{"status":true,"post":{"id":38526,"user_id":9,"status":1,"type":1,"orde":null,"notification_type":3,"static_post":0,"published_at":"2023-04-03 08:03:00","created_at":"2023-04-03T05:03:00.000000Z","updated_at":"2023-04-03T05:03:00.000000Z","edited_at":"2024-12-17 22:35:21","source_id":null,"post_id":38526,"is_featured":0,"title":"K\u00fcresel bankac\u0131l\u0131kta su bulan\u0131k","slider_title":null,"slider_title_2":null,"slider_spot_title":null,"slider_spot_title_2":null,"home_title":null,"sub_title":null,"category_id":73,"description":"PROF. DR. NURULLAH G\u00dcR","content":"

<\/span><\/strong>
<\/span><\/strong><\/p>

ngur@medipol.com.tr<\/span><\/strong><\/p>

\u00a0<\/span><\/p>

K\u00fcresel ekonominin ba\u015f\u0131 dertten kurtulmuyor. Son haftalardaki s\u0131k\u0131nt\u0131, bankac\u0131l\u0131k sekt\u00f6r\u00fcyle alakal\u0131. ABD\u2019de baz\u0131 k\u00fc\u00e7\u00fck ve orta \u00f6l\u00e7ekli bankalar\u0131n bilan\u00e7olar\u0131ndaki bozulmadan kaynakl\u0131 olarak ya\u015fanan g\u00fcven kayb\u0131, iki bankan\u0131n \u00e7\u00f6kmesiyle sonu\u00e7land\u0131. Bu ya\u015fananlar, Fed\u2019in faizleri k\u0131sa s\u00fcrede beklenenden \u00e7ok sert art\u0131rmas\u0131n\u0131n banka -\u00f6zellikle de k\u00fc\u00e7\u00fck ve orta \u00f6l\u00e7ekli olanlar\u0131n- bilan\u00e7olar\u0131n\u0131 zorlad\u0131\u011f\u0131n\u0131n ciddi bir i\u015fareti. Para politikas\u0131n\u0131n yan etkileri s\u00fcreci tetiklemi\u015f olsa da bu t\u00fcrb\u00fclans\u0131n as\u0131l su\u00e7lusu Fed de\u011fil. K\u00f6t\u00fc kurumsal y\u00f6netim ve yetersiz bankac\u0131l\u0131k d\u00fczenlemeleri, bu bat\u0131\u015f hikayesinin ana akt\u00f6rleri.\u00a0<\/span><\/p>

\u00a0<\/span><\/p>

Bankac\u0131l\u0131k sekt\u00f6r\u00fcnde su bir anda bulan\u0131nca \u0130svi\u00e7reli Credit Suisse de g\u00fcme gitti. Credit Suisse herkes\u00e7e bilinen, bir d\u00f6nemin en itibarl\u0131 bankalar\u0131ndan biriydi. Ama banka, son y\u0131llarda neredeyse her t\u00fcrde finansal skandala kar\u0131\u015fm\u0131\u015ft\u0131. Bir s\u00fcredir de adeta \u0130svi\u00e7reli otoritelerin zorlamas\u0131 ve K\u00f6rfez sermayesinin deste\u011fi ile y\u00fczd\u00fcr\u00fclmeye \u00e7al\u0131\u015f\u0131l\u0131yordu. Credit Suisse, daha fazla dayanamad\u0131. \u0130flas bayra\u011f\u0131n\u0131 \u00e7ekmek \u00fczereyken, \u0130svi\u00e7reli rakibi UBS ile zorunlu olarak evlendirildi.<\/span><\/p>

\u00a0<\/span><\/p>

DENET\u0130M VE G\u00d6ZET\u0130M MEKAN\u0130ZMASI<\/span><\/strong><\/p>

\u00a0<\/span><\/p>

D\u00fczenleyici kurumlar\u0131n atm\u0131\u015f olduklar\u0131 ilk ad\u0131mlar, ya\u015fananlar\u0131n sistematik bir krize d\u00f6n\u00fc\u015fmesini \u015fu an i\u00e7in engelledi. Ama bu k\u00fc\u00e7\u00fck \u00e7apl\u0131 krizin politika yap\u0131c\u0131lar taraf\u0131ndan \u00f6ng\u00f6r\u00fclememi\u015f olmas\u0131, a\u00e7\u0131k\u00e7as\u0131 korkutucu. Kriz bir anda patlak verdi. Bu durum, k\u00fc\u00e7\u00fck ve ortak \u00f6l\u00e7ekli bankalar i\u00e7in denetim ve g\u00f6zetim mekanizmas\u0131n\u0131n gev\u015fek tutulmas\u0131n\u0131n ne denli tehlikeli olabilece\u011finin bir i\u015fareti.\u00a0<\/span><\/p>

