Banka genel m\u00fcd\u00fcrlerinin makro ihtiyati tedbirlere ili\u015fkin ele\u015ftirilerine ekonomi y\u00f6netiminden hen\u00fcz bir a\u00e7\u0131klama gelmezken bankac\u0131lar, “y\u00fckselen \u0131s\u0131n\u0131n” sekt\u00f6re gelecek seneden itibaren hasar vermeye ba\u015flayaca\u011f\u0131n\u0131 ve sekt\u00f6r\u00fcn k\u00fc\u00e7\u00fclme riskini tetikleyece\u011fini s\u00f6yl\u00fcyor.<\/b><\/p>\n
Bankalar 24 y\u0131l\u0131n zirvesindeki enflasyon ortam\u0131nda \u201crekor k\u00e2rlar\u201d a\u00e7\u0131klasa da, ilk olarak ge\u00e7en hafta ekonomi y\u00f6netimi ile yap\u0131lan kapal\u0131 toplant\u0131da d\u00fczenlemelerin bilan\u00e7olar\u0131nda yarataca\u011f\u0131 risklere dikkat \u00e7ektiler. Sekt\u00f6rden kamuoyuna a\u00e7\u0131k ilk isyan ise hafta ba\u015f\u0131nda \u0130\u015f Bankas\u0131\u2019ndan geldi.<\/p>\n
Sekt\u00f6rde \u201c\u0131s\u0131n\u0131n y\u00fckselmesine\u201d neden olan d\u00fczenlemeler ise, cari fazla vermek ve y\u00fczde 85\u2019i a\u015fan enflasyonla m\u00fccadele etmek \u00fczerine kurulu ekonomi modeli kapsam\u0131nda bir y\u0131l\u0131 a\u015fk\u0131n s\u00fcredir ekonomi y\u00f6netimi, BDDK ve TCMB taraf\u0131ndan yap\u0131l\u0131yor.<\/p>\n
MENKUL KIYMET TUTMANIN YARATACA\u011eI HASARA D\u0130KKAT \u00c7EK\u0130LD\u0130<\/b><\/p>\n
D\u00f6viz talebini ve kredileri k\u0131s\u0131tlay\u0131c\u0131 bu tedbirler kapsam\u0131nda bankalara verilen krediler kar\u015f\u0131l\u0131\u011f\u0131 ve TL mevduat oran\u0131 hedefine y\u00f6nelik sabit kuponlu devlet tahvili tutma zorunlulu\u011fu getirildi.<\/p>\n
Ancak bankac\u0131lar, herhangi bir faiz politikas\u0131 de\u011fi\u015fikli\u011fi durumunda, menkul k\u0131ymetlerin faizleri artmaya, fiyatlar\u0131n\u0131n da d\u00fc\u015fmeye ba\u015flamas\u0131n\u0131n, bilan\u00e7oda tutulan menkul k\u0131ymet b\u00fcy\u00fckl\u00fc\u011f\u00fc de dikkate al\u0131nd\u0131\u011f\u0131nda, sekt\u00f6rde yarataca\u011f\u0131 a\u011f\u0131r hasara dikkat \u00e7ektiler.<\/p>\n
\u00dcst d\u00fczey bir bankac\u0131, \u201cUygulanan makro ihtiyati tedbirler bankac\u0131l\u0131k sekt\u00f6r\u00fcnde \u0131s\u0131y\u0131 o kadar y\u00fckseltti ki bankac\u0131l\u0131k sistemini yakmaya ba\u015flad\u0131. Bu politikalar\u0131n se\u00e7imlere kadar devam etmesini bekliyorum \u00e7\u00fcnk\u00fc h\u00fck\u00fcmetin ba\u015fka \u00e7aresi yok. Zira se\u00e7imlerden \u00f6nce 70 milyar dolarl\u0131k bir d\u00f6viz talebi yaratmay\u0131 kimse istemez\u201d dedi.<\/p>\n
KAMU BANKALARI \u2018ABARTILACAK B\u0130R DURUM YOK\u2019 D\u0130YOR<\/b><\/p>\n
\u0130\u015f Bankas\u0131 Genel M\u00fcd\u00fcr\u00fc Aran hafta ba\u015f\u0131nda tahvil tutma zorunlulu\u011fu ile 50 milyar TL\u2019den fazla kayna\u011f\u0131n krediler yerine tahvile gitti\u011fini belirterek, \u201cFaiz oranlar\u0131n\u0131n inmesi ne a\u00e7\u0131dan size yarar? E\u011fer kredinin fiyatlamas\u0131 ucuzlamas\u0131na ra\u011fmen krediye eri\u015fim g\u00fc\u00e7le\u015fiyorsa bunun kimseye bir faydas\u0131 yoktur\u201d dedi ve uygulanan makro ihtiyati tedbirlerin bir an evvel kald\u0131r\u0131lmas\u0131 \u00e7a\u011fr\u0131s\u0131nda bulundu.<\/p>\n
