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hikmetbaydar@3-goz.com<\/span><\/strong><\/p> \u00a0<\/span><\/p> Son zamanlarda ABD\u2019de banka batma haberleri duymaya ba\u015flad\u0131k. Silicon Valley Bank (SVB), Signature Bank ve Silvergate Bank\u2019\u0131n iflas\u0131, bankalardan mevduat ka\u00e7\u0131\u015f\u0131n\u0131n ger\u00e7ekle\u015fmesi nedeniyle d\u00fczenli olarak artan faizlere ra\u011fmen SVB\u2019nin uzun vadeli tahvil varl\u0131klar\u0131nda yazd\u0131\u011f\u0131 zararlar\u0131, satarak realize etmesine yol a\u00e7mas\u0131, bankac\u0131l\u0131k sekt\u00f6r\u00fcndeki sorunun bir s\u00fcre daha devam edece\u011fi ihtimalini de art\u0131r\u0131yor.\u00a0<\/span><\/p> \u00a0<\/span><\/p> S&P ve Fitch Ratings\u2019in ABD\u2019li First Republic Bank\u2019\u0131n notunu mevduat \u00e7\u0131k\u0131\u015f\u0131 riskinin artmas\u0131 nedeniyle d\u00fc\u015f\u00fcrmesi, benzer olaylar\u0131n olma ihtimalini de art\u0131r\u0131yor. Kald\u0131 ki, kredi derecelendirme kurulu\u015fu Moody\u2019s de yapt\u0131\u011f\u0131 a\u00e7\u0131klamada, aralar\u0131nda First Republic Bank\u2019\u0131n da oldu\u011fu 6 bankan\u0131n kredi notlar\u0131n\u0131 olas\u0131 bir indirim i\u00e7in incelemeye alm\u0131\u015f durumda. Yak\u0131nda bu konuda da yeni geli\u015fmelerin olma ihtimali y\u00fcksektir. Piyasalarda, Credit Suisse\u2019nin \u0130svi\u00e7re Merkez Bankas\u0131\u2019ndan yard\u0131m talep etti\u011fi iddia ediliyor. Bu durum, konunun yak\u0131n zamanda Avrupa\u2019ya da s\u0131\u00e7rayabilece\u011fi anlam\u0131na geliyor. Kald\u0131 ki, Credit Suisse\u2019nin en b\u00fcy\u00fck yat\u0131r\u0131mc\u0131s\u0131 Suudi Ulusal Bankas\u0131 daha fazla mali yard\u0131m sa\u011flayamayaca\u011f\u0131n\u0131 a\u00e7\u0131klad\u0131. Bu geli\u015fmeler bile Credit Suisse\u2019nin hisselerine y\u00fczde 30 de\u011fer kaybettirdi. Bu arada bankac\u0131l\u0131k hisselerine yat\u0131r\u0131m yapan emeklilik fonlar\u0131n\u0131n da ciddi zararda oldu\u011fu konu\u015fuluyor.<\/span><\/p> \u00a0<\/span><\/strong><\/p> MEVDUAT \u00c7IKI\u015eI FONLANDI MI?<\/span><\/strong><\/p> \u00a0<\/span><\/p> Bu geli\u015fmeler di\u011fer \u00fclkelere s\u0131\u00e7rar m\u0131?<\/span><\/p> \u00a0<\/span><\/p> T\u00fcm bankalar, birbirlerine \u2018line\u2019 ad\u0131 verilen kredi limitleri a\u00e7arlar.\u00a0<\/span><\/p> \u00a0<\/span><\/p> Bu limitlerde ratingler \u00f6nemli rol oynar. Dolay\u0131s\u0131yla ratingleri y\u00fcksek olan batan bankalar\u0131n bir\u00e7ok bankadan da para bor\u00e7lanmas\u0131 son derece do\u011fald\u0131r. Kritik soru, mevduat \u00e7\u0131k\u0131\u015flar\u0131 ba\u015flad\u0131ktan sonra bankalar aras\u0131 piyasadan bor\u00e7lanarak mevduat \u00e7\u0131k\u0131\u015f\u0131 fonland\u0131 m\u0131 sorusudur. E\u011fer bu yap\u0131ld\u0131ysa, batan bankalar bor\u00e7 ald\u0131klar\u0131 bankalara taahh\u00fctlerini yerine getirememi\u015f olabilirler. Batan bankalara depo ad\u0131 alt\u0131nda bor\u00e7 para veren bankalar da \u015fu an risk alt\u0131nda olabilir.