{"id":46514,"date":"2016-08-10T23:15:13","date_gmt":"2016-08-10T20:15:13","guid":{"rendered":"https:\/\/www.bilgeyatirimci.com\/?p=46514"},"modified":"2016-08-10T23:15:13","modified_gmt":"2016-08-10T20:15:13","slug":"cetin-unsalan-kredi-patates-degil-ki","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/cetin-unsalan-kredi-patates-degil-ki\/","title":{"rendered":"\u00c7etin \u00dcnsalan &#8211; Kredi patates de\u011fil ki\u2026  \u00a0"},"content":{"rendered":"<p><em><strong>T\u00fcrkiye ekonomisinin en sorunlu yan\u0131n\u0131 reel sekt\u00f6re ait krediler ve \u00f6demeler dengesi olu\u015fturuyor. Bu k\u0131r\u0131lgan olarak nitelendirilmemizin ba\u015f nedenleri aras\u0131nda geliyor. \u00dclkemizin hain bir kalk\u0131\u015fma ya\u015famas\u0131 ve ard\u0131 s\u0131ra gelen olaylarla bu ger\u00e7e\u011fi g\u00f6rmezlikten gelirsek, \u00e7ok \u00fcz\u00fcl\u00fcr\u00fcz.<\/strong><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-1030577385\"><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>\u00c7\u00fcnk\u00fc T\u00fcrkiye ekonomisi ger\u00e7ekten y\u0131llarca yap\u0131lan hatalar nedeniyle \u00fcretim noktas\u0131nda a\u00e7mazlarla birlikte ya\u015f\u0131yor. Nitekim \u0130SO\u2019nun ilk bin firmas\u0131n\u0131n k\u00e2r\u0131n\u0131n yar\u0131s\u0131n\u0131n finansman giderlerine gitmesi bunun en a\u00e7\u0131k kan\u0131t\u0131.<\/p>\n<p>Burada en \u00f6nemli risklerden birini de kredilerin erken \u00e7a\u011fr\u0131lmas\u0131 olu\u015fturuyor. Bu nedenle Cumhurba\u015fkan\u0131 Erdo\u011fan\u2019\u0131n bu uyar\u0131s\u0131n\u0131n \u00e7ok yerinde oldu\u011funu d\u00fc\u015f\u00fcn\u00fcyorum. B\u00f6ylesine hassas bir d\u00f6nemde kredilerin erken \u00e7a\u011fr\u0131lmas\u0131n\u0131n iyi niyetli okunmayaca\u011f\u0131n\u0131 s\u00f6yledi ve bence de \u00e7ok hakl\u0131.<\/p>\n<p>Zira bir kredinin zaman\u0131ndan \u00f6nce \u00e7a\u011fr\u0131lmas\u0131 firman\u0131n hayatiyetinden zincirleme etkisine kadar piyasan\u0131n bir\u00e7ok akt\u00f6r\u00fcn\u00fcn de iflas\u0131yla sonu\u00e7lanabilecek ve ekonomiye darbe vuracak bir eylemdir. Zaten ortada bir anla\u015fma varken, her ne kadar s\u00f6zle\u015fmelerde b\u00f6yle bir madde olsa da sudan gerek\u00e7elerle bu y\u00f6nteme ba\u015fvurulmas\u0131 \u00e7ok etik bir davran\u0131\u015f de\u011fil.<\/p>\n<p>Bunun etkilerini kriz d\u00f6nemlerinde iliklerimize kadar ya\u015fad\u0131k. \u00c7ok uzak de\u011fil, 2008 krizinde bile yap\u0131lan ilk eylem bu oldu ve o s\u00fcre\u00e7te zincirleme nas\u0131l bat\u0131\u015flar ya\u015fand\u0131\u011f\u0131n\u0131 g\u00f6rd\u00fck. Ke\u015fke Erdo\u011fan o zaman da ayn\u0131 hassasiyeti g\u00f6sterebilseydi.<\/p>\n<p>A\u00e7\u0131klamalar\u0131n di\u011fer b\u00f6l\u00fcmleri ise yine ciddi a\u00e7mazlarla dolu\u2026 Mesela sudan gerek\u00e7e diye belirtilen husus ne? \u00d6zellikle yeni verilecek kredilerde bankalar T\u00fcrkiye\u2019nin \u00f6n\u00fcne Basel 2 kriterlerini getirirse, zaten verilen krediler nedeniyle bir\u00e7ok ki\u015finin ba\u015f\u0131n\u0131n yanmas\u0131 gerekir.<\/p>\n<p>Faiz konusuna gelirsek, oradaki mant\u0131k da anla\u015f\u0131labilir de\u011fil. Cumhurba\u015fkan\u0131 diyor ki: \u2018s\u00fcr\u00fcmden kazan.