{"id":50754,"date":"2017-08-09T20:17:34","date_gmt":"2017-08-09T17:17:34","guid":{"rendered":"https:\/\/www.bilgeyatirimci.com\/?p=50754"},"modified":"2017-08-09T20:17:34","modified_gmt":"2017-08-09T17:17:34","slug":"cetin-unsalan-kazanan-gercekten-bankalar-mi","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/cetin-unsalan-kazanan-gercekten-bankalar-mi\/","title":{"rendered":"\u00c7etin \u00dcnsalan &#8211; Kazanan ger\u00e7ekten bankalar m\u0131?"},"content":{"rendered":"<p><em><strong>Tart\u0131\u015fma d\u00f6nd\u00fc dola\u015ft\u0131 yine bankalar\u0131n kazan\u00e7lar\u0131na geldi. Elbette as\u0131l mesele ne kazand\u0131klar\u0131ndan \u00e7ok, kazan\u00e7lar\u0131n\u0131 d\u00fc\u015f\u00fck faizle kredi olarak sunmamalar\u0131ndan kaynaklan\u0131yor. Cumhurba\u015fkan\u0131 ba\u015fta olmak \u00fczere herkesin t\u00fcm reel sekt\u00f6r\u00fc kast ederek faiz adreslendirmesinin yan\u0131t\u0131 da biliniyor: \u0130n\u015faat&#8230;<\/strong><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-1644946669\"><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>Oysa bankalar in\u015faat sekt\u00f6r\u00fcyle ilgili riskin fark\u0131nda&#8230; Daha k\u00f6t\u00fcs\u00fc 200 milyar dolar finansal sekt\u00f6r d\u0131\u015f\u0131ndaki reel sekt\u00f6r\u00fcn pozisyon a\u00e7\u0131\u011f\u0131n\u0131 da g\u00f6r\u00fcyorlar ve bu alanda kredi verecek firma da bulam\u0131yorlar.<\/p>\n<p>Geriye tek bir adres kal\u0131yor; bu h\u00fck\u00fcmetin de en ba\u015f\u0131ndan beri destekleyerek \u00fclkedeki insan\u0131 bor\u00e7 bata\u011f\u0131na bat\u0131ran ekonomi anlay\u0131\u015f\u0131 olan kredi ve kredi kartlar\u0131 pazar\u0131. Yani bireyseller&#8230; E bu alana da bakt\u0131\u011f\u0131n\u0131zda 24 milyon icra dosyas\u0131, 32 milyon kredi kart\u0131 bor\u00e7lusu ve yap\u0131land\u0131rmalar sayesinde d\u00fc\u015fen bat\u0131k oran\u0131 da ortadayken b\u00fcy\u00fck a\u00e7maz ya\u015f\u0131yorlar.<\/p>\n<p>A\u00e7\u0131k\u00e7as\u0131 ellerindeki paran\u0131n \u015fi\u015fmesi de ayr\u0131 bir maliyet yarat\u0131yor ve i\u00e7inden \u00e7\u0131k\u0131lmaz bir durum ya\u015f\u0131yorlar. \u00c7\u00fcnk\u00fc \u00f6te yandan da daralan bir d\u00fcnya pazar\u0131 ile i\u00e7 pazar ger\u00e7e\u011fi var. Yani g\u00f6z\u00fc karart\u0131p kredi vermeye kalksa, onun geri d\u00f6n\u00fcp d\u00f6nmeyece\u011fi de me\u00e7hul. Tar\u0131ma kredi vermesi gerekenlerin, g\u00f6z g\u00f6re g\u00f6re doland\u0131r\u0131l\u0131p batm\u0131\u015f AVM\u2019ye kredi verip, sonra da i\u015flemeyen al\u0131\u015fveri\u015f merkezi binas\u0131 sahibi olduklar\u0131n\u0131 hen\u00fcz kimse unutmad\u0131.<\/p>\n<p>Esasen bunun bir \u00e7\u00f6z\u00fcm\u00fc var. Finansal kurulu\u015flar t\u00fcketim kredileri vermekten vazge\u00e7erek, proje bankac\u0131l\u0131\u011f\u0131 geli\u015ftirilir ve kamu risk sermaye \u015firketi gibi her iki kesimin de elini rahatlat\u0131r. Bu yolla hem batacak kredi vermekten kurtulur; hem borcu finansmana \u00e7evirir, hem de i\u015f yapan firmalardan \u00e7al\u0131\u015fanlar sayesinde sa\u011fl\u0131kl\u0131 bir t\u00fcketim modeli olu\u015fturursunuz.