{"id":47374,"date":"2016-10-31T20:43:22","date_gmt":"2016-10-31T17:43:22","guid":{"rendered":"https:\/\/www.bilgeyatirimci.com\/?p=47374"},"modified":"2016-10-31T20:43:22","modified_gmt":"2016-10-31T17:43:22","slug":"cetin-unsalan-tek-tefeci-bankalar-mi","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/cetin-unsalan-tek-tefeci-bankalar-mi\/","title":{"rendered":"\u00c7etin \u00dcnsalan &#8211; Tek tefeci bankalar m\u0131?  \u00a0"},"content":{"rendered":"<p><em><strong>Ekonomi Bakan\u0131 Nihat Zeybek\u00e7i, tefeci mant\u0131\u011f\u0131yla \u00e7al\u0131\u015fan bankalara gere\u011fini yapacaklar\u0131n\u0131 s\u00f6yledi. Bu \u00fclkede bankalar\u0131n zaman i\u00e7erisinde insanlar\u0131, firmalar\u0131 \u00f6nce bor\u00e7land\u0131r\u0131p, sonra da hangi ko\u015fullarda s\u0131k\u0131\u015ft\u0131rd\u0131\u011f\u0131n\u0131 biliyoruz.<\/strong><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3153844498\"><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>\u00dclkedeki t\u00fcketici kanunlar\u0131 ihlal edilirken, bug\u00fcn yak\u0131nanlar\u0131n \u015fik\u00e2yetleri nas\u0131l g\u00f6rmezden geldi\u011fini, y\u00fcksek faizlerle kredi kartlar\u0131nda ma\u011fdurlar olu\u015furken, t\u00fcketimden vergi toplamak ad\u0131na insanlar\u0131n borca bat\u0131r\u0131lmas\u0131n\u0131 nas\u0131l alk\u0131\u015flad\u0131klar\u0131n\u0131 hen\u00fcz unutmad\u0131k.<\/p>\n<p>Sadece bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn bile T\u00fcrk bankalar\u0131 olmaktan \u00e7\u0131k\u0131p, a\u011f\u0131rl\u0131kl\u0131 bi\u00e7imde yabanc\u0131lar\u0131n eline ge\u00e7mesiyle T\u00fcrkiye\u2019deki bankalar haline geldi\u011fi bir ortamda acaba bu kimin eseri?<\/p>\n<p>Fakat bug\u00fcn geldi\u011fimiz faiz, enflasyon ve kredilendirme ba\u015fl\u0131klar\u0131nda, ne yaz\u0131k ki bankalar\u0131n sistemin tamam\u0131n\u0131 de\u011fi\u015ftirmeden yapabilecekleri \u00e7ok \u015fey yok. E\u011fer paran\u0131n bir maliyeti varsa, siz istatistiklerle ne kadar oynarsan\u0131z oynay\u0131n, o maliyeti ortadan kald\u0131ram\u0131yorsunuz.<\/p>\n<p>Yani faiz saplant\u0131s\u0131 i\u00e7inde s\u00fcrekli i\u00e7i bo\u015f s\u00f6ylemlerle \u2018d\u00fc\u015f\u00fcr\u2019 diye ba\u011f\u0131ranlar bir \u015feyi yanl\u0131\u015f biliyor. Faiz d\u00fc\u015f\u00fcrd\u00fc\u011f\u00fcn i\u00e7in enflasyon d\u00fc\u015fmez. Faiz bir enflasyon maliyetini kar\u015f\u0131lama bi\u00e7imidir ve enflasyon d\u00fc\u015ferse faiz geriler.<\/p>\n<p>Vatanda\u015f\u0131 baz\u0131 istatistik oyunlar\u0131yla aldat\u0131p, yalan yanl\u0131\u015f enflasyon rakamlar\u0131yla ortada dola\u015fman\u0131z, paray\u0131 uluslararas\u0131 piyasadan toplayan bankac\u0131lar ve alacakl\u0131lar\u0131 i\u00e7in pek bir anlam ifade etmiyor.<\/p>\n<p>Ortada \u00f6ylesine b\u00fcy\u00fck bir samimiyetsizlik var ki, y\u0131llarca y\u00fcksek uygulanan faizlere ba\u015flar\u0131n\u0131 \u00e7evirdiler; bankalar\u0131n projelere de\u011fil, t\u00fcketime kredi vermesini desteklediler; kurallara uymamalar\u0131na g\u00f6z yumdular; daha k\u0131sa s\u00fcre \u00f6nce t\u00fcketici kanununu bankalar\u0131 ma\u011fdur etmeyecek bi\u00e7imde d\u00fczenlediler; \u015fimdi \u00e7\u0131km\u0131\u015f naylon kahramanl\u0131k yap\u0131yorlar.