{"id":25242,"date":"2013-05-30T12:13:21","date_gmt":"2013-05-30T10:13:21","guid":{"rendered":"http:\/\/www.bilgeyatirimci.com\/?p=25242"},"modified":"2013-05-30T12:13:21","modified_gmt":"2013-05-30T10:13:21","slug":"bireysel-kredi-talebi-artiyor","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/bireysel-kredi-talebi-artiyor\/","title":{"rendered":"Bireysel Kredi Talebi Art\u0131yor"},"content":{"rendered":"<p>Merkez Bankas\u0131, 30 May\u0131s 2013 tarihli\u00a0Finansal \u0130stikrar Raporu\u2019nda, geli\u015fmi\u015f \u00fclke para politikalar\u0131 ile tarihi d\u00fc\u015f\u00fck faiz seviyelerinin uluslararas\u0131 yat\u0131r\u0131mc\u0131lar\u0131 getiri aray\u0131\u015f\u0131na y\u00f6nlendirmesi ve devam eden belirsizlikler nedeniyle risk i\u015ftah\u0131n\u0131n istikrars\u0131z bir seyir izlemesinin, 2012 y\u0131l\u0131n\u0131n ikinci yar\u0131s\u0131ndan itibaren geli\u015fmekte olan \u00fclkelere y\u00f6nelik sermaye ak\u0131mlar\u0131n\u0131n yeniden h\u0131z kazanmas\u0131na ve oynakl\u0131\u011f\u0131n\u0131n artmas\u0131na neden oldu\u011funu kaydetti.<\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-1861807122\"><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>Merkez Bankas\u0131, raporda,\u00a0 geli\u015fmekte olan \u00fclke otoriteleri makro ihtiyati politikalar\u0131 uygulamaya koyarak s\u00f6z konusu oynakl\u0131\u011f\u0131n i\u00e7 ve d\u0131\u015f denge \u00fczerinde yaratt\u0131\u011f\u0131 bask\u0131y\u0131 gidermek y\u00f6n\u00fcnde politikalar izlemekte oldu\u011funu ve \u00fclkemizde de geli\u015ftirilen yeni politika ara\u00e7lar\u0131n\u0131n etkili bir \u015fekilde devreye al\u0131nmas\u0131n\u0131n arzu edilen y\u00f6ndeki sonu\u00e7lar\u0131n\u0131 g\u00f6stermeye ba\u015flad\u0131\u011f\u0131n\u0131 ifade etti.<\/p>\n<p><strong>Esnek para politikas\u0131 uygulamas\u0131 s\u00fcrd\u00fcr\u00fclmekte<\/strong><\/p>\n<p>Raporda,\u00a0Merkez Bankas\u0131, &#8220;Bankam\u0131z, devam eden k\u00fcresel belirsizliklerin sebep oldu\u011fu makro finansal riskleri de g\u00f6zeterek esnek para politikas\u0131 uygulamalar\u0131n\u0131 s\u00fcrd\u00fcrmekte, bu do\u011frultuda fiyat istikrar\u0131n\u0131n sa\u011flanmas\u0131 ve finansal istikrara katk\u0131da bulunmas\u0131 temel g\u00f6revleri \u00e7er\u00e7evesinde yap\u0131sal ve d\u00f6ng\u00fcsel ara\u00e7lar kullanmaktad\u0131r&#8221; \u015feklinde g\u00f6r\u00fc\u015f bildirdi.<\/p>\n<p>Banka, sermaye ak\u0131mlar\u0131n\u0131n g\u00fc\u00e7l\u00fc seyretmesinin etkisiyle finansal istikrara dair riskleri dengelemek amac\u0131yla bir yandan k\u0131sa vadeli faiz oranlar\u0131 d\u00fc\u015f\u00fcr\u00fcl\u00fcrken, di\u011fer yandan rezerv art\u0131r\u0131c\u0131 makro ihtiyati tedbirler etkin olarak kullan\u0131ld\u0131\u011f\u0131n\u0131 belirtti.<\/p>\n<p><strong>KMH\u00a0faizlerine \u00fcst s\u0131n\u0131r getirildi<\/strong><\/p>\n<p>Otomatik dengeleyici bir ara\u00e7 olarak\u00a0rezerv opsiyonu mekanizmas\u0131n\u0131n (ROM) daha etkin bir \u015fekilde devreye girmesinin d\u00f6viz kuru oynakl\u0131\u011f\u0131n\u0131 s\u0131n\u0131rlamak i\u00e7in geni\u015f faiz koridoruna olan ihtiyac\u0131 azaltt\u0131\u011f\u0131na dikkat \u00e7eken\u00a0Merkez Bankas\u0131, kredi kartlar\u0131 ile benzerlik ta\u015f\u0131yan ve bankac\u0131l\u0131k sistemimizdeki hacmi yak\u0131n zamanda art\u0131\u015f g\u00f6steren kredili mevduat hesaplar\u0131na (KMH) uygulanan faiz oranlar\u0131n\u0131n olduk\u00e7a y\u00fcksek d\u00fczeylerde ger\u00e7ekle\u015fti\u011fini belirtti ve finansal istikrar\u0131n korunmas\u0131 ve parasal aktar\u0131m mekanizmas\u0131n\u0131n daha da g\u00fc\u00e7lendirilmesi ama\u00e7lar\u0131yla\u00a0KMH\u00a0faiz oranlar\u0131 i\u00e7in bir \u00fcst s\u0131n\u0131r belirlendi\u011fini ifade etti.