{"id":55038,"date":"2018-06-25T03:48:28","date_gmt":"2018-06-25T00:48:28","guid":{"rendered":"https:\/\/www.bilgeyatirimci.com\/?p=55038"},"modified":"2018-06-25T03:48:28","modified_gmt":"2018-06-25T00:48:28","slug":"cetin-unsalan-borc-vermek-yerine-ortak-olun","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/cetin-unsalan-borc-vermek-yerine-ortak-olun\/","title":{"rendered":"\u00c7etin \u00dcnsalan &#8211; Bor\u00e7 vermek yerine ortak olun"},"content":{"rendered":"<p><em><strong>K\u00fc\u00e7\u00fck ve orta boy i\u015fletmelerin kredi borcu 550 milyar TL\u2019ye yakla\u015f\u0131rken, ekonomik geli\u015fmeler de bu krediyi \u00f6demekte s\u0131k\u0131nt\u0131 ya\u015fad\u0131klar\u0131n\u0131 ve ya\u015fayacaklar\u0131n\u0131 g\u00f6steriyor. Yine haberlere yans\u0131d\u0131\u011f\u0131 kadar\u0131yla \u00f6zel bankalar\u0131n verdi\u011fi kredi hacimleri y\u00fczde 7\u2019lere kadar geriledi ve kredilendirme kamu bankalar\u0131 arac\u0131l\u0131\u011f\u0131yla yap\u0131ld\u0131.<\/strong><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2238541928\"><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>Kamu bu firmalar\u0131 desteklesin; g\u00fczel de; neyi destekledi\u011fi biliyor mu? \u00c7\u00fcnk\u00fc bug\u00fcn itibariyle bizdeki kredi verme mekanizmas\u0131 teminatlar \u00fczerine kurgulu ve ulufe da\u011f\u0131t\u0131r cinsten yap\u0131l\u0131yor. Hatta bu kredilerin verilmesinde baz\u0131 kay\u0131rmalar\u0131n yap\u0131ld\u0131\u011f\u0131 da dikkat \u00e7eken iddialar\u0131n aras\u0131nda yer al\u0131yor.<\/p>\n<p>O zaman bir an durup d\u00fc\u015f\u00fcnelim ve kendi kendimize soral\u0131m: Bug\u00fcne kadar milyarca TL kredi ya da te\u015fvi\u011fi reel sekt\u00f6re sunmam\u0131za ra\u011fmen neden b\u00fcy\u00fck bir batakl\u0131\u011f\u0131n i\u00e7erisinde k\u0131vran\u0131yor; a\u00e7mazlar\u0131m\u0131z\u0131 konu\u015fuyor ve \u00fcretim odakl\u0131 bir b\u00fcy\u00fcme yakalayam\u0131yoruz?<\/p>\n<p>Bunun temelinde herhangi ciddi bir ekonomi program\u0131 olmadan ulufe cinsinden kredi ya da te\u015fvik da\u011f\u0131tma yakla\u015f\u0131m\u0131n\u0131n b\u00fcy\u00fck rol\u00fc var. Bak\u0131n yakalanan PKK\u2019l\u0131 ter\u00f6ristlerin bas\u0131na yans\u0131yan ifadelerini hat\u0131rlay\u0131n.<\/p>\n<p>Bir yere silahl\u0131 sald\u0131r\u0131 yapt\u0131klar\u0131 s\u0131rada, kar\u015f\u0131dan gelen cevaba bakt\u0131klar\u0131n\u0131 s\u00f6yl\u00fcyorlar. E\u011fer rast gele ate\u015f a\u00e7\u0131l\u0131yorsa, oradaki askerlerin acemi oldu\u011funu anlad\u0131klar\u0131n\u0131 itiraf ediyorlar. Lakin kar\u015f\u0131l\u0131k nokta at\u0131\u015f\u0131 ve tek tek geliyorsa, d\u00f6n\u00fcp ka\u00e7t\u0131klar\u0131n\u0131 da yine itiraflar\u0131nda belirtiyorlar.<\/p>\n<p>Hadi bunu ekonomiye uyarlayal\u0131m. \u015eayet siz bir hedefiniz olmadan ve niteliklerinize uygun yap\u0131lanmalar i\u00e7inde de\u011filken sorunlara para da\u011f\u0131tarak kar\u015f\u0131l\u0131k verirseniz; havaya rast gele ate\u015f etmi\u015f olursunuz. Bu durum da sonu\u00e7 alman\u0131z ise tesad\u00fcflere ba\u011fl\u0131 kal\u0131r.