{"id":52880,"date":"2018-01-08T19:52:30","date_gmt":"2018-01-08T16:52:30","guid":{"rendered":"https:\/\/www.bilgeyatirimci.com\/?p=52880"},"modified":"2018-01-08T19:52:30","modified_gmt":"2018-01-08T16:52:30","slug":"cetin-unsalan-once-ates-et-sonra-nisan-al","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/cetin-unsalan-once-ates-et-sonra-nisan-al\/","title":{"rendered":"\u00c7etin \u00dcnsalan &#8211; \u00d6nce ate\u015f et, sonra ni\u015fan al"},"content":{"rendered":"<p><em><strong>Kredi Garanti Fonu (KGF), teminat\u0131 alt\u0131nda verilen kredilerin do\u011fru noktaya ula\u015fmas\u0131 i\u00e7in \u00e7al\u0131\u015fma i\u00e7inde oldu\u011funu a\u00e7\u0131klad\u0131. Hedeflenen, sunulan kredilerin hem amac\u0131 d\u0131\u015f\u0131nda kullan\u0131lmas\u0131n\u0131 engellemek, hem de alanlar\u0131 yak\u0131n takibe almak.<\/strong><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3222481992\"><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>Do\u011fru mu, do\u011fru\u2026 Fakat sizce de bu i\u015fte bir terslik yok mu? 2017 y\u0131l\u0131n\u0131n ilk yar\u0131s\u0131nda T\u00fcrkiye ekonomisinin b\u00fcy\u00fcmesini bile etkileyecek oranda para da\u011f\u0131t\u0131m\u0131 yap\u0131l\u0131rken, hatta kefalet i\u00e7in bor\u00e7suzluk gibi bir ilkesi olmas\u0131na kar\u015f\u0131n, bu kural gev\u015fetilirken neredeydi?<\/p>\n<p>\u2018Ne olacak bundan sonra dikkat eder\u2019 diye d\u00fc\u015f\u00fcn\u00fclebilir. Ama bunu dedi\u011finiz nokta neresi? KGF Genel M\u00fcd\u00fcr\u00fc \u0130smet Gergerli\u2019nin 18 Aral\u0131k 2017 tarihli beyanat\u0131 esas al\u0131nd\u0131\u011f\u0131nda, 220 milyar TL, yani 220 katrilyon 365 bin firmaya da\u011f\u0131t\u0131ld\u0131ktan sonra\u2026<\/p>\n<p>Bu krediler hangi esasla, kimlere, hangi gerek\u00e7elerle ve nas\u0131l da\u011f\u0131t\u0131ld\u0131, bilmiyoruz. \u00c7\u00fcnk\u00fc ortada bunun takibi i\u00e7in sa\u011fl\u0131kl\u0131 ve \u015feffaf bir mekanizma olmad\u0131\u011f\u0131 gibi, ekonomi y\u00f6netimi de rastgele y\u00f6ntem i\u00e7in \u00e7\u0131rp\u0131nd\u0131.<\/p>\n<p>\u015eimdi de \u00f6nlem alman\u0131n yolu aran\u0131yor. Neden? \u00c7\u00fcnk\u00fc bir \u00e7o\u011fu al\u0131nan paralar\u0131 \u00f6zel ama\u00e7larla kullan\u0131rken, \u00f6nemli bir b\u00f6l\u00fcm\u00fc de bankayla mahsupla\u015ft\u0131. Belki bankalar nefes ald\u0131, fakat katma de\u011fere d\u00f6nme ihtimali s\u0131f\u0131rlanan bu durumda da kredilerin geri \u00f6denmesi tamamen tesad\u00fcflere kald\u0131.<\/p>\n<p>Buna en hafif tabiriyle \u2018\u00f6nce ate\u015f edip, sonra ni\u015fan ald\u0131\u2019 derler. Asl\u0131nda bunu sadece KGF teminatl\u0131 kredilerde g\u00f6rm\u00fcyoruz. T\u00fcrkiye\u2019nin te\u015fvik sistemine baksan\u0131z da durum ayn\u0131. Hak edene de etmeyene de, mesela sadece bir b\u00f6lge s\u0131n\u0131r\u0131na girdi\u011fi i\u00e7in te\u015fvik vermenin de bundan fark\u0131 yok.<\/p>\n<p>Ger\u00e7ekten hak eden i\u015fletmeler finans kurumlar\u0131na ba\u015fvurdu\u011funda ise kimse projeleri veya yapt\u0131klar\u0131yla ilgilenmiyor. Mal varl\u0131klar\u0131 ya da teminatlar soruluyor. Yani finans sisteminde krediyi mala, kamu sisteminde de inisiyatife ba\u011flam\u0131\u015f durumday\u0131z.