{"id":24913,"date":"2013-05-21T08:32:58","date_gmt":"2013-05-21T06:32:58","guid":{"rendered":"http:\/\/www.bilgeyatirimci.com\/?p=24913"},"modified":"2013-05-21T08:33:09","modified_gmt":"2013-05-21T06:33:09","slug":"supheli-alacagin-taliplisi","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/supheli-alacagin-taliplisi\/","title":{"rendered":"\u015e\u00fcpheli Alaca\u011f\u0131n Taliplisi"},"content":{"rendered":"<p>Esnafs\u0131n\u0131z ve bir arkada\u015f\u0131n\u0131z geldi, tahsil edemedi\u011fi alacaklar\u0131 size satmak istedi. \u00dcstelik son derece cazip ko\u015fullarda\u2026 Bu takibe d\u00fc\u015fm\u00fc\u015f bor\u00e7lar\u0131 sat\u0131n al\u0131r m\u0131s\u0131n\u0131z? Peki ald\u0131n\u0131z diyelim, nas\u0131l tahsil edersiniz?<\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-155850845\"><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>Piyasada bir d\u00f6nem tahsil edilemeyen alacaklar\u0131n \u00e7ek-senet mafyas\u0131na d\u00fc\u015ft\u00fc\u011f\u00fc d\u00f6nemleri hat\u0131rlars\u0131n\u0131z. Bu arkada\u015flar\u0131n farkl\u0131 y\u00f6ntemleri vard\u0131. Do\u011fal olarak hukuki s\u00fcre\u00e7 i\u00e7inde tahsil edilemeyen tutarlar, k\u0131ymeti kendinden menkul bu tiplerin mafy\u00f6z tav\u0131rlar\u0131yla al\u0131n\u0131r; \u00f6nemli bir k\u0131sm\u0131 da bunlara kal\u0131rd\u0131.<\/p>\n<p>Neyse ki uzun zamand\u0131r m\u00fcnferit olaylar d\u0131\u015f\u0131nda, genele yay\u0131lan b\u00f6yle bir durum ya\u015fam\u0131yoruz. Yoksa adettendir deyip, gelene\u011fe sad\u0131k kalanlar var. Ama normalle\u015fme riski da\u011f\u0131ld\u0131. Peki neden? Her \u015fey \u00e7ok mu normal? Piyasalarda tahsil\u00e2t s\u0131k\u0131nt\u0131s\u0131 m\u0131 bitti? \u0130nsanlar alacaklar\u0131ndan m\u0131 vazge\u00e7tiler? Hepsinin yan\u0131t\u0131 elbette hay\u0131r\u2026<\/p>\n<p>Bu i\u015fin kronik problem olmaktan \u00e7\u0131kmas\u0131n\u0131n temelinde bor\u00e7lanma yap\u0131s\u0131ndaki farkl\u0131la\u015fma geliyor. Bankac\u0131l\u0131\u011f\u0131n sisteme daha \u00e7ok dahil olmas\u0131 ve eskiden veresiye ya da a\u00e7\u0131k hesap \u00e7al\u0131\u015f\u0131p, belli d\u00f6nemlerde \u00e7ek ya da senetle bor\u00e7lar\u0131n kapat\u0131lmas\u0131 yerine, banka kredisi ile al\u0131m sat\u0131m \u00f6ne \u00e7\u0131kt\u0131.<\/p>\n<p>\u0130lk bak\u0131\u015fta son derece do\u011fru bir ortam olu\u015ftu. Art\u0131k bankac\u0131l\u0131k sistemi i\u00e7inde, daha legal ve bor\u00e7-alacak sistemini hukuka ba\u011flayan bir sistemin ortaya \u00e7\u0131kmas\u0131 hedeflendi. Fakat gerek piyasa yap\u0131s\u0131n\u0131n reel sekt\u00f6rden finans odakl\u0131 hale gelmesi, gerekse de finans kurulu\u015flar\u0131n bor\u00e7 vermenin k\u00e2rl\u0131l\u0131\u011f\u0131n\u0131n tad\u0131na varmas\u0131 durumu kontrolden \u00e7\u0131kard\u0131.