{"id":28261,"date":"2022-08-21T02:36:06","date_gmt":"2022-08-21T02:36:06","guid":{"rendered":"https:\/\/haberulus.net\/?p=28261"},"modified":"2022-08-21T02:36:06","modified_gmt":"2022-08-21T02:36:06","slug":"gul-bahcesine-toksik-gubre-dokuldu","status":"publish","type":"post","link":"https:\/\/haberulus.net\/?p=28261","title":{"rendered":"G\u00fcl bah\u00e7esine toksik g\u00fcbre d\u00f6k\u00fcld\u00fc"},"content":{"rendered":"

Bankalar\u0131n kredi kulland\u0131rmalar\u0131n\u0131 s\u0131n\u0131rlayan Merkez Bankas\u0131 tebli\u011finin hem sekt\u00f6re hem de piyasalara olumsuz yans\u0131malar\u0131 olaca\u011f\u0131 faizlerin y\u00fckselece\u011fi ifade ediliyor.<\/b><\/p>\n

Ekonomi <\/strong>y\u00f6netiminin gece yar\u0131s\u0131 ald\u0131\u011f\u0131 kararlar serisi bu kez bankac\u0131l\u0131k sekt\u00f6r\u00fcne y\u00f6nelik d\u00fczenleme getirirken, genelge, kredi pazar\u0131nda serbest piyasan\u0131n bitirilmesi \u015feklinde yorumland\u0131. Ge\u00e7en gece Resmi Gazete’de yay\u0131nlanan T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131’n\u0131n (TCMB) Zorunlu Kar\u015f\u0131l\u0131klar Hakk\u0131nda Tebli\u011fi’ni de\u011ferlendiren Ekonomist Atilla Ye\u015filada, \u201cBu genelge ile tamamen maksad\u0131n tersine olarak parasal aktar\u0131m mekanizmas\u0131n\u0131n ebesinin g\u00fcl bah\u00e7esine toksik g\u00fcbre d\u00f6k\u00fcld\u00fc. Bankalar art\u0131k kredi verirken k\u0131l\u0131 k\u0131rk yaracaklar, olur da ek menkul k\u0131ymet tesisi gerekir diye, kredi hacmini azaltacaklar\u201d de\u011ferlendirmesini yapt\u0131.<\/p>\n

Para Analiz’de, \u201cF\u00d6\u015e’ten ilk yorum: TCMB’den gece yar\u0131s\u0131 sald\u0131r\u0131s\u0131\u201d ba\u015fl\u0131kl\u0131 bir yaz\u0131\u00a0 kaleme alan Ye\u015filada, bankalar\u0131n kime, nas\u0131l ve ka\u00e7 faizle kredi verece\u011fine de Merkez Bankas\u0131’n\u0131n karar verece\u011fine dikkat \u00e7ekti. Ye\u015filada, maddeleri tek tek de\u011ferlendirerek \u015fartlar\u0131n a\u011f\u0131r y\u00fck\u00fcml\u00fcl\u00fckler getirdi\u011fine dikkat \u00e7ekti.<\/p>\n

SERBEST P\u0130YASA B\u0130TT\u0130<\/strong><\/p>\n

E\u011fer TCMB’nin \u201ccaiz g\u00f6rd\u00fc\u011f\u00fc\u201d \u015firketlerin kredi riski y\u00fcksekse, bunlara hi\u00e7 kredi verilmeyece\u011fini belirten Ye\u015filada, \u201cTCMB gece yar\u0131s\u0131 web sitesine koydu\u011fu bir genelge ile kredi pazar\u0131nda da serbest piyasa uygulamas\u0131na son verdi. Art\u0131k bankalar\u0131n kime, nas\u0131l ve ka\u00e7 faizle kredi verece\u011fine de TCMB karar verecek. Yeni zorunlu kar\u015f\u0131l\u0131klar genelgesi, Berat Albayrak d\u00f6neminde BDDK eliyle hayata ge\u00e7irilen ve hem bankalar hem de kredi kullanan \u015firketler taraf\u0131ndan nefret konusu olan Varl\u0131k Rasyosu’ndan geri kalm\u0131yor\u201d de\u011ferlendirmesini yapt\u0131.<\/p>\n

\"\"<\/p>\n

Atilla Ye\u015filada<\/p>\n<\/div>\n

Ceza mekanizmas\u0131 devrede<\/b><\/p>\n

D\u00fczenleme ile bankalar\u0131n hangi ama\u00e7larla kredi verilece\u011finin \u00e7er\u00e7evesinin \u00e7izildi\u011fine i\u015faret eden Atilla Ye\u015filada, \u00e7er\u00e7eve d\u0131\u015f\u0131na \u00e7\u0131kanlar i\u00e7in de bir t\u00fcr ceza mekanizmas\u0131n\u0131n devreye al\u0131nd\u0131\u011f\u0131n\u0131 anlatt\u0131. Ye\u015filada, \u201cNas\u0131l bir ceza bu? \u2018\u0130stenmeyen t\u00fcrde’ kredi veren bankalar\u0131n toplam kredi maliyeti mevduat faizinin kat be kat \u00fcst\u00fcne \u00e7\u0131kacak, bunlardan z\u0131rn\u0131k k\u00e2r elde edemeyecekler\u201d dedi. Ye\u015filada, tebli\u011f yay\u0131m\u0131 tarihinden itibaren 2022 y\u0131lsonuna kadar kulland\u0131r\u0131lacak ticari nitelikteki kredilerde menkul k\u0131ymet \u015fartlar\u0131 ile cezan\u0131n a\u011f\u0131rla\u015ft\u0131r\u0131ld\u0131\u011f\u0131na dikkat \u00e7ekti.<\/p>\n

