{"id":50820,"date":"2017-08-14T18:49:30","date_gmt":"2017-08-14T15:49:30","guid":{"rendered":"https:\/\/www.bilgeyatirimci.com\/?p=50820"},"modified":"2017-08-14T18:49:30","modified_gmt":"2017-08-14T15:49:30","slug":"cetin-unsalan-guclu-ekonominin-yapilandirma-firtinasi","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/cetin-unsalan-guclu-ekonominin-yapilandirma-firtinasi\/","title":{"rendered":"\u00c7etin \u00dcnsalan &#8211; G\u00fc\u00e7l\u00fc ekonominin yap\u0131land\u0131rma f\u0131rt\u0131nas\u0131"},"content":{"rendered":"<p><em><strong>Bakan B\u00fclent T\u00fcfenk\u00e7i, esnaf\u0131n kredi bor\u00e7lar\u0131n\u0131n yeniden yap\u0131land\u0131r\u0131laca\u011f\u0131n\u0131 a\u00e7\u0131klad\u0131. Asl\u0131nda bug\u00fcnk\u00fc piyasa ko\u015fullar\u0131na bakt\u0131\u011f\u0131n\u0131zda son derece yerinde bir karar. Gecikme faizleri silinecek, icra i\u015flemleri de sonland\u0131r\u0131lacak.<\/strong><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-189387289\"><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>Fakat bu bir iane, destek, te\u015fvik ya da amiyane tabirle k\u0131yak de\u011fil. Tamamen ihtiya\u00e7tan ve \u00e7aresizlikten kaynaklan\u0131yor. Zira siftahs\u0131z g\u00fcnler ge\u00e7iren, mal satsa da vadeye yayan, satt\u0131\u011f\u0131 harcad\u0131\u011f\u0131n\u0131 kurtarmayan bir esnaf ger\u00e7e\u011fiyle kar\u015f\u0131 kar\u015f\u0131yay\u0131z.<\/p>\n<p>Uygulamaya bakt\u0131\u011f\u0131m\u0131zda pe\u015fin \u00f6derseniz bu olanaktan yararlan\u0131yorsunuz. 12 ay vadeyle \u00f6demek isterseniz, y\u00fczde 8 faiz oran\u0131yla kar\u015f\u0131 kar\u015f\u0131yas\u0131n\u0131z. Yani \u00e7al\u0131\u015fan\u0131na y\u00fczde 3 + 3 zam veren, faizden yak\u0131nan, enflasyonun d\u00fc\u015fece\u011fini iddia eden iktidar y\u00fczde 8 faiz uyguluyor.<\/p>\n<p>Bu tespiti yapt\u0131ktan sonra i\u015fin \u00f6z\u00fcne d\u00f6nersek, kimsenin bunu pe\u015fin \u00f6deme \u015fans\u0131 yok. Bunun i\u00e7in bankadan gidip kredi almas\u0131 gerekiyor. Yani sonu\u00e7ta bir \u015fey de\u011fi\u015fmiyor. 2003 y\u0131l\u0131nda bu h\u00fck\u00fcmet ilk vergi yap\u0131land\u0131rmas\u0131n\u0131 af ad\u0131 alt\u0131nda sunarken bir \u00f6neride bulunmu\u015ftum.<\/p>\n<p>Aflar\u0131n g\u00fcnl\u00fck sorunlar\u0131 \u00e7\u00f6zebilece\u011fine, ama problemi ortadan kald\u0131rmayaca\u011f\u0131na dikkat \u00e7ekerek, yeni ve \u00f6denebilir bir vergi \/ prim sistemi kurulmas\u0131n\u0131 ard\u0131ndan beyaz bir sayfa a\u00e7\u0131lmas\u0131n\u0131, akis takdirde bunun bir sonraki affa ya da yap\u0131land\u0131rmaya kadar problemi \u00f6telemek oldu\u011funu belirtmi\u015ftim.<\/p>\n<p>Elbette dinlenmedi; ger\u00e7ekten 3-4 sene sonra yeni bir af \u00f6n\u00fcm\u00fcze geldi. Bunu periyodik olarak \u00e7\u0131kar\u0131lan di\u011fer yap\u0131land\u0131rmalar izledi. S\u0131cak paran\u0131n \u00fclkeyi sard\u0131\u011f\u0131, t\u00fcketimin ve i\u015f hacminin y\u00fckseldi\u011fi d\u00f6nemlerdi, ama reel sekt\u00f6r maliyetlerine yeti\u015femiyordu.<\/p>\n<p>Bankaya gitti\u011finde ticari kredi bulam\u0131yordu; kredi kart\u0131 ve ihtiya\u00e7 kredileriyle durumu kurtarmaya \u00e7al\u0131\u015f\u0131yordu. TESKOMB ya da Halkbank kredilerini de al\u0131p, borcunu kapatmak ya da ayakta kalmak i\u00e7in \u00e7aba harc\u0131yordu.<\/p>\n<p>Yine o s\u00fcre\u00e7te verdi\u011finiz kredinin takibini yapmaz ve size \u00f6denece\u011fini bilerek buna g\u00f6z yumarsan\u0131z, \u00fclkenin de reel sekt\u00f6r\u00fcn de sarmala girece\u011fini belirtmi\u015ftim. \u00c7\u00fcnk\u00fc m\u00fcte\u015febbis krediyi ya da te\u015fviki i\u015fini geli\u015ftirmek i\u00e7in al\u0131yorsa, ortaya \u00e7\u0131kan katma de\u011fer zaten borcu \u00f6der.