{"id":49211,"date":"2017-03-17T00:54:58","date_gmt":"2017-03-16T21:54:58","guid":{"rendered":"https:\/\/www.bilgeyatirimci.com\/?p=49211"},"modified":"2017-03-17T00:54:58","modified_gmt":"2017-03-16T21:54:58","slug":"cetin-unsalan-bir-karardan-daha-fazlasi","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/cetin-unsalan-bir-karardan-daha-fazlasi\/","title":{"rendered":"\u00c7etin \u00dcnsalan &#8211; Bir karardan daha fazlas\u0131  \u00a0"},"content":{"rendered":"<p><em><strong>Yarg\u0131tay 11. Hukuk Dairesi ge\u00e7ti\u011fimiz g\u00fcnlerde kar\u015f\u0131l\u0131ks\u0131z \u00e7ek ile ilgili \u00f6nemli bir karara imza att\u0131. 10 y\u0131l s\u00fcren bir davada al\u0131nan karar; bankan\u0131n bundaki sorumlulu\u011fu ad\u0131na emsal niteli\u011finde&#8230;<\/strong><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-485481331\"><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>Meselenin bug\u00fcne kadarki ve sonras\u0131nda geli\u015fecek s\u00fcrecini bir kenara koyarsak, Yarg\u0131tay 11. Daire\u2019nin vurgusunu ba\u015ftan okumakta fayda var.<\/p>\n<p>\u201cMahkeme, kar\u015f\u0131l\u0131ks\u0131z \u00e7ek veren \u015firketi de\u011fil, \u015firkete gerekli \u00f6zeni g\u00f6stermeden \u00e7ek karnesi veren bankay\u0131 su\u00e7lu buldu. Bankay\u0131 ma\u011fdurun u\u011frad\u0131\u011f\u0131 zarar\u0131n yar\u0131s\u0131n\u0131 \u00f6demeye mahk\u00fbm etti.\u201d<\/p>\n<p>Tam bu konu tart\u0131\u015f\u0131lmaya ba\u015flanm\u0131\u015ft\u0131 ki, bir karar da Tekirda\u011f \u00c7erkezk\u00f6y\u2019den geldi. Bu davada da mahkeme, sahte kimlikle bir bankada hesap a\u00e7arak, \u00e7ek karnesi alan ve piyasaya da\u011f\u0131tarak doland\u0131ran bir \u015fah\u0131stan bahsediyor.<\/p>\n<p>Alaca\u011f\u0131n\u0131n pe\u015fine d\u00fc\u015fen i\u015fadam\u0131, \u00e7eki verenin sahte kimlikle karneyi edindi\u011fini \u00f6\u011frenince bankaya dava a\u00e7\u0131yor. Yine Yarg\u0131tay karar\u0131nda borca konu olan 12 bin 600 TL\u2019nin faiziyle banka taraf\u0131ndan \u00f6denmesine karar veriyor.<\/p>\n<p>Her ikisinin de ortak noktas\u0131ndaki gerek\u00e7e, n\u00fcanslar olsa da bankalar\u0131n \u00e7ek karnesi verirken gerekli \u00f6zeni g\u00f6stermesi zorunlulu\u011funu ortaya koyan 3167 say\u0131l\u0131 \u00c7ek Yasas\u0131\u2019n\u0131n 2. Maddesi\u2026<\/p>\n<p>Bu vurgu ve gerek\u00e7eler, meseleyi bir karar\u0131n \u00f6tesine ta\u015f\u0131yor. \u00c7\u00fcnk\u00fc y\u0131llard\u0131r tart\u0131\u015fmal\u0131 hale gelen bir konuda ortaya konulmu\u015f b\u00f6yle bir irade, tamamen kesinle\u015fmesiyle birlikte ba\u015fka tart\u0131\u015fmalar\u0131 da g\u00fcndeme ta\u015f\u0131yacakt\u0131r.<\/p>\n<p>Tart\u0131\u015fman\u0131n boyutunu da bir madalyon gibi, iki y\u00fcz\u00fcyle de\u011ferlendirmekte fayda g\u00f6r\u00fcyorum. Esasen bundan k\u0131sa bir s\u00fcre \u00f6nce r\u00f6portaj\u0131m\u0131z s\u0131ras\u0131nda Beyaz\u0131t\u2019ta bir esnaf, \u00e7eki bo\u015f ve d\u00fcz bir k\u00e2\u011f\u0131ttan farkl\u0131 k\u0131lan\u0131n banka logosu oldu\u011funu belirterek, esnaf\u0131n toplan\u0131p bankalara dava a\u00e7mas\u0131 gerekti\u011fini s\u00f6ylemi\u015fti.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3752584164\"><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>O s\u00fcre\u00e7te bunun hukuki bir kar\u015f\u0131l\u0131\u011f\u0131 yoktu. Fakat \u015fimdi eldeki bu iki karar ,emsal niteli\u011fi ta\u015f\u0131r ve esnaf te\u015fkilatlar\u0131n\u0131n, mesleki \u00f6rg\u00fctlerin konuya mercek tutmas\u0131na olanak tan\u0131r. Bu nedenle konu takip edilmeli ve s\u0131k s\u0131k g\u00fcndeme ta\u015f\u0131nmal\u0131d\u0131r.<\/p>\n<p>\u00d6te yandan 2 binli y\u0131llar\u0131n ortas\u0131nda eski bir KOSGEB Ba\u015fkan\u0131, yakla\u015f\u0131mlar s\u0131ras\u0131ndaki tav\u0131r nedeniyle bana \u015fu sitemi yapm\u0131\u015ft\u0131: \u201c\u00c7etin buras\u0131 bankalar cumhuriyeti olmu\u015f. Ne yaparsan yap, lobiyi a\u015fam\u0131yorsun.