{"id":41703,"date":"2015-10-01T22:46:58","date_gmt":"2015-10-01T19:46:58","guid":{"rendered":"http:\/\/www.bilgeyatirimci.com\/?p=41703"},"modified":"2015-10-02T02:01:05","modified_gmt":"2015-10-01T23:01:05","slug":"kamu-bankalari-ve-finansman","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/kamu-bankalari-ve-finansman\/","title":{"rendered":"\u00c7etin \u00dcnsalan &#8211; Kamu bankalar\u0131 ve finansman"},"content":{"rendered":"<p><em><strong>T\u00fcrkiye\u2019de ekonomi y\u00f6netiminin en \u00e7ok \u00f6v\u00fcnd\u00fc\u011f\u00fc konulardan biri olan bankac\u0131l\u0131k alan\u0131nda finansman, a\u015f\u0131r\u0131 bor\u00e7luluk ve dolardaki y\u00fckseli\u015f gibi etkenlerle arka arkaya k\u0131r\u0131lganl\u0131k uyar\u0131s\u0131 gelmeye ba\u015flad\u0131.<\/strong><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3581438893\"><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>Asl\u0131nda 2001 krizinden sonra bankac\u0131l\u0131kta baz\u0131 d\u00fczenlemelere gidildi. Fakat s\u00fcre\u00e7 i\u00e7inde i\u015fler o kadar \u00e7\u0131\u011f\u0131r\u0131ndan \u00e7\u0131kt\u0131, s\u0131k\u0131\u015ft\u0131k\u00e7a o kadar k\u00f6t\u00fc kullan\u0131ld\u0131 ve kanunlara ra\u011fmen bankac\u0131l\u0131k \u015fi\u015fmesine o denli m\u00fcsaade edildi ki, yap\u0131lanlar\u0131n \u00e7o\u011fu anlams\u0131z hale geldi.<\/p>\n<p>&nbsp;<\/p>\n<p>Ya\u015f\u0131 m\u00fcsait olanlar hat\u0131rlayacakt\u0131r, \u00fclkemizde kamu kurumlar\u0131 i\u00e7in g\u00f6rev zarar\u0131 denilen bir kavram vard\u0131. Daha sonra yap\u0131lan d\u00fczenlemelerle bunun bir nebze \u00f6n\u00fcne ge\u00e7ilmeye \u00e7al\u0131\u015f\u0131ld\u0131. En az\u0131ndan ka\u011f\u0131t \u00fczerinde&#8230; Zira ancak bu \u015fartla sa\u011fa sola satmak m\u00fcmk\u00fcn olacakt\u0131.<\/p>\n<p>&nbsp;<\/p>\n<p>Fakat d\u00fcnyada i\u015flerin terse d\u00f6n\u00fcp, finansal s\u0131k\u0131nt\u0131 ba\u015f g\u00f6sterdi\u011finden beri bankac\u0131l\u0131k \u00fczerindeki deformasyonun boyutu b\u00fcy\u00fcmeye ba\u015flad\u0131. Esasen o g\u00fcne kadar yurtd\u0131\u015f\u0131ndan bor\u00e7lanmaya arac\u0131l\u0131k eden bu finans kurulu\u015flar\u0131, d\u00fcnyada likiditenin azalmas\u0131yla ve para geli\u015finin kesilmesiyle birlikte ba\u015fka g\u00f6revler \u00fcstlenmeye ba\u015flad\u0131.<\/p>\n<p>&nbsp;<\/p>\n<p>\u00d6nce devlet teminat\u0131 verilmesine ra\u011fmen projelere d\u0131\u015far\u0131dan kredi bulunamad\u0131. Proje dediysem, tek bildikleri i\u015f zaten rast gele in\u015faat yapmak. Sonra muhte\u015fem (!) i\u015flerine kredi vermesi i\u00e7in kamu bankalar\u0131 bask\u0131lad\u0131lar. Zar zor, devlet garantisi vere vere, bankac\u0131l\u0131k kurallar\u0131n\u0131, finansal ger\u00e7ekleri, fizibiliteleri zorlayarak kredileri verdiler.<\/p>\n<p>&nbsp;<\/p>\n<p>O arada \u00f6zel bankac\u0131l\u0131\u011fa da salma \u00e7\u0131kar\u0131ld\u0131. 500 milyar dolar en fazla veren oldu. Dolardaki y\u00fckseli\u015f ise durdurulam\u0131yordu. Sonra Bota\u015f piyasadan dolar talep etmesin diye, kamu bankalar\u0131 bu ihtiyac\u0131 gidermekle g\u00f6revli k\u0131l\u0131nd\u0131.