{"id":38173,"date":"2015-02-04T22:16:08","date_gmt":"2015-02-04T20:16:08","guid":{"rendered":"http:\/\/www.bilgeyatirimci.com\/?p=38173"},"modified":"2015-02-05T01:10:08","modified_gmt":"2015-02-04T23:10:08","slug":"sorun-faiz-olmaktan-cikti","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/sorun-faiz-olmaktan-cikti\/","title":{"rendered":"\u00c7etin \u00dcnsalan &#8211; Sorun, faiz olmaktan \u00e7\u0131kt\u0131"},"content":{"rendered":"<p><em><strong>Cumhurba\u015fkan\u0131 sistematik bir bi\u00e7imde Merkez Bankas\u0131\u2019na y\u00fcklenmeyi s\u00fcrd\u00fcr\u00fcyor. Her konu\u015ftu\u011funda da kur bir daha z\u0131pl\u0131yor. Peki, tart\u0131\u015fman\u0131n ba\u015flang\u0131c\u0131 neydi? Faizler \u00e7ok y\u00fcksek, d\u00fc\u015f\u00fcrmek gerekiyor.<\/strong><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-1265596394\"><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>&nbsp;<\/p>\n<p>Neden? Bu sayede enflasyon d\u00fc\u015fecek. Faizleri d\u00fc\u015f\u00fcrd\u00fc\u011f\u00fcn\u00fczde t\u00fcketim artaca\u011f\u0131na g\u00f6re enflasyon nas\u0131l d\u00fc\u015f\u00fck kalacak? Onun yan\u0131t\u0131 yok. \u00c7\u00fcnk\u00fc do\u011fru mant\u0131k enflasyon d\u00fc\u015ferse faiz d\u00fc\u015fer.<\/p>\n<p>&nbsp;<\/p>\n<p>Faiz bir muamma de\u011fil ki? T\u00fcrk\u00e7esi paran\u0131n y\u0131pranma pay\u0131n\u0131n maliyeti. Yani enflasyon oran\u0131nda faiz al\u0131yorsan\u0131z; cebinize ekstradan para girmiyor. Sadece tasarrufunuzu korumu\u015f oluyorsunuz.<\/p>\n<p>&nbsp;<\/p>\n<p>Elbette buradan s\u0131k\u0131nt\u0131 yaratan bor\u00e7 ve kredilere uygulanan faizler. Onlar da \u00fclkede tasarruf olmad\u0131\u011f\u0131 i\u00e7in, yurtd\u0131\u015f\u0131ndan getirilen paran\u0131n hem d\u00f6viz bazl\u0131 y\u0131pranmas\u0131n\u0131, hem de enflasyon temelli y\u0131pranmas\u0131n\u0131 esas al\u0131p, elin o\u011flu bedava para vermeyece\u011finden \u00fczerine k\u00e2r koyularak sat\u0131lan hali.<\/p>\n<p>&nbsp;<\/p>\n<p>Faizi d\u00fc\u015f\u00fcrd\u00fc\u011f\u00fcn\u00fczde bir \u015fey de\u011fi\u015fmeyecek ki? Yani birilerinin yat\u0131r\u0131m yapaca\u011f\u0131n\u0131 hayal ediyorlarsa, yan\u0131l\u0131yorlar. Zaten dertleri de sadece konut odakl\u0131. Reel sekt\u00f6r\u00fcn di\u011fer kanad\u0131n\u0131n sorunlar\u0131yla ger\u00e7ekten ilgilenmiyorlar.<\/p>\n<p>&nbsp;<\/p>\n<p>Onlar\u0131 sadece kullan\u0131yorlar. Zira \u015fu an reel sekt\u00f6r\u00fcn derdi yat\u0131r\u0131m yapmak i\u00e7in ucuz kaynak bulmak de\u011fil; dolar bazl\u0131 borcunu \u00f6demek, giderlerini kar\u015f\u0131lamak. Samimi olsalar ne yapmalar\u0131 gerekir?<\/p>\n<p>&nbsp;<\/p>\n<p>Prof. Dr. Sadi Uzuno\u011flu, kat\u0131ld\u0131\u011f\u0131 bir televizyon program\u0131nda \u00e7ok g\u00fczel belirtti. Te\u015fvi\u011fi konuta vereceklerine, d\u00f6vizi ger\u00e7ek seviyeye getirip, aradaki fark\u0131 desteklerler. Ama konut satmaya kilitlenmi\u015fler bir kere\u2026 Bu nedenle reel sekt\u00f6r\u00fcn birinci \u00f6nceli\u011fi faiz de\u011fil, kur riski.