u0131n\u0131n Pirot k\u00f6y\u00fcnde tar\u0131m kredi kooperatifi olan Memleket Sand\u0131\u011f\u0131 uygulamas\u0131 1867\u2019den sonra resmi nitelik kazand\u0131. 1883\u2019ten sonra da A\u015far Vergisi\u2019ne yap\u0131lan y\u00fczde 10 oran\u0131ndaki \u2018menafi Hissesi\u2019 zamm\u0131 sand\u0131klara gelir olarak sa\u011fland\u0131.<\/p>\n<p>Yani kurulu\u015fu da, gelir kurgusu da k\u00f6yl\u00fcye dayand\u0131r\u0131lm\u0131\u015f bir bankadan, bir ihtisas bankas\u0131ndan bahsediyoruz. O baz\u0131lar\u0131n\u0131n be\u011fenmedi\u011fi Cumhuriyet y\u00f6netimi 1924 y\u0131l\u0131nda bir yasa \u00e7\u0131kard\u0131 ve bankay\u0131 devlet kurumu olmaktan \u00e7\u0131kararak 30 milyon Tl sermayeli bir anonim \u015firkete d\u00f6n\u00fc\u015ft\u00fcrd\u00fc.<\/p>\n<p>Ama Halkbank nas\u0131l esnaf ve zanaatk\u00e2r\u0131 desteklemekle m\u00fckellefse, Ziraat Bankas\u0131 da \u00e7ift\u00e7iyi kalk\u0131nd\u0131rmakla misyon edindi. Bug\u00fcn sayfa sayfa reklam verebiliyor ve m\u00fc\u015fteri portf\u00f6y\u00fcn\u00fc g\u00f6stererek yabanc\u0131lar\u0131n a\u011fz\u0131n\u0131 suland\u0131rmay\u0131 ba\u015far\u0131yorsa, \u00e7\u0131k\u0131\u015f noktas\u0131n\u0131 ve hitap etti\u011fi kesimi unutmamal\u0131d\u0131r.<\/p>\n<p>Yani H\u00fcseyin Ayd\u0131n\u2019\u0131n yan\u0131ld\u0131\u011f\u0131 nokta bu: Ziraat Bankas\u0131 herhangi bir finansal kurulu\u015f de\u011fil, ihtisas bankas\u0131d\u0131r ve kendisini var eden kitlesini kalk\u0131nd\u0131rmakla y\u00fck\u00fcml\u00fcd\u00fcr. Ge\u00e7ti\u011fimiz g\u00fcnlerde kaleme ald\u0131\u011f\u0131m bir yaz\u0131da Almanya\u2019daki Raiffeisen Bank\u2019\u0131 \u00f6rnek g\u00f6stermi\u015ftim.<\/p>\n<p>\u00c7\u00fcnk\u00fc bankan\u0131n kurulu\u015funa bakt\u0131\u011f\u0131n\u0131zda yine tar\u0131m kooperatiflerinin zamanla finansal kurulu\u015f olu\u015fturmas\u0131 ve hedefinden sapmadan zarar etmeden tar\u0131m\u0131 destekleyen faaliyetlerin i\u00e7inde bulunmas\u0131yla \u00f6rnektir.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3654420154\"><ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-7495567325667578\"\r\n     data-ad-slot=\"3167340272\"\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>Kurulu\u015f \u00f6yk\u00fcs\u00fc ama\u00e7 bak\u0131m\u0131ndan da Ziraat Bankas\u0131\u2019na \u00e7ok benziyor. Sadece biz bankalar\u0131 finansal ara\u00e7 de\u011fil, ekonominin kendisi zannetti\u011fimiz ama\u00e7lar\u0131ndan sapt\u0131rd\u0131\u011f\u0131m\u0131z i\u00e7in aradaki makas\u0131n a\u00e7\u0131ld\u0131\u011f\u0131 g\u00f6r\u00fcl\u00fcyor. Al\u0131n size uluslararas\u0131 norm ise norm\u2026 Niye hep yanl\u0131\u015f\u0131 \u00f6rnek al\u0131yorsunuz?