<\/p>\n<p>&nbsp;<\/p>\n<p>\u0130lk hareket olarak do\u011fruldu, ama sonu\u00e7 vermesi zaten m\u00fcmk\u00fcn de\u011fildi. Merkez Bankas\u0131 bankalardaki d\u00f6viz hesaplar\u0131n\u0131 da kendi kayna\u011f\u0131 olarak g\u00f6sterme yoluna girdi. Art\u0131k bahsi ge\u00e7en rezervler, kamunun sahip olduklar\u0131 de\u011fil, T\u00fcrkiye\u2019nin tamam\u0131n\u0131n sahip oldu\u011fuydu.<\/p>\n<p>&nbsp;<\/p>\n<p>\u015eimdi Merkez Bankas\u0131 bir a\u00e7\u0131klama daha yapt\u0131. Bota\u015f talep etti, Merkez de kamu bankalar\u0131ndan d\u00f6viz talebi i\u00e7in \u00e7al\u0131\u015fma yapmalar\u0131 iste\u011fini iletti. Fakat toplam rezerv h\u0131zla erimeye devam etti. Ayr\u0131ca kullan\u0131labilir rezervin, yani m\u00fcdahale etme yetene\u011fi veren nakit paran\u0131n da 30 milyar dolar civar\u0131nda oldu\u011funu hat\u0131rlatal\u0131m.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2445787980\"><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>Bota\u015f istiyor kamu bankalar\u0131\u2026 Vatanda\u015f kredilendirilip piyasa hareketlendirilecek kamu bankalar\u0131\u2026 \u00c7\u0131lg\u0131nl\u0131klar finanse edilecek kamu bankalar\u0131, \u00f6zelle\u015ftirme yap\u0131lacak kamu bankalar\u0131&#8230; Bu zincir b\u00f6yle s\u00fcr\u00fcp gidiyor.<\/p>\n<p>&nbsp;<\/p>\n<p>E\u011fer yurti\u00e7inde ve d\u0131\u015f\u0131nda kimse kredi vermezken kamu bankalar\u0131 zorla kredi aktar\u0131yorsa, bunun ad\u0131 yeni bir g\u00f6rev zarar\u0131 de\u011fil midir? \u015eimdi Cumhurba\u015fkan\u0131 Erdo\u011fan ekonomi b\u00fcrokrasisinden hamle bekliyor. Meclis a\u00e7\u0131l\u0131\u015f konu\u015fmas\u0131nda s\u00f6yledi.<\/p>\n<p>&nbsp;<\/p>\n<p>Bekledi\u011fi hamle ne? Kamu bankalar\u0131 nas\u0131l bir derinli\u011fe sahip ki, her \u015feyi kredilendirmekle y\u00fck\u00fcml\u00fc k\u0131l\u0131n\u0131yor. Yoksa Merkez kimseye ses etmeden matbaaya fazla mesai mi yapt\u0131r\u0131yor? Ba\u015f\u00e7\u0131 hayaller diyar\u0131nda gezece\u011fine bunlar\u0131 a\u00e7\u0131klasa da bilsek. Soruyorum: \u00c7ok \u00f6v\u00fcnd\u00fc\u011f\u00fcn\u00fcz Basel kriterlerinin neresindesiniz? BDDK olup bitenden ne kadar haberdar?<\/p>\n<p><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3831898427\"><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","protected":false},"excerpt":{"rendered":"<p>T\u00fcrkiye\u2019de ekonomi y\u00f6netiminin en \u00e7ok \u00f6v\u00fcnd\u00fc\u011f\u00fc konulardan biri olan bankac\u0131l\u0131k alan\u0131nda finansman, a\u015f\u0131r\u0131 bor\u00e7luluk ve dolardaki y\u00fckseli\u015f gibi etkenlerle arka arkaya k\u0131r\u0131lganl\u0131k uyar\u0131s\u0131 gelmeye ba\u015flad\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-41703","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\/41703","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=41703"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/41703\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=41703"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=41703"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=41703"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}