{"status":true,"post":{"id":36616,"user_id":9,"status":1,"type":1,"orde":null,"notification_type":3,"static_post":0,"published_at":"2023-01-23 12:33:00","created_at":"2023-01-23T09:33:00.000000Z","updated_at":"2023-01-23T09:33:00.000000Z","edited_at":"2024-12-17 22:35:21","source_id":null,"post_id":36616,"is_featured":0,"title":"Se\u00e7ici ve hedef odakl\u0131 kredi paketi","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":"

PROF. DR. NURULLAH G\u00dcR<\/span><\/strong><\/p>

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

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

Ge\u00e7ti\u011fimiz y\u0131l k\u00fcresel trendin aksine T\u00fcrkiye\u2019de faiz oranlar\u0131 gerilemi\u015fti. Merkez Bankas\u0131\u2019n\u0131n hamleleriyle faiz oranlar\u0131 a\u015fa\u011f\u0131ya inse de krediye eri\u015fim noktas\u0131nda reel sekt\u00f6r\u00fcn zaman zaman s\u0131k\u0131nt\u0131 ya\u015fad\u0131\u011f\u0131na \u015fahit olduk. Negatif reel faiz d\u00f6neminde krediye eri\u015fimde baz\u0131 noktalar\u0131n t\u0131kanmas\u0131 asl\u0131nda ekonomi y\u00f6netiminin bilin\u00e7li bir \u015fekilde kulland\u0131\u011f\u0131 bir y\u00f6ntemdi. A\u015f\u0131r\u0131 kredi geni\u015flemesinin enflasyonu k\u00f6r\u00fcklemesi ve TL kredilerin d\u00f6vize y\u00f6nelmesi istenmiyordu. Bu y\u00fczden kredilerde olduk\u00e7a se\u00e7ici bir da\u011f\u0131l\u0131m h\u00fck\u00fcm s\u00fcrd\u00fc.<\/span><\/p>


<\/p>

Ge\u00e7ti\u011fimiz y\u0131l\u0131n kas\u0131m ay\u0131nda bu k\u00f6\u015fede kaleme ald\u0131\u011f\u0131m bir yaz\u0131da, krediye eri\u015fimin yeni y\u0131lla birlikte biraz daha rahatlayabilece\u011fine dikkat \u00e7ekmi\u015ftim. Bunun da gerek\u00e7esi olarak, ekonomi y\u00f6netiminin enflasyonda d\u00fc\u015f\u00fc\u015f trendi ba\u015flad\u0131ktan sonra kredi piyasas\u0131n\u0131 gev\u015fetmek isteyece\u011fi tezini \u00f6ne s\u00fcrm\u00fc\u015ft\u00fcm. Piyasalar\u0131n da bekledi\u011fi gibi kredi kanallar\u0131 y\u0131l\u0131n ilk g\u00fcnlerinden itibaren kontroll\u00fc bir \u015fekilde a\u00e7\u0131lmaya ba\u015flad\u0131.<\/span><\/p>


<\/p>

REEL SEKT\u00d6R\u00dcN ARTAN \u0130HT\u0130YA\u00c7LARI<\/span><\/strong><\/p>


<\/p>

Reel sekt\u00f6r\u00fcn bu geni\u015flemeye ihtiyac\u0131 var. Neden? Bir\u00e7ok emtia ve ara mal\u0131n\u0131n fiyatlar\u0131 dolar baz\u0131nda son 10 y\u0131l\u0131n ortalama de\u011ferlerinin olduk\u00e7a \u00fczerine \u00e7\u0131kt\u0131. Her ne kadar zirveden geri \u00e7ekilme ya\u015fanm\u0131\u015f olsa da reel sekt\u00f6r\u00fcn kar\u015f\u0131la\u015ft\u0131\u011f\u0131 maliyet art\u0131\u015f\u0131 halen y\u00fcksek seviyelerde. Asgari \u00fccrette kayda de\u011fer bir at\u0131\u015f ya\u015fand\u0131. Bu da \u015firketlerin finansmana olan ihtiyac\u0131n\u0131 besliyor. EYT ile emekli olacaklar\u0131n tazminat \u00f6demeleri de cabas\u0131.<\/span><\/p>


<\/p>

\u0130hracata yeni \u0131s\u0131nan KOB\u0130\u2019ler ve ihracat kapasitesini birka\u00e7 kademe yukar\u0131 ta\u015f\u0131may\u0131 hedefleyen \u015firketlerimizin yeni yat\u0131r\u0131mlara ihtiyac\u0131 var. Sadece fiziki yat\u0131r\u0131mlar i\u00e7in de\u011fil, ayn\u0131 zamanda teknoloji ve ye\u015fil d\u00f6n\u00fc\u015f\u00fcm yat\u0131r\u0131mlar\u0131 i\u00e7in. T\u00fcm bunlar\u0131 \u00fcst \u00fcste toplad\u0131\u011f\u0131m\u0131zda reel sekt\u00f6r\u00fcn hem i\u015fletme sermayesi hem de yeni yat\u0131r\u0131mlar i\u00e7in kredi taleplerini art\u0131rd\u0131klar\u0131 g\u00f6r\u00fcl\u00fcyor.<\/span><\/p>


