{"id":57803,"date":"2024-01-24T12:50:58","date_gmt":"2024-01-24T09:50:58","guid":{"rendered":"https:\/\/www.turkishpost.net\/ar\/?p=57803"},"modified":"2024-01-24T12:50:58","modified_gmt":"2024-01-24T09:50:58","slug":"turkiye-bankalar-birligi-baskanindan-dolar-ve-faiz-tahmini","status":"publish","type":"post","link":"https:\/\/www.turkishpost.net\/ar\/turkiye-bankalar-birligi-baskanindan-dolar-ve-faiz-tahmini\/","title":{"rendered":"T\u00fcrkiye Bankalar Birli\u011fi Ba\u015fkan\u0131&#8217;ndan dolar ve faiz tahmini"},"content":{"rendered":"<p><strong>(The Turkish Post) &#8211;<\/strong> Merkez Bankas\u0131 Para Politikas\u0131 Kurulu, yar\u0131n y\u0131l\u0131n ilk faiz karar\u0131n\u0131 a\u00e7\u0131klayacak. T\u00fcrkiye Bankalar Birli\u011fi (TBB) Y\u00f6netim Kurulu Ba\u015fkan\u0131 Alpaslan \u00c7akar, T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131n\u0131n (TCMB) faiz art\u0131r\u0131m s\u00fcrecini ocak ay\u0131 itibar\u0131yla tamamlayaca\u011f\u0131 kanaatinde oldu\u011funu belirterek, &#8220;Son \u00e7eyrek i\u00e7erisinde \u00fclkemizde de faiz indirim s\u00fcrecine do\u011fru gidilece\u011fini d\u00fc\u015f\u00fcn\u00fcyorum&#8221; dedi.<\/p>\n<p>&#8211; \u00c7akar, Ziraat Bankas\u0131n\u0131n \u0130stanbul Finans Merkezi&#8217;ndeki genel m\u00fcd\u00fcrl\u00fck binas\u0131nda d\u00fczenlenen toplant\u0131da, ekonomi ve bankac\u0131l\u0131k sekt\u00f6r\u00fcndeki geli\u015fmeleri de\u011ferlendirdi, 2024&#8217;e ili\u015fkin beklentilerini payla\u015ft\u0131. \u00c7akar&#8217;\u0131n konu\u015fmas\u0131 \u00f6zetle \u015f\u00f6yle:<\/p>\n<p>&#8211; Avrupa ve Amerika&#8217;dan \u00e7ok ciddi anlamda sermaye giri\u015fi bekliyorum. ABD ve Avrupa&#8217;daki faiz indirimleriyle beraber iyi hikayesi olan geli\u015fmekte olan \u00fclkelere ciddi bir ak\u0131\u015f olaca\u011f\u0131n\u0131 tahmin ediyorum.<\/p>\n<p>&#8211; Kredi b\u00fcy\u00fcmesinin bu y\u0131l y\u00fczde 40 civar\u0131nda olaca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcn\u00fcyorum. Kurun da bu y\u0131l enflasyondan fazla artmayaca\u011f\u0131 kanaatindeyim. Dolar\u0131n 39-40 lira olaca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcn\u00fcyorum.<\/p>\n<p>&#8211; D\u00f6vize yat\u0131r\u0131m yapman\u0131n \u00f6n\u00fcm\u00fczdeki d\u00f6nem itibar\u0131yla TL&#8217;den daha fazla getiri sa\u011flamayaca\u011f\u0131 konusunda genel bir kanaat olu\u015fmaya ba\u015flad\u0131. 2025 y\u0131l\u0131nda TL&#8217;nin tekrar ola\u011fan mekanizmas\u0131na, mecras\u0131na d\u00f6nd\u00fc\u011f\u00fcn\u00fc g\u00f6rece\u011fiz.<\/p>\n<p><strong>KRED\u0130 KARTINA SINIRLAMALAR GELEB\u0130L\u0130R<\/strong><\/p>\n<p>&#8211; Kredi kartlar\u0131 harcamalar\u0131ndaki art\u0131\u015f g\u00f6ze \u00e7arpmaktad\u0131r. Kredi kart\u0131 harcamalar\u0131na ili\u015fkin enflasyon etkisini de y\u00f6netmek ad\u0131na burada bir d\u00fczenleme olabilece\u011fi kanaatindeyim. Bunun birka\u00e7 tane y\u00f6ntemi var; faiz oran\u0131, taksit s\u0131n\u0131rlamas\u0131 ya da ki\u015finin harcayabilece\u011fi tutar konusu.