{"id":45526,"date":"2016-05-20T15:07:53","date_gmt":"2016-05-20T12:07:53","guid":{"rendered":"https:\/\/www.bilgeyatirimci.com\/?p=45526"},"modified":"2016-05-20T15:07:53","modified_gmt":"2016-05-20T12:07:53","slug":"ali-agaoglu-faiz-inerse-kredi-muslugu-acilir-mi","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/ali-agaoglu-faiz-inerse-kredi-muslugu-acilir-mi\/","title":{"rendered":"Ali A\u011fao\u011flu &#8211;\u00a0Faiz inerse kredi muslu\u011fu a\u00e7\u0131l\u0131r m\u0131?"},"content":{"rendered":"<p><strong><em>\u00d6n\u00fcm\u00fczdeki hafta yap\u0131lacak Para Politikas\u0131 Kurulu (PPK) toplant\u0131s\u0131ndan yeni bir faiz indirimi gelecek mi, merakla bekleniyor. <\/em><\/strong><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-1813965741\"><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>Yeni ba\u015fkan\u0131n ilk toplant\u0131s\u0131ndaki 50 baz puanl\u0131k indiriminden \u00f6nce bankalar faiz indirim beklentisiyle iki \u015fey yapt\u0131. \u0130lki mevduat faizlerini \u2018\u00f6nden beslemeli\u2019 olarak d\u00fc\u015f\u00fcrmeye ba\u015flad\u0131lar. \u0130kincisi disponibilite i\u00e7in tutmak zorunda olduklar\u0131 rakamlar\u0131 azaltt\u0131lar ve bunu d\u00fc\u015f\u00fck faiz d\u00f6nemine ertelediler.<\/p>\n<p>Bu da Merkez Bankas\u0131\u2019n\u0131n (TCMB) bankalara sa\u011flad\u0131\u011f\u0131 fonlaman\u0131n d\u00fc\u015fmesine neden oldu. Bu durum \u00fclkeye para giri\u015fi oldu\u011fu; bu nedenle fonlama ihtiyac\u0131n\u0131n azald\u0131\u011f\u0131 gibi ger\u00e7eklerle pek de \u00f6rt\u00fc\u015fmeyen yorumlar\u0131 beraberinde getirdi. Nitekim toplam bor\u00e7lanma bug\u00fcnlerde 98 milyar TL\u2019ye ula\u015ft\u0131.<\/p>\n<p>Di\u011fer yandan bankac\u0131l\u0131k sekt\u00f6r\u00fcnde iki temel sorun var ki bu sorunlar devam ettik\u00e7e yeni kredi vermeleri hayli zor olacak. Bunlardan ilki sermaye yeterlilik oranlar\u0131. 2008 krizinde y\u00fczde 16-17\u2019lerde olan bu oran son aylarda y\u00fczde 12-13\u2019lere kadar geriledi. Yeni sermaye koymak istemeyen bankalar yurt d\u0131\u015f\u0131nda y\u00fczde 8.5-9.0 faizlerle sermaye benzeri dolar cinsinden (Tier II) bono ihra\u00e7 ediyorlar.<\/p>\n<p>Yaz\u0131n\u0131n devam\u0131 i\u00e7in <a href=\"http:\/\/www.gazetevatan.com\/ali-agaoglu-946906-yazar-yazisi-faiz-inerse-kredi-muslugu-acilir-mi-\/\" target=\"_blank\" data-wpel-link=\"external\" rel=\"nofollow external noopener\">TIKLAYINIZ<\/a>. (Vatan Gazetesi)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00d6n\u00fcm\u00fczdeki hafta yap\u0131lacak Para Politikas\u0131 Kurulu (PPK) toplant\u0131s\u0131ndan yeni bir faiz indirimi gelecek mi, merakla bekleniyor. Yeni ba\u015fkan\u0131n ilk toplant\u0131s\u0131ndaki 50 baz puanl\u0131k indiriminden \u00f6nce&hellip;<\/p>\n","protected":false},"author":19,"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":[856,808,801],"class_list":["post-45526","post","type-post","status-publish","format-standard","hentry","category-tumyazilar","tag-ali-agaoglu-yazilari","tag-ekonomi-makaleleri","tag-ekonomi-yazarlari-listesi"],"_links":{"self":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/45526","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\/19"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/comments?post=45526"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/45526\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=45526"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=45526"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=45526"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}