{"id":4106,"date":"2022-08-11T09:08:50","date_gmt":"2022-08-11T06:08:50","guid":{"rendered":"http:\/\/www.batmantb.org.tr\/?p=4106"},"modified":"2022-08-11T09:08:50","modified_gmt":"2022-08-11T06:08:50","slug":"kamu-bankalari-ile-reel-sektor-finansa-erisim-icin-tobbda-bir-araya-geldi-10-08-2022","status":"publish","type":"post","link":"http:\/\/www.batmantb.org.tr\/index.php\/2022\/08\/11\/kamu-bankalari-ile-reel-sektor-finansa-erisim-icin-tobbda-bir-araya-geldi-10-08-2022\/","title":{"rendered":"KAMU BANKALARI \u0130LE REEL SEKT\u00d6R \u2018F\u0130NANSA ER\u0130\u015e\u0130M\u2019 \u0130\u00c7\u0130N TOBB\u2019DA B\u0130R ARAYA GELD\u0130.10-08-2022"},"content":{"rendered":"\n<p>Borsam\u0131z Y\u00f6netim Kurulu Ba\u015fkan\u0131 Arif G\u00dcNE\u015e; TOBB Ba\u015fkan\u0131m\u0131z M.Rifat H\u0130SARCIKLIO\u011eU&#8217;nun  kat\u0131l\u0131m\u0131yla ger\u00e7ekle\u015fen \u201cFinansmana Eri\u015fim \u0130sti\u015fare Toplant\u0131s\u0131\u201dna kat\u0131l\u0131m sa\u011flad\u0131.<\/p>\n\n\n\n<p>Finansmana Eri\u015fim \u0130sti\u015fare Toplant\u0131s\u0131\u2019nda konu\u015fan T\u00fcrkiye Odalar ve Borsalar Birli\u011fi (TOBB) Ba\u015fkan\u0131 M. Rifat Hisarc\u0131kl\u0131o\u011flu, \u201cHepimizin \u00fclkemiz i\u00e7in fedakarca \u00e7al\u0131\u015fmas\u0131 ve buna g\u00f6re hareket etmesi gereken bir d\u00f6nemdeyiz. Bankalar\u0131m\u0131zdan da i\u015fin feda k\u0131sm\u0131n\u0131 reel sekt\u00f6re, kar k\u0131sm\u0131n\u0131 kendilerine ay\u0131rmadan, bu bilin\u00e7le davranmalar\u0131n\u0131 arzu ediyoruz.\u201d dedi.<\/p>\n\n\n\n<p>Finansmana Eri\u015fim \u0130sti\u015fare Toplant\u0131s\u0131, T\u00fcrkiye Odalar ve Borsalar Birli\u011fi (TOBB) Ba\u015fkan\u0131 M. Rifat Hisarc\u0131kl\u0131o\u011flu\u2019nun ev sahipli\u011finde, T\u00fcrkiye Bankalar Birli\u011fi Ba\u015fkan\u0131 ve Ziraat Bankas\u0131 Genel M\u00fcd\u00fcr\u00fc Alpaslan \u00c7akar, Halkbank Genel M\u00fcd\u00fcr\u00fc Osman Arslan, Vak\u0131fbank Genel M\u00fcd\u00fcr\u00fc Abdi Serdar \u00dcst\u00fcnsalih ile Oda ve Borsalar\u0131n Y\u00f6netim Kurulu Ba\u015fkanlar\u0131n\u0131n kat\u0131l\u0131mlar\u0131 ile TOBB \u0130kiz Kuleler Konferans Salonu\u2019nda ba\u015flad\u0131.<\/p>\n\n\n\n<p>Finansmana Eri\u015fim \u0130sti\u015fare Toplant\u0131s\u0131na \u00c7anakkale Ticaret Borsas\u0131n\u0131 temsilen Ba\u015fkan Kaya \u00dczen kat\u0131l\u0131m sa\u011flad\u0131.<\/p>\n\n\n\n<p>Hisarc\u0131kl\u0131o\u011flu, burada yapt\u0131\u011f\u0131 konu\u015fmada, ekonomiyi b\u00fcy\u00fctmeyi devam ettirebilmek i\u00e7in firmalar\u0131n uygun ko\u015fullarla finansmana eri\u015fimlerinin sa\u011flanmas\u0131 gerekti\u011fini belirterek, son d\u00f6nemde bu durumun zorla\u015ft\u0131\u011f\u0131n\u0131, her il ve il\u00e7eden bu y\u00f6nde gelen \u015fik\u00e2yetlerin artt\u0131\u011f\u0131n\u0131 ifade etti.