{"id":50072,"date":"2017-06-04T22:36:41","date_gmt":"2017-06-04T19:36:41","guid":{"rendered":"https:\/\/www.bilgeyatirimci.com\/?p=50072"},"modified":"2017-06-04T22:36:41","modified_gmt":"2017-06-04T19:36:41","slug":"cetin-unsalan-borcluyken-muflis-olma-riski","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/cetin-unsalan-borcluyken-muflis-olma-riski\/","title":{"rendered":"\u00c7etin \u00dcnsalan &#8211; Bor\u00e7luyken m\u00fcflis olma riski"},"content":{"rendered":"<p><em><strong>T\u00fcrkiye\u2019nin borca bat\u0131r\u0131ld\u0131\u011f\u0131 ger\u00e7e\u011fi her a\u00e7\u0131dan ortada. Y\u0131llarca bu konuda uyar\u0131 yapmam\u0131za, al\u0131nan her borcun T\u00fcrkiye\u2019nin borcu anlam\u0131na gelece\u011fini hat\u0131rlatmam\u0131za ra\u011fmen g\u00f6rmezden gelindi.<\/strong><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-110099437\"><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>Hatta kulislerde \u2018batan bats\u0131n\u2019 denilirken, kamunun bor\u00e7 oran\u0131n\u0131n eskiye oranla d\u00fc\u015f\u00fckl\u00fc\u011f\u00fcyle \u00f6v\u00fcn\u00fcl\u00fcp, reel sekt\u00f6rden vatanda\u015fa kadar herkesin ya\u015fayacaklar\u0131n\u0131n kendi sorunu oldu\u011fu gibi bir sapk\u0131n d\u00fc\u015f\u00fcnceye kap\u0131lanlar oldu. Oysa borca bat\u0131r\u0131l\u0131\u015fta uygulanan t\u00fcketim odakl\u0131 ekonomi \u00fczerinden b\u00fcy\u00fcme yakalanmas\u0131 anlay\u0131\u015f\u0131n\u0131n direkt etkisi vard\u0131.<\/p>\n<p>Nitekim gelinen noktada i\u00e7 d\u0131\u015f bor\u00e7 600 milyar dolarlar seviyesine ula\u015f\u0131rken, reel sekt\u00f6r 210 milyar dolar ile k\u0131p\u0131rdayamaz, vatanda\u015f toplam bor\u00e7 oran\u0131 i\u00e7inde hane halk\u0131 baz\u0131nda y\u00fczde 60\u2019lar\u0131 a\u015fan yap\u0131s\u0131yla ses \u00e7\u0131karamaz hale d\u00f6n\u00fc\u015ft\u00fc.<\/p>\n<p>Bunun siyasi getirisi de bu yolla adeta para da\u011f\u0131t\u0131larak sa\u011fland\u0131. \u0130nsanlara ge\u00e7inece\u011fi kadar zam yapmamak i\u00e7in ger\u00e7ek enflasyon ile rakam enflasyonu aras\u0131ndaki makas\u0131 a\u00e7t\u0131lar. Sonu\u00e7 ortada\u2026<\/p>\n<p>Elbette t\u00fcm bunlar para varken kolayd\u0131. \u015eimdi musluk kesilince i\u015fin rengi de\u011fi\u015fti. Ne finans sekt\u00f6r\u00fc mahsupla\u015fman\u0131n \u00f6tesine ge\u00e7ip s\u0131cak kaynak sa\u011flayabiliyor, ne ihracat istenen oranda getiri sa\u011fl\u0131yor, ne turizm gelirleri d\u00fc\u015f\u00fc\u015f\u00fc durdurulabiliyor. Yurtta\u015fa bakarsan\u0131z 24 milyon icra dosyas\u0131yla ger\u00e7ekten tarihi bir rekor k\u0131rd\u0131.<\/p>\n<p>\u015eimdi \u00f6ylesine kritik bir s\u00fcre\u00e7teyiz ki, yeni bir yanl\u0131\u015f yapmaktan vazge\u00e7memiz gere\u011fine dikkat \u00e7ekmek gerekiyor. Varl\u0131k y\u00f6netim \u015firketleri zaten bor\u00e7lular\u0131n en \u00f6nemli s\u0131k\u0131nt\u0131lar\u0131ndan biri. Daha \u00f6nce dernekleriyle biraraya geldi\u011fim bu \u015firketlerin y\u00f6neticileri asl\u0131nda birbirinden de\u011ferli ve sohbetinden keyif al\u0131nacak insanlar.