{"id":39882,"date":"2015-06-04T21:43:56","date_gmt":"2015-06-04T18:43:56","guid":{"rendered":"http:\/\/www.bilgeyatirimci.com\/?p=39882"},"modified":"2015-06-04T23:34:37","modified_gmt":"2015-06-04T20:34:37","slug":"karsiliksiz-alacak-kangreni","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/karsiliksiz-alacak-kangreni\/","title":{"rendered":"\u00c7etin \u00dcnsalan &#8211; Kar\u015f\u0131l\u0131ks\u0131z alacak kangreni"},"content":{"rendered":"<p><em><strong>T\u00fcrkiye\u2019nin \u015fu an en \u00f6nemli sorunlar\u0131n\u0131n ba\u015f\u0131nda tahsilat geliyor. Zaten i\u015f hacminin d\u00fc\u015ft\u00fc\u011f\u00fc ortamda bir de tahsil edilemeyen alacaklar, \u00fczerine tuz biber olan kar\u015f\u0131l\u0131ks\u0131z \u00e7ekler, firmalar\u0131, dolayl\u0131 olarak da \u00e7al\u0131\u015fanlar\u0131ndan alacakl\u0131lar\u0131na kadar herkesi olumsuz etkiliyor.<\/strong><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3278817131\"><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>Son d\u00f6nemde patlayan kar\u015f\u0131l\u0131ks\u0131z \u00e7ek oranlar\u0131na \u00f6nlem olarak yeni bir uygulama geli\u015ftirildi. Kare kod uygulamas\u0131&#8230; Bence iyi niyetli, yap\u0131lmas\u0131 gereken bir eylem ve 15 Haziran\u2019da hayata ge\u00e7iyor.<\/p>\n<p>&nbsp;<\/p>\n<p>TOBB Kredi Kay\u0131t B\u00fcrosu\u2019nun geli\u015ftirdi\u011fi bu sistemle, \u00e7eklerin sorgulanabilmesi ve kar\u015f\u0131l\u0131ks\u0131z say\u0131s\u0131n\u0131n azalt\u0131lmas\u0131 ama\u00e7lan\u0131yor. Dedim ya, g\u00fczel, iyi niyetli ama tek ba\u015f\u0131na ortadaki sorunu yok edebilecek bir yap\u0131s\u0131 yok.<\/p>\n<p>&nbsp;<\/p>\n<p>TOBB Ba\u015fkan\u0131 Hisarc\u0131kl\u0131o\u011flu\u2019nun da dikkat \u00e7ekti\u011fi \u00fczere, T\u00fcrkiye\u2019deki ticaretin \u00fc\u00e7te ikisi vadeli y\u00fcr\u00fcyor. Bilhassa \u00e7ekte hapis cezas\u0131n\u0131n kald\u0131r\u0131lmas\u0131yla \u00e7eklerdeki s\u0131k\u0131nt\u0131 b\u00fcy\u00fcd\u00fc. \u015eimdi bu y\u00f6ntemle, cep telefonuna indirilen bir uygulamayla \u00e7ekteki sorgulaman\u0131n sa\u011fl\u0131kl\u0131 yap\u0131lmas\u0131 esas al\u0131n\u0131yor.<\/p>\n<p>&nbsp;<\/p>\n<p>Fakat bu i\u015fin kitapta yazmayan yanlar\u0131 var. \u00d6ncelikle tek ba\u015f\u0131na bunu yapmak bir \u00f6nlemdir, ama problemi ortadan kald\u0131rmaz. Bankalar\u0131n \u00e7ek karnesi verirken ortaya koyduklar\u0131 duyars\u0131zl\u0131klar, yetersiz y\u00fck\u00fcml\u00fcl\u00fckleri \u00f6nemlidir.<\/p>\n<p>&nbsp;<\/p>\n<p>Reel piyasalardan bir temsilcinin aktard\u0131\u011f\u0131n\u0131 payla\u015fay\u0131m. Bir ki\u015fi ortaya 100 bin TL koyuyor. E\u015f dost akraba, 100 bin TL\u2019lik \u00e7eki 4 kere yaz\u0131p \u00f6d\u00fcyor. Sonra piyasaya \u00e7ak\u0131yor. Diyelim ki 50 bin TL\u2019lik \u00e7ek yaz\u0131yor. Bankaya soruyorsunuz ya da yeni uygulamayla verilen \u00e7eki inceliyorsunuz; \u00e7ek sa\u011flam.<\/p>\n<p>&nbsp;<\/p>\n<p>Ama adam kendi kendine 100 bin TL ile oynad\u0131\u011f\u0131 oyun \u00fczerinden 50 bin TL\u2019lik onlarca \u00e7ek yaz\u0131p mal alarak piyasay\u0131 doland\u0131rabiliyor. Bu nedenle hen\u00fcz \u00e7ekin verili\u015f a\u015famas\u0131nda i\u015f s\u0131k\u0131 tutulmazsa, bankalar da ger\u00e7ekten i\u015fin i\u00e7ine sokulmazsa \u00e7\u00f6z\u00fcme ula\u015f\u0131lmas\u0131 zor.