<\/p>\n\n\n\n<p>En b\u00fcy\u00fck s\u0131k\u0131nt\u0131y\u0131 da finansa en \u00e7ok duyarl\u0131 olan, k\u00fc\u00e7\u00fck ve orta \u00f6l\u00e7ekli i\u015fletmelerin ya\u015fad\u0131\u011f\u0131n\u0131 dile getiren Hisarc\u0131kl\u0131o\u011flu, kredi faizlerindeki y\u00fckseli\u015fin yan\u0131 s\u0131ra kredi limitlerinin yetersiz kald\u0131\u011f\u0131 ve kullan\u0131mda s\u0131k\u0131nt\u0131lar ya\u015fand\u0131\u011f\u0131n\u0131n iletildi\u011fini s\u00f6yledi.<\/p>\n\n\n\n<p>-Kredi ihtiyac\u0131 ge\u00e7mi\u015fe g\u00f6re daha fazla<\/p>\n\n\n\n<p>Hisarc\u0131kl\u0131o\u011flu, firmalar\u0131n bankalardan talep ettikleri kredileri alamad\u0131klar\u0131n\u0131, alabilenlere ise \u00e7ok y\u00fcksek faiz oranlar\u0131 uyguland\u0131\u011f\u0131n\u0131 belirtti.<\/p>\n\n\n\n<p>Ya\u015fanan y\u00fcksek enflasyon ve maliyet art\u0131\u015flar\u0131 nedeniyle yat\u0131r\u0131m ve i\u015fletme sermayesi i\u00e7in kredi ihtiyac\u0131n\u0131n ge\u00e7mi\u015f d\u00f6nemlere g\u00f6re \u00e7ok artt\u0131\u011f\u0131na dikkati \u00e7eken Hisarc\u0131kl\u0131o\u011flu, \u201c\u0130\u015fletme sermayesi kredileri, \u00f6zellikle KOB\u0130\u2019lerin faaliyetlerini s\u00fcrd\u00fcrebilmesi i\u00e7in kritik hale gelmi\u015ftir. Dolay\u0131s\u0131yla artan i\u015fletme sermayesi ihtiyac\u0131 da dikkate al\u0131narak, krediye eri\u015fimin kolayla\u015ft\u0131r\u0131lmas\u0131 gerekmektedir. Bankalar\u0131m\u0131z\u0131n da fonlama maliyetlerini de dikkate alarak reel sekt\u00f6r\u00fcm\u00fcze uygun ko\u015fullarla kredi sa\u011flamaya devam etmeleri beklenmektedir. B\u00f6ylelikle reel sekt\u00f6r\u00fcm\u00fcz, her t\u00fcrl\u00fc olumsuz ko\u015fullar\u0131 en az hasarla atlatarak, yat\u0131r\u0131ma, \u00fcretime, ihracata, istihdama azami katk\u0131y\u0131 yapmaya devam edecektir.\u201d diye konu\u015ftu.<\/p>\n\n\n\n<p>Hisarc\u0131kl\u0131o\u011flu, \u00f6zellikle Kovid-19 salg\u0131n\u0131 d\u00f6neminde kamu bankalar\u0131n\u0131n reel sekt\u00f6r a\u00e7\u0131s\u0131ndan ne kadar \u00f6nemli ve de\u011ferli olduklar\u0131n\u0131 g\u00f6rd\u00fcklerini vurgulayarak, 3 kamu bankas\u0131n\u0131n da en s\u0131k\u0131nt\u0131l\u0131 s\u00fcre\u00e7lerde firmalar\u0131n yan\u0131nda durdu\u011funu, ayakta kalmalar\u0131 i\u00e7in destek verdi\u011fini ifade etti.<\/p>\n\n\n\n<p>Bu kritik d\u00f6nemde de bankalar\u0131n hepsinden ayn\u0131 yakla\u015f\u0131m\u0131 beklediklerini belirten Hisarc\u0131kl\u0131o\u011flu, \u015funlar\u0131 kaydetti:<\/p>\n\n\n\n<p>\u201cHepimizin \u00fclkemiz i\u00e7in fedak\u00e2rca \u00e7al\u0131\u015fmas\u0131 ve buna g\u00f6re hareket etmesi gereken bir d\u00f6nemdeyiz. Bankalar\u0131m\u0131zdan da i\u015fin feda k\u0131sm\u0131n\u0131 reel sekt\u00f6re, kar k\u0131sm\u0131n\u0131 kendilerine ay\u0131rmadan, bu bilin\u00e7le davranmalar\u0131n\u0131 arzu ediyoruz. Bug\u00fcnk\u00fc toplant\u0131m\u0131z\u0131n birbirimizi kar\u015f\u0131l\u0131kl\u0131 olarak daha iyi anlamak a\u00e7\u0131s\u0131ndan \u00f6nemli bir f\u0131rsat olmas\u0131n\u0131, \u00f6zellikle de kredilere eri\u015fimde ya\u015fanan s\u0131k\u0131nt\u0131lar\u0131n azalt\u0131lmas\u0131na katk\u0131 sa\u011flamas\u0131n\u0131 diliyorum.