<\/p>
gurlesel@superonline.com<\/span><\/strong><\/p> \u00a0<\/span><\/p> Se\u00e7imler sonras\u0131nda ekonomide rasyonel zemine d\u00f6n\u00fc\u015f politikalar\u0131 uygulanmaya ba\u015flad\u0131. Bu \u00e7er\u00e7evede Merkez Bankas\u0131 para politikas\u0131nda kademeli bir s\u0131k\u0131la\u015ft\u0131rma ba\u015flad\u0131. Merkez Bankas\u0131\u2019n\u0131n kademeli s\u0131k\u0131la\u015ft\u0131rma politikas\u0131 do\u011fal olarak reel sekt\u00f6r\u00fc ve i\u015fleri etkileyecek.<\/span><\/p> \u00a0<\/span><\/strong><\/p> 1. Kredi b\u00fcy\u00fcmesinde s\u0131n\u0131rlama ve finansmana eri\u015fim\u00a0<\/span><\/strong><\/p> \u00a0<\/span><\/p> Ekonomide rasyonel zemine geri d\u00f6n\u00fc\u015f ad\u0131mlar\u0131 at\u0131l\u0131rken reel sekt\u00f6r\u00fcn krediye eri\u015fimi en b\u00fcy\u00fck s\u0131k\u0131nt\u0131 olmaya devam ediyor. Bankalar mevduat ve kredi faizlerinde normalle\u015fmenin tamamlanmas\u0131n\u0131 bekledikleri i\u00e7in kredi verme i\u015ftahlar\u0131 olduk\u00e7a d\u00fc\u015f\u00fck. T. C. Merkez Bankas\u0131, TL ticari kredilerin b\u00fcy\u00fcmesi konusunda da s\u0131n\u0131rlama getirdi. Buna g\u00f6re kredi b\u00fcy\u00fcmesine g\u00f6re menkul k\u0131ymet tesisi kapsam\u0131nda TL ticari krediler i\u00e7in ayl\u0131k y\u00fczde 2.5 b\u00fcy\u00fcme s\u0131n\u0131r\u0131 getirildi. \u0130hracat, yat\u0131r\u0131m, tar\u0131m ve esnaf kredileri bu s\u0131n\u0131rland\u0131rman\u0131n d\u0131\u015f\u0131nda tutuldu. Kredi b\u00fcy\u00fcmesinin s\u0131n\u0131rlanmas\u0131, sanayi ve ticaret kesiminin krediye eri\u015fimini s\u0131k\u0131\u015ft\u0131racak.\u00a0<\/span>Bu nedenle yurti\u00e7ine d\u00f6n\u00fck faaliyet g\u00f6steren i\u015fletmeler finansman y\u00f6netimine dikkat etmeli.<\/span><\/p> \u00a0<\/span><\/p> 2. TL ticari kredi faizlerin merkez bankas\u0131 referans faiz oran\u0131na olan ba\u011f\u0131ml\u0131l\u0131\u011f\u0131 korunuyor\u00a0<\/span><\/strong><\/p> \u00a0<\/span><\/p> Lirala\u015fma politikas\u0131 d\u00f6neminde bankalar\u0131n TL ticari kredi faiz oranlar\u0131 s\u0131n\u0131rlanm\u0131\u015ft\u0131. TL ticari kredi faiz oranlar\u0131nda sunulacak en y\u00fcksek faiz, Merkez Bankas\u0131\u2019n\u0131n referans faiz oran\u0131n\u0131n 1.4 ve 1.8 kat\u0131 ile s\u0131n\u0131rlanm\u0131\u015ft\u0131. E\u011fer bu s\u0131n\u0131rlar a\u015f\u0131l\u0131rsa bankalar ilave menkul k\u0131ymet tesis etmek zorunda kal\u0131yordu. Merkez Bankas\u0131, bu s\u0131n\u0131rlamaya devam ediyor. Ancak 1.4 kat\u0131 s\u0131n\u0131rlamas\u0131n\u0131 kald\u0131rd\u0131. Sadece 1.8 kat\u0131 a\u015f\u0131lamayacak, a\u015f\u0131lmas\u0131 halinde ilave menkul k\u0131ymet tesis edilecek. Merkez Bankas\u0131\u2019n\u0131n en son politika faizi y\u00fczde 17.5 ve referans faiz oran\u0131 ise y\u00fczde 19.0\u2019dur. Bankalar i\u00e7in azami TL ticari kredi faiz oran\u0131 s\u0131n\u0131r\u0131 da y\u00fczde 34.2\u2019ye y\u00fckseldi. TL kredi faiz oranlar\u0131nda b\u00f6ylece normalle\u015fme sa\u011flanmaya ba\u015fla-nacak. Bankalar