{"status":true,"post":{"id":23058,"user_id":10,"status":1,"type":1,"orde":null,"notification_type":3,"static_post":0,"published_at":"2022-10-24 14:24:21","created_at":"2020-09-24T21:00:00.000000Z","updated_at":"2022-10-24T11:24:21.000000Z","edited_at":"2024-12-17 22:35:21","source_id":null,"post_id":23058,"is_featured":0,"title":"Reel sekt\u00f6r\u00fcn kredi riski neler anlat\u0131yor?","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":null,"content":"  \t\t\t\t\t  \t\t\t\t\t<p style=\"text-align: right;\"><span class=\"large\"><strong>Dr. Can G\u00fcrlesel<\/strong><\/span><br><\/p>  <p><span class=\"large\">T\u00fcrkiye\u2019de reel sekt\u00f6r faaliyetlerini b\u00fcy\u00fck \u00f6l\u00e7\u00fcde banka kredileri ile finanse ediyor. Reel sekt\u00f6r \u015firketleri hem yurt i\u00e7inden hem de yurt d\u0131\u015f\u0131ndan kredi kullan\u0131yor. Banka d\u0131\u015f\u0131 di\u011fer finans kurumlar\u0131n\u0131n finansman olanaklar\u0131 ile sermaye piyasas\u0131 ara\u00e7lar\u0131 da di\u011fer finansman kaynaklar\u0131. Ancak bunlar\u0131n kullan\u0131m pay\u0131 halen olduk\u00e7a d\u00fc\u015f\u00fck. Bu nedenle banka kredilerindeki geli\u015fmeler firmalar\u0131n mali yap\u0131lar\u0131nda da belirleyici oluyor.<\/span><\/p>  <p><span class=\"large\"><strong>1. TCMB ve T\u00dc\u0130K \u00e7ok \u00f6nemli bir \u00e7al\u0131\u015fma yay\u0131nlad\u0131<\/strong><\/span><\/p>  <p><span class=\"large\">TC. Merkez Bankas\u0131 ve T\u00fcrkiye \u0130statistik Kurumu \u00e7ok \u00f6nemli bir \u00e7al\u0131\u015fma yay\u0131nlad\u0131. \u0130ki kurum i\u015fbirli\u011fi yaparak daha \u00f6nce sadece Merkez Bankas\u0131 \u00e7al\u0131\u015fmas\u0131 olan \u2018Sekt\u00f6r Bilan\u00e7olar\u0131\u2019 \u00e7al\u0131\u015fmas\u0131n\u0131 g\u00fcncelleyerek yay\u0131nlad\u0131. \u00c7ok a\u011f\u0131r bir eme\u011fin \u00fcr\u00fcn\u00fc olan bu \u00e7al\u0131\u015fma i\u00e7in her iki kuruma da te\u015fekk\u00fcr etmemiz gerekiyor. 2009-2019 d\u00f6nemi i\u00e7in \u00e7ok ayr\u0131nt\u0131l\u0131 olarak reel kesimdeki t\u00fcm sekt\u00f6rlerin mali tablolar\u0131 ve oranlar\u0131 toplula\u015ft\u0131r\u0131lm\u0131\u015f olarak \u00e7al\u0131\u015fmada yer al\u0131yor. Bu \u00e7al\u0131\u015fma T\u00fcrkiye\u2019de finansal risklerin y\u00f6netilmesi a\u00e7\u0131s\u0131ndan \u00e7ok \u00f6nemli bir kaynak olacak.<\/span><\/p>  <p><span class=\"large\"><strong>2. Reel sekt\u00f6r\u00fcn kulland\u0131\u011f\u0131 kredilerin b\u00fcy\u00fckl\u00fc\u011f\u00fc 1.93 trilyon TL<\/strong><\/span><\/p>  <p><span class=\"large\">T\u00fcrkiye Bankalar Birli\u011fi, Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu ile TC. Merkez Bankas\u0131, bankac\u0131l\u0131k sekt\u00f6r\u00fc \u00fczerinden kulland\u0131r\u0131lan kredi istatistiklerini izliyor ve yay\u0131nl\u0131yor. <\/span><\/p>  <p><span class=\"large\">Sekt\u00f6r Bilan\u00e7osu \u00e7al\u0131\u015fmas\u0131 ise reel sekt\u00f6r firmalar\u0131n\u0131n bilan\u00e7olar\u0131 \u00fczerinden kullan\u0131lan kredileri hesaplam\u0131\u015f. Reel sekt\u00f6r \u015firketlerinin hem yurt i\u00e7i hem de yurt d\u0131\u015f\u0131ndan kulland\u0131klar\u0131 nakdi ve gayri nakdi krediler T\u00fcrk liras\u0131 ve yabanc\u0131 para cinsinden hesaplanm\u0131\u015f. Reel sekt\u00f6r\u00fcn kulland\u0131\u011f\u0131 kredilerin b\u00fcy\u00fckl\u00fc\u011f\u00fc 2019 y\u0131lsonu itibariyle 1.93 trilyon TL.