\u00a0<\/span><\/p> \u00a0<\/span><\/p> Bu bankalar\u0131n hangileri oldu\u011fu \u015fu an belli olmamakla beraber, taahh\u00fctlerini yerine getiremedikleri takdirde yak\u0131nda ortaya \u00e7\u0131kabileceklerini s\u00f6yleyebiliriz.\u00a0<\/span><\/p> \u00a0<\/span><\/p> NAK\u0130T DENGES\u0130NDE \u0130HT\u0130YAT D\u00d6NEM\u0130<\/span><\/strong><\/p> \u00a0<\/span><\/p> Batan bankalar\u0131n ratingleri, bizim bankalar\u0131n ratinginden daha y\u00fcksek ratinge sahipti. Bu durumda rating sisteminin de ne kadar anlams\u0131z oldu\u011fu ortada. \u00dclke notu rating tavan\u0131 oldu\u011fundan b\u00f6yle bir tablonun ortaya \u00e7\u0131kmas\u0131 ABD\u2019de sanki banka batmazm\u0131\u015f havas\u0131 yaratarak teorik s\u0131f\u0131r risk g\u00f6r\u00fcnt\u00fcs\u00fc veriyor ve yat\u0131r\u0131mc\u0131lar\u0131 yan\u0131lt\u0131yor. Oysa ge\u00e7mi\u015fte de \u015fimdi de bankalar batmas\u0131na ra\u011fmen bu \u00f6rtbas edilmi\u015f ve ABD\u2019ye para giri\u015fi \u2018g\u00fcvenli liman\u2019 havas\u0131 yarat\u0131larak s\u00fcrd\u00fcr\u00fclebilmi\u015ftir.\u00a0<\/span><\/p> \u00a0<\/span><\/p> Batan bankalar\u0131n di\u011fer bankalara olan taahh\u00fctlerinin b\u00fcy\u00fckl\u00fc\u011f\u00fc domino etkisinin \u015fiddetini belirleyecektir. \u00c7\u00fcnk\u00fc bor\u00e7 para verenler de bor\u00e7 para ald\u0131klar\u0131 bankalara y\u00fck\u00fcml\u00fcl\u00fcklerini kar\u015f\u0131lamakta zorlanabilirler.<\/span><\/p> \u00a0<\/span><\/p> Ayr\u0131ca, bankac\u0131l\u0131k sistemine olan g\u00fcvenin azalmas\u0131 bir yandan alt\u0131na talebi art\u0131r\u0131rken, di\u011fer yandan \u00e7\u0131kan mevduatlar hem paraya ula\u015f\u0131m\u0131 zorla\u015ft\u0131racak hem de s\u0131k\u0131nt\u0131da olan ve temerr\u00fct s\u00f6ylentileri bulunan baz\u0131 \u00fclkelerin i\u015fini daha da zorla\u015ft\u0131racakt\u0131r. \u015eimdi nakit dengesinde ihtiyatl\u0131 davranma d\u00f6nemidir. Bankalar\u0131m\u0131z yurt d\u0131\u015f\u0131 bankalara verdikleri fonlar konusunda ihtiyatl\u0131 davranmal\u0131. \u015eirketlerimizin de fonlara daha zor ula\u015fma ihtimali artt\u0131.<\/span><\/p>","slug":"abd-bankacilik-krizi-ve-yansimalari","tags":null,"meta_title":null,"meta_description":null,"meta_keywords":null,"news_cover_min":null,"news_cover":null,"news_video_min":null,"news_video":null,"view_count":1711,"cropped_1200x675":null,"user":{"id":23,"name":"H\u0130KMET","surname":"BAYDAR","email":"hikmet-baydar@gmail.com","slug":"hikmet-baydar","avatar":"\/front\/uploads\/avatar\/1733691600m8IdzrjJsMVvSMC.webp","status":1,"role":1,"email_verified_at":null,"orde":null,"created_at":"2022-10-19T14:42:06.000000Z","updated_at":"2024-12-18T09:49:02.000000Z","seo_title":null,"seo_description":null},"translations":[{"id":38094,"is_featured":0,"is_amp":0,"is_ads":0,"ads_link":null,"post_id":37968,"locale":"tr","category_id":73,"title":"ABD