mevduat faiz oranlar\u0131n\u0131 da y\u00fczde 30\u2019lara yakla\u015ft\u0131r\u0131yor. B\u00f6ylece kredi faiz oranlar\u0131 mevduat faizlerinin \u00fczerine \u00e7\u0131km\u0131\u015f olacak. Faiz oranlar\u0131ndaki normalle\u015fme, bankalar\u0131n kredi verme i\u015ftah\u0131n\u0131 art\u0131racak. \u00a0 \u00a0\u00a0<\/span><\/p> \u00a0<\/span><\/strong><\/p> 3. T\u00fcketici kredilerinde b\u00fcy\u00fcme h\u0131z\u0131 indirildi, kredi kart\u0131 faiz oranlar\u0131 artt\u0131<\/span><\/strong><\/p> \u00a0<\/span><\/p> Finansal kaynaklar\u0131n verimli kullan\u0131m\u0131n\u0131n desteklenmesi amac\u0131yla ta\u015f\u0131t kredilerinde y\u00fczde 3 olan b\u00fcy\u00fcme s\u0131n\u0131r\u0131 y\u00fczde 2 olarak belirlendi. \u0130htiya\u00e7 kredilerinde de\u011fi\u015fikli\u011fe gidilmeyerek y\u00fczde 3 s\u0131n\u0131r\u0131 korundu.\u00a0<\/span><\/p> \u00a0<\/span><\/p> Ayr\u0131ca, enflasyonun kontrol\u00fc ve i\u00e7 talebin dengelenmesi kapsam\u0131nda kredi kart\u0131 nakit kullan\u0131mlar\u0131na ve kredili mevduat hesaplar\u0131na uygulanan ayl\u0131k azami faiz oran\u0131 y\u00fczde 2.89\u2019a y\u00fckseltildi. Bu uygulamalar, t\u00fcketim taraf\u0131nda yava\u015flamaya yol a\u00e7acak. Enflasyon ve cari a\u00e7\u0131\u011f\u0131n kontrol\u00fcne de destek verecek. \u00a0<\/span><\/p> \u00a0<\/span><\/strong><\/p> 4. \u0130hracat kredileri ve ihracat \u00f6zendiriliyor<\/span><\/strong><\/p> \u00a0<\/span><\/p> \u0130hracat ve yat\u0131r\u0131m kredileri ile deprem b\u00f6lgesine y\u00f6nelik krediler, Merkez Bankas\u0131\u2019n\u0131n kredileri s\u0131n\u0131rland\u0131r\u0131c\u0131 t\u00fcm tedbirlerinin d\u0131\u015f\u0131nda tutulacak. Yan\u0131 s\u0131ra, ihracat\u00e7\u0131lar\u0131n finansmana eri\u015fimini desteklemek amac\u0131yla a\u015fa\u011f\u0131daki kararlar al\u0131nd\u0131: Reeskont kredilerinin g\u00fcnl\u00fck\u00a0<\/span><\/p> \u00a0<\/span><\/p> limiti 1.5 milyar TL\u2019ye y\u00fckseltildi, reeskont kredilerinde KOB\u0130 pay\u0131n\u0131n art\u0131r\u0131lmas\u0131na ve kulland\u0131r\u0131mlarda ihracat art\u0131\u015f performans\u0131n\u0131n dikkate al\u0131nmas\u0131na karar verildi. Sadele\u015fme s\u00fcreci kapsam\u0131nda reeskont kredilerine eri\u015fim \u015fartlar\u0131 kolayla\u015ft\u0131r\u0131ld\u0131. Reeskont kredisi kullan\u0131m\u0131nda y\u00fczde 30 ilave ihracat bedeli sat\u0131\u015f ko\u015fulu kald\u0131r\u0131ld\u0131. Reeskont kredi vadesi boyunca verilen d\u00f6viz almama taahh\u00fcd\u00fcnden, ithalat \u00f6demeleri kapsam\u0131ndaki d\u00f6viz al\u0131mlar\u0131 istisna tutuldu. \u0130hracata d\u00f6n\u00fck faaliyetlerde finansmana eri\u015fim kolayla\u015f\u0131rken, k\u0131s\u0131tlay\u0131c\u0131 d\u00fczenlemeler de azalt\u0131l\u0131yor. B\u00f6ylece ihracat \u00f6zendiriliyor.