{"id":6963,"date":"2011-10-25T13:29:24","date_gmt":"2011-10-25T10:29:24","guid":{"rendered":"http:\/\/www.bilgeyatirimci.com\/?p=6963"},"modified":"2011-10-25T13:29:32","modified_gmt":"2011-10-25T10:29:32","slug":"bankalarin-sermaye-gereksinimi","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/bankalarin-sermaye-gereksinimi\/","title":{"rendered":"Bankalar\u0131n Sermaye Gereksinimi"},"content":{"rendered":"<p>AVRUPA&#8217;daki bankalar g\u00fc\u00e7 durumda.<br \/>\nBir taraftan Yunanistan&#8217;\u0131n silinecek bor\u00e7lar\u0131, \u00f6te yandan Basel III d\u00fczenlemeleri \u00e7er\u00e7evesinde minimum sermaye yeterlili\u011fi oran\u0131n\u0131n bask\u0131s\u0131, di\u011fer taraftan da Avrupa&#8217;n\u0131n sorunlu \u00fclkelerine a\u00e7\u0131lan kredilerden &#8220;t\u0131ra\u015f&#8221; edilecek miktarlar\u0131n b\u00fcy\u00fckl\u00fc\u011f\u00fc, finans kurulu\u015flar\u0131n\u0131n k\u00e2busu olmu\u015f durumda.<br \/>\nAvrupal\u0131 yetkililerce 90&#8217;\u0131 a\u015fk\u0131n bankada yap\u0131lan birinci stres testi bo\u015f \u00e7\u0131kt\u0131. Sadece 7 bankan\u0131n sermayelerinin yetersiz oldu\u011fu saptan\u0131nca bu sonuca kimse inanmad\u0131. G\u00fcld\u00fc, ge\u00e7ti.<br \/>\nBunun \u00fczerine ikinci kez yap\u0131lan stres testi ise kamuoyuna a\u00e7\u0131klanmad\u0131. B\u00fcy\u00fck bir olas\u0131l\u0131kla, de\u011fi\u015fen ko\u015fullar\u0131n ve varsay\u0131mlar\u0131n \u00e7e\u015fitlili\u011finin, sonu\u00e7lar\u0131n farkl\u0131 bir bi\u00e7imde yorumlanmas\u0131na neden olaca\u011f\u0131ndan \u00e7ekinildi.<\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-1823511941\"><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><strong>STRES TEST\u0130 SONU\u00c7LARI<\/strong><br \/>\nKamuoyuna a\u00e7\u0131klanmasa bile baz\u0131 kurulu\u015flar bu bilgilere ula\u015ft\u0131.<br \/>\nNitekim, ikinci stres testini esas alarak Thomson Reuters&#8217;in haz\u0131rlad\u0131\u011f\u0131 sim\u00fclasyon bize Avrupa bankalar\u0131n\u0131n sermaye gereksiniminin 75 milyar Euro ile 350 milyar Euro aras\u0131nda de\u011fi\u015febilece\u011fini g\u00f6steriyor.<br \/>\nBu sim\u00fclasyondan baz\u0131 \u00f6rnekler \u015f\u00f6yle:<\/p>\n<p>\u25a0 Yunanistan&#8217;\u0131n borcunun y\u00fczde 50&#8217;sinin silinece\u011fi ve sermaye yeterlili\u011fi rasyosunun y\u00fczde 7 olarak kabul edilece\u011fi \u015feklinde en iyimser varsay\u0131mda 74.6 milyar Euro&#8217;luk sermaye art\u0131r\u0131m\u0131na gereksinim var.<br \/>\n\u25a0 Sermaye yeterlilik rasyosu y\u00fczde 9&#8217;a y\u00fckseltildi\u011finde bu gereksinim 231.9 milyar Euro&#8217;ya \u00e7\u0131k\u0131yor.<br \/>\n\u25a0 Tabloya \u0130rlanda ve Portekiz&#8217;in de Yunanistan ile ayn\u0131 oranda bor\u00e7lar\u0131n\u0131n silinece\u011fini eklerseniz rakam 251.3 milyar Euro oluyor.<br \/>\n\u25a0 \u0130spanya ve \u0130talya&#8217;n\u0131n y\u00fczde 20 oran\u0131nda bor\u00e7lar\u0131n\u0131 \u00f6deyememesi durumunu dikkate ald\u0131\u011f\u0131m\u0131zda 350 milyar Euro&#8217;luk bir sermaye art\u0131r\u0131m\u0131 g\u00fcndeme geliyor.<br \/>\n\u25a0 Rakam\u0131 en fazla etkileyen sermaye yeterlili\u011fi rasyosunun b\u00fcy\u00fckl\u00fc\u011f\u00fc. Y\u00fczde 9 oran\u0131, Avrupal\u0131 yetkililerin anla\u015ft\u0131\u011f\u0131 oran olmas\u0131 nedeniyle bu oran\u0131 varsay\u0131m de\u011fil ger\u00e7ek veri olarak almak laz\u0131m.