\u201d O d\u00f6nemler, bug\u00fcn faiz lobisi diye tan\u0131m yapanlar, bankalara toz kondurmuyordu ve bankalar\u0131n her istedikleri oluyordu. \u015eimdi para bitti, a\u015fk bitti.<\/p>\n<p>Foto\u011fraf bu olunca s\u00fcreci takip etme zorunlulu\u011fu ortaya \u00e7\u0131k\u0131yor. Sekt\u00f6rel dernek ve odalar mutlaka bu kararlar\u0131n ak\u0131betinin takip\u00e7isi olmal\u0131d\u0131r. Yoksa yakla\u015f\u0131m diye ba\u015flayan s\u00fcre\u00e7lerin, nas\u0131l terse d\u00f6nd\u00fc\u011f\u00fcne \u015fahit bir tarih\u00e7emiz var.<\/p>\n<p>Gelelim madalyonun di\u011fer y\u00fcz\u00fcne&#8230; Merkez Bankas\u0131\u2019n\u0131n ald\u0131\u011f\u0131 faiz karar\u0131 da bankalar \u00fczerinden iktisadi bir operasyonun y\u00fcr\u00fct\u00fcld\u00fc\u011f\u00fcn\u00fcn ipu\u00e7lar\u0131n\u0131 veriyor. \u00d6te yandan faiz ile ilgili iktidar\u0131n ve Be\u015ftepe\u2019nin yakla\u015f\u0131m\u0131n\u0131 biliyoruz.<\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3083994197\"><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>T\u00fcrkiye\u2019de neden vadeli \u00e7ek ger\u00e7e\u011fi var? \u00c7\u00fcnk\u00fc sermaye yetersizli\u011fi \u00e7ok net ortada. Evrak ile d\u00f6nen, veresiye sistemini arkas\u0131na al\u0131p, muhtemel sat\u0131\u015flar\u0131n\u0131 hesap ederek elde edece\u011fi muhtemel gelire g\u00fcvenerek mal kar\u015f\u0131l\u0131\u011f\u0131 verilen k\u00e2\u011f\u0131t sistemi d\u00f6nd\u00fcr\u00fcyor.<\/p>\n<p>Bu tip bir s\u0131k\u0131la\u015fma da zaten zor durumdaki piyasan\u0131n tamamen t\u0131kanmas\u0131na neden olur. Zira ekonomi y\u00f6netimi \u015fu an i\u015f d\u00fcnyas\u0131 vas\u0131tas\u0131yla bas\u0131lan para anlam\u0131na gelen, \u00e7ek ile senette \u00fczerine yaz\u0131l\u0131 tutarlar\u0131 bilmiyor. Bunlar ancak i\u015fleme konduk\u00e7a resmile\u015fiyor.<\/p>\n<p>Velhas\u0131l kelam bir tarafta sermaye yetersizli\u011fini evrakla gideren reel sekt\u00f6r ger\u00e7e\u011fi, di\u011fer tarafta sorumsuzca \u00e7ek karnesi veren bankalar \u00e7eli\u015fkisi. Arada ortaya \u00e7\u0131kan k\u00f6t\u00fc niyetli ve f\u0131rsat\u00e7\u0131lar&#8230; Bankan\u0131n, yaprak ba\u015f\u0131na bin 410 TL sorumlulu\u011fu var. Ama o yapra\u011fa ben kar\u015f\u0131mdaki kabul ederse 500 bin TL yazabilirim. B\u00f6yle bir sistem olmaz.<\/p>\n<p>Ekonomi y\u00f6netiminin sanal g\u00fcndemlerle, hamasetle u\u011fra\u015fmak yerine bu iki karara dikkat etmesi, sistemi adaletli hale getirirken, ekonomik krizin boyutunu artt\u0131rmas\u0131, bankalar\u0131n da bu ortamda erken kredi \u00e7a\u011f\u0131rmalar\u0131na neden olacak ortam\u0131 yaratmamas\u0131 gerekir.<\/p>\n<p>Yani medyaya d\u00fc\u015fen haberler olarak bakt\u0131\u011f\u0131n\u0131z bu iki dosya ve neredeyse felsefi olarak ortak karar, san\u0131landan \u00e7ok da b\u00fcy\u00fck anlamlar ta\u015f\u0131yor.<\/p>\n<p>Elbette ilgisini \u00e7eken varsa. Yoksa geleneksel olarak \u00f6nemsemeyip, konuyla ilgili kriz \u00e7\u0131kt\u0131ktan sonra deveku\u015fu sendromunun ortas\u0131nda ne yapaca\u011f\u0131n bilemeyen \u015fah\u0131slar olarak dola\u015fman\u0131n hi\u00e7bir \u015feye faydas\u0131 olmad\u0131\u011f\u0131n\u0131 defalarca g\u00f6rd\u00fck.<\/p>\n<p><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Yarg\u0131tay 11. Hukuk Dairesi ge\u00e7ti\u011fimiz g\u00fcnlerde kar\u015f\u0131l\u0131ks\u0131z \u00e7ek ile ilgili \u00f6nemli bir karara imza att\u0131. 10 y\u0131l s\u00fcren bir davada al\u0131nan karar; bankan\u0131n bundaki sorumlulu\u011fu&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-49211","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\/49211","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=49211"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/49211\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=49211"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=49211"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=49211"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}