\u00a0<\/span><\/p> \u00a0<\/span><\/strong><\/p> 5. Kur korumal\u0131 mevduatlar\u0131n kendili\u011finden tasfiyesi hedefleniyor<\/span><\/strong><\/p> \u00a0<\/span><\/p> Reel sekt\u00f6r\u00fcn finansman y\u00f6netiminde son 1.5 y\u0131l\u0131n en yeni finansal arac\u0131 kur korumal\u0131 mevduat oldu. Kur korumal\u0131 mevduatlar devam ediyor. Ancak muhtemelen sonbahardan itibaren yeni KKM a\u00e7\u0131lmas\u0131na son verilecek. Mevcutlar\u0131n da kur korumas\u0131z mevduatlara ge\u00e7i\u015fi i\u00e7in \u00e7e\u015fitli d\u00fczenlemeler yap\u0131l\u0131yor. Kur korumal\u0131 mevduatlara y\u00fczde 15 kar\u015f\u0131l\u0131k uygulanmas\u0131 bunlardan biridir. Bankalar kar\u015f\u0131l\u0131k olarak Merkez Bankas\u0131\u2019na 445 milyar TL devredecek. Bu da piyasada TL\u2019nin azalmas\u0131 ve \u015firketler ile bireylerin nakit ak\u0131mlar\u0131n\u0131n s\u0131k\u0131\u015fmas\u0131 anlam\u0131na gelecek.\u00a0<\/span><\/p> \u00a0<\/span><\/p> Son S\u00f6z:<\/span><\/strong>\u00a0\u0130\u015fletmeler olarak rasyonel zemine d\u00f6n\u00fc\u015f ad\u0131mlar\u0131n\u0131 yak\u0131ndan izlemeli, talep, finansman ve nakit y\u00f6netimine azami \u00f6zen g\u00f6stermeliyiz.<\/span><\/p>","slug":"merkez-bankasi-sikilastirma-politikasi-ve-islerimiz","tags":null,"meta_title":null,"meta_description":null,"meta_keywords":null,"news_cover_min":"\/front\/uploads\/blog\/thumbnail\/1690750800xrr0ozJzDmPvh3q.webp","news_cover":null,"news_video_min":null,"news_video":null,"view_count":1593,"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":42159,"is_featured":0,"is_amp":0,"is_ads":0,"ads_link":null,"post_id":42033,"locale":"tr","category_id":73,"title":"Merkez bankas\u0131 s\u0131k\u0131la\u015ft\u0131rma politikas\u0131 ve i\u015flerimiz","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":"DR. CAN G\u00dcRLESEL","content":" gurlesel@superonline.com<\/span><\/strong><\/p> \u00a0<\/span><\/p> Se\u00e7imler sonras\u0131nda ekonomide rasyonel zemine d\u00f6n\u00fc\u015f politikalar\u0131 uygulanmaya ba\u015flad\u0131. Bu \u00e7er\u00e7evede Merkez Bankas\u0131 para politikas\u0131nda kademeli bir s\u0131k\u0131la\u015ft\u0131rma ba\u015flad\u0131. Merkez Bankas\u0131\u2019n\u0131n kademeli s\u0131k\u0131la\u015ft\u0131rma politikas\u0131 do\u011fal olarak reel sekt\u00f6r\u00fc ve i\u015fleri etkileyecek.<\/span><\/p> \u00a0<\/span><\/strong><\/p> 1. Kredi b\u00fcy\u00fcmesinde s\u0131n\u0131rlama ve finansmana eri\u015fim\u00a0<\/span><\/strong><\/p> \u00a0<\/span><\/p> Ekonomide rasyonel zemine geri d\u00f6n\u00fc\u015f ad\u0131mlar\u0131 at\u0131l\u0131rken reel sekt\u00f6r\u00fcn krediye eri\u015fimi en b\u00fcy\u00fck s\u0131k\u0131nt\u0131 olmaya devam ediyor. Bankalar mevduat ve kredi faizlerinde normalle\u015fmenin tamamlanmas\u0131n\u0131 bekledikleri i\u00e7in kredi verme i\u015ftahlar\u0131 olduk\u00e7a d\u00fc\u015f\u00fck. T. C. Merkez Bankas\u0131, TL ticari kredilerin b\u00fcy\u00fcmesi konusunda da s\u0131n\u0131rlama getirdi. Buna g\u00f6re kredi b\u00fcy\u00fcmesine g\u00f6re menkul k\u0131ymet tesisi kapsam\u0131nda TL ticari krediler i\u00e7in ayl\u0131k y\u00fczde 2.5 b\u00fcy\u00fcme s\u0131n\u0131r\u0131 getirildi. \u0130hracat, yat\u0131r\u0131m, tar\u0131m ve esnaf kredileri bu s\u0131n\u0131rland\u0131rman\u0131n d\u0131\u015f\u0131nda tutuldu. Kredi b\u00fcy\u00fcmesinin s\u0131n\u0131rlanmas\u0131, sanayi ve ticaret kesiminin krediye eri\u015fimini s\u0131k\u0131\u015ft\u0131racak.