{"id":49231,"date":"2017-03-19T21:24:49","date_gmt":"2017-03-19T18:24:49","guid":{"rendered":"https:\/\/www.bilgeyatirimci.com\/?p=49231"},"modified":"2017-03-19T21:24:49","modified_gmt":"2017-03-19T18:24:49","slug":"cetin-unsalan-notunun-goturdugu-yere-git","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/cetin-unsalan-notunun-goturdugu-yere-git\/","title":{"rendered":"\u00c7etin \u00dcnsalan &#8211; Notunun g\u00f6t\u00fcrd\u00fc\u011f\u00fc yere git  \u00a0"},"content":{"rendered":"<p><em><strong>Moody\u2019s T\u00fcrkiye\u2019nin not g\u00f6r\u00fcn\u00fcm\u00fcn\u00fc dura\u011fandan negatife \u00e7evirdi. A\u00e7\u0131k\u00e7as\u0131 \u00fclkemizde bu mesele pek ciddiye al\u0131nmasa da, zannedildi\u011finden daha \u00f6nemli bir problem oldu\u011funu vurgulamak gerekiyor.<\/strong><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-963515072\"><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>B\u00f6ylesi bir konuyu ne zaman ciddiye almazs\u0131n\u0131z? Cebinizde para vard\u0131r ya da \u00f6yle bir ekonomiye sahipsinizdir ki, mesela t\u00fcm d\u00fcnyaya satt\u0131\u011f\u0131n\u0131z \u00fcr\u00fcnlerle vazge\u00e7ilmez ve katma de\u011feri cebine koyan bir yap\u0131das\u0131n\u0131zd\u0131r.<\/p>\n<p>Fakat y\u0131llarca ekonomiyi dev\u015firip, s\u0131cak paraya ba\u011f\u0131ml\u0131, bor\u00e7lu bir hale getirdiyseniz, \u2018g\u00f6rm\u00fcyorum\u2019 oynama \u015fans\u0131n\u0131z yok. Bu karar\u0131n adaletli ya da adaletsiz olmas\u0131 \u00f6nemli de\u011fil. Vakan\u0131n kendisi, nakit finansman ihtiyac\u0131 olan T\u00fcrkiye\u2019nin para bulamamas\u0131n\u0131n alt\u0131n\u0131 \u00e7izmek ya da \u00e7ok maliyetle finansman elde etmek gibi sonu\u00e7lar do\u011furacakt\u0131r.<\/p>\n<p>B\u00f6ylesi bir tablo ile kar\u015f\u0131 kar\u015f\u0131ya kald\u0131\u011f\u0131n\u0131zda, e\u011fer \u00fclkenizin bir bakan\u0131, ki o isim \u00c7al\u0131\u015fma ve Sosyal G\u00fcvenlik Bakan\u0131 Mehmet M\u00fcezzino\u011flu \u201cBu Millet kendi notunu kendi verir\u201d derse, b\u00fct\u00fcn d\u00fcnya da size g\u00fcler.<\/p>\n<p>Bu Millet, kendine not verir de, o notun kar\u015f\u0131l\u0131\u011f\u0131 olmaz. Daha a\u00e7\u0131k bir ifadeyle anlatmak gerekirse, bir de \u015fu \u00f6rne\u011fi deneyelim. \u0130\u015fyerinizden ald\u0131\u011f\u0131n\u0131z gelir yetmedi\u011fi i\u00e7in i\u015fi b\u0131rakm\u0131\u015fs\u0131n\u0131z. Bu s\u00fcre\u00e7te bankalara olan borcunuz da var. Mali ihtiya\u00e7lar\u0131n\u0131z\u0131 da bankalardan elde etti\u011finiz kredilerle elde ediyorsunuz.<\/p>\n<p>Sonra bir g\u00fcn, bankalar art\u0131k sizin kredi verilmesi ad\u0131na riskli bir m\u00fc\u015fteri oldu\u011funu dillendirmeye ba\u015fl\u0131yor. Cebinizde para yok; di\u011fer yanda ihtiyac\u0131n\u0131z\u0131 kar\u015f\u0131lamak ad\u0131na sabit gideriniz s\u00f6z konusu.<\/p>\n<p>Banka da size kredi vermeyece\u011fini, \u00e7\u00fcnk\u00fc kredi risk puan\u0131n\u0131z\u0131n \u00e7ok s\u0131k\u0131nt\u0131 oldu\u011funu s\u00f6yledi. Bu durumda kendinize not verin. T\u0131pk\u0131 Bakan M\u00fcezzino\u011flu\u2019nun dedi\u011fi gibi&#8230; O kredibiliteyle markete gidin, al\u0131\u015fveri\u015f yap\u0131n.<\/p>\n<p>Kasaya geldi\u011finizde cebinizde para olmad\u0131\u011f\u0131na g\u00f6re, kredi kart\u0131n\u0131z\u0131 uzat\u0131n. \u0130\u015flem s\u0131ras\u0131nda limitinizin d\u00fc\u015f\u00fcr\u00fcld\u00fc\u011f\u00fc s\u00f6ylensin. Markete \u015funu diyebilir misiniz? \u201cSiz bankaya bakmay\u0131n; ben kendime not verdim; durumum iyi.\u201d<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-1961858295\"><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\u015fadam\u0131s\u0131n\u0131z; yine ihtiya\u00e7lar\u0131n\u0131z i\u00e7in kredi kullanma limitiniz dolmu\u015f. Mal almaya gittiniz. Cebinizde \u00e7ek var. Kestiniz ve sat\u0131c\u0131 bunun sistemde sa\u011flamas\u0131n\u0131 yapt\u0131 ve kredibilitenizin iyi olmad\u0131\u011f\u0131n\u0131, \u00e7eki kabul edemeyece\u011fini s\u00f6yledi. Ne diyeceksiniz?<\/p>\n<p>\u201cSiz bankaya bakmay\u0131n; ben kendime not verdim; durumum iyi.\u201d Sadece bu iki \u00f6rnekten yola \u00e7\u0131karsan\u0131z, olu\u015fan tabloyu akl\u0131n\u0131z al\u0131yor mu? \u0130\u015fte T\u00fcrkiye\u2019nin durumu, verilen notun kar\u015f\u0131l\u0131\u011f\u0131 ve Bakan M\u00fcezzino\u011flu\u2019nun yorumunun ciddiyeti bundan ibaret.<\/p>\n<p>\u00c7al\u0131\u015fma Bakan\u0131 \u00f6nce \u00fclkedeki i\u015f kazalar\u0131n\u0131 halletsin, bu tip makro iktisadi konular\u0131 da ekonomi bakanlar\u0131na b\u0131raks\u0131n.<\/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-3695001716\"><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","protected":false},"excerpt":{"rendered":"<p>Moody\u2019s T\u00fcrkiye\u2019nin not g\u00f6r\u00fcn\u00fcm\u00fcn\u00fc dura\u011fandan negatife \u00e7evirdi. A\u00e7\u0131k\u00e7as\u0131 \u00fclkemizde bu mesele pek ciddiye al\u0131nmasa da, zannedildi\u011finden daha \u00f6nemli bir problem oldu\u011funu vurgulamak gerekiyor. B\u00f6ylesi bir&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-49231","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\/49231","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=49231"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/49231\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=49231"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=49231"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=49231"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}