ABD Ba\u015fkanl\u0131k yar\u0131\u015f\u0131nda Trump hakk\u0131nda \u00f6ylesine olumsuz haberler yap\u0131ld\u0131 ki, onun d\u00fcnyaya \u00e7arpacak bir meteor oldu\u011funu d\u00fc\u015f\u00fcnd\u00fck. Asl\u0131nda aynen g\u00f6kta\u015f\u0131 gibi geldi. G\u00f6stere g\u00f6stere geldi ve kimse bir \u015fey yapamad\u0131. Kendi \u00fclkesindeki medya organlar\u0131n\u0131n bile y\u00fczde 99\u2019unun kar\u015f\u0131 \u00e7\u0131kt\u0131\u011f\u0131 Trump\u2019a, taciz etti\u011fi t\u00fcm \u00e7evrelerden oy ya\u011fd\u0131.
\nTrump\u2019\u0131n se\u00e7ilme olas\u0131l\u0131\u011f\u0131n\u0131 d\u00fc\u015f\u00fck g\u00f6sterenler, bug\u00fcnlerde \u201cABD se\u00e7meninin beklentilerini anlayamam\u0131\u015f\u0131z \u201c\u015feklinde \u00f6zele\u015ftiri yap\u0131yor. Asl\u0131nda herkes yol yak\u0131nken Trump\u2019\u0131n se\u00e7im kampanyas\u0131 boyunca tepki ald\u0131\u011f\u0131 s\u00f6ylemlerden vazge\u00e7mesini bekliyor. Ne var ki, tepki toplad\u0131\u011f\u0131 se\u00e7im vaatlerini internet sitesinden teker teker silse de kendisini ele\u015ftiren \u00e7evreleri devletten tasfiye edece\u011fi kesin.
\nTrump\u2019\u0131n se\u00e7ilmesiyle \u201cta\u00e7 giyen ba\u015f ak\u0131llan\u0131r\u201d atas\u00f6z\u00fc yerini bulur mu, bilmiyoruz. Ancak, hayat\u0131 boyunca risk y\u00f6netmi\u015f bir i\u015f adam\u0131n\u0131n ABD\u2019yi de kar\u015f\u0131la\u015ft\u0131\u011f\u0131 risklerden korumas\u0131, bu u\u011furda radikal tedbirlere ba\u015fvurmas\u0131 s\u00fcrpriz olmayacakt\u0131r. Bunun sonucunda; ekonomik sars\u0131nt\u0131lar\u0131n \u015fiddeti artabilir. G\u00fcmr\u00fck vergileriyle \u00c7in\u2019i ABD pazar\u0131ndan uzak tutmas\u0131 durumunda, d\u00fcnyadaki b\u00fcy\u00fcme oranlar\u0131 d\u00fc\u015fmeye devam edecektir. Vergi oranlar\u0131n\u0131 d\u00fc\u015f\u00fcr\u00fcrken, kamu harcamalar\u0131n\u0131 art\u0131rmak muhtemelen ABD b\u00fct\u00e7e a\u00e7\u0131klar\u0131n\u0131 b\u00fcy\u00fctecektir.
\nD\u0131\u015f Politika\u2019 da radikal de\u011fi\u015fikliklere gidip gitmeyece\u011fi hen\u00fcz netlik kazanmad\u0131 ama s\u00f6ylemlerinde b\u00fcy\u00fck \u00e7eli\u015fkiler oldu\u011fu g\u00f6r\u00fcl\u00fcyor. \u00d6rne\u011fin, Rusya\u2019yla Ortado\u011fu\u2019da daha fazla i\u015f birli\u011fine giderken Ukrayna\u2019ya silah yard\u0131m\u0131n\u0131 nas\u0131l yapaca\u011f\u0131n\u0131 bilmiyoruz.
\nT\u00fcrkiye \u00f6ncelikle iki konuda i\u015f birli\u011fi yapmak istiyor. Birincisi, ABD\u2019nin Irak ve Suriye\u2019deki b\u00f6l\u00fcc\u00fc ter\u00f6r \u00f6rg\u00fctlerine yard\u0131m\u0131 kesmesi, bu konuda m\u00fcttefiki T\u00fcrkiye\u2019yle birlikte hareket etmesi. \u0130kincisi, FET\u00d6 eleba\u015f\u0131n\u0131n T\u00fcrkiye\u2019ye iade edilmesi. K\u0131sa vadeli beklentilerimiz bunlar. San\u0131r\u0131m bu konuda Obama y\u00f6netiminin aksine T\u00fcrkiye\u2019yle daha yak\u0131n i\u015f birli\u011fi i\u00e7inde olmay\u0131 tercih edecektir. Fethullah G\u00fclen\u2019in iade ederek ilk ad\u0131m\u0131 bu y\u00f6nde atabilir. T\u00fcrkiye\u2019nin g\u00fcvenini kazanmas\u0131 i\u00e7in bu \u015fartt\u0131r.<\/p>\n
Bankalar faiz oranlar\u0131n\u0131 neden d\u00fc\u015f\u00fcremiyor?
