Perakende sekt\u00f6r\u00fcndeki geli\u015fmeleri de\u011ferlendiren Zincir Ma\u011fazalar Derne\u011fi Ba\u015fkan\u0131 Serhan T\u0131nastepe, baz\u0131 bankalarda tedarik\u00e7i finansman sistemi ile sunulan kredilerin durduruldu\u011funu, bu durumun telafisi zor s\u0131k\u0131nt\u0131lar ya\u015fatmaya ba\u015flad\u0131\u011f\u0131n\u0131 s\u00f6yledi.<\/b><\/p>\n
Zincir Ma\u011fazalar Derne\u011fi (ZMD) Ba\u015fkan\u0131 Serhan T\u0131nastepe, Merkez Bankas\u0131’n\u0131n son d\u00fczenlemeleri sonras\u0131 bir\u00e7ok bankada tedarik\u00e7i finansman\u0131 kredilerinin durdu\u011funu veya y\u00fcksek hizmet bedeli uygulamas\u0131 ba\u015flad\u0131\u011f\u0131n\u0131 belirterek, bu durumun acilen d\u00fczelmemesi halinde \u00f6zellikle KOB\u0130’ler aya\u011f\u0131nda ciddi bir nakit s\u0131k\u0131nt\u0131s\u0131 ba\u015flayaca\u011f\u0131n\u0131 s\u00f6yledi.<\/p>\n
Perakende sekt\u00f6r\u00fcnde enflasyon kaynakl\u0131 cirosal b\u00fcy\u00fcmeye kar\u015f\u0131n adet baz\u0131nda h\u00e2l\u00e2 pandemi \u00f6ncesi seviyelerin yakalanamad\u0131\u011f\u0131n\u0131 belirten T\u0131nastepe, ma\u011fazalar\u0131n art\u0131\u015f h\u0131z\u0131nda da yava\u015flamaya dikkat \u00e7ekti.<\/p>\n
T\u0131nastepe bu kapsamda, tedarik\u00e7i finansman sistemindeki t\u0131kan\u0131kl\u0131\u011f\u0131n \u00e7\u00f6z\u00fclmesinin yan\u0131 s\u0131ra, ma\u011faza yat\u0131r\u0131mlar\u0131na KDV istisnas\u0131, kiralardaki KDV ve stopaj oranlar\u0131n\u0131n d\u00fc\u015f\u00fcr\u00fclmesi, yabanc\u0131 markalara d\u00f6viz bazl\u0131 kiralaman\u0131n kald\u0131r\u0131lmas\u0131 ile kozmetikteki kredi kart\u0131 taksit yasa\u011f\u0131n\u0131n kald\u0131r\u0131lmas\u0131 gibi talepleri dile getirdi.<\/p>\n
TELAF\u0130S\u0130 ZOR SIKINTILAR YA\u015eANIYOR<\/b><\/p>\n
Perakende Teknolojileri Konferans\u0131’n\u0131n tan\u0131t\u0131m toplant\u0131s\u0131nda sekt\u00f6rdeki geli\u015fmeleri de\u011ferlendiren T\u0131nastepe, \u201cMerkez Bankas\u0131’s\u0131n\u0131n d\u00fczenlemesi sonras\u0131 baz\u0131 bankalar taraf\u0131ndan yap\u0131lan uygulamalarda, tedarik\u00e7i finansman sistemi vas\u0131tas\u0131yla sunulan tedarik\u00e7i kredilerinin durduruldu\u011funu veya g\u00f6sterilen faize ilave olarak y\u00fcksek hizmet bedeli uygulamas\u0131 ba\u015flat\u0131ld\u0131\u011f\u0131n\u0131 g\u00f6r\u00fcyoruz. Bu durum toplam maliyetleri politika faizlerinin \u00e7ok \u00fcst\u00fcne getiriyor. Bu durum tedarik\u00e7ilerimiz ve bizler a\u00e7\u0131s\u0131ndan telafisi zor s\u0131k\u0131nt\u0131lar ya\u015fatmaya ba\u015fl\u0131yor\u201d dedi.<\/p>\n
T\u0131nastepe, s\u00f6zlerine \u015f\u00f6yle devam etti: \u201cBu noktada yeniden 90’l\u0131 y\u0131llardaki \u00e7ek senetle ticarete d\u00f6nmemek ad\u0131na bu uygulamadan bir an \u00f6nce vazge\u00e7ilmesi veya tedarik\u00e7i finansman sisteminin bu uygulamalar\u0131n d\u0131\u015f\u0131na tutulmas\u0131 gerek. Aksi durumda \u00fclke genelinde KOB\u0130’ler taraf\u0131nda ciddi bir nakit ve maliyet art\u0131\u015f\u0131 sorunu ya\u015fanmaya ba\u015flayacak\u201d<\/p>\n