<\/p>\n<p><strong>Kredi b\u00fcy\u00fcmesi referans de\u011ferin \u00fczerinde seyretti<\/strong><\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-1951504356\"><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>Merkez Bankas\u0131, raporda, &#8221; G\u00fc\u00e7l\u00fc sermaye giri\u015fi ortam\u0131nda kredi b\u00fcy\u00fcmesinin referans de\u011ferin \u00fczerinde seyretmesi nedeniyle 2013 y\u0131l\u0131n\u0131n ba\u015f\u0131nda likidite politikas\u0131 normalle\u015ftirilirken,\u00a0rezerv opsiyon\u00a0katsay\u0131lar\u0131 ve zorunlu kar\u015f\u0131l\u0131k oranlar\u0131nda art\u0131\u015fa gidilmi\u015ftir&#8221; \u015feklinde de\u011ferlendirmede bulundu.<\/p>\n<p>\u0130hracat reeskont kredilerinin te\u015fvik edilmesi amac\u0131yla limitlerin art\u0131r\u0131lmas\u0131, kredi kullan\u0131m\u0131na kolayl\u0131klar getirilmesi,\u00a0 zorunlu kar\u015f\u0131l\u0131k oranlar\u0131n\u0131n art\u0131r\u0131lmas\u0131 ve\u00a0ROM\u2019un aktif kullan\u0131m\u0131yla Banka&#8217;n\u0131n rezervlerinin artmaya devam etti\u011fini belirten\u00a0Merkez Bankas\u0131, bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn y\u00fck\u00fcml\u00fcl\u00fcklerinin vadesinin uzat\u0131lmas\u0131 ve dolay\u0131s\u0131yla finansal istikrar\u0131n desteklenmesi amac\u0131yla, T\u00fcrk liras\u0131 ve yabanc\u0131 para zorunlu kar\u015f\u0131l\u0131k oranlar\u0131n\u0131n uzun vadeli y\u00fck\u00fcml\u00fcl\u00fckleri destekleyecek \u015fekilde yeniden belirlendi\u011fini ve ilgili otoritelerce vadenin uzat\u0131lmas\u0131na ili\u015fkin yap\u0131lan t\u00fcm d\u00fczenlemelerin etkisinin kademeli olarak g\u00f6r\u00fclmesinin beklendi\u011fini vurgulad\u0131.<\/p>\n<p>2012 y\u0131l\u0131nda finansal istikrar a\u00e7\u0131s\u0131ndan makul seviyelere \u00e7ekilmi\u015f olan kredi art\u0131\u015f\u0131n\u0131n, 2012 y\u0131l\u0131n\u0131n son \u00e7eyre\u011finden bu yana a\u011f\u0131rl\u0131kl\u0131 olarak bireysel kredilerden \u00f6zellikle de konut kredilerinden kaynaklanmak \u00fczere ivmelenerek referans seviyesinin \u00fczerinde ger\u00e7ekle\u015fmekte oldu\u011fu uyar\u0131s\u0131nda bulunan\u00a0Merkez Bankas\u0131, bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn g\u00fc\u00e7l\u00fc likidite oranlar\u0131 ve sermaye yap\u0131s\u0131 ile b\u00fcy\u00fcmesini s\u00fcrd\u00fcr\u00fcrken aktif kalitesini korumay\u0131 da ba\u015fard\u0131\u011f\u0131n\u0131 ve sekt\u00f6r i\u00e7in tahsili gecikmi\u015f alacaklara d\u00f6n\u00fc\u015f\u00fcm oranlar\u0131n\u0131n d\u00fc\u015f\u00fck seviyelerde yatay bir seyir izlemekte oldu\u011funu belirtti.<\/p>\n<p>Merkez Bankas\u0131, aktif kalitesine y\u00f6nelik kayda de\u011fer bir kayg\u0131 bulunmamakla birlikte, ekonomik konjonkt\u00fcr\u00fcn olumlu seyretti\u011fi ve bankalar\u0131n k\u00e2rl\u0131l\u0131klar\u0131n\u0131n g\u00fc\u00e7l\u00fc oldu\u011fu d\u00f6nemlerde tahsili gecikmi\u015f alacaklar i\u00e7in yasal zorunlulu\u011fun daha \u00fczerinde kar\u015f\u0131l\u0131k ay\u0131rmalar\u0131n\u0131n ihtiyatl\u0131 bir davran\u0131\u015f olaca\u011f\u0131 de\u011ferlendirmesinde bulundu.