{"id":51632,"date":"2017-10-15T19:36:48","date_gmt":"2017-10-15T16:36:48","guid":{"rendered":"https:\/\/www.bilgeyatirimci.com\/?p=51632"},"modified":"2017-10-15T19:36:48","modified_gmt":"2017-10-15T16:36:48","slug":"cetin-unsalan-batirilma-sirasi-emeklilerde","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/cetin-unsalan-batirilma-sirasi-emeklilerde\/","title":{"rendered":"\u00c7etin \u00dcnsalan &#8211; Bat\u0131r\u0131lma s\u0131ras\u0131 emeklilerde"},"content":{"rendered":"<p><em><strong>Herkes ge\u00e7im s\u0131k\u0131nt\u0131s\u0131 \u00e7ekiyor; biliyorum. En az\u0131ndan \u00fclke n\u00fcfusunun y\u00fczde 80\u2019i\u2026 Bunun nedenini anlamak i\u00e7in, T\u00fcrk siyasetinin belki de son 40 y\u0131ldaki, en ac\u0131mas\u0131z oy tahvili oyununu do\u011fru ortaya koymak gerekir.<\/strong><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-4020706128\"><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>Tahvil diyorum, \u00e7\u00fcnk\u00fc bunun gelecek sat\u0131n almaktan bir fark\u0131 yok. Nas\u0131l hissesini ald\u0131\u011f\u0131n\u0131z bir \u015firket, yanl\u0131\u015f yat\u0131r\u0131mlarla hissed\u00e2rlar\u0131n\u0131 bat\u0131r\u0131rsa, \u00fclkedeki ekonomi politikas\u0131n\u0131n da geldi\u011fi durum buna benziyor.<\/p>\n<p>\u0130cra dosyas\u0131n\u0131n say\u0131s\u0131 24 milyonu a\u015fan, n\u00fcfusunun y\u00fczde 90\u2019\u0131 bor\u00e7lu bir \u00fclke foto\u011fraf\u0131n\u0131n ba\u015fka bir a\u00e7\u0131klamas\u0131 yok. \u00d6nce \u00e7al\u0131\u015fan maa\u015fl\u0131 kesimle ba\u015flad\u0131lar. \u0130nsanlara sahte enflasyon oranlar\u0131yla zam yap\u0131p, geri kalan ihtiya\u00e7lar\u0131 i\u00e7in evvela kredi kartlar\u0131n\u0131, sonra ihtiya\u00e7 kredilerini devreye soktular.<\/p>\n<p>Hepsi t\u00fcketim odakl\u0131 oldu\u011fu i\u00e7in gelece\u011fini satan insanlar bat\u0131k hale geldi. Esnafa kredi vermemek i\u00e7in her \u015feyi yapt\u0131lar. Ticari kredi alamayan esnaf, bankan\u0131n ihtiya\u00e7 kredisi ve kredi kartlar\u0131na kolayca ula\u015ft\u0131. Sonu\u00e7, 2002\u2019den bu yana say\u0131s\u0131n\u0131n yar\u0131s\u0131 yok olan ve geride kalan esnaf da bor\u00e7 bata\u011f\u0131nda.<\/p>\n<p>Daha b\u00fcy\u00fck orandaki reel sekt\u00f6r\u00fc, i\u00e7ten ucuz kredi temin edemez hale getirdiler. Sonu\u00e7ta T\u00fcrk reel sekt\u00f6r\u00fc yurtd\u0131\u015f\u0131na 233 milyar dolar bor\u00e7lu duruma d\u00fc\u015ft\u00fc. Gelirleri azald\u0131\u011f\u0131 i\u00e7in, \u015fimdi bunu d\u00f6nd\u00fcrmekte s\u0131k\u0131nt\u0131 ya\u015f\u0131yor; dolar temin etse de, dolar talebi daha y\u00fcksek oldu\u011fu i\u00e7in, artan kur \u00fczerinden t\u00fcm \u00fclkeyi olumsuz etkiliyor.<\/p>\n<p>T\u00fcm bu senaryonun en g\u00fczel (!) \u00e7\u0131kt\u0131s\u0131 ise siyasete, yani iktidar partisine oldu. Borca batan ve gelece\u011fe y\u00f6nelik bor\u00e7lanarak \u00e7aresizlik i\u00e7ine d\u00fc\u015fen insanlar\u0131n se\u00e7imlerdeki tercihi, iktidara oy tahviline d\u00f6nen bir mekanizma haline d\u00f6n\u00fc\u015ft\u00fc.