{"id":4764,"date":"2011-09-07T16:30:30","date_gmt":"2011-09-07T13:30:30","guid":{"rendered":"http:\/\/www.bilgeyatirimci.com\/?p=4764"},"modified":"2011-09-07T17:50:45","modified_gmt":"2011-09-07T14:50:45","slug":"bankacilik-teroru-baslayabilir","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/bankacilik-teroru-baslayabilir\/","title":{"rendered":"Bankac\u0131l\u0131k Ter\u00f6r\u00fc Ba\u015flayabilir"},"content":{"rendered":"<p>Avrupa\u2019da bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn a\u00e7maz\u0131 derinle\u015fiyor. B\u00fcy\u00fcyen a\u00e7\u0131klar, geri d\u00f6nmeyen krediler ve fonlara kapt\u0131r\u0131lan paralar nedeniyle finansman yap\u0131lar\u0131 bozulan bir\u00e7ok bankan\u0131n \u00f6n\u00fcm\u00fczdeki s\u00fcre\u00e7te y\u0131k\u0131lmas\u0131 ihtimali konu\u015fuluyor.<\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-1946332723\"><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>Uzun s\u00fcredir mevcut olan bu sorun zaten makyajl\u0131 y\u00f6ntemlerle kapat\u0131lmaya \u00e7al\u0131\u015f\u0131ld\u0131. G\u00fcven ortam\u0131n\u0131n tesisini ama\u00e7layan uygulamalar, kimseyi tatmin etmeyen sonucu \u2018olumlu\u2019 g\u00f6stererek kamuoyunu yan\u0131ltmay\u0131 ama\u00e7layan stres testlerini hat\u0131rlayacaks\u0131n\u0131z.<\/p>\n<p>Fakat ne yap\u0131ld\u0131ysa sonu\u00e7 vermedi. \u00d6n\u00fcm\u00fczdeki s\u00fcre\u00e7, Avrupal\u0131 bir\u00e7ok bankan\u0131n yerle bir oldu\u011fu g\u00fcnlerin ya\u015fanmas\u0131na gebe&#8230; K\u00f6\u015feye s\u0131k\u0131\u015fan bankac\u0131l\u0131k sekt\u00f6r\u00fcne son darbe de Euro B\u00f6lgesi h\u00fck\u00fcmetlerinden geldi.<\/p>\n<p>Avrupa Birli\u011fi Maliye Bakanlar\u0131, 16 Eyl\u00fcl\u2019deki toplant\u0131n\u0131n \u00f6ncesinde yapt\u0131klar\u0131 de\u011ferlendirmede bir hususta anla\u015ft\u0131lar. Nedir o? Tespit Avrupa\u2019daki bankalar\u0131n ek sermaye ihtiya\u00e7lar\u0131n\u0131n a\u00e7\u0131k\u00e7a g\u00f6r\u00fcld\u00fc\u011f\u00fc olmas\u0131na kar\u015f\u0131n, e\u011filim ve muhtemel karar bankalar\u0131n fonlanmamas\u0131\u2026<\/p>\n<p>Bir ba\u015fka deyi\u015fle bu durum, zor durumdaki bir\u00e7ok bankan\u0131n da arka arkaya patlamas\u0131 anlam\u0131na gelecektir. \u015eimdi bu manzara kar\u015f\u0131s\u0131nda T\u00fcrkiye\u2019deki bankac\u0131l\u0131\u011f\u0131n m\u00fckemmel oldu\u011funu d\u00fc\u015f\u00fcnerek nispet yapanlar, hatta zil tak\u0131p oynayanlar var.<\/p>\n<p>\u015eunun alt\u0131n\u0131 \u00e7izelim ki bankac\u0131l\u0131\u011f\u0131m\u0131z 57. H\u00fck\u00fcmet zaman\u0131nda yap\u0131lan d\u00fczenlemeler sayesinde yap\u0131s\u0131n\u0131 nispi olarak d\u00fczeltti. Fakat bu durum yurtd\u0131\u015f\u0131ndaki bankalar\u0131n normal seyir i\u00e7inde s\u0131k\u0131nt\u0131 ya\u015famamas\u0131 ilkesi \u00fczerine kurulu\u2026<\/p>\n<p>T\u00fcrkiye\u2019de T\u00fcrk bankas\u0131 say\u0131s\u0131n\u0131n sermaye yap\u0131s\u0131na bak\u0131ld\u0131\u011f\u0131nda \u00f6nemli oranda azald\u0131\u011f\u0131n\u0131 d\u00fc\u015f\u00fcn\u00fcrsek, yurtd\u0131\u015f\u0131ndaki bu sars\u0131nt\u0131dan T\u00fcrkiye\u2019deki bankalar\u0131n etkilenmeyece\u011fini d\u00fc\u015f\u00fcnmek hayalcilik olur. Peki bu finans kurulu\u015flar\u0131n\u0131n men\u015fei ne olursa olsun, ya\u015famalar\u0131 olas\u0131 \u00f6nemli bir risk daha yok mu?