\u00a0<\/span>Bu nedenle yurti\u00e7ine d\u00f6n\u00fck faaliyet g\u00f6steren i\u015fletmeler finansman y\u00f6netimine dikkat etmeli.<\/span><\/p> \u00a0<\/span><\/p> 2. TL ticari kredi faizlerin merkez bankas\u0131 referans faiz oran\u0131na olan ba\u011f\u0131ml\u0131l\u0131\u011f\u0131 korunuyor\u00a0<\/span><\/strong><\/p> \u00a0<\/span><\/p> Lirala\u015fma politikas\u0131 d\u00f6neminde bankalar\u0131n TL ticari kredi faiz oranlar\u0131 s\u0131n\u0131rlanm\u0131\u015ft\u0131. TL ticari kredi faiz oranlar\u0131nda sunulacak en y\u00fcksek faiz, Merkez Bankas\u0131\u2019n\u0131n referans faiz oran\u0131n\u0131n 1.4 ve 1.8 kat\u0131 ile s\u0131n\u0131rlanm\u0131\u015ft\u0131. E\u011fer bu s\u0131n\u0131rlar a\u015f\u0131l\u0131rsa bankalar ilave menkul k\u0131ymet tesis etmek zorunda kal\u0131yordu. Merkez Bankas\u0131, bu s\u0131n\u0131rlamaya devam ediyor. Ancak 1.4 kat\u0131 s\u0131n\u0131rlamas\u0131n\u0131 kald\u0131rd\u0131. Sadece 1.8 kat\u0131 a\u015f\u0131lamayacak, a\u015f\u0131lmas\u0131 halinde ilave menkul k\u0131ymet tesis edilecek. Merkez Bankas\u0131\u2019n\u0131n en son politika faizi y\u00fczde 17.5 ve referans faiz oran\u0131 ise y\u00fczde 19.0\u2019dur. Bankalar i\u00e7in azami TL ticari kredi faiz oran\u0131 s\u0131n\u0131r\u0131 da y\u00fczde 34.2\u2019ye y\u00fckseldi. TL kredi faiz oranlar\u0131nda b\u00f6ylece normalle\u015fme sa\u011flanmaya ba\u015fla-nacak. Bankalar mevduat faiz oranlar\u0131n\u0131 da y\u00fczde 30\u2019lara yakla\u015ft\u0131r\u0131yor. B\u00f6ylece kredi faiz oranlar\u0131 mevduat faizlerinin \u00fczerine \u00e7\u0131km\u0131\u015f olacak. Faiz oranlar\u0131ndaki normalle\u015fme, bankalar\u0131n kredi verme i\u015ftah\u0131n\u0131 art\u0131racak. \u00a0 \u00a0\u00a0<\/span><\/p> \u00a0<\/span><\/strong><\/p> 3. T\u00fcketici kredilerinde b\u00fcy\u00fcme h\u0131z\u0131 indirildi, kredi kart\u0131 faiz oranlar\u0131 artt\u0131<\/span><\/strong><\/p> \u00a0<\/span><\/p> Finansal kaynaklar\u0131n verimli kullan\u0131m\u0131n\u0131n desteklenmesi amac\u0131yla ta\u015f\u0131t kredilerinde y\u00fczde 3 olan b\u00fcy\u00fcme s\u0131n\u0131r\u0131 y\u00fczde 2 olarak belirlendi. \u0130htiya\u00e7 kredilerinde de\u011fi\u015fikli\u011fe gidilmeyerek y\u00fczde 3 s\u0131n\u0131r\u0131 korundu.\u00a0<\/span><\/p> \u00a0<\/span><\/p> Ayr\u0131ca, enflasyonun kontrol\u00fc ve i\u00e7 talebin dengelenmesi kapsam\u0131nda kredi kart\u0131 nakit kullan\u0131mlar\u0131na ve kredili mevduat hesaplar\u0131na uygulanan ayl\u0131k azami faiz oran\u0131 y\u00fczde 2.89\u2019a y\u00fckseltildi. Bu uygulamalar, t\u00fcketim taraf\u0131nda yava\u015flamaya yol a\u00e7acak. Enflasyon ve cari a\u00e7\u0131\u011f\u0131n kontrol\u00fcne de destek verecek. \u00a0<\/span><\/p> \u00a0<\/span><\/strong><\/p> 4. \u0130hracat kredileri ve