<\/p>\n<p>\u015eimdi para kesildi. Zaman\u0131nda gelen para da tamamen t\u00fcketime yat\u0131r\u0131ld\u0131\u011f\u0131 i\u00e7in ger\u00e7ek anlamda \u00fcretemeyen bir \u00fclke haline geldik. Bunun alt\u0131n\u0131 neden \u00e7iziyorum? Bir \u00fcr\u00fcn\u00fc imal etmeniz, size \u00fcretici k\u0131lmaz. Onu yeni \u00fcretimleri besleyen bir finansman modeli haline d\u00f6n\u00fc\u015ft\u00fcrmediyseniz, k\u00e2rl\u0131l\u0131kla satam\u0131yorsan\u0131z, gizli iflas i\u00e7inde bir i\u015fletme yarat\u0131rs\u0131n\u0131z. Olan da ne yaz\u0131k ki bu.<\/p>\n<p>Art\u0131k denizen bitti\u011fi noktaday\u0131z. Nitekim bunu iktidar da en \u00fcst makamdan tulumban\u0131n suyunun kesildi\u011fi \u015feklinde itiraf ediyor. Fakat kazan\u0131lmas\u0131 gereken iki se\u00e7im daha var. Yani her \u015fey koltuk i\u00e7in\u2026 Burada bir yanda reel sekt\u00f6re ait para, reel sekt\u00f6re da\u011f\u0131t\u0131larak sanal bir b\u00fcy\u00fcme yakaland\u0131.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2487337530\"><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>Alacak sigortas\u0131 \u015firketlerin beyan\u0131ndan \u00f6\u011freniyoruz ki, KGF teminat\u0131yla verilen paralar da yat\u0131r\u0131ma de\u011fil, bor\u00e7 \u00f6demeye gitti. Belki de reel sekt\u00f6r\u00fcn cebine bile girmeden, mahsupla\u015farak\u2026<\/p>\n<p>\u0130\u015f \u00f6yle a\u00e7maz noktaya gelmi\u015f ki, reel sekt\u00f6r alacaklar\u0131n\u0131n bankac\u0131l\u0131kta teminat olarak kabul edilmesi tavsiye ediliyor. Sorar\u0131m size, sigortalanmada uluslararas\u0131 s\u0131n\u0131r 180 g\u00fcn, yani 3 ay iken, 20 ay vadeli mal satan bir reel sekt\u00f6r\u00fcn alacaklar\u0131n\u0131 hangi banka teminat kabul edebilir? Reel sekt\u00f6r, bu tahsil\u00e2ttan emin de\u011fil ki, bankalar olsun.<\/p>\n<p>\u015eimdi Merkez Bankas\u0131\u2019n\u0131n matbaay\u0131 hesaps\u0131zca \u00e7al\u0131\u015ft\u0131rmas\u0131ndan bir ad\u0131m \u00f6nce \u00e7areler aran\u0131yor. \u00c7\u00fcnk\u00fc bilan\u00e7olar\u0131n makyaj\u0131n\u0131 ak\u0131t\u0131rsan\u0131z, o s\u0131n\u0131r\u0131n \u00e7oktan ge\u00e7ildi\u011fi de g\u00f6r\u00fcl\u00fcyor. Ama k\u00e2\u011f\u0131t \u00fczerindeki g\u00f6r\u00fcn\u00fcm\u00fcn s\u00fcrmesi ve piyasan\u0131n hareketli g\u00f6z\u00fckmesi laz\u0131m.<\/p>\n<p>Ekonomi y\u00f6netiminin son buldu\u011fu \u00e7are emeklilere y\u00f6nelik. Belki de bor\u00e7lu kesimin a\u011f\u0131rl\u0131\u011f\u0131n\u0131 \u00e7ocuklar\u0131 olmas\u0131 sebebiyle \u00fczerinde ta\u015f\u0131yan bir kesime de darbe vuracak yeni bir hataya haz\u0131rlan\u0131l\u0131yor.<\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2945425860\"><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>Emeklilere 10 maa\u015fa kadar faizsiz kredi verilmesine y\u00f6nelik bir \u00e7al\u0131\u015fma y\u00fcr\u00fct\u00fcl\u00fcyor. Yap\u0131lan a\u00e7\u0131klamada bu konuda bankalara bask\u0131 yap\u0131laca\u011f\u0131 belirtiliyor. Yeni bor\u00e7lanmaya, hem de faizsiz para da\u011f\u0131t\u0131m\u0131na \u00f6zel bankalar ne der bilmiyorum, ama kamu bankalar\u0131n\u0131n cepheye s\u00fcr\u00fclece\u011fi a\u00e7\u0131k. Bu da zaten dile getiriliyor.