TCMB ZORUNLU KAR\u015eILIK VE TAHV\u0130L TUTMA ZORUNLULU\u011eU GET\u0130RM\u0130\u015eT\u0130<\/b><\/p>\n
Merkez Bankas\u0131 ge\u00e7en y\u0131l Eyl\u00fcl’de ba\u015flayan faiz indirimi s\u00fcreci ile birlikte selektif kredi yakla\u015f\u0131m\u0131 kapsam\u0131nda, verilen krediler i\u00e7in zorunlu kar\u015f\u0131l\u0131k ay\u0131rma ve tahvil tutma zorunluluklar\u0131 ba\u015fta olmak \u00fczere bankalara y\u00f6nelik bir dizi d\u00fczenlemeyi hayata ge\u00e7irmi\u015fti.<\/p>\n
TCMB’nin s\u00f6z konusu ad\u0131mlar\u0131 aras\u0131nda ticari kredilerde y\u00fczde 20 zorunlu kar\u015f\u0131l\u0131klar\u0131 tutma uygulamas\u0131 yerine y\u00fczde 30 oran\u0131nda menkul k\u0131ymet tesisi getirilmesi; baz\u0131 kurumsal krediler i\u00e7in y\u00fczde 10 \u00fczeri b\u00fcy\u00fcmede ve belirli faiz oran\u0131 \u00fczerindeki baz\u0131 kurumsal krediler i\u00e7in yine ek tahvil y\u00fck\u00fck\u00fcml\u00fcl\u00fckleri getirilmesi bulunuyor.<\/p>\n
Reuters’ta ge\u00e7en ay yay\u0131mlanan bir haberde, tahvil alma y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcne girmek istemeyen bankalar\u0131n baz\u0131 kredileri kapatma yoluna da gitti\u011fi, bir\u00e7ok \u015firketin de yeni ad\u0131mlarla bu kredilere eri\u015fimin \u201cher ge\u00e7en g\u00fcn daha da zor\u201d hale gelmesinden yak\u0131nd\u0131\u011f\u0131 belirtilmi\u015fti.<\/p>\n
KOB\u0130’LER\u0130N SORUNLARINDAN B\u0130R\u0130 F\u0130NANSMANA ER\u0130\u015e\u0130M<\/b><\/p>\n
T\u0131nastepe, \u201cMerkez Bankas\u0131’n\u0131n ald\u0131\u011f\u0131 kararlarla birlikte bankalar bu sistemi \u00e7ok fazla ilerletmeme y\u00f6n\u00fcde tav\u0131r almaya ba\u015flad\u0131lar. \u00c7\u00fcnk\u00fc zorunlu kar\u015f\u0131l\u0131k reg\u00fclasyonu ile birlikte art\u0131k onlar i\u00e7in anlams\u0131z hale gelmeye ba\u015flad\u0131. Kimi bankalar da bunu bir \u015fekilde ilerletiyor ama bu sefer de \u2018maliyetleri y\u00fckseltelim’ demeye ba\u015flad\u0131\u201d dedi.<\/p>\n
\u201cUmar\u0131z ki bu hatadan d\u00f6n\u00fcl\u00fcr\u201d ifadelerini de kullanan T\u0131nastepe \u015f\u00f6yle devam etti, \u201c\u00c7\u00fcnk\u00fc T\u00fcrkiye\u2019de KOB\u0130\u2019lerin en b\u00fcy\u00fck sorunlar\u0131ndan biri hem sermaye derinliklerinin az olmas\u0131 hem de finansmana eri\u015fim problemleri olmas\u0131. Tedarik\u00e7i finansman\u0131 sistemi KOB\u0130’lerin bu iki konuda da sorunlar\u0131n gideren bir sistemdi\u201d<\/p>\n
\u2018SATI\u015eLAR ADET DE\u011e\u0130L F\u0130YAT BAZLI ARTIYOR’<\/b><\/p>\n
Perakende sekt\u00f6r\u00fc olarak 2022’yi cirosal anlamda k\u00f6t\u00fc ge\u00e7irmediklerini belirten T\u0131nastepe, \u201cSat\u0131\u015flar\u0131m\u0131z\u0131n gidi\u015fat\u0131 iyi olmakla beraber burada as\u0131l kayna\u011f\u0131n adet bazl\u0131 de\u011fil fiyat bazl\u0131 oldu\u011funu belirtmemiz gerek. Sat\u0131\u015f adetlerinde hala pandemi \u00f6ncesini yakalayabilmi\u015f de\u011filiz. Bu durum bizi verimlilik \u00e7\u00f6z\u00fcmleri aramaya y\u00f6neltiyor. Dolay\u0131s\u0131yla ma\u011fazala\u015fma h\u0131z\u0131nda bir d\u00fc\u015f\u00fc\u015f g\u00f6zlemlemekteyiz\u201d dedi.<\/p>\n
