<\/p>\n
Say\u0131n Ali Babacan, vatanda\u015f\u0131n kredi kart\u0131 borcu \u00e7\u0131\u011f gibi b\u00fcy\u00fcy\u00fcp, geri \u00f6deme sorunlar\u0131 art\u0131nca, \u00e7areyi kredi kart\u0131na \u00e7eki d\u00fczen vermekte bulmu\u015ftu.\u00a0 Kredi kartlar\u0131nda geri \u00f6deme zorlu\u011fu ya\u015fanmas\u0131n diye asgari \u00f6deme s\u0131n\u0131r\u0131n\u0131 % 25\u2019ten % 40\u2019a y\u00fckseltmi\u015f, taksit say\u0131s\u0131n\u0131 9\u2019a indirmi\u015fti. B\u00f6ylece t\u00fcketim dizginlenecek ve vatanda\u015f daha az bor\u00e7lanacakt\u0131.<\/p>\n
Asl\u0131nda do\u011fru bir d\u00fczenleme yap\u0131lm\u0131\u015ft\u0131. T\u00fcrkiye gibi gelecekten harcamaya al\u0131\u015fm\u0131\u015f bir \u00fclkede, kredili al\u0131\u015f veri\u015f kolayl\u0131\u011f\u0131n\u0131n t\u00fcketim \u00e7\u0131lg\u0131nl\u0131\u011f\u0131na d\u00f6n\u00fc\u015fmesi ka\u00e7\u0131n\u0131lmaz g\u00f6r\u00fclebilir. \u00d6deme g\u00fcn\u00fc gelip \u00e7att\u0131\u011f\u0131nda ise katlanan bor\u00e7lar y\u00fcz\u00fcnden kredi kart\u0131 ma\u011fdurlar\u0131 olu\u015fuyor. Herhalde Kredi kart\u0131 ma\u011fduru laf\u0131n\u0131 tek kullanan \u00fclke biziz. \u00c7ek ma\u011fduru, kredi kart\u0131 ma\u011fduru\u2026 \u00a0Aya\u011f\u0131m\u0131z\u0131 yorgana g\u00f6re uzatam\u0131yoruz vesselam. Bir bak\u0131ma yorgan ma\u011fduru\u2026 Yorgan k\u0131sa ayak ne yaps\u0131n?<\/p>\n
\u0130\u015fte yap\u0131lan bu d\u00fczenlemeyle enflasyonun dizginlenmesinin yan\u0131 s\u0131ra kredi kart\u0131 ma\u011fdurlar\u0131n\u0131n olu\u015fmas\u0131n\u0131n da \u00f6n\u00fcne ge\u00e7ilmi\u015fti.<\/p>\n
Ancak bu \u00f6nlemlere esnaflar da Bankalar da s\u0131cak bakmam\u0131\u015ft\u0131. Ne var ki, bizim bankac\u0131l\u0131k sekt\u00f6r\u00fc her yeni duruma s\u00fcratle uyum sa\u011flayarak kazanc\u0131n\u0131 korumay\u0131 ba\u015far\u0131r. Yine \u00f6yle oldu\u2026<\/p>\n
Ekonomi y\u00f6netimi kredi kart\u0131 taksit say\u0131s\u0131n\u0131 s\u0131n\u0131rland\u0131ra dursun, Bankalar bu \u00f6nlemleri bo\u015fa \u00e7\u0131karacak yeni ara\u00e7lar\u0131 \u00e7oktan geli\u015ftirmi\u015fti. Hatta ekonomi y\u00f6netimi fark\u0131nda olmadan Bankalar\u0131n ekme\u011fine ya\u011f s\u00fcrm\u00fc\u015f oldu.<\/p>\n
G\u00fcn\u00fcm\u00fczde taksit kolayl\u0131\u011f\u0131 Bankalar taraf\u0131ndan sa\u011flan\u0131yor. T\u00fcketiciler kredi kartlar\u0131yla tek \u00e7ekim yapt\u0131klar\u0131nda ma\u011fazalar yerine Bankalar taksitlendirme se\u00e7ene\u011fi sunuyor. Cep telefonunuza bir mesaj geliyor, al\u0131\u015fveri\u015finizde alamad\u0131\u011f\u0131n\u0131z taksit imk\u00e2n\u0131n\u0131 Banka sunuyor. Tek fark ayl\u0131k % 2 faizle\u2026<\/p>\n
Bankalar\u0131n faizli taksitlendirme se\u00e7ene\u011fi bu \u00f6rnekle s\u0131n\u0131rl\u0131 kalm\u0131yor. Diyelim kredi ekstrenizin asgarisini yat\u0131rd\u0131n\u0131z. Bankan\u0131z size geri kalan borcunuzu yine ayl\u0131k % 2 faizle taksitlendirme se\u00e7ene\u011fi sunuyor.<\/p>\n
