{"id":51178,"date":"2022-08-01T12:20:03","date_gmt":"2022-08-01T12:20:03","guid":{"rendered":"https:\/\/blog.coinmuhendisi.com\/?p=51178"},"modified":"2022-08-01T12:20:03","modified_gmt":"2022-08-01T12:20:03","slug":"tcmb-baskani-almayin-diyor-ama-hicbir-banka-yuzde-20lerle-kredi-vermiyor","status":"publish","type":"post","link":"https:\/\/coinmuhendisi.com\/blog\/tcmb-baskani-almayin-diyor-ama-hicbir-banka-yuzde-20lerle-kredi-vermiyor\/","title":{"rendered":"&#8220;TCMB Ba\u015fkan\u0131 almay\u0131n diyor ama hi\u00e7bir banka y\u00fczde 20&#8217;lerle kredi vermiyor&#8221;"},"content":{"rendered":"<p>Sanayinin farkl\u0131 kesimlerinden T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 Ba\u015fkan\u0131 \u015eahap Kavc\u0131o\u011flu&#8217;nun ithamlar\u0131na y\u00f6nelik tepkiler gelmeye devam ediyor.<\/p>\n<p>Bloomberg HT yay\u0131n\u0131na kat\u0131lan \u015eeref Fayat, finansmana eri\u015fim maliyetinin y\u00fcksek oldu\u011funu, bankalar\u0131n y\u00fczde 20 seviyelerinde kredi kulland\u0131rmad\u0131\u011f\u0131n\u0131 s\u00f6yledi.<\/p>\n<p>Fayat, TCMB Ba\u015fkan\u0131 Kavc\u0131o\u011flu&#8217;nun i\u015f d\u00fcnyas\u0131nda tepki yaratan a\u00e7\u0131klamalar\u0131na ili\u015fkin yay\u0131nda \u015fu ifadeleri kulland\u0131:<\/p>\n<p>Say\u0131n Kavc\u0131o\u011flu&#8217;nun iki ele\u015ftirisine de kat\u0131lmad\u0131\u011f\u0131m\u0131 s\u00f6ylemek isterim. Hi\u00e7bir sanayici stok yapmak istemez. \u00c7\u00fcnk\u00fc stok yapmak \u00e7ok maliyetlidir. Sanayiciler &#8216;Ke\u015fke \u00fcr\u00fcnler gelse de ak\u0131\u015f halinde s\u00fcrekli \u00fcretim yapabilsek&#8217; diyor. Bunun m\u00fcmk\u00fcn olmad\u0131\u011f\u0131 zamanlar oluyor. \u00d6zellikle tedarik zincirindeki problemler, sanayicileri mecburen \u00fcretim devam edebilsin diye enflasyondan korunmak ve \u00fcretime devam etmek i\u00e7in stok yapmak zorunda b\u0131rak\u0131yor. Bir stok\u00e7uluk su\u00e7u olsa olsa toptanc\u0131larda olabilir. Onlar\u0131n \u00fczerine gidilmeli.<\/p>\n<p><b><strong>Finansmana ula\u015f\u0131m maliyeti \u00e7ok y\u00fcksek<\/strong><\/b><\/p>\n<p>Say\u0131n Kavc\u0131o\u011flu y\u00fcksek faizle kredi almay\u0131n diyor. Ancak finansmana ula\u015f\u0131m maliyeti \u00e7ok y\u00fcksek.<\/p>\n<p>Hi\u00e7bir banka y\u00fczde 20 seviyelerinde kredi vermiyor. Bilan\u00e7onuza g\u00f6re %30-50 aras\u0131nda oranlar talep ediliyor. Bunu da nakit ak\u0131\u015f\u0131nda s\u0131k\u0131nt\u0131 ya\u015fayan firmalar\u0131n kullanmas\u0131 gerekiyor.<\/p>\n<p>Konu sadece bununla s\u0131n\u0131rl\u0131 de\u011fil. En \u00f6nemli ula\u015f\u0131lamayan kredi bence \u00f6zellikle ihracat\u00e7\u0131lar a\u00e7\u0131s\u0131ndan sevk sonras\u0131 reeskont kredileridir. Uzun y\u0131llard\u0131r \u00e7ok iyi i\u015fleyen bir mekanizmaya sahipti. Biz 2-3 ay vadesi olan alaca\u011f\u0131m\u0131z\u0131 Eximbank&#8217;tan iskonto ederek tahsil ederdik ve bunun da faizi \u00e7ok d\u00fc\u015f\u00fckt\u00fc.