\nAK Parti, \u00fcretici ve t\u00fcketicinin ayn\u0131 gemide oldu\u011funu g\u00f6zeterek hareket etmi\u015ftir. H\u00fck\u00fcmet, \u00fcretici \u00f6rg\u00fctleri kadar t\u00fcketici tepkilerine kulak verdi\u011fi i\u00e7in piyasa \u00fczerinde g\u00f6zetim ve denetim i\u015flevlerini ba\u015far\u0131yla y\u00fcr\u00fctebilmi\u015ftir. Say\u0131n Cumhurba\u015fkan\u0131m\u0131z ba\u015fta olmak \u00fczere Say\u0131n Ba\u015fbakan\u0131m\u0131z\u0131n t\u00fcketici aleyhine olu\u015fan faiz oranlar\u0131 hakk\u0131nda ortaya koyduklar\u0131 tepkilere bu \u00e7er\u00e7evede bakmak gerekir.
\nBug\u00fcne kadar bankac\u0131l\u0131k sekt\u00f6r\u00fcnde b\u00fcy\u00fck reformlar yap\u0131ld\u0131. Bu sayede k\u00fcresel finans krizi gibi b\u00fcy\u00fck \u015foklar atlat\u0131labildi. IMF\u2019ye minnet etmeden kendi g\u00fcc\u00fcm\u00fczle ayakta durmay\u0131 ba\u015fard\u0131ysak, bunu AK Parti\u2019nin ekonomi y\u00f6netimine bor\u00e7luyuz.
\nAncak, bankalar\u0131n d\u00f6rt yap\u0131sal sorunu \u00e7\u00f6z\u00fclmeden faiz oranlar\u0131n\u0131 istenilen \u00f6l\u00e7\u00fcde d\u00fc\u015f\u00fcrmemiz m\u00fcmk\u00fcn de\u011fil. Birincisi, yurti\u00e7i tasarruflar\u0131m\u0131z d\u00fc\u015f\u00fck. Tasarruflar\u0131n d\u00fc\u015f\u00fck oldu\u011fu bir piyasada faiz oranlar\u0131 d\u00fc\u015fmez. E\u011fer \u00fcst\u00fcne \u00fcstl\u00fck T\u00fcrkiye\u2019nin risk primi art\u0131yorsa, d\u0131\u015far\u0131dan ucuz kaynak bulma \u015fans\u0131 da kalmaz.
\n\u0130kincisi, yat\u0131r\u0131m bankac\u0131l\u0131\u011f\u0131n\u0131 geli\u015ftirmeden sanayicinin ihtiyac\u0131 olan kredi ko\u015fullar\u0131n\u0131 sa\u011flayamay\u0131z. T\u00fcrkiye’de yat\u0131r\u0131m bankalar\u0131n\u0131n sekt\u00f6rdeki a\u011f\u0131rl\u0131\u011f\u0131 y\u00fczde 12 seviyesinde. \u0130hracat kredileri, Eximbank\u2019\u0131n olduk\u00e7a s\u0131n\u0131rl\u0131 kaynaklar\u0131yla desteklenebiliyor. Hal b\u00f6yle olunca sanayici yat\u0131r\u0131m yapmakta zorlan\u0131yor, ihracat\u00e7\u0131 y\u00fcksek faizle bor\u00e7lan\u0131yor.
\n\u00dc\u00e7\u00fcnc\u00fcs\u00fc, Bankalar reel sekt\u00f6r\u00fc tan\u0131makta zorluk ya\u015f\u0131yor. Maalesef reel sekt\u00f6r kay\u0131t d\u0131\u015f\u0131 \u00e7al\u0131\u015ft\u0131\u011f\u0131 i\u00e7in ger\u00e7ek durum mali tablolara yans\u0131m\u0131yor. Bu durumda teminat d\u0131\u015f\u0131nda bir se\u00e7enek kalm\u0131yor. Teminat ald\u0131\u011f\u0131n\u0131z fabrika binas\u0131, ha deyince sat\u0131lamad\u0131\u011f\u0131 veya sat\u0131lsa bile kelepir fiyattan al\u0131c\u0131 bulabildi\u011fi i\u00e7in, ger\u00e7ek de\u011ferleri ile kredi de\u011feri aras\u0131ndaki marj a\u00e7\u0131l\u0131yor. Yani 5 milyon TL de\u011ferindeki fabrika binas\u0131 2,5 Milyon TL krediye kar\u015f\u0131l\u0131k buluyor.
\nD\u00f6rd\u00fcnc\u00fcs\u00fc, yat\u0131r\u0131lan mevduat\u0131n vadesiyle, kullan\u0131lan kredinin vadesi aras\u0131nda ciddi uyumsuzluk var. \u00dc\u00e7 ayl\u0131k mevduat toplay\u0131p, be\u015f-on y\u0131ll\u0131k kredi a\u00e7amazs\u0131n\u0131z. Ama T\u00fcrkiye\u2019deki Bankalar bunu yapmak zorunda. Ayr\u0131ca, Munzam kar\u015f\u0131l\u0131k oranlar\u0131n\u0131z\u0131n y\u00fcksek olmas\u0131 kaynak kulland\u0131rman\u0131z\u0131 s\u0131n\u0131rl\u0131yor.
