{"id":35978,"date":"2014-09-23T23:07:55","date_gmt":"2014-09-23T20:07:55","guid":{"rendered":"http:\/\/www.bilgeyatirimci.com\/?p=35978"},"modified":"2014-09-23T23:31:29","modified_gmt":"2014-09-23T20:31:29","slug":"piyasa-limitli-cek-istiyor","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/piyasa-limitli-cek-istiyor\/","title":{"rendered":"\u00c7etin \u00dcnsalan &#8211; Piyasa limitli \u00e7ek istiyor"},"content":{"rendered":"<p><em><strong>Reel piyasalar\u0131n bug\u00fcn en b\u00fcy\u00fck sorunu haline gelen tahsil\u00e2t problemi, \u00e7ek yasas\u0131ndaki hapis cezas\u0131n\u0131n kald\u0131r\u0131lmas\u0131yla birlikte daha da i\u00e7inde \u00e7\u0131k\u0131lmaz noktaya geldi. \u015e\u00fcphesiz i\u015flerin bozulmas\u0131ndan dolay\u0131 bu konuda k\u00f6t\u00fc niyet olmadan ma\u011fdur duruma d\u00fc\u015fenler oldu\u011fu kadar, istismar edenler de var.<\/strong><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-421951319\"><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>Elbette \u00e7ek, bir nakit \u00f6deme arac\u0131d\u0131r. Ama T\u00fcrkiye\u2019de kullan\u0131l\u0131\u015f bi\u00e7imine bak\u0131ld\u0131\u011f\u0131nda vadeli mal sat\u0131\u015f arac\u0131 olarak i\u015flem g\u00f6r\u00fcyor. Ne yaz\u0131k ki piyasalar\u0131n daralmas\u0131yla birlikte de kar\u015f\u0131l\u0131ks\u0131z \u00e7ek say\u0131s\u0131, rakamlara yans\u0131mayacak bir bi\u00e7imde, piyasan\u0131n kendi i\u00e7indeki de\u011fi\u015f toku\u015flar\u0131yla tavan yap\u0131yor.<\/p>\n<p>Bu i\u015fi piyasan\u0131n insaf\u0131na b\u0131rak\u0131r ve ki\u015filerin inisiyatifi \u00f6l\u00e7\u00fcs\u00fcnde \u00e7ek sistemine izin verirseniz, gelinen nokta ortada. Ge\u00e7ti\u011fimiz g\u00fcnlerde, yay\u0131nlanan bir ara\u015ft\u0131rmay\u0131 payla\u015fm\u0131\u015ft\u0131m. Y\u0131ll\u0131k 400 milyar TL, yani y\u0131ll\u0131k 200 milyar dolarl\u0131k \u00e7ek i\u015flem g\u00f6r\u00fcyor. 2014 senesi itibariyle kar\u015f\u0131l\u0131ks\u0131z oran\u0131n\u0131n da de\u011fer baz\u0131nda 16 milyar TL\u2019ye, yani 8 milyar dolara ula\u015fmas\u0131 bekleniyor. Temmuz 2014 itibariyle rakam 11 milyar TL.<\/p>\n<p>Bu konuyla ilgili konu\u015ftu\u011fum esnaf, hep ayn\u0131 dertten muzdarip. Ama i\u00e7lerinden bir esnaf\u0131n tespiti, sorunun tarifi ve \u00e7\u00f6z\u00fcm\u00fc \u00e7ok ak\u0131lc\u0131yd\u0131. Bu nedenle k\u00f6\u015femde bunu payla\u015fmak istiyorum. Daha \u00f6nce Adnan Kahveci\u2019nin eski Bakan Dan\u0131\u015fman\u0131 Erdo\u011fan Kutlu\u2019nun da ayr\u0131nt\u0131l\u0131 bir bi\u00e7imde sundu\u011fu \u00f6neriyi, bir esnaftan dinleyince a\u00e7\u0131k\u00e7as\u0131 etkilendim.<\/p>\n<p>G\u00f6r\u00fc\u015flerini benimle payla\u015fan esnaf, Tacettin Saliho\u011flu&#8230; Bak\u0131n ne diyor? \u201cGer\u00e7ek muhataplar\u0131 masaya yat\u0131r\u0131yor muyuz? \u0130\u015fte ben bundan emin de\u011filim. Bir \u00e7ek yaz\u0131l\u0131yor; bankaya gidiyorsunuz bin k\u00fcs\u00fcr liras\u0131n\u0131 kar\u015f\u0131l\u0131yor. B\u00f6yle teminat m\u0131 olur? \u00c7eki eline alan adam\u0131n \u00fczerine 10 bin ya da 100 bin TL yazmas\u0131 vicdan\u0131na kalm\u0131\u015f.<\/p>\n<p>Banka m\u00fc\u015fterisini iyi tan\u0131yacak ki, ben de g\u00fcven duyabileyim. Diyelim ki banka i\u015fin i\u00e7inde yok. Bir ki\u015fi geldi size ve bo\u015f beyaz bir k\u00e2\u011f\u0131d\u0131n \u00fczerine rakam yaz\u0131p, mal istedi. Ka\u00e7 ki\u015fi verir? Kimse vermeyece\u011fine g\u00f6re, buradaki g\u00fcvenceyi do\u011fru okumak laz\u0131m. Beyaz k\u00e2\u011f\u0131da bir bankan\u0131n logosu konulmu\u015fsa, banka referans vermi\u015f, kefil olmu\u015f demektir. Ama \u00f6denmeyince \u2018biz kar\u0131\u015fmay\u0131z, hukuka gidin\u2019 diyorlar.