bankac\u0131l\u0131k krizi ve yans\u0131malar\u0131","home_title":null,"sub_title":null,"slider_title":null,"slider_title_2":null,"slider_spot_title":null,"slider_spot_title_2":null,"subtitleuse":0,"description":"H\u0130KMET BAYDAR","content":" hikmetbaydar@3-goz.com<\/span><\/strong><\/p> \u00a0<\/span><\/p> Son zamanlarda ABD\u2019de banka batma haberleri duymaya ba\u015flad\u0131k. Silicon Valley Bank (SVB), Signature Bank ve Silvergate Bank\u2019\u0131n iflas\u0131, bankalardan mevduat ka\u00e7\u0131\u015f\u0131n\u0131n ger\u00e7ekle\u015fmesi nedeniyle d\u00fczenli olarak artan faizlere ra\u011fmen SVB\u2019nin uzun vadeli tahvil varl\u0131klar\u0131nda yazd\u0131\u011f\u0131 zararlar\u0131, satarak realize etmesine yol a\u00e7mas\u0131, bankac\u0131l\u0131k sekt\u00f6r\u00fcndeki sorunun bir s\u00fcre daha devam edece\u011fi ihtimalini de art\u0131r\u0131yor.\u00a0<\/span><\/p> \u00a0<\/span><\/p> S&P ve Fitch Ratings\u2019in ABD\u2019li First Republic Bank\u2019\u0131n notunu mevduat \u00e7\u0131k\u0131\u015f\u0131 riskinin artmas\u0131 nedeniyle d\u00fc\u015f\u00fcrmesi, benzer olaylar\u0131n olma ihtimalini de art\u0131r\u0131yor. Kald\u0131 ki, kredi derecelendirme kurulu\u015fu Moody\u2019s de yapt\u0131\u011f\u0131 a\u00e7\u0131klamada, aralar\u0131nda First Republic Bank\u2019\u0131n da oldu\u011fu 6 bankan\u0131n kredi notlar\u0131n\u0131 olas\u0131 bir indirim i\u00e7in incelemeye alm\u0131\u015f durumda. Yak\u0131nda bu konuda da yeni geli\u015fmelerin olma ihtimali y\u00fcksektir. Piyasalarda, Credit Suisse\u2019nin \u0130svi\u00e7re Merkez Bankas\u0131\u2019ndan yard\u0131m talep etti\u011fi iddia ediliyor. Bu durum, konunun yak\u0131n zamanda Avrupa\u2019ya da s\u0131\u00e7rayabilece\u011fi anlam\u0131na geliyor. Kald\u0131 ki, Credit Suisse\u2019nin en b\u00fcy\u00fck yat\u0131r\u0131mc\u0131s\u0131 Suudi Ulusal Bankas\u0131 daha fazla mali yard\u0131m sa\u011flayamayaca\u011f\u0131n\u0131 a\u00e7\u0131klad\u0131. Bu geli\u015fmeler bile Credit Suisse\u2019nin hisselerine y\u00fczde 30 de\u011fer kaybettirdi. Bu arada bankac\u0131l\u0131k hisselerine yat\u0131r\u0131m yapan emeklilik fonlar\u0131n\u0131n da ciddi zararda oldu\u011fu konu\u015fuluyor.<\/span><\/p> \u00a0<\/span><\/strong><\/p> MEVDUAT \u00c7IKI\u015eI FONLANDI MI?<\/span><\/strong><\/p> \u00a0<\/span><\/p> Bu geli\u015fmeler di\u011fer \u00fclkelere s\u0131\u00e7rar m\u0131?<\/span><\/p> \u00a0<\/span><\/p> T\u00fcm bankalar, birbirlerine \u2018line\u2019 ad\u0131 verilen kredi limitleri a\u00e7arlar.\u00a0<\/span><\/p> \u00a0<\/span><\/p> Bu limitlerde ratingler \u00f6nemli rol oynar. Dolay\u0131s\u0131yla ratingleri y\u00fcksek olan batan bankalar\u0131n bir\u00e7ok bankadan da para bor\u00e7lanmas\u0131 son derece do\u011fald\u0131r. Kritik soru, mevduat \u00e7\u0131k\u0131\u015flar\u0131 ba\u015flad\u0131ktan sonra bankalar aras\u0131 piyasadan bor\u00e7lanarak mevduat \u00e7\u0131k\u0131\u015f\u0131 fonland\u0131 m\u0131 sorusudur. E\u011fer bu yap\u0131ld\u0131ysa, batan bankalar bor\u00e7 ald\u0131klar\u0131 bankalara taahh\u00fctlerini yerine getirememi\u015f olabilirler. Batan bankalara depo ad\u0131 alt\u0131nda bor\u00e7 para veren bankalar da \u015fu an risk alt\u0131nda olabilir.