Kamu bankalar\u0131na yak\u0131n kaynaklar ise bankalar\u0131n farkl\u0131 g\u00f6r\u00fc\u015fte olabileceklerini belirterek Aran\u2019\u0131n ele\u015ftirilerine y\u00f6nelik \u201cbu kadar abart\u0131lacak bir durumun olmad\u0131\u011f\u0131n\u0131\u201d ifade ediyor.<\/p>\n
Bir kaynak, \u201cNereden bakt\u0131\u011f\u0131n\u0131za ba\u011fl\u0131. Bu bir enflasyonla m\u00fccadele program\u0131\u2026 \u0130hracata, yat\u0131r\u0131ma y\u00f6nelik kredi kulland\u0131r\u0131m\u0131nda bir s\u0131k\u0131nt\u0131 yok. Ancak piyasada \u00e7ok fazla kredi talebi var; \u201cherkes hesab\u0131ma para ge\u00e7sin ben istedi\u011fim gibi kullanay\u0131m\u201d diyor\u201d dedi ve ekledi: \u201cBiraz bu de\u011fi\u015fime ayak uydurmak zaman alacak. Her yeni d\u00fczenlemede bir al\u0131\u015fma d\u00f6nemi, uyarlanma d\u00f6nemi olur. Rahat olmak laz\u0131m.\u201d<\/p>\n
\u2018GELECEK SENEDEN \u0130T\u0130BAREN SEKT\u00d6R R\u0130SKLERE A\u00c7IK\u2019<\/b><\/p>\n
Ocak-Eyl\u00fcl d\u00f6neminde net k\u00e2rlar\u0131 enflasyona endeksli tahvil getirilerinin de deste\u011fi ile y\u00fczde 400\u2019\u00fcn \u00fczerinde artarak 286 milyar liraya \u00e7\u0131kan bankac\u0131l\u0131k sekt\u00f6r\u00fcnde, gelecek seneden itibaren ise reg\u00fclasyonlar\u0131n do\u011furaca\u011f\u0131 hasar\u0131n kendini g\u00f6stermesi bekleniyor.<\/p>\n
\u00dcst d\u00fczey bir bankac\u0131, gelecek seneden itibaren bankalar\u0131n hasar almaya ba\u015flayabilece\u011fini belirterek, \u201cBankalar kredi vermek ister. Krediyi eri\u015fimi t\u00fcm bu \u00f6nlemlerle k\u0131sarsan cost of risk (maliyet riski) yaratma ihtimali var. Gelecek seneden itibaren sekt\u00f6r risklere a\u00e7\u0131k, vade uyumsuzluklar\u0131n\u0131n artt\u0131\u011f\u0131 bir d\u00f6neme girecek. Bu bankalar\u0131n operasyonel maliyetlerinde azalmaya gidece\u011fi bir s\u00fcrece i\u015faret eder\u201d diye konu\u015ftu.<\/p>\n
Bankac\u0131l\u0131k sekt\u00f6r\u00fcnde kamu bankalar\u0131n\u0131n kredi pazar\u0131ndaki hakimeyeti y\u0131llar i\u00e7inde artarken, toplam kredileri i\u00e7inde kamunun pay\u0131 28 Ekim haftas\u0131 itibar\u0131yla y\u00fczde 46,3\u2019e ula\u015ft\u0131. Yabanc\u0131 bankalar\u0131n pay\u0131 yakla\u015f\u0131k y\u00fczde 25, yerli \u00f6zel bankalar\u0131n pay\u0131 ise y\u00fczde 29 seviyesine geriledi.<\/p>\n
\u2018SEKT\u00d6R\u00dcN KADER\u0130N\u0130 KAMUNUN KADER\u0130NE BA\u011eLADILAR\u2019<\/b><\/p>\n
