{"id":50705,"date":"2017-08-06T21:00:34","date_gmt":"2017-08-06T18:00:34","guid":{"rendered":"https:\/\/www.bilgeyatirimci.com\/?p=50705"},"modified":"2017-08-04T03:59:55","modified_gmt":"2017-08-04T00:59:55","slug":"cetin-unsalan-tasarruf-formulu","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/cetin-unsalan-tasarruf-formulu\/","title":{"rendered":"\u00c7etin \u00dcnsalan &#8211; Tasarruf form\u00fcl\u00fc"},"content":{"rendered":"<p><em><strong>Ekonomiden Sorumlu Ba\u015fbakan Yard\u0131mc\u0131s\u0131 Mehmet \u015eim\u015fek BES meselesinden dertli. \u00d6zellikle sistemden \u00e7\u0131k\u0131\u015flar\u0131n, \u00f6ng\u00f6r\u00fclenin 3 kat \u00fczerinde ger\u00e7ekle\u015fmesi kendisinde \u00fcz\u00fcnt\u00fc yarat\u0131yor. Y\u00fczde 10 fire beklerken, y\u00fczde 38 ger\u00e7e\u011fiyle tan\u0131\u015fmak a\u011f\u0131r gelmi\u015f.<\/strong><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2179567929\"><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>Bu konuda da \u00f6nlem al\u0131naca\u011f\u0131n\u0131 ve \u00e7al\u0131\u015fma y\u00fcr\u00fct\u00fcld\u00fc\u011f\u00fcn\u00fc s\u00f6yl\u00fcyor. Nas\u0131l bir \u00f6nlem al\u0131naca\u011f\u0131na bak\u0131yorsunuz; mecburi giri\u015flerde 2 ay sonra \u00e7\u0131kma hakk\u0131 var. Bu s\u00fcreyi uzatma ihtimali \u00fczerinde duruyorlar. Devlet sopas\u0131yla zorunlu tasarruf&#8230;<\/p>\n<p>Fakat problem \u015fu ki, insan\u0131n tasarruf edebilmesi i\u00e7in, \u00f6nce ald\u0131\u011f\u0131 ile ge\u00e7inmesi, hatta insani geli\u015fmi\u015flik d\u00fczeyi kriterleri olan sanatsal ve k\u00fclt\u00fcrel faaliyetlere de para harcayabiliyor, ani \u00e7\u0131kan sa\u011fl\u0131k sorunu gibi konular\u0131 kar\u015f\u0131layacak b\u00fct\u00e7esi, bor\u00e7lanmadan tatile gidebiliyor ve keyfe keder de harcama yapabiliyor olmas\u0131 laz\u0131m.<\/p>\n<p>\u0130nsanlar\u0131n ald\u0131klar\u0131 parayla b\u0131rak\u0131n insani kalk\u0131nm\u0131\u015fl\u0131k seviyesini, a\u00e7l\u0131k ya da yoksulluk s\u0131n\u0131r\u0131n\u0131 yakalamakta zorland\u0131\u011f\u0131 bir \u00fclkede, zorla para kesmeye kalkarsan\u0131z sonu\u00e7 alamazs\u0131n\u0131z. \u00dclkemizin tasarruf ihtiyac\u0131 var m\u0131? Elbette var. Ama bu b\u00f6yle zorlamayla olmaz.<\/p>\n<p>Mesela \u00f6nce kamu harcamalar\u0131nda verimlilik esas\u0131n\u0131 ele alan, fayda \/ maliyet hesab\u0131n\u0131 yapmay\u0131 bilen bir iktidar se\u00e7ilir. Ard\u0131ndan planl\u0131 bir ekonomi program\u0131 uygulan\u0131r. Bunun sonucunda elde edilecek gelir de, adaletli bir bi\u00e7imde payla\u015ft\u0131r\u0131l\u0131r.<\/p>\n<p>Vatanda\u015f geliriyle normal ge\u00e7imini sa\u011flay\u0131p, yoksulluk s\u0131n\u0131r\u0131n\u0131 a\u015f\u0131p, ihtiyac\u0131n\u0131n d\u0131\u015f\u0131nda elde etti\u011fi geliri de tasarruf olarak de\u011ferlendirir. Bununla alt\u0131n m\u0131 al\u0131r, ev mi tercih eder, bankaya m\u0131 koyar, gidip g\u00fcvendi\u011fi bir \u015firketin borsada hissesine ortak m\u0131 olur, kendi tercihi.