{"id":52076,"date":"2017-11-15T20:32:21","date_gmt":"2017-11-15T17:32:21","guid":{"rendered":"https:\/\/www.bilgeyatirimci.com\/?p=52076"},"modified":"2017-11-15T20:32:21","modified_gmt":"2017-11-15T17:32:21","slug":"cetin-unsalan-insani-finans-olur-mu","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/cetin-unsalan-insani-finans-olur-mu\/","title":{"rendered":"\u00c7etin \u00dcnsalan &#8211; \u0130nsani finans olur mu?"},"content":{"rendered":"<p><em><strong>M\u00dcS\u0130AD, 16-17 Kas\u0131m tarihleri aras\u0131nda ger\u00e7ekle\u015ftirece\u011fi \u2018K\u00fcresel Kat\u0131l\u0131m Finans Zirvesi\u2019nde insani finans \u00e7a\u011fr\u0131s\u0131 yap\u0131yor. Peki insani finans olur mu? Bug\u00fcnk\u00fc bankac\u0131l\u0131k anlay\u0131\u015f\u0131 i\u00e7erisinde bunun ger\u00e7ekle\u015fmesi m\u00fcmk\u00fcn de\u011fil.<\/strong><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-1760930930\"><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>Ama \u00e7a\u011fr\u0131y\u0131 yar\u0131na ili\u015fkin okursan\u0131z durum de\u011fi\u015fiyor. \u00c7\u00fcnk\u00fc gelece\u011fin daralan parasal ko\u015fullar\u0131 i\u00e7erisinde, bilhassa \u00fcretim odakl\u0131 d\u00fc\u015f\u00fcnenlerin yeni bir form\u00fcl bulmas\u0131 ihtiyac\u0131 ka\u00e7\u0131n\u0131lmaz.<\/p>\n<p>Burada en b\u00fcy\u00fck hata, meseleyi kendi i\u00e7erisinde \u00e7ok tart\u0131\u015fmal\u0131 olan ve bug\u00fcnk\u00fc bankac\u0131l\u0131k sisteminden de yap\u0131 olarak \u00e7ok uzak olmayan kat\u0131l\u0131m bankac\u0131l\u0131\u011f\u0131nda aramak olur. \u00c7\u00fcnk\u00fc kat\u0131l\u0131m bankac\u0131l\u0131\u011f\u0131 ba\u015fl\u0131klar de\u011fi\u015fse de, bug\u00fcn\u00fcn bankac\u0131l\u0131k anlay\u0131\u015f\u0131n\u0131n k\u0131l\u0131k de\u011fi\u015ftirmi\u015f halidir.<\/p>\n<p>Daha a\u00e7\u0131k tabirle, sistemin kuruyan para kaynaklar\u0131na yenilerini yaratma eylemidir. Nitekim bu alanla en \u00e7ok \u0130ngiliz finans kurulu\u015flar\u0131n\u0131n ilgileniyor olmas\u0131 da bunun g\u00fczel bir g\u00f6stergesi.<\/p>\n<p>Asl\u0131nda bir televizyon program\u0131nda dinledi\u011fim M\u00dcS\u0130AD Ba\u015fkan\u0131 Abdurrahman Kaan da \u2018insani finans\u2019 ile \u00e7ok daha farkl\u0131 bir ba\u015fl\u0131k a\u00e7maya \u00e7al\u0131\u015ft\u0131klar\u0131n\u0131 anlat\u0131yor. Nitekim kurumunun resmi internet sitesindeki \u2018Ba\u015fkan\u2019 k\u00f6\u015fesindeki yaz\u0131da da alt\u0131n\u0131 \u00e7iziyor.<\/p>\n<p>Fakat konuyu bug\u00fcnk\u00fc kamuoyu alg\u0131lar\u0131 ve kabullenilmi\u015flikleri i\u00e7inde do\u011fru yans\u0131tmak ne kadar m\u00fcmk\u00fcn, emin de\u011filim. \u00c7ok basit haliyle finans\u0131n ekonominin kendisi de\u011fil, \u00fcretimin ka\u00e7\u0131n\u0131lmaz bir enstr\u00fcman\u0131 oldu\u011funu vurguluyor, ki asl\u0131nda b\u00f6yle.<\/p>\n<p>D\u00fcnyan\u0131n kumar ekonomisi i\u00e7erisinde \u00e7\u0131ld\u0131rmas\u0131yla mevcut duruma gelindi ve bu s\u00fcrd\u00fcr\u00fclebilir de\u011fil. Bu y\u00fczden insani finans kavram\u0131n\u0131 tan\u0131mlarken, zaten var olan bir ba\u015fl\u0131ktan okumak gerekiyor. Proje bankac\u0131l\u0131\u011f\u0131\u2026<\/p>\n<p>Ne yaz\u0131k ki bilhassa bizim gibi, mevcut finans sisteminin vurgun kap\u0131s\u0131 haline gelmi\u015f, bu hali de kolay finansman tembelli\u011fiyle desteklenmi\u015f \u00fclkelerde proje bankac\u0131l\u0131\u011f\u0131 i\u015flemiyor. Kredi ba\u015fvurusundaki m\u00fcte\u015febbise mal\u0131 m\u00fclk\u00fc yani teminat\u0131 soruluyor da, paray\u0131 ne ama\u00e7la istedi\u011fiyle ger\u00e7ekten ilgilenilmiyor. Zira bu sistemin do\u011fas\u0131 bu.