\u201d<\/p>\n\n\n\n<ul><li>TBB Ba\u015fkan\u0131 ve Ziraat Bankas\u0131 Genel M\u00fcd\u00fcr\u00fc Alpaslan \u00c7akar<\/li><\/ul>\n\n\n\n<p>T\u00fcrkiye Bankalar Birli\u011fi (TBB) Ba\u015fkan\u0131 ve Ziraat Bankas\u0131 Genel M\u00fcd\u00fcr\u00fc Alpaslan \u00c7akar ise konu\u015fmas\u0131nda, \u00e7evre ve iklimi dikkate alarak \u00fcreten, yat\u0131r\u0131m yapan, istihdam yaratan her bir m\u00fc\u015fterinin yan\u0131nda olmaya devam edeceklerini belirterek, \u201cBizim \u00fclkemiz b\u00fcy\u00fcmek zorunda, biz de o b\u00fcy\u00fcmeyi finanse edebilecek g\u00fc\u00e7, kabiliyet, \u00f6denek ve kayna\u011fa sahibiz.\u201d ifadesini kulland\u0131.<\/p>\n\n\n\n<p>\u00c7akar, TOBB Finansmana Eri\u015fim \u0130sti\u015fare Toplant\u0131s\u0131\u2019n\u0131n a\u00e7\u0131l\u0131\u015f\u0131nda yapt\u0131\u011f\u0131 konu\u015fmada, bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn bilan\u00e7osu ve kredi kulland\u0131r\u0131mlar\u0131na ili\u015fkin bilgi verdi.<\/p>\n\n\n\n<p>Sekt\u00f6r\u00fcn aktif b\u00fcy\u00fckl\u00fc\u011f\u00fcn\u00fcn 12 trilyon liraya ula\u015ft\u0131\u011f\u0131n\u0131 dile getiren \u00c7akar, fonlamalar\u0131n temelinin mevduat \u00f6z kaynaklardan olu\u015ftu\u011funu ifade etti.<\/p>\n\n\n\n<p>\u00c7akar, bankalar\u0131n toplam \u00f6z kayna\u011f\u0131n\u0131n 1,3 trilyon lira oldu\u011funu, mevduat olarak ger\u00e7ek ve t\u00fczel ki\u015filerden toplamda 7,5 trilyon lira topland\u0131\u011f\u0131n\u0131, mevduat d\u0131\u015f\u0131 kaynaklar\u0131n da 2,8 trilyon lira oldu\u011funu bildirdi.<\/p>\n\n\n\n<ul><li>\u201cFirmalara temmuz itibar\u0131yla ge\u00e7en y\u0131l ayn\u0131 d\u00f6neme g\u00f6re 12 kat\u0131 kredi kulland\u0131rd\u0131k\u201d<\/li><\/ul>\n\n\n\n<p>Ge\u00e7en y\u0131l 30 Temmuz itibar\u0131yla bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn kulland\u0131rd\u0131\u011f\u0131 kredi toplam\u0131n\u0131n 137 milyar lira oldu\u011funu belirten \u00c7akar, firmalara kulland\u0131r\u0131lan 70 milyar liral\u0131k kredinin 45 milyar liras\u0131n\u0131n b\u00fcy\u00fck i\u015fletmeler ve 25 milyar liras\u0131n\u0131n KOB\u0130\u2019lere kulland\u0131r\u0131ld\u0131\u011f\u0131n\u0131 anlatt\u0131.<\/p>\n\n\n\n<p>Bu y\u0131l ayn\u0131 d\u00f6nemde 1,1 trilyon lira kredi kulland\u0131r\u0131ld\u0131\u011f\u0131n\u0131 bildiren \u00c7akar, \u201cFirmalara kulland\u0131r\u0131lan kredi 901 milyar lira, ge\u00e7en sene bu rakam 70 milyar lirayd\u0131. Ge\u00e7en senenin 12 kat\u0131 oran\u0131nda kredi kulland\u0131rm\u0131\u015f durumday\u0131z.