{"id":71092,"date":"2023-01-21T13:21:02","date_gmt":"2023-01-21T10:21:02","guid":{"rendered":"http:\/\/www.korhanyilmaz.com\/?p=71092"},"modified":"2023-01-21T23:11:05","modified_gmt":"2023-01-21T20:11:05","slug":"faizler-arasinda-tarihi-fark","status":"publish","type":"post","link":"http:\/\/www.korhanyilmaz.com\/?p=71092","title":{"rendered":"Faizler aras\u0131nda tarihi fark"},"content":{"rendered":"

\"\"<\/a><\/p>\n

Ge\u00e7mi\u015fte ticari kredi faizlerinin alt\u0131nda kalan mevduat faizleri, Merkez Bankas\u0131’n\u0131n ad\u0131mlar\u0131yla ticari kredi faizlerinin 11 puan \u00fczerine \u00e7\u0131kt\u0131. Uzmanlar, bu anormal durumun ancak se\u00e7ime kadar devam ettirilebilece\u011fine i\u015faret ediyor.<\/p>\n

Merkez Bankas\u0131 (TCMB) \u00f6nceki g\u00fcn politika faizini y\u00fczde 9\u2019da sabit b\u0131rakt\u0131 ancak bankac\u0131l\u0131k sekt\u00f6r\u00fcnde faizlerde daha \u00f6nce g\u00f6r\u00fclmemi\u015f bir tablo var.<\/p>\n

Faiz indirimleriyle enflasyonda tarihi y\u00fckseli\u015fe neden olan TCMB, uygulad\u0131\u011f\u0131 makroihtiyati tedbirlerle birlikte kredi ve mevduat faizleri aras\u0131ndaki makas\u0131 da de\u011fi\u015ftirdi.<\/p>\n

MEVDUAT FA\u0130Z\u0130 11 PUAN YUKARIDA<\/strong><\/p>\n

13 Aral\u0131k haftas\u0131 itibar\u0131yla ortalama ticari kredi faizleri y\u00fczde 13,02\u2019ye gerilerken, 3 aya kadar vadeli TL mevduat\u0131n ortalama faizi y\u00fczde 24,2 puan seviyesine ula\u015ft\u0131.<\/p>\n

\u0130stisna durumlar haricinde ge\u00e7mi\u015fte hep ticari kredi faizlerinin alt\u0131nda kalan mevduat faizi, \u015fu an ticari kredi faizinin 11 puan \u00fczerinde bulunuyor.<\/p>\n

Bankac\u0131l\u0131k uzmanlar\u0131, bu durumun bir anomali ve s\u00fcrd\u00fcr\u00fclemez oldu\u011funu,\u00a0se\u00e7im\u00a0sonras\u0131nda normalle\u015fme ad\u0131mlar\u0131 at\u0131lmas\u0131 gerekece\u011fini belirtiyor.<\/p>\n

Ge\u00e7mi\u015fte TCMB\u2019nin politika faizi indirimlerinin k\u0131sa bir s\u00fcre sonra bankalar\u0131n mevduat faizlerinde de indirimi beraberinde getirdi\u011fini hat\u0131rlatan uzmanlar, son d\u00f6nemde TCMB faiz indirirken TL mevduat faizlerinin tam ters y\u00f6nde hareket etti\u011fine i\u015faret ediyor.<\/p>\n

\"\"<\/a><\/p>\n

MEVDUAT FA\u0130ZLER\u0130 NEDEN ARTTI?<\/strong><\/p>\n

TL mevduat faizlerinin son aylarda artmas\u0131nda en \u00f6nemli fakt\u00f6r, TCMB\u2019nin ald\u0131\u011f\u0131 makroihtiyati tedbirler oldu.<\/p>\n

