{"id":38495,"date":"2015-02-23T21:40:54","date_gmt":"2015-02-23T19:40:54","guid":{"rendered":"http:\/\/www.bilgeyatirimci.com\/?p=38495"},"modified":"2015-02-23T23:41:30","modified_gmt":"2015-02-23T21:41:30","slug":"hadi-faizi-dusurelim","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/hadi-faizi-dusurelim\/","title":{"rendered":"\u00c7etin \u00dcnsalan &#8211; Hadi faizi d\u00fc\u015f\u00fcrelim"},"content":{"rendered":"<p><em><strong>Merkez Bankas\u0131\u2019n\u0131n Para Politikas\u0131 Kurulu (PPK) toplant\u0131s\u0131n\u0131n hemen \u00f6ncesinde koro yeniden ba\u015flad\u0131: \u2018Faizler d\u00fc\u015fs\u00fcn.\u2019 Dedim ya, babas\u0131n\u0131n cebinde para yokken, \u2018oyuncak\u2019 diye tutturan \u00e7ocuklar gibiler. Koroya dahil olan bakanlar ba\u015flad\u0131 tempo tutmaya\u2026<\/strong><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-1393251268\"><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>Bir tek Cumhurba\u015fkan\u0131 Erdo\u011fan\u2019dan ses yok. O \u015fimdi san\u0131r\u0131m operasyon y\u00f6netiyor. Hay\u0131r; Suriye\u2019deki t\u00fcrbemizi ta\u015f\u0131mas\u0131ndan (!) bahsetmiyorum. Kulislere bak\u0131l\u0131rsa bakan d\u00fczeyinde bir d\u00fczenleme geliyor.<\/p>\n<p>&nbsp;<\/p>\n<p>Baz\u0131lar\u0131na faiz konusundaki ters a\u00e7\u0131klamalar\u0131 nedeniyle \u00e7ok k\u0131zg\u0131nm\u0131\u015f. Neden bir Cumhurba\u015fkan\u0131, Y\u00fcr\u00fctme\u2019nin i\u015fine bu kadar kar\u0131\u015f\u0131r; meydan meydan dola\u015f\u0131p da oy ister; i\u015fin oras\u0131 da apayr\u0131 bir vahamet.<\/p>\n<p>&nbsp;<\/p>\n<p>D\u00f6nelim tekrar faize\u2026 Peki yar\u0131n PPK faizleri d\u00fc\u015f\u00fcrs\u00fcn. Ne diyor bakanlar? Bu yat\u0131r\u0131mlar\u0131n artmas\u0131na neden olacak ve t\u00fcketiciye de daha \u00e7ok kredi olana\u011f\u0131 do\u011furacak; b\u00f6ylece de piyasalar hareketlenecek.<\/p>\n<p>&nbsp;<\/p>\n<p>Kredi maliyetleri ucuzlad\u0131 diyelim ki, ger\u00e7ek \u00f6yle a\u00e7\u0131kland\u0131\u011f\u0131 gibi olmuyor. Reel sekt\u00f6r kredi kullanmaya kalkt\u0131\u011f\u0131 zaman \u00e7ok daha y\u00fcksek faiz maliyetiyle kar\u015f\u0131la\u015f\u0131yor; istenen teminatlar da cabas\u0131\u2026 Sadece teminatlarla bile bir fabrika kurabilir.<\/p>\n<p>&nbsp;<\/p>\n<p>Hadi diyelim ki faizler d\u00fc\u015ft\u00fc ve herkes yat\u0131r\u0131m ata\u011f\u0131na kalkt\u0131. D\u00fcnya kadar yat\u0131r\u0131m yap\u0131ld\u0131, kapasite kullan\u0131mlar\u0131n d\u00fc\u015ft\u00fc\u011f\u00fc \u00fclkede yeni kapasiteler i\u00e7in kollar s\u0131vand\u0131. Peki yap\u0131lan \u00fcretim nereye sat\u0131lacak? D\u0131\u015f piyasalar daral\u0131yor; petrol\u00fcn etkisiyle daralman\u0131n \u015fiddeti de art\u0131yor. O zaman gereksiz yat\u0131r\u0131mlar nedeniyle bir ba\u015fka problem ortaya \u00e7\u0131km\u0131yor mu?<\/p>\n<p>&nbsp;<\/p>\n<p>Sat\u0131\u015f yapamay\u0131p, yat\u0131r\u0131mlar nedeniyle kredi bor\u00e7lar\u0131 a\u011f\u0131rla\u015fan reel sekt\u00f6r, ihracat da yapamad\u0131\u011f\u0131na g\u00f6re \u00f6deme vakti gelmi\u015f k\u0131sa vadeli bor\u00e7lar\u0131n\u0131 nas\u0131l \u00f6deyecek? Peki faizleri d\u00fc\u015f\u00fcrd\u00fc\u011f\u00fcn\u00fczde dolar bu seviyede mi kalacak? Gideri olan dolar y\u00fckselip, geliri olan avro d\u00fc\u015ferken, bu dengeye bile hasret kal\u0131p, daha b\u00fcy\u00fck sorunlar\u0131n i\u00e7inde bulacak kendisini\u2026<\/p>\n<p>&nbsp;<\/p>\n<p>Oysa \u015fu an ger\u00e7ek hedef, mevcut yat\u0131r\u0131mlarda tam kapasite \u00e7al\u0131\u015fman\u0131n yolunu aramakt\u0131r. O tam kapasite de T\u00dc\u0130K\u2019in