<\/span><\/p>  <p><span class=\"large\"><strong>3. K\u0131sa vadeli kredilerin pay\u0131 y\u00fczde 26.8 <\/strong><\/span><\/p>  <p><span class=\"large\">T\u00fcrkiye\u2019de reel sekt\u00f6r\u00fcn \u00f6nemli bir s\u0131k\u0131nt\u0131s\u0131, yurt i\u00e7inden TL cinsi uzun vadeli kaynak bulamamas\u0131. Sekt\u00f6r Bilan\u00e7olar\u0131 \u00e7al\u0131\u015fmas\u0131 bu konuda da \u00e7ok \u00f6nemli veriler sunuyor. Buna g\u00f6re reel sekt\u00f6r\u00fcn kulland\u0131\u011f\u0131 1.93 trilyon TL tutar\u0131ndaki kredinin y\u00fczde 26.8\u2019i yani 517.5 milyar TL\u2019si k\u0131sa vadeli krediler. Uzun vadeli kredilerin b\u00fcy\u00fckl\u00fc\u011f\u00fc ise 1.41 trilyon TL\u2019dir.<\/span><\/p>  <p><span class=\"large\"><strong>4. Kredilerin y\u00fczde 62.6\u2019s\u0131 yabanc\u0131 para cinsinden<\/strong><\/span><\/p>  <p><span class=\"large\">Reel sekt\u00f6r\u00fcn kulland\u0131\u011f\u0131 banka kredilerinin y\u00fczde 62.6\u2019s\u0131 yabanc\u0131 para cinsinden. T\u00fcrkiye\u2019de reel sekt\u00f6r, kredilerinin yakla\u015f\u0131k \u00fc\u00e7te ikisini yabanc\u0131 para, \u00fc\u00e7te birini ise TL cinsi olarak kullan\u0131yor. Bu nedenle reel sekt\u00f6r a\u00e7\u0131s\u0131ndan kullan\u0131lan kredilerde d\u00f6viz kurlar\u0131ndaki geli\u015fmeler faiz oranlar\u0131ndaki geli\u015fmelerden daha \u00f6nemli. 2019 y\u0131lsonu itibariyle reel sekt\u00f6r\u00fcn toplam 203 milyar dolar tutar\u0131nda d\u00f6viz cinsi kredisi bulunuyor. D\u00f6viz cinsi kredilerin y\u00fczde 81\u2019i yani 164.6 milyar dolarl\u0131k b\u00f6l\u00fcm\u00fc uzun vadeli. T\u00fcrk liras\u0131 cinsi kredilerde ise uzun vadelilerin pay\u0131 y\u00fczde 60. Bu oran, 2018 ve 2019 y\u0131llar\u0131nda \u00f6nemli \u00f6l\u00e7\u00fcde kredinin yap\u0131land\u0131r\u0131larak uzun vadeli hale gelmesi nedeniyle artt\u0131.<\/span><\/p>  <p><span class=\"large\"><strong>5. En \u00e7ok d\u00f6viz kredisini imalat sanayi kullanm\u0131\u015f<\/strong><\/span><\/p>  <p><span class=\"large\">Reel sekt\u00f6r\u00fcn d\u00f6viz kredisi kullan\u0131m\u0131 Sekt\u00f6r Bilan\u00e7olar\u0131 \u00e7al\u0131\u015fmas\u0131nda sekt\u00f6r ayr\u0131nt\u0131lar\u0131 ile sunuluyor. Buna g\u00f6re 2019 y\u0131lsonu itibariyle en \u00e7ok d\u00f6viz kredisini kullanan sekt\u00f6r 56.47 milyar dolar ile imalat sanayi. Ancak imalat sanayi yakla\u015f\u0131k 155 milyar dolar y\u0131ll\u0131k ihracat\u0131 ile d\u00f6viz cinsi kredilerinin kur riskini y\u00f6netebiliyor. En y\u00fcksek d\u00f6viz kredisi kullan\u0131m\u0131nda imalat sanayini s\u0131ras\u0131 ile ula\u015ft\u0131rma ve ta\u015f\u0131mac\u0131l\u0131k, enerji, in\u015faat, ticaret, holdingler, turizm ve gayrimenkul sekt\u00f6rleri izliyor.