T\u0131nastepe, \u201cAl\u0131m g\u00fcc\u00fc d\u00fc\u015fmesine ra\u011fmen sat\u0131\u015flarda g\u00f6zledi\u011fimiz hareketlili\u011fi fiyatlarda art\u0131\u015f beklentisinin \u00e7ok y\u00fcksek olmas\u0131na ba\u011fl\u0131yoruz. T\u00fcketici, al\u0131mlar\u0131n\u0131 \u00f6ne \u00e7ekerek art\u0131\u015ftan etkilenmemeye \u00e7al\u0131\u015f\u0131yor. Bu da di\u011fer taraftan beklenti enflasyonunu tetikliyor\u201d diye konu\u015ftu.<\/p>\n
\u2018KDV \u0130ST\u0130SNASI TALEP ED\u0130YORUZ’<\/b><\/p>\n
Turist yo\u011funlu\u011funun da \u015fu anda perakende sekt\u00f6r\u00fcndeki cirolar\u0131 destekleyen \u00f6nemli unsurlardan oldu\u011funu belirten T\u0131nastepe, se\u00e7im y\u0131l\u0131 olmas\u0131 nedeniyle 2023’\u00fcn i\u00e7 talep a\u00e7\u0131s\u0131ndan da canl\u0131 olmas\u0131n\u0131 beklediklerini s\u00f6yledi. \u015eu anda perakende sekt\u00f6r\u00fcn\u00fcn en \u00f6nemli sorunlar\u0131ndan birinin enerji ba\u015fta olmak \u00fczere maliyetler oldu\u011funu belirten T\u0131nastepe, \u201cMa\u011faza yat\u0131r\u0131mlar\u0131na turizmde ve sanayide oldu\u011fu gibi KDV istisnas\u0131, kiralarda KDV ve stopaj oranlar\u0131n\u0131n d\u00fc\u015f\u00fcr\u00fclmesini talep ediyoruz\u201d dedi.<\/p>\n
G\u0131da d\u0131\u015f\u0131 organize perakende markalar\u0131n\u0131 b\u00fcnyesinde bulunduran Zincir Ma\u011fazalar Derne\u011fi 2021 rakamlar\u0131na g\u00f6re toplam 500 milyar lira ciro ve 55 bin sat\u0131\u015f noktas\u0131n\u0131 temsil ediyor. (REUTERS)<\/p>\n","protected":false},"excerpt":{"rendered":"
Perakende sekt\u00f6r\u00fcndeki geli\u015fmeleri de\u011ferlendiren Zincir Ma\u011fazalar Derne\u011fi Ba\u015fkan\u0131 Serhan T\u0131nastepe, baz\u0131 bankalarda tedarik\u00e7i finansman sistemi …<\/p>\n","protected":false},"author":1,"featured_media":41279,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[1522,972,5890,1191,2554],"class_list":["post-41278","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-bankalar","tag-kredi","tag-magaza","tag-sistemi","tag-zor"],"_links":{"self":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/41278","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=41278"}],"version-history":[{"count":1,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/41278\/revisions"}],"predecessor-version":[{"id":41280,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/41278\/revisions\/41280"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/media\/41279"}],"wp:attachment":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=41278"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=41278"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=41278"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}