{"id":66640,"date":"2022-12-25T02:51:07","date_gmt":"2022-12-25T02:51:07","guid":{"rendered":"https:\/\/haberulus.net\/?p=66640"},"modified":"2022-12-25T02:51:07","modified_gmt":"2022-12-25T02:51:07","slug":"kobilerin-borcu-2-trilyona-dayandi","status":"publish","type":"post","link":"https:\/\/haberulus.net\/?p=66640","title":{"rendered":"KOB\u0130\u2019lerin borcu 2 trilyona dayand\u0131"},"content":{"rendered":"<p><strong>Ekonomide <\/strong>y\u0131l\u0131n ikinci yar\u0131s\u0131ndan bu yana makro ihtiyati tedbirlerin \u00f6ne \u00e7\u0131kt\u0131\u011f\u0131, kamu eliyle piyasan\u0131n bask\u0131land\u0131\u011f\u0131 bir s\u00fcre\u00e7 ya\u015fan\u0131yor. Karar al\u0131c\u0131lar\u0131n, bankac\u0131l\u0131k sekt\u00f6r\u00fcne y\u00f6nelik art arda devreye ald\u0131\u011f\u0131 reg\u00fclasyonlar kar\u015f\u0131s\u0131nda piyasan\u0131n buldu\u011fu ara yollar\u0131n \u00f6n\u00fc ise yine yeni reg\u00fclasyonlarla kesiliyor. D\u00f6viz talebinin \u00f6n\u00fcne ge\u00e7mek i\u00e7in finansmana eri\u015fimin ko\u015fullar\u0131n\u0131 k\u0131skaca alan ekonomi y\u00f6netimi, reel sekt\u00f6rle adeta kovalamacaya d\u00f6nen bir piyasa yaratt\u0131. Son olarak, Merkez Bankas\u0131 (TCMB) ge\u00e7en hafta kredilere y\u00f6nelik reg\u00fclasyonlara bir yenisini ekleyerek, KOB\u0130 i\u015ftirakleri \u00fczerinden kullan\u0131lan kredileri menkul k\u0131ymet tesisi kapsam\u0131na ekledi. Baz\u0131 firmalar pratikte kredileri i\u015ftirakleri arac\u0131l\u0131\u011f\u0131 ile sa\u011flamaya ba\u015flam\u0131\u015ft\u0131. Merkez Bankas\u0131, bu kararla \u2018i\u015ftirakler \u00fczerinden kredi&#8217; yolunu da kapatm\u0131\u015f oldu. Nitekim y\u0131l\u0131n son haftalar\u0131nda hem bireysel hem de TL ticari kedilerde bir ivmelenme g\u00f6zlenirken, KOB\u0130 kredilerindeki art\u0131\u015f da dikkat \u00e7ekiyor.<\/p>\n<p><strong>SON D\u00d6NEMDE HIZLANDI<\/strong><\/p>\n<p>Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK) BDDK taraf\u0131ndan yay\u0131mlanan haftal\u0131k b\u00fcltene g\u00f6re 16 Aral\u0131k itibar\u0131yla TL cinsi KOB\u0130 kredileri 1 trilyon 682 milyar liraya y\u00fckseldi. Yabanc\u0131 para cinsi kredilerle birlikte KOB\u0130&#8217;lerin toplam kredi hacmi ise 1 trilyon 962 milyar liraya ula\u015ft\u0131. Kredilerde b\u00fcy\u00fcmenin yak\u0131n d\u00f6nemli e\u011filimini g\u00f6steren 13 haftal\u0131k ortalamalara g\u00f6re s\u00f6z konusu hafta TL ticari kredilerde b\u00fcy\u00fcme h\u0131z\u0131 y\u00fczde 86.9 olarak hesaplan\u0131rken, TL KOB\u0130 kredilerinde ise y\u00fczde 137 oldu. KOB\u0130&#8217;ler d\u0131\u015f\u0131nda b\u00fcy\u00fcklerin kulland\u0131klar\u0131 TL ticari kredilerde ise y\u00fczde 51.4 b\u00fcy\u00fcme h\u0131z\u0131 g\u00f6zlendi. Yabanc\u0131 para kredilerindeki azal\u0131\u015f da h\u0131z kesti ve y\u00fczde 1.9&#8217;a d\u00fc\u015ft\u00fc.<\/p>\n<p><b>Bireylerin banka borcu 1.4 trilyon liraya \u00e7\u0131kt\u0131<\/b><\/p>\n<p><strong>BDDK <\/strong>verilerine g\u00f6re 13 haftal\u0131k, y\u0131ll\u0131kland\u0131r\u0131lm\u0131\u015f ve kur etkisinden ar\u0131nd\u0131r\u0131lm\u0131\u015f TL kredi b\u00fcy\u00fcme h\u0131z\u0131 16 Aral\u0131k itibar\u0131yla y\u00fczde 81.3 oldu. TL bireysel kredilerde ise b\u00fcy\u00fcme h\u0131z\u0131 y\u00fczde 68.6&#8217;ya y\u00fckseldi. B\u00f6ylece bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn toplam kredi hacmi 7 trilyon 415 milyar liraya ula\u015ft\u0131. Sene ba\u015f\u0131nda 4.9 trilyon lira seviyesindeydi. Sene ba\u015f\u0131nda 2 trilyon 833 milyar TL olan toplam TL kredi hacmi 16 Aral\u0131k itibar\u0131yla 4 trilyon 429 milyar liraya ula\u015ft\u0131. Toplam bireysel krediler ve kredi kartlar\u0131 borcu ise sene ba\u015f\u0131ndan bu yana 982 milyar liradan 1 trilyon 456 milyar liraya \u00e7\u0131kt\u0131.<\/p>\n<p>\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Finansmana eri\u015fimde yollar\u0131 t\u0131kanan baz\u0131 firmalar \u00e7areyi i\u015ftirakleri arac\u0131l\u0131\u011f\u0131 ile kredi kullanmakta buldu. KOB\u0130 bor\u00e7lar\u0131 2 trilyon liraya dayand\u0131.<\/p>\n","protected":false},"author":1,"featured_media":66641,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[936,2133,972,5368,5370],"class_list":["post-66640","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-banka","tag-hiz","tag-kredi","tag-kredileri","tag-trilyon"],"_links":{"self":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/66640","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=66640"}],"version-history":[{"count":1,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/66640\/revisions"}],"predecessor-version":[{"id":66642,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/66640\/revisions\/66642"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/media\/66641"}],"wp:attachment":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=66640"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=66640"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=66640"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}