<\/p>\n<p>D\u00fcnyada likidite bol iken ve insanlar\u0131 bor\u00e7land\u0131rmak bir ticaret modeli olarak do\u011fru g\u00f6z\u00fck\u00fcrken, bankalar da d\u0131\u015far\u0131dan ald\u0131klar\u0131 bor\u00e7lar\u0131, \u2018\u00fcretime asla, t\u00fcketime feda\u2019 mant\u0131\u011f\u0131yla bol keseden da\u011f\u0131tt\u0131lar.<\/p>\n<p>Fakat d\u00fcnyan\u0131n 2008 y\u0131l\u0131 ve sonras\u0131nda ya\u015fad\u0131\u011f\u0131 ger\u00e7ekle\u015fmeler, d\u00fcnya finans sekt\u00f6r\u00fcn\u00fcn s\u0131k\u0131nt\u0131ya d\u00fc\u015fmesi, durumu d\u00fcnya a\u00e7\u0131s\u0131ndan de\u011fi\u015ftirdi. T\u00fcrkiye a\u00e7\u0131s\u0131ndan ise \u00e7ok fazla bir \u015fey de\u011fi\u015fmedi. \u00c7\u00fcnk\u00fc T\u00fcrkiye\u2019de yar\u0131s\u0131ndan \u00e7o\u011fu yabanc\u0131lar\u0131n eline ge\u00e7mi\u015f finans sekt\u00f6r\u00fc, d\u00fcnyan\u0131n en k\u00e2rl\u0131 \u00fclkesinde operasyonlar\u0131na h\u0131z vermeden devam ettiler.<\/p>\n<p>Bir\u00e7ok uluslararas\u0131 finans zinciri, d\u00fcnyada ettikleri zarar\u0131n finansman\u0131n\u0131, T\u00fcrk insan\u0131n\u0131 bor\u00e7land\u0131rarak, ona kredi sat\u0131p, krediler \u00fczerinden ald\u0131klar\u0131 masraflar\u0131 \u00f6ne s\u00fcrerek kar\u015f\u0131lad\u0131. T\u00fcrk insan\u0131 paraya a\u00e7t\u0131; bankalar da kesenin a\u011fz\u0131n\u0131 a\u00e7t\u0131.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2631283894\"><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>\u00d6nce sokakta kredi kart\u0131 da\u011f\u0131tmaya ba\u015flad\u0131lar. Sonra yasakland\u0131, bug\u00fcn kap\u0131 kap\u0131 ofis dola\u015f\u0131yorlar. \u00d6yle al\u0131p da \u00f6demek yok. En az \u00f6denmesi gerekeni \u00f6deyen en iyi m\u00fc\u015fteri oldu. Kendi yaratt\u0131klar\u0131 gayrimenkulleri, kredi verip in\u015fa ettirip, sonra yine kredi verip t\u00fcketiciye satman\u0131n, \u00f6deyemeyince de haczetmenin dayan\u0131lmaz hazz\u0131n\u0131 ke\u015ffettiler.<\/p>\n<p>Fakat gelir seviyesinin \u00e7ok \u00fczerinde bor\u00e7lanan ve \u00f6deme kabiliyeti olmayan t\u00fcketici, yasalar \u00e7i\u011fnenerek g\u00fcc\u00fcn\u00fcn \u00fczerinde bor\u00e7land\u0131r\u0131l\u0131nca ortaya bir s\u0131k\u0131nt\u0131 \u00e7\u0131kt\u0131. Paralar nas\u0131l tahsil edilecekti? Kara listeye girenlere nas\u0131l kredi verilecekti?<\/p>\n<p>\u0130\u015fte bunun s\u0131rr\u0131n\u0131 da yasal d\u00fczenlemesinden d\u00f6rt be\u015f y\u0131l \u00f6nce kurulan varl\u0131k y\u00f6netim \u015firketleriyle buldular. \u00d6nce bor\u00e7land\u0131r, sonra faizi ve masraf\u0131yla s\u00f6m\u00fcr, i\u015fin bitince kenara at. At diyorum ama b\u00f6yle bir l\u00fcksleri de yok. \u00c7\u00fcnk\u00fc T\u00fcrk insan\u0131n tamam\u0131 o veya bu nedenle bor\u00e7lu hale geldi.<\/p>\n<p>\u0130ktidar bu gizli iflastan sadaka ekonomisiyle oy toplarken, bankalarda tefeci diye nitelendirilip, kredi kartlar\u0131n\u0131 a\u00e7\u0131ktan kapayanlar\u0131n iki kat\u0131 oran\u0131nda faizler isteyerek insanlar\u0131 hortumlad\u0131lar.