<\/p>\n<p>Amac\u0131n emeklilerin para s\u0131k\u0131nt\u0131s\u0131n\u0131 gidermek oldu\u011fu belirtiliyor. \u0130\u015fte k\u0131r\u0131lma noktas\u0131 da bu. \u015eayet siz emeklilerin niye para s\u0131k\u0131nt\u0131s\u0131 \u00e7ekti\u011fini sorgulamak yerine, onlara sorunlar\u0131 \u00f6teleyecek, ama sonu\u00e7ta di\u011ferleri gibi batacak bir \u00f6neriyle yakla\u015f\u0131yorsan\u0131z hi\u00e7bir \u015feyden ders almad\u0131n\u0131z demektir.<\/p>\n<p>Bunun tek bir a\u00e7\u0131klamas\u0131 var. 10 maa\u015f kadar bor\u00e7lan, \u00f6deyemezsen yap\u0131land\u0131r, yine bor\u00e7lan, b\u00f6ylece sen de tam bir k\u0131skaca gir ve di\u011ferlerinin yapt\u0131\u011f\u0131 gibi bana oy verip se\u00e7im kazand\u0131r. \u00c7\u00fcnk\u00fc May\u0131s 2017 tarihli \u00c7al\u0131\u015fma ve Sosyal G\u00fcvenlik Bakanl\u0131\u011f\u0131 verilerine g\u00f6re \u00fclkemizde 11 milyon 882 bin 732 emekli var ve hepsi do\u011fal olarak se\u00e7men.<\/p>\n<p>\u0130\u015fte s\u0131k\u0131\u015fan iktidar partisi bu yoldan gidiyor ve ne yaz\u0131k ki T\u00fcrkiye\u2019de yeni bir bat\u0131k hik\u00e2yesi yazmaya haz\u0131rlan\u0131yor. Hem de sadece se\u00e7im kazanma u\u011fruna\u2026 En ac\u0131s\u0131 da bunu t\u00fcm d\u00fcnya b\u00fcy\u00fck krize kafa yorarken, d\u00fcnya ekonomisinin durumunu g\u00fcll\u00fck g\u00fclistanl\u0131k diye nitelendiren Ekonomiden Sorumlu Ba\u015fbakan Yard\u0131mc\u0131s\u0131 Mehmet \u015eim\u015fek\u2019in patronlu\u011funda yap\u0131yor.<\/p>\n<p>Yani ortada ne inan\u0131lan bir \u00fcretim ekonomisi stratejisi, ne sorunla y\u00fczle\u015fme arzusu, ne ger\u00e7ekleri g\u00f6rme iste\u011fi, ne de \u00e7\u00f6z\u00fcm \u00fcretme kayg\u0131s\u0131 var. Anla\u015f\u0131lan o ki, tek kayg\u0131 kazan\u0131lmas\u0131 hayati mesele olarak g\u00f6r\u00fclen \u00f6n\u00fcm\u00fczdeki iki se\u00e7im.<\/p>\n<p>\u0130nsan\u0131n, Naz\u0131m Hikmet gibi ortaya \u00e7\u0131k\u0131p \u2018Beyler bu vatana nas\u0131l k\u0131yd\u0131n\u0131z\u2019, hatta bir ad\u0131m \u00f6teye ge\u00e7ip \u2018nas\u0131l \u0131srarla k\u0131ymaya devam ediyorsunuz\u2019 diyesi geliyor.<\/p>\n<p><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Herkes ge\u00e7im s\u0131k\u0131nt\u0131s\u0131 \u00e7ekiyor; biliyorum. En az\u0131ndan \u00fclke n\u00fcfusunun y\u00fczde 80\u2019i\u2026 Bunun nedenini anlamak i\u00e7in, T\u00fcrk siyasetinin belki de son 40 y\u0131ldaki, en ac\u0131mas\u0131z oy&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-51632","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\/51632","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=51632"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/51632\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=51632"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=51632"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=51632"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}