\u00a0<\/span><\/p>

K\u00fc\u00e7\u00fck ve orta \u00f6l\u00e7ekli bankalar sorun ya\u015fad\u0131\u011f\u0131 zaman, zaten sallant\u0131da olan ama bilan\u00e7olar\u0131n\u0131 makyajlayarak idare etmeye \u00e7al\u0131\u015fan b\u00fcy\u00fck bankalar da s\u0131k\u0131nt\u0131ya girebiliyor. Zira, bankac\u0131l\u0131k sekt\u00f6r\u00fc, g\u00fcven \u00fczerine in\u015fa edilmi\u015f bir sistem. G\u00fcven sars\u0131ld\u0131\u011f\u0131 zaman, yap\u0131n\u0131n ayakta kal\u0131p kalamayaca\u011f\u0131 sorgulanmaya ba\u015flar.\u00a0<\/span><\/p>

\u00a0<\/span><\/p>

PALYAT\u0130F \u00c7\u00d6Z\u00dcMLER<\/span><\/strong><\/p>

\u00a0<\/span><\/p>

K\u00fcresel sistemde bankalar birbirleriyle a\u015f\u0131r\u0131 say\u0131da ve boyutta i\u015flem yapt\u0131klar\u0131 i\u00e7in yap\u0131 olduk\u00e7a girift bir hale b\u00fcr\u00fcnm\u00fc\u015f durumda. Bir bankan\u0131n di\u011fer hangi bankalar\u0131n riskini ne a\u011f\u0131rl\u0131kta bilan\u00e7osunda ta\u015f\u0131d\u0131\u011f\u0131n\u0131 takip etmek olduk\u00e7a zorla\u015ft\u0131. Dolay\u0131s\u0131yla, say\u0131lar\u0131 az da olsa birka\u00e7 banka s\u0131k\u0131nt\u0131ya girdi\u011finde bu krizin ne kadar yayg\u0131nla\u015fabilece\u011fini \u00f6ng\u00f6rmek kolay olmuyor.<\/span><\/p>

\u00a0<\/span><\/p>

Maalesef d\u00fcnya genelinde politika yap\u0131c\u0131lar, finans piyasalar\u0131ndaki a\u00e7g\u00f6zl\u00fcl\u00fc\u011f\u00fc ve h\u0131rs\u0131 dizginlemeyi yeterince ba\u015faram\u0131yorlar. Bir kriz ya\u015fand\u0131\u011f\u0131 zaman denetim ve g\u00f6zetim mekanizmas\u0131n\u0131 s\u0131k\u0131la\u015ft\u0131r\u0131rm\u0131\u015f gibi yap\u0131yorlar. Ama ya\u015fanan ac\u0131 tecr\u00fcbeler birka\u00e7 sene sonra unutulmaya y\u00fcz tutunca, ipler gev\u015fetiliyor. Ard\u0131ndan k\u00fcresel sistem bir ba\u015fka sorunla y\u00fczle\u015fmek zorunda kal\u0131yor. Yap\u0131sal problemleri \u00e7\u00f6zecek reformlar yap\u0131lm\u0131yor veya yap\u0131lsa bile bu reformlar\u0131n arkas\u0131nda yeterince durulmuyor. Ekonomi politikalar\u0131n\u0131n yan etkilerinin de \u00e7o\u011fu zaman g\u00f6rmezden gelinmesi ise bir ba\u015fka sorun. Sonu\u00e7 olarak, k\u00fcresel ekonomi k\u0131s\u0131r d\u00f6ng\u00fcden kurtulam\u0131yor. Palyatif \u00e7\u00f6z\u00fcmlerle gemi y\u00fczd\u00fcr\u00fclmeye \u00e7al\u0131\u015f\u0131l\u0131yor.<\/span><\/p>","slug":"kuresel-bankacilikta-su-bulanik-","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":1328,"cropped_1200x675":null,"user":{"id":9,"name":"NURULLAH","surname":"G\u00dcR","email":"nurullah.gur@marmara.edu.tr","slug":"prof-dr-nurullah-gur","avatar":"\/front\/uploads\/avatar\/1733691600zm0eg4EVw1c01iN.webp","status":1,"role":1,"email_verified_at":null,"orde":null,"created_at":"2022-09-15T09:39:41.000000Z","updated_at":"2024-12-18T09:51:22.000000Z","seo_title":null,"seo_description":null},"translations":[{"id":38652,"is_featured":0,"is_amp":0,"is_ads":0,"ads_link":null,"post_id":38526,"locale":"tr","category_id":73,"title":"K\u00fcresel bankac\u0131l\u0131kta su bulan\u0131k","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":"PROF. DR. NURULLAH G\u00dcR","content":"