Buna g\u00f6re, e\u011fer bir bankan\u0131n toplam mevduat\u0131 i\u00e7inde TL pay\u0131 y\u00fczde 50\u2019nin alt\u0131ndaysa, d\u00f6viz mevduat\u0131 i\u00e7in TCMB\u2019de tesis etti\u011fi zorunlu kar\u015f\u0131l\u0131\u011f\u0131n y\u00fczde 8\u2019i kadar komisyon \u00f6d\u00fcyor.<\/p>\n

Bankan\u0131n TCMB\u2019ye \u00f6dedi\u011fi komisyon oran\u0131, TL mevduat oran\u0131 y\u00fczde 50-60 aral\u0131\u011f\u0131nda ise y\u00fczde 3 seviyesinde bulunuyor. Komisyon \u00f6dememek i\u00e7in bankadaki TL mevduat oran\u0131n\u0131n y\u00fczde 60\u2019\u0131n \u00fczerinde olmas\u0131 gerekiyor.<\/p>\n

Bu nedenle bankalar, son aylarda TL mevduat faizlerini y\u00fckselttiler. Ortalada y\u00fczde 24 olan 3 ay vadeli mevduat faizi, baz\u0131 \u00f6rneklerde y\u00fczde 30\u2019u a\u015f\u0131yor.<\/p>\n

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Son olarak TCMB, bu hafta ba\u015f\u0131nda \u00fc\u00e7 ay \u00fczeri TL mevduatta ve y\u0131l sonuna kadar yurt d\u0131\u015f\u0131ndan temin edilen alt\u0131 aydan uzun yabanc\u0131 para y\u00fck\u00fcml\u00fcl\u00fcklerdeki zorunlu kar\u015f\u0131l\u0131k oran\u0131n\u0131 s\u0131f\u0131rlad\u0131. Bu da mevduat faizlerinde yeni y\u00fckseli\u015fleri beraberinde getirdi.<\/div>\n<\/div>\n<\/div>\n<\/div>\n

\u00d6te yandan, y\u00fczde 30\u2019lar\u0131n \u00fczerine \u00e7\u0131ksa da mevduat faizi, y\u00fczde 64,27 oran\u0131ndaki resmi enflasyonun \u00e7ok alt\u0131nda bulunuyor.<\/p>\n

T\u0130CAR\u0130 KRED\u0130 FA\u0130ZLER\u0130 NEDEN D\u00dc\u015eT\u00dc?<\/strong><\/p>\n

Politika faizi indirimlerine ra\u011fmen yaz aylar\u0131nda y\u00fczde 50\u2019ye ula\u015fan ticari kredi faizlerine TCMB\u2019den m\u00fcdahale gelmi\u015fti.<\/p>\n

20 A\u011fustos 2022 tarihli d\u00fczenleme ile bankalar, TL ticari kredilerde TCMB taraf\u0131ndan belirlenen ve son olarak y\u00fczde 10,31 olan referans faiz oran\u0131n\u0131n 1,4 kat\u0131n\u0131n \u00fczerinde faiz oran\u0131yla kulland\u0131r\u0131lacak kredi tutar\u0131n\u0131n y\u00fczde 20’si oran\u0131nda menkul k\u0131ymet tesisi yapmak zorunda. Ticari kredi faizi, referans faiz oran\u0131n\u0131n 1,8 kat\u0131ndan y\u00fcksek olursa, bankan\u0131n menkul k\u0131ymet tesis zorunlulu\u011fu kredinin y\u00fczde 90\u2019\u0131na y\u00fckseliyor.<\/p>\n

Bu nedenle bankalar, ticari kredi faizlerini y\u00fczde 14,4\u2019\u00fcn \u00fczerinde vermeleri durumunda bir t\u00fcr ceza ile kar\u015f\u0131 kar\u015f\u0131ya kal\u0131yor.<\/p>\n

