{"id":49470,"date":"2017-04-12T00:01:39","date_gmt":"2017-04-11T21:01:39","guid":{"rendered":"https:\/\/www.bilgeyatirimci.com\/?p=49470"},"modified":"2017-04-12T00:01:39","modified_gmt":"2017-04-11T21:01:39","slug":"cetin-unsalan-mudahale-gereken-faiz-reel-sektorde","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/cetin-unsalan-mudahale-gereken-faiz-reel-sektorde\/","title":{"rendered":"\u00c7etin \u00dcnsalan &#8211; M\u00fcdahale gereken faiz, reel sekt\u00f6rde"},"content":{"rendered":"<p><em><strong>T\u00fcrkiye\u2019nin son d\u00f6nemine yap\u0131lan tart\u0131\u015fmalar\u0131n, Be\u015ftepe ve bakanlar ile bankac\u0131l\u0131k \u00fczerinden en \u00e7ok damga vuran konular\u0131n ba\u015f\u0131nda faizler geliyor. Oradaki ba\u015fl\u0131\u011f\u0131n i\u00e7eri\u011fine bakt\u0131\u011f\u0131n\u0131zda reel sekt\u00f6r\u00fcn yat\u0131r\u0131mlar\u0131 a\u00e7\u0131s\u0131ndan bir kayg\u0131 ta\u015f\u0131n\u0131yor g\u00f6z\u00fckse de, as\u0131l dert tak\u0131nt\u0131l\u0131 olunan in\u015faat sekt\u00f6r\u00fcn\u00fcn kredilendirilmesi ile ilgili maliyet.<\/strong><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3147461730\"><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>\u0130ddia ediyorum finans kesimine \u00f6zel ve d\u00fc\u015f\u00fck bir faiz uygulans\u0131n, reel sekt\u00f6r\u00fcn geri kalan\u0131n\u0131 yakarlar. Madalyonun ba\u015fka taraf\u0131ndan bakt\u0131\u011f\u0131n\u0131zda ise bankalar\u0131n ger\u00e7ekten kredi vermeye niyeti var m\u0131; tart\u0131\u015f\u0131l\u0131r.<\/p>\n<p>\u00c7\u00fcnk\u00fc reel sekt\u00f6r \u2013 bankac\u0131l\u0131k ili\u015fkisine g\u00f6z att\u0131\u011f\u0131n\u0131zda, projenin ad\u0131 ge\u00e7mezken sadece teminat olarak sorulan mal \u2013 m\u00fclk konu\u015fuluyor. Paran\u0131n ne ama\u00e7la istendi\u011fi ise sadece bir risk y\u00f6netimi konusu&#8230;<\/p>\n<p>Yani ne tip bir proje i\u00e7in finansman ihtiyac\u0131 var, gerekli fizibilite yap\u0131lm\u0131\u015f m\u0131; d\u00f6n\u00fc\u015f zamanlamas\u0131 nedir; gibi bir\u00e7ok soru g\u00fcndeme bile gelmiyor. Daha k\u00f6t\u00fcs\u00fc projeden bahsetseler, o konuyu analiz edecek ihtisas sahibi bir personel de bulunmuyor.<\/p>\n<p>Velhas\u0131l kelam, d\u00fcn\u00fcn aralar\u0131ndan su s\u0131zmayan, her f\u0131rsatta vatanda\u015ftan reel sekt\u00f6re kadar birlikte saf tutan iktidar-finans cephesinin tart\u0131\u015fmas\u0131, \u00e7\u0131karlar\u0131n ters d\u00fc\u015fmesine ba\u011fl\u0131 salt bir kay\u0131k\u00e7\u0131 kavgas\u0131ndan ibarettir.<\/p>\n<p>E\u011fer sorunu ger\u00e7ekten masaya yat\u0131rmak istiyorsak; reel sekt\u00f6r\u00fcn kendi aras\u0131ndaki vade meselesini g\u00fcndeme almak durumunday\u0131z. Ortalama 18 aylara vuran vadeler, \u00f6demeler zinciri a\u00e7\u0131s\u0131ndan risk te\u015fkil etse de, problem burada bitmiyor.<\/p>\n<p>Zira bunu zaman zaman yazd\u0131\u011f\u0131m\u0131zda ya da anlatt\u0131\u011f\u0131m\u0131zda yetkililer, durumun ticari bir anla\u015fma oldu\u011funu belirtip; \u2018alan raz\u0131-veren raz\u0131\u2019 diyerek, yapacak bir \u015feyleri olmad\u0131\u011f\u0131n\u0131 vurguluyorlar. Ama durum \u00f6yle de\u011fil.