<\/p>\n<p>Ama ka\u011f\u0131t \u00fczerinde koyduklar\u0131 kurallar\u0131n, ne yaz\u0131k ki pratikte y\u00fcr\u00fcmedi\u011finden \u00e7ok haberdar de\u011filler. \u00c7\u00fcnk\u00fc varl\u0131k y\u00f6netim \u015firketlerindeki personelin, sadece bor\u00e7lusuna de\u011fil, s\u00fclalesine nas\u0131l tacizde bulundu\u011funun \u015fahidi onbinlerce insan \u015fu an ne demek istedi\u011fimi iyi anl\u0131yor.<\/p>\n<p>Uzun zamand\u0131r bu \u015firketlerin kiloyla sat\u0131n ald\u0131klar\u0131 bor\u00e7 dosyalar\u0131n\u0131 art\u0131k almak istemediklerini biliyorduk. Fakat \u015fimdi g\u00f6revlendirme gelmi\u015f olmal\u0131 ki, t\u0131pk\u0131 bankalar gibi onlar da topa girmek zorunda kalm\u0131\u015f g\u00f6z\u00fck\u00fcyorlar.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-1968795121\"><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>\u015eimdi kurgu \u015fu: S\u00f6ylendi\u011fine g\u00f6re \u2018bankadan kredi \u00e7ekip \u00f6deyemeyenler i\u00e7in yeni bir f\u0131rsat (!) do\u011fuyor. Bor\u00e7lara art\u0131k varl\u0131k y\u00f6netim \u015firketleri bak\u0131yor.\u2019 2 milyon ki\u015finin bu \u015firketlere bor\u00e7lar\u0131yla devredildi\u011fi s\u00f6yleniyor.<\/p>\n<p>K\u00f6t\u00fc niyetli k\u00fc\u00e7\u00fck bir az\u0131nl\u0131\u011f\u0131 kenara koyarsan\u0131z ki onlar bankalar\u0131n i\u00e7inde de var, insanlar borcunu \u00f6demek konusunda samimi. Ama \u015fartlar uygun de\u011fil. \u015eimdi onlara bu metotla yeni bir bor\u00e7 kap\u0131s\u0131 haz\u0131rlan\u0131yor.<\/p>\n<p>Borcu varl\u0131k y\u00f6netim \u015firketine devrolan bankadan kredi kullanabilecek. Bu bankac\u0131l\u0131k a\u00e7\u0131s\u0131ndan do\u011fru olmasa da belli ki bask\u0131 var. Buradan kredi elde edebilirse, \u00e7o\u011fu bankalara ait varl\u0131k y\u00f6netim \u015firketlerine bor\u00e7 kapanacak, bankalar son d\u00fczenlemeyle muhtemelen bu s\u0131k\u0131nt\u0131y\u0131 banka senediyle Merkez Bankas\u0131\u2019na devredecek, orada Varl\u0131k Fonu devreye girecek ve hara\u00e7 mezat elindeki satarak s\u0131n\u0131rs\u0131z para bas\u0131m\u0131n\u0131n \u00f6n\u00fcn\u00fc a\u00e7acak.<\/p>\n<p>\u00c7ok pop\u00fcler olan ve ayn\u0131 zamanda \u00fcretim paketinin i\u00e7ine at\u0131larak utan\u00e7 kayna\u011f\u0131 haline d\u00f6n\u00fc\u015fen zeytinlikler tart\u0131\u015fmas\u0131n\u0131 bile buradan okumak gerekiyor. Peki bu filmin sonunda ne olur?<\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-1906096814\"><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>Vatanda\u015f bir \u015fekilde borcundan kurtulabilir. Elbette artan maliyetler kar\u015f\u0131s\u0131nda bu da olanaks\u0131z g\u00f6z\u00fck\u00fcyor ama \u00f6yle bile olsa, y\u0131llarca \u00f6v\u00fcn\u00fclerek yap\u0131lan borcu tabana yayma sistemi terse d\u00f6ner ve t\u00fcm bor\u00e7 kamunun s\u0131rt\u0131na y\u0131k\u0131l\u0131r.