{"id":48794,"date":"2017-02-09T02:22:38","date_gmt":"2017-02-08T23:22:38","guid":{"rendered":"https:\/\/www.bilgeyatirimci.com\/?p=48794"},"modified":"2017-02-09T02:22:38","modified_gmt":"2017-02-08T23:22:38","slug":"cetin-unsalan-dovizle-borclanmayi-engelledik-ama","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/cetin-unsalan-dovizle-borclanmayi-engelledik-ama\/","title":{"rendered":"\u00c7etin \u00dcnsalan &#8211; D\u00f6vizle bor\u00e7lanmay\u0131 engelledik ama\u2026"},"content":{"rendered":"<p><em><strong>Ekonomiden Sorumlu Ba\u015fbakan Yard\u0131mc\u0131s\u0131 Mehmet \u015eim\u015fek a\u00e7\u0131klad\u0131: 2008 y\u0131l\u0131ndaki d\u00fczenlemeyle vatanda\u015f\u0131n d\u00f6vizle bor\u00e7lanmas\u0131n\u0131 engellediklerini s\u00f6yledi ve \u2018iyi ki yapm\u0131\u015f\u0131z\u2019 dedi.<\/strong><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2313412317\"><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>Bence de iyi ki yap\u0131ld\u0131. Fakat meseleye sadece buradan bak\u0131p; dolayl\u0131 yoldan sorun yok anlam\u0131na gelebilecek ifadelerde bulunmak ger\u00e7e\u011fi yans\u0131tm\u0131yor. \u00c7\u00fcnk\u00fc 2008 Ekim ay\u0131nda dolar\/TL de\u011feri 1,56 seviyesinde. Bug\u00fcn ise 4 TL\u2019ye yakla\u015ft\u0131k; 3.70 seviyesine seviniyoruz.<\/p>\n<p>As\u0131l burada tart\u0131\u015f\u0131lmas\u0131 gereken vatanda\u015f\u0131n bor\u00e7lanma ihtiyac\u0131n\u0131 ortadan kald\u0131rd\u0131k m\u0131? O tarihte vatanda\u015f\u0131n bankalara olan borcu 116 milyar TL\u2019si kredi ve kredi kart\u0131 olmak \u00fczere, 2008\u2019in ilk \u00e7eyre\u011finde 320 milyar TL.<\/p>\n<p>2003 y\u0131l\u0131nda hane halk\u0131n\u0131n bor\u00e7 i\u00e7indeki oran\u0131 y\u00fczde 3 iken, bug\u00fcn y\u00fczde 50 \u2013 60 dilimi aras\u0131nda seyrediyor.<\/p>\n<p>2016 y\u0131l\u0131na geldi\u011fimizde ise bankalara olan bor\u00e7 miktar\u0131 400 milyar TL\u2019ye y\u00fckseldi. Bu s\u00fcre\u00e7 i\u00e7inde d\u00fc\u015fen al\u0131m g\u00fcc\u00fcn\u00fcn yaratt\u0131\u011f\u0131 tahribat, artan i\u015fsizlik, y\u00fckselen enflasyon, vatanda\u015f\u0131n borca ula\u015f\u0131m kapasitesi ise bamba\u015fka bir sorun.<\/p>\n<p>Ayr\u0131ca bu s\u00fcre\u00e7te bor\u00e7lanmas\u0131n\u0131 kontrol edemez bir bi\u00e7imde y\u00fckselten reel sekt\u00f6r, mali kesim de dikkat \u00e7ekiyor. Yani vatanda\u015f\u0131n TL baz\u0131nda bor\u00e7lanmas\u0131n\u0131 engellemi\u015f olabilir. Fakat \u00e7al\u0131\u015ft\u0131klar\u0131 firmalar\u0131n ve onlar\u0131 bu kredileri sunan finans kesiminin dolar baz\u0131nda bor\u00e7land\u0131\u011f\u0131 ger\u00e7e\u011fini de\u011fi\u015ftirmiyor.<\/p>\n<p>Bundan da anla\u015f\u0131l\u0131yor ki, \u00fclkenin toplam riski a\u00e7\u0131s\u0131ndan de\u011fi\u015fen bir \u015fey yok. Neticede bankac\u0131l\u0131k bunlar\u0131 d\u00f6viz cinsi \u00fczerinden T\u00fcrkiye\u2019ye getiriyor ve geri \u00f6demesini yaparken de yine d\u00f6viz cinsinden sunmak zorunda.