{"id":49317,"date":"2017-03-27T19:13:59","date_gmt":"2017-03-27T16:13:59","guid":{"rendered":"https:\/\/www.bilgeyatirimci.com\/?p=49317"},"modified":"2017-03-27T19:13:59","modified_gmt":"2017-03-27T16:13:59","slug":"cetin-unsalan-kredilerde-konusulmayan-gercek","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/cetin-unsalan-kredilerde-konusulmayan-gercek\/","title":{"rendered":"\u00c7etin \u00dcnsalan &#8211; Kredilerde konu\u015fulmayan ger\u00e7ek  \u00a0"},"content":{"rendered":"<p><em><strong>T\u00fcrkiye Bankalar Birli\u011fi Ba\u015fkan\u0131 H\u00fcseyin Ayd\u0131n, bankalar\u0131n kredi verme i\u015ftah\u0131n\u0131n devam etti\u011fini a\u00e7\u0131klad\u0131. \u00d6te yandan yine ayn\u0131 toplant\u0131da 2017 y\u0131l\u0131n\u0131n ilk 3 ayl\u0131k performanslar\u0131 da kamuoyuyla payla\u015f\u0131ld\u0131.<\/strong><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3053604090\"><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>Buna g\u00f6re ilk \u00e7eyrekte ge\u00e7en y\u0131l 120 milyar TL olan kredilerin, 175 milyar TL\u2019ye ula\u015faca\u011f\u0131 belirtildi. Neticede y\u00fczde 46\u2019l\u0131k bir art\u0131\u015f\u0131n ya\u015fand\u0131\u011f\u0131 tespiti ortaya koyuldu. Y\u0131l sonunda toplamda y\u00fckseli\u015f ise y\u00fczde 15 civar\u0131nda bekleniyor.<\/p>\n<p>Foto\u011frafa bu a\u00e7\u0131dan bak\u0131nca umut veriyor ama, i\u015fin sa\u011flamas\u0131n\u0131 sahadan yapmaya ba\u015flad\u0131\u011f\u0131n\u0131zda durumun \u00e7ok da s\u00f6ylendi\u011fi gibi olmad\u0131\u011f\u0131 g\u00f6r\u00fcl\u00fcyor. KOB\u0130DER Ba\u015fkan\u0131 Nurettin \u00d6zgen\u00e7, hafta sonunda KOB\u0130\u2019lerin kredilere ula\u015famad\u0131\u011f\u0131n\u0131 a\u00e7\u0131klad\u0131.<\/p>\n<p>Bunun su\u00e7lusu olarak da b\u00fcrokrasi ve bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fc g\u00f6sterdi. Elbette kayna\u011f\u0131 belirlenmemi\u015f krediyi bol keseden da\u011f\u0131t\u0131rsan\u0131z, sadece laf\u0131n\u0131 edersiniz. \u00d6zgen\u00e7 a\u00e7\u0131klamas\u0131nda trib\u00fcnlere oynam\u0131\u015f; \u00e7\u00fcnk\u00fc as\u0131l vaadi verene sorulmas\u0131 gereken sualleri, adres \u015fa\u015f\u0131rtarak y\u00f6neltmi\u015f.<\/p>\n<p>\u0130\u015fin bu yan\u0131ndaki tart\u0131\u015fmay\u0131 bir kenara b\u0131rak\u0131rsak, ger\u00e7ek olan \u015fu ki reel sekt\u00f6r bahsedildi\u011fi gibi krediye bo\u011fulmuyor. Zaten piyasalardaki i\u015f hacmi d\u00fc\u015f\u00fckl\u00fc\u011f\u00fc, t\u00fcketimdeki daralma, tahsil\u00e2tta b\u00fcy\u00fcyen sorunlar bunun sa\u011flamas\u0131n\u0131 yap\u0131yor.<\/p>\n<p>\u00dclkenin toplam b\u00fcy\u00fcmesindeki d\u00fc\u015f\u00fckl\u00fck de en b\u00fcy\u00fck g\u00f6sterge. Her ne kadar bunu mum \u0131\u015f\u0131\u011f\u0131nda bir g\u00f6lge oyunu gibi b\u00fcy\u00fck g\u00f6sterme tela\u015f\u0131 sergileniyorsa da, ortaya \u00e7\u0131kan oranlar\u0131n T\u00fcrkiye\u2019de daralma anlam\u0131na geldi\u011fini hesap kitap bilen herkes g\u00f6r\u00fcyor.