{"id":49262,"date":"2017-03-22T00:14:22","date_gmt":"2017-03-21T21:14:22","guid":{"rendered":"https:\/\/www.bilgeyatirimci.com\/?p=49262"},"modified":"2017-03-22T00:14:22","modified_gmt":"2017-03-21T21:14:22","slug":"cetin-unsalan-sakal-biyik-kredisi","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/cetin-unsalan-sakal-biyik-kredisi\/","title":{"rendered":"\u00c7etin \u00dcnsalan &#8211; Sakal b\u0131y\u0131k kredisi  \u00a0"},"content":{"rendered":"<p><em><strong>Reel sekt\u00f6r\u00fcn finansman s\u0131k\u0131nt\u0131s\u0131 b\u00fcy\u00fcyor. Bu konuda bakanlardan meslek \u00f6rg\u00fctlerine kadar herkes bankalardan anlay\u0131\u015f bekliyor. Haks\u0131z bir beklenti mi; i\u015fin \u00f6zelinde bakarsan\u0131z hay\u0131r. Fakat bu mesele anlay\u0131\u015f g\u00f6stermek ile ilgili de\u011fil.<\/strong><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-1417213600\"><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>T\u00fcrkiye\u2019de finansman s\u0131k\u0131nt\u0131s\u0131 devletin hazinesinden vatanda\u015f\u0131n ayl\u0131k harcamas\u0131na kadar her a\u015famada b\u00fcy\u00fcyen bir problem halinde ortada duruyor. Lakin sa\u011fl\u0131kl\u0131 bir de\u011ferlendirme yapabilmek i\u00e7in, \u00f6nce bunu sa\u011flayacak finans sisteminin durumunun ne oldu\u011funa bakmak laz\u0131m.<\/p>\n<p>E\u011fer bundan 10 sene \u00f6nce bu meseleyi konu\u015fuyor olsayd\u0131k ortaya konulacak tezlerle, bug\u00fcn tart\u0131\u015f\u0131lmas\u0131 gereken noktalar birbirinden farkl\u0131. D\u00fcnyadan paran\u0131n akt\u0131\u011f\u0131 d\u00f6nemde, reel sekt\u00f6r\u00fc akl\u0131n\u0131n ucuna getirmeyen ekonomi y\u00f6netimi, bankalar\u0131 t\u00fcketici ile bulu\u015fturarak i\u015fin kolay\u0131na ka\u00e7t\u0131.<\/p>\n<p>\u015eimdi paran\u0131n k\u0131tla\u015ft\u0131\u011f\u0131 ve geri \u00e7ekildi\u011fi noktada da \u2018\u00fcretmek\u2019 ile \u2018finanse etmek\u2019 aras\u0131ndaki b\u00fcy\u00fck \u00e7eli\u015fkiyi, bor\u00e7lu bir foto\u011fraf i\u00e7inde ya\u015f\u0131yoruz. E\u011fer o s\u00fcre\u00e7te \u00fcretime y\u00f6nelmi\u015f ve y\u0131llar i\u00e7inde elde etti\u011fimiz tasarruflarla, bug\u00fcn bankalarda kendi mevduatlar\u0131m\u0131z \u00fczerinden konu\u015fuyor olsayd\u0131k durum farkl\u0131 olurdu.<\/p>\n<p>Fakat T\u00fcrkiye\u2019deki tasarruflar\u0131n yetersizli\u011fi ortada. Halen pazarl\u0131\u011f\u0131n\u0131 yapt\u0131\u011f\u0131m\u0131z para, d\u0131\u015far\u0131dan gelmesini umut etti\u011fimiz likiditeden ibaret. Yani biraz zengin mal\u0131, z\u00fc\u011f\u00fcrd\u00fcn \u00e7enesini yorar cinsten bir tart\u0131\u015fma yap\u0131yoruz.<\/p>\n<p>Moody\u2019s, T\u00fcrkiye\u2019nin g\u00f6r\u00fcn\u00fcm\u00fcn\u00fc negatife \u00e7evirdi, bunun kar\u015f\u0131l\u0131\u011f\u0131nda ekonomiyle bile ilgisi olmayan bakanlar\u0131n yorumu, Millet\u2019in kendi notunu kendinin verece\u011fi oldu. Fakat ayn\u0131 Moody\u2019s bu ger\u00e7ekle\u015fmeden yola \u00e7\u0131karak, T\u00fcrkiye\u2019nin \u00f6nde gelen 17 bankas\u0131ndan, 14\u2019\u00fcn\u00fcn g\u00f6r\u00fcn\u00fcm\u00fcn\u00fc de negatif yapt\u0131. Kredi notlar\u0131n\u0131 sabit tuttu, \u00e7\u00fcnk\u00fc buradaki bir oynama daha ba\u015fka sorunlar\u0131 da yaratacakt\u0131.<\/p>\n<p>Millet kendi notunu verir ve olmayan paras\u0131yla bu i\u015fe \u00e7are ararsa sonu\u00e7 al\u0131r m\u0131y\u0131z bilemem. Ama reel duruma bakt\u0131\u011f\u0131m\u0131zda, bankalar\u0131n sendikasyon \u00fczerinden yurtd\u0131\u015f\u0131ndan bor\u00e7lanma ihtiyac\u0131 oldu\u011fu ve bunun da bu foto\u011fraf i\u00e7inde, para bulsalar bile maliyetli hale gelece\u011fi a\u00e7\u0131k.