{"id":33829,"date":"2014-05-29T23:02:49","date_gmt":"2014-05-29T20:02:49","guid":{"rendered":"http:\/\/www.bilgeyatirimci.com\/?p=33829"},"modified":"2014-05-30T08:49:57","modified_gmt":"2014-05-30T05:49:57","slug":"vatandasi-kim-kurtaracak","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/vatandasi-kim-kurtaracak\/","title":{"rendered":"\u00c7etin \u00dcnsalan &#8211; Vatanda\u015f\u0131 kim kurtaracak?"},"content":{"rendered":"<p><em><strong>T\u00fcrkiye\u2019de bir lobi tart\u0131\u015fmas\u0131 yap\u0131l\u0131yor ya, bu konuda samimiyetsizlik art\u0131k \u015fahikaya \u00e7\u0131kt\u0131. Bu \u00fclkede vesayeti tart\u0131\u015fanlar, meydanlarda, k\u00fcrs\u00fclerde, ekranlarda bankalara caka satarken, arka sokakta vatanda\u015f\u0131 bankalara kurban ettiler.<\/strong><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2014662471\"><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; BDDK ve T\u00fcrkiye Bankalar Birli\u011fi\u2019nin T\u00fcrkiye\u2019deki bankalara ili\u015fkin a\u00e7\u0131klad\u0131klar\u0131 tespitlerde \u00e7ok \u00f6nemli detaylar var. \u00a0Ba\u015fbakan Yard\u0131mc\u0131s\u0131 Ali Babacan \u00f6ncelikle bankalarla ilgili pop\u00fclist yakla\u015f\u0131mdan uzak durulmas\u0131n\u0131 s\u00f6yleyerek siyasi bir mesaj verdi.<\/p>\n<p>Gelelim \u00fc\u00e7 kurumun reklamlardan s\u0131yr\u0131lm\u0131\u015f a\u00e7\u0131klamalar\u0131na\u2026 Merkez Bankas\u0131 FED\u2019in politikalar\u0131n\u0131n sermaye ak\u0131mlar\u0131n\u0131 olumsuz etkiledi\u011fi s\u00f6yledi. 2013 sonundan itibaren likidite yava\u015flamas\u0131n\u0131n da kredileri yava\u015flatt\u0131\u011f\u0131na dikkat \u00e7ekti. Sonu\u00e7: Dalgalanma banka k\u00e2rl\u0131l\u0131\u011f\u0131n\u0131 ve \u00f6zkaynaklar\u0131 olumsuz etkiledi.<\/p>\n<p>T\u00fcrkiye Bankalar Birli\u011fi ise bankalar\u0131n \u00e7ok kazand\u0131\u011f\u0131 vurgusunun do\u011fru olmad\u0131\u011f\u0131n\u0131 ve \u00f6zkaynaklar\u0131n\u0131n erime e\u011filiminde oldu\u011funu a\u00e7\u0131klad\u0131. Ve elbette BDDK\u2019n\u0131n a\u00e7\u0131klamalar\u0131\u2026<\/p>\n<p>Bireysel kredilerdeki azalmayla toplam kredilerin 2013 y\u0131l\u0131n\u0131n alt\u0131nda kalaca\u011f\u0131 \u00f6ng\u00f6r\u00fcs\u00fc ortaya konuldu. 2014 senesinin ilk \u00e7eyre\u011findeki k\u00e2r azalmas\u0131 da konjonkt\u00fcrel olarak nitelendirildi.<\/p>\n<p>Yabanc\u0131 para mevduat\u0131 y\u00fczde 7,3 artarken, TL mevduatlar\u0131n azald\u0131\u011f\u0131n\u0131 ifade edildi. Ama sonu\u00e7ta da 2014 sonunda bankac\u0131l\u0131\u011f\u0131n 2013 y\u0131l\u0131ndaki k\u00e2rl\u0131l\u0131\u011f\u0131 yakalayaca\u011f\u0131 s\u00f6ylendi. Asl\u0131nda t\u00fcm bunlar\u0131 alt alta koydu\u011funuzda bankac\u0131l\u0131k \u00fczerinden durumun \u00e7ok parlak olmad\u0131\u011f\u0131 g\u00f6r\u00fcl\u00fcyor.