<\/p>

Ge\u00e7ti\u011fimiz g\u00fcnlerde Hazine ve Maliye Bakan\u0131 Nureddin Nebati, Cumhuriyet tarihinin tek seferde a\u00e7\u0131klanan en b\u00fcy\u00fck kredi ve kefalet destek paketini a\u00e7\u0131klad\u0131. Paket, \u00f6zellikle reel sekt\u00f6r\u00fcn finansmana eri\u015fim problemlerini hedef odakl\u0131 bi\u00e7imde \u00e7\u00f6zmeyi hedefliyor. Bir taraftan da bu kredilerin ama\u00e7 d\u0131\u015f\u0131 kullan\u0131larak enflasyonu ve d\u00f6viz kurlar\u0131n\u0131 azd\u0131r\u0131c\u0131 bir etki olu\u015fmas\u0131 istenmiyor. Bu y\u00fczden kredi paketindeki \u015fartlar titizlikle belirlenmi\u015f. E\u011fer bu \u015fartlar\u0131n takibi s\u0131k\u0131 bi\u00e7imde yap\u0131l\u0131rsa, bu kredi paketinin enflasyon \u00fczerindeki etkisi s\u0131n\u0131rl\u0131 olurken, reel sekt\u00f6r\u00fcn m\u00fczmin krediye eri\u015fim sorununun azalmas\u0131na hat\u0131r\u0131 say\u0131l\u0131r katk\u0131s\u0131 olur. Kredi geni\u015flemesinde kontrol\u00fcn korunmas\u0131 ve kredi da\u011f\u0131l\u0131m\u0131nda hedef odakl\u0131 ilerlenmesi makroekonomik dengeden \u00f6d\u00fcn vermeden sa\u011fl\u0131kl\u0131 b\u00fcy\u00fcyebilmek i\u00e7in son derece \u00f6nemli. \u00a0<\/span><\/p>","slug":"secici-ve-hedef-odakli-kredi-paketi","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":1241,"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":36742,"is_featured":0,"is_amp":0,"is_ads":0,"ads_link":null,"post_id":36616,"locale":"tr","category_id":73,"title":"Se\u00e7ici ve hedef odakl\u0131 kredi paketi","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":"

PROF. DR. NURULLAH G\u00dcR<\/span><\/strong><\/p>

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

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

Ge\u00e7ti\u011fimiz y\u0131l k\u00fcresel trendin aksine T\u00fcrkiye\u2019de faiz oranlar\u0131 gerilemi\u015fti. Merkez Bankas\u0131\u2019n\u0131n hamleleriyle faiz oranlar\u0131 a\u015fa\u011f\u0131ya inse de krediye eri\u015fim noktas\u0131nda reel sekt\u00f6r\u00fcn zaman zaman s\u0131k\u0131nt\u0131 ya\u015fad\u0131\u011f\u0131na \u015fahit olduk. Negatif reel faiz d\u00f6neminde krediye eri\u015fimde baz\u0131 noktalar\u0131n t\u0131kanmas\u0131 asl\u0131nda ekonomi y\u00f6netiminin bilin\u00e7li bir \u015fekilde kulland\u0131\u011f\u0131 bir y\u00f6ntemdi. A\u015f\u0131r\u0131 kredi geni\u015flemesinin enflasyonu k\u00f6r\u00fcklemesi ve TL kredilerin d\u00f6vize y\u00f6nelmesi istenmiyordu. Bu y\u00fczden kredilerde olduk\u00e7a se\u00e7ici bir da\u011f\u0131l\u0131m h\u00fck\u00fcm s\u00fcrd\u00fc.<\/span><\/p>


<\/p>

Ge\u00e7ti\u011fimiz y\u0131l\u0131n kas\u0131m ay\u0131nda bu k\u00f6\u015fede kaleme ald\u0131\u011f\u0131m bir yaz\u0131da, krediye eri\u015fimin yeni y\u0131lla birlikte biraz daha rahatlayabilece\u011fine dikkat \u00e7ekmi\u015ftim. Bunun da gerek\u00e7esi olarak, ekonomi y\u00f6netiminin enflasyonda d\u00fc\u015f\u00fc\u015f trendi ba\u015flad\u0131ktan sonra kredi piyasas\u0131n\u0131 gev\u015fetmek isteyece\u011fi tezini \u00f6ne s\u00fcrm\u00fc\u015ft\u00fcm. Piyasalar\u0131n da bekledi\u011fi gibi kredi kanallar\u0131 y\u0131l\u0131n ilk g\u00fcnlerinden itibaren kontroll\u00fc bir \u015fekilde a\u00e7\u0131lmaya ba\u015flad\u0131.<\/span><\/p>


