{"id":43773,"date":"2016-01-21T21:28:19","date_gmt":"2016-01-21T19:28:19","guid":{"rendered":"http:\/\/www.bilgeyatirimci.com\/?p=43773"},"modified":"2016-01-22T08:36:40","modified_gmt":"2016-01-22T06:36:40","slug":"bankalara-rovasata","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/bankalara-rovasata\/","title":{"rendered":"\u00c7etin \u00dcnsalan &#8211; Bankalara r\u00f6va\u015fata"},"content":{"rendered":"<p><em><strong>T\u00fcrkiye\u2019de zor durumda olmayan i\u015fletme var m\u0131? Sanayiciler, ticarethaneler, hatta bireysel olarak vatanda\u015f\u2026 \u015e\u00f6yle bir g\u00f6z\u00fcn\u00fcz\u00fcn \u00f6n\u00fcnden ge\u00e7irin \u00e7evrenizdeki insanlar\u0131n ya\u015fad\u0131\u011f\u0131 maddi s\u0131k\u0131nt\u0131lar\u0131; hatta kendinizinkini\u2026<\/strong><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-1816730349\"><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>Ge\u00e7mi\u015fte bir enstit\u00fcde ders vermeye gitti\u011fimde s\u0131n\u0131fa sormu\u015ftum: \u2018Kredi kart\u0131 borcu olmayan var m\u0131?\u2019 30 ki\u015fiyi a\u015fk\u0131n s\u0131n\u0131fta sadece tek bir ki\u015fi parmak kald\u0131rd\u0131. Ona da d\u00f6n\u00fcp; \u2018kredi kart\u0131n yok de\u011fil mi\u2019 dedim; onaylad\u0131.<\/p>\n<p>&nbsp;<\/p>\n<p>\u00c7al\u0131\u015fan\u0131ndan i\u015fsizine, esnaf\u0131ndan sanayicisine herkesin bankalarla bor\u00e7 a\u00e7maz\u0131 ya\u015fad\u0131\u011f\u0131 bir s\u00fcre\u00e7teyiz. \u00d6zellikle sanayicinin durumuna \u015f\u00f6yle bir bakal\u0131m. Bilan\u00e7olar bozulmu\u015f; \u00f6nemli zarar y\u00fckleriyle kar\u015f\u0131 kar\u015f\u0131ya\u2026 Gelir idaresinden SGK\u2019ya kadar her yere borcu var.<\/p>\n<p>&nbsp;<\/p>\n<p>\u015eimdi bir an d\u00fc\u015f\u00fcn\u00fcn. Bunlar\u0131n bor\u00e7lar\u0131n\u0131 yap\u0131land\u0131rsak ve kamu bankalar\u0131ndan kredi kulland\u0131rsak, kredi 10 y\u0131l vadeli olsa ve iki y\u0131l \u00f6demesiz imk\u00e2n\u0131 sunulsa\u2026 B\u00f6yle bir \u00f6neriye \u00f6nce kim kar\u015f\u0131 \u00e7\u0131kar? Bankalar\u2026<\/p>\n<p>&nbsp;<\/p>\n<p>Gerek\u00e7e bilan\u00e7olar\u0131 k\u00f6t\u00fc, \u00f6deme g\u00fc\u00e7l\u00fc\u011f\u00fc i\u00e7indeler ve yanl\u0131\u015f finansal operasyonlar yapmaya devam ediyorlar. E\u011fer bir \u00fclkede 20 ay vade ortalamas\u0131yla mal sat\u0131l\u0131yorsa, bu yanl\u0131\u015f bir finansman modelidir de\u011fil mi? Ama ger\u00e7ek bu.<\/p>\n<p>&nbsp;<\/p>\n<p>B\u00f6yle bir destek kamu bankalar\u0131ndan gelece\u011fi i\u00e7in, kamuoyu ayaklan\u0131r; \u2018i\u015fini do\u011fru yapsayd\u0131; neden amiyane tabirle k\u0131yak yap\u0131l\u0131yor\u2019 diye sorulur. Hakl\u0131l\u0131k pay\u0131 da yok de\u011fildir. Hatta itirazlar sanayici kesimden de y\u00fckselir. \u2018\u00d6demelerini zaman\u0131nda yapan, finans\u0131 y\u00f6netebilenlerin g\u00fcnah\u0131 ne\u2019 diye sorulur. \u0130ktidar bunun yap\u0131lamayaca\u011f\u0131n\u0131 anlatmaya ba\u015flar.