{"id":44019,"date":"2016-02-08T22:48:06","date_gmt":"2016-02-08T20:48:06","guid":{"rendered":"http:\/\/www.bilgeyatirimci.com\/?p=44019"},"modified":"2016-02-09T08:59:43","modified_gmt":"2016-02-09T06:59:43","slug":"teminatli-batis-yaratmayin","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/teminatli-batis-yaratmayin\/","title":{"rendered":"\u00c7etin \u00dcnsalan &#8211; Teminatl\u0131 bat\u0131\u015f yaratmay\u0131n"},"content":{"rendered":"<p><em><strong>Ekonomiden Sorumlu Ba\u015fbakan Yard\u0131mc\u0131s\u0131 Mehmet \u015eim\u015fek bir haz\u0131rl\u0131\u011f\u0131n haberini verdi. K\u00fc\u00e7\u00fck ve orta boy i\u015fletmelerin finansal kaynaklara daha rahat ula\u015fabilmesinin kolayla\u015ft\u0131r\u0131lmas\u0131\u2026<\/strong><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-1401341590\"><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>De\u011feri kendinden menkul medyam\u0131z, bunu KOB\u0130\u2019leri sevindirecek yeni bir sistem diye verse de, T\u00fcrkiye\u2019de baz\u0131 bak\u0131\u015f a\u00e7\u0131lar\u0131n\u0131n de\u011fi\u015fmedi\u011fini kan\u0131tlayan bu habere yine \u015fa\u015f\u0131 bakt\u0131. \u00c7\u00fcnk\u00fc teminat sorununa \u00e7\u00f6z\u00fcm olarak sunulan ve eyl\u00fcl ay\u0131na kadar Meclis\u2019te ge\u00e7irilece\u011fi s\u00f6ylenen bu haz\u0131rl\u0131k, esasen hi\u00e7bir anlam ifade etmiyor.<\/p>\n<p>&nbsp;<\/p>\n<p>\u00d6nce haz\u0131rl\u0131\u011f\u0131 hat\u0131rlatal\u0131m: Daha \u00f6nce finans kurulu\u015flar\u0131n\u0131n teminat olarak pek itibar etmedi\u011fi ta\u015f\u0131n\u0131r mallar da art\u0131k teminat olarak say\u0131labilecek. Birincisi siz nas\u0131l bir d\u00fczenleme yaparsan\u0131z yap\u0131n, \u00f6zel sekt\u00f6r bankac\u0131l\u0131\u011f\u0131n\u0131n buna uymas\u0131n\u0131 sa\u011flayamazs\u0131n\u0131z. Kamu bankalar\u0131 s\u00f6z konusu ise de o da g\u00f6rev zarar\u0131na girer ve ne yaz\u0131k ki yine adam\u0131na g\u00f6re muamele haline d\u00f6n\u00fc\u015f\u00fcr.<\/p>\n<p>&nbsp;<\/p>\n<p>Burada esas tart\u0131\u015f\u0131lmas\u0131 gereken kredilendirmenin nas\u0131l yap\u0131ld\u0131\u011f\u0131d\u0131r. Y\u0131llar \u00f6nce, yine AKP iktidarlar\u0131 s\u0131ras\u0131nda d\u00f6nemin Sanayi ve Ticaret Bakan\u0131\u2019na bir sohbet an\u0131nda \u015funu sormu\u015ftum: Neye g\u00f6re te\u015fvik veriyorsunuz? Bana te\u015fvikli b\u00f6lgelerden bahsedince, dedim ki durun ve devam ettim:<\/p>\n<p>&nbsp;<\/p>\n<p>Sanayi, tar\u0131m, i\u015f g\u00fcc\u00fc envanterini yapmam\u0131\u015f, n\u00fcfusu bile ger\u00e7ekten belli olmayan ve gelece\u011fe y\u00f6nelik \u00f6ncelikli sekt\u00f6rlerini belirlememi\u015f bir \u00fclkedeki te\u015fvik, alt\u0131 bo\u015f \u00e7uvala at\u0131lan parad\u0131r. T\u00fcrkiye\u2019de lobisi g\u00fc\u00e7l\u00fc olan te\u015fvik al\u0131r. D\u00fcn de b\u00f6yleydi; bug\u00fcn de b\u00f6yle\u2026<\/p>\n<p>&nbsp;<\/p>\n<p>Bunu s\u00f6yledi\u011fimde bir de \u00f6rnek verdim. Te\u015fvikli b\u00f6lgelerden birine gidip, plastik profil \u00fcretimi yapmak istesem, te\u015fvik al\u0131p alamayaca\u011f\u0131m\u0131 sordum. Al\u0131rs\u0131n yan\u0131t\u0131n\u0131 verince Bakan, o d\u00f6nemki oranlarla \u2018ama sekt\u00f6r y\u00fczde 30 kapasite \u00e7al\u0131\u015f\u0131yor\u2019 dedim. Elbette bunun yan\u0131t\u0131 yok.