<\/p>\n<p>T\u00fcrkiye\u2019de bankalar\u0131n bug\u00fcne kadarki faaliyetleri ba\u015ftan sona tart\u0131\u015fmal\u0131d\u0131r. Ama t\u00fcketim odakl\u0131 verilen kredilerde bankalar\u0131n k\u00e2r i\u015ftah\u0131 kadar, \u00fclkede uygulanan ekonomik modeli de tart\u0131\u015fmaz iseniz, sorunu da g\u00f6remezsiniz.<\/p>\n<p>\u015eimdi en ba\u015fa d\u00f6n\u00fcp, H\u00fcseyin Ayd\u0131n\u2019\u0131n bahsetti\u011fi b\u00fcy\u00fcmeye bakal\u0131m. B\u00f6ylesine daralan bir ekonomide, bu denli kredi art\u0131\u015f\u0131 nas\u0131l olu\u015fuyor? Ya da tersten sorarsak, bu kredi verilmesine kar\u015f\u0131l\u0131k, neden piyasalarda hareket olmuyor?<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2714149865\"><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>\u00c7\u00fcnk\u00fc verildi\u011fi g\u00f6z\u00fcken kredilerin \u00f6nemli bir oran\u0131, yeni kredi de\u011fil. T\u00fcrkiye \u015fu anda gerek bankalar\u0131n ald\u0131klar\u0131 sendikasyonlar, gerekse de verdi\u011fi krediler bak\u0131m\u0131ndan yap\u0131land\u0131rma ger\u00e7e\u011fiyle kar\u015f\u0131 kar\u015f\u0131ya&#8230;<\/p>\n<p>Hem reel sekt\u00f6re hem de t\u00fcketiciye verilen krediler b\u00fcy\u00fck \u00f6l\u00e7\u00fcde \u00f6deme g\u00fc\u00e7l\u00fc\u011f\u00fc nedeniyle tahsil edilemiyor. Daha \u00f6nce bunlar\u0131 \u00e7ok d\u00fc\u015f\u00fck bedellerle, hatta dosya bazl\u0131 kiloyla direkt varl\u0131k y\u00f6netim \u015firketlerine y\u00f6nlendiren bankalar, bu \u015firketlerin yeni al\u0131m yapmakta \u00e7ekingen davranmas\u0131 \u00fczerine yeni bir metot geli\u015ftirdiler.<\/p>\n<p>M\u00fc\u015fterileriyle ileti\u015fim kurup yap\u0131land\u0131rma olana\u011f\u0131 sunuyorlar. \u00c7o\u011fu dosya takip a\u015famas\u0131na gelmesine ra\u011fmen yap\u0131land\u0131r\u0131l\u0131yor. Bu yap\u0131land\u0131rmada daha \u00f6denebilir oranlar sunuluyor. Bankalar son a\u015famaya gelmeden icra yoluna gitmiyor.<\/p>\n<p>\u00c7\u00fcnk\u00fc \u00fclkede yine a\u00e7\u0131klamalara bakt\u0131\u011f\u0131n\u0131zda 24 milyon icra dosyas\u0131 bulunuyor ve bunlar\u0131n tahsil edilebilmesi g\u00fc\u00e7. En az\u0131ndan zaman al\u0131yor ve bankalar\u0131n da buna kar\u015f\u0131l\u0131k ay\u0131rmas\u0131 gerekiyor. Sermaye yap\u0131lar\u0131nda s\u0131k\u0131nt\u0131 yaratacak bu fakt\u00f6r\u00fc devreye sokmak yerine, m\u00fc\u015fterisiyle uzla\u015fma ve yeni \u00f6deme plan\u0131 olu\u015fturma tercihi kullan\u0131l\u0131yor.<\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2913519763\"><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>Esasen bu \u00e7ok olumlu bir yakla\u015f\u0131m. Hem kredi alana borcunu \u00f6deyebilme olana\u011f\u0131 veriyor; hem de bu yolla bankalar \u015f\u00fcpheli alacaklar k\u0131sm\u0131na atacaklar\u0131 oranlar\u0131 d\u00fc\u015f\u00fcr\u00fcyorlar. Sadece bu foto\u011fraf bile esasen T\u00fcrk insan\u0131n\u0131n borcuna ne kadar sad\u0131k oldu\u011funun g\u00f6stergesi. Bankalar a\u00e7\u0131s\u0131ndan ise isteyerek ya da istemeyerek yap\u0131lan olumlu bir hareket.