<br \/>\n\u25a0 Miktar olarak Alman, Frans\u0131z, \u0130talyan ve \u0130spanyol bankalar\u0131 sermaye a\u00e7\u0131\u011f\u0131 en y\u00fcksek olanlar. Ortalama her \u00fclkenin 50 milyar Euro civar\u0131nda bir paray\u0131 bankalar\u0131n\u0131 sa\u011flamla\u015ft\u0131rmak i\u00e7in bulmalar\u0131 gerekli.<br \/>\n\u25a0 Milli gelire oran olarak ise K\u0131br\u0131s Rum Kesimi, Yunanistan, Portekiz ve \u0130spanya en y\u00fcksek faturay\u0131 \u00f6deyecek \u00fclkeler olarak g\u00f6r\u00fcl\u00fcyor.<\/p>\n<p><strong>KR\u0130Z YA\u015eAYANLAR SA\u011eLAM KALIYOR<\/strong><br \/>\n\u0130lgin\u00e7 bir nokta, daha \u00f6nce bankac\u0131l\u0131k krizi ya\u015fam\u0131\u015f ve bunu atlatm\u0131\u015f \u0130skandinav \u00fclkeleri ile Macaristan ve Polonya bankalar\u0131nda ek sermaye gereksinimi sim\u00fclasyonda &#8220;s\u0131f\u0131r&#8221; olarak \u00e7\u0131k\u0131yor.<br \/>\nAvrupa&#8217;n\u0131n bankalar\u0131n\u0131n \u015fu anda durumu bu.<br \/>\nAsl\u0131nda Yunanistan&#8217;\u0131n bor\u00e7 silinme oran\u0131n\u0131n, Avrupa \u0130stikrar Fonu&#8217;nun b\u00fcy\u00fckl\u00fc\u011f\u00fcn\u00fcn ve Avrupa bankalar\u0131n\u0131n y\u00fczde 9 oran\u0131ndaki sermaye yeterlili\u011fi rasyosunu tutturma bask\u0131s\u0131n\u0131n birbiriyle etkile\u015fen noktalar oldu\u011fu kesin. Birisiyle oynasan\u0131z di\u011ferlerinin durumu de\u011fi\u015fiyor.<br \/>\nBuna bir de krizin faturas\u0131n\u0131 ba\u015fkalar\u0131na \u00f6detmek amac\u0131yla hareket eden politikac\u0131lar kar\u0131\u015f\u0131nca i\u015f i\u00e7inden \u00e7\u0131k\u0131lmaz hale d\u00f6n\u00fc\u015f\u00fcyor.<br \/>\nUmar\u0131m yar\u0131nki Merkel-Sarkozy zirvesinde bir \u00e7\u00f6z\u00fcm bulunur.<br \/>\n<strong>Ac\u0131 bir not:<\/strong>\u00a0\u00c7ok k\u00f6t\u00fc bir hafta ya\u015fad\u0131k. \u015eehitlerimize ek olarak Van&#8217;daki y\u0131k\u0131c\u0131 deprem hepimizin moralini yok etti. Tek dile\u011fimiz \u00f6lenlerin say\u0131s\u0131n\u0131n fazla artmamas\u0131.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>AVRUPA&#8217;daki bankalar g\u00fc\u00e7 durumda. Bir taraftan Yunanistan&#8217;\u0131n silinecek bor\u00e7lar\u0131, \u00f6te yandan Basel III d\u00fczenlemeleri \u00e7er\u00e7evesinde minimum sermaye yeterlili\u011fi oran\u0131n\u0131n bask\u0131s\u0131, di\u011fer taraftan da Avrupa&#8217;n\u0131n sorunlu&hellip;<\/p>\n","protected":false},"author":418,"featured_media":5395,"comment_status":"open","ping_status":"open","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":[],"class_list":["post-6963","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tumyazilar"],"_links":{"self":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/6963","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\/418"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/comments?post=6963"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/6963\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media\/5395"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=6963"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=6963"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=6963"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}