Bir ba\u015fka bankac\u0131l\u0131k kayna\u011f\u0131 da, bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn kamu riski ile \u00e7ok i\u00e7 i\u00e7e gitti\u011fine dikkat \u00e7ekerek, \u201cYap\u0131lan d\u00fczenlemelerle bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn kaderini kamunun kaderine ba\u011flad\u0131lar. Bu bir bilan\u00e7o riski yarat\u0131yor. \u00d6zel bankalar bunu engellemek i\u00e7in krediyi daha da k\u00fc\u00e7\u00fclt\u00fcp o yar\u0131\u015fa girmemeyi tercih ettiler. O y\u00fczden \u00f6zel bankalar k\u00fc\u00e7\u00fclebilir ve bu k\u00fc\u00e7\u00fclmenin de reel ekonomiye ciddi yans\u0131mas\u0131 olacak; OPEX yap\u0131lar\u0131na, \u015fube a\u011flar\u0131na etkisi olacak\u201d diye konu\u015ftu.<\/p>\n
Yabanc\u0131 bankalar\u0131n da belirli bir s\u00fcre T\u00fcrkiye operasyonlar\u0131n\u0131 b\u00fcy\u00fctmeyebilece\u011fini kaydeden ayn\u0131 kaynak, o s\u00fcre\u00e7te de durum de\u011ferlendirmesi yapmalar\u0131n\u0131n muhtemel oldu\u011funu ifade etti.<\/p>\n
\u2018BANKALAR ZARAR ETMEYE \u0130T\u0130LD\u0130\u2019<\/b><\/p>\n
Bankac\u0131lar ayr\u0131ca gelecek d\u00f6nemlerde beklenen k\u00fc\u00e7\u00fclme ve k\u00e2rs\u0131zl\u0131k probleminin T\u00fcrk bankac\u0131l\u0131k sekt\u00f6r\u00fcnde uluslararas\u0131 bankalarla ili\u015fkileri de etkileyebilece\u011fini belirterek, bunun sendikasyonlara ve a\u00e7\u0131lacak akreditif hesaplara kadar yans\u0131yabilece\u011fini belirtiyor.<\/p>\n
Bankalar\u0131n zarar etmeye itildi\u011fini belirten ekonomist Arda Tunca da d\u00fczenlemelerle bankalar\u0131n yakla\u015f\u0131k y\u00fczde 20-22 oran\u0131nda mevduat toplad\u0131\u011f\u0131n\u0131, y\u00fczde 17,07 ile kredi verdi\u011fini ve kabaca y\u00fczde 10 oran\u0131nda tahvil almaya zorland\u0131\u011f\u0131n\u0131 belirterek, \u201cSistemik riskin bir y\u00f6n\u00fc bankalar\u0131n finansal sa\u011fl\u0131\u011f\u0131 ile ilgili. Di\u011fer endi\u015fe de, piyasadaki k\u00f6t\u00fcle\u015fen nakit ak\u0131\u015f\u0131 ko\u015fullar\u0131yla ilgili\u201d diye konu\u015ftu. (REUTERS)<\/p>\n","protected":false},"excerpt":{"rendered":"
Banka genel m\u00fcd\u00fcrlerinin makro ihtiyati tedbirlere ili\u015fkin ele\u015ftirilerine ekonomi y\u00f6netiminden hen\u00fcz bir a\u00e7\u0131klama gelmezken bankac\u0131lar, “y\u00fckselen …<\/p>\n","protected":false},"author":1,"featured_media":52409,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[936,634,972,161,3714],"class_list":["post-52408","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-banka","tag-kamu","tag-kredi","tag-risk","tag-sektorun"],"_links":{"self":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/52408","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=52408"}],"version-history":[{"count":1,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/52408\/revisions"}],"predecessor-version":[{"id":52410,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/52408\/revisions\/52410"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/media\/52409"}],"wp:attachment":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=52408"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=52408"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=52408"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}