\u00a0<\/span><\/p> \u00a0<\/span><\/p> Bu bankalar\u0131n hangileri oldu\u011fu \u015fu an belli olmamakla beraber, taahh\u00fctlerini yerine getiremedikleri takdirde yak\u0131nda ortaya \u00e7\u0131kabileceklerini s\u00f6yleyebiliriz.\u00a0<\/span><\/p> \u00a0<\/span><\/p> NAK\u0130T DENGES\u0130NDE \u0130HT\u0130YAT D\u00d6NEM\u0130<\/span><\/strong><\/p> \u00a0<\/span><\/p> Batan bankalar\u0131n ratingleri, bizim bankalar\u0131n ratinginden daha y\u00fcksek ratinge sahipti. Bu durumda rating sisteminin de ne kadar anlams\u0131z oldu\u011fu ortada. \u00dclke notu rating tavan\u0131 oldu\u011fundan b\u00f6yle bir tablonun ortaya \u00e7\u0131kmas\u0131 ABD\u2019de sanki banka batmazm\u0131\u015f havas\u0131 yaratarak teorik s\u0131f\u0131r risk g\u00f6r\u00fcnt\u00fcs\u00fc veriyor ve yat\u0131r\u0131mc\u0131lar\u0131 yan\u0131lt\u0131yor. Oysa ge\u00e7mi\u015fte de \u015fimdi de bankalar batmas\u0131na ra\u011fmen bu \u00f6rtbas edilmi\u015f ve ABD\u2019ye para giri\u015fi \u2018g\u00fcvenli liman\u2019 havas\u0131 yarat\u0131larak s\u00fcrd\u00fcr\u00fclebilmi\u015ftir.\u00a0<\/span><\/p> \u00a0<\/span><\/p> Batan bankalar\u0131n di\u011fer bankalara olan taahh\u00fctlerinin b\u00fcy\u00fckl\u00fc\u011f\u00fc domino etkisinin \u015fiddetini belirleyecektir. \u00c7\u00fcnk\u00fc bor\u00e7 para verenler de bor\u00e7 para ald\u0131klar\u0131 bankalara y\u00fck\u00fcml\u00fcl\u00fcklerini kar\u015f\u0131lamakta zorlanabilirler.<\/span><\/p> \u00a0<\/span><\/p> Ayr\u0131ca, bankac\u0131l\u0131k sistemine olan g\u00fcvenin azalmas\u0131 bir yandan alt\u0131na talebi art\u0131r\u0131rken, di\u011fer yandan \u00e7\u0131kan mevduatlar hem paraya ula\u015f\u0131m\u0131 zorla\u015ft\u0131racak hem de s\u0131k\u0131nt\u0131da olan ve temerr\u00fct s\u00f6ylentileri bulunan baz\u0131 \u00fclkelerin i\u015fini daha da zorla\u015ft\u0131racakt\u0131r. \u015eimdi nakit dengesinde ihtiyatl\u0131 davranma d\u00f6nemidir. Bankalar\u0131m\u0131z yurt d\u0131\u015f\u0131 bankalara verdikleri fonlar konusunda ihtiyatl\u0131 davranmal\u0131. \u015eirketlerimizin de fonlara daha zor ula\u015fma ihtimali artt\u0131.<\/span><\/p>","slug":"abd-bankacilik-krizi-ve-yansimalari","orjinalimage":null,"news_cover_min":null,"news_cover":null,"news_video_min":null,"news_video":null,"cropped_638x552":null,"cropped_310x208":null,"cropped_416x247":null,"cropped_197x247":null,"cropped_416x600":null,"cropped_1200x675":null,"tags":null,"meta_title":null,"meta_description":null,"meta_keywords":null,"view_count":1711,"yt":0,"ytid":"","ytimage":null,"imgdate":"2000-01-01 00:00:00","cuff_cover":null,"cropped_358x214":null,"cropped_842x474":null}]}}
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