<\/p>\n<div><\/div>\n<\/p>\n<p>O para bize TL yollan\u0131rd\u0131. Diyelim 100 bin euro ald\u0131n\u0131z, kar\u015f\u0131l\u0131\u011f\u0131 TL gelirdi, do\u011fal bir sistemdi. Mecburen D\u00f6viz bor\u00e7lan\u0131rd\u0131k d\u00f6viz \u00f6derdik. Ortaya fazladan bir TL \u00e7\u0131kmazd\u0131. Bunu alamayan sanayici TL reeskont kredilerine ba\u015fvuruyordu. Zaten onlar da fatura ile \u00f6deniyordu.<\/p>\n<p>San\u0131r\u0131m TCMB Ba\u015fkan\u0131&#8217;n\u0131n iletti\u011fi konu daha \u00f6nceki TL reeskont kredilerinin bankalar taraf\u0131ndan denetlenmemesinden kaynaklan\u0131yor olabilir. San\u0131r\u0131m orda suistimaller yap\u0131lm\u0131\u015f. Say\u0131n Kavc\u0131o\u011flu bunu yapanlar\u0131 da biliyoruz diyor. O firmalara kredi verilmeyebilir, bunlar engellenebilir.<\/p>\n<p><b><strong>D\u00f6vize eri\u015fim \u00e7ok zor<\/strong><\/b><\/p>\n<p>Sanayicilerin i\u015fi d\u00f6viz biriktirmek de\u011fildir. Biz i\u015fimizi m\u00fcmk\u00fcn oldu\u011fu kadar minimum stok ve minimum sermaye ile d\u00f6nd\u00fcrmeye \u00e7al\u0131\u015f\u0131r\u0131z. \u00c7\u00fcnk\u00fc en b\u00fcy\u00fck s\u0131k\u0131nt\u0131 i\u015fletme sermayesini \u00e7evirebilmektir.<\/p>\n<p>Bildi\u011finiz gibi \u00f6zellikle son d\u00f6nemde hammadde TL baz\u0131nda en az \u00fc\u00e7e katlam\u0131\u015f durumda. \u0130\u015fletmeciler \u015fu an bu i\u015fletme maliyetleri ile ekstra bir stok yapmak istemeyecektir.<\/p>\n<p>D\u00f6viz eri\u015fimi \u00e7ok zor, \u015fu an e\u011fer d\u00f6viz kredisi kullanmak isterse bir sanayici, y\u00fczde 12&#8217;ler gibi bir faiz \u00f6demek zorunda.<\/p>\n<p>Hi\u00e7bir sanayici d\u00f6viz riskini y\u00fczde 12-13 ile portf\u00f6y\u00fcne almak istemez, zaten onun i\u00e7in \u00f6zellikle d\u00f6viz reeskont kredilerine ihtiyac\u0131m\u0131z var.<\/p>\n<p>Dolay\u0131s\u0131yla sanayici uygun faiz ile d\u00f6viz finansmana ula\u015fabilirse zaten TL reeskont kredisine de ihtiya\u00e7 olmaz, b\u00f6ylece sorgulanmas\u0131na da gerek kalmaz.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Sanayinin farkl\u0131 kesimlerinden T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 Ba\u015fkan\u0131 \u015eahap Kavc\u0131o\u011flu&#8217;nun ithamlar\u0131na y\u00f6nelik tepkiler gelmeye devam ediyor &#8230;<\/p>\n","protected":false},"author":1,"featured_media":51179,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[4022],"class_list":["post-51178","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-sanayici"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.8 (Yoast SEO v27.4) - 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