<\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3604222965\"><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>Peki ya \u00f6demeyenler? Onlar\u0131 da varl\u0131k y\u00f6netim \u015firketlerine sat\u0131yorlar. Son olarak Akbank takipteki krediler portf\u00f6y\u00fcn\u00fcn 250 milyon TL\u2019lik k\u0131sm\u0131n\u0131 satt\u0131. Bu son \u00f6rnek\u2026 \u015eu anda \u00fclkede 6,5 milyona yak\u0131n varl\u0131k y\u00f6netim \u015firketlerinin pen\u00e7esine d\u00fc\u015fm\u00fc\u015f insan var.<\/p>\n<p>Bu durumda birka\u00e7 soru sormak gerekiyor: Birincisi T\u00fcrkiye\u2019nin en iyi hukuk servislerine sahip bankalar, bu yolla alacaklar\u0131n\u0131 tahsil edemezken, varl\u0131k y\u00f6netim \u015firketi nas\u0131l bir y\u00f6ntem uygulayacak da tahsil\u00e2t yapacak? Ma\u011fdurlarla konu\u015ftu\u011fum kadar\u0131yla uygulanan y\u00f6nteme bakarsan\u0131z, ho\u015fgeldiniz \u2018\u00e7ek-senet\u00e7iler\u2019 dedirtiyor.<\/p>\n<p>\u0130kincisi 5 TL\u2019lik bir borcu varl\u0131k y\u00f6netim \u015firketine mesela 1,5 TL\u2019ye satan banka, t\u00fcketiciden 9 TL olarak tahsil edilmek istenen bu paray\u0131 neden yap\u0131land\u0131rmaz? D\u00f6n\u00fcp m\u00fc\u015fterisine \u20181,5 TL ver kapatal\u0131m\u2019 neden demez?<\/p>\n<p>Son soru: Tahsil edilemeyen alaca\u011f\u0131n\u0131 varl\u0131k y\u00f6netim \u015firketlerine satan bankalar, neden ayn\u0131 insana gidip kredi ya da kredi kart\u0131 satmaya kalkar? Bu tespit tahmin de\u011fil, ger\u00e7ektir.<\/p>\n<p>\u0130\u015fin \u00f6z\u00fc \u015fu: B\u00f6yle tezg\u00e2h olduktan ve siyaset de buna yol verdikten sonra, niye kalkmas\u0131n ki? Vatanda\u015f\u0131n darbo\u011faz\u0131ndan yararlanan siyaset de gidip sadaka ekonomisiyle oy topluyor.<\/p>\n<p>Sonra o verilen oylarla da paray\u0131 verenlerin istedi\u011fi kanunlar hayata ge\u00e7iyor. B\u00f6yle bir ekonomi modelinin ad\u0131 ne olur bilemiyorum ama, b\u00f6ylesi bir ortama ancak rahmetli Kemal Sunal\u2019\u0131n filmindeki \u2018D\u00fctt\u00fcr\u00fc D\u00fcnya\u2019 ad\u0131 verilir. Art\u0131k d\u00fcd\u00fck kim, d\u00fcd\u00fc\u011f\u00fc kim \u00e7al\u0131yor; \u00e7alan kimle payla\u015f\u0131yor, onu da siz bulun.<\/p>\n<p>cetinunsalan@yahoo.com<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Esnafs\u0131n\u0131z ve bir arkada\u015f\u0131n\u0131z geldi, tahsil edemedi\u011fi alacaklar\u0131 size satmak istedi. \u00dcstelik son derece cazip ko\u015fullarda\u2026 Bu takibe d\u00fc\u015fm\u00fc\u015f bor\u00e7lar\u0131 sat\u0131n al\u0131r m\u0131s\u0131n\u0131z? Peki ald\u0131n\u0131z&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-24913","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\/24913","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=24913"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/24913\/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=24913"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=24913"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=24913"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}