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Son toplant\u0131s\u0131nda faiz oranlar\u0131n\u0131 sabit tutan Merkez Bankas\u0131
\n\u00fczerine \u2018d\u00fc\u015f\u00fcr\u2019 bask\u0131l\u0131 yeni bir oynanmaya ba\u015fland\u0131. \u00d6ncelikle bor\u00e7lanma
\nmaliyetinin bu kadar y\u00fcksek, tasarrufun bu kadar k\u0131t oldu\u011fu bir ortamda olas\u0131
\nbir faiz d\u00fc\u015f\u00fc\u015f\u00fc nas\u0131l yap\u0131lacak?<\/p>\n
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Yapar m\u0131s\u0131n\u0131z; yapars\u0131n\u0131z… Ama sonu\u00e7lar\u0131 ne olur \u00f6nemli
\nolan o. Elbette bilhassa reel piyasalar a\u00e7\u0131s\u0131ndan meseleye bakt\u0131\u011f\u0131n\u0131zda y\u00fcksek
\nfaiz istenen bir durum de\u011fil. Fakat soru \u015fu olmal\u0131:<\/p>\n
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Faiz oranlar\u0131n\u0131 d\u00fc\u015f\u00fcrseniz bile, piyasada kredi kullanacak
\nfirma var m\u0131? Hadi kulland\u0131 diyelim, bunu nerede de\u011ferlendirecek? Bir \u00fcretim
\nmodeli i\u00e7erisinde yap\u0131lacak faiz gev\u015femesinin anlam\u0131 var da, piyasalar\u0131n
\ndarald\u0131\u011f\u0131, \u00fcretimde s\u0131k\u0131nt\u0131lar\u0131n b\u00fcy\u00fcd\u00fc\u011f\u00fc ve \u00f6demeler zincirinin k\u0131r\u0131ld\u0131\u011f\u0131 bir
\ns\u00fcre\u00e7te, al\u0131nabilecek bir kredi de yat\u0131r\u0131ma de\u011fil bor\u00e7 \u00f6demeye gider.<\/p>\n
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Diyebilirsiniz ki bu da bir anlamda piyasaya para giri\u015fi
\nanlam\u0131na gelir. Bu noktada da t\u00fcketim yapabilecek t\u00fcketici olup olmad\u0131\u011f\u0131na
\nbakmak laz\u0131m. Son kur\u015fununu y\u00fcksek ihtimalle Ramazan ay\u0131nda ve bayramda
\nharcayan t\u00fcketicinin zorunlu giderlerini kar\u015f\u0131lamak d\u0131\u015f\u0131nda bir se\u00e7ene\u011fi yok.<\/p>\n
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Bu nedenle kredi kart\u0131 limiti yettik\u00e7e yine g\u0131daya harcama
\nyapmaya \u00e7al\u0131\u015facakt\u0131r. Lakin arka arkaya gelen taksit olanaklar\u0131na ra\u011fmen ba\u015fka
\nkalemlere bir yans\u0131ma olmas\u0131 g\u00fc\u00e7 g\u00f6z\u00fck\u00fcyor. Yani \u015fi\u015fen stoklar\u0131 erimesi g\u00fc\u00e7
\ng\u00f6z\u00fck\u00fcyor.<\/p>\n
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Bu stoklar erimeden de, gelir hanesinde ger\u00e7ek\u00e7i ve g\u00fcvenli bir y\u00fckseli\u015f olmadan da t\u00fcketicinin genel bir harcama yapmas\u0131 m\u00fcmk\u00fcn de\u011fil. Peki Merkez Bankas\u0131\u2019na \u2018faiz d\u00fc\u015f\u00fcrebilir\u2019 bask\u0131s\u0131n\u0131 kim, neden yap\u0131yor?<\/p>\n
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Bence sualin yan\u0131t\u0131n\u0131 bulmak i\u00e7in dolar\u0131 kimin toplad\u0131\u011f\u0131na
\nbakmam\u0131z laz\u0131m. Zira d\u00fcnya ekonomisinin daralma riski kar\u015f\u0131s\u0131nda i\u015fi durduran
\nFED ve AMB ger\u00e7e\u011fini g\u00f6rmezden gelip, her \u015feyin d\u00fczeldi\u011fi izlenimini yaratarak,
\nbunun da Merkez Bankas\u0131\u2019n\u0131n faiz d\u00fc\u015f\u00fc\u015f\u00fc i\u00e7in elini g\u00fc\u00e7lendirdi\u011fi s\u00f6ylemek
\nger\u00e7ek\u00e7i bir sav de\u011fil.<\/p>\n
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Bu ko\u015fullar alt\u0131nda, yani \u00fclke risk primleri bu kadar
\ny\u00fcksekken, dolar baz\u0131nda y\u00fcksek maliyetlerle bor\u00e7lanma ger\u00e7e\u011fi ortada dururken,
\nt\u00fcketicinin al\u0131m g\u00fcc\u00fc kalmad\u0131\u011f\u0131n\u0131 bile bile, faiz d\u00fc\u015f\u00fcn bask\u0131s\u0131n\u0131n tek ak\u0131l
\nvereni finans \u00e7evreleri olabilir.<\/p>\n
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Bunun da \u00f6nce dolar\u0131, ard\u0131ndan enflasyonu, hemen akabinde de
\ndo\u011fal olarak faizleri patlataca\u011f\u0131n\u0131 g\u00f6rmek i\u00e7in iktisat ulemas\u0131 olmaya gerek
\nyok. <\/p>\n
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T\u00fcrkiye ger\u00e7ek\u00e7i bir bi\u00e7imde sorunlar\u0131n\u0131 masaya yat\u0131rmaz,
\n\u00e7\u00f6z\u00fcm metotlar\u0131 geli\u015ftirmez ve b\u00f6yle \u00fc\u00e7\u00fcn be\u015fin pe\u015finde, gazla \u00e7al\u0131\u015fan \u00fclke
\nkonumunu s\u00fcrd\u00fcr\u00fcrse, kendi ger\u00e7ekleriyle nas\u0131l y\u00fczle\u015fti\u011fine, bize nas\u0131l bir
\nfatura \u00e7\u0131kt\u0131\u011f\u0131na ve birilerinin yine buradan para dev\u015firdi\u011fine \u015fahit olur, ortaya
\n\u00e7\u0131kan foto\u011fraf\u0131n h\u0131z\u0131na da yeti\u015femeyiz.<\/p>\n
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Akl\u0131n\u0131zdakini de\u011fil, ekonominin gerektirdi\u011fini konu\u015fun ve
\nhatta m\u00fcmk\u00fcnse susun. Art\u0131k beklentiler \u00fczerinden \u00fclkeyi kumarhaneye
\n\u00e7evirdi\u011finiz yetmedi mi?<\/p>\n
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cetinunsalan@yahoo.co<\/p>\n
– \/wp:paragraph –><\/p>\n","protected":false},"excerpt":{"rendered":"
– wp:paragraph –> Son toplant\u0131s\u0131nda faiz oranlar\u0131n\u0131 sabit tutan Merkez Bankas\u0131 \u00fczerine \u2018d\u00fc\u015f\u00fcr\u2019 bask\u0131l\u0131 yeni bir oynanmaya ba\u015fland\u0131. \u00d6ncelikle bor\u00e7lanma maliyetinin bu kadar y\u00fcksek, tasarrufun…<\/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-57919","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\/57919","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=57919"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/57919\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=57919"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=57919"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=57919"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}