<\/p>\n<p>Lakin \u00f6nce ge\u00e7imi d\u0131\u015f\u0131nda para artt\u0131rmas\u0131 laz\u0131m. Yani fakir, hatta fakirlikten de k\u00f6t\u00fc \u00f6denebilir olmaktan \u00e7\u0131kan borcu olan insanlara kanun zoruyla tasarruf yapt\u0131rmaya kalkarsan\u0131z, bunun ad\u0131 birincisi tasarruf olmaz, salma olur. \u0130kincisi ilk f\u0131rsatta sistemden ka\u00e7ar.<\/p>\n<p>Bu ka\u00e7\u0131\u015f\u0131 kimi zaman zorunlu BES\u2019ten \u00e7\u0131k\u0131\u015f olarak g\u00f6r\u00fcrs\u00fcn\u00fcz, kimi zaman vergi ka\u00e7a\u011f\u0131, baz\u0131 dem de sigortas\u0131z \u00e7al\u0131\u015fmaya raz\u0131 olma \u015feklinde. Ama mutlaka ka\u00e7ar. Meseleyi buradan okumadan, yani de\u011fer yarat\u0131p, de\u011feri adil payla\u015ft\u0131r\u0131p, arta kalan\u0131 da tasarrufa y\u00f6nlendirerek, d\u0131\u015f kaynak ihtiyac\u0131n\u0131 azaltmay\u0131 d\u00fc\u015f\u00fcnmek hayalciliktir.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-1954928404\"><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>Bunu zorla uygulamaya koymak ise, ne insanl\u0131kla, ne ekonomi anlay\u0131\u015f\u0131yla, ne de ger\u00e7ek\u00e7ilikle ba\u011fda\u015fmaz. Zaten bu tip uygulamalar demokratik bir \u00fclkede de olmaz.<\/p>\n<p>Yani Mehmet \u015eim\u015fek, iktisaden hapsedece\u011fi insan say\u0131s\u0131n\u0131 \u00e7o\u011faltaca\u011f\u0131na, insanlar\u0131n gelirini nas\u0131l artt\u0131raca\u011f\u0131na kafa yormak zorunda. Aksi takdirde Maliye Bakanl\u0131\u011f\u0131 gibi \u015fa\u015fk\u0131n \u015fa\u015fk\u0131n ortada dola\u015f\u0131r. S\u00fcrekli vergi ister, tahakkuk ile kasaya giren fark\u0131 ger\u00e7e\u011fiyle kar\u015f\u0131la\u015f\u0131nca af \u00e7\u0131kar\u0131r, sistemi d\u00fczeltmedi\u011fi i\u00e7in de yine a\u00e7\u0131kta kal\u0131r. B\u00f6ylece af f\u0131rt\u0131nas\u0131ndan kurtulamaz.<\/p>\n<p>Elbette t\u00fcm bunlar\u0131 yapmak i\u00e7in, \u00f6nce matematik, sosyoloji, ekonomi gibi bilim dallar\u0131na samimiyetle inanmak laz\u0131m. T\u00fcrkiye\u2019nin t\u00fcm varl\u0131klar\u0131n\u0131 bir fonda toplay\u0131p, d\u00fcnyada eksi bakiyeyle varl\u0131k fonu kurup, bundan sonu\u00e7 alaca\u011f\u0131na inanan bir yakla\u015f\u0131m bu dedi\u011fimi anlar m\u0131; onda ciddi \u015f\u00fcphelerim var.<\/p>\n<p><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2064512571\"><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","protected":false},"excerpt":{"rendered":"<p>Ekonomiden Sorumlu Ba\u015fbakan Yard\u0131mc\u0131s\u0131 Mehmet \u015eim\u015fek BES meselesinden dertli. \u00d6zellikle sistemden \u00e7\u0131k\u0131\u015flar\u0131n, \u00f6ng\u00f6r\u00fclenin 3 kat \u00fczerinde ger\u00e7ekle\u015fmesi kendisinde \u00fcz\u00fcnt\u00fc yarat\u0131yor. Y\u00fczde 10 fire beklerken, y\u00fczde&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-50705","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\/50705","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=50705"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/50705\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=50705"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=50705"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=50705"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}