<\/p>\n<p>Yani ba\u015flad\u0131\u011f\u0131m\u0131z noktaya geri d\u00f6neriz. Ama bu kez bor\u00e7lu olarak de\u011fil, m\u00fcflis olarak. Ekonomi y\u00f6netimi bundan vazge\u00e7melidir. \u0130nsanlar\u0131 bu bor\u00e7 bata\u011f\u0131na uygulad\u0131klar\u0131 politika bat\u0131rd\u0131. \u015eimdi bu yanl\u0131\u015f\u0131 yaparlarsa, hem kamuyu hem vatanda\u015f\u0131 bat\u0131racaklar.<\/p>\n<p>Bu borcun \u00f6denebilir k\u0131l\u0131nmas\u0131 i\u00e7in daha kal\u0131c\u0131 \u00e7\u00f6z\u00fcmler gerekiyor. Bir daha bu denli kontrols\u00fcz bor\u00e7lanmay\u0131 gerektirmeyecek \u00e7\u00f6z\u00fcmler. Bu da bir hesap kitap meselesidir ve bu y\u00f6ntem o y\u00f6ntem de\u011fil. Burada yine bir pansuman tedbir ve ger\u00e7eklerle y\u00fczle\u015fmeme e\u011filimi g\u00f6z\u00fck\u00fcyor.<\/p>\n<p>Yapmay\u0131n, \u00e7\u00f6z\u00fcm \u00f6nerilerini dinleyin, bu yol \u00e7\u0131kar yol de\u011fil, zincirleme bir kurtulu\u015f hesap ediliyor; ama bu finansman s\u0131k\u0131nt\u0131 ve rakamlarla, ger\u00e7ek ya\u015fam aras\u0131ndaki fark nedeniyle hesab\u0131n tutmas\u0131 olanaks\u0131z. Her zaman s\u00f6yl\u00fcyorum hayalleri olmakla, hayalperest olmak farkl\u0131d\u0131r.<\/p>\n<p>\u201cT\u00fcrkiye amat\u00f6r liginde oynayan bir tak\u0131m\u0131n antren\u00f6r\u00fc dert yanar:<\/p>\n<p>&#8211; Para yok, malzeme yok, prim yok.<\/p>\n<p>Arkada\u015f\u0131 sorar:<\/p>\n<p>&#8211; Neden b\u0131rakm\u0131yorsun?<\/p>\n<p>&#8211; \u015eampiyon olabilirsek, ikinci ligden bir tak\u0131ma antren\u00f6r olabilirim.<\/p>\n<p>&#8211; Ya futbolcular?<\/p>\n<p>&#8211; \u015eampiyon bir tak\u0131m\u0131n futbolcular\u0131 daha iyi bir tak\u0131ma transfer olabilirler.<\/p>\n<p>&#8211; Ya y\u00f6neticiler?<\/p>\n<p>&#8211; Onlar da \u015fampiyon tak\u0131m\u0131n futbolcular\u0131n\u0131 sat\u0131p, verdiklerini kurtarmaya \u00e7al\u0131\u015f\u0131rlar.\u201d<\/p>\n<p>F\u0131krada ho\u015f g\u00f6z\u00fck\u00fcyor ama; bu hayalperestli\u011fe ger\u00e7ek hayatta g\u00fclmek zorla\u015f\u0131yor.<\/p>\n<p><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>T\u00fcrkiye\u2019nin borca bat\u0131r\u0131ld\u0131\u011f\u0131 ger\u00e7e\u011fi her a\u00e7\u0131dan ortada. Y\u0131llarca bu konuda uyar\u0131 yapmam\u0131za, al\u0131nan her borcun T\u00fcrkiye\u2019nin borcu anlam\u0131na gelece\u011fini hat\u0131rlatmam\u0131za ra\u011fmen g\u00f6rmezden gelindi. Hatta kulislerde&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-50072","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\/50072","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=50072"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/50072\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=50072"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=50072"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=50072"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}