<\/p>\n<p>Peki her \u015feye ra\u011fmen ayn\u0131 k\u00e2rl\u0131l\u0131k nas\u0131l yakalanacak? \u0130\u015fte samimiyetsizlik ve vatanda\u015f\u0131 bankac\u0131lara kurban etme burada ba\u015fl\u0131yor. 28 May\u0131s 2014 itibariyle y\u00fcr\u00fcrl\u00fc\u011f\u00fc giren yeni T\u00fcketici Kanunu\u2019nda bankalar\u0131n, bankac\u0131l\u0131k faaliyeti d\u0131\u015f\u0131ndaki tahsil\u00e2tlar\u0131n\u0131 yasalla\u015ft\u0131rd\u0131.<\/p>\n<p>Daha \u00f6nemlisi bug\u00fcne kadar t\u00fcketici yehinde t\u00fcm kazan\u0131lm\u0131\u015f davalar\u0131 anlams\u0131z k\u0131ld\u0131. Peki bankalar\u0131n k\u00e2rl\u0131l\u0131\u011f\u0131n\u0131 y\u00fczde 65 oran\u0131nda dosya masraf\u0131, aidat gibi kalemlerde elde etti\u011fi ger\u00e7e\u011fi de ortada iken, a\u00e7\u0131klamalar ve raporlar da bunu kan\u0131tlarken bu foto\u011fraf nas\u0131l okunur?<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-1394417790\"><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>Kredi hacmi daralan ve bankac\u0131l\u0131k faaliyetiyle k\u00e2rl\u0131l\u0131\u011f\u0131n\u0131 yakalayamayacak olan bankalara, \u2018git vatanda\u015ftan ne al\u0131rsan al, ayn\u0131 k\u00e2r\u0131 yakala\u2019 deniliyor. Yani s\u0131rf k\u00e2rl\u0131l\u0131k u\u011fruna vatanda\u015f bankalar\u0131n \u00f6n\u00fcne at\u0131l\u0131yor.<\/p>\n<p>Niye? E\u011fer a\u011f\u0131rl\u0131\u011f\u0131 yabanc\u0131lar\u0131n eline ge\u00e7mi\u015f bir borsada, ilk 10 hisse \u00fczerinden i\u015flem yap\u0131l\u0131yor, bunun da a\u011f\u0131rl\u0131\u011f\u0131n\u0131 bankalar olu\u015fturuyorsa, \u00fclkeyi y\u00f6netenler de ekonomiden finans piyasalar\u0131n\u0131 anl\u0131yor, onlar\u0131 kurtarmak i\u00e7in her \u015feyi yap\u0131yorsa \u015fa\u015f\u0131racak bir durum da yok. \u0130ktidar ve ekonomi y\u00f6netimi vatanda\u015f\u0131 bankac\u0131lara kurban veriyor. Peki vatanda\u015f\u0131 kim kurtaracak? Yan\u0131t\u0131 \u015fu soruda gizli: Sizce kimsenin kurtarmaya niyeti var m\u0131?<\/p>\n<p><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>T\u00fcrkiye\u2019de bir lobi tart\u0131\u015fmas\u0131 yap\u0131l\u0131yor ya, bu konuda samimiyetsizlik art\u0131k \u015fahikaya \u00e7\u0131kt\u0131. Bu \u00fclkede vesayeti tart\u0131\u015fanlar, meydanlarda, k\u00fcrs\u00fclerde, ekranlarda bankalara caka satarken, arka sokakta vatanda\u015f\u0131&hellip;<\/p>\n","protected":false},"author":5,"featured_media":0,"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-33829","post","type-post","status-publish","format-standard","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\/33829","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=33829"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/33829\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=33829"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=33829"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=33829"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}