\u201d dedi.<\/p>\n\n\n\n<p>\u00c7akar, enflasyonun bu rakam\u0131 b\u00fcy\u00fctt\u00fc\u011f\u00fcn\u00fcn fark\u0131nda olduklar\u0131n\u0131 ancak 901 milyar liral\u0131k kredinin reel sekt\u00f6re kulland\u0131r\u0131lmas\u0131n\u0131n da \u00f6nemli oldu\u011funu s\u00f6yledi.<\/p>\n\n\n\n<ul><li>\u201c\u00dcreten, yat\u0131r\u0131m yapan, istihdam yaratan her bir m\u00fc\u015fterimizin yan\u0131nda olmaya devam edece\u011fiz\u201d<\/li><\/ul>\n\n\n\n<p>\u00c7akar, bireysel kulland\u0131r\u0131lan kredilerin ge\u00e7en y\u0131l\u0131n sonunda y\u00fczde 23, firmalar\u0131n kulland\u0131\u011f\u0131 kredilerin pay\u0131n\u0131n ise y\u00fczde 77 oldu\u011funu belirterek, \u015fimdi kredilerin y\u00fczde 19\u2019unu bireylere, y\u00fczde 81\u2019ini firmalara verdiklerini ifade etti.<\/p>\n\n\n\n<p>\u00c7akar, bor\u00e7lar\u0131n\u0131 \u00f6demekte zorlanan firmalar i\u00e7in yap\u0131land\u0131rma mekanizmas\u0131n\u0131n \u00e7ok iyi i\u015fledi\u011fini vurgulayarak, 343 milyar liral\u0131k bir kredinin yap\u0131land\u0131r\u0131ld\u0131\u011f\u0131n\u0131, bunun 313 milyar liras\u0131n\u0131n yak\u0131n izleme, 30 milyar liral\u0131k k\u0131sm\u0131n\u0131n da takibe d\u00fc\u015fm\u00fc\u015f kredi oldu\u011funu kaydetti.<\/p>\n\n\n\n<p>Yeniden yap\u0131land\u0131r\u0131lan kredilerin toplam krediler i\u00e7indeki pay\u0131n\u0131n da y\u00fczde 6 oldu\u011funu belirten \u00c7akar, takipteki krediler i\u00e7in ayr\u0131lan kar\u015f\u0131l\u0131klar\u0131n oran\u0131n\u0131n y\u00fczde 79 civar\u0131nda oldu\u011funu s\u00f6yledi. \u00c7akar, \u015f\u00f6yle dedi:<\/p>\n\n\n\n<p>\u201cBizim bilan\u00e7o yap\u0131lar\u0131m\u0131z sa\u011flam ve size \u00f6n\u00fcm\u00fczdeki s\u00fcre\u00e7 itibar\u0131yla destek verebilecek durumday\u0131z. B\u00fct\u00fcn bankac\u0131l\u0131k sekt\u00f6r\u00fc ad\u0131na \u015funu rahatl\u0131kla s\u00f6yleyebilirim, \u2018Sizin kaybetti\u011finiz benim kazand\u0131\u011f\u0131m bir ortam yok. Siz kazand\u0131k\u00e7a ben kazanabilirim, sizin bilan\u00e7olar\u0131n\u0131z iyi olduk\u00e7a benim bilan\u00e7om iyi olabilir.\u2019 Reel sekt\u00f6r ve finans sekt\u00f6r\u00fc bunlar i\u015f birli\u011fi i\u00e7inde olmak ve beraber hareket etmek durumunda. Ekonomi y\u00f6netimi, reel sekt\u00f6r ve finans sekt\u00f6r\u00fc, biz birbirimizi tamamlamak durumunday\u0131z. B\u00f6yle hareket ediyoruz, \u00f6n\u00fcm\u00fczdeki s\u00fcre\u00e7te de b\u00f6yle hareket etmeye devam edece\u011fiz. Esas olan \u00fclke bilan\u00e7osunun sa\u011fl\u0131kl\u0131 i\u015flemesi, \u00fclke bilan\u00e7osu sa\u011fl\u0131kl\u0131 oldu\u011fu m\u00fcddet\u00e7e hepimizin bilan\u00e7osu do\u011fru i\u015flemeye devam eder. \u00c7evre ve iklimi dikkate alarak \u00fcreten, yat\u0131r\u0131m yapan, istihdam yaratan her bir m\u00fc\u015fterimizin yan\u0131nda olmaya devam edece\u011fiz. Bizim \u00fclkemiz b\u00fcy\u00fcmek zorunda, biz de o b\u00fcy\u00fcmeyi finanse edebilecek g\u00fc\u00e7, kabiliyet, \u00f6denek ve kayna\u011fa sahibiz. Bundan hi\u00e7bir teredd\u00fcd\u00fcn\u00fcz olmas\u0131n.