<\/span><\/p>  <p><span class=\"large\"><strong>6. D\u00f6viz cinsi kredilerin pay\u0131 en y\u00fcksek sekt\u00f6rler ula\u015ft\u0131rma ve ta\u015f\u0131mac\u0131l\u0131k ile gayrimenkul <\/strong><\/span><\/p>  <p><span class=\"large\">Ula\u015ft\u0131rma ve ta\u015f\u0131mac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn kulland\u0131\u011f\u0131 toplam kredilerin y\u00fczde 90.3\u2019\u00fc, gayrimenkul geli\u015ftirme sekt\u00f6r\u00fcn\u00fcn ise y\u00fczde 89.1\u2019i d\u00f6viz cinsi krediler. Y\u00fcksek miktarda ve oranda d\u00f6viz kredisi kullan\u0131p yeterli d\u00f6viz geliri olmayan sekt\u00f6rler d\u00f6viz kurlar\u0131ndaki art\u0131\u015ftan daha olumsuz etkileniyor.<\/span><\/p>  <p><span class=\"large\"><strong>SON S\u00d6Z: <\/strong>T\u00fcrkiye finansal istikrar\u0131 ve kendi paras\u0131na g\u00fcveni sa\u011flayamadan d\u00f6viz cinsi tasarrufu ve d\u00f6viz kredisi kullan\u0131m\u0131n\u0131 azaltamaz.<\/span><\/p>  \t\t\t\t","slug":"reel-sektorun-kredi-riski-neler-anlatiyor","tags":"K\u00f6\u015fe Yaz\u0131s\u0131","meta_title":"Reel sekt\u00f6r\u00fcn kredi riski neler anlat\u0131yor?","meta_description":"Dr. Can G\u00fcrlesel","meta_keywords":"K\u00f6\u015fe Yaz\u0131s\u0131","news_cover_min":null,"news_cover":null,"news_video_min":null,"news_video":null,"view_count":1116,"cropped_1200x675":null,"user":{"id":10,"name":"CAN","surname":"G\u00dcRLESEL","email":"durmaz.umran@superposta.com","slug":"dr-can-gurlesel","avatar":"\/front\/uploads\/avatar\/17336916008P5QTYWdQ2pLpLn.webp","status":1,"role":1,"email_verified_at":null,"orde":null,"created_at":"2022-09-15T09:39:41.000000Z","updated_at":"2024-12-18T09:51:00.000000Z","seo_title":null,"seo_description":null},"translations":[{"id":23157,"is_featured":0,"is_amp":0,"is_ads":0,"ads_link":null,"post_id":23058,"locale":"tr","category_id":73,"title":"Reel sekt\u00f6r\u00fcn kredi riski neler anlat\u0131yor?","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":null,"content":"  \t\t\t\t\t  \t\t\t\t\t<p style=\"text-align: right;\"><span class=\"large\"><strong>Dr. Can G\u00fcrlesel<\/strong><\/span><br><\/p>  <p><span class=\"large\">T\u00fcrkiye\u2019de reel sekt\u00f6r faaliyetlerini b\u00fcy\u00fck \u00f6l\u00e7\u00fcde banka kredileri ile finanse ediyor. Reel sekt\u00f6r \u015firketleri hem yurt i\u00e7inden hem de yurt d\u0131\u015f\u0131ndan kredi kullan\u0131yor. Banka d\u0131\u015f\u0131 di\u011fer finans kurumlar\u0131n\u0131n finansman olanaklar\u0131 ile sermaye piyasas\u0131 ara\u00e7lar\u0131 da di\u011fer finansman kaynaklar\u0131. Ancak bunlar\u0131n kullan\u0131m pay\u0131 halen olduk\u00e7a d\u00fc\u015f\u00fck. Bu nedenle banka kredilerindeki geli\u015fmeler firmalar\u0131n mali yap\u0131lar\u0131nda da belirleyici oluyor.