<\/p>\n<p>Bu y\u00fczden \u0131srarla T\u00fcrkiye\u2019de proje bankac\u0131l\u0131\u011f\u0131n\u0131n eksikli\u011fine dikkat \u00e7ekmeye \u00e7al\u0131\u015f\u0131yorum. Elbette bu tip bir finans sistemi kurabilmek i\u00e7in, \u00f6nce planl\u0131 bir ekonomi hedefiniz olmas\u0131, ona gidecek sapmalar\u0131 da tespit ederek yedek planlar\u0131n\u0131z\u0131n da cebinizde bulunmas\u0131 gerekiyor.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-1142352326\"><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>Envantersiz T\u00fcrkiye neye, nereye, nas\u0131l ve neden yat\u0131r\u0131m yapaca\u011f\u0131n\u0131 bilmiyor. Bu durumda da uygulanan sistemde iki sonu\u00e7 ortaya \u00e7\u0131k\u0131yor. Ya \u2018ne yapacaks\u0131n\u2019 de\u011fil, \u2018neyin var\u2019 diye soruluyor ya da \u2018kim arac\u0131l\u0131\u011f\u0131yla geldin\u2019 suali g\u00fcndeme geliyor.<\/p>\n<p>Genel te\u015fvik sistemi ise toptanc\u0131 bir bi\u00e7imde, bir s\u0131n\u0131r dahilinde gerekli gereksiz herkese te\u015fvik vaat ediyor. Bu da alt\u0131 bo\u015f \u00e7uvala para atmak veya nefese muhta\u00e7 adam\u0131n a\u011fz\u0131n\u0131 kapatmaya d\u00f6n\u00fcyor.<\/p>\n<p>Y\u0131llar \u00f6nce ter\u00f6rle m\u00fccadele \u00e7er\u00e7evesinde emek veren bir arkada\u015f\u0131m, askerde ya\u015fad\u0131\u011f\u0131 bir tespiti aktarm\u0131\u015ft\u0131. Diyordu ki: \u2018Ter\u00f6ristler ilk geldi\u011finde rastgele ate\u015f a\u00e7\u0131yor. Ate\u015fe kar\u015f\u0131l\u0131k yine rastgele verilirse, tacize devam ediyorlar. Ama silah sesleri tek tek geliyorsa, orada keskin ni\u015fanc\u0131lar veya uzman personel oldu\u011funu d\u00fc\u015f\u00fcnerek ka\u00e7\u0131yorlar.\u201d<\/p>\n<p>Sadece bu \u00f6rnek bile bize ne yapt\u0131\u011f\u0131n\u0131z\u0131n de\u011fil, hedefe ula\u015fan ne yapt\u0131\u011f\u0131n\u0131z\u0131n \u00f6nemli oldu\u011funu anlatmas\u0131 bak\u0131m\u0131ndan \u00f6nemli. \u00c7\u00fcnk\u00fc \u015fimdi \u00fclkenin g\u00fcndeminde \u015fu soru var:<\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2846434449\"><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>KGF kullan\u0131larak para da\u011f\u0131t\u0131ld\u0131 ve rakam baz\u0131nda bir b\u00fcy\u00fcme yakaland\u0131. Peki bundan sonra ne olacak ve o sunulan kredilerin geri \u00f6demesi ger\u00e7ekle\u015fecek mi? Yan\u0131t m\u0131? Paray\u0131 alan\u0131n s\u00fct\u00fcne ve g\u00fcc\u00fcne kalm\u0131\u015f.<\/p>\n<p><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kredi Garanti Fonu (KGF), teminat\u0131 alt\u0131nda verilen kredilerin do\u011fru noktaya ula\u015fmas\u0131 i\u00e7in \u00e7al\u0131\u015fma i\u00e7inde oldu\u011funu a\u00e7\u0131klad\u0131. Hedeflenen, sunulan kredilerin hem amac\u0131 d\u0131\u015f\u0131nda kullan\u0131lmas\u0131n\u0131 engellemek, hem&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-52880","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\/52880","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=52880"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/52880\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=52880"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=52880"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=52880"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}