{"id":9423,"date":"2011-12-28T11:18:15","date_gmt":"2011-12-28T08:18:15","guid":{"rendered":"http:\/\/www.bilgeyatirimci.com\/?p=9423"},"modified":"2011-12-28T11:18:24","modified_gmt":"2011-12-28T08:18:24","slug":"bombaciyi-ne-yapacagiz","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/bombaciyi-ne-yapacagiz\/","title":{"rendered":"Bombac\u0131y\u0131 Ne Yapaca\u011f\u0131z?"},"content":{"rendered":"<p>T\u00fcrkiye\u2019nin ekonomik yap\u0131s\u0131 i\u00e7erisinde en \u00f6nemli fay hatt\u0131n\u0131 olu\u015fturan t\u00fcketici bor\u00e7lar\u0131 tart\u0131\u015f\u0131lmaya devam ediyor. Burada en \u00f6nemli aya\u011f\u0131 kredi kartlar\u0131 olu\u015fturuyor. Bu alan\u0131 \u00f6zel k\u0131lan ise hem faiz oranlar\u0131n\u0131n y\u00fcksekli\u011fi nedeniyle bankalar\u0131n k\u00e2rl\u0131l\u0131k ad\u0131na g\u00f6zdesi olmas\u0131, risk a\u00e7\u0131s\u0131ndan da ise kar\u015f\u0131l\u0131k problemi te\u015fkil etmesi\u2026<\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-1129437916\"><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>Di\u011fer t\u00fcketici kredilerinde verilen paran\u0131n maddi bir kar\u015f\u0131l\u0131\u011f\u0131 var. Nitekim 2001 krizinde ortal\u0131\u011f\u0131n hacizli otomobillerle dolmas\u0131 ve insanlar\u0131n hacizli evlerde ya\u015famak zorunda kalmas\u0131 bunun kan\u0131t\u0131. Fakat kredi kart\u0131nda tek g\u00fcvence insanlar\u0131n geliri\u2026<\/p>\n<p>Fakat k\u00e2rl\u0131l\u0131\u011f\u0131 \u00e7ok y\u00fcksek oldu\u011fu i\u00e7in bankalar bu alandan vazge\u00e7miyorlar. Elbette resme daha b\u00fcy\u00fck noktadan bakt\u0131\u011f\u0131n\u0131zda ger\u00e7ekten riskteler mi, tart\u0131\u015f\u0131l\u0131r. Zira reel sekt\u00f6re kredi vermek yerine, ayn\u0131 miktar\u0131 100 ki\u015fiye b\u00f6ld\u00fc\u011f\u00fcn\u00fczde riskin y\u00fczdesel tan\u0131m\u0131 daha g\u00f6ze al\u0131nabilir bir hal al\u0131yor.<\/p>\n<p>Fakat i\u015f \u015firazesinden \u00e7\u0131k\u0131nca BDDK meseleye e\u011filmeye ba\u015flad\u0131. \u015eimdi tek limit uygulamas\u0131 konu\u015fuluyor. Bununla ilgili yasal bir d\u00fczenleme de yap\u0131laca\u011f\u0131ndan bahsediliyor. \u0130nsanlar\u0131n reytingini \u00f6demeleri belirleyecek, b\u00f6ylece takip edilecek.<\/p>\n<p>\u015eimdi burada durup nefes alal\u0131m.\u00a0 Hali haz\u0131rda yasal mevzuat bireyin toplam kredibilitesini d\u00fczenlemiyor mu? Piyasadan kullanaca\u011f\u0131 toplam kredinin yasal gelirinin iki kat\u0131n\u0131 ge\u00e7memesi gerekti\u011fi belirtilmiyor mu? Bir t\u00fcketicinin ne kadar kredi kulland\u0131\u011f\u0131 Bankalararas\u0131 Kart Merkezi\u2019nden takip edilemiyor mu?<\/p>\n<p>\u015eimdi BDDK \u00e7\u0131km\u0131\u015f, 1000 TL geliri olan insan\u0131n toplamda 20 bin TL kredi kart limiti oldu\u011fundan bahsediyor. BDDK Ba\u015fkan\u0131 Tevfik Bilgin herkesin cebinde bombayla gezdi\u011fine vurgu yap\u0131yor.