(The Turkish Post) \u2013 Se\u00e7im \u00f6ncesi belirsizli\u011fin ortadan kalkmas\u0131n\u0131n ard\u0131ndan g\u00f6zler yeni ekonomi politikalar\u0131na \u00e7evrildi. Se\u00e7im \u00f6ncesi Merkez Bankas\u0131’n\u0131n att\u0131\u011f\u0131 ad\u0131mlar nedeniyle bunalan bankac\u0131l\u0131k sekt\u00f6r\u00fcnde ticari krediler durma noktas\u0131na geldi.<\/p>\n
Bankac\u0131l\u0131k kaynaklar\u0131, \u00f6zel bankalar\u0131n riski daha d\u00fc\u015f\u00fck oldu\u011fu i\u00e7in 1-1,5 ayl\u0131k k\u0131sa vadeli spot kredilere y\u00f6neldi\u011fini uzun vadeli krediler talebinde fiyatlama yapamad\u0131\u011f\u0131 y\u00fczde 60- 70 oran\u0131nda faiz verdi\u011fini aktard\u0131.<\/p>\n
Ekonomi gazetesinin haberine g\u00f6re, son d\u00f6nemde s\u00fcrekli reg\u00fclasyonlarla kar\u015f\u0131 kar\u015f\u0131ya kalan bankac\u0131l\u0131k sekt\u00f6r\u00fcnde se\u00e7im belirsizli\u011fi nedeniyle ikinci tur se\u00e7imleri \u00f6ncesinde kredi arz\u0131 neredeyse durma noktas\u0131na gelmi\u015f ve faiz oranlar\u0131 da yukar\u0131 y\u00f6nl\u00fc hareket etmi\u015fti. Se\u00e7imden sonra ise baz\u0131 bankalar hemen faiz oranlar\u0131nda ayarlamalar yapt\u0131. Ticari kredi faizleri bu durumdan daha fazla etkilendi.<\/p>\n
Menkul k\u0131ymet zorunlulu\u011fu ticari kredi b\u00fcy\u00fcme ve faiz oranlar\u0131na g\u00f6re uygulan\u0131yor. Sekt\u00f6r riskin y\u00fckselmesi, net faiz gelirinin negatif olmas\u0131 nedeniyle bir s\u00fcredir ticari kredide i\u015ftahs\u0131z davran\u0131yordu. Bu hafta ise sekt\u00f6r kaynaklar\u0131na g\u00f6re baz\u0131 \u00f6zel bankalar uzun vadeli ticari krediyi ya durdurdu ya da y\u0131ll\u0131k y\u00fczde 60-70\u2019e varan \u00e7ok y\u00fcksek faiz oranlar\u0131 vermeye ba\u015flad\u0131.<\/p>\n
Sekt\u00f6r\u00fc kaynaklar\u0131 \u00f6zel bankalar\u0131n \u201ckredi vermiyoruz\u201d dememek i\u00e7in 1-1,5 ay vadeli spot kredilere y\u00f6neldi\u011fini belirterek, bu alanda vade yap\u0131s\u0131 nedeniyle risk d\u00fc\u015f\u00fck oldu\u011fu i\u00e7in \u00e7ok da y\u00fcksek faiz oranlar\u0131n\u0131n konu\u015fulmad\u0131\u011f\u0131n\u0131, makul oranlar\u0131n uyguland\u0131\u011f\u0131n\u0131 vurgulad\u0131.<\/p>\n
Kamu Bankalar\u0131nda Limit<\/p>\n
Uzun vadeli kredi talepleri ise genellikle kar\u015f\u0131lanm\u0131yor. Bunu \u201cfiyatlama yap\u0131lamamas\u0131\u201d olarak yorumlayan bankac\u0131l\u0131k sekt\u00f6r\u00fc kaynaklar\u0131 piyasada \u00e7ok y\u00fcksek faiz oranlar\u0131 dola\u015ft\u0131\u011f\u0131n\u0131 da vurgulad\u0131. Kamu bankalar\u0131n\u0131n ise daha d\u00fc\u015f\u00fck faizli ticari kredi kulland\u0131r\u0131m\u0131na devam etti\u011fini s\u00f6yleyen bankac\u0131l\u0131k sekt\u00f6r\u00fc kaynaklar\u0131, kamu bankalar\u0131nda ise limitlerin uyguland\u0131\u011f\u0131n\u0131 belirtti.<\/p>\n
Baz\u0131 \u00f6zel bankalarda ihtiya\u00e7 kredi faizi ayl\u0131k y\u00fczde 6\u2019ya kadar y\u00fckseldi ve y\u0131ll\u0131kta bir haftada 12,12 puan artt\u0131. Ticari kredi faizlerinde ise art\u0131\u015f \u00e7ok daha keskin oldu. Kaynaklar bankalara y\u00f6nelik reg\u00fclasyonlar devam etti\u011fi s\u00fcrece faiz oranlar\u0131nda y\u00fckseli\u015fin s\u00fcrece\u011fini belirtirken 70 bin liran\u0131n \u00fczerinde kredi kullan\u0131m\u0131n\u0131n k\u0131s\u0131tl\u0131 oldu\u011funu \u00e7ok \u0131srarl\u0131 talep durumunda ise ayl\u0131k faizin y\u00fczde 7\u2019yi a\u015ft\u0131\u011f\u0131n\u0131 dile getirdi.<\/p>\n","protected":false},"excerpt":{"rendered":"