<\/p>\n<p>&nbsp;<\/p>\n<p>Ben de sorar\u0131m: S\u00f6z konusu olan vatanda\u015f ya da sanayici olunca herkes ayaklan\u0131yor da, futbol kul\u00fcpleri olunca neden kimsenin sesi \u00e7\u0131km\u0131yor? Elbette herkesin g\u00f6nl\u00fcnde yatan bir renk, taraftar\u0131 oldu\u011fu bir tak\u0131m vard\u0131r. Ama bu mesele hata yapan\u0131n aklanmas\u0131n\u0131, kul\u00fcplerin yanl\u0131\u015f y\u00f6netimlerinin ipten al\u0131nmas\u0131n\u0131 onaylamay\u0131 gerektirir mi?<\/p>\n<p>&nbsp;<\/p>\n<p>\u015eimdi s\u00fcper lig tak\u0131mlar\u0131na y\u00f6nelik b\u00f6yle bir projelendirme yap\u0131l\u0131yor. Eme\u011fi ge\u00e7enler Spor Bakanl\u0131\u011f\u0131, T\u00fcrkiye Futbol Federasyonu ve Kul\u00fcpler Birli\u011fi Vakf\u0131\u2026 UEFA Mali Fair Play kriterleri nedeniyle a\u00e7maz\u0131m\u0131z ortada. Belki de iyi niyetle ortaya konulmu\u015f bir talep. Ama neden s\u00fcper lig tak\u0131mlar\u0131n\u0131 kurtarmaya \u00f6ncelik veriyoruz; ortada kapanmaya namzet bir s\u00fcr\u00fc i\u015fletme varken?<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2351231230\"><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>3,5 milyar TL; yakla\u015f\u0131k 1 milyar dolarl\u0131k batak halindeki s\u00fcper lig kul\u00fcplerini bataktan kurtarmak, 10 y\u0131l gibi orta vadeli ve iki y\u0131l \u00f6demesiz kredilendirme i\u00e7in \u00fc\u00e7 devlet bankas\u0131 topa sokulmak isteniyor. Bunun ad\u0131 \u00f6ncelikle g\u00f6rev zarar\u0131d\u0131r. Hangi bankac\u0131l\u0131k kriterlerine g\u00f6re verilecektir? Bat\u0131\u011fa neden olan y\u00f6netimlerin varl\u0131\u011f\u0131 ortadayken, neye g\u00fcvenilecek?<\/p>\n<p>&nbsp;<\/p>\n<p>2 y\u0131l \u00f6demesiz k\u0131l\u0131p, yeni transferle yapmalar\u0131 i\u00e7in nefes mi ald\u0131r\u0131lacak? Yapal\u0131m yapmas\u0131na batmas\u0131nlar da, ilk s\u0131rada onlar\u0131n oldu\u011funa emin misiniz? Siz neyin pe\u015findesiniz? \u00dclkede binlerce i\u015fletme s\u0131k\u0131nt\u0131da, iflas mahkemesine ba\u015fvuran ba\u015fvuruna, 1 milyon yurtta\u015f hacizlik, 9 milyon kart sahibi potansiyel olarak ortada duruyor; sizin derdiniz futbol kul\u00fcpleri mi?<\/p>\n<p>&nbsp;<\/p>\n<p>Yok, yok bu \u00fclkede i\u015fler ger\u00e7ekten z\u0131vanadan \u00e7\u0131kt\u0131.<\/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-1009627970\"><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 zor durumda olmayan i\u015fletme var m\u0131? Sanayiciler, ticarethaneler, hatta bireysel olarak vatanda\u015f\u2026 \u015e\u00f6yle bir g\u00f6z\u00fcn\u00fcz\u00fcn \u00f6n\u00fcnden ge\u00e7irin \u00e7evrenizdeki insanlar\u0131n ya\u015fad\u0131\u011f\u0131 maddi s\u0131k\u0131nt\u0131lar\u0131; hatta kendinizinkini\u2026&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-43773","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\/43773","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=43773"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/43773\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=43773"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=43773"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=43773"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}