\nBu durumda H\u00fck\u00fcmetle bankalar\u0131 ortak bir dilde bulu\u015fturmak i\u00e7in ne yapmal\u0131?
\n\u00d6ncelikle Merkez Bankas\u0131 ve BDDK para politikas\u0131 ara\u00e7lar\u0131n\u0131n bankalara maliyetini g\u00f6zden ge\u00e7irmeli. Ayr\u0131ca, H\u00fck\u00fcmetin, sekt\u00f6r\u00fcn uluslararas\u0131 piyasalardan uzun vadeli ve d\u00fc\u015f\u00fck faizli bor\u00e7lanmas\u0131 i\u00e7in \u00e7aba g\u00f6stermesi gerekiyor. Bu sekt\u00f6rdeki oyuncular\u0131n arkas\u0131nda devletin oldu\u011fu hissettirilirse daha uygun ko\u015fullarda tahvil ihra\u00e7 edilebilir. Bunun i\u00e7in illa Hazine garantisi gerekmez. Hazine d\u0131\u015f finans \u00e7evrelerinde Bankalar\u0131n yan\u0131nda yer als\u0131n yeter.
\nBankalar\u0131n da H\u00fck\u00fcmet ve i\u015f d\u00fcnyas\u0131ndan gelen ele\u015ftirilere kulak vermesi gerekiyor. Daha fazla finansal \u00e7e\u015fitlilik ve menkul k\u0131ymetle\u015ftirmeye ihtiya\u00e7 var.
\nSon olarak t\u00fcketicilerin davran\u0131\u015flar\u0131yla ilgili durum de\u011ferlendirmesi yapmam\u0131z gerekiyor. \u0130htiya\u00e7lar\u0131m\u0131zla, ihtiraslar\u0131m\u0131z\u0131 birbirine kar\u0131\u015ft\u0131r\u0131yoruz. Ne yaz\u0131k ki, bizi y\u00fcksek faizle bor\u00e7lan\u0131p \u00f6deme g\u00fc\u00e7l\u00fc\u011f\u00fcne g\u00f6t\u00fcren etkenler ihtiya\u00e7lar\u0131m\u0131zdan de\u011fil, ihtiraslar\u0131m\u0131zdan kaynaklan\u0131yor. \u00d6zetle, i\u015fimiz zor de\u011fil. Yeter ki sorunlar\u0131m\u0131z\u0131n \u00e7\u00f6z\u00fcm\u00fc i\u00e7in ortak dil geli\u015ftirmeye \u00e7al\u0131\u015fal\u0131m.<\/p>\n","protected":false},"excerpt":{"rendered":"
ABD Ba\u015fkanl\u0131k yar\u0131\u015f\u0131nda Trump hakk\u0131nda \u00f6ylesine olumsuz haberler yap\u0131ld\u0131 ki, onun d\u00fcnyaya \u00e7arpacak bir meteor oldu\u011funu d\u00fc\u015f\u00fcnd\u00fck. Asl\u0131nda aynen g\u00f6kta\u015f\u0131 gibi geldi. G\u00f6stere g\u00f6stere geldi ve kimse bir \u015fey yapamad\u0131. Kendi \u00fclkesindeki medya organlar\u0131n\u0131n bile y\u00fczde 99\u2019unun kar\u015f\u0131 \u00e7\u0131kt\u0131\u011f\u0131 Trump\u2019a, taciz etti\u011fi t\u00fcm \u00e7evrelerden oy ya\u011fd\u0131. Trump\u2019\u0131n se\u00e7ilme olas\u0131l\u0131\u011f\u0131n\u0131 d\u00fc\u015f\u00fck g\u00f6sterenler, bug\u00fcnlerde \u201cABD se\u00e7meninin beklentilerini … Okumaya devam et Trump, Trump konu\u015ftu se\u00e7imi ald\u0131\u2026<\/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":[25,27,26,28,24],"class_list":["post-217","post","type-post","status-publish","format-standard","hentry","category-yazilar","tag-abd-secimleri","tag-bddk","tag-faiz","tag-hazine","tag-trump"],"_links":{"self":[{"href":"https:\/\/www.hasanfehmikinay.net\/index.php\/wp-json\/wp\/v2\/posts\/217"}],"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=217"}],"version-history":[{"count":1,"href":"https:\/\/www.hasanfehmikinay.net\/index.php\/wp-json\/wp\/v2\/posts\/217\/revisions"}],"predecessor-version":[{"id":218,"href":"https:\/\/www.hasanfehmikinay.net\/index.php\/wp-json\/wp\/v2\/posts\/217\/revisions\/218"}],"wp:attachment":[{"href":"https:\/\/www.hasanfehmikinay.net\/index.php\/wp-json\/wp\/v2\/media?parent=217"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hasanfehmikinay.net\/index.php\/wp-json\/wp\/v2\/categories?post=217"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hasanfehmikinay.net\/index.php\/wp-json\/wp\/v2\/tags?post=217"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}