<\/p>\n<p>Fakat i\u015f burada bitmiyor. \u0130\u00e7te biriken bir tehlikenin boyutunu azaltmak ad\u0131na yap\u0131lan bu do\u011fru hareket, farkl\u0131 yans\u0131t\u0131l\u0131yor. Yap\u0131land\u0131rma neticesinde eski kredi \u00f6denmi\u015f g\u00f6z\u00fck\u00fcyor ve yeni yap\u0131land\u0131rma da, s\u0131f\u0131rdan krediymi\u015f gibi sunuluyor.<\/p>\n<p>Bu yolla hem iktidar\u0131n gazab\u0131ndan kurtulup kredi veriyormu\u015f gibi g\u00f6z\u00fck\u00fcyorlar; hem de s\u0131k\u0131nt\u0131l\u0131 alacaklar\u0131n\u0131n tahsiline y\u00f6neliyorlar. Lakin bu durum yeni kredi anlam\u0131na gelmedi\u011finden piyasada hareket yaratm\u0131yor. \u015e\u00fcphesiz sendikasyon kredisi veren finans kurulu\u015flar\u0131n\u0131 da aldatmaya yetmiyor. Sadece performans a\u00e7\u0131s\u0131ndan \u015fimdilik izleme yap\u0131yorlar.<\/p>\n<p>Velhas\u0131l kelam s\u00f6z\u00fcn \u00f6z\u00fc \u015fu; bu kadar kredi veriliyor g\u00f6z\u00fck\u00fcyorken, hareketlenmeyen ekonominin s\u0131rr\u0131 tek kelimeye saklanm\u0131\u015f durumda. Yap\u0131land\u0131rma&#8230; Bunu g\u00f6rmeyen ve sokaktan tamamen kopan Ankara ise foto\u011fraf\u0131 olumlu zannederken, hayali b\u00fcy\u00fcme hedeflerinde \u0131srar ediyor. Ama b\u00fcy\u00fcmenin neden gelmedi\u011fini de \u00e7\u00f6zemiyor.<\/p>\n<p>Ne diyelim? Sokaktan kopar, kendi d\u00fcnyan\u0131zda ya\u015farsan\u0131z, ne \u00f6deme sorunlar\u0131n\u0131 g\u00f6r\u00fcr, ne istatistiklere yans\u0131mayan a\u00e7\u0131k hesap alacaklar\u0131n\u0131n b\u00fcy\u00fcd\u00fc\u011f\u00fcnden haberdar olur, ne de ekonomiyi y\u00f6netebilirsiniz.<\/p>\n<p>Daha ac\u0131s\u0131 da sokakta herkes bunu bildi\u011finden, bakanlar\u0131n yapt\u0131klar\u0131 b\u00fcy\u00fcme a\u00e7\u0131klamalar\u0131na sadece b\u0131y\u0131k alt\u0131ndan ac\u0131 ac\u0131 g\u00fcl\u00fcyorlar. Ne yaz\u0131k ki temsil noktas\u0131nda olanlar\u0131n ya da yetkili g\u00f6z\u00fckenlerin bunu ilgili makamlara s\u00f6yleyecek cesareti de yok. \u00c7\u00fcnk\u00fc koltuk ve maa\u015f tatl\u0131 geliyor. Tavsiyem korumalar\u0131, dan\u0131\u015fmanlar\u0131 bakanl\u0131kta b\u0131rak\u0131p soka\u011fa \u00e7\u0131k\u0131n, insanlarla konu\u015fun ve ger\u00e7eklerle y\u00fczle\u015fin.<\/p>\n<p><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>T\u00fcrkiye Bankalar Birli\u011fi Ba\u015fkan\u0131 H\u00fcseyin Ayd\u0131n, bankalar\u0131n kredi verme i\u015ftah\u0131n\u0131n devam etti\u011fini a\u00e7\u0131klad\u0131. \u00d6te yandan yine ayn\u0131 toplant\u0131da 2017 y\u0131l\u0131n\u0131n ilk 3 ayl\u0131k performanslar\u0131 da&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-49317","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\/49317","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=49317"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/49317\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=49317"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=49317"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=49317"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}