{"id":52616,"date":"2017-12-21T20:54:05","date_gmt":"2017-12-21T17:54:05","guid":{"rendered":"https:\/\/www.bilgeyatirimci.com\/?p=52616"},"modified":"2018-01-07T01:08:23","modified_gmt":"2018-01-06T22:08:23","slug":"cetin-unsalan-ic-piyasada-neden-nakit-yok","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/cetin-unsalan-ic-piyasada-neden-nakit-yok\/","title":{"rendered":"\u00c7etin \u00dcnsalan &#8211; \u0130\u00e7 piyasada neden nakit yok?"},"content":{"rendered":"<p><em><strong>T\u00fcrkiye\u2019de i\u00e7 piyasan\u0131n en b\u00fcy\u00fck s\u0131k\u0131nt\u0131s\u0131n\u0131, nakit para yoklu\u011fu olu\u015fturuyor. Hangi sekt\u00f6rden esnafa ya da firmaya gitseniz bu yak\u0131nma ile kar\u015f\u0131la\u015f\u0131yorsunuz. Asl\u0131nda i\u015f hacmindeki d\u00fc\u015f\u00fc\u015f ve \u00f6demelerde ya\u015fanan problem de bunu do\u011fruluyor.<\/strong><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-740397926\"><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>T\u00fcrkiye\u2019de Kas\u0131m 2017 verilerine g\u00f6re emisyondaki para miktar\u0131 53 milyar TL. Daha yuvarlak bir veriyle konu\u015fursak 50 milyar TL ile 60 milyar TL aras\u0131nda de\u011fi\u015fiyor. 15 Kas\u0131m itibariyle 57 milyar TL\u2019ye rekor tan\u0131mlamas\u0131n\u0131 dikkate al\u0131rsan\u0131z, 60\u2019\u0131 bulmuyor bile&#8230; Bozuk paralar\u0131 da hesaba katarsak yine de eski parayla iyimser \u00f6l\u00e7\u00fcde 60 katrilyon TL\u2019den bahsediyoruz. Fakat ortada para yok.<\/p>\n<p>Esasen Bankalararas\u0131 Kart Merkezi\u2019nin son verilerinden yola \u00e7\u0131karak bu meseleye bir ak\u0131l y\u00fcr\u00fctt\u00fcm. Kaba bir hesapla da ortaya bir sonu\u00e7 \u00e7\u0131kt\u0131. Sizlerle de payla\u015fay\u0131m.<\/p>\n<p>T\u00fcrkiye\u2019nin n\u00fcfusu 2016 sonu itibariyle 79,5 milyon\u2026 Bunu yuvarlak 80 milyon olarak kabul edelim. N\u00fcfusun y\u00fczde 28,7\u2019sini T\u00dc\u0130K verilerine g\u00f6re 0 \u2013 17 ya\u015f grubu \u00e7ocuklar olu\u015fturuyor. Bu da 22 milyon 960 bin ki\u015fi eder. Al\u0131m g\u00fcc\u00fc olmayan bu oran\u0131 n\u00fcfustan d\u00fc\u015fersek geriye 57 milyon 40 bin ki\u015fi kal\u0131r.<\/p>\n<p>T\u00dc\u0130K\u2019in 2016 gelir ve ya\u015fam ko\u015fullar\u0131 ara\u015ft\u0131rmas\u0131na g\u00f6re 16 milyon 328 bin ki\u015fi de yoksulluk i\u00e7inde\u2026 Yani bu kesimin hacim yaratacak bir g\u00fcc\u00fc yok. Bu nedenle iktisadi gerek\u00e7elerle n\u00fcfustan d\u00fc\u015fersek, elimizde 40 milyon 712 bin ki\u015fi kal\u0131r.<\/p>\n<p>Gelelim Bankalararas\u0131 Kart Merkezi\u2019nin a\u00e7\u0131klad\u0131\u011f\u0131 veriye\u2026 \u00dclkede 62,2 milyon adet kredi kart\u0131 var. Bunu ger\u00e7ek ki\u015filere vurdu\u011funuzda ise 24 milyon ki\u015fi ediyor. Yeti\u015fkin n\u00fcfus i\u00e7erisindeki pay\u0131 ise y\u00fczde 42.