<\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-126880148\"><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><strong>-Bireysel\u00a0kredi talebi\u00a0artmakta-<\/strong><\/p>\n<p>Finansal istikrar a\u00e7\u0131s\u0131ndan reel sekt\u00f6r\u00fcn bor\u00e7lulu\u011fu ve yabanc\u0131 para net a\u00e7\u0131k pozisyonunun yak\u0131ndan takip edilmekte oldu\u011funu. ve yurt d\u0131\u015f\u0131ndan temin edilen kredilerin b\u00fcy\u00fck b\u00f6l\u00fcm\u00fcn\u00fcn uzun vadeli olmas\u0131 ve bu kaynaklar\u0131n hem nitelik hem de b\u00f6lgesel da\u011f\u0131l\u0131m y\u00f6nlerinden \u00e7e\u015fitlilik g\u00f6stermesinin reel sekt\u00f6r\u00fcn bor\u00e7lulu\u011funa dair riskleri s\u0131n\u0131rlamakta oldu\u011funu belirten Merkez Bankas\u0131, &#8220;Faiz oranlar\u0131n\u0131n gerilemesine paralel olarak bireysel\u00a0kredi talebi\u00a0yak\u0131n d\u00f6nemde artmaktad\u0131r. Faiz oranlar\u0131ndaki d\u00fc\u015f\u00fc\u015f hane halk\u0131n\u0131n faiz giderlerini a\u015fa\u011f\u0131 \u00e7ekerken, refinansman imkanlar\u0131n\u0131 da art\u0131rmaktad\u0131r&#8221; \u015feklinde de\u011ferlendirmede bulundu.<\/p>\n<p>Merkez Bankas\u0131 raporda, &#8220;Kredi kullan\u0131m\u0131na ba\u011fl\u0131 olarak hanehalk\u0131n\u0131n hem faiz \u00f6demeleri hem de toplam y\u00fck\u00fcml\u00fcl\u00fckleri artmakla birlikte GSY\u0130H ve harcanabilir gelire oranla hanehalk\u0131 bor\u00e7lulu\u011fu di\u011fer \u00fclkelere k\u0131yasla halen d\u00fc\u015f\u00fck seviyesini korumakta ve \u00f6nceden yap\u0131lan d\u00fczenlemelerin de etkisiyle faiz ve kur riski ta\u015f\u0131nmamaktad\u0131r&#8221; dedi.<\/p>\n<p>Tasarruflar\u0131n yat\u0131r\u0131m, b\u00fcy\u00fcme ve finansal istikrar \u00fczerindeki olumlu etkileri g\u00f6z \u00f6n\u00fcne al\u0131narak, \u00f6zellikle bireysel emeklilik sisteminde at\u0131lan ad\u0131mlar\u0131n olumlu etkileri g\u00f6r\u00fclmeye ba\u015fland\u0131\u011f\u0131na dikkat \u00e7eken Merkez Bankas\u0131, &#8220;Bankam\u0131z taraf\u0131ndan \u00f6demeler alan\u0131ndaki yasal altyap\u0131n\u0131n g\u00fc\u00e7lendirilmesine y\u00f6nelik bir kanun tasla\u011f\u0131 haz\u0131rlanm\u0131\u015f olup, bu taslak ile \u00f6deme ve menkul k\u0131ymet mutabakat sistemleri, \u00f6deme hizmetleri ve elektronik para kurulu\u015flar\u0131 ile ilgili en iyi \u00f6rnekleri ve \u00fclke ihtiya\u00e7lar\u0131n\u0131 dikkate alan bir mevzuat \u00e7er\u00e7evesinin olu\u015fturulmas\u0131 hedeflenmi\u015ftir. &#8221; a\u00e7\u0131klamas\u0131nda bulundu.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Merkez Bankas\u0131, 30 May\u0131s 2013 tarihli\u00a0Finansal \u0130stikrar Raporu\u2019nda, geli\u015fmi\u015f \u00fclke para politikalar\u0131 ile tarihi d\u00fc\u015f\u00fck faiz seviyelerinin uluslararas\u0131 yat\u0131r\u0131mc\u0131lar\u0131 getiri aray\u0131\u015f\u0131na y\u00f6nlendirmesi ve devam eden&hellip;<\/p>\n","protected":false},"author":2,"featured_media":1923,"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-25242","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\/25242","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\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/comments?post=25242"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/25242\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media\/1923"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=25242"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=25242"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=25242"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}