{"id":30460,"date":"2014-01-23T00:19:03","date_gmt":"2014-01-22T22:19:03","guid":{"rendered":"http:\/\/www.bilgeyatirimci.com\/?p=30460"},"modified":"2014-01-23T02:09:21","modified_gmt":"2014-01-23T00:09:21","slug":"tefeci-tehlikesi-yaklasiyor","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/tefeci-tehlikesi-yaklasiyor\/","title":{"rendered":"\u00c7etin \u00dcnsalan &#8211; Tefeci tehlikesi yakla\u015f\u0131yor"},"content":{"rendered":"<p><strong><em><span style=\"line-height: 1.5em;\">BDDK y\u0131llar i\u00e7erisinde uygulanan ekonomi modelinin bir sonucu olan kredi kart\u0131\u00a0 bata\u011f\u0131na \u00f6nlem i\u00e7in \u00a0\u00f6ng\u00f6rd\u00fc\u011f\u00fc uygulamaya ba\u015fl\u0131yor. Kredilerde, taksitlerde, al\u0131\u015fveri\u015fte ve kredi kartlar\u0131nda k\u0131s\u0131tlaman\u0131n s\u00f6z konusu olaca\u011f\u0131 1 \u015eubat tarihi yakla\u015ft\u0131k\u00e7a da organize i\u015fler devreye giriyor.<\/span>\u00a0<\/em><\/strong><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-1590119331\"><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>Daha \u00f6nce asgari \u00f6deme tutar\u0131 \u00fczerinden devreye sokulan uygulaman\u0131n ikinci ad\u0131m\u0131 ile, olas\u0131 bataklar\u0131n \u00f6n\u00fcne ge\u00e7ilmeye \u00e7al\u0131\u015f\u0131l\u0131yor. Fakat burada da kredilendirmede gelir\/limit oran\u0131 banka baz\u0131nda yap\u0131ld\u0131\u011f\u0131 i\u00e7in sonu\u00e7 al\u0131nmas\u0131 zor.<\/p>\n<p>B\u00f6yle bir uygulamaya ihtiya\u00e7 var m\u0131yd\u0131? Kesinlikle evet\u2026 Bunun i\u00e7in bir kanuni d\u00fczenleme gerekiyor muydu? Kesinlikle hay\u0131r\u2026 Zaten mevcut yasalar \u00e7er\u00e7evesinde yap\u0131lmas\u0131 gerekip de, uyulmayan normlara g\u00f6z yumuldu\u011fu i\u00e7in bu noktaya geldik.<\/p>\n<p>Bankalar bu sayede y\u00fcksek k\u00e2rlar elde etti; iktidar da vatanda\u015f\u0131n iflas\u0131n\u0131 \u00f6teleyerek bor\u00e7land\u0131rma pahas\u0131na gizli iflas stat\u00fcs\u00fcnde tutmay\u0131 sa\u011flad\u0131. Aba alt\u0131ndan sopa g\u00f6stererek de se\u00e7imler kazand\u0131.<\/p>\n<p>Fakat son bir ka\u00e7 y\u0131ld\u0131r deniz bitti\u2026 Art\u0131k \u00f6demelerdeki bataklar, g\u00fcncel bir hal almaya ba\u015flad\u0131. Bu nedenle de \u2018sahte al\u0131\u015fveri\u015f\u2019 kavram\u0131 \u00fczerinden bir tak\u0131m esnaf, kredi kart\u0131 kapatma i\u015fini giri\u015fti.<\/p>\n<p>\u0130\u015fin yasal bir zemini olmad\u0131\u011f\u0131ndan, uygulama da tam bir h\u00fclle oldu\u011fundan \u00f6nlem al\u0131nd\u0131. Bunu yapanlara da tefeci dendi. Ald\u0131klar\u0131 faiz oran\u0131, bankalar\u0131nkinin yar\u0131s\u0131 iken\u2026 Art\u0131k buradan sonra bankalara ne demek gerekti\u011fini takdirlerinize b\u0131rak\u0131yorum.<\/p>\n<p>\u015eimdi 1 \u015eubat ile yeni bir noktaya geliniyor. Bundan b\u00f6yle al\u0131\u015fveri\u015ften kredilendirmeye ko\u015fullar, yasalar \u00e7er\u00e7evesine oturtuluyor. Ama ortada bir sorun var. Y\u0131llarca bunu ekonomi modeli olarak uygulay\u0131p, bankalar\u0131n fahi\u015f k\u00e2rlar\u0131na da g\u00f6z yuman bir zihniyet ile kar\u015f\u0131 kar\u015f\u0131yay\u0131z. Bu kesim de iktidar, BDDK ve bankalar \u00fc\u00e7geninden olu\u015fuyor.<\/p>\n<p>\u015eimdi sert bir frene bas\u0131l\u0131yor ve iflas riski, risk olmaktan \u00e7\u0131k\u0131p, ger\u00e7e\u011fe d\u00f6n\u00fc\u015fme a\u015famas\u0131na geliyor. Bunu f\u0131rsat bilen baz\u0131 uyan\u0131klar ata\u011fa kalkt\u0131. \u00c7ok say\u0131da ki\u015finin cep telefonlar\u0131na, elektronik postalar\u0131na mesajlar geliyor. \u0130\u00e7erik \u015fu:<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-998118376\"><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>\u201cSon g\u00fcn 1 \u015eubat. Yeni yasa \u00f6ncesi kredi kart\u0131 bor\u00e7lar\u0131n\u0131z\u0131 12 taksit ve 3 ay erteleme avataj\u0131 ile yap\u0131land\u0131rmak i\u00e7in hemen \u015fu numaray\u0131 aray\u0131n.\u201d Bu iletilerin sahipleri i\u00e7inde doland\u0131r\u0131c\u0131lar da olabilir. Muhtemelen tefeciler de a\u011f\u0131rl\u0131kl\u0131 bir paya sahip.<\/p>\n<p>\u015eimdi yan\u0131t bekleyen sorular \u015funlar: Bu insanlar kim? Hangi yetkiye dayanarak bunu yap\u0131yorlar? Nas\u0131l bu kadar aleni duyuruda bulunabiliyorlar? Buradan al\u0131nacak kredilerde daha b\u00fcy\u00fck bor\u00e7lar, felaketler ve belki de cinayetler ne oranda risk?<\/p>\n<p>Yok bunlar\u0131n hi\u00e7biri de\u011filse ve bu denli pervas\u0131zca teklif sunabiliyorlarsa, bir se\u00e7enek daha kal\u0131yor: Bunlar varl\u0131k y\u00f6netim \u015firketleri mi? Vatanda\u015fa nas\u0131l bir felaket haz\u0131rl\u0131yorsunuz? Yan\u0131t verin.<\/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-1330007949\"><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 y\u0131llar i\u00e7erisinde uygulanan ekonomi modelinin bir sonucu olan kredi kart\u0131\u00a0 bata\u011f\u0131na \u00f6nlem i\u00e7in \u00a0\u00f6ng\u00f6rd\u00fc\u011f\u00fc uygulamaya ba\u015fl\u0131yor. Kredilerde, taksitlerde, al\u0131\u015fveri\u015fte ve kredi kartlar\u0131nda k\u0131s\u0131tlaman\u0131n s\u00f6z&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":[904,808,801],"class_list":["post-30460","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tumyazilar","tag-cetin-unsalan-yazilari","tag-ekonomi-makaleleri","tag-ekonomi-yazarlari-listesi"],"_links":{"self":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/30460","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=30460"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/30460\/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=30460"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=30460"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=30460"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}