\u201d<\/p>\n\n\n\n<p>Toplant\u0131 a\u00e7\u0131l\u0131\u015f konu\u015fmalar\u0131n\u0131n ard\u0131ndan bas\u0131na kapal\u0131 olarak devam etti.<\/p>\n<!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content --><!-- AddThis Related Posts generic via filter on the_content -->","protected":false},"excerpt":{"rendered":"<p>Borsam\u0131z Y\u00f6netim Kurulu Ba\u015fkan\u0131 Arif G\u00dcNE\u015e; TOBB Ba\u015fkan\u0131m\u0131z M.Rifat H\u0130SARCIKLIO\u011eU&#8217;nun kat\u0131l\u0131m\u0131yla ger\u00e7ekle\u015fen \u201cFinansmana Eri\u015fim \u0130sti\u015fare Toplant\u0131s\u0131\u201dna kat\u0131l\u0131m sa\u011flad\u0131. Finansmana Eri\u015fim \u0130sti\u015fare Toplant\u0131s\u0131\u2019nda konu\u015fan T\u00fcrkiye Odalar ve Borsalar Birli\u011fi (TOBB) Ba\u015fkan\u0131 M. Rifat Hisarc\u0131kl\u0131o\u011flu, \u201cHepimizin \u00fclkemiz i\u00e7in fedakarca \u00e7al\u0131\u015fmas\u0131 ve buna g\u00f6re hareket etmesi gereken bir d\u00f6nemdeyiz. Bankalar\u0131m\u0131zdan da i\u015fin feda k\u0131sm\u0131n\u0131 reel sekt\u00f6re, kar k\u0131sm\u0131n\u0131 &hellip;<!-- AddThis Advanced Settings generic via filter on get_the_excerpt --><!-- AddThis Share Buttons generic via filter on get_the_excerpt --><!-- AddThis Related Posts generic via filter on get_the_excerpt --><\/p>\n","protected":false},"author":2,"featured_media":4107,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[9],"tags":[],"_links":{"self":[{"href":"http:\/\/www.batmantb.org.tr\/index.php\/wp-json\/wp\/v2\/posts\/4106"}],"collection":[{"href":"http:\/\/www.batmantb.org.tr\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.batmantb.org.tr\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.batmantb.org.tr\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"http:\/\/www.batmantb.org.tr\/index.php\/wp-json\/wp\/v2\/comments?post=4106"}],"version-history":[{"count":1,"href":"http:\/\/www.batmantb.org.tr\/index.php\/wp-json\/wp\/v2\/posts\/4106\/revisions"}],"predecessor-version":[{"id":4108,"href":"http:\/\/www.batmantb.org.tr\/index.php\/wp-json\/wp\/v2\/posts\/4106\/revisions\/4108"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.batmantb.org.tr\/index.php\/wp-json\/wp\/v2\/media\/4107"}],"wp:attachment":[{"href":"http:\/\/www.batmantb.org.tr\/index.php\/wp-json\/wp\/v2\/media?parent=4106"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.batmantb.org.tr\/index.php\/wp-json\/wp\/v2\/categories?post=4106"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.batmantb.org.tr\/index.php\/wp-json\/wp\/v2\/tags?post=4106"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}