{"id":56712,"date":"2019-01-11T09:31:40","date_gmt":"2019-01-11T06:31:40","guid":{"rendered":"https:\/\/www.bilgeyatirimci.com\/?p=56712"},"modified":"2019-01-11T09:31:40","modified_gmt":"2019-01-11T06:31:40","slug":"cetin-unsalan-teminatsiz-kredi-olur-mu","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/cetin-unsalan-teminatsiz-kredi-olur-mu\/","title":{"rendered":"\u00c7etin \u00dcnsalan &#8211; Teminats\u0131z kredi olur mu?"},"content":{"rendered":"<p><em><strong>K\u00fc\u00e7\u00fck ve orta boy i\u015fletmelere m\u00fcjde ad\u0131 alt\u0131nda yine ulufe stratejisi devreye girdi. Yanl\u0131\u015f anla\u015f\u0131lmas\u0131n. \u00dclkede KOB\u0130\u2019lerin desteklenmesi ve kalk\u0131nman\u0131n da nitelikli, yenilik\u00e7i bu tip i\u015fletmelerle yap\u0131labilece\u011fine inanan biri olarak bunu s\u00f6yl\u00fcyorum.<\/strong><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-25741949\"><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>Fakat bizdeki kredi da\u011f\u0131tma ulufe da\u011f\u0131tmaya d\u00f6n\u00fc\u015ft\u00fc. Yani herkese bol kep\u00e7eden kredi da\u011f\u0131t\u0131laca\u011f\u0131n\u0131 s\u00f6ylemek, bug\u00fcnk\u00fc ekonomik ko\u015fullarda ya hesap bilmezliktir ya da i\u015fi ba\u015f\u0131ndan savmakt\u0131r.<\/p>\n<p>Her ne kadar mesleki kurulu\u015flar\u0131m\u0131z Bakan Albayrak\u2019\u0131n a\u00e7\u0131klad\u0131\u011f\u0131 son pakete alk\u0131\u015f tuttuysa da, ger\u00e7ek\u00e7i sorular\u0131 sorduklar\u0131 konusunda ciddi \u015f\u00fcphelerim var. 6 ay \u00f6demesiz ve cirosu 25 milyon TL\u2019nin alt\u0131ndaki \u015firketlere kredi da\u011f\u0131t\u0131laca\u011f\u0131n\u0131 a\u00e7\u0131klamam, hatta teminat aranmayaca\u011f\u0131n\u0131 s\u00f6ylemek size ger\u00e7ek\u00e7i geliyor mu?<\/p>\n<p>Burada iki ihtimal olabilir. Bunlardan birincisi b\u00f6yle bir para da\u011f\u0131t\u0131lmayacak. \u0130kincisi de reel sekt\u00f6r\u00fcn zorland\u0131\u011f\u0131n\u0131 noktaya, zaten zor durumdaki bankalar da dahil edilecek. Peki mevduat fakiri bu \u00fclkede, yurtd\u0131\u015f\u0131ndan getirilen paralar b\u00f6yle da\u011f\u0131t\u0131labilir mi? Da\u011f\u0131t\u0131l\u0131rsa, yeniden sendikasyona \u00e7\u0131k\u0131ld\u0131\u011f\u0131nda para bulunabilir mi?<\/p>\n<p>\u00d6ncelikle bankalar\u0131n verece\u011fini s\u00f6yledi\u011fi kredilerin b\u00fcy\u00fck \u00f6l\u00e7\u00fcde yap\u0131land\u0131rma olarak hayat\u0131m\u0131za girece\u011fi, devletin de bu noktada vergi, SGK alacaklar\u0131n\u0131 tahsil y\u00f6n\u00fcne gidece\u011fini biliyoruz. Peki teminats\u0131z meselesini nas\u0131l halledece\u011fiz?<\/p>\n<p>E\u011fer bir teminat istenmiyorsa ve a\u011f\u0131rl\u0131kl\u0131 olarak kamu bankalar\u0131ndan bu paralar veriliyorsa, anlay\u0131n ki teminat devlettir. Yani yar\u0131n \u00f6b\u00fcr g\u00fcn bu bor\u00e7lar \u00f6denmezse, zarar hanesine yaz\u0131larak devletin s\u0131rt\u0131na bindirilecek.<\/p>\n<p>Peki ne yapal\u0131m? Vermeyelim mi? Ekonomide k\u0131t kaynaklar\u0131n etkin kullan\u0131m\u0131 diye bir kavram vard\u0131r. Siz \u00f6n\u00fcne gelene kritere uyuyor diye bu paralar\u0131 da\u011f\u0131t\u0131rsan\u0131z, sadece legal \u00e7al\u0131\u015fan firmalar kar\u015f\u0131s\u0131nda, piyasa bozucu firmalara destek vermekle kalmaz; yeni bir konkordato f\u0131rt\u0131nas\u0131n\u0131n daha esmesine sebep olursunuz.<\/p>\n<p>Bu tip krediler belli bir planlama do\u011frultusunda, insanlar sussun diye de\u011fil, ekonominin bu planlar\u0131 uygulans\u0131n diye verilir. Bunu verirken de firman\u0131n gizli iflas i\u00e7inde olmad\u0131\u011f\u0131ndan ba\u015flayarak, yenilik\u00e7ili\u011fine kadar bir dizi kriter arars\u0131n\u0131z. Yani bu paran\u0131n geri d\u00f6nebilmesi i\u00e7in, borca harca de\u011fil, \u00fcretime d\u00f6n\u00fcp, katma de\u011ferli bir bi\u00e7imde geri \u00f6denmesini hedeflersiniz.