{"id":56817,"date":"2019-01-31T05:12:20","date_gmt":"2019-01-31T02:12:20","guid":{"rendered":"https:\/\/www.bilgeyatirimci.com\/?p=56817"},"modified":"2019-01-31T05:12:20","modified_gmt":"2019-01-31T02:12:20","slug":"cetin-unsalan-borclara-cilgin-cozum","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/cetin-unsalan-borclara-cilgin-cozum\/","title":{"rendered":"\u00c7etin \u00dcnsalan &#8211; Bor\u00e7lara \u00e7\u0131lg\u0131n \u00e7\u00f6z\u00fcm"},"content":{"rendered":"<p><em><strong>T\u00fcrkiye\u2019de bug\u00fcn ya\u015fanan sorunlar\u0131n en \u00f6nemli tetikleyici fakt\u00f6rlerinden birini vatanda\u015f ve \u015firketler baz\u0131ndaki bor\u00e7lar olu\u015fturuyor. Bunlar\u0131n d\u00f6nd\u00fcr\u00fclemedi\u011fi ile ilgili s\u0131k\u0131nt\u0131 herkesin g\u00f6z\u00fc \u00f6n\u00fcnde ya\u015fan\u0131yor.<\/strong><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3074072953\"><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>28 milyonu a\u015fan icra dosyas\u0131yla vatanda\u015f durumunu net bir \u015fekilde g\u00f6zler \u00f6n\u00fcne sererken, \u015firketlerin bor\u00e7 \u00e7evirme kabiliyetlerini yitirdi\u011fini konkordato haberleriyle g\u00f6r\u00fcyoruz. Ger\u00e7i say\u0131 bini a\u015ft\u0131ktan sonra burada ilgin\u00e7 bir sessizle\u015fme var. Neredeyse medya haberleri g\u00f6rm\u00fcyor. San\u0131r\u0131m bu durum se\u00e7imlere kadar da devam edecek.<\/p>\n<p>\u00d6te yandan yitirmeyenlerin de pozisyon a\u00e7\u0131klar\u0131 nedeniyle kara kara d\u00fc\u015f\u00fcnd\u00fc\u011f\u00fcn\u00fc biliyoruz. Bu yap\u0131, bankalara olan \u00f6demelerin aksamas\u0131 nedeniyle bankac\u0131l\u0131\u011f\u0131 tehdit eder hale geldi. Vatanda\u015f\u0131n b\u0131rak\u0131n ge\u00e7inmeyi, bor\u00e7lar\u0131 kar\u015f\u0131s\u0131nda icral\u0131k olmas\u0131 sorununu do\u011furdu. \u0130\u00e7 talep daha da darald\u0131 ve daralmaya devam edecek. \u00c7\u00f6ken t\u00fcketici g\u00fcveninden ve Merkez Bankas\u0131 Para Politikas\u0131 Kurulu\u2019nun 16 Ocak tarihli toplant\u0131 tutanaklar\u0131ndan bunu anl\u0131yoruz.<\/p>\n<p>\u015eirketler de i\u015ften \u00e7\u0131karmalara ba\u015flad\u0131 bile&#8230; Bir tarafta zorunlu ihtiya\u00e7lar kar\u015f\u0131s\u0131nda ezilen ge\u00e7im seviyesi, \u00f6te tarafta stoktaki mal\u0131 satt\u0131ktan sonra nas\u0131l \u00fcretim yapaca\u011f\u0131n\u0131 bilemeyen \u00f6zel sekt\u00f6r ger\u00e7e\u011fi&#8230;<\/p>\n<p>Ben bu problemin halledilmesi ile ilgili radikal bir \u00e7\u00f6z\u00fcm \u00f6nerisi sunmak istiyorum. \u00d6nce haneden ba\u015flayal\u0131m.<\/p>\n<p>4 ki\u015filik \u00e7ekirdek bir aile d\u00fc\u015f\u00fcn\u00fcn. Kredi kart\u0131ndan ihtiya\u00e7 kredisine kadar finansman kullanabilece\u011fi t\u00fcm alanlar\u0131 bor\u00e7lanarak t\u00fcketmi\u015f. Evin babas\u0131 i\u015fsiz kalm\u0131\u015f ve ayba\u015f\u0131nda b\u0131rak\u0131n banka borcunu bir kenara, kiray\u0131 \u00f6deyip, ekmek alacak nakit problemi dahi ba\u015f g\u00f6stermi\u015f.<\/p>\n<p>Hemen aile meclisini topluyoruz. Evin k\u00fc\u00e7\u00fck \u00e7ocu\u011fu yetkili k\u0131l\u0131n\u0131yor. Sonra mahallede esnaf\u0131 dola\u015f\u0131p, durumun zannedildi\u011fi kadar k\u00f6t\u00fc olmad\u0131\u011f\u0131 ve veresiye al\u0131\u015fveri\u015f i\u00e7in hi\u00e7bir riskin bulunmad\u0131\u011f\u0131n\u0131 esnafa anlat\u0131yor. B\u00f6ylece al\u0131\u015fveri\u015f ve ge\u00e7im sorunu \u00e7\u00f6z\u00fcl\u00fcyor.