{"id":50435,"date":"2017-07-11T23:34:04","date_gmt":"2017-07-11T20:34:04","guid":{"rendered":"https:\/\/www.bilgeyatirimci.com\/?p=50435"},"modified":"2017-07-11T23:34:04","modified_gmt":"2017-07-11T20:34:04","slug":"cetin-unsalan-faizistanda-mudi-avlama","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/cetin-unsalan-faizistanda-mudi-avlama\/","title":{"rendered":"\u00c7etin \u00dcnsalan &#8211; Faizistanda mudi avlama"},"content":{"rendered":"<p><em><strong>Gen\u00e7 ku\u015fa\u011f\u0131n oyunlar\u0131na ak\u0131l s\u0131r ermiyor. D\u00fcnyada h\u0131zla b\u00fcy\u00fcyen oyun sekt\u00f6r\u00fcnde konu \u00fcst\u00fcne konu \u00fcretiyorlar. Kimi zaman 1.D\u00fcnya Sava\u015f\u0131\u2019ndan faydalan\u0131yorlar; kimi dem de sahte \u00f6yk\u00fcler yaratarak \u00e7ocuklar\u0131 cezbediyorlar.<\/strong><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3304311956\"><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>Bug\u00fcn size bu tarz, pek de mant\u0131k aranmayan u\u00e7uk bir hikaye anlatmay\u0131 tercih ederdim. Ama ne yaz\u0131k ki bir \u00fclkenin ekonomisinden bahsediyoruz. Ve daha k\u00f6t\u00fcs\u00fc seviyede oyun end\u00fcstrisine ilham verecek, onlar\u0131 k\u0131skand\u0131racak kadar \u00e7ocuk\u00e7a.<\/p>\n<p>\u00dclkede bankalar aras\u0131nda faiz yar\u0131\u015f\u0131na neden olan, mevduata y\u00fcksek faiz pe\u015finde ko\u015fan 50 bin mudinin pe\u015fine d\u00fc\u015f\u00fcld\u00fc\u011f\u00fc ve bunlara kar\u015f\u0131 s\u00fcrek av\u0131 ba\u015flat\u0131ld\u0131\u011f\u0131 duyuruldu.<\/p>\n<p>A\u00e7\u0131k\u00e7as\u0131 hi\u00e7 kimse y\u00fcksek faizin do\u011fru ve ekonomiye faydal\u0131 bir \u015fey oldu\u011funu iddia edemez. Aksine \u00e7ok b\u00fcy\u00fck bir tahribat yaratt\u0131\u011f\u0131 konusunda san\u0131r\u0131m hepimiz hemfikiriz. Fakat ortadaki problemi b\u00f6yle ak\u0131l mant\u0131k d\u0131\u015f\u0131 ve neden sonu\u00e7 ili\u015fkilerini g\u00f6z ard\u0131 eden bir yakla\u015f\u0131mla \u00e7\u00f6zemeyiz.<\/p>\n<p>Mesele T\u00fcrkiye Bankalar Birli\u011fi ile Ba\u015fbakan Yard\u0131mc\u0131s\u0131 Canikli\u2019nin toplant\u0131s\u0131nda da g\u00fcndeme geldi. A\u00e7\u0131klamadan bunu anl\u0131yoruz. Ortadaki ger\u00e7ek bir sorun mu; evet. Ama bunu b\u00f6yle y\u00f6ntemlerle \u00e7\u00f6zmek m\u00fcmk\u00fcn de\u011fil.<\/p>\n<p>\u00d6ncelikle bankalar\u0131n neden b\u00f6yle bir yar\u0131\u015fa girdi\u011fini do\u011fru tespit etmeniz gerekir. Nas\u0131l siz istiyorsunuz diye faizlerin d\u00fc\u015fmesi m\u00fcmk\u00fcn de\u011filse, mudilerin hareketlerini isteklerinize g\u00f6re y\u00f6nlendirmeniz de olas\u0131 de\u011fil.<\/p>\n<p>T\u00fcrkiye\u2019nin bir tasarruf a\u00e7\u0131\u011f\u0131 ve mevduat sorunu var m\u0131? Var&#8230; \u00c7\u00fcnk\u00fc y\u0131llarca gelen para s\u0131cak para olarak \u00fclkeyi soyup so\u011fana \u00e7evirdi. \u00c7\u00fcnk\u00fc \u00e7\u0131lg\u0131n proje diye duyurdu\u011funuz k\u00f6pr\u00fclerden barajlara yap\u0131lan i\u015fler b\u00fcy\u00fck maliyet hatalar\u0131yla dolu. \u00dcstelik gereksinim \u00f6nceli\u011fi de tart\u0131\u015fmal\u0131.<\/p>\n<p>Yerel y\u00f6netimlerden \u015firketlere, bankalardan vatanda\u015fa kadar herkes krediye muhta\u00e7 hale getirildi. Bug\u00fcn kredilerin geri \u00f6denmesinde ise nakit alt\u0131n de\u011ferine geldi. Zira art\u0131k yurtd\u0131\u015f\u0131ndan s\u0131cak para da, kal\u0131c\u0131 mali yat\u0131r\u0131m da gelmiyor. Vatanda\u015f\u0131n da zaten mevduat biriktirecek durumu yok.