TCMB\u2019nin ihracat\u00e7\u0131 firmalara y\u00fczde 8\u2019e varan oranlarda reeskont kredisi kulland\u0131rd\u0131\u011f\u0131 da d\u00fc\u015f\u00fcn\u00fcld\u00fc\u011f\u00fcnde ortalama ticari kredi faizlerindeki d\u00fc\u015f\u00fc\u015f\u00fcn nedenleri ortaya \u00e7\u0131k\u0131yor.<\/p>\n

\u2018EN FAZLA SE\u00c7\u0130ME KADAR G\u0130DEB\u0130L\u0130R\u2019<\/strong><\/p>\n

Ziraat Bankas\u0131\u00a0eski Genel M\u00fcd\u00fcr Yard\u0131mc\u0131s\u0131 Prof. Dr. \u015eenol Babu\u015fcu, mevduat faizinin ticari kredi faizinin 11 puan \u00fczerinde olmas\u0131n\u0131n s\u00fcrd\u00fcr\u00fclebilir olmad\u0131\u011f\u0131n\u0131, bunun en fazla se\u00e7ime kadar devam ettirilebilece\u011fini dile getirdi.<\/p>\n

Bireysel kredilerde faizlerin y\u00fczde 30\u2019larda oldu\u011funa i\u015faret eden Babu\u015f\u00e7u, d\u00fc\u015f\u00fck ticari kredi faizleriyle \u015firketlerin korundu\u011funu, rant aktar\u0131m\u0131 yap\u0131ld\u0131\u011f\u0131n\u0131 s\u00f6yledi.<\/p>\n

TCMB verilerine g\u00f6re 13 Ocak haftas\u0131nda ortalama\u00a0ihtiya\u00e7 kredisi\u00a0faizi y\u00fczde 30 seviyesinde bulunuyor.<\/p>\n

\u201cFaiz ve kur ba\u015fta olmak \u00fczere her \u015feyi m\u00fcdahale ile belirlerseniz bu bir yerde patlar\u201d diyen Babu\u015f\u00e7u, banka bilan\u00e7olar\u0131 i\u00e7in de mevcut mevduat faizi ile ticari kredi faizi makas\u0131n\u0131n s\u00fcrd\u00fcr\u00fclebilir olmad\u0131\u011f\u0131n\u0131 vurgulad\u0131.<\/p>\n

Kaynak : Emre DEVEC\u0130 – sozcu.com.tr<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<\/p>\n

Ge\u00e7mi\u015fte ticari kredi faizlerinin alt\u0131nda kalan mevduat faizleri, Merkez Bankas\u0131’n\u0131n ad\u0131mlar\u0131yla ticari kredi faizlerinin 11 puan \u00fczerine \u00e7\u0131kt\u0131. Uzmanlar, bu anormal durumun ancak se\u00e7ime kadar devam ettirilebilece\u011fine i\u015faret ediyor.<\/p>\n

Merkez Bankas\u0131 (TCMB) \u00f6nceki g\u00fcn politika faizini y\u00fczde 9\u2019da sabit b\u0131rakt\u0131 ancak bankac\u0131l\u0131k sekt\u00f6r\u00fcnde faizlerde daha \u00f6nce g\u00f6r\u00fclmemi\u015f bir tablo <\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7,105],"tags":[6799,6802,6798,6800,6801,6797,6309],"class_list":["post-71092","post","type-post","status-publish","format-standard","hentry","category-ekonomi","category-gundem","tag-makroihtiyati-tedbirler","tag-mevcut-mevduat-faizi-ile-ticari-kredi-faizi-makasinin-surdurulebilir-olmadigi","tag-mevduat-faizleri","tag-prof-dr-senol-babuscu","tag-rant-aktarimi","tag-ticari-kredi-faizleri","tag-turkiye-cumhuriyet-merkez-bankasi-tcmb","odd"],"_links":{"self":[{"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/posts\/71092","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=71092"}],"version-history":[{"count":0,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/posts\/71092\/revisions"}],"wp:attachment":[{"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=71092"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=71092"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=71092"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}