{"id":56558,"date":"2018-12-12T00:51:44","date_gmt":"2018-12-11T21:51:44","guid":{"rendered":"https:\/\/www.bilgeyatirimci.com\/?p=56558"},"modified":"2018-12-12T00:51:44","modified_gmt":"2018-12-11T21:51:44","slug":"cetin-unsalan-reel-sektor-icin-kaynak-sorunu-itirafi","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/cetin-unsalan-reel-sektor-icin-kaynak-sorunu-itirafi\/","title":{"rendered":"\u00c7etin \u00dcnsalan &#8211; Reel sekt\u00f6r i\u00e7in kaynak sorunu itiraf\u0131"},"content":{"rendered":"<p><em><strong>\u00dclkedeki finans d\u0131\u015f\u0131 sekt\u00f6r\u00fcn yani reel sekt\u00f6r olarak nitelendirdi\u011fimiz kesimin pozisyon a\u00e7\u0131\u011f\u0131 210 milyar dolar\u0131 ge\u00e7ti. Buna ilave olarak h\u0131zla d\u00fc\u015fen ihracattaki kazan\u00e7lar, yabanc\u0131 al\u0131c\u0131n\u0131n vade ve fiyat d\u00fc\u015f\u00fcrme talepleri de i\u015fin cabas\u0131&#8230;<\/strong><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-791173455\"><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>\u0130\u00e7 piyasaya bakt\u0131\u011f\u0131m\u0131zda k\u0131r\u0131lm\u0131\u015f bir \u00f6demeler zinciri, sadece dolar baz\u0131nda de\u011fil, TL baz\u0131nda da artan maliyetler, konkordatolar, gizli iflas i\u00e7inde ya\u015fayan firmalar, i\u015fsizlik ile ilgili bizi bekleyen tehlike, daralan bir ekonomi ve i\u00e7 piyasay\u0131 da arka arkaya s\u0131ralamak m\u00fcmk\u00fcn.<\/p>\n<p>Yani i\u015fin \u00f6z\u00fc reel sekt\u00f6r\u00fcn hem i\u015f hacmi a\u00e7\u0131s\u0131ndan, hem bor\u00e7luluk penceresinden, hem alacak tahsili boyutundan, hem de kayna\u011fa ula\u015fma bak\u0131m\u0131ndan s\u0131k\u0131nt\u0131lar\u0131 her ge\u00e7en g\u00fcn b\u00fcy\u00fcyor.<\/p>\n<p>Ge\u00e7 de olsa T\u00dcS\u0130AD ba\u015fta olmak \u00fczere reel sekt\u00f6r temsilcilerinden arka arkaya gelen a\u00e7\u0131klamalar da tamamen bunun eseri. Yani Maliye korkusu ile dahi susulan noktan\u0131n \u00f6tesine ge\u00e7ilmi\u015f vaziyette.<\/p>\n<p>Esasen finans kesiminde de durumun \u00e7ok farkl\u0131 oldu\u011fu s\u00f6ylenemez. Orada da ba\u015fta in\u015faat sekt\u00f6r\u00fcnden kaynaklanan riskler olmak \u00fczere, karl\u0131l\u0131\u011f\u0131n dosya masraf\u0131 ve benzeri bankac\u0131l\u0131k d\u0131\u015f\u0131 gelirlere dayanmas\u0131, sendikasyon kredilerindeki maliyetler ba\u015fta olmak \u00fczere, 28 milyonu a\u015fan icra dosyas\u0131 ve 600 milyar TL\u2019ye vurmu\u015f t\u00fcketici kredisi riskin boyutunu y\u00fckseltiyor.<\/p>\n<p>T\u00fcm bu foto\u011fraf i\u00e7erisinde ekonomi y\u00f6netiminden bir hamle beklersiniz de\u011fil mi? Bakan Albayrak\u2019\u0131n d\u00fcnk\u00fc a\u00e7\u0131klamalar\u0131nda, hamle mi de\u011fil mi oldu\u011fu \u00e7ok belli olmayan, ama bir tarafta itiraf i\u00e7eren, \u00f6te tarafta ate\u015fle oynanan bir senaryonun da i\u00e7ine itildi\u011fimizi anl\u0131yoruz.<\/p>\n<p>Bakan Albayrak \u015f\u00f6yle diyor: \u201c\u015eirketlerin bankac\u0131l\u0131k sekt\u00f6r\u00fcne ba\u011f\u0131ml\u0131l\u0131\u011f\u0131n\u0131 azaltmam\u0131z laz\u0131m.\u201d Asl\u0131nda bu c\u00fcmleden bir ka\u00e7 anlam \u00e7\u0131karmal\u0131y\u0131z. Birincisi Bakan\u2019\u0131n bankalar\u0131n, ekonomiyi finanse etmek i\u00e7in bir ara\u00e7 oldu\u011funu hen\u00fcz fark etmemi\u015f oldu\u011fu ger\u00e7e\u011fidir.<\/p>\n<p>Bir sistemin \u00f6tesine ge\u00e7erken bankac\u0131l\u0131k, yani finansman modellerini bankac\u0131l\u0131\u011f\u0131 yok sayarak konu\u015fuyorsan\u0131z, ger\u00e7ekten ba\u015fka bir pencereniz var demektir. \u0130kinci olarak Bakan\u2019\u0131n s\u00f6zlerinden anl\u0131yoruz ki muslu\u011fun suyu kesildi. Yani bankac\u0131l\u0131k sekt\u00f6r\u00fcnde reel sekt\u00f6re aktar\u0131lacak kaynak da yok, bunu alabilecek bilan\u00e7oya sahip firma da&#8230;<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3130660150\"><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>Siz \u00fclkede proje bankac\u0131l\u0131\u011f\u0131n\u0131 konu\u015fmadan, mevduat bankac\u0131l\u0131\u011f\u0131 \u00fczerinden tapu kar\u015f\u0131l\u0131\u011f\u0131 kredi verilmesini tart\u0131\u015fmadan bu meseleye yakla\u015f\u0131yorsan\u0131z, zaten ayr\u0131 bir telden \u00e7al\u0131yorsunuz demektir.