<\/p>\n<p>Fakat hedefinize kilitlenip, her merminin ya da kuru\u015fun hesab\u0131n\u0131 yaparak sorumluluk i\u00e7erisinde sonu\u00e7 al\u0131c\u0131 bir at\u0131\u015f yap\u0131yorsan\u0131z, ter\u00f6risti bile ka\u00e7\u0131r\u0131yorsunuz. O zaman bu te\u015fvik ya da kredi ad\u0131 alt\u0131nda para da\u011f\u0131tma zihniyetinden vazge\u00e7memiz gerekiyor.<\/p>\n<p>Bu i\u015fin \u00e7\u00f6z\u00fcm\u00fc planl\u0131 bir ekonomi politikas\u0131 belirlemek, olas\u0131 sapmalar\u0131n\u0131 \u00f6ng\u00f6r\u00fcp, buna kar\u015f\u0131l\u0131k alternatif eylem planlar\u0131 geli\u015ftirmek ve verdi\u011finiz her kuru\u015fun nereye gitti\u011fini ve ne sonu\u00e7 al\u0131nd\u0131\u011f\u0131n\u0131 sorgulamakt\u0131r.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-170783737\"><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>S\u0131k\u0131\u015fan her firmaya ula\u015famazs\u0131n\u0131z. Ama sizden ald\u0131\u011f\u0131 her kuru\u015fu verimli kullanan firmalar\u0131 tespit edip, tekrar \u00f6nceli\u011fi onlardan ba\u015flat\u0131r, yani kamunun verdi\u011finiz kaynaklar\u0131n\u0131n takip\u00e7isi olursan\u0131z, bir ilerleme sa\u011flamam\u0131z m\u00fcmk\u00fcn.<\/p>\n<p>Bunu da askeri ve bask\u0131c\u0131 y\u00f6ntemlerle yapamazs\u0131n\u0131z. T\u00fcrkiye\u2019nin bir an \u00f6nce ihtiya\u00e7 ya da t\u00fcketim odakl\u0131 kredi, te\u015fvik mekanizmas\u0131ndan \u00e7\u0131k\u0131p, proje bankac\u0131l\u0131\u011fa d\u00f6nmesini gerekir. Yani sizden para isteyenden \u00f6nce bu paray\u0131 ne i\u00e7in kullanaca\u011f\u0131 ve nas\u0131l geri \u00f6deyece\u011fini \u00f6\u011frenin.<\/p>\n<p>\u015eayet proje \u00fclkeye y\u00fcksek katma de\u011fer sa\u011flayacaksa, u\u00e7 noktada hibeye d\u00f6n\u00fc\u015ft\u00fcrecek metotlar\u0131 bile devreye sokars\u0131n\u0131z. Bu halimizle sadece g\u00fcn kurtar\u0131yor; yok can\u0131m\u0131zda da\u011f\u0131tt\u0131klar\u0131m\u0131 alt\u0131 delik \u00e7uvala at\u0131yoruz.<\/p>\n<p><u><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/u><\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2070588575\"><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>K\u00fc\u00e7\u00fck ve orta boy i\u015fletmelerin kredi borcu 550 milyar TL\u2019ye yakla\u015f\u0131rken, ekonomik geli\u015fmeler de bu krediyi \u00f6demekte s\u0131k\u0131nt\u0131 ya\u015fad\u0131klar\u0131n\u0131 ve ya\u015fayacaklar\u0131n\u0131 g\u00f6steriyor. Yine haberlere yans\u0131d\u0131\u011f\u0131&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-55038","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\/55038","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=55038"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/55038\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=55038"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=55038"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=55038"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}