<\/p>\n<p>Bankalar kar\u015f\u0131s\u0131nda da evin han\u0131m\u0131 yetkili k\u0131l\u0131n\u0131yor. \u0130craya gelen memurlara kar\u015f\u0131 e\u015fine kefil oldu\u011funu ve bor\u00e7 \u00f6demesiyle ilgili bir s\u0131k\u0131nt\u0131 ya\u015fanmad\u0131\u011f\u0131 gibi, bu g\u00f6r\u00fcn\u00fcm\u00fcn yeni kredi i\u00e7in yeterli bir foto\u011fraf verdi\u011fini anlat\u0131yor. Tabii bankac\u0131lar hemen ikna oluyor ve yine kredi musluklar\u0131 a\u00e7\u0131l\u0131yor.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2213867099\"><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>Ayn\u0131 sistemi \u015firketlerimiz i\u00e7in de uyguluyoruz. Y\u00f6netim kurulundan bir yetkili belirleniyor ve mal ald\u0131klar\u0131 tedarik\u00e7ilerden bankalara kadar herkese gidip \u2018vallahi durum iyi, s\u0131k\u0131nt\u0131 yaratmay\u0131n\u2019 diyerek yemin kredisi temin ederken, mevcut bor\u00e7lar\u0131n da \u00f6telenmesini sa\u011fl\u0131yor.<\/p>\n<p>Nas\u0131l \u00e7\u00f6z\u00fcm ama? \u015eimdi baz\u0131 okurlar\u0131m\u0131z\u0131n benim ruh ve ak\u0131l sa\u011fl\u0131\u011f\u0131mla ilgili endi\u015felere kap\u0131ld\u0131\u011f\u0131n\u0131 hissediyorum. Bu \u00e7\u00f6z\u00fcm modelinin deli sa\u00e7mas\u0131 oldu\u011funu ve insan\u0131n kendi kendine iyi demesinin, alacakl\u0131 nezdinde bir anlam\u0131 olmad\u0131\u011f\u0131n\u0131 s\u00f6ylediklerini duyar gibiyim.<\/p>\n<p>Asl\u0131nda \u00e7ok da haks\u0131z oldu\u011funuzu s\u00f6yleyemeyece\u011fim. Ama beni biraz idare edin, vatanda\u015flarla \u015firketler de bu s\u00fcre de elde avu\u00e7takini satarak durumu kurtars\u0131nlar. Hele \u015fu se\u00e7im d\u00f6nemini bir atlatal\u0131m; her \u015fey yoluna girecek.<\/p>\n<p>Buna ra\u011fmen \u00e7\u00f6z\u00fcm \u00f6nerimin sa\u00e7mal\u0131ktan ibaret oldu\u011funu d\u00fc\u015f\u00fcn\u00fcyorsan\u0131z; sizden ricam bir de iktidar\u0131n mevcut ekonomik tablo kar\u015f\u0131s\u0131nda kurma karar\u0131 ald\u0131\u011f\u0131 ve Bakan Albayrak taraf\u0131ndan a\u00e7\u0131klanan milli reyting kurulu\u015funu bu pencereden de\u011ferlendirin.<\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2911334183\"><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>\u00c7\u00fcnk\u00fc gerek vatanda\u015f, gerekse de \u015firketler nezdinde sundu\u011fum \u00f6neri, sadece milli reyting kurulu\u015funun ge\u00e7erlili\u011fi kadar ak\u0131lc\u0131. Ya \u00e7\u00f6z\u00fcm \u00f6nerimi kabul edin ya da yetkililere g\u00f6rd\u00fc\u011f\u00fcn\u00fcz yerde milli reyting kurulu\u015fu diye ortaya \u00e7\u0131kman\u0131n sorunlara \u00e7are olmayaca\u011f\u0131n\u0131, sadece bir bo\u015f laf oldu\u011funu anlat\u0131n. Zira durum bire bir ayn\u0131.<\/p>\n<p><u><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/u><\/p>\n","protected":false},"excerpt":{"rendered":"<p>T\u00fcrkiye\u2019de bug\u00fcn ya\u015fanan sorunlar\u0131n en \u00f6nemli tetikleyici fakt\u00f6rlerinden birini vatanda\u015f ve \u015firketler baz\u0131ndaki bor\u00e7lar olu\u015fturuyor. Bunlar\u0131n d\u00f6nd\u00fcr\u00fclemedi\u011fi ile ilgili s\u0131k\u0131nt\u0131 herkesin g\u00f6z\u00fc \u00f6n\u00fcnde ya\u015fan\u0131yor. 28&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-56817","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\/56817","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=56817"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/56817\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=56817"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=56817"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=56817"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}