TCMB NE YAPTI?<\/span><\/b><\/p>\n

T\u0130CAR\u0130 KRED\u0130 FA\u0130Z\u0130NE SINIRLAMA\u00a0<\/strong><\/span><\/p>\n

Bankalar, TL ticari kredilerde TCMB’nin y\u00fczde 16.32 olan y\u0131ll\u0131k bile\u015fik referans oran\u0131n\u0131n 1.4 kat\u0131 y\u0131ll\u0131k bile\u015fik faiz ile kulland\u0131r\u0131lacak kredi tutar\u0131n\u0131n y\u00fczde 20’si oran\u0131nda menkul k\u0131ymet tesisi yapacak. Referans oran\u0131n 1.8 kat\u0131 \u00fczerinde y\u0131ll\u0131k bile\u015fik faiz oran\u0131yla kulland\u0131r\u0131lacak krediler i\u00e7in menkul k\u0131ymet tesisi oran\u0131 y\u00fczde 90’a y\u00fckselecek.\u00a0 Bu durum, \u015firketler i\u00e7in faizlerin y\u00fczde 29.38’i a\u015fmas\u0131 zorla\u015ft\u0131racak.<\/p>\n

KRED\u0130 B\u00dcY\u00dcMES\u0130NE SINIR<\/strong><\/span><\/p>\n

30 Aral\u0131k 2022 itibar\u0131yla 29 Temmuz 2022’ye g\u00f6re kredi b\u00fcy\u00fcmesi y\u00fczde 10’u a\u015fan bankalar i\u00e7in kredi tutar\u0131 kadar menkul k\u0131ymetin bir y\u0131l tutulmas\u0131 karar\u0131 al\u0131nd\u0131. Yani kredi b\u00fcy\u00fcmesinin belirli s\u0131n\u0131rlar i\u00e7inde kalmas\u0131 istendi.<\/p>\n

MENKUL KIYMET ZORUNLULU\u011eU<\/strong><\/span><\/p>\n

Y\u00fczde 20’lik zorunlu kar\u015f\u0131l\u0131k yerine y\u00fczde 30 oran\u0131nda menkul k\u0131ymet tesisini zorunlu tuttu. TCMB, b\u00f6ylece krediler i\u00e7in de bankalara menkul k\u0131ymet zorunlulu\u011fu getirmi\u015f oldu.<\/p>\n

D\u00d6V\u0130Z \u00d6NLEM\u0130<\/strong><\/span><\/p>\n

Bu d\u00fczenlemeden hari\u00e7 tutulan kredi t\u00fcrleri ancak harcama kar\u015f\u0131l\u0131\u011f\u0131 kulland\u0131r\u0131labilecek. E\u011fer krediler harcama kar\u015f\u0131l\u0131\u011f\u0131 kulland\u0131r\u0131lmaz ise\u00a0 bu kredilerde menkul k\u0131ymet tesisine tabi tutulacak.<\/p>\n

KOB\u0130 VE ESNAF KRED\u0130LER\u0130<\/strong><\/span><\/p>\n

KOB\u0130 tan\u0131m\u0131na giren i\u015fletmelere kulland\u0131r\u0131lan krediler, esnaf kredileri, ihracat ve yat\u0131r\u0131m kredileri, tar\u0131msal krediler, kamu iktisadi te\u015febb\u00fcsleri krediler, kurumsal kredi kartlar\u0131 menkul k\u0131ymet tesisi zorunlulu\u011fundan muaf tutulmu\u015f oldu.<\/p>\n

\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"

Bankalar\u0131n kredi kulland\u0131rmalar\u0131n\u0131 s\u0131n\u0131rlayan Merkez Bankas\u0131 tebli\u011finin hem sekt\u00f6re hem de piyasalara olumsuz yans\u0131malar\u0131 olaca\u011f\u0131 faizlerin …<\/p>\n","protected":false},"author":1,"featured_media":28262,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[731,972,1422,1352,3220],"class_list":["post-28261","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-faiz","tag-kredi","tag-tcmb","tag-yesilada","tag-zorunlu"],"_links":{"self":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/28261","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=28261"}],"version-history":[{"count":1,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/28261\/revisions"}],"predecessor-version":[{"id":28263,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/28261\/revisions\/28263"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/media\/28262"}],"wp:attachment":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=28261"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=28261"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=28261"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}