{"id":4855,"date":"2023-09-28T04:04:45","date_gmt":"2023-09-28T01:04:45","guid":{"rendered":"https:\/\/egemhabertv.com\/?p=4855"},"modified":"2023-09-28T04:04:45","modified_gmt":"2023-09-28T01:04:45","slug":"bankalar-tuketicide-frene-basti-ticari-ivme-kazaniyor","status":"publish","type":"post","link":"https:\/\/egemhabertv.com\/?p=4855","title":{"rendered":"Bankalar t\u00fcketicide frene bast\u0131, ticari ivme kazan\u0131yor"},"content":{"rendered":"

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\u015eEBNEM TURHAN<\/strong><\/p>\n

Cumhurba\u015fkanl\u0131\u011f\u0131 se\u00e7imleri sonras\u0131nda yeni ekonomi<\/a> ve Merkez Bankas\u0131 y\u00f6netiminin uygulad\u0131\u011f\u0131 parasal ve miktarsal s\u0131k\u0131la\u015ft\u0131rma politikalar\u0131 kredi alan\u0131nda da kendini g\u00f6steriyor. \u00d6zellikle hem Maliye Bakan\u0131 Mehmet \u015eim\u015fek\u2019in hem de Merkez Bankas\u0131 metinlerinde dikkat \u00e7ekilen t\u00fcketici kredilerindeki yava\u015flama dikkat \u00e7ekiyor. Se\u00e7ici kredi ve miktarsal s\u0131k\u0131la\u015ft\u0131rma ad\u0131mlar\u0131yla ticari krediler ivme kazand\u0131. Buna kar\u015f\u0131l\u0131k kredi ve mevduat faizlerinde y\u00fckseli\u015f de s\u00fcr\u00fcyor. 10 haftan\u0131n ard\u0131ndan ticari kredi b\u00fcy\u00fcmesi y\u00fczde 11,29 ile \u00e7ift haneye \u00e7\u0131kt\u0131, t\u00fcketici kredi b\u00fcy\u00fcmesi y\u00fczde 17,23 ile y\u00fczde 20\u2019nin alt\u0131na indi.<\/p>\n

Se\u00e7ici ve miktarsal s\u0131k\u0131la\u015ft\u0131rma ad\u0131mlar\u0131<\/strong><\/h2>\n

Merkez Bankas\u0131 verilerine g\u00f6re 15 Eyl\u00fcl haftas\u0131 itibariyle ticari kredi faizi bir haftada 205 baz puan artarak y\u00fczde 42,92’ye \u00e7\u0131kt\u0131, ihtiya\u00e7 kredi faizi 91 baz puan d\u00fc\u015ferek y\u00fczde 58,8’e indi, ta\u015f\u0131t kredi faizi 112 baz puan art\u0131\u015fla y\u00fczde 47,48’e, konut kredi faizi de 284 baz puanl\u0131k y\u00fckseli\u015fle y\u00fczde 41,69’a \u00e7\u0131kt\u0131. 3 aya kadar vadeli TL mevduat faizi de 100 baz puanl\u0131k art\u0131\u015fla y\u00fczde 41,87’ye ula\u015ft\u0131. Merkez Bankas\u0131\u2019n\u0131n politika faizinde 4 toplant\u0131da yapt\u0131\u011f\u0131 2150 baz puanl\u0131k art\u0131\u015flar\u0131n\u0131n yan\u0131 s\u0131ra se\u00e7ici ve miktarsal s\u0131k\u0131la\u015ft\u0131rma ad\u0131mlar\u0131 da faizlerdeki y\u00fckseli\u015fte etkili oldu. Merkez Bankas\u0131 kredi b\u00fcy\u00fcmesine g\u00f6re menkul k\u0131ymet tesisi kapsam\u0131nda y\u00fczde 3 olan ticari krediler i\u00e7in ayl\u0131k b\u00fcy\u00fcme s\u0131n\u0131r\u0131n\u0131 y\u00fczde 2,5, ta\u015f\u0131t kredilerinde ise y\u00fczde 3 olan b\u00fcy\u00fcme s\u0131n\u0131r\u0131n\u0131 y\u00fczde 2\u2019ye indirdi. Ticari kredilerde ihracat, yat\u0131r\u0131m, tar\u0131m<\/a> ve esnaf kredileri hari\u00e7 tutuldu. Reeskont kredi limitleri art\u0131r\u0131ld\u0131, ticari kredi faizinde menkul k\u0131ymet tutma zorunlulu\u011fu i\u00e7in alt s\u0131n\u0131r kald\u0131r\u0131ld\u0131.<\/p>\n