<\/p>\n<p>\u00dc\u00e7\u00fcnc\u00fcs\u00fc kamu kaynak aktarabilir. Tercih edilmese de bir se\u00e7enektir. Fakat Bakan Albayrak\u2019\u0131n \u00e7\u00f6z\u00fcm diye ortaya koydu\u011fu konu\u015fmada, bundan bahsedilmedi\u011fine g\u00f6re, kamuda da yeterli kayna\u011f\u0131n olmad\u0131\u011f\u0131n\u0131 anl\u0131yoruz.<\/p>\n<p>D\u00f6rd\u00fcnc\u00fc olarak ise \u00e7\u00f6z\u00fcm ad\u0131n\u0131 sunulan Varl\u0131\u011fa Dayal\u0131 Menkul K\u0131ymet \u0130hrac\u0131 se\u00e7ene\u011fi&#8230; \u0130ktidar medyas\u0131nda alk\u0131\u015f tutulsa da, \u00f6ncelikle Bakan\u2019\u0131n s\u00f6zlerinden anl\u0131yoruz ki, reel sekt\u00f6r tan\u0131mlar\u0131 tamamen in\u015faattan ibaret. G\u00f6z\u00fcken o ki, in\u015faat d\u0131\u015f\u0131ndaki sekt\u00f6rler kaderleriyle ba\u015f ba\u015fa b\u0131rak\u0131lacak.<\/p>\n<p>Yani bundan da 2019 y\u0131l\u0131nda reel sekt\u00f6r\u00fcn ciddi bir finansman s\u0131k\u0131nt\u0131 ya\u015fayaca\u011f\u0131n\u0131 ve s\u0131k s\u0131k dile getirdi\u011fim \u00fczere \u00f6n\u00fcm\u00fczdeki y\u0131l\u0131n bir numaral\u0131 g\u00fcndem maddesinin i\u015fsizlik olaca\u011f\u0131n\u0131 yeniden anl\u0131yoruz.<\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-724891123\"><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>Ate\u015fle oynama meselesine gelince&#8230; Asl\u0131nda Bakan da tehlikenin fark\u0131nda; \u00e7\u00fcnk\u00fc a\u00e7\u0131klamas\u0131nda ABD\u2019deki uygulamaya at\u0131fta bulunarak, bu giri\u015fimi ABD\u2019deki \u00f6rnekle kar\u015f\u0131la\u015ft\u0131rman\u0131n iyi niyetli bir yakla\u015f\u0131m olmad\u0131\u011f\u0131n\u0131 s\u00f6yleyerek, ba\u015ftan savunma mekanizmas\u0131n\u0131 harekete ge\u00e7irdi.<\/p>\n<p>ABD\u2019deki uygulama herkesin bildi\u011fi \u00fczere mortgage krizini tetikleyen unsurlar\u0131n \u00f6nemli nedenlerinden biri olmu\u015ftu. Emlak Bankas\u0131 meselesine hi\u00e7 girmiyorum. \u00c7\u00fcnk\u00fc oradaki h\u00fclle belki de devlet politikas\u0131yla ilgili ve toleransl\u0131 bir kredi vermeyi tercih ediyorum. Ama takip edece\u011fimi belirterek ve muhalefet \u015ferhimi de ekleyerek&#8230;<\/p>\n<p>S\u00f6z\u00fcn \u00f6z\u00fc \u015fu: Bu iktidar, in\u015faattan ba\u015fka reel sekt\u00f6r akt\u00f6r\u00fc tan\u0131m\u0131yor. Yang\u0131nda kurtar\u0131lacak ilk ba\u015fl\u0131\u011f\u0131 in\u015faat olarak g\u00f6r\u00fcyor. Bunu yaparken tehlikeli bir oyun oynuyor. Reel sekt\u00f6re de gelecek d\u00f6nemde finansman yerine, nasihat ve daha \u00e7ok vergi talebi geliyor. Elbette tahsil edilebilirse&#8230; Bunun da yeni vergi ve prim bar\u0131\u015f\u0131 f\u0131rt\u0131nas\u0131n\u0131n habercisi oldu\u011funu \u015fimdiden s\u00f6ylemek m\u00fcmk\u00fcn.<\/p>\n<p>Sonu\u00e7 mu? 2019 hi\u00e7 tatl\u0131 gelmedi\u011fi gibi; ekonomi y\u00f6netimi de dersini hep en \u00e7ok bildi\u011fini d\u00fc\u015f\u00fcnd\u00fc\u011f\u00fc, ama en \u00e7ok hata yap\u0131p zay\u0131f ald\u0131\u011f\u0131 konu \u00fczerinden \u00e7al\u0131\u015f\u0131yor.<\/p>\n<p><u>cetinunsalan@yahoo.com<\/u><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00dclkedeki finans d\u0131\u015f\u0131 sekt\u00f6r\u00fcn yani reel sekt\u00f6r olarak nitelendirdi\u011fimiz kesimin pozisyon a\u00e7\u0131\u011f\u0131 210 milyar dolar\u0131 ge\u00e7ti. Buna ilave olarak h\u0131zla d\u00fc\u015fen ihracattaki kazan\u00e7lar, yabanc\u0131 al\u0131c\u0131n\u0131n&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-56558","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\/56558","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=56558"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/56558\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=56558"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=56558"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=56558"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}