{"id":48632,"date":"2017-01-30T13:55:03","date_gmt":"2017-01-30T10:55:03","guid":{"rendered":"https:\/\/www.bilgeyatirimci.com\/?p=48632"},"modified":"2017-01-31T13:56:10","modified_gmt":"2017-01-31T10:56:10","slug":"mahfi-egilmez-bankalar-tahsil-edemedikleri-alacaklarini-ne-yapar","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/mahfi-egilmez-bankalar-tahsil-edemedikleri-alacaklarini-ne-yapar\/","title":{"rendered":"Mahfi E\u011filmez &#8211;\u00a0Bankalar Tahsil Edemedikleri Alacaklar\u0131n\u0131 Ne Yapar?"},"content":{"rendered":"<p><strong><em>Bankalar\u0131n Tahsil Edemedi\u011fi Alacaklar ve \u0130zledikleri Yol<\/em><\/strong><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2187069838\"><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>Bankalar, normal ko\u015fullarda, a\u00e7t\u0131klar\u0131 kredileri vadesi geldi\u011finde faiziyle birlikte tahsil ederler. Bu durumda ortalama maliyetleri ile a\u00e7t\u0131klar\u0131 kredilerden elde ettikleri faiz gelirleri aras\u0131ndaki fark bankalar\u0131n br\u00fct kazanc\u0131n\u0131 olu\u015fturur. Buna kar\u015f\u0131l\u0131k bankalar a\u00e7t\u0131klar\u0131 kredilerin bir b\u00f6l\u00fcm\u00fcn\u00fc \u00e7e\u015fitli nedenlerle zaman\u0131nda tahsil edemezler.<\/p>\n<p>Bankalar, a\u00e7t\u0131klar\u0131 kredinin belirli s\u00fcrelerde \u00f6denmemesi halinde bunlar\u0131 \u00f6nce idari takibe, sonra yasal takibe alarak izlemeye devam ederler ve bir yandan da bu kredinin teminat\u0131n\u0131 nakde \u00e7evirmeye y\u00f6nelirler. E\u011fer teminat\u0131 nakde \u00e7evirerek alaca\u011f\u0131n tamam\u0131n\u0131 tahsil etmi\u015flerse ortaya bir zarar \u00e7\u0131kmaz. Buna kar\u015f\u0131l\u0131k teminat\u0131n nakde \u00e7evrilmesine kar\u015f\u0131n alacaklar\u0131n\u0131n tamam\u0131n\u0131 kar\u015f\u0131layamazlarsa o zaman ortaya bir zarar \u00e7\u0131kar. Banka bunu zarar olarak yazar. Diyelim ki 100.000 TL tutar\u0131nda ve kar\u015f\u0131l\u0131\u011f\u0131nda ayn\u0131 de\u011ferde oldu\u011fu belirlenmi\u015f olan bir teminat verilerek al\u0131nm\u0131\u015f 1 y\u0131l vadeli bir kredi s\u00f6z konusu olsun. 1 y\u0131ll\u0131k s\u00fcrenin sonunda krediyi alan borcunu \u00f6dememi\u015fse banka 90 g\u00fcnl\u00fck s\u00fcre i\u00e7inde bu alaca\u011f\u0131 idari takip y\u00f6ntemiyle izlemeye ba\u015flar ve bor\u00e7luyla g\u00f6r\u00fc\u015ferek alaca\u011f\u0131 tahsile \u00e7al\u0131\u015f\u0131r. E\u011fer bu s\u00fcre i\u00e7inde bu alaca\u011f\u0131n tahsili m\u00fcmk\u00fcn olmazsa banka bu kez yasal takibe ba\u015flayarak bir yandan teminat\u0131 paraya \u00e7evirmeye \u00e7al\u0131\u015f\u0131r bir yandan da bor\u00e7luya gerekli yapt\u0131r\u0131mlar\u0131 uygulamaya ba\u015flar.<\/p>\n<p>Yaz\u0131n\u0131n devam\u0131 i\u00e7in <a href=\"http:\/\/www.mahfiegilmez.com\/2017\/01\/bankalar-tahsil-edemedikleri-alacaklarn.html\" target=\"_blank\" data-wpel-link=\"external\" rel=\"nofollow external noopener\">TIKLAYINIZ<\/a>. (Mahfiegilmez.Com)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bankalar\u0131n Tahsil Edemedi\u011fi Alacaklar ve \u0130zledikleri Yol Bankalar, normal ko\u015fullarda, a\u00e7t\u0131klar\u0131 kredileri vadesi geldi\u011finde faiziyle birlikte tahsil ederler. Bu durumda ortalama maliyetleri ile a\u00e7t\u0131klar\u0131 kredilerden&hellip;<\/p>\n","protected":false},"author":12,"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":[808,801,847],"class_list":["post-48632","post","type-post","status-publish","format-standard","hentry","category-tumyazilar","tag-ekonomi-makaleleri","tag-ekonomi-yazarlari-listesi","tag-mahfi-egilmez-yazilari"],"_links":{"self":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/48632","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\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/comments?post=48632"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/48632\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=48632"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=48632"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=48632"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}