\u015eebnem TURHAN<\/strong><\/p>\n Merkez Bankas\u0131\u2019n\u0131n ay ba\u015f\u0131nda reeskont kredi faizi oran\u0131 hesaplanmas\u0131nda yapt\u0131\u011f\u0131 g\u00fcncelleme reeskont kredi faiz oran\u0131n\u0131n y\u00fczde 23-24 seviyelerine gerilemesini sa\u011flad\u0131. Cazip faiz oran\u0131 ihracat\u00e7\u0131n\u0131n talebinin olduk\u00e7a h\u0131zl\u0131 artmas\u0131na neden olurken g\u00fcnl\u00fck 1 milyar lira limit bankalara yetmiyor.<\/p>\n Merkez Bankas\u0131\u2019n\u0131n politika faizinde yapt\u0131\u011f\u0131 art\u0131\u015flar sonras\u0131nda faiz oran\u0131na y\u00f6nelik \u015fikayetler art\u0131nca yeni bir d\u00fczenleme ile cazip hale getirilen reeskont kredilerine ihracat\u00e7\u0131lardan h\u00fccum var. Y\u00fczde 24 faizle kullan\u0131labilen reeskont kredilerine talep patlay\u0131nca bankalar limitlerini doldurdu. Merkez Bankas\u0131\u2019n\u0131n belirledi\u011fi g\u00fcnl\u00fck 3 milyar liral\u0131k kredi limitinin 2 milyar liras\u0131n\u0131 do\u011frudan Eximbank 1 milyar liras\u0131n\u0131 ise bankalar kulland\u0131r\u0131yor. Bankac\u0131l\u0131k sekt\u00f6r\u00fc kaynaklar\u0131 talebe yeti\u015femediklerini ve bankalarda s\u0131ra oldu\u011funu belirterek banka limitlerinin hemen doldu\u011funu vurgulad\u0131. Eximbank\u2019a yak\u0131n kaynaklar ise reeskont kredisini \u2018dolu dolu\u2019 kulland\u0131rd\u0131klar\u0131na i\u015faret ederken limit art\u0131r\u0131m\u0131nda yetkinin Merkez Bankas\u0131\u2019nda oldu\u011funu vurgulad\u0131. Bankac\u0131l\u0131k sekt\u00f6r\u00fc banka baz\u0131 limitlerde g\u00fcncelleme istiyor.<\/p>\n Yeni Merkez Bankas\u0131 ve ekonomi<\/a> y\u00f6netiminin i\u015f ba\u015f\u0131na geldi\u011finden bu yana reeskont kredi limitleri 10 kat art\u0131r\u0131ld\u0131. Temmuz ortas\u0131na kadar g\u00fcnl\u00fck 300 milyon lira olan reeskont kredi limiti \u00f6nce 25 Temmuz\u2019da 1.5 milyar liraya, ard\u0131ndan 12 Eyl\u00fcl\u2019de 3 milyar liraya \u00e7\u0131kar\u0131ld\u0131. Ayn\u0131 zamanda limit art\u0131r\u0131m\u0131 s\u0131ras\u0131nda Merkez Bankas\u0131 reeskont kredilerinin kulland\u0131r\u0131lmas\u0131nda KOB\u0130 pay\u0131n\u0131n art\u0131r\u0131lmas\u0131na ve ihracat performans\u0131n\u0131n dikkate al\u0131nmas\u0131na devam edilece\u011fini vurgulad\u0131. Ancak limit art\u0131r\u0131mlar\u0131 ihracat\u00e7\u0131n\u0131n s\u0131k\u0131nt\u0131lar\u0131n\u0131 \u00e7\u00f6zmeye yeterli olmad\u0131. \u00c7\u00fcnk\u00fc Merkez Bankas\u0131\u2019n\u0131n faiz art\u0131r\u0131mlar\u0131 ve reeskont kredilerinin faiz \u00f6demelerinin pe\u015fin yap\u0131lmas\u0131 maliyetin olduk\u00e7a artmas\u0131na neden oldu.