\u2019 \u015eimdi bu patates de\u011fil ki \u00e7ok \u00fcretip, \u00e7ok sat\u0131nca daha \u00e7ok kazanas\u0131n. Verilen her kredi bir risktir ve tasarruflardan kaynakl\u0131 da olsa, d\u0131\u015far\u0131dan sendikasyon kredileri ile de finanse edilse hesap verme sorumlulu\u011funu ta\u015f\u0131r.<\/p>\n<p>Yani kredide s\u00fcr\u00fcmden kazanmak diye bir \u015fey olmaz. Riski da\u011f\u0131tmak olur ki, onu da reel sekt\u00f6r yerine t\u00fcketiciye ihtiya\u00e7 kredisi ya da kredi kart\u0131 vererek yapt\u0131lar. Ne yaz\u0131k ki bug\u00fcn hassasiyet g\u00f6sterenler de o d\u00f6nemde bunu desteklediler.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-1344165144\"><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>Faiz oran\u0131na bakarsak da o kafaya g\u00f6re belirlenecek bir \u015fey de\u011fil. Yine bankac\u0131l\u0131k kurallar\u0131 i\u00e7inde enflasyon ba\u015fta olmak \u00fczere maliyetlerin alt\u0131nda bir oranla verilemez. Verilirse de sunulan her kredi s\u00fcr\u00fcmden kazan\u00e7 de\u011fil, s\u00fcr\u00fcmden zarar olur.<\/p>\n<p>Ayr\u0131ca kredilerin yine gayrimenkul sekt\u00f6r\u00fc \u00fczerinde tart\u0131\u015f\u0131l\u0131yor olmas\u0131 da, a\u00e7\u0131k\u00e7as\u0131 \u2018\u00fcretim ekonomisine ge\u00e7iyoruz\u2019 s\u00f6ylemlerini tamamen \u00e7\u00f6pe at\u0131yor. Buraya verilecek kredinin piyasay\u0131, ba\u011flant\u0131l\u0131 olarak da 250\u2019ye yak\u0131n tedarik\u00e7i alt sekt\u00f6r\u00fc harekete ge\u00e7irece\u011fine inan\u0131yorsan\u0131z da, dan\u0131\u015fmanlar\u0131n soka\u011fa \u00e7\u0131kmaya ihtiyac\u0131 var demektir.<\/p>\n<p>\u00c7\u00fcnk\u00fc bu in\u015faat firmalar\u0131, uzun zamand\u0131r alt piyasalara \u00f6deme yapm\u0131yor ve \u00e7ok say\u0131da firman\u0131n batmas\u0131na bizzat neden oldular. Bankalar kadar, bu firmalar\u0131 da mercek alt\u0131na almak \u00e7ok da fena bir y\u00f6ntem olmayacakt\u0131r.<\/p>\n<p>Velhas\u0131l kelam o faiz meselesi de kredi mekanizmas\u0131 da \u00f6yle oturuldu\u011fu yerden d\u00fc\u015f\u00fcn\u00fcld\u00fc\u011f\u00fc gibi olmuyor. Ka\u015f yapay\u0131m derken g\u00f6z \u00e7\u0131karmamak i\u00e7in esnaf\u0131n korkmadan konu\u015fmas\u0131n\u0131 sa\u011flamak laz\u0131m.<\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-1710816833\"><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>Bankalar bu \u00fclkede kurallar\u0131 a\u015farak i\u015f yap\u0131yorlar m\u0131; yapt\u0131lar m\u0131? Evet\u2026 Ama bunun nedenini bankalarda de\u011fil, onlara bu hakk\u0131 verende ve kumar ekonomisini \u00fclkeye yerle\u015ftiren yakla\u015f\u0131mda arayacaks\u0131n\u0131z.<\/p>\n<p><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>T\u00fcrkiye ekonomisinin en sorunlu yan\u0131n\u0131 reel sekt\u00f6re ait krediler ve \u00f6demeler dengesi olu\u015fturuyor. Bu k\u0131r\u0131lgan olarak nitelendirilmemizin ba\u015f nedenleri aras\u0131nda geliyor. \u00dclkemizin hain bir kalk\u0131\u015fma&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-46514","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\/46514","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=46514"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/46514\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=46514"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=46514"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=46514"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}