<\/p>\n<p>\u00c7\u00fcnk\u00fc bu konudaki a\u00e7maz, sadece \u00f6demelere ili\u015fkin vadelerin uzamas\u0131, bir kesimin di\u011ferini yok can\u0131yla finanse etmesinden ibaret g\u00f6r\u00fclemez. Arada uygulanan \u00f6yle bir faiz ger\u00e7e\u011fi var ki, enflasyondan ihracatta verilen birim fiyata kadar, yani rekabet edememe s\u0131k\u0131nt\u0131s\u0131na kadar her alan\u0131 etkiliyor.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3072423422\"><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>\u00d6zellikle emek yo\u011fun ve rakibimizin \u0130talya oldu\u011fu sekt\u00f6rlerde, fiyatlar\u0131m\u0131z\u0131n marka ile katma de\u011fer yaratan \u0130talyanlar\u2019dan bile y\u00fcksek \u00e7\u0131kt\u0131\u011f\u0131n\u0131 biliyor musunuz? Vadeler, \u2018bizden olsun\u2019 diyerek sunulmuyor.<\/p>\n<p>Nakit d\u00f6ng\u00fcs\u00fc olmayan, sermaye yetersizli\u011fi ya\u015fayan ve bu vadelere mecbur kalan \u00fcretici, vade fark\u0131 \u00f6dedi\u011finin ne kadar bilincinde? Ortadaki faiz miktar\u0131, g\u00fcn\u00fcm\u00fczde tam bir faaliyet d\u0131\u015f\u0131 k\u00e2r haline d\u00f6n\u00fc\u015fm\u00fc\u015f durumda. Do\u011fru d\u00fczg\u00fcn tedarik\u00e7ilerin de \u00fcreticiler kadar bu konudan rahats\u0131z oldu\u011funu biliyorum.<\/p>\n<p>Herkes uzayan vadelerden rahats\u0131z. Ama daha \u00f6nemlisi i\u00e7te ve d\u0131\u015fta \u00fcr\u00fcn\u00fcn fiyat\u0131n\u0131n \u00fczerine binen farklar, bir tarafta enflasyona olumsuz katk\u0131 sa\u011flarken, di\u011fer tarafta da yurtd\u0131\u015f\u0131 pazarlarda rekabeti olanaks\u0131z hale getiriyor.<\/p>\n<p>Bu nedenle ekonomi y\u00f6netimi \u00f6nce bu konuya el atmal\u0131; belki de destekleri bu alana y\u00f6nlendirerek, \u00fcr\u00fcn fiyatlar\u0131n\u0131n d\u00fc\u015fmesini sa\u011flayacak vadelerin k\u0131salmas\u0131 hedefini g\u00fctmelidir.<\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3750323238\"><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>E\u011fer bu ba\u015far\u0131l\u0131rsa, hem tedarik\u00e7i riskini y\u00f6netebilir hale gelecek, hem \u00fcretici d\u00fc\u015fen birim maliyetiyle daha rekabet\u00e7i olacak, hem de bundan yararlan\u0131p, paradan para kazanma pe\u015finde ko\u015fanlar bo\u015fa d\u00fc\u015fecek.<\/p>\n<p>Bankalar m\u0131? Siz bunu halledin; onlar proje bankac\u0131l\u0131\u011f\u0131 yapmaya karar verdiklerinde tekrar konu\u015furuz. Alarm veren ve konu\u015fulmayan alan bu.<\/p>\n<p><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>T\u00fcrkiye\u2019nin son d\u00f6nemine yap\u0131lan tart\u0131\u015fmalar\u0131n, Be\u015ftepe ve bakanlar ile bankac\u0131l\u0131k \u00fczerinden en \u00e7ok damga vuran konular\u0131n ba\u015f\u0131nda faizler geliyor. Oradaki ba\u015fl\u0131\u011f\u0131n i\u00e7eri\u011fine bakt\u0131\u011f\u0131n\u0131zda reel sekt\u00f6r\u00fcn&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-49470","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\/49470","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=49470"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/49470\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=49470"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=49470"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=49470"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}