<\/p>\n<p>&nbsp;<\/p>\n<p>T\u00fcrkiye\u2019nin bir yol haritas\u0131, bilimsel ger\u00e7ek verileri yok ki, al\u0131nacak te\u015fviklerin, kredilerin bir anlam\u0131 olsun.<\/p>\n<p>&nbsp;<\/p>\n<p>Esnaftan KOB\u0130\u2019ye al\u0131nan kredilerin b\u00fcy\u00fck \u00f6l\u00e7\u00fcde devlete bor\u00e7 kapatmaya gitti\u011fini bilmezseniz, ger\u00e7ekten projesi olan\u0131n kredi bulmakta zorluk \u00e7ekti\u011fi g\u00f6rmezseniz, bu haberi yaparken de, bunu m\u00fcjde diye a\u00e7\u0131klarken de \u015fa\u015f\u0131 bakars\u0131n\u0131z.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-4017173238\"><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>K\u0131t kaynaklar\u0131n do\u011fru kullan\u0131m\u0131, geri d\u00f6n\u00fc\u015f\u00fc ve verimlili\u011fi a\u00e7\u0131s\u0131ndan meseleye bakmak zorundas\u0131n\u0131z. Bunun i\u00e7in de \u2018kimin ne mal\u0131, m\u00fclk\u00fc var\u2019 kayg\u0131s\u0131ndan kurtulup, \u2018nas\u0131l bir projesi var\u2019 noktas\u0131na gelmeniz gerekiyor.<\/p>\n<p>&nbsp;<\/p>\n<p>\u00dclkenin kaybetti\u011fi ihtisas bankac\u0131l\u0131\u011f\u0131 yeniden canland\u0131r\u0131lmad\u0131k\u00e7a, bir gelecek projeksiyonu i\u00e7inde projeler cesaretlendirilip, adeta risk sermaye \u015firketi gibi kredilendirilmedik\u00e7e sonu\u00e7 alamazs\u0131n\u0131z. T\u00fcrkiye\u2019de ihtisas bankas\u0131 olarak kurulanlar bile, mevduat bankac\u0131l\u0131\u011f\u0131na d\u00f6nd\u00fc. Bu yap\u0131, reel sekt\u00f6rden kopar\u0131lmal\u0131d\u0131r.<\/p>\n<p>&nbsp;<\/p>\n<p>\u00c7\u00fcnk\u00fc mevduat bankas\u0131 teminata bakar; ihtisas bankas\u0131 ise i\u015fe, projeye, geri d\u00f6n\u00fc\u015f\u00fcme ve fikrin end\u00fcstriyel olup olmad\u0131\u011f\u0131na odaklan\u0131r. \u00dclkedeki bankalarda ya da finans kurulu\u015flar\u0131nda b\u00f6ylesine bir talep kar\u015f\u0131s\u0131nda, bu analizi yapabilecek nitelikli kadro bile yok.<\/p>\n<p>&nbsp;<\/p>\n<p>Bankac\u0131l\u0131\u011f\u0131 rakamdan ibaret zannederseniz, bir s\u00fcre sonra T\u00fcrkiye\u2019de oldu\u011fu gibi finans kurulu\u015flar\u0131n\u0131 ekonominin enstr\u00fcman\u0131 olmaktan \u00e7\u0131kar\u0131r, kendisi zannetmeye ba\u015flars\u0131n\u0131z. Proje bankac\u0131l\u0131\u011f\u0131 konu\u015facaksak, konu\u015fal\u0131m; yoksa insanlar\u0131 kand\u0131rmay\u0131n. Bu kafayla al\u0131nacak sonu\u00e7 b\u00fcy\u00fcme, geli\u015fme, zenginlik de\u011fil, teminatl\u0131 bat\u0131\u015f olur.<\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3789694856\"><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><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ekonomiden Sorumlu Ba\u015fbakan Yard\u0131mc\u0131s\u0131 Mehmet \u015eim\u015fek bir haz\u0131rl\u0131\u011f\u0131n haberini verdi. K\u00fc\u00e7\u00fck ve orta boy i\u015fletmelerin finansal kaynaklara daha rahat ula\u015fabilmesinin kolayla\u015ft\u0131r\u0131lmas\u0131\u2026 &nbsp; De\u011feri kendinden menkul&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-44019","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\/44019","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=44019"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/44019\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=44019"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=44019"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=44019"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}