<\/p>\n<p>Ayr\u0131ca \u00e7ok uzun zamand\u0131r sendikasyonlar\u0131n da direkt nakit olarak gelmedi\u011fini, eski bor\u00e7lar \u00fczerinden bir hesapla\u015fman\u0131n ard\u0131ndan, bakiyenin T\u00fcrkiye\u2019ye getirilebildi\u011fini biliyoruz. \u015eimdi bu a\u015famada bankalara nas\u0131l bask\u0131 yapacaks\u0131n\u0131z?<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3137755859\"><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>Bir tarafta reel sekt\u00f6r\u00fcn kredi ihtiyac\u0131, di\u011fer tarafta bankalar\u0131n bu foto\u011frafa cevap veremeyecek durumlar\u0131&#8230; Peki ne yapal\u0131m? \u00d6ncelikle s\u0131k\u0131nt\u0131ya haz\u0131r olal\u0131m. K\u0131t bir kayna\u011f\u0131n kullan\u0131lmas\u0131n\u0131 tart\u0131\u015ft\u0131\u011f\u0131m\u0131z bir s\u00fcrece giriyoruz.<\/p>\n<p>O zaman firma bazl\u0131 kredilendirme pe\u015finde ko\u015fmak yerine, ekonomi y\u00f6netiminin acilen planl\u0131 ekonomiye ge\u00e7mesi, buna da ellerini s\u00fcrmeyip, uzmanlar\u0131na teslim etmesi, ortaya \u00e7\u0131kacak yol haritas\u0131n\u0131n ard\u0131ndan k\u0131t kaynaklar\u0131n do\u011fru kullan\u0131m\u0131n\u0131n sa\u011flanmas\u0131 gerekir.<\/p>\n<p>Ba\u015f\u0131 sonu, hedefi belli olan ve bu konuda ekonomik metotlarla cesaretlendirilen bir foto\u011fraf ancak bankalar\u0131n da kredi vermesine olanak sa\u011flar. Bu haliyle dipsiz kuyuya ta\u015f atarlar. Bunun bilincinde olduklar\u0131ndan da kredi vermekten, t\u00fcm bask\u0131lara ra\u011fmen imtina ediyorlar.<\/p>\n<p>Kim hakl\u0131 kim haks\u0131z bunun tart\u0131\u015fmas\u0131 yap\u0131lmal\u0131. Ama \u015fimdi de\u011fil. Bu \u00e7ukurdan \u00e7\u0131kana kadar tek bir cephe yarat\u0131larak, ger\u00e7ekten yolu yordam\u0131 belli olan bir \u00fcretim yolculu\u011funa \u00e7\u0131k\u0131p, firmalar\u0131 da bankalar\u0131 da \u00f6tekile\u015ftirmeden bir ekonomik model yaratmal\u0131y\u0131z.<\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-647212886\"><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>Bunlar\u0131n hi\u00e7birini konu\u015fmuyor ve sadece inand\u0131r\u0131c\u0131 olmayan ve hayata ge\u00e7meyen orta vadeli programlar ile, tutars\u0131z projeler a\u00e7\u0131kl\u0131yorsan\u0131z, herkes gibi finans kesimi de sizin g\u00fcn\u00fcbirlik ya\u015fad\u0131\u011f\u0131n\u0131z\u0131 anlar.<\/p>\n<p>Laf\u0131n \u00f6z\u00fc, bu plans\u0131zl\u0131k, rotas\u0131zl\u0131k ve kifayetsizlik i\u00e7inde bankalara bask\u0131 yap\u0131p kredi da\u011f\u0131tt\u0131ramazs\u0131n\u0131z. \u00c7\u00fcnk\u00fc da\u011f\u0131t\u0131rlarsa, \u00f6deme zaman\u0131 geldi\u011finde bunun hayatiyetlerine mal olaca\u011f\u0131n\u0131 biliyorlar.<\/p>\n<p>\u015eu an bankalar\u0131n durumu yukar\u0131 t\u00fck\u00fcrsen b\u0131y\u0131k, a\u015fa\u011f\u0131 t\u00fck\u00fcrsen sakal cinsindendir. \u00dcretim ekonomisine ge\u00e7memiz gerekiyor; ama \u015fartlar buna izin vermiyor. Ka\u00e7\u0131r\u0131lan trenlere sonra yanar\u0131z; ama \u00f6nce bu sakal b\u0131y\u0131k kredilerini, ama\u00e7l\u0131 ve aya\u011f\u0131 yere basan finansman haline getirmek zorunday\u0131z.<\/p>\n<p><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Reel sekt\u00f6r\u00fcn finansman s\u0131k\u0131nt\u0131s\u0131 b\u00fcy\u00fcyor. Bu konuda bakanlardan meslek \u00f6rg\u00fctlerine kadar herkes bankalardan anlay\u0131\u015f bekliyor. Haks\u0131z bir beklenti mi; i\u015fin \u00f6zelinde bakarsan\u0131z hay\u0131r. Fakat bu&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-49262","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\/49262","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=49262"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/49262\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=49262"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=49262"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=49262"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}