{"id":53513,"date":"2018-02-28T04:42:04","date_gmt":"2018-02-28T01:42:04","guid":{"rendered":"https:\/\/www.bilgeyatirimci.com\/?p=53513"},"modified":"2018-02-28T04:42:04","modified_gmt":"2018-02-28T01:42:04","slug":"cetin-unsalan-vatandasi-okuyamayan-bakan","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/cetin-unsalan-vatandasi-okuyamayan-bakan\/","title":{"rendered":"\u00c7etin \u00dcnsalan &#8211; Vatanda\u015f\u0131 okuyamayan bakan"},"content":{"rendered":"<p><em><strong>T\u00fcrkiye genelindeki israf\u0131n tespit edilebilmesi amac\u0131yla bir ara\u015ft\u0131rma yap\u0131ld\u0131. Ara\u015ft\u0131rmay\u0131 yapt\u0131ran G\u00fcmr\u00fck ve Ticaret Bakanl\u0131\u011f\u0131; talimat\u0131 veren Bakan B\u00fclent T\u00fcfenk\u00e7i\u2026<\/strong><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-969983621\"><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>Bakan T\u00fcfenk\u00e7i \u00e7\u0131kan sonu\u00e7lar\u0131 de\u011ferlendirirken israf\u0131n \u00f6nlenmesi, al\u0131\u015fveri\u015f \u00f6ncesi liste yap\u0131lmas\u0131 gibi bir dizi \u00f6nerileri payla\u015ft\u0131. Hakl\u0131 m\u0131? Hakl\u0131\u2026 T\u00fcrkiye\u2019de \u00e7ok ciddi bir t\u00fcketim bilin\u00e7sizli\u011fi oldu\u011funu biliyoruz.<\/p>\n<p>Lakin ara\u015ft\u0131rmada ortaya \u00e7\u0131kan bulgular, \u00f6yle ilgin\u00e7 mesajlar\u0131 veriyor ki, normal \u015fartlar alt\u0131nda \u00f6nce bu alarm\u0131 do\u011fru okumak gerekiyordu. Oysa Bakan T\u00fcfenk\u00e7i\u2019nin dikkatini, hanehalk\u0131n\u0131n y\u00fczde 40\u2019\u0131n\u0131n harcamalar\u0131n\u0131 artt\u0131raca\u011f\u0131 bulgusu daha \u00e7ok \u00e7ekmi\u015f ve gereksiz harcamalardan imtina edilmesi gerekti\u011fini s\u00f6yl\u00fcyor.<\/p>\n<p>Ben de Bakan ile ayn\u0131 fikirdeyim. T\u00fcrk t\u00fcketicisinin bu konuda bilin\u00e7lendirilmesinin de \u00f6nemli oldu\u011funu d\u00fc\u015f\u00fcn\u00fcyorum. Ancak di\u011fer sonu\u00e7lara g\u00f6z atmakta fayda var. \u00c7\u00fcnk\u00fc sonu\u00e7lar\u0131n\u0131 yorumlamayacaksan\u0131z, ara\u015ft\u0131rma yapman\u0131n da bir anlam\u0131 yok.<\/p>\n<p>Ara\u015ft\u0131rmaya g\u00f6re T\u00fcrk vatanda\u015f\u0131n\u0131n y\u00fczde 86,4\u2019\u00fc son bir y\u0131l i\u00e7inde tasarruf yapmad\u0131\u011f\u0131n\u0131, yapabilenlerin de gelirinin be\u015fte birini ay\u0131rd\u0131\u011f\u0131n\u0131 g\u00f6steriyor. Bu, ge\u00e7im s\u0131k\u0131nt\u0131s\u0131n\u0131n ve gelir probleminin hayk\u0131rd\u0131\u011f\u0131 bir bulgu. Ama okunup, ge\u00e7ildi.<\/p>\n<p>Gelelim tasarruf e\u011filimli y\u00fczde 13,7\u2019lik orana\u2026 Bunun y\u00fczde 20\u2019si TL ve d\u00f6viz birikimini, y\u00fczde 77,2\u2019si de alt\u0131n\u0131n\u0131 evde sakl\u0131yor. Bu, T\u00fcrkiye\u2019de bankac\u0131l\u0131k sistemine g\u00fcvenilmedi\u011finin en net g\u00f6stergesi. Ama okunup, ge\u00e7ildi.<\/p>\n<p>Hanehalk\u0131n\u0131n y\u00fczde 55\u2019inin kredi ve kredi kart\u0131 borcu var. T\u00dc\u0130K 2017 May\u0131s a\u00e7\u0131klamal\u0131 istatistiklere g\u00f6re, 2016 itibariyle \u00fclkemizdeki hane say\u0131s\u0131 22 milyon 206 bin 776, ortalama hanehalk\u0131 b\u00fcy\u00fckl\u00fc\u011f\u00fc 3,5 ki\u015fi. Bu, d\u00f6rt i\u015flem hesab\u0131yla 42 milyon 746 bin ki\u015fiyi a\u015fk\u0131n bir n\u00fcfusun bor\u00e7lu oldu\u011funu g\u00f6sterir. Ama okunup, ge\u00e7ildi.