hesaplad\u0131\u011f\u0131 gibi tek vardiya \u00fczerinden de\u011fil. \u0130deali \u00fc\u00e7, hi\u00e7 olmazsa iki vardiya \u00e7al\u0131\u015fabiliyor olmas\u0131 laz\u0131m fabrikan\u0131n\u2026<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2222707002\"><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>Bir ad\u0131m sonras\u0131na gidelim. \u00d6deme g\u00fc\u00e7l\u00fc\u011f\u00fc i\u00e7ine d\u00fc\u015fen ve \u00fcretti\u011fi mal\u0131 satamayan firma ne yapar? \u0130flas eder ya da iflas etmemek i\u00e7in giderlerini k\u0131smaya ba\u015flar. Buna \u00e7al\u0131\u015ft\u0131ramayaca\u011f\u0131 i\u015f\u00e7i de dahil. Yaka rengine bakmadan i\u015fsizlik tetiklenecek. D\u00f6nelim t\u00fcketiciye\u2026 Faizler d\u00fc\u015f\u00fcnce t\u00fcketim yapmas\u0131 hayal ediliyor de\u011fil mi?<\/p>\n<p>&nbsp;<\/p>\n<p>T\u00fcketimden kast ettikleri de elma, armut de\u011fil. Hepsine daire satman\u0131n yolunu ar\u0131yorlar. \u0130\u015fsiz adam kredi taksitlerini nas\u0131l \u00f6deyecek? \u0130\u015fi varken kredi kart\u0131 borcunu bile \u00f6deyemiyor. Buradan da kredi kaynakl\u0131 bir bankac\u0131l\u0131k krizini kuca\u011f\u0131nda buldun mu?<\/p>\n<p>&nbsp;<\/p>\n<p>Tekrar d\u00f6nelim \u00fcreticiye\u2026 D\u0131\u015far\u0131da satam\u0131yorsa, i\u00e7eride satar de\u011fil mi? Piyasas\u0131n\u0131 maliyet \/ fiyat dengesi ad\u0131na tamamen ithalata kapt\u0131rm\u0131\u015f bir \u00fcretici nas\u0131l mal satacak? Peki geliri azalan ya da s\u0131f\u0131rlanan t\u00fcketici g\u00fcnl\u00fck ihtiya\u00e7lar\u0131n\u0131 nas\u0131l kar\u015f\u0131layacak?<\/p>\n<p>&nbsp;<\/p>\n<p>Fiyat\u0131 daha mak\u00fbl oldu\u011fu i\u00e7in ithal \u00fcr\u00fcnlerle\u2026 O zaman enflasyon ne olacak? Hem ba\u015fkas\u0131n\u0131n mal\u0131n\u0131 t\u00fcket, hem de bir de \u00fczerine enflasyon maliyeti gelsin. Enflasyonun y\u00fckseldi\u011fi yerde faiz ve d\u00f6viz sabit duracak m\u0131? Elbette durmayacak. T\u00fcrkiye yeni bir k\u0131s\u0131r d\u00f6ng\u00fcye girecek. \u00d6te yandan bu ortamda en \u00f6nemli a\u00e7\u0131\u011f\u0131m\u0131z olan tasarruf ger\u00e7ekle\u015fir mi? R\u00fcyanda g\u00f6rsen inanma\u2026<\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3256612529\"><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>\u0130\u015fte foto\u011fraf bu\u2026 Nas\u0131l bir hesap i\u00e7indesiniz ki, \u015fuurunuzu kaybedercesine bu bask\u0131ya giri\u015fiyorsunuz? Hi\u00e7 kimse faizlerin y\u00fcksek olmas\u0131n\u0131 istemez. Ama bir de ekonomik ger\u00e7ekler var. Daha k\u00f6t\u00fcs\u00fc ya bunlar\u0131 g\u00f6remedi\u011fi i\u00e7in ekonomik bir cehalete sahip olanlar taraf\u0131ndan y\u00f6netiliyoruz ya da bilerek bizi u\u00e7urumdan itmeye \u00e7al\u0131\u015f\u0131yorlar. S\u00f6ylesenize derdiniz ne?<\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Merkez Bankas\u0131\u2019n\u0131n Para Politikas\u0131 Kurulu (PPK) toplant\u0131s\u0131n\u0131n hemen \u00f6ncesinde koro yeniden ba\u015flad\u0131: \u2018Faizler d\u00fc\u015fs\u00fcn.\u2019 Dedim ya, babas\u0131n\u0131n cebinde para yokken, \u2018oyuncak\u2019 diye tutturan \u00e7ocuklar gibiler.&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-38495","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\/38495","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=38495"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/38495\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=38495"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=38495"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=38495"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}