<\/p>\n<p>Kredi kart\u0131na sahip ki\u015filerin de a\u011f\u0131rl\u0131kl\u0131 \u00f6deme y\u00f6ntemi olarak bunu kulland\u0131\u011f\u0131n\u0131 biliyoruz. O zaman yeti\u015fkinler i\u00e7inde kredi kart\u0131na sahipleri de d\u00fc\u015fersek elimizde 16 milyon 712 bin ki\u015fi kal\u0131yor. Emisyondaki para miktar\u0131n\u0131 bu n\u00fcfusa b\u00f6lersek de geriye ki\u015fi ba\u015f\u0131na 3 bin 410 TL d\u00fc\u015fer.<\/p>\n<p>Yoksulluk s\u0131n\u0131r\u0131n\u0131n 5 bin TL s\u0131n\u0131r\u0131na dayand\u0131\u011f\u0131, kredi kartlar\u0131n\u0131n 3,5 milyonunun tacire ait oldu\u011fu, 497 bin ki\u015finin de yasal takibe u\u011frad\u0131\u011f\u0131, icra dosyas\u0131 say\u0131s\u0131n\u0131n 24 milyon oldu\u011fu, toplam kredi kart\u0131 say\u0131s\u0131n\u0131n yar\u0131s\u0131 kadar, yani 32 milyon kart\u0131n, kredi borcu oldu\u011fu d\u00fc\u015f\u00fcn\u00fcl\u00fcrse zaten o piyasa da evrakla d\u00f6n\u00fcyor demektir.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2214813765\"><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>Bu hesab\u0131n bilimsel oldu\u011funu iddia etmiyorum. Ama en az\u0131ndan ortada neden para d\u00f6nmedi\u011finin a\u00e7\u0131k bir emaresi olarak, bir foto\u011fraf veriyor. Sonu\u00e7 bor\u00e7la ya\u015fayan ve h\u0131zla kay\u0131t d\u0131\u015f\u0131na kayan bir T\u00fcrkiye.<\/p>\n<p>Harcamalar\u0131n kalemlerine ve bilin\u00e7 d\u00fczeylerine girmiyorum bile. AC Nielsen\u2019in bir ara\u015ft\u0131rmas\u0131 zaten kredi kart\u0131 harcamalar\u0131n\u0131n y\u00fczde 80\u2019inin g\u0131da, giyim, ula\u015ft\u0131rma ve bar\u0131nma i\u00e7in kullan\u0131ld\u0131\u011f\u0131n\u0131 raporlam\u0131\u015ft\u0131. Yani anayasal haklar\u2026 Geriye ne kal\u0131yor?<\/p>\n<p>Yapaca\u011f\u0131n\u0131z her harcama i\u00e7in bulman\u0131z gereken bor\u00e7 ger\u00e7e\u011fi. \u0130\u015fte size T\u00fcrkiye ekonomisinin resmi rakamlarla ipucu veren halinin foto\u011fraf\u0131. Ne diyelim? Dolar milyarderlerimiz sa\u011folsun.<\/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-3921388170\"><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>T\u00fcrkiye\u2019de i\u00e7 piyasan\u0131n en b\u00fcy\u00fck s\u0131k\u0131nt\u0131s\u0131n\u0131, nakit para yoklu\u011fu olu\u015fturuyor. Hangi sekt\u00f6rden esnafa ya da firmaya gitseniz bu yak\u0131nma ile kar\u015f\u0131la\u015f\u0131yorsunuz. Asl\u0131nda i\u015f hacmindeki d\u00fc\u015f\u00fc\u015f&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-52616","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\/52616","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=52616"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/52616\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=52616"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=52616"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=52616"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}