<\/p>\n<p>Ama bu kimsenin i\u015fine d\u00fcn de gelmedi, bug\u00fcn de gelmiyor. Bir firmaya 10 birim kredi vermek yerine, 10 t\u00fcketiciye daha y\u00fcksek kazan\u00e7la 1 birim kredi vermek bankalar\u0131n da, t\u00fcketim ekonomisini esas alan h\u00fck\u00fcmetin de, maa\u015f\u0131yla ge\u00e7inemeyen vatanda\u015f\u0131n da i\u015fine geldi. Lakin de\u011firmenin suyu kesildi.<\/p>\n<p>\u015eimdi Cumhurba\u015fkan\u0131 Erdo\u011fan, y\u00fczde 2,9 b\u00fcy\u00fcyen bir \u00fclkede, bankalar\u0131n k\u00e2rlar\u0131n\u0131n y\u00fczde 40 artmas\u0131n\u0131 ele\u015ftiriyor. Ele\u015ftirirken de \u015f\u00f6yle bir yorum ortaya koyuyor: \u201cBak\u0131yorsunuz h\u00e2l\u00e2\u00a0biz \u2018faizler d\u00fc\u015fmesi laz\u0131m\u2019 diyoruz, bankalar ise vatanda\u015f\u0131n oraya yat\u0131rd\u0131\u011f\u0131 paralar\u0131 kendisi i\u00e7in adeta bir soyup so\u011fana \u00e7evirme arac\u0131 olarak kullan\u0131yor. Kendi paras\u0131 de\u011fil, vatanda\u015f\u0131n oraya emanet etti\u011fi para ve o bunu kalk\u0131yor kendisi ac\u0131mas\u0131zca\u00a0y\u00fcksek faizle kendisine bir rant arac\u0131 h\u00e2line \u00e7eviriyor.\u201d<\/p>\n<p>Elbette Cumhurba\u015fkan\u0131 bunu s\u00f6yleyince, arkadan klasik olarak Ekonomi Bakan\u0131 Nihat Zeybek\u00e7i de hemen durumu yorumlad\u0131: \u201cBankalar saf\u0131n\u0131 belirlesin. \u00dcretimin yan\u0131nda m\u0131 karar versin.\u201d \u015eimdi iktidara sorarlar: \u00d6nce h\u00fck\u00fcmet ger\u00e7ekten \u00fcretimin yan\u0131nda m\u0131, yoksa in\u015faat m\u0131 yapmaya \u00e7al\u0131\u015f\u0131yor? Hele bunun bir yan\u0131t\u0131n\u0131 versin.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-848058691\"><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>Bankalar\u0131n zaten kredilendirme konusunda ellerinin temiz olmad\u0131\u011f\u0131n\u0131 biliyoruz. Fakat bu ortam\u0131 onlara sa\u011flayan da 10 y\u0131l\u0131 a\u015fk\u0131n s\u0131cak para ile vatanda\u015fa sahte cennet yarat\u0131p, dolara bas\u0131p \u00fcretimi \u00f6ld\u00fcrerek, T\u00fcrkiye\u2019yi ithal mal cenneti haline getiren ve ithalattan vergi alarak durumu kotaran bizzat h\u00fck\u00fcmetin kendisidir. Ne zaman ki para kesildi; cay\u0131rt\u0131 koptu.<\/p>\n<p>Cumhurba\u015fkan\u0131\u2019n\u0131n s\u00f6zlerine d\u00f6nersek b\u00fcy\u00fck bir yan\u0131lg\u0131n\u0131n da ortaya \u00e7\u0131kt\u0131\u011f\u0131n\u0131, bilgisizlik ya da yanl\u0131\u015f bilgilendirmeden kaynaklanan bir s\u00f6ylem geli\u015ftirildi\u011fini g\u00f6r\u00fcyoruz. Ne diyor Cumhurba\u015fkan\u0131? Vatanda\u015f\u0131n oraya emanet etti\u011fi para&#8230;<\/p>\n<p>T\u00fcrkiye\u2019de en b\u00fcy\u00fck sorunlardan birinin tasarruf a\u00e7\u0131\u011f\u0131 oldu\u011funu biliyoruz. Yani \u00f6yle vatanda\u015f\u0131n bankalara emanet etti\u011fi ciddiye al\u0131n\u0131r bir para yok. O zaman durum \u00e7etrefille\u015fiyor. Bankalar\u0131n bir \u00e7o\u011funun dosya i\u015flemlerinden k\u00e2r artt\u0131rd\u0131\u011f\u0131, kesinti ve masraf paras\u0131yla k\u00e2r yazd\u0131\u011f\u0131 uzunca bir d\u00f6nemini de biliyoruz.<\/p>\n<p>O zaman y\u00fczde 40 kazanc\u0131n\u0131 artt\u0131rsa da kritik soru \u015fu: Kazanan ger\u00e7ekten bankalar m\u0131? \u00dclkedeki bankac\u0131l\u0131\u011f\u0131, T\u00fcrk bankac\u0131l\u0131\u011f\u0131ndan yabanc\u0131lar\u0131n eline teslim ederek T\u00fcrkiye\u2019deki bankac\u0131l\u0131k haline d\u00f6n\u00fc\u015ft\u00fcren iktidar bunu da ara\u015ft\u0131rs\u0131n.