{"id":53268,"date":"2018-02-07T09:53:46","date_gmt":"2018-02-07T06:53:46","guid":{"rendered":"https:\/\/www.bilgeyatirimci.com\/?p=53268"},"modified":"2018-02-07T09:53:46","modified_gmt":"2018-02-07T06:53:46","slug":"fatih-ozatay-finansal-derinlesmede-yolun-sonu-mu","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/fatih-ozatay-finansal-derinlesmede-yolun-sonu-mu\/","title":{"rendered":"Fatih \u00d6zatay &#8211; Finansal derinle\u015fmede yolun sonu mu?"},"content":{"rendered":"<h2>Fatih \u00d6zatay&#8217;\u0131n bug\u00fcnk\u00fc yaz\u0131s\u0131<\/h2>\n<p>T\u00fcrkiye ekonomisinin son on be\u015f y\u0131l\u0131na bak\u0131ld\u0131\u011f\u0131nda en \u00e7arp\u0131c\u0131 geli\u015fmelerden biri finans sekt\u00f6r\u00fcnde ya\u015fand\u0131. \u00d6nemli bir finansal derinle\u015fme ger\u00e7ekle\u015fti. Finansal derinle\u015fmeyi en belirgin sergileyen g\u00f6stergelerin ba\u015f\u0131nda toplam kredi stokunun gayri safi yurti\u00e7i has\u0131laya (GSYH) oran\u0131 geliyor: 2002 sonunda y\u00fczde 10\u2019un biraz \u00fczerindeyken, 2017\u2019nin \u00fc\u00e7\u00fcnc\u00fc \u00e7eyre\u011fi itibariyle y\u00fczde 60\u2019\u0131 az miktarda ge\u00e7mi\u015f durumda (Grafik 1).<\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-1592652882\"><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>Finansal derinle\u015fme genellikle olumlu bir geli\u015fme olarak yorumlan\u0131r. \u201cGenellikle\u201d \u00e7\u00fcnk\u00fc finansal derinle\u015fmenin ne \u00f6l\u00e7\u00fcde s\u00fcrd\u00fcr\u00fclebilir oldu\u011fu da \u00f6nemlidir. S\u00fcrd\u00fcr\u00fclebilirlik a\u00e7\u0131s\u0131ndan \u00f6zellikle iki noktaya dikkat etmek gerekir. Birincisi, belli bir zaman diliminde ger\u00e7ekle\u015fen finansal derinle\u015fmenin temel nedeni \u00e7ok h\u0131zl\u0131 kredi art\u0131\u015f\u0131 ise, b\u00fcy\u00fck ihtimalle o ekonomiye ili\u015fkin risk alg\u0131lamas\u0131 da art\u0131yordur. Zira t\u00fcm d\u00fcnyada ya\u015fanan finansal krizlerin \u00f6nemli bir k\u0131sm\u0131n\u0131n temelinde h\u0131zl\u0131 kredi art\u0131\u015f\u0131 oldu\u011funa i\u015faret ediyor ara\u015ft\u0131rmac\u0131lar. \u0130kincisi, kredi geni\u015flemesinin hangi kaynaklarla ger\u00e7ekle\u015fti\u011fi de \u00f6nemlidir. Mesela \u00f6nemli \u00f6l\u00e7\u00fcde d\u0131\u015f borca dayal\u0131 bir fonlamaya dayan\u0131larak ger\u00e7ekle\u015ftirilen kredi geni\u015flemesi de s\u00fcrd\u00fcr\u00fclebilir de\u011fildir. D\u0131\u015f bor\u00e7 giri\u015finin s\u00fcrece\u011finin garantisi yoktur \u00e7\u00fcnk\u00fc. \u00d6te yandan o ekonomiye ili\u015fkin risk alg\u0131lamas\u0131n\u0131 da y\u00fckseltecek bir geli\u015fme olabilir bu t\u00fcr bir kredi art\u0131\u015f\u0131.<\/p>\n<h6>Yaz\u0131n\u0131n devam\u0131 i\u00e7in <a href=\"https:\/\/www.dunya.com\/kose-yazisi\/finansal-derinlesmede-yolun-sonu-mu\/401944\" target=\"_blank\" rel=\"noopener nofollow external\" data-wpel-link=\"external\">TIKLAYINIZ.<\/a><\/h6>\n","protected":false},"excerpt":{"rendered":"<p>Fatih \u00d6zatay&#8217;\u0131n bug\u00fcnk\u00fc yaz\u0131s\u0131 T\u00fcrkiye ekonomisinin son on be\u015f y\u0131l\u0131na bak\u0131ld\u0131\u011f\u0131nda en \u00e7arp\u0131c\u0131 geli\u015fmelerden biri finans sekt\u00f6r\u00fcnde ya\u015fand\u0131. \u00d6nemli bir finansal derinle\u015fme ger\u00e7ekle\u015fti. Finansal derinle\u015fmeyi&hellip;<\/p>\n","protected":false},"author":16,"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":[808,801,837],"class_list":["post-53268","post","type-post","status-publish","format-standard","hentry","category-tumyazilar","tag-ekonomi-makaleleri","tag-ekonomi-yazarlari-listesi","tag-fatih-ozatay-yazilari"],"_links":{"self":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/53268","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\/16"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/comments?post=53268"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/53268\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=53268"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=53268"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=53268"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}