<\/p>\n<p>Fakat bunun temelinde son d\u00f6nemde T\u00fcrkiye\u2019ye hakim olan \u2018para\u2019 odakl\u0131 yorumun etkin oldu\u011fu g\u00f6r\u00fcl\u00fcyor. O kadar her \u015feyi para ile \u00f6l\u00e7er olduk ki, muhteviyat\u0131na bakm\u0131yoruz bile\u2026 Oysa kurulu\u015flar\u0131n kurumsalla\u015fmas\u0131, b\u00fcy\u00fcmesi ve ger\u00e7ekten de\u011ferlenmesi i\u00e7in misyonundan sapmamas\u0131, vizyonunu da bunun \u00fczerine in\u015fa etmesi gerekir. Hele ki s\u00f6z konusu olan bir ihtisas bankas\u0131ysa\u2026<\/p>\n<p>B\u00f6yle olunca da durum birlerle s\u0131f\u0131rlar hik\u00e2yesine d\u00f6n\u00fcyor. Her ne kadar \u015fimdilerde kendisi de bu \u00f6yk\u00fcye ayk\u0131r\u0131 davransa da, bir zamanlar \u00d6\u011fretim \u00dcyesi olan MHP Genel Ba\u015fkan\u0131 Devlet Bah\u00e7eli\u2019nin iktisat dersine girdi\u011finde \u00f6\u011frencilerine ilk ne anlatt\u0131\u011f\u0131n\u0131 hat\u0131rlamakta fayda var. Ne demi\u015fti Say\u0131n Bah\u00e7eli?<\/p>\n<p>Tahtaya kocaman 1 yazm\u0131\u015f ve bu \u2018sizsiniz\u2019 dedikten sonra, kariyer, i\u015f, evlilik gibi eklenen t\u00fcm s\u0131fatlar i\u00e7in yan\u0131na s\u0131f\u0131r koymu\u015f ve en sonunda 1\u2019i sildikten sonra s\u0131n\u0131fa d\u00f6n\u00fcp \u2018siz yoksan\u0131z, hi\u00e7birinin \u00f6nemi yok\u2019 demi\u015fti.<\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3422098446\"><ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-7495567325667578\"\r\n     data-ad-slot=\"1818807385\"\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>\u0130\u015fte Ziraat Bankas\u0131\u2019n\u0131n \u00f6yk\u00fcs\u00fcndeki 1 rakam\u0131 \u00e7ift\u00e7idir. E\u011fer onu silerseniz, yan\u0131ndaki s\u0131f\u0131rlar hi\u00e7bir anlam ifade etmez. Yani ka\u011f\u0131t \u00fczerindeki ba\u015far\u0131l\u0131 banka, birden m\u00fc\u015fterisiz bir banka haline d\u00f6n\u00fc\u015f\u00fcr. O zaman da de\u011feri olur, ama k\u0131ymeti olmaz. Say\u0131n Ayd\u0131n, bence siz bu 1 hik\u00e2yesini yeniden d\u00fc\u015f\u00fcn\u00fcn.<\/p>\n<p><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ziraat Bankas\u0131 Genel M\u00fcd\u00fcr\u00fc H\u00fcseyin Ayd\u0131n, bankas\u0131n\u0131 tan\u0131mlarken bir ifade kulland\u0131: \u201cBankalar ticari kurumlard\u0131r, hay\u0131r kurumlar\u0131 de\u011fil.\u201d Bu ifadeyi her ne kadar kanunen alamayacaklar\u0131n\u0131n alt\u0131&hellip;<\/p>\n","protected":false},"author":5,"featured_media":14653,"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-21572","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\/21572","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\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/comments?post=21572"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/21572\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media\/14653"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=21572"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=21572"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=21572"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}