10 haftan\u0131n ard\u0131ndan ilk kez \u00e7ift haneli b\u00fcy\u00fcme<\/strong><\/h2>\n

Kredi b\u00fcy\u00fcmeleri de ekonomi y\u00f6netiminin istedi\u011fi istikamete evrilme i\u015faretleri vermeye ba\u015flad\u0131. Merkez Bankas\u0131 verilerine g\u00f6re toplam kredi b\u00fcy\u00fcmesi 13 haftal\u0131k y\u0131ll\u0131kland\u0131r\u0131lm\u0131\u015f kur etkisinden ar\u0131nd\u0131r\u0131lm\u0131\u015f olarak y\u00fczde 20,46’ya y\u00fckseldi. Bir \u00f6nceki hafta y\u00fczde 18,89 seviyesinde olan b\u00fcy\u00fcme h\u0131zland\u0131. Bu h\u0131z\u0131n kayna\u011f\u0131 ise ticari kredilerdeki b\u00fcy\u00fcme oldu. 15 Eyl\u00fcl haftas\u0131nda 13 haftal\u0131k y\u0131ll\u0131kland\u0131r\u0131lm\u0131\u015f kur etkisinden ar\u0131nd\u0131r\u0131lm\u0131\u015f ticari kredi b\u00fcy\u00fcmesi y\u00fczde 11,29’a y\u00fckseldi. Bir \u00f6nceki hafta b\u00fcy\u00fcme h\u0131z\u0131 sadece y\u00fczde 8,11 seviyesinde bulunuyordu. 10 haftad\u0131r ise toplam ticari kredi b\u00fcy\u00fcmesi tek haneli seviyelerdeydi. Ticari kredi faizleri de 15 Eyl\u00fcl haftas\u0131nda bir \u00f6nceki haftaya g\u00f6re 205 baz puan artarak y\u00fczde 42,92’ye y\u00fckseldi. Politika faizinde 21 Eyl\u00fcl’de yap\u0131lan art\u0131\u015f ticari kredi faizinde y\u00fckseli\u015fin s\u00fcrece\u011finin de i\u015fareti. Ticari kredi faizinde art\u0131\u015f olsa da se\u00e7ici kredi politikas\u0131yla hem \u00f6zel hem de kamu bankalar\u0131nda ticari kredilerde b\u00fcy\u00fcme h\u0131zland\u0131. Bu ivme kamu bankalar\u0131nda daha \u00e7ok dikkat \u00e7ekiyor. Merkez Bankas\u0131 verilerine g\u00f6re kamu bankalar\u0131nda 13 haftal\u0131k y\u0131ll\u0131kland\u0131r\u0131lm\u0131\u015f kur etkisinden ar\u0131nd\u0131r\u0131lm\u0131\u015f ticari kredi b\u00fcy\u00fcmesi y\u00fczde 25,73’e \u00e7\u0131kt\u0131. Haftal\u0131k ticari kredi b\u00fcy\u00fcmesi ge\u00e7en aylarda y\u00fczde 20’nin alt\u0131na gerilemi\u015fti. Son haftalarda ise yeniden h\u0131z kazand\u0131. \u00d6zel bankalar ticari kredilerde haziran sonundan bu yana k\u00fc\u00e7\u00fclmeye gidiyor. Ancak \u00f6zel bankalar\u0131n bu tavr\u0131 15 Eyl\u00fcl haftas\u0131 itibariyle de\u011fi\u015fim g\u00f6sterdi. 15 Eyl\u00fcl’de \u00f6zel bankalarda ticari kredi daralmas\u0131 y\u00fczde 4,63’e geriledi. Bir \u00f6nceki hafta y\u00fczde 8 seviyelerinde bulunuyordu.<\/p>\n