Oysa kredi kart\u0131n\u0131n as\u0131l amac\u0131 t\u00fcketiciye faizsiz taksitlendirme kolayl\u0131\u011f\u0131 sa\u011flamakt\u0131r. Bankalar bu i\u015ften sadece komisyon kazanmal\u0131d\u0131r. T\u00fcketiciyi bu yolla kredi m\u00fc\u015fterisi haline getirmeleri son derece yanl\u0131\u015ft\u0131r. Ayr\u0131ca kredi kartlar\u0131na uygulanan faiz de \u00e7ok y\u00fcksektir.<\/p>\n
Asl\u0131nda bu duruma m\u00fcdahale etmesi gereken BDDK, t\u00fcm ba\u011f\u0131ms\u0131z kurullar gibi ikilem ya\u015f\u0131yor. Bir taraftan Bankalara sahip \u00e7\u0131kmak zorunda\u2026 Zira zarar eden Banka, ekonominin genelini tehdit edebilir. \u00d6te yandan t\u00fcketicileri korumak zorunda. \u015eimdi bu durumda Bankalara yapt\u0131r\u0131m uygulasa, sekt\u00f6r gelir kayb\u0131na u\u011frayacak. Sessiz kalsa, y\u00fcksek faizle kredilendirilen t\u00fcketici ma\u011fdur oluyor. \u00a0\u0130\u015fte bu y\u00fczden Kredi kartlar\u0131 ve benzeri konularda siyasi iradenin devreye girmesi gerekiyor.<\/p>\n
<\/p>\n","protected":false},"excerpt":{"rendered":"
Say\u0131n Ali Babacan, vatanda\u015f\u0131n kredi kart\u0131 borcu \u00e7\u0131\u011f gibi b\u00fcy\u00fcy\u00fcp, geri \u00f6deme sorunlar\u0131 art\u0131nca, \u00e7areyi kredi kart\u0131na \u00e7eki d\u00fczen vermekte bulmu\u015ftu.\u00a0 Kredi kartlar\u0131nda geri \u00f6deme zorlu\u011fu ya\u015fanmas\u0131n diye asgari \u00f6deme s\u0131n\u0131r\u0131n\u0131 % 25\u2019ten % 40\u2019a y\u00fckseltmi\u015f, taksit say\u0131s\u0131n\u0131 9\u2019a indirmi\u015fti. B\u00f6ylece t\u00fcketim dizginlenecek ve vatanda\u015f daha az bor\u00e7lanacakt\u0131. Asl\u0131nda do\u011fru bir d\u00fczenleme yap\u0131lm\u0131\u015ft\u0131. T\u00fcrkiye … Okumaya devam et Yorgan k\u0131sa ayak ne yaps\u0131n?<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[15,16],"class_list":["post-166","post","type-post","status-publish","format-standard","hentry","category-yazilar","tag-kredi-karti","tag-yuksek-faiz"],"_links":{"self":[{"href":"https:\/\/www.hasanfehmikinay.net\/index.php\/wp-json\/wp\/v2\/posts\/166"}],"collection":[{"href":"https:\/\/www.hasanfehmikinay.net\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.hasanfehmikinay.net\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.hasanfehmikinay.net\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hasanfehmikinay.net\/index.php\/wp-json\/wp\/v2\/comments?post=166"}],"version-history":[{"count":1,"href":"https:\/\/www.hasanfehmikinay.net\/index.php\/wp-json\/wp\/v2\/posts\/166\/revisions"}],"predecessor-version":[{"id":167,"href":"https:\/\/www.hasanfehmikinay.net\/index.php\/wp-json\/wp\/v2\/posts\/166\/revisions\/167"}],"wp:attachment":[{"href":"https:\/\/www.hasanfehmikinay.net\/index.php\/wp-json\/wp\/v2\/media?parent=166"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hasanfehmikinay.net\/index.php\/wp-json\/wp\/v2\/categories?post=166"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hasanfehmikinay.net\/index.php\/wp-json\/wp\/v2\/tags?post=166"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}