{"id":54009,"date":"2024-01-10T08:20:51","date_gmt":"2024-01-10T05:20:51","guid":{"rendered":"https:\/\/www.turkishpost.net\/ar\/?p=54009"},"modified":"2024-01-10T08:21:31","modified_gmt":"2024-01-10T05:21:31","slug":"yuksek-faiz-krediye-talebi-dusurup-mevduati-artinca-bankalarin-dengesi-bozuldu","status":"publish","type":"post","link":"https:\/\/www.turkishpost.net\/ar\/yuksek-faiz-krediye-talebi-dusurup-mevduati-artinca-bankalarin-dengesi-bozuldu\/","title":{"rendered":"Y\u00fcksek faiz krediye talebi d\u00fc\u015f\u00fcr\u00fcp mevduat\u0131 art\u0131r\u0131nca bankalar\u0131n dengesi bozuldu"},"content":{"rendered":"<p><strong>(The Turkish Post) \u2013<\/strong> T\u00fcrkiye\u2019de se\u00e7im sonras\u0131nda ekonomide yepyeni bir d\u00f6nem ba\u015flad\u0131. May\u0131s 2023 \u00f6ncesinde ekonomi y\u00f6netiminin ald\u0131\u011f\u0131 kararlar piyasalar\u0131 olduk\u00e7a \u0131s\u0131t\u0131rken, \u015fimdi yeni y\u00f6netim eski do\u011frulara geri d\u00f6nd\u00fc. Ekonominin d\u00fcmenine ge\u00e7en Mehmet \u015eim\u015fek, Hazine Bakanl\u0131\u011f\u0131 g\u00f6revine getirilince ilk i\u015fi Merkez Bankas\u0131\u2019n\u0131n yeni para politika y\u00f6netimi oldu.<\/p>\n<p>Merkez Bankas\u0131 Ba\u015fkanl\u0131\u011f\u0131na Hafize Gaye Erkan\u2019\u0131n atanmas\u0131yla birlikte yeni politika d\u00f6nemi de ba\u015flad\u0131. Se\u00e7ime kadar uzun bir s\u00fcre T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (TCMB) faizleri y\u00fczde 8,5 seviyesinde tutuyordu. \u015eimdi de son toplant\u0131yla birlikte yeni y\u00f6netim 2,5 puanl\u0131k art\u0131\u015fla birlikte faizleri y\u00fczde 42,5 seviyesine \u00e7\u0131kartt\u0131. B\u00f6ylece mevduat faizlerinde de y\u00fckseli\u015fler g\u00f6r\u00fcld\u00fc. D\u00fc\u015f\u00fck faiz d\u00f6neminde ta\u015f\u0131nmaz, alt\u0131n, d\u00f6viz ve otomotiv gibi kalemlere yat\u0131r\u0131m yapanlar \u015fimdi de mevduatlara ak\u0131n etti. Hatta bu s\u00fcre\u00e7te Kur Korumal\u0131 Mevduat (KKM) sisteminden de \u00e7\u0131k\u0131\u015flar h\u0131z kazand\u0131.<\/p>\n<p>Yeni y\u0131lla birlikte baz\u0131 kamu ve \u00f6zel bankalar\u0131n mevduat faizlerini d\u00fc\u015f\u00fcrmeye ba\u015flad\u0131. \u00d6te yandan y\u00fcksek faizle birlikte daralan kredi talebi marjlar\u0131 zorlad\u0131. Bankalar bu y\u00fczden mevduat faizlerinde ufak ufak d\u00fc\u015f\u00fc\u015fler ger\u00e7ekle\u015ftirmeye ba\u015flad\u0131. Bankac\u0131l\u0131k kaynaklar\u0131n\u0131n aktard\u0131\u011f\u0131na g\u00f6re, ge\u00e7en sene sonunda TCMB verilerine g\u00f6re y\u00fczde 52\u2019yi a\u015fan \u00fc\u00e7 ayl\u0131k ortalama mevduat faizlerinin y\u0131l\u0131n ba\u015f\u0131ndan itibaren baz\u0131 bankalarda y\u00fczde 44\u2019lere kadar geriledi\u011fini payla\u015f\u0131ld\u0131.