<\/p>\n<p>&#8211; Maliyet vererek, faiz vererek ald\u0131\u011f\u0131m\u0131z mevduat\u0131 \u015fu anda Merkez Bankas\u0131nda zorunlu kar\u015f\u0131l\u0131k tuttu\u011fumuzda herhangi bir faiz alm\u0131yoruz. Zorunlu kar\u015f\u0131l\u0131klarda en az\u0131ndan bir miktar faiz verilmesi gerekti\u011fi kanaatindeyiz. \u00c7\u00fcnk\u00fc zorunlu kar\u015f\u0131l\u0131k olarak tutulan miktar\u0131n pay\u0131 artm\u0131\u015f durumdad\u0131r.<\/p>\n<p>&#8211; Kur Korumal\u0131 Mevduat ve d\u00f6vizden d\u00f6n\u00fc\u015f\u00fcml\u00fc kur korumal\u0131 mevduat (DDM) toplam\u0131 bug\u00fcn itibar\u0131yla 88-89 milyar dolara d\u00fc\u015ft\u00fc. Bir ara 3,4 trilyon lira, yani 126 milyar dolara kadar \u00e7\u0131km\u0131\u015ft\u0131. Bug\u00fcn itibar\u0131yla pay\u0131 y\u00fczde 16,8&#8217;e d\u00fc\u015ft\u00fc. TL KKM&#8217;nin toplam mevduat i\u00e7erisindeki pay\u0131 y\u00fczde 5&#8217;e d\u00fc\u015ft\u00fc. Muhtemelen bu ay sonu ya da gelecek ay TL KKM bitmi\u015f olur. Halihaz\u0131rda DDM&#8217;nin y\u00fczde 15-20&#8217;si standart TL mevduata ge\u00e7iyor. Merkez Bankas\u0131; kur \u00fczerindeki bask\u0131, rezerv hususlar\u0131 dikkate al\u0131nd\u0131\u011f\u0131nda DDM&#8217;nin hemen h\u0131zl\u0131 bir \u015fekilde bitmesini istemiyor. 2025 y\u0131l\u0131nda DDM&#8217;yi konu\u015fmuyor olaca\u011f\u0131z. DDM tedrici olarak yava\u015f yava\u015f azalarak g\u00fcndemimizden \u00e7\u0131kacakt\u0131r.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>(The Turkish Post) &#8211; Merkez Bankas\u0131 Para Politikas\u0131 Kurulu, yar\u0131n y\u0131l\u0131n ilk faiz karar\u0131n\u0131 a\u00e7\u0131klayacak. T\u00fcrkiye Bankalar Birli\u011fi (TBB) Y\u00f6netim Kurulu Ba\u015fkan\u0131 Alpaslan \u00c7akar, T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131n\u0131n (TCMB) faiz art\u0131r\u0131m s\u00fcrecini ocak ay\u0131 itibar\u0131yla tamamlayaca\u011f\u0131 kanaatinde oldu\u011funu belirterek, &#8220;Son \u00e7eyrek i\u00e7erisinde \u00fclkemizde de faiz indirim s\u00fcrecine do\u011fru gidilece\u011fini d\u00fc\u015f\u00fcn\u00fcyorum&#8221; dedi. &#8211; \u00c7akar, Ziraat Bankas\u0131n\u0131n [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":57808,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"jnews-multi-image_gallery":[],"jnews_single_post":{"source_name":"Art\u0131 Ger\u00e7ek ","source_url":"https:\/\/artigercek.com\/ekonomi\/turkiye-bankalar-birligi-baskanindan-dolar-ve-faiz-tahmini-281593h","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":[13170,305,1422,10152],"class_list":["post-57803","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","category-son-haberler","tag-bankalar-birliginin","tag-dolar","tag-slider-manset","tag-tahmini"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/posts\/57803","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\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/comments?post=57803"}],"version-history":[{"count":0,"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/posts\/57803\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/media\/57808"}],"wp:attachment":[{"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/media?parent=57803"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/categories?post=57803"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/tags?post=57803"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}