<\/p>\n<p>Ba\u015fka bir deyi\u015fle, vatanda\u015f\u0131n ekstradan batmas\u0131n\u0131 engellemi\u015fiz, ama ayn\u0131 bireyin i\u015fvereninin ve krediyi temin eden noktan\u0131n d\u00f6viz riskini ortadan kald\u0131ramam\u0131\u015f\u0131z. \u00c7\u00fcnk\u00fc 2008 y\u0131l\u0131nda yapt\u0131\u011f\u0131m\u0131z hatan\u0131n fark\u0131na var\u0131p, bor\u00e7lanmaktan vazge\u00e7medik.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2441987106\"><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>T\u00fcm bunlar\u0131 alt alta koymadan yap\u0131lacak bir de\u011ferlendirme sa\u011fl\u0131kl\u0131 olamaz. Bug\u00fcn y\u0131pranan al\u0131m g\u00fcc\u00fc kar\u015f\u0131s\u0131nda, vatanda\u015f\u0131n bor\u00e7 \u00f6deme kabiliyetinin yok oldu\u011funu biliyoruz. Resmi rakamlara g\u00f6re 24 milyon icra dosyas\u0131 bir yanda, kayyuma atanan, iflas mahkemesinde dosyas\u0131 olan ve OHAL kapsam\u0131nda bu olanaktan da yararlanamayan firmalar ger\u00e7e\u011fi \u00f6te tarafta duruyor.<\/p>\n<p>Bu nedenle Mehmet \u015eim\u015fek, bunu \u00f6rnek g\u00f6stererek i\u015fin i\u00e7inden s\u0131yr\u0131lamaz. Bence de iyi ki vatanda\u015f\u0131n d\u00f6vizle bor\u00e7lanmas\u0131 \u00f6nlendi. Ama yine sorunu \u00e7\u00f6zecek bir \u015fey yap\u0131lmad\u0131\u011f\u0131 i\u00e7in \u00fclke problemi haline d\u00f6n\u00fc\u015fen bu konu, t\u00fcm ha\u015fmetiyle ortada duruyor.<\/p>\n<p>\u00dcz\u00fclerek g\u00f6r\u00fcyorum ki, T\u00fcrkiye halen ve \u0131srarla sorunla y\u00fczle\u015fmek ve bu yolla \u00e7\u00f6z\u00fcm aramak yerine, deveku\u015fu sendromu i\u00e7erisinde, problemi yok saymay\u0131 tercih ediyor. Ama ekonomide ger\u00e7e\u011fi yok sayamazs\u0131n\u0131z. O gelip, size kendini hat\u0131rlat\u0131r.<\/p>\n<p><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3715663889\"><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>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ekonomiden Sorumlu Ba\u015fbakan Yard\u0131mc\u0131s\u0131 Mehmet \u015eim\u015fek a\u00e7\u0131klad\u0131: 2008 y\u0131l\u0131ndaki d\u00fczenlemeyle vatanda\u015f\u0131n d\u00f6vizle bor\u00e7lanmas\u0131n\u0131 engellediklerini s\u00f6yledi ve \u2018iyi ki yapm\u0131\u015f\u0131z\u2019 dedi. Bence de iyi ki yap\u0131ld\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-48794","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\/48794","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=48794"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/48794\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=48794"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=48794"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=48794"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}