<\/p>\n<p>Resesyona girmesine kesin g\u00f6z\u00fcyle bak\u0131lan Avrupa ekonomisinde t\u00fcketiciye, firmalara kredi satamayan, verdi\u011fi kredileri de tahsil etmekte zorlanan Avrupal\u0131 bankalar ne yapacak? Zora d\u00fc\u015fen her i\u015fletme gibi alacaklar\u0131n\u0131n pe\u015fine d\u00fc\u015fecek.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3192599013\"><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>\u0130\u015fte tam bu nokta bizi ilgilendiriyor. 2008 y\u0131l\u0131nda ya\u015fanan buhranda t\u00fcketicinin g\u00f6z\u00fcn\u00fcn ya\u015f\u0131na bakmadan kredileri erken \u00e7a\u011f\u0131ran bankac\u0131lar\u0131m\u0131z, Avrupa\u2019dan ald\u0131klar\u0131 sendikasyon kredileri vadesinden \u00f6nce \u00e7a\u011fr\u0131l\u0131rsa ne yapacak? \u015e\u00fcpheniz bile olmas\u0131n ki, buradaki kredi verdiklerine sald\u0131racak.<\/p>\n<p>Yine kimse zil tak\u0131p, oynamas\u0131n. Avrupa\u2019daki finans sekt\u00f6r\u00fcn\u00fcn ya\u015fayaca\u011f\u0131 kaos bize, bankac\u0131l\u0131k ter\u00f6r\u00fc olarak d\u00f6nebilir. Erken \u00e7a\u011fr\u0131lan krediler de bireylerin iflas\u0131na, firmalar\u0131n da y\u0131k\u0131m\u0131na kadar bir s\u00fcreci tetikler. Buna paralel i\u00e7te b\u00fcy\u00fck kar\u0131\u015f\u0131kl\u0131klar olur.<\/p>\n<p>Ekonomiyi y\u00f6netti\u011fini iddia edenler bence sa\u011fda solda \u2018T\u00fcrkiye resesyona girmez, bu i\u015ften k\u00e2rl\u0131 bile \u00e7\u0131kar\u2019 diye s\u00f6ylem politikas\u0131 ger\u00e7ekle\u015ftireceklerine, ekonomiyi y\u00f6netsinler. Aksi takdirde Londra\u2019y\u0131 \u0130svi\u00e7re Frang\u0131 \u00fczerinden bir gecede doland\u0131ranlar\u0131n, bu \u00fclkeye neler yapaca\u011f\u0131n\u0131 tahmin etmek zor de\u011fil.<\/p>\n<p>Vatanda\u015fa da tavsiyem \u015fu: E\u011fer kredi kulland\u0131ysan\u0131z ve olas\u0131 bir erken \u00e7a\u011f\u0131rmada g\u00fc\u00e7 duruma d\u00fc\u015fecekseniz, ne yap\u0131p edin o krediyi kapat\u0131n ya da bankan\u0131zla gidip yapt\u0131\u011f\u0131n\u0131z mukaveleyi g\u00f6zden ge\u00e7irin. \u00c7\u00fcnk\u00fc bu i\u015fin \u015fakas\u0131 yok.<\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-1817162752\"><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><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Avrupa\u2019da bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn a\u00e7maz\u0131 derinle\u015fiyor. B\u00fcy\u00fcyen a\u00e7\u0131klar, geri d\u00f6nmeyen krediler ve fonlara kapt\u0131r\u0131lan paralar nedeniyle finansman yap\u0131lar\u0131 bozulan bir\u00e7ok bankan\u0131n \u00f6n\u00fcm\u00fczdeki s\u00fcre\u00e7te y\u0131k\u0131lmas\u0131 ihtimali konu\u015fuluyor.&hellip;<\/p>\n","protected":false},"author":5,"featured_media":899,"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":[],"class_list":["post-4764","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tumyazilar"],"_links":{"self":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/4764","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=4764"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/4764\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media\/899"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=4764"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=4764"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=4764"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}