{"id":27257,"date":"2013-08-19T22:55:47","date_gmt":"2013-08-19T20:55:47","guid":{"rendered":"http:\/\/www.bilgeyatirimci.com\/?p=27257"},"modified":"2013-08-19T22:56:01","modified_gmt":"2013-08-19T20:56:01","slug":"kredi-karti-operasyonu","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/kredi-karti-operasyonu\/","title":{"rendered":"Kredi Kart\u0131 Operasyonu"},"content":{"rendered":"<p>BDDK yay\u0131mlad\u0131\u011f\u0131 \u00fc\u00e7 taslak tebli\u011f ile kredi kart\u0131nda, bilhassa limit konusunda ad\u0131m atmaya niyetleniyor. Dikkatinizi \u00e7ekerim, sadece niyetleniyor. Ne zaman? T\u00fcketicinin bankalara olan borcu 245 milyar TL\u2019yi a\u015f\u0131nca\u2026<\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3104663703\"><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>Peki bunun i\u00e7inde kredi kart\u0131n\u0131n durumu ne? Yakla\u015f\u0131k 65 milyar TL. 3 A\u011fustos\u2019u baz ald\u0131\u011f\u0131n\u0131zda ge\u00e7en y\u0131l\u0131n sonuna oranla y\u00fczde 27,7\u2019lik bir art\u0131\u015f ortaya \u00e7\u0131k\u0131yor.\u00a0 Yani art\u0131\u015f h\u0131z\u0131 t\u00fcketicilerin bankalara olan toplam borcunun y\u00fczdesel olarak iki kat\u0131n\u0131 a\u015f\u0131yor.<\/p>\n<p>Ne yapacak bu taslak tebli\u011fler hayata ge\u00e7erse bankalar? Herkesten gelirini belgelemesini isteyecek. Belgelemeyen ya da geliri zaten 1000 TL\u2019nin alt\u0131nda olana sadece ve sadece 1000 TL limit tan\u0131yacak.<\/p>\n<p>Ne ilgin\u00e7tir ki t\u00fcm bunlar tatl\u0131 paran\u0131n kesildi\u011fi, 2 A\u011fustos itibariyle toplam kredi hacmindeki y\u00fckseli\u015fin gerilemeye girdi\u011fi bir s\u00fcre\u00e7te ortaya \u00e7\u0131k\u0131yor. Peki bunun bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn k\u00e2r\u0131na etkisi ne olacak?<\/p>\n<p>Bankac\u0131lar\u0131n yapt\u0131\u011f\u0131 hesaplamaya g\u00f6re 2013 k\u00e2r\u0131n\u0131n sadece y\u00fczde 1,5\u2019u kay\u0131p. Bunu da farkl\u0131 noktalardan \u00e7\u0131karacaklar\u0131na emin olabilirsiniz. Ama prensip olarak desteklesem de, b\u00f6ylesi bir uygulaman\u0131n konu\u015fulmas\u0131 gereken ba\u015fka yanlar\u0131 var.<\/p>\n<p>Kredi kartlar\u0131nda bu denli farkl\u0131 yap\u0131lanmalarla desteklenmeyen sert bir fren, bor\u00e7la d\u00f6nen t\u00fcketicinin iflas\u0131na kadar gidecek ve ekonomik buhran\u0131n \u015fiddetini artt\u0131racak bir s\u00fcrecin \u00f6n\u00fcn\u00fc a\u00e7ar. Ayr\u0131ca b\u00f6ylesi bir tebli\u011f hayata ge\u00e7ecekse, zaten kanunlar gere\u011fi, insanlara gelirinin \u00fczerinde kredi vermemesi gereken bankalar\u0131n durumu ne olacak?<\/p>\n<p>Ayr\u0131ca anlayamad\u0131\u011f\u0131m bir detay daha var. Gelirini belgeleyemeyene hangi kritere uygun olarak 1000 TL\u2019lik kredilendirme sa\u011flanacak? Yani neresinden bakarsan\u0131z bak\u0131n, samimiyetsiz, i\u015fi vatanda\u015f\u0131n s\u0131rt\u0131na y\u0131kan, ortaya \u00e7\u0131kan zarar\u0131n ba\u015fka yollarla telafisine olanak sa\u011flayan, kredilerde frene bas\u0131lan d\u00f6nem geldi\u011finde de, \u2018Biz uyarm\u0131\u015ft\u0131k\u2019 denilip, i\u015fin i\u00e7inden \u00e7\u0131kmay\u0131 sa\u011flayacak bir hamleden bahsediyoruz.<\/p>\n<p>Oysa vatanda\u015f\u0131n bu denli borca batmas\u0131, bu iktidar\u0131n ekonomi politikas\u0131n\u0131n bir sonucudur. \u0130nsanlar t\u00fcketim ekonomisine y\u00f6nlendirilip, harcama yapmas\u0131 te\u015fvik edilirken, bankalara da dikensiz g\u00fcl bah\u00e7esi sunuldu.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2069504076\"><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>\u015eimdi i\u015fler terse d\u00f6n\u00fcnce masumlar\u0131 oynuyorlar. Patlarsa bankac\u0131l\u0131ktan bilecekler, patlamazsa bor\u00e7 sizin olacak. 10 y\u0131ll\u0131k sahte r\u00fcyan\u0131n yazar\u0131 belki yurtd\u0131\u015f\u0131nda ama, onun finanse etti\u011fi siyasi uygulay\u0131c\u0131s\u0131 tam kar\u015f\u0131n\u0131zda ve bir manevrayla bu kaosta su\u00e7u \u00fczerinden atmaya ve s\u0131yr\u0131lmaya u\u011fra\u015f\u0131yor.<\/p>\n<p>Laf\u0131 eveleyip gevelemeden d\u00fcz s\u00f6yleyece\u011fim. Ey Vatanda\u015f! Bu iktidar yine seni kand\u0131rmaya \u00e7al\u0131\u015f\u0131yor. Bor\u00e7 senin olabilir, ama Nasrettin Hoca\u2019n\u0131n dedi\u011fi gibi \u2018H\u0131rs\u0131z\u0131n hi\u00e7 mi su\u00e7u yok\u2019. Kanmay\u0131n, kesin cezalar\u0131n\u0131\u2026<\/p>\n<p>Size, bize, yani hepimize gelince: har\u00e7 bitti yap\u0131 paydos. 10 y\u0131ll\u0131k \u2018ba\u015far\u0131\u2019 palavras\u0131yla g\u00f6rd\u00fc\u011f\u00fcm\u00fcz r\u00fcyan\u0131n faturas\u0131n\u0131 \u00f6demeye haz\u0131r olun. Ka\u00e7\u0131\u015f yok.<\/p>\n<p><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3385075136\"><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","protected":false},"excerpt":{"rendered":"<p>BDDK yay\u0131mlad\u0131\u011f\u0131 \u00fc\u00e7 taslak tebli\u011f ile kredi kart\u0131nda, bilhassa limit konusunda ad\u0131m atmaya niyetleniyor. Dikkatinizi \u00e7ekerim, sadece niyetleniyor. Ne zaman? T\u00fcketicinin bankalara olan borcu 245&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-27257","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\/27257","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=27257"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/27257\/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=27257"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=27257"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=27257"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}