T\u00fcketici kredileri aras\u0131nda ihtiya\u00e7 kredi faizi uzun s\u00fcredir y\u00fcksek seyrederken bankalar\u0131n da en fazla a\u011f\u0131rl\u0131k verdi\u011fi krediler aras\u0131nda geliyordu. 70 bin liraya kadar menkul k\u0131ymet tutma zorunlulu\u011fu kapsam\u0131 d\u0131\u015f\u0131nda kalan ihtiya\u00e7 kredilerinde bankac\u0131l\u0131k sekt\u00f6r\u00fc ayl\u0131k y\u00fczde 5,75\u2019e kadar varan faiz<\/a> oranlar\u0131 uyguluyor. Merkez Bankas\u0131 ortalama verilerine g\u00f6re ihtiya\u00e7 kredi faizi y\u0131ll\u0131k y\u00fczde 58,8 seviyesinde. Ancak ihtiya\u00e7 kredisinde h\u0131zl\u0131 b\u00fcy\u00fcme ekonomi y\u00f6netimi ve Merkez Bankas\u0131\u2019n\u0131n arzu etti\u011fi bir durum de\u011fil. Bozulan enflasyon beklentileri talebin \u00f6ne \u00e7ekilmesi ithal mallara ilgi cari a\u00e7\u0131\u011f\u0131 ve talep enflasyonunu olumsuz etkiliyor. Bakan \u015eim\u015fek de kredi kartlar\u0131nda ve t\u00fcketici kredilerindeki art\u0131\u015fa dikkat \u00e7ekerek \u00f6zellikle ta\u015f\u0131t kredilerinde de bir d\u00fczenlemeye gideceklerinin sinyalini vermi\u015fti. Bankac\u0131l\u0131k sekt\u00f6r\u00fcnde Merkez Bankas\u0131 verilerine g\u00f6re 13 haftal\u0131k y\u0131ll\u0131kland\u0131r\u0131lm\u0131\u015f ar\u0131nd\u0131r\u0131lmam\u0131\u015f olarak t\u00fcketici kredi b\u00fcy\u00fcme 15 Eyl\u00fcl haftas\u0131nda y\u00fczde 17,23’e geriledi. \u00d6nceki haftalarda y\u00fczde 20’nin \u00fczerinde seyreden b\u00fcy\u00fcmede sert bir frene bas\u0131ld\u0131. \u00d6zellikle kamu bankalar\u0131 t\u00fcketici kredilerinde resmen durdu. 15 Eyl\u00fcl haftas\u0131nda Merkez Bankas\u0131 verilerine g\u00f6re kamu bankalar\u0131nda 13 haftal\u0131k ortalama t\u00fcketici kredi b\u00fcy\u00fcmesi sadece y\u00fczde 0,17 oldu. \u00d6nceki haftalarda y\u00fczde 5’in \u00fczerinde b\u00fcy\u00fcme oranlar\u0131 bulunuyordu. \u00d6zel bankalar da kamu bankalar\u0131 kadar olmasa da t\u00fcketici kredi b\u00fcy\u00fcmesinde yava\u015flad\u0131. Verilere g\u00f6re \u00f6zel bankalarda 13 haftal\u0131k y\u0131ll\u0131kland\u0131r\u0131lm\u0131\u015f ar\u0131nd\u0131r\u0131lmam\u0131\u015f t\u00fcketici kredi b\u00fcy\u00fcmesi y\u00fczde 29,64’e geriledi. Ge\u00e7en haftalarda y\u00fczde 30’un \u00fczerinde h\u0131zl\u0131 bir art\u0131\u015f ya\u015fan\u0131yordu.<\/p>\n