<\/p>\n<p>&nbsp;<\/p>\n<p>Cumhurba\u015fkan\u0131 da her konu\u015ftu\u011funda kumar ekonomisine emanet etti\u011fi \u00fclkede, di\u011fer taraf\u0131n ka\u00e7\u0131\u015f hareketi dolar\u0131n de\u011ferini y\u00fckseltiyor. Bunun i\u00e7in \u00e7ok ciddi bir iktisadi analize gerek yok. Tahterevalli teorisi\u2026<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2947952409\"><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>&nbsp;<\/p>\n<p>Bunu \u015fimdi faiz lobisi diye isimlendirdi\u011finiz ki\u015filere, d\u00fcnk\u00fc uygulamalar\u0131n\u0131zla ekonomiyi mahk\u00fbm etmeden \u00f6nce d\u00fc\u015f\u00fcnecektiniz. Cumhurba\u015fkan\u0131 susmuyor; Merkez \u00fczerindeki faiz d\u00fc\u015f\u00fcrme bask\u0131s\u0131n\u0131 art\u0131r\u0131yor.<\/p>\n<p>&nbsp;<\/p>\n<p>Ama bug\u00fcnk\u00fc foto\u011frafta hi\u00e7bir ekonomik kar\u015f\u0131l\u0131\u011f\u0131 olmad\u0131\u011f\u0131 i\u00e7in dolar\u0131n de\u011ferini tetiklemekten ve reel sekt\u00f6r \u00fczerindeki kur riskini artt\u0131rmaktan ba\u015fka bir i\u015fe yaram\u0131yor. \u00dcstelik art\u0131k faiz sorun olmaktan \u00e7\u0131kt\u0131.<\/p>\n<p>&nbsp;<\/p>\n<p>Zaten bask\u0131yla \u2018kur 1,92\u2019 olacak a\u00e7\u0131klamas\u0131n\u0131 yapt\u0131r\u0131p, rezil olmas\u0131na neden olduklar\u0131 Merkez Bankas\u0131\u2019n\u0131n kredibilitesini sorgulan\u0131r hale getirdiler. Yani olay ekonomik temelden \u00e7\u0131kt\u0131; Merkez Bankas\u0131\u2019n\u0131n ekonominin kurallar\u0131na uygun hareket edip, edemeyece\u011fi tart\u0131\u015fma noktas\u0131na geldi.<\/p>\n<p>&nbsp;<\/p>\n<p>Hem kur d\u00fc\u015fs\u00fcn; hem faiz, hem enflasyon, insanlar da yat\u0131r\u0131m yaps\u0131n. Bu isteklerinin tamam\u0131n\u0131n ger\u00e7ekle\u015fmesi, mevcut ekonomik yap\u0131 i\u00e7erisinde m\u00fcmk\u00fcn de\u011fil. Say\u0131n Cumhurba\u015fkan\u0131\u2019na bu akl\u0131 kim veriyorsa; gidip tekrar sorsun.<\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-658817260\"><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>&nbsp;<\/p>\n<p>\u00c7\u00fcnk\u00fc sahte kahramanl\u0131k yapay\u0131m derken; taamm\u00fcden \u00fclkeyi krize s\u00fcr\u00fckl\u00fcyor. Elbette klasik koro da Ba\u015fbakan Davuto\u011flu y\u00f6netiminde kendisini takip ediyor. Bir \u015fey yapam\u0131yorsunuz; bari susun. Neden krizi tetikleyip, erkene \u00e7ekmek i\u00e7in her \u015feyi yap\u0131yorsunuz?<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Cumhurba\u015fkan\u0131 sistematik bir bi\u00e7imde Merkez Bankas\u0131\u2019na y\u00fcklenmeyi s\u00fcrd\u00fcr\u00fcyor. Her konu\u015ftu\u011funda da kur bir daha z\u0131pl\u0131yor. Peki, tart\u0131\u015fman\u0131n ba\u015flang\u0131c\u0131 neydi? Faizler \u00e7ok y\u00fcksek, d\u00fc\u015f\u00fcrmek gerekiyor. &nbsp;&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-38173","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\/38173","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=38173"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/38173\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=38173"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=38173"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=38173"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}