<\/p>

REEL SEKT\u00d6R\u00dcN ARTAN \u0130HT\u0130YA\u00c7LARI<\/span><\/strong><\/p>


<\/p>

Reel sekt\u00f6r\u00fcn bu geni\u015flemeye ihtiyac\u0131 var. Neden? Bir\u00e7ok emtia ve ara mal\u0131n\u0131n fiyatlar\u0131 dolar baz\u0131nda son 10 y\u0131l\u0131n ortalama de\u011ferlerinin olduk\u00e7a \u00fczerine \u00e7\u0131kt\u0131. Her ne kadar zirveden geri \u00e7ekilme ya\u015fanm\u0131\u015f olsa da reel sekt\u00f6r\u00fcn kar\u015f\u0131la\u015ft\u0131\u011f\u0131 maliyet art\u0131\u015f\u0131 halen y\u00fcksek seviyelerde. Asgari \u00fccrette kayda de\u011fer bir at\u0131\u015f ya\u015fand\u0131. Bu da \u015firketlerin finansmana olan ihtiyac\u0131n\u0131 besliyor. EYT ile emekli olacaklar\u0131n tazminat \u00f6demeleri de cabas\u0131.<\/span><\/p>


<\/p>

\u0130hracata yeni \u0131s\u0131nan KOB\u0130\u2019ler ve ihracat kapasitesini birka\u00e7 kademe yukar\u0131 ta\u015f\u0131may\u0131 hedefleyen \u015firketlerimizin yeni yat\u0131r\u0131mlara ihtiyac\u0131 var. Sadece fiziki yat\u0131r\u0131mlar i\u00e7in de\u011fil, ayn\u0131 zamanda teknoloji ve ye\u015fil d\u00f6n\u00fc\u015f\u00fcm yat\u0131r\u0131mlar\u0131 i\u00e7in. T\u00fcm bunlar\u0131 \u00fcst \u00fcste toplad\u0131\u011f\u0131m\u0131zda reel sekt\u00f6r\u00fcn hem i\u015fletme sermayesi hem de yeni yat\u0131r\u0131mlar i\u00e7in kredi taleplerini art\u0131rd\u0131klar\u0131 g\u00f6r\u00fcl\u00fcyor.<\/span><\/p>


<\/p>

Ge\u00e7ti\u011fimiz g\u00fcnlerde Hazine ve Maliye Bakan\u0131 Nureddin Nebati, Cumhuriyet tarihinin tek seferde a\u00e7\u0131klanan en b\u00fcy\u00fck kredi ve kefalet destek paketini a\u00e7\u0131klad\u0131. Paket, \u00f6zellikle reel sekt\u00f6r\u00fcn finansmana eri\u015fim problemlerini hedef odakl\u0131 bi\u00e7imde \u00e7\u00f6zmeyi hedefliyor. Bir taraftan da bu kredilerin ama\u00e7 d\u0131\u015f\u0131 kullan\u0131larak enflasyonu ve d\u00f6viz kurlar\u0131n\u0131 azd\u0131r\u0131c\u0131 bir etki olu\u015fmas\u0131 istenmiyor. Bu y\u00fczden kredi paketindeki \u015fartlar titizlikle belirlenmi\u015f. E\u011fer bu \u015fartlar\u0131n takibi s\u0131k\u0131 bi\u00e7imde yap\u0131l\u0131rsa, bu kredi paketinin enflasyon \u00fczerindeki etkisi s\u0131n\u0131rl\u0131 olurken, reel sekt\u00f6r\u00fcn m\u00fczmin krediye eri\u015fim sorununun azalmas\u0131na hat\u0131r\u0131 say\u0131l\u0131r katk\u0131s\u0131 olur. Kredi geni\u015flemesinde kontrol\u00fcn korunmas\u0131 ve kredi da\u011f\u0131l\u0131m\u0131nda hedef odakl\u0131 ilerlenmesi makroekonomik dengeden \u00f6d\u00fcn vermeden sa\u011fl\u0131kl\u0131 b\u00fcy\u00fcyebilmek i\u00e7in son derece \u00f6nemli. \u00a0<\/span><\/p>","slug":"secici-ve-hedef-odakli-kredi-paketi","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":1241,"yt":0,"ytid":"","ytimage":null,"imgdate":"2000-01-01 00:00:00","cuff_cover":null,"cropped_358x214":null,"cropped_842x474":null}]}}