{"id":57317,"date":"2019-04-29T08:46:24","date_gmt":"2019-04-29T05:46:24","guid":{"rendered":"https:\/\/www.bilgeyatirimci.com\/?p=57317"},"modified":"2019-04-29T08:46:25","modified_gmt":"2019-04-29T05:46:25","slug":"kredi-yapilandirmasi-genele-yayilmali","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/kredi-yapilandirmasi-genele-yayilmali\/","title":{"rendered":"Kredi yap\u0131land\u0131rmas\u0131 genele yay\u0131lmal\u0131"},"content":{"rendered":"<p>&#8211; wp:paragraph &#8211;><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-1088730485\"><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>Bankalar\u0131n kredi alacaklar\u0131yla ilgili yeni bir kanun<br \/>\nhaz\u0131rland\u0131. Bu taslak kanuna g\u00f6re 50 milyon TL ve \u00fczerindeki alacaklar\u0131n<br \/>\nyeniden yap\u0131land\u0131r\u0131lmas\u0131 \u00f6ng\u00f6r\u00fcl\u00fcyor. Bence ge\u00e7 kal\u0131nsa da son derece yerinde<br \/>\nbir atak.<\/p>\n<p>&#8211; \/wp:paragraph &#8211;><\/p>\n<p>&#8211; wp:paragraph &#8211;><\/p>\n<p>\u00c7\u00fcnk\u00fc bug\u00fcn Bakan Albayrak\u2019\u0131n dedi\u011fi gibi konkordatolar<br \/>\nazald\u0131 ama yine kendisinin alg\u0131lad\u0131\u011f\u0131 \u00fczere bu her \u015fey yoluna girdi\u011fi i\u00e7in<br \/>\nde\u011fil. Kimse konkordatoya gidemedi\u011fi i\u00e7in. Hat\u0131rlayacaks\u0131n\u0131z iflas ertelemeleri<br \/>\nyasaklad\u0131\u011f\u0131n\u0131z i\u00e7in, konkordato patlam\u0131\u015ft\u0131.<\/p>\n<p>&#8211; \/wp:paragraph &#8211;><\/p>\n<p>&#8211; wp:paragraph &#8211;><\/p>\n<p>Buradaki yasak\u00e7\u0131 yakla\u015f\u0131m da, inan\u0131n ba\u015fka bir yerden ba\u015f<br \/>\nverecektir. Konkordatoyu yasak\u00e7\u0131 bir zihniyetle engellemek yerine, nedenlerine<br \/>\nbakmak, bir havuza almak ve \u00f6nce reel sekt\u00f6re olan bor\u00e7lar\u0131ndan \u00f6deyerek<br \/>\npiyasay\u0131 rahatlatmak, firmay\u0131 da m\u00fcmk\u00fcnse kurtarmak gerekirdi.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3048195526\"><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>&#8211; \/wp:paragraph &#8211;><\/p>\n<p>&#8211; wp:paragraph &#8211;><\/p>\n<p>Bu haliyle sadece daha fazla gizli iflas yaratt\u0131k. Velhas\u0131l<br \/>\nkelam neticede sorun ortadan kalkmad\u0131. Bu nedenle bankalar\u0131n alacaklar\u0131n\u0131n<br \/>\nyeniden yap\u0131land\u0131r\u0131lmas\u0131 \u00f6nemli. Bu hem bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn \u015f\u00fcpheli alacak<br \/>\noran\u0131n\u0131 olumlu etkileyecek, hem de i\u015fsizli\u011fin bir numaral\u0131 g\u00fcndem maddesi<br \/>\noldu\u011fundan yola \u00e7\u0131karsak, burada yeni i\u015fsizlerin ortaya \u00e7\u0131kmas\u0131n\u0131<br \/>\nfrenleyecektir.<\/p>\n<p>&#8211; \/wp:paragraph &#8211;><\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3223639156\"><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>&#8211; wp:paragraph &#8211;><\/p>\n<p>Fakat bu yap\u0131lanma sadece firma kredileriyle s\u0131n\u0131rl\u0131<br \/>\ntutulmamal\u0131. Kredi geni\u015flemesinin ya\u015fand\u0131\u011f\u0131 y\u0131llar\u0131 hat\u0131rlay\u0131n. Bir\u00e7ok banka<br \/>\ntek bir firmaya kredi verip risk \u00fcstlenmek yerine, kredi kart\u0131 ve t\u00fcketici<br \/>\nkredileriyle meseleyi genele yayd\u0131. <\/p>\n<p>&#8211; \/wp:paragraph &#8211;><\/p>\n<p>&#8211; wp:paragraph &#8211;><\/p>\n<p>Yani 10 TL krediyi bir firmaya verece\u011fine, 10 tane 1 TL<br \/>\nkredi verecek insan yaratt\u0131. Bunlar\u0131n i\u00e7indeki batak oran\u0131 da ayn\u0131 zamanda<br \/>\nsunulan kredinin risk primi gibi g\u00f6r\u00fcld\u00fc. Ayr\u0131ca ba\u015fta kredi kartlar\u0131 olmak<br \/>\n\u00fczere faiz karlar\u0131 o kadar y\u00fcksekti ki, g\u00fcn\u00fcn sonunda o prim de bata\u011fa ra\u011fmen<br \/>\ncebinde kald\u0131.