<\/span><\/strong>
<\/span><\/strong><\/p>

ngur@medipol.com.tr<\/span><\/strong><\/p>

\u00a0<\/span><\/p>

K\u00fcresel ekonominin ba\u015f\u0131 dertten kurtulmuyor. Son haftalardaki s\u0131k\u0131nt\u0131, bankac\u0131l\u0131k sekt\u00f6r\u00fcyle alakal\u0131. ABD\u2019de baz\u0131 k\u00fc\u00e7\u00fck ve orta \u00f6l\u00e7ekli bankalar\u0131n bilan\u00e7olar\u0131ndaki bozulmadan kaynakl\u0131 olarak ya\u015fanan g\u00fcven kayb\u0131, iki bankan\u0131n \u00e7\u00f6kmesiyle sonu\u00e7land\u0131. Bu ya\u015fananlar, Fed\u2019in faizleri k\u0131sa s\u00fcrede beklenenden \u00e7ok sert art\u0131rmas\u0131n\u0131n banka -\u00f6zellikle de k\u00fc\u00e7\u00fck ve orta \u00f6l\u00e7ekli olanlar\u0131n- bilan\u00e7olar\u0131n\u0131 zorlad\u0131\u011f\u0131n\u0131n ciddi bir i\u015fareti. Para politikas\u0131n\u0131n yan etkileri s\u00fcreci tetiklemi\u015f olsa da bu t\u00fcrb\u00fclans\u0131n as\u0131l su\u00e7lusu Fed de\u011fil. K\u00f6t\u00fc kurumsal y\u00f6netim ve yetersiz bankac\u0131l\u0131k d\u00fczenlemeleri, bu bat\u0131\u015f hikayesinin ana akt\u00f6rleri.\u00a0<\/span><\/p>

\u00a0<\/span><\/p>

Bankac\u0131l\u0131k sekt\u00f6r\u00fcnde su bir anda bulan\u0131nca \u0130svi\u00e7reli Credit Suisse de g\u00fcme gitti. Credit Suisse herkes\u00e7e bilinen, bir d\u00f6nemin en itibarl\u0131 bankalar\u0131ndan biriydi. Ama banka, son y\u0131llarda neredeyse her t\u00fcrde finansal skandala kar\u0131\u015fm\u0131\u015ft\u0131. Bir s\u00fcredir de adeta \u0130svi\u00e7reli otoritelerin zorlamas\u0131 ve K\u00f6rfez sermayesinin deste\u011fi ile y\u00fczd\u00fcr\u00fclmeye \u00e7al\u0131\u015f\u0131l\u0131yordu. Credit Suisse, daha fazla dayanamad\u0131. \u0130flas bayra\u011f\u0131n\u0131 \u00e7ekmek \u00fczereyken, \u0130svi\u00e7reli rakibi UBS ile zorunlu olarak evlendirildi.<\/span><\/p>

\u00a0<\/span><\/p>

DENET\u0130M VE G\u00d6ZET\u0130M MEKAN\u0130ZMASI<\/span><\/strong><\/p>

\u00a0<\/span><\/p>

D\u00fczenleyici kurumlar\u0131n atm\u0131\u015f olduklar\u0131 ilk ad\u0131mlar, ya\u015fananlar\u0131n sistematik bir krize d\u00f6n\u00fc\u015fmesini \u015fu an i\u00e7in engelledi. Ama bu k\u00fc\u00e7\u00fck \u00e7apl\u0131 krizin politika yap\u0131c\u0131lar taraf\u0131ndan \u00f6ng\u00f6r\u00fclememi\u015f olmas\u0131, a\u00e7\u0131k\u00e7as\u0131 korkutucu. Kriz bir anda patlak verdi. Bu durum, k\u00fc\u00e7\u00fck ve ortak \u00f6l\u00e7ekli bankalar i\u00e7in denetim ve g\u00f6zetim mekanizmas\u0131n\u0131n gev\u015fek tutulmas\u0131n\u0131n ne denli tehlikeli olabilece\u011finin bir i\u015fareti.\u00a0<\/span><\/p>