<\/p>\n<p>Peki adama sormazlar m\u0131? Bug\u00fcne kadar mevcut yasal d\u00fczenlemeler de bu konuda yeterli ve k\u0131s\u0131tlay\u0131c\u0131 iken, bankalar\u0131n g\u00f6z\u00fc d\u00f6nm\u00fc\u015f bir bi\u00e7imde kanunlar\u0131 \u00e7i\u011fnemesine nas\u0131l izin verildi? \u0130nsanlar\u0131n almayan\u0131 d\u00f6v\u00fcyorlar cinsinden kredi kart\u0131 sahibi yap\u0131ld\u0131\u011f\u0131 bu \u00fclkede BDDK bu g\u00fcne kadar neredeydiler?<\/p>\n<p>BDDK Ba\u015fkan\u0131 Bilgin, bireylerin cebindeki patlamaya haz\u0131r bombadan bahsediyor da, kanunlar\u0131 \u00e7i\u011fneyerek o bombay\u0131 koyan\u0131 neden cezaland\u0131rm\u0131yor. Cebine kredi kart\u0131 bombas\u0131n\u0131n gelirini a\u015fan bi\u00e7imde koyuldu\u011fu t\u00fcketiciyi, ekranlara \u00e7\u0131karak \u2018t\u00fcketin\u2019 diye co\u015fturanlar\u0131 neden konu\u015fmuyor?<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-1136253826\"><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>Yine mi b\u00fct\u00fcn su\u00e7 t\u00fcketicide? Tekrar soruyorum: Sendikasyon kredisi kullanabilmek i\u00e7in m\u00fc\u015fteri say\u0131s\u0131n\u0131 art\u0131rmak i\u00e7in kart da\u011f\u0131tanlarda, buradan y\u00fcksek faiz oranlar\u0131 ve kart bedelleriyle vurgun yapanlarda, kanunlar\u0131n g\u00f6z ard\u0131 edilmesine neden olan b\u00fcrokraside ve \u2018t\u00fcketim \u00e7\u0131lg\u0131nl\u0131\u011f\u0131\u2019 \u00f6neren, ekonominin bu yolla kurtulaca\u011f\u0131n\u0131 hayk\u0131ran ekonomi bakanlar\u0131 ve medyada hi\u00e7 mi su\u00e7 yok.<\/p>\n<p>Say\u0131n Bilgin. Bombay\u0131 konu\u015fuyorsunuz da, harcamas\u0131n\u0131n y\u00fczde 65\u2019ini g\u0131da ve giyime yapan t\u00fcketicinin cebine bombay\u0131 i\u015fbirli\u011fi i\u00e7inde koyanlar\u0131 neden dile getirmiyorsunuz? Sizin gibi de\u011ferli bir b\u00fcrokrata yak\u0131\u015f\u0131yor mu? Yine mi aklanacaklar?<\/p>\n<p><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>T\u00fcrkiye\u2019nin ekonomik yap\u0131s\u0131 i\u00e7erisinde en \u00f6nemli fay hatt\u0131n\u0131 olu\u015fturan t\u00fcketici bor\u00e7lar\u0131 tart\u0131\u015f\u0131lmaya devam ediyor. Burada en \u00f6nemli aya\u011f\u0131 kredi kartlar\u0131 olu\u015fturuyor. Bu alan\u0131 \u00f6zel k\u0131lan&hellip;<\/p>\n","protected":false},"author":5,"featured_media":899,"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-9423","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\/9423","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=9423"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/9423\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media\/899"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=9423"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=9423"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=9423"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}