<\/p>\n<p>&#8211; \/wp:paragraph &#8211;><\/p>\n<p>&#8211; wp:paragraph &#8211;><\/p>\n<p>Zaten reel sekt\u00f6r\u00fcn de kredi almak i\u00e7in yurtd\u0131\u015f\u0131nda para<br \/>\npe\u015fine d\u00fc\u015fmesinin ba\u015fkaca bir nedeni yoktu. O halde: Kredi geni\u015flemesini tabana<br \/>\ndo\u011fru yapt\u0131ysan\u0131z, yap\u0131land\u0131rmay\u0131 da sadece tavanla s\u0131n\u0131rl\u0131 tutamazs\u0131n\u0131z.<\/p>\n<p>&#8211; \/wp:paragraph &#8211;><\/p>\n<p>&#8211; wp:paragraph &#8211;><\/p>\n<p>\u0130cra dosyas\u0131n\u0131n 28 milyonu a\u015ft\u0131\u011f\u0131, i\u015fsizli\u011fin \u00e7\u0131\u011f gibi<br \/>\nb\u00fcy\u00fcd\u00fc\u011f\u00fc bir ortamda vatanda\u015f\u0131n, yani t\u00fcketicinin de kredilerini yap\u0131land\u0131rmak,<br \/>\nsesi \u00e7ok \u00e7\u0131kmayan ama daha geni\u015f kitleleri etkileyen sokaktaki insan\u0131 da<br \/>\ng\u00f6rmezden gelmemek zorundas\u0131n\u0131z.<\/p>\n<p>&#8211; \/wp:paragraph &#8211;><\/p>\n<p>&#8211; wp:paragraph &#8211;><\/p>\n<p>Aksi takdirde otomobilden konuta, kredi kart\u0131ndan ihtiya\u00e7<br \/>\nkredilerine kadar \u00f6yle bir tokatla kar\u015f\u0131la\u015f\u0131rs\u0131n\u0131z ki, ne oldu\u011funu<br \/>\nanlayamazs\u0131n\u0131z. Zira firmalar\u0131n sesinin \u00e7\u0131kabiliyor olmas\u0131, sokaktaki insan\u0131n<br \/>\nsorun ya\u015famad\u0131\u011f\u0131 anlam\u0131na gelmiyor.<\/p>\n<p>&#8211; \/wp:paragraph &#8211;><\/p>\n<p>&#8211; wp:paragraph &#8211;><\/p>\n<p>Ekonomiyi rahatlatmak istiyorsan\u0131z, firmalar\u0131n bor\u00e7lar\u0131nda,<br \/>\nbankalar\u0131n alacaklar\u0131nda yap\u0131land\u0131rmaya gitmek do\u011fru bir ad\u0131m. Ama yineliyorum bu<br \/>\nyap\u0131land\u0131rma mutlaka genele yay\u0131lmal\u0131.<\/p>\n<p>&#8211; \/wp:paragraph &#8211;><\/p>\n<p>&#8211; wp:paragraph &#8211;><\/p>\n<p>Aftan de\u011fil, ger\u00e7ekten \u00f6deme kolayl\u0131\u011f\u0131 sunan yap\u0131land\u0131rmadan<br \/>\nbahsediyorum. Yoksa g\u00fcn\u00fcn sonunda bu bor\u00e7lar\u0131n tamam\u0131 kamula\u015facak. Olmaz<br \/>\ndemeyin; bence olur. \u00c7\u00fcnk\u00fc bug\u00fcne kadar kredi diye da\u011f\u0131t\u0131lan paran\u0131n kayna\u011f\u0131<br \/>\nmevduatlar de\u011fil, sendikasyon kredileri.<\/p>\n<p>&#8211; \/wp:paragraph &#8211;><\/p>\n<p>&#8211; wp:paragraph &#8211;><\/p>\n<p>cetinunsalan@yahoo.com<\/p>\n<p>&#8211; \/wp:paragraph &#8211;><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&#8211; wp:paragraph &#8211;> Bankalar\u0131n kredi alacaklar\u0131yla ilgili yeni bir kanun haz\u0131rland\u0131. Bu taslak kanuna g\u00f6re 50 milyon TL ve \u00fczerindeki alacaklar\u0131n yeniden yap\u0131land\u0131r\u0131lmas\u0131 \u00f6ng\u00f6r\u00fcl\u00fcyor. Bence&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-57317","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\/57317","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=57317"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/57317\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=57317"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=57317"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=57317"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}