<\/span><\/p>  <p><span class=\"large\"><strong>1. TCMB ve T\u00dc\u0130K \u00e7ok \u00f6nemli bir \u00e7al\u0131\u015fma yay\u0131nlad\u0131<\/strong><\/span><\/p>  <p><span class=\"large\">TC. Merkez Bankas\u0131 ve T\u00fcrkiye \u0130statistik Kurumu \u00e7ok \u00f6nemli bir \u00e7al\u0131\u015fma yay\u0131nlad\u0131. \u0130ki kurum i\u015fbirli\u011fi yaparak daha \u00f6nce sadece Merkez Bankas\u0131 \u00e7al\u0131\u015fmas\u0131 olan \u2018Sekt\u00f6r Bilan\u00e7olar\u0131\u2019 \u00e7al\u0131\u015fmas\u0131n\u0131 g\u00fcncelleyerek yay\u0131nlad\u0131. \u00c7ok a\u011f\u0131r bir eme\u011fin \u00fcr\u00fcn\u00fc olan bu \u00e7al\u0131\u015fma i\u00e7in her iki kuruma da te\u015fekk\u00fcr etmemiz gerekiyor. 2009-2019 d\u00f6nemi i\u00e7in \u00e7ok ayr\u0131nt\u0131l\u0131 olarak reel kesimdeki t\u00fcm sekt\u00f6rlerin mali tablolar\u0131 ve oranlar\u0131 toplula\u015ft\u0131r\u0131lm\u0131\u015f olarak \u00e7al\u0131\u015fmada yer al\u0131yor. Bu \u00e7al\u0131\u015fma T\u00fcrkiye\u2019de finansal risklerin y\u00f6netilmesi a\u00e7\u0131s\u0131ndan \u00e7ok \u00f6nemli bir kaynak olacak.<\/span><\/p>  <p><span class=\"large\"><strong>2. Reel sekt\u00f6r\u00fcn kulland\u0131\u011f\u0131 kredilerin b\u00fcy\u00fckl\u00fc\u011f\u00fc 1.93 trilyon TL<\/strong><\/span><\/p>  <p><span class=\"large\">T\u00fcrkiye Bankalar Birli\u011fi, Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu ile TC. Merkez Bankas\u0131, bankac\u0131l\u0131k sekt\u00f6r\u00fc \u00fczerinden kulland\u0131r\u0131lan kredi istatistiklerini izliyor ve yay\u0131nl\u0131yor. <\/span><\/p>  <p><span class=\"large\">Sekt\u00f6r Bilan\u00e7osu \u00e7al\u0131\u015fmas\u0131 ise reel sekt\u00f6r firmalar\u0131n\u0131n bilan\u00e7olar\u0131 \u00fczerinden kullan\u0131lan kredileri hesaplam\u0131\u015f. Reel sekt\u00f6r \u015firketlerinin hem yurt i\u00e7i hem de yurt d\u0131\u015f\u0131ndan kulland\u0131klar\u0131 nakdi ve gayri nakdi krediler T\u00fcrk liras\u0131 ve yabanc\u0131 para cinsinden hesaplanm\u0131\u015f. Reel sekt\u00f6r\u00fcn kulland\u0131\u011f\u0131 kredilerin b\u00fcy\u00fckl\u00fc\u011f\u00fc 2019 y\u0131lsonu itibariyle 1.93 trilyon TL.<\/span><\/p>  <p><span class=\"large\"><strong>3. K\u0131sa vadeli kredilerin pay\u0131 y\u00fczde 26.8 <\/strong><\/span><\/p>  <p><span class=\"large\">T\u00fcrkiye\u2019de reel sekt\u00f6r\u00fcn \u00f6nemli bir s\u0131k\u0131nt\u0131s\u0131, yurt i\u00e7inden TL cinsi uzun vadeli kaynak bulamamas\u0131. Sekt\u00f6r Bilan\u00e7olar\u0131 \u00e7al\u0131\u015fmas\u0131 bu konuda da \u00e7ok \u00f6nemli veriler sunuyor. Buna g\u00f6re reel sekt\u00f6r\u00fcn kulland\u0131\u011f\u0131 1.93 trilyon TL tutar\u0131ndaki kredinin y\u00fczde 26.8\u2019i yani 517.5 milyar TL\u2019si k\u0131sa vadeli krediler. Uzun vadeli kredilerin b\u00fcy\u00fckl\u00fc\u011f\u00fc ise 1.41 trilyon TL\u2019dir.<\/span><\/p>  <p><span class=\"large\"><strong>4. Kredilerin y\u00fczde 62.6\u2019s\u0131 yabanc\u0131 para cinsinden<\/strong><\/span><\/p>  <p><span class=\"large\">Reel sekt\u00f6r\u00fcn kulland\u0131\u011f\u0131 banka kredilerinin y\u00fczde 62.6\u2019s\u0131 yabanc\u0131 para cinsinden. T\u00fcrkiye\u2019de reel sekt\u00f6r, kredilerinin yakla\u015f\u0131k \u00fc\u00e7te ikisini yabanc\u0131 para, \u00fc\u00e7te birini ise TL cinsi olarak kullan\u0131yor. Bu nedenle reel sekt\u00f6r a\u00e7\u0131s\u0131ndan kullan\u0131lan kredilerde d\u00f6viz kurlar\u0131ndaki geli\u015fmeler faiz oranlar\u0131ndaki geli\u015fmelerden daha \u00f6nemli. 