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2202081845\"><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>Ama bir vezneden \u00e7ekip, di\u011fer vezneye \u00f6deme yap\u0131yorsa sadece sorunu \u00f6teler ve daha \u00e7ok bor\u00e7lan\u0131r; faiz sarmal\u0131na girer. Bug\u00fcnlerde bakmay\u0131n faizden yak\u0131nd\u0131klar\u0131na, kamu \u00f6demesini alabilmek i\u00e7in bu sisteme g\u00f6z yumdu.<\/p>\n<p>Son s\u00fcre\u00e7te de arka arkaya yap\u0131land\u0131rmalara, yap\u0131land\u0131rman\u0131n yap\u0131land\u0131rmas\u0131na, \u2018bak bu son tarih\u2019 deyip k\u0131sa s\u00fcre sonra tekrar yap\u0131land\u0131rmaya hep beraber \u015fahit olmad\u0131k m\u0131? O s\u00fcrecin ba\u015flang\u0131c\u0131nda da \u2018T\u00fcrkiye bir yap\u0131land\u0131rma ya da af f\u0131rt\u0131nas\u0131na giriyor\u2019 demi\u015f ve arka arkaya bunun ya\u015fanaca\u011f\u0131n\u0131 belirtmi\u015ftim.<\/p>\n<p>Zira insanlar\u0131n yap\u0131land\u0131rmaya ba\u015fvururken, \u00e7\u00f6z\u00fcms\u00fczl\u00fck i\u00e7inde sadece icray\u0131 \u00f6telemek hedefini ta\u015f\u0131d\u0131\u011f\u0131n\u0131, talep edilenleri \u00f6demekten yoksun oldu\u011funu g\u00f6r\u00fcyordum. Nitekim daha bir yap\u0131land\u0131rma bitmeden, esnafa yap\u0131land\u0131rma bilmem ka\u00e7\u0131nc\u0131 kez kap\u0131y\u0131 tekrar \u00e7ald\u0131.<\/p>\n<p>Dedi\u011fim gibi bu bir iyilik de\u011fil, ka\u00e7\u0131n\u0131lmaz bir sondu. Sistemi d\u00fczeltmeyip, sorunu \u00e7\u00f6zmedik\u00e7e, benzerlerini de ya\u015fayaca\u011f\u0131z. Zira art\u0131k parasal s\u0131k\u0131nt\u0131 ya\u015fayan tek adres esnaf ya da KOB\u0130 de\u011fil.<\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-1690318440\"><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>Alaca\u011f\u0131n\u0131 tahsil edemeyen, d\u0131\u015far\u0131dan yeterli kayna\u011f\u0131 bulamayan, i\u00e7te katma de\u011fer \u00fcretemeyen kamu da b\u00fcy\u00fck bir finansman sorununun pen\u00e7esinde k\u0131vran\u0131yor. Bug\u00fcn T\u00fcrkiye ekonomisinin durumu, d\u00fcn kurban edilen kredi ya da kredi kart\u0131 bor\u00e7lusu veya vergi \/ prim \u00f6deyemeyen reel sekt\u00f6r ile ayn\u0131d\u0131r.<\/p>\n<p>Bu \u00fclkeyi y\u0131llard\u0131r y\u00f6netenler \u015fimdi gelinen \u015fa\u015fk\u0131nl\u0131kla kar\u015f\u0131lamas\u0131nlar. \u00c7\u00fcnk\u00fc tek tek kurban ettiklerinin ortaya \u00e7\u0131kartt\u0131\u011f\u0131 dev sorun, kamuyu da sarmala soktu. Ne demi\u015fler? \u201cBir m\u0131h bir nal\u0131 kurtar\u0131r. Bir nal bir at\u0131, bir at bir komutan\u0131, bir komutan bir orduyu, bir ordu da bir \u00fclkeyi kurtar\u0131r.\u201d<\/p>\n<p>\u0130\u015fe o m\u0131h\u0131, ihmal ya da kurban ederek ba\u015flayanlar\u0131n, bug\u00fcn \u00fclkeyi kurtarmas\u0131 ise ancak hamasetle m\u00fcmk\u00fcn zannedilir. Zira ders almak ve sorunu ger\u00e7ekten \u00e7\u00f6zmek gibi bir adet \u00fclkemize u\u011fram\u0131yor.<\/p>\n<p><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bakan B\u00fclent T\u00fcfenk\u00e7i, esnaf\u0131n kredi bor\u00e7lar\u0131n\u0131n yeniden yap\u0131land\u0131r\u0131laca\u011f\u0131n\u0131 a\u00e7\u0131klad\u0131. Asl\u0131nda bug\u00fcnk\u00fc piyasa ko\u015fullar\u0131na bakt\u0131\u011f\u0131n\u0131zda son derece yerinde bir karar. Gecikme faizleri silinecek, icra i\u015flemleri de&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-50820","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\/50820","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=50820"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/50820\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=50820"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=50820"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=50820"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}