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3337082863\"><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>Bu sahte refah d\u00f6neminde zenginle\u015fenler ise ellerindeki paray\u0131, \u2018yokluk\u2019 kural\u0131 i\u00e7erisinde pazarl\u0131k malzemesi yap\u0131yorlar. \u0130nanmayacaks\u0131n\u0131z ama bir ka\u00e7 sene \u00f6nce anl\u0131 \u015fanl\u0131 bir banka \u015fubesi \u0130stanbul Bak\u0131rk\u00f6y\u2019de en b\u00fcy\u00fck mevduat sahibinin paray\u0131 \u00e7ekme tehdidi kar\u015f\u0131s\u0131nda er de\u011fi\u015ftirdi ve o ki\u015finin m\u00fclk\u00fcne ta\u015f\u0131nd\u0131. Tabi siz bunlar\u0131n tamam\u0131ndan bihaber ya\u015f\u0131yorsunuz.<\/p>\n<p>\u015eu an iktisadi olmayan y\u00f6ntemlerle yap\u0131lan faiz tutturmas\u0131, \u00fclkeyi k\u0131s\u0131tl\u0131 paran\u0131n k\u0131skac\u0131nda faizistan haline getirdi. Reel sekt\u00f6rden bankalara kadar herkes o kadar b\u00fcy\u00fck bir finansman a\u00e7maz\u0131 i\u00e7erisindeki, elinde paras\u0131 olan\u0131n oyunca\u011f\u0131 oluyor.<\/p>\n<p>Bunu da av ba\u015flatarak \u00e7\u00f6zemezsiniz. \u00c7\u00fcnk\u00fc Rekabet Kanunu gere\u011fi bankalar bu konuda a\u011f\u0131z birli\u011fi yapamazlar, yaparlarsa ceza yerler ve zaten finans ihtiya\u00e7lar\u0131 da buna el vermiyor. Bu y\u00fczden centilmenlik anla\u015fmas\u0131n\u0131n bile hayat bulmas\u0131 m\u00fcmk\u00fcn de\u011fil.<\/p>\n<p>\u00c7ok kapsaml\u0131 bir finans politikas\u0131 olu\u015fturmadan, belki de kambiyo rejimiyle oynamadan, gelecek para nas\u0131lsa olmad\u0131\u011f\u0131ndan, mevcut s\u0131k\u0131\u015fan\u0131 Brezilya modelinde oldu\u011fu gibi y\u0131llara ba\u011fl\u0131 vergileye ba\u011flamadan bu i\u015fin i\u00e7inden, b\u00f6yle y\u00f6ntemlerle \u00e7\u0131kmak g\u00fc\u00e7.<\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-1150639287\"><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>\u015e\u00fcphesiz hepsinin de ba\u015fka sonu\u00e7lar\u0131 ve riskleri var. Bu ve benzeri metotlar\u0131 tart\u0131\u015fmak m\u00fcmk\u00fcn; lakin ne olursa olsun hepsinin ekonomi biliminin kurallar\u0131 ve ger\u00e7ekler \u0131\u015f\u0131\u011f\u0131nda masaya yat\u0131rmal\u0131y\u0131z. Aksi takdirde ne sonu\u00e7 alabiliriz; ne de bocalarken vurgun yemekten kurtulabiliriz.<\/p>\n<p>Daha k\u00f6t\u00fcs\u00fc ileride \u00e7ocuk oyunlar\u0131na konu yarat\u0131r\u0131z. Faizistanda mudi avlama&#8230;<\/p>\n<p><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Gen\u00e7 ku\u015fa\u011f\u0131n oyunlar\u0131na ak\u0131l s\u0131r ermiyor. D\u00fcnyada h\u0131zla b\u00fcy\u00fcyen oyun sekt\u00f6r\u00fcnde konu \u00fcst\u00fcne konu \u00fcretiyorlar. Kimi zaman 1.D\u00fcnya Sava\u015f\u0131\u2019ndan faydalan\u0131yorlar; kimi dem de sahte \u00f6yk\u00fcler&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-50435","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\/50435","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=50435"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/50435\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=50435"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=50435"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=50435"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}