<\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-37307013\"><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>Zira 2016 y\u0131l\u0131 vergi rekortmenleri listesinde ikinci s\u0131radan dokuzuncu s\u0131raya kadar listeyi kapatan ve devam\u0131nda da yer alan bankalar\u0131n durumu ne? 2016 itibariyle T\u00fcrkiye Bankalar Birli\u011fi\u2019nin raporuna g\u00f6re finansal kurulu\u015flar\u0131n d\u0131\u015f bor\u00e7 stoku 157 milyar dolar.<\/p>\n<p>Dikkatinizi \u00e7ekerim \u00f6zel \u015firketlerin pay\u0131 126 milyar dolar. Bug\u00fcn finans kesimi d\u0131\u015f\u0131nda \u00f6zel sekt\u00f6r\u00fcn pozisyon a\u00e7\u0131\u011f\u0131 200 milyar dolar\u0131 vurdu. Var\u0131n bankalar\u0131 siz d\u00fc\u015f\u00fcn\u00fcn. \u00c7\u00fcnk\u00fc paran\u0131n daralmas\u0131yla birlikte sendikasyon s\u0131k\u0131nt\u0131lar\u0131 ya\u015fayan, bir\u00e7o\u011fu buldu\u011fu sendikasyonda taze para yerine mahsupla\u015fmaya giden, daralan para kar\u015f\u0131s\u0131nda finans bulsa da y\u00fcksek maliyet \u00f6deyen bir kesimle kar\u015f\u0131 kar\u015f\u0131yay\u0131z. Koyun \u00fczerine bunun da dolar maliyetini hesaplay\u0131n.<\/p>\n<p>\u00d6yleyse faiz konusunu tart\u0131\u015facaksak muhatab\u0131m\u0131z\u0131 iyi belirleyelim. Birincisi faiz dolar ve enflasyon baz\u0131nda artan maliyetler, k\u0131tla\u015fan para ve y\u00fcksek tasarruf a\u00e7\u0131\u011f\u0131 nedeniyle d\u00fc\u015femiyor. Yani para \u00e7ok maliyetli. \u0130kincisi kazanan ger\u00e7ekten bir elin parmaklar\u0131na d\u00fc\u015fen say\u0131s\u0131yla T\u00fcrk bankalar\u0131 de\u011fil, T\u00fcrkiye\u2019deki bankac\u0131l\u0131\u011fa kredi veren alacakl\u0131lar.<\/p>\n<p>\u015eimdi foto\u011frafa bak\u0131n. Yurtd\u0131\u015f\u0131ndan bankalara sendikasyon geliyor; bankalar bunu piyasaya kredi olarak y\u00fcksek kazan\u00e7larla sunuyor; sanayi kurulu\u015flar\u0131n\u0131n gelirlerinin yar\u0131s\u0131 finansman maliyetine gidiyor ve siz hale in\u015faat\u00e7\u0131lara kredi bulma derdinsiniz. Form\u00fcl zaten ba\u015ftan yanl\u0131\u015f. Ve bu yanl\u0131\u015f\u0131n nedenini, d\u00fcnyada para bol iken, yarat\u0131lan ba\u015far\u0131l\u0131 ekonomi palavras\u0131nda aramak laz\u0131m. \u015eimdi ya\u015fad\u0131\u011f\u0131m\u0131z sadece bir sonu\u00e7.<\/p>\n<p><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Tart\u0131\u015fma d\u00f6nd\u00fc dola\u015ft\u0131 yine bankalar\u0131n kazan\u00e7lar\u0131na geldi. Elbette as\u0131l mesele ne kazand\u0131klar\u0131ndan \u00e7ok, kazan\u00e7lar\u0131n\u0131 d\u00fc\u015f\u00fck faizle kredi olarak sunmamalar\u0131ndan kaynaklan\u0131yor. Cumhurba\u015fkan\u0131 ba\u015fta olmak \u00fczere herkesin&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-50754","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\/50754","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=50754"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/50754\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=50754"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=50754"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=50754"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}