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-1107029203\"><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>Oysa proje bankac\u0131l\u0131\u011f\u0131 i\u00e7erisinde risk sermaye \u015firketlerini de, finans kurulu\u015flar\u0131n\u0131 da bar\u0131nd\u0131ran bir yap\u0131. M\u00fcte\u015febbis projesiyle ba\u015fvuruyor ve kredi de\u011fil, proje ortakl\u0131\u011f\u0131 talep ediliyor. E\u011fer proje, ger\u00e7ekten verimli, kazan\u00e7l\u0131 ve end\u00fcstriyel ise, yol haritas\u0131 da belirlenerek banka buna dahil oluyor.<\/p>\n<p>Belli bir s\u00fcrenin sonunda da ister hissedar olarak devam ediyor, isterse \u00e7ekilebiliyor. Bu yap\u0131 esasen borsa kavram\u0131n\u0131 da olmas\u0131 gereken noktaya \u00e7ekiyor. Borsada oynayanlar yerine, sa\u011fl\u0131kl\u0131 bilan\u00e7o yap\u0131s\u0131na sahip ve faaliyetleriyle de\u011feri esas al\u0131nan \u015firketlerden ger\u00e7ekten hisse alanlar, yani uzun vadeli ortaklar \u00f6ne \u00e7\u0131k\u0131yor.<\/p>\n<p>\u015e\u00fcphesiz burada bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn \u00e7ok b\u00fcy\u00fck a\u00e7mazlar\u0131 var. \u0130lk akl\u0131n\u0131za gelenin para oldu\u011funa eminim; ama de\u011fil.<\/p>\n<p>Bu yap\u0131lar i\u00e7erisinde projeleri ger\u00e7ekten de\u011ferlendirecek, sekt\u00f6rel analizlerini yapabilecek, projenin uygunlu\u011funa karar verecek ya da \u2018yapmay\u0131n\u2019 diyecek uzmanlar\u0131n var olmay\u0131\u015f\u0131.<\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3597707304\"><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>B\u00f6yle bir sisteme ge\u00e7erken, kamunun sundu\u011fu istatistiklerin ger\u00e7ekli\u011finden, bankac\u0131l\u0131ktaki uzmanl\u0131\u011fa, proje yaratacak reel sekt\u00f6r yap\u0131s\u0131ndan denetimi sa\u011flayacak kurumlara kadar geni\u015f bir yap\u0131lanma \u015fart.<\/p>\n<p>Aksi takdirde paray\u0131 do\u011fru proje ile bulu\u015fturamaz ya da bulu\u015ftursan\u0131z bile haks\u0131z rekabete kurban edersiniz. Ama M\u00dcS\u0130AD\u2019\u0131n bu \u00e7\u0131k\u0131\u015f\u0131n\u0131 \u00e7ok \u00f6nemsiyorum. \u00d6nyarg\u0131s\u0131z bir bi\u00e7imde de finans\u00e7\u0131larla de\u011fil, reel sekt\u00f6re inananlarla tart\u0131\u015f\u0131lmas\u0131 gerekti\u011fini d\u00fc\u015f\u00fcn\u00fcyorum. \u00c7\u00fcnk\u00fc aksi propaganda yap\u0131lacakt\u0131r.<\/p>\n<p>Mutlaka bir projebank ile desteklenmeli, bu havuzda projelerle yat\u0131r\u0131mc\u0131lar\u0131 bulu\u015fturacak sistemler olu\u015fturmal\u0131y\u0131z. Hepsinden \u00f6nemlisi ekonomi y\u00f6netimini yani iktidarlar\u0131 bir an \u00f6nce planl\u0131 ekonomiye ge\u00e7en, insan\u0131 rakamlara kurban etmekten vazge\u00e7en bir anlay\u0131\u015fa d\u00f6nd\u00fcrmeliyiz.<\/p>\n<p>S\u00f6z\u00fcn \u00f6z\u00fc \u015fu: \u0130nsani finans olur. Ama \u00f6nce \u00fcretime inanan insanlar ve yap\u0131lar olu\u015fturmal\u0131y\u0131z. Sonras\u0131, \u00e7arpan etkisiyle inanamayaca\u011f\u0131n\u0131z sonu\u00e7lar verecektir.<\/p>\n<p><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>M\u00dcS\u0130AD, 16-17 Kas\u0131m tarihleri aras\u0131nda ger\u00e7ekle\u015ftirece\u011fi \u2018K\u00fcresel Kat\u0131l\u0131m Finans Zirvesi\u2019nde insani finans \u00e7a\u011fr\u0131s\u0131 yap\u0131yor. Peki insani finans olur mu? Bug\u00fcnk\u00fc bankac\u0131l\u0131k anlay\u0131\u015f\u0131 i\u00e7erisinde bunun ger\u00e7ekle\u015fmesi&hellip;<\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"open","ping_status":"closed","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-52076","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\/52076","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=52076"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/52076\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=52076"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=52076"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=52076"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}