<\/p>\n<p>E\u011fer dert vatanda\u015f\u0131n, i\u015fadam\u0131n\u0131n ma\u011fduriyeti ise ve tefeci ar\u0131yorsak, sadece bankalar\u0131 verip kurtulamazs\u0131n\u0131z. Sular idaresinden belediyelere, vergi dairesinden i\u015fsizden sigorta primi isteyen SGK\u2019ya kadar hepsini i\u015fin i\u00e7ine sokman\u0131z gerekir. Bunlar\u0131n bir\u00e7o\u011funun da belediyeler \u00fczerinden iktidar partisine ve kurumlar \u00fczerinden de y\u00fcr\u00fctmeye ba\u011fl\u0131 organlar oldu\u011fu hat\u0131rlat\u0131r\u0131m.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2638861404\"><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>E\u011fer ilke insanlar\u0131 haks\u0131z yere ve g\u00fc\u00e7lerini, haklar\u0131n\u0131 zorlayarak s\u00f6m\u00fcrmek ise; insanlardan deprem vergisini toplay\u0131p onu yola yat\u0131ran bankadan daha m\u0131 masum?<\/p>\n<p>Deprem toplanma alanlar\u0131n\u0131 imara a\u00e7an, rant u\u011fruna g\u00fcvenlikten m\u00fclkiyet hakk\u0131na kadar her \u015feyi g\u00f6z ard\u0131 eden bankadan daha m\u0131 masum?<\/p>\n<p>\u0130stanbul\u2019dan \u00f6rnek verelim. Art\u0131k hi\u00e7bir yere tek vas\u0131tayla gidilemiyor. \u0130nsanlar\u0131n \u00fccretleri bu oranda zamlanmazken, ula\u015f\u0131m giderlerinin neredeyse ortalama iki kat\u0131na \u00e7\u0131km\u0131\u015f olmas\u0131 bankac\u0131lar\u0131n yapt\u0131klar\u0131ndan daha masum bir hareket mi?<\/p>\n<p>M\u00fckellefleri vergi dairelerine \u00e7a\u011f\u0131r\u0131p, neden \u00f6deyemedi\u011fini sormay\u0131p, ortada mal ve hizmet olmadan fatura kestiren ve salma vergi \u00e7\u0131karan, bankac\u0131dan daha m\u0131 masum?<\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2802531837\"><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>Ger\u00e7ek d\u0131\u015f\u0131 verilerle, insanlar\u0131 ger\u00e7e\u011fine yabanc\u0131la\u015ft\u0131ran, \u00fc\u00e7 tane ilan ya da reklam almak i\u00e7in, b\u00fct\u00fcn i\u00e7inde \u00f6nemli, ama asla lokomotif olamayacak ve h\u0131zla bat\u0131\u011fa ko\u015fan in\u015faat sekt\u00f6r\u00fcn\u00fc, onu destekleyen ekonomik zihniyetini g\u00f6rmezden gelen medya, siyaset\u00e7i, bankac\u0131dan daha m\u0131 masum?<\/p>\n<p>O y\u00fczden ger\u00e7ekten, samimiyetle bir \u015feyleri d\u00fczeltmek istiyorsan\u0131z, \u00f6nce hepsini konu\u015facaks\u0131n\u0131z. \u00c7\u00fcnk\u00fc bu sistem tam bir kara d\u00fczen ve siyaset de, bankalar da y\u0131llarca bundan beslendi. \u015eimdi kimse kalk\u0131p safl\u0131k edebiyat\u0131 yapmas\u0131n.<\/p>\n<p><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ekonomi Bakan\u0131 Nihat Zeybek\u00e7i, tefeci mant\u0131\u011f\u0131yla \u00e7al\u0131\u015fan bankalara gere\u011fini yapacaklar\u0131n\u0131 s\u00f6yledi. Bu \u00fclkede bankalar\u0131n zaman i\u00e7erisinde insanlar\u0131, firmalar\u0131 \u00f6nce bor\u00e7land\u0131r\u0131p, sonra da hangi ko\u015fullarda s\u0131k\u0131\u015ft\u0131rd\u0131\u011f\u0131n\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-47374","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\/47374","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=47374"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/47374\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=47374"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=47374"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=47374"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}