(The Turkish Post) \u2013 Se\u00e7im \u00f6ncesi belirsizli\u011fin ortadan kalkmas\u0131n\u0131n ard\u0131ndan g\u00f6zler yeni ekonomi politikalar\u0131na \u00e7evrildi. Se\u00e7im \u00f6ncesi Merkez Bankas\u0131’n\u0131n att\u0131\u011f\u0131 ad\u0131mlar nedeniyle bunalan bankac\u0131l\u0131k sekt\u00f6r\u00fcnde ticari krediler durma noktas\u0131na geldi. Bankac\u0131l\u0131k kaynaklar\u0131, \u00f6zel bankalar\u0131n riski daha d\u00fc\u015f\u00fck oldu\u011fu i\u00e7in 1-1,5 ayl\u0131k k\u0131sa vadeli spot kredilere y\u00f6neldi\u011fini uzun vadeli krediler talebinde fiyatlama yapamad\u0131\u011f\u0131 y\u00fczde 60- 70 […]<\/p>\n","protected":false},"author":5,"featured_media":11662,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"jnews-multi-image_gallery":[],"jnews_single_post":{"source_name":"Halk TV","source_url":"https:\/\/halktv.com.tr\/ekonomi\/piyasalarda-derin-kriz-ticari-krediler-durdu-743695h","via_name":"","via_url":"","override_template":"0","override":[{"template":"1","single_blog_custom":"","parallax":"1","fullscreen":"1","layout":"right-sidebar","sidebar":"default-sidebar","second_sidebar":"default-sidebar","sticky_sidebar":"1","share_position":"topbottom","share_float_style":"share-monocrhome","show_share_counter":"0","show_view_counter":"0","show_featured":"1","show_post_meta":"1","show_post_author":"0","show_post_author_image":"1","show_post_date":"1","post_date_format":"default","post_date_format_custom":"Y\/m\/d","show_post_category":"0","show_post_reading_time":"1","post_reading_time_wpm":"300","show_zoom_button":"1","zoom_button_out_step":"4","zoom_button_in_step":"4","show_post_tag":"1","show_prev_next_post":"0","show_popup_post":"1","number_popup_post":"2","show_author_box":"1","show_post_related":"1","show_inline_post_related":"0"}],"override_image_size":"0","image_override":[{"single_post_thumbnail_size":"crop-715","single_post_gallery_size":"crop-500"}],"trending_post":"0","trending_post_position":"meta","trending_post_label":"Trending","sponsored_post":"0","sponsored_post_label":"Sponsored by","sponsored_post_name":"","sponsored_post_url":"","sponsored_post_logo_enable":"0","sponsored_post_logo":"","sponsored_post_desc":"","disable_ad":"0"},"jnews_primary_category":{"id":"","hide":""},"jnews_override_bookmark_settings":{"override_bookmark_button":"0","override_show_bookmark_button":"0"},"jnews_social_meta":{"fb_title":"","fb_description":"","fb_image":"","twitter_title":"","twitter_description":"","twitter_image":""},"jnews_override_counter":{"override_view_counter":"0","view_counter_number":"0","override_share_counter":"0","share_counter_number":"0","override_like_counter":"0","like_counter_number":"0","override_dislike_counter":"0","dislike_counter_number":"0"},"footnotes":""},"categories":[2,1],"tags":[756,1003,1334,1422],"class_list":["post-11661","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","category-son-haberler","tag-banka","tag-faiz","tag-kredi","tag-slider-manset"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/posts\/11661","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/comments?post=11661"}],"version-history":[{"count":0,"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/posts\/11661\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/media\/11662"}],"wp:attachment":[{"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/media?parent=11661"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/categories?post=11661"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/tags?post=11661"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}