ihracat \u00f6zendiriliyor<\/span><\/strong><\/p> \u00a0<\/span><\/p> \u0130hracat ve yat\u0131r\u0131m kredileri ile deprem b\u00f6lgesine y\u00f6nelik krediler, Merkez Bankas\u0131\u2019n\u0131n kredileri s\u0131n\u0131rland\u0131r\u0131c\u0131 t\u00fcm tedbirlerinin d\u0131\u015f\u0131nda tutulacak. Yan\u0131 s\u0131ra, ihracat\u00e7\u0131lar\u0131n finansmana eri\u015fimini desteklemek amac\u0131yla a\u015fa\u011f\u0131daki kararlar al\u0131nd\u0131: Reeskont kredilerinin g\u00fcnl\u00fck\u00a0<\/span><\/p> \u00a0<\/span><\/p> limiti 1.5 milyar TL\u2019ye y\u00fckseltildi, reeskont kredilerinde KOB\u0130 pay\u0131n\u0131n art\u0131r\u0131lmas\u0131na ve kulland\u0131r\u0131mlarda ihracat art\u0131\u015f performans\u0131n\u0131n dikkate al\u0131nmas\u0131na karar verildi. Sadele\u015fme s\u00fcreci kapsam\u0131nda reeskont kredilerine eri\u015fim \u015fartlar\u0131 kolayla\u015ft\u0131r\u0131ld\u0131. Reeskont kredisi kullan\u0131m\u0131nda y\u00fczde 30 ilave ihracat bedeli sat\u0131\u015f ko\u015fulu kald\u0131r\u0131ld\u0131. Reeskont kredi vadesi boyunca verilen d\u00f6viz almama taahh\u00fcd\u00fcnden, ithalat \u00f6demeleri kapsam\u0131ndaki d\u00f6viz al\u0131mlar\u0131 istisna tutuldu. \u0130hracata d\u00f6n\u00fck faaliyetlerde finansmana eri\u015fim kolayla\u015f\u0131rken, k\u0131s\u0131tlay\u0131c\u0131 d\u00fczenlemeler de azalt\u0131l\u0131yor. B\u00f6ylece ihracat \u00f6zendiriliyor.\u00a0<\/span><\/p> \u00a0<\/span><\/strong><\/p> 5. Kur korumal\u0131 mevduatlar\u0131n kendili\u011finden tasfiyesi hedefleniyor<\/span><\/strong><\/p> \u00a0<\/span><\/p> Reel sekt\u00f6r\u00fcn finansman y\u00f6netiminde son 1.5 y\u0131l\u0131n en yeni finansal arac\u0131 kur korumal\u0131 mevduat oldu. Kur korumal\u0131 mevduatlar devam ediyor. Ancak muhtemelen sonbahardan itibaren yeni KKM a\u00e7\u0131lmas\u0131na son verilecek. Mevcutlar\u0131n da kur korumas\u0131z mevduatlara ge\u00e7i\u015fi i\u00e7in \u00e7e\u015fitli d\u00fczenlemeler yap\u0131l\u0131yor. Kur korumal\u0131 mevduatlara y\u00fczde 15 kar\u015f\u0131l\u0131k uygulanmas\u0131 bunlardan biridir. Bankalar kar\u015f\u0131l\u0131k olarak Merkez Bankas\u0131\u2019na 445 milyar TL devredecek. Bu da piyasada TL\u2019nin azalmas\u0131 ve \u015firketler ile bireylerin nakit ak\u0131mlar\u0131n\u0131n s\u0131k\u0131\u015fmas\u0131 anlam\u0131na gelecek.\u00a0<\/span><\/p> \u00a0<\/span><\/p> Son S\u00f6z:<\/span><\/strong>\u00a0\u0130\u015fletmeler olarak rasyonel zemine d\u00f6n\u00fc\u015f ad\u0131mlar\u0131n\u0131 yak\u0131ndan izlemeli, talep, finansman ve nakit y\u00f6netimine azami \u00f6zen g\u00f6stermeliyiz.<\/span><\/p>","slug":"merkez-bankasi-sikilastirma-politikasi-ve-islerimiz","orjinalimage":"\/front\/uploads\/blog\/thumbnail\/1690750800xrr0ozJzDmPvh3q.webp","news_cover_min":"\/front\/uploads\/blog\/thumbnail\/1690750800xrr0ozJzDmPvh3q.webp","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":1593,"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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