\u00a0<\/span><\/p>

K\u00fc\u00e7\u00fck ve orta \u00f6l\u00e7ekli bankalar sorun ya\u015fad\u0131\u011f\u0131 zaman, zaten sallant\u0131da olan ama bilan\u00e7olar\u0131n\u0131 makyajlayarak idare etmeye \u00e7al\u0131\u015fan b\u00fcy\u00fck bankalar da s\u0131k\u0131nt\u0131ya girebiliyor. Zira, bankac\u0131l\u0131k sekt\u00f6r\u00fc, g\u00fcven \u00fczerine in\u015fa edilmi\u015f bir sistem. G\u00fcven sars\u0131ld\u0131\u011f\u0131 zaman, yap\u0131n\u0131n ayakta kal\u0131p kalamayaca\u011f\u0131 sorgulanmaya ba\u015flar.\u00a0<\/span><\/p>

\u00a0<\/span><\/p>

PALYAT\u0130F \u00c7\u00d6Z\u00dcMLER<\/span><\/strong><\/p>

\u00a0<\/span><\/p>

K\u00fcresel sistemde bankalar birbirleriyle a\u015f\u0131r\u0131 say\u0131da ve boyutta i\u015flem yapt\u0131klar\u0131 i\u00e7in yap\u0131 olduk\u00e7a girift bir hale b\u00fcr\u00fcnm\u00fc\u015f durumda. Bir bankan\u0131n di\u011fer hangi bankalar\u0131n riskini ne a\u011f\u0131rl\u0131kta bilan\u00e7osunda ta\u015f\u0131d\u0131\u011f\u0131n\u0131 takip etmek olduk\u00e7a zorla\u015ft\u0131. Dolay\u0131s\u0131yla, say\u0131lar\u0131 az da olsa birka\u00e7 banka s\u0131k\u0131nt\u0131ya girdi\u011finde bu krizin ne kadar yayg\u0131nla\u015fabilece\u011fini \u00f6ng\u00f6rmek kolay olmuyor.<\/span><\/p>

\u00a0<\/span><\/p>

Maalesef d\u00fcnya genelinde politika yap\u0131c\u0131lar, finans piyasalar\u0131ndaki a\u00e7g\u00f6zl\u00fcl\u00fc\u011f\u00fc ve h\u0131rs\u0131 dizginlemeyi yeterince ba\u015faram\u0131yorlar. Bir kriz ya\u015fand\u0131\u011f\u0131 zaman denetim ve g\u00f6zetim mekanizmas\u0131n\u0131 s\u0131k\u0131la\u015ft\u0131r\u0131rm\u0131\u015f gibi yap\u0131yorlar. Ama ya\u015fanan ac\u0131 tecr\u00fcbeler birka\u00e7 sene sonra unutulmaya y\u00fcz tutunca, ipler gev\u015fetiliyor. Ard\u0131ndan k\u00fcresel sistem bir ba\u015fka sorunla y\u00fczle\u015fmek zorunda kal\u0131yor. Yap\u0131sal problemleri \u00e7\u00f6zecek reformlar yap\u0131lm\u0131yor veya yap\u0131lsa bile bu reformlar\u0131n arkas\u0131nda yeterince durulmuyor. Ekonomi politikalar\u0131n\u0131n yan etkilerinin de \u00e7o\u011fu zaman g\u00f6rmezden gelinmesi ise bir ba\u015fka sorun. Sonu\u00e7 olarak, k\u00fcresel ekonomi k\u0131s\u0131r d\u00f6ng\u00fcden kurtulam\u0131yor. Palyatif \u00e7\u00f6z\u00fcmlerle gemi y\u00fczd\u00fcr\u00fclmeye \u00e7al\u0131\u015f\u0131l\u0131yor.<\/span><\/p>","slug":"kuresel-bankacilikta-su-bulanik-","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":1328,"yt":0,"ytid":"","ytimage":null,"imgdate":"2000-01-01 00:00:00","cuff_cover":null,"cropped_358x214":null,"cropped_842x474":null}]}}