<\/p>\n<p>\u00c7ek yapraklar\u0131nda da, \u00e7ek karnesinde de limit uygulamas\u0131na ge\u00e7ilmeli. Pos cihaz\u0131ndan yap\u0131lan al\u0131\u015fveri\u015fte ben rahat\u0131m. Param\u0131 anla\u015fmama ba\u011fl\u0131 olarak hemen ya da 40 g\u00fcn sonra al\u0131yorum. Bankaya \u00f6demi\u015f, \u00f6dememi\u015f beni ilgilendirmiyor. Ama banka \u00f6nlemini al\u0131yor. \u00c7ekte de benzer bir sisteme ge\u00e7ilmeli.<\/p>\n<p>O beyaz k\u00e2\u011f\u0131d\u0131n \u00fczerine logonu koyuyorsan, ki\u015fi benim de\u011fil, senin m\u00fc\u015fterindir. Bu nedenle \u00e7ekin tamam\u0131ndan sorumluluk bankaya getirilmelidir. Kar\u015f\u0131l\u0131\u011f\u0131nda da teminat\u0131n\u0131 al\u0131p, g\u00fcven \u00f6l\u00e7\u00fcs\u00fcnde ki\u015fiye \u00f6zel limitli \u00e7ek versin.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-851886044\"><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>\u00d6rne\u011fin 200 bin TL teminat veren ki\u015fiye, 20 yaprakl\u0131 \u00e7ek verir; \u00fczerine de maksimum yaprak ba\u015f\u0131 10 bin TL dersiniz ve tamam\u0131ndan sorumlu olursunuz. \u00c7\u00f6z\u00fcm bu kadar kolay. Bankalar i\u015fini yapm\u0131yor.\u201d<\/p>\n<p>Bence son derece ak\u0131lc\u0131 bir y\u00f6ntem&#8230; Elbette \u00fclkeyi y\u00f6netenler \u2018faiz lobisi\u2019 gibi hi\u00e7bir ge\u00e7erlili\u011fi olmayan hamasi s\u00f6zleri bir kenara b\u0131rak\u0131p, banka vesayetini a\u015farak ger\u00e7ekten \u00e7\u00f6z\u00fcm pe\u015findeyseler.<\/p>\n<p>Peki siyasiler bu konuda gerekenleri yapmazsa ne olacak? Esnaf Saliho\u011flu\u2019nun bu konudaki \u00f6nerisi de \u00e7ok ho\u015fuma gitti. Onu da payla\u015farak bug\u00fcnk\u00fc k\u00f6\u015femi neredeyse tamamen kendisinin \u00e7\u00f6z\u00fcm\u00fcne ay\u0131rmak istiyorum:<\/p>\n<p>\u201cAyn\u0131 bankalardan elinde kar\u015f\u0131l\u0131ks\u0131z \u00e7ek bulunan esnaf\u0131n bir araya gelerek toplu dava a\u00e7mas\u0131 gerekir. BDDK arac\u0131l\u0131\u011f\u0131yla bu yap\u0131labilir. Gerek\u00e7e de belli: Bu adam\u0131 bana sen getirdin; sen referans oldun. Banka g\u00fcvendi\u011fi kadar kredi verecek. Kredi kart\u0131nda niye limit var? Peki \u00e7ekte niye yok?\u201d<\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-350625537\"><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>Sizin derdiniz sorun mu \u00e7\u00f6zmek, siyaset mi yapmak? Derdiniz \u00e7\u00f6z\u00fcm ise ve y\u00fcre\u011finiz de varsa; al\u0131n size \u00f6neri, uygulay\u0131n. Bak\u0131n \u00e7\u00f6z\u00fcm k\u0131ymeti kendinden menkul, \u00e7okbilmi\u015flerden de\u011fil; eli ta\u015f\u0131n alt\u0131nda olanlardan \u00e7\u0131k\u0131yor. Zaten bug\u00fcne kadar dan\u0131\u015ft\u0131klar\u0131n\u0131z yerine, milleti dinleseydiniz, bu hale gelmezdik.<\/p>\n<p><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Reel piyasalar\u0131n bug\u00fcn en b\u00fcy\u00fck sorunu haline gelen tahsil\u00e2t problemi, \u00e7ek yasas\u0131ndaki hapis cezas\u0131n\u0131n kald\u0131r\u0131lmas\u0131yla birlikte daha da i\u00e7inde \u00e7\u0131k\u0131lmaz noktaya geldi. \u015e\u00fcphesiz i\u015flerin bozulmas\u0131ndan&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-35978","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\/35978","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=35978"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/35978\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=35978"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=35978"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=35978"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}