<\/p>\n<p>\u0130\u015f kredi kart\u0131yla bitiyor mu? Hay\u0131r\u2026 \u00c7\u00fcnk\u00fc ayn\u0131 ara\u015ft\u0131rma toplumun y\u00fczde 60\u2019\u0131n\u0131n giderinin gelirinden fazla olmas\u0131 halinde yak\u0131nlar\u0131ndan bor\u00e7 ald\u0131\u011f\u0131n\u0131 g\u00f6steriyor. Yani rakamlarda g\u00f6z\u00fckmeyen zincirleme bir bor\u00e7 yap\u0131s\u0131 daha var. Bu, olas\u0131 bat\u0131\u011f\u0131n bir haneden daha fazlas\u0131n\u0131 olumsuz etkileyece\u011finin sinyalini veriyor. Ama okunup, ge\u00e7ildi.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-795203063\"><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>Yine yere g\u00f6\u011fe s\u0131\u011fd\u0131r\u0131lamayan bireysel emeklilik sistemiyle tasarrufu se\u00e7enlerin oran\u0131n\u0131n sadece binde 8 oldu\u011fu g\u00f6r\u00fcl\u00fcyor. Bu, insanlara \u00f6zel sekt\u00f6re ait bir \u00fcr\u00fcn\u00fc, kamu g\u00fcc\u00fcyle zorla satmaman\u0131z gerekti\u011fini anlat\u0131yor. Ama okunup, ge\u00e7ildi.<\/p>\n<p>Peki vatanda\u015f nas\u0131l tasarruf yapabilir? Bakan T\u00fcfenk\u00e7i\u2019nin \u00f6nerileri var. Ama bence sokaktaki adam, laf kalabal\u0131\u011f\u0131n\u0131 bir kenara atarsak bunun yan\u0131t\u0131n\u0131 da vermi\u015f. Y\u00fczde 80\u2019i ayl\u0131k giderlerinin azalt\u0131lmas\u0131 i\u00e7in fatura giderlerinin azalt\u0131lmas\u0131 gerekti\u011fini s\u00f6yl\u00fcyor. Bu, anlat\u0131ld\u0131\u011f\u0131 gibi yurtta\u015f\u0131n israftan de\u011fil, dolayl\u0131 vergilerle fahi\u015f noktalara getirilen faturalarla zor duruma girdi\u011fini hayk\u0131r\u0131yor. Ama okunup, ge\u00e7ildi.<\/p>\n<p>\u0130\u015fin \u00f6z\u00fc \u015fu\u2026 Bakan bence \u00e7ok do\u011fru bir i\u015f yapm\u0131\u015f ve israf ile ilgili bir ara\u015ft\u0131rma i\u00e7in kollar\u0131 s\u0131vam\u0131\u015f. \u00dclkede israf var m\u0131, var. Ama israf\u0131 \u00f6nlemek vatanda\u015ftan de\u011fil, kamu y\u00f6netiminden ge\u00e7iyor. \u00c7\u00fcnk\u00fc bal\u0131k ba\u015ftan kokar. \u00d6rnek olmas\u0131 gerekenler israf i\u00e7indeyse, sokaktaki insan\u0131 disiplin alt\u0131na alamazs\u0131n\u0131z.<\/p>\n<p>Lakin bundan daha \u00f6nemlisi, ba\u015fka niyetle yap\u0131lan ara\u015ft\u0131rmadan, bamba\u015fka de\u011ferli veriler ve soka\u011f\u0131n nabz\u0131 \u00e7\u0131km\u0131\u015f. Fakat kimsenin anlamaya niyeti yok.<\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3650828670\"><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>\u0130ngiliz \u015eair Lord Byron\u2019un \u00e7ok g\u00fczel bir s\u00f6z\u00fc vard\u0131r. Der ki: \u201cSiz kendiniz meseleyi anlamad\u0131k\u00e7a, onu ba\u015fkas\u0131na anlatamazs\u0131n\u0131z.\u201d Bilmem, anlatabildim mi?<\/p>\n<p><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>T\u00fcrkiye genelindeki israf\u0131n tespit edilebilmesi amac\u0131yla bir ara\u015ft\u0131rma yap\u0131ld\u0131. Ara\u015ft\u0131rmay\u0131 yapt\u0131ran G\u00fcmr\u00fck ve Ticaret Bakanl\u0131\u011f\u0131; talimat\u0131 veren Bakan B\u00fclent T\u00fcfenk\u00e7i\u2026 Bakan T\u00fcfenk\u00e7i \u00e7\u0131kan sonu\u00e7lar\u0131 de\u011ferlendirirken&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-53513","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\/53513","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=53513"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/53513\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=53513"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=53513"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=53513"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}