Sekt\u00f6rde toplam krediler 10.5 trilyon liraya y\u00fckseldi<\/strong><\/span><\/h2>\n

Bankac\u0131l\u0131k<\/strong> D\u00fczenleme ve Denetleme Kurumu (BDDK) taraf\u0131ndan yay\u0131mlanan haftal\u0131k b\u00fcltene g\u00f6re, sekt\u00f6r\u00fcn kredi hacmi 15 Eyl\u00fcl itibar\u0131yla 40 milyar 161 milyon lira artt\u0131. S\u00f6z konusu d\u00f6nemde toplam kredi hacmi 10 trilyon 463 milyar 132 milyon liradan 10 trilyon 503 milyar 294 milyon liraya y\u00fckseldi. Bankac\u0131l\u0131k sekt\u00f6r\u00fcndeki toplam mevduat da (bankalar aras\u0131 d\u00e2hil) ge\u00e7en hafta 163 milyar 560 milyon lira artt\u0131. S\u00f6z konusu haftada y\u00fczde 1,3 artan bankac\u0131l\u0131k sekt\u00f6r\u00fc toplam mevduat\u0131, 13 trilyon 196 milyar 609 milyon lira oldu. Verilere g\u00f6re, t\u00fcketici kredileri tutar\u0131, 15 Eyl\u00fcl itibar\u0131yla 8 milyar 416 milyon lira azal\u0131\u015fla 1 trilyon 429 milyar 381 milyon liraya geriledi. S\u00f6z konusu kredilerin 446 milyar 640 milyon liras\u0131 konut, 86 milyar 805 milyon liras\u0131 ta\u015f\u0131t ve 895 milyar 936 milyon liras\u0131 ihtiya\u00e7 kredilerinden olu\u015ftu. S\u00f6z konusu d\u00f6nemde taksitli ticari kredilerin tutar\u0131 5 milyar 411 milyon lira artarak 1 trilyon 209 milyar 985 milyon liraya y\u00fckseldi. Bankalar\u0131n bireysel kredi kart\u0131 alacaklar\u0131 ise y\u00fczde 0,4 art\u0131\u015fla 928 milyar 327 milyon liraya \u00e7\u0131kt\u0131. Bireysel kredi kart\u0131 alacaklar\u0131n\u0131n 424 milyar 257 milyon liras\u0131 taksitli, 504 milyar 71 milyon liras\u0131 taksitsiz oldu.<\/p>\n

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[ad_1] \u015eEBNEM TURHAN Cumhurba\u015fkanl\u0131\u011f\u0131 se\u00e7imleri sonras\u0131nda yeni ekonomi ve Merkez Bankas\u0131 y\u00f6netiminin uygulad\u0131\u011f\u0131 parasal ve<\/p>\n","protected":false},"author":1,"featured_media":4856,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"class_list":["post-4855","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi"],"_links":{"self":[{"href":"https:\/\/egemhabertv.com\/index.php?rest_route=\/wp\/v2\/posts\/4855","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/egemhabertv.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/egemhabertv.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/egemhabertv.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/egemhabertv.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=4855"}],"version-history":[{"count":0,"href":"https:\/\/egemhabertv.com\/index.php?rest_route=\/wp\/v2\/posts\/4855\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/egemhabertv.com\/index.php?rest_route=\/wp\/v2\/media\/4856"}],"wp:attachment":[{"href":"https:\/\/egemhabertv.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4855"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/egemhabertv.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=4855"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/egemhabertv.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=4855"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}