<\/p>\n<p>&nbsp;<\/p>\n<p>Yine vadeli hesaplara bakt\u0131\u011f\u0131n\u0131zda as\u0131l problemin a\u00e7\u0131k hesaplarda ya\u015fand\u0131\u011f\u0131 g\u00f6r\u00fcl\u00fcyor. Burada iki y\u0131la dayanan vadeler ve tahsil edilemeyen alacaklar, istatistiklere yans\u0131yan kar\u015f\u0131l\u0131ks\u0131z oran\u0131n\u0131n kat be kat \u00fczerinde.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-4038190652\"><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>TOBB kendi \u00e7abas\u0131yla b\u00f6yle bir yenilik\u00e7ilik yaratm\u0131\u015f ve \u00f6nlemlerden biri olarak hizmete sunuyor. Ama sorunun ger\u00e7ekten \u00e7\u00f6z\u00fcmlenmesi i\u00e7in, daha farkl\u0131 yap\u0131sal i\u015flemlere ihtiya\u00e7 var. \u015eu anda kimse alaca\u011f\u0131n\u0131 tahsil edemiyor ve bunlar\u0131n hi\u00e7 biri kar\u015f\u0131l\u0131ks\u0131z \u00e7ek oranlar\u0131na yans\u0131m\u0131yor.<\/p>\n<p>&nbsp;<\/p>\n<p>\u0130ki ay sonra kar\u015f\u0131l\u0131ks\u0131z \u00e7ek oran\u0131n\u0131n d\u00fc\u015fmesi, sorunun halledildi\u011fini de\u011fil, daha az \u00e7ek kullan\u0131ld\u0131\u011f\u0131n\u0131 g\u00f6sterir. \u00c7\u00fcnk\u00fc zorlanan al\u0131c\u0131 ve sat\u0131c\u0131 h\u0131zla a\u00e7\u0131k hesaba a\u011f\u0131rl\u0131k verecektir. Sigortadan yoksun bu sistem de \u00f6nce firmalar\u0131, ard\u0131ndan \u00e7al\u0131\u015fanlar\u0131, sonu\u00e7ta da T\u00fcrkiye\u2019yi olumsuz etkileyecektir.<\/p>\n<p>&nbsp;<\/p>\n<p>Bu tip \u00f6nlemler \u00f6nemli; ama sorunu ger\u00e7ekten \u00e7\u00f6zmek istiyorsan\u0131z, piyasan\u0131n ger\u00e7eklerine itibar etmeniz gerekir; istatistiklerinkine de\u011fil. \u00c7\u00fcnk\u00fc istatistiklerle \u00e7arp\u0131k ili\u015fkiler aras\u0131nda gidip geliyoruz.<\/p>\n<p>&nbsp;<\/p>\n<p>T\u00fcrkiye\u2019de firmalar nakit a\u00e7maz\u0131 ve finansman s\u0131k\u0131nt\u0131s\u0131 ile bo\u011fu\u015furken, onlar\u0131 desteklemesi gereken ihtisas bankalar\u0131 ne yap\u0131yor? Ziraat\u2019in son reklam\u0131 ortada\u2026 \u00d6zr\u00fc kabahatinden b\u00fcy\u00fck&#8230; K\u00f6pr\u00fcleri, havaalanlar\u0131n\u0131, yollar\u0131 finanse ediyor?<\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-1534681155\"><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>\u00dcretici k\u0131vran\u0131rken, \u00fcreticiyi finanse etmesi i\u00e7in kurulan kamu bankalar\u0131, talimatla iktidara askerlik yap\u0131yor. \u0130ster bankaya, ister iktidara bak\u0131n; durum a\u011flanacak halde. O kadar aymazl\u0131k var ki, reklam\u0131n\u0131 bile yap\u0131yorlar. Yani bizim param\u0131zla bize, i\u015flerini yapmad\u0131klar\u0131n\u0131n reklam\u0131n\u0131 yap\u0131yorlar. Reel sekt\u00f6r m\u00fc? Tahsil edemedi\u011fi alaca\u011f\u0131n\u0131n derdine yans\u0131n.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>T\u00fcrkiye\u2019nin \u015fu an en \u00f6nemli sorunlar\u0131n\u0131n ba\u015f\u0131nda tahsilat geliyor. Zaten i\u015f hacminin d\u00fc\u015ft\u00fc\u011f\u00fc ortamda bir de tahsil edilemeyen alacaklar, \u00fczerine tuz biber olan kar\u015f\u0131l\u0131ks\u0131z \u00e7ekler,&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-39882","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\/39882","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=39882"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/39882\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=39882"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=39882"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=39882"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}