<\/p>\n<p>Kaynaklar bu gerilemede, fonlama maliyetlerinin bankalar\u0131 ciddi d\u00fc\u015f\u00fcnd\u00fcrd\u00fc\u011f\u00fcn\u00fc belirterek, \u2018spread\u2019leri y\u00f6netmek i\u00e7in oranlar\u0131n a\u015fa\u011f\u0131 \u00e7ekilmeye ba\u015fland\u0131\u011f\u0131n\u0131 da kaydetti. Uzmanlar borsay\u0131 da i\u015faret etti. Ba\u015flayan y\u00fckseli\u015f serisiyle birlikte mevduat faizlerindeki d\u00fc\u015f\u00fc\u015f T\u00fcrkiye ekonomisinde yeni bir d\u00f6nem olarak yorumland\u0131. Ekonomist Altu\u011f \u00d6zarslan \u201cMevduat faizlerinde ilk d\u00fc\u015f\u00fc\u015f ba\u015flad\u0131\u201d Piyasada TL fazlas\u0131 var, TCMB\u2019nin depo ihalesine ra\u011fmen 400 milyar TL civar\u0131nda. Kredi talebi de \u00e7ok k\u0131s\u0131tl\u0131 (kredi ile yarat\u0131lan mevduat fonlama arac\u0131na d\u00f6n\u00fcyor), mecburen mevduat a\u015fa\u011f\u0131 geliyor\u201d dedi.<\/p>\n<p><strong>BOR\u00c7 PARAYA TALEP YOK MARJLAR ZORDA<\/strong><\/p>\n<p>Y\u00fcksek faizle birlikte bor\u00e7 paraya olan talep her ge\u00e7en g\u00fcn d\u00fc\u015fmeye ba\u015flarken, mevduata olan talebin artt\u0131\u011f\u0131 g\u00f6r\u00fcl\u00fcyor. Bu da bankalar\u0131n bilan\u00e7olar\u0131nda ciddi bozulmalara i\u015faret ediyor. Krediye d\u00f6n\u00fc\u015fmeyen mevduatlarla birlikte tersine bir e\u011filime yol a\u00e7\u0131yor. 2023 sonunda y\u00fczde 50\u2019yi a\u015fan TL mevduat faizleri yeni y\u0131lla birlikte d\u00fc\u015fmeye ba\u015flad\u0131. Baz\u0131 bankalarda 3 ayl\u0131k faizlerin y\u00fczde 40 seviyesinin alt\u0131na indi\u011fi de g\u00f6r\u00fcld\u00fc. Reuters\u2019in haberine g\u00f6re, bankalar daralan kredi talebi ve y\u00fcksek mevduat faizleri nedeniyle marjlar\u0131n\u0131 zorluyor. Sonu\u00e7 olarak mevduat faizleri y\u0131l\u0131n ilk haftas\u0131ndan itibaren d\u00fc\u015f\u00fcr\u00fclmeye ba\u015fland\u0131.<\/p>\n<p><strong>\u2018REKABET BA\u015eLADI GER\u0130LEME OLDU\u2019<\/strong><\/p>\n<p>Merkez Bankas\u0131\u2019n\u0131n art arda faiz art\u0131\u015f\u0131na gitmesi sonras\u0131 TL vadeli mevduat faizleri artt\u0131. Y\u0131l\u0131n son haftas\u0131nda ortalama faiz y\u00fczde 52\u2019nin \u00fczerine \u00e7\u0131kt\u0131. \u00d6zellikle d\u00f6viz d\u00f6n\u00fc\u015f\u00fcml\u00fc kur korumal\u0131 mevduattan d\u00f6nenlere y\u00fcksek oranlar sunuldu. TL\u2019den mevduat a\u00e7anlara 3 aya kadar vadelide y\u00fczde 47-48 d\u00fczeyinde faiz \u00f6nerildi. Y\u0131l\u0131n ilk haftas\u0131nda ise faizler y\u00fczde 40\u2019lara kadar geriledi. Uzmanlara g\u00f6re bankalar y\u0131l\u0131n son haftas\u0131nda mevduat yar\u0131\u015f\u0131na girdi. Bu nedenle oranlar y\u00fckseldi. NTV\u2019ye konu\u015fan Ekonomist Mert Y\u0131lmaz, \u201cY\u0131lba\u015f\u0131 \u00f6ncesinde bankalarda mevduat yar\u0131\u015f\u0131 olur. Herkes kendi bilan\u00e7osunu d\u00fczeltmek i\u00e7in bir miktar rekabete girer. \u015eimdi bir miktar gerileme ya\u015fan\u0131yor. Y\u00fczde 40-41\u2019lere kadar geldi\u201d dedi.<\/p>\n<p><strong>KKM\u2019DEN \u00c7IKI\u015e DEVAM ED\u0130YOR<\/strong><\/p>\n<p>Kur korumal\u0131 TL mevduat ve kat\u0131lma hesaplar\u0131ndaki tutar d\u00fc\u015f\u00fc\u015f\u00fc s\u00fcrd\u00fc. Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu\u2019nun (BDDK) haftal\u0131k b\u00fclteninde yer alan bilgilere g\u00f6re kur korumal\u0131 TL mevduat ve kat\u0131lma hesaplar\u0131 2 trilyon 651,8 milyar TL\u2019den 2 trilyon 626,4 milyar TL\u2019ye geriledi. Veriler 29 Aral\u0131k ile biten haftay\u0131 kaps\u0131yor. Ayn\u0131 haftada krediler 11 trilyon 479,5 milyar TL\u2019den 11 trilyon 630,3 milyar TL\u2019ye, mevduat 14 trilyon 674 milyar TL\u2019den 14 trilyon 843,1 milyar TL\u2019ye y\u00fckseldi.<\/p>\n<p>T\u00fcketici kredileri 1 trilyon 497,9 milyar TL\u2019den 1 trilyon 513,8 milyar TL\u2019ye, bireysel kredi kartlar\u0131 1 trilyon 99,8 milyar TL\u2019den 154,9 milyar TL\u2019ye \u00e7\u0131kt\u0131. Takipteki alacaklar ise 175,1 milyar TL\u2019den 191,4 milyar TL\u2019ye \u00e7\u0131kt\u0131. TL\u2019den d\u00f6n\u00fc\u015f\u00fcml\u00fc kur korumal\u0131 mevduat yeni y\u0131l itibar\u0131yla sona erdirildi. Art\u0131k yeni giri\u015f yap\u0131lam\u0131yor, hesaplar vade sonunda yenilenmiyor. Ekonomistler, bunun da \u00f6n\u00fcm\u00fczdeki d\u00f6nem TL vadeli mevduat faizlerini bask\u0131layaca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcn\u00fcyor.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>(The Turkish Post) \u2013 T\u00fcrkiye\u2019de se\u00e7im sonras\u0131nda ekonomide yepyeni bir d\u00f6nem ba\u015flad\u0131. May\u0131s 2023 \u00f6ncesinde ekonomi y\u00f6netiminin ald\u0131\u011f\u0131 kararlar piyasalar\u0131 olduk\u00e7a \u0131s\u0131t\u0131rken, \u015fimdi yeni y\u00f6netim eski do\u011frulara geri d\u00f6nd\u00fc. Ekonominin d\u00fcmenine ge\u00e7en Mehmet \u015eim\u015fek, Hazine Bakanl\u0131\u011f\u0131 g\u00f6revine getirilince ilk i\u015fi Merkez Bankas\u0131\u2019n\u0131n yeni para politika y\u00f6netimi oldu. Merkez Bankas\u0131 Ba\u015fkanl\u0131\u011f\u0131na Hafize Gaye Erkan\u2019\u0131n atanmas\u0131yla birlikte [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":54010,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"jnews-multi-image_gallery":[],"jnews_single_post":{"source_name":"Karar","source_url":"","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":"2","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":[756,1334,10827,315,2414],"class_list":["post-54009","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","category-son-haberler","tag-banka","tag-kredi","tag-mevduat","tag-ust-manset","tag-yuksek-faiz"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/posts\/54009","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=54009"}],"version-history":[{"count":0,"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/posts\/54009\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/media\/54010"}],"wp:attachment":[{"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/media?parent=54009"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/categories?post=54009"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/tags?post=54009"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}