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-1254757279\"><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>Bu da ancak neyi destekledi\u011fini bilen, deste\u011finin kar\u015f\u0131l\u0131\u011f\u0131n\u0131 da sorgulayabilen bir yakla\u015f\u0131mla m\u00fcmk\u00fcn olur. Yoksa tarihteki Boncuklu Deli \u0130brahim haline d\u00f6n\u00fc\u015f\u00fcr\u00fcz. Bozuk bir psikolojiyle g\u00fcn\u00fc kurtarman\u0131n tela\u015f\u0131 i\u00e7erisinde ne yapt\u0131\u011f\u0131m\u0131z\u0131 \u015fa\u015f\u0131r\u0131r hale geliriz.<\/p>\n<p>Mevcut \u015fartlar alt\u0131nda bankalar\u0131n teminats\u0131z kredi vermesi m\u00fcmk\u00fcn de\u011fil. Bask\u0131yla m\u00fcmk\u00fcn olabilir mi? Hay\u0131r&#8230; Bilin ki firmalardan teminat istenmiyorsa, onun teminat\u0131 devlet olmu\u015ftur. Bu durumda da daha ger\u00e7ek\u00e7i ve ekonomiye katk\u0131 sa\u011flamay\u0131 hedefleyen nokta at\u0131\u015f\u0131 i\u015fler yapmak zorunlu hale gelir.<\/p>\n<p>Yine hepsini alt alta koydu\u011fumuzda soruyu bir kez daha soral\u0131m. Teminats\u0131z kredi olur mu? Elbette olur. Ama bunun ad\u0131 bug\u00fcnk\u00fc anlamda uygulanan bankac\u0131l\u0131k olmaz. Proje bankac\u0131l\u0131\u011f\u0131n\u0131 devreye sokar; firmalar\u0131n ekonomiye art\u0131 de\u011fer katacak projelerine bir risk sermaye \u015firketi gibi ortak olma metodunu yarat\u0131rs\u0131n\u0131z. Bence T\u00fcrkiye\u2019nin \u0131srarla \u00fczerinde durmas\u0131 gereken ve ge\u00e7 kald\u0131\u011f\u0131 ba\u015fl\u0131klardan biridir.<\/p>\n<p>Yani bask\u0131yla bankalara para da\u011f\u0131tt\u0131rmaya \u00e7al\u0131\u015fmak yerine, bankalar\u0131 do\u011fru kulvar\u0131na \u00e7ekip, reel sekt\u00f6r projelerini destekleyen finans kurulu\u015flar\u0131 haline getirmelisiniz. Bu durumda da asl\u0131nda teminats\u0131z kredi vermemi\u015f oluyorsunuz.<\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-1470039774\"><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>Projenin kendisi en b\u00fcy\u00fck teminat. \u00c7\u00fcnk\u00fc o proje g\u00fcn\u00fcn sonunda para satmaktan ba\u015fka bir \u015fey bilmeyen bankalara da para kazand\u0131racak \u00f6zellikte olacakt\u0131r. Bu hem \u00fclkeye, hem ekonomiye, hem reel sekt\u00f6re, hem de istihdam art\u0131\u015f\u0131yla \u00e7al\u0131\u015fana kazand\u0131r\u0131r. Bankalar da hem yap\u0131sal de\u011fi\u015fikli\u011fe gider; hem de paray\u0131 ald\u0131klar\u0131na kar\u015f\u0131 a\u00e7\u0131klanabilir bir pozisyona eri\u015firler.<\/p>\n<p>Aksi takdirde g\u00f6r\u00fcnen tablo \u00fczerinden m\u00fcjde diye aktar\u0131lan bu kredilere sevinmek de, sonucu d\u00fc\u015f\u00fcnmeden para da\u011f\u0131tt\u0131rmak da, sonu\u00e7lar\u0131 \u00e7ok daha a\u011f\u0131r olarak \u00f6n\u00fcm\u00fcze gelecek bir ak\u0131l tutulmas\u0131d\u0131r. KOB\u0130\u2019leri destekleyin, ulufe da\u011f\u0131tmay\u0131n.<\/p>\n<p><u><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/u><\/p>\n","protected":false},"excerpt":{"rendered":"<p>K\u00fc\u00e7\u00fck ve orta boy i\u015fletmelere m\u00fcjde ad\u0131 alt\u0131nda yine ulufe stratejisi devreye girdi. Yanl\u0131\u015f anla\u015f\u0131lmas\u0131n. \u00dclkede KOB\u0130\u2019lerin desteklenmesi ve kalk\u0131nman\u0131n da nitelikli, yenilik\u00e7i bu tip&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-56712","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\/56712","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=56712"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/56712\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=56712"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=56712"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=56712"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}