2019 y\u0131lsonu itibariyle reel sekt\u00f6r\u00fcn toplam 203 milyar dolar tutar\u0131nda d\u00f6viz cinsi kredisi bulunuyor. D\u00f6viz cinsi kredilerin y\u00fczde 81\u2019i yani 164.6 milyar dolarl\u0131k b\u00f6l\u00fcm\u00fc uzun vadeli. T\u00fcrk liras\u0131 cinsi kredilerde ise uzun vadelilerin pay\u0131 y\u00fczde 60. Bu oran, 2018 ve 2019 y\u0131llar\u0131nda \u00f6nemli \u00f6l\u00e7\u00fcde kredinin yap\u0131land\u0131r\u0131larak uzun vadeli hale gelmesi nedeniyle artt\u0131.<\/span><\/p>  <p><span class=\"large\"><strong>5. En \u00e7ok d\u00f6viz kredisini imalat sanayi kullanm\u0131\u015f<\/strong><\/span><\/p>  <p><span class=\"large\">Reel sekt\u00f6r\u00fcn d\u00f6viz kredisi kullan\u0131m\u0131 Sekt\u00f6r Bilan\u00e7olar\u0131 \u00e7al\u0131\u015fmas\u0131nda sekt\u00f6r ayr\u0131nt\u0131lar\u0131 ile sunuluyor. Buna g\u00f6re 2019 y\u0131lsonu itibariyle en \u00e7ok d\u00f6viz kredisini kullanan sekt\u00f6r 56.47 milyar dolar ile imalat sanayi. Ancak imalat sanayi yakla\u015f\u0131k 155 milyar dolar y\u0131ll\u0131k ihracat\u0131 ile d\u00f6viz cinsi kredilerinin kur riskini y\u00f6netebiliyor. En y\u00fcksek d\u00f6viz kredisi kullan\u0131m\u0131nda imalat sanayini s\u0131ras\u0131 ile ula\u015ft\u0131rma ve ta\u015f\u0131mac\u0131l\u0131k, enerji, in\u015faat, ticaret, holdingler, turizm ve gayrimenkul sekt\u00f6rleri izliyor.<\/span><\/p>  <p><span class=\"large\"><strong>6. D\u00f6viz cinsi kredilerin pay\u0131 en y\u00fcksek sekt\u00f6rler ula\u015ft\u0131rma ve ta\u015f\u0131mac\u0131l\u0131k ile gayrimenkul <\/strong><\/span><\/p>  <p><span class=\"large\">Ula\u015ft\u0131rma ve ta\u015f\u0131mac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn kulland\u0131\u011f\u0131 toplam kredilerin y\u00fczde 90.3\u2019\u00fc, gayrimenkul geli\u015ftirme sekt\u00f6r\u00fcn\u00fcn ise y\u00fczde 89.1\u2019i d\u00f6viz cinsi krediler. Y\u00fcksek miktarda ve oranda d\u00f6viz kredisi kullan\u0131p yeterli d\u00f6viz geliri olmayan sekt\u00f6rler d\u00f6viz kurlar\u0131ndaki art\u0131\u015ftan daha olumsuz etkileniyor.<\/span><\/p>  <p><span class=\"large\"><strong>SON S\u00d6Z: <\/strong>T\u00fcrkiye finansal istikrar\u0131 ve kendi paras\u0131na g\u00fcveni sa\u011flayamadan d\u00f6viz cinsi tasarrufu ve d\u00f6viz kredisi kullan\u0131m\u0131n\u0131 azaltamaz.<\/span><\/p>  \t\t\t\t","slug":"reel-sektorun-kredi-riski-neler-anlatiyor","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":"K\u00f6\u015fe Yaz\u0131s\u0131","meta_title":"Reel sekt\u00f6r\u00fcn kredi riski neler anlat\u0131yor?","meta_description":"Dr. Can G\u00fcrlesel","meta_keywords":"K\u00f6\u015fe Yaz\u0131s\u0131","view_count":1116,"yt":0,"ytid":"","ytimage":null,"imgdate":"2000-01-01 00:00:00","cuff_cover":null,"cropped_358x214":null,"cropped_842x474":null}]}}