<\/p>\n Reeskont d\u00f6nem sonu faizleri y\u00fczde 45’e kadar \u00e7\u0131kt\u0131 ve ihracat\u00e7\u0131lar\u0131n ticari kredi faizlerinin de \u00fczerinde reeskont kredisi kullanmas\u0131 gerekti. EKONOM\u0130 Gazetesi’nin ihracat\u00e7\u0131lar\u0131n y\u00fcksek faiz<\/a> \u015fikayetlerini aktarmas\u0131n\u0131n ard\u0131ndan Merkez Bankas\u0131 ekim ba\u015f\u0131nda yeni bir karar ald\u0131 reeskont kredilerde finansman maliyetinin 15 puan azalaca\u011f\u0131n\u0131 duyurdu. Merkez Bankas\u0131’ndan bankalara g\u00f6nderilen uygulama talimat\u0131nda reeskont kredi faizi hesaplama y\u00f6nteminin g\u00fcncellendi\u011fi ve reeskont kredilerinin toplam faiz yani d\u00f6nem sonu faiz maliyetinin Merkez Bankas\u0131 politika faizi seviyesini a\u015fmayaca\u011f\u0131 duyuruldu.<\/p>\n Bu de\u011fi\u015fiklik sonras\u0131nda ise reeskont kredi faizleri Eximbank\u2019ta y\u00fczde 23\u2019e, bankalarda ise art\u0131 1 puan komisyon ile y\u00fczde 24\u2019e kadar geriledi. Bu cazip faiz oranlar\u0131 ise ihracat\u00e7\u0131n\u0131n reeskont kredilerine olan talebinin olduk\u00e7a h\u0131zl\u0131 artmas\u0131na neden oldu. Eximbank\u2019a yak\u0131n kaynaklardan edinilen bilgiye g\u00f6re 3 milyar liral\u0131k g\u00fcnl\u00fck limitin 2 milyar liras\u0131 direkt Eximbank \u00fczerinden kalan 1 milyar liras\u0131 ise bankalar \u00fczerinden kulland\u0131r\u0131l\u0131yor. Ancak bankac\u0131l\u0131k sekt\u00f6r\u00fc kaynaklar\u0131 1 milyar liran\u0131n bankalara belli oranlarda da\u011f\u0131t\u0131ld\u0131\u011f\u0131n\u0131 ve y\u00fcksek talebi bu limitle kar\u015f\u0131layamad\u0131klar\u0131na dikkat \u00e7ekti.<\/p>\n Eximbank kaynaklar\u0131ndan edinilen bilgiye g\u00f6re bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn reeskont kredilerde limitleri 2019 \u00f6ncesine g\u00f6re olduk\u00e7a y\u00fckseltildi. 2019 \u00f6ncesinde g\u00fcnl\u00fck limitin 7\u2019de 1\u2019i bankac\u0131l\u0131k sekt\u00f6r\u00fcne verilirken 6\u2019s\u0131 Eximbank\u2019a tan\u0131mlan\u0131yordu. \u015eimdi ise 3\u2019te biri bankalarda ikisi ise Eximbank\u2019ta bulunuyor. 1 milyar liral\u0131k g\u00fcnl\u00fck limit banka baz\u0131nda da\u011f\u0131t\u0131l\u0131yor. Eximbank\u2019a yak\u0131n kaynaklar g\u00fcnl\u00fck 2 milyar liral\u0131k limitin dolu dolu kulland\u0131r\u0131ld\u0131\u011f\u0131na i\u015faret ederken bankac\u0131l\u0131k sekt\u00f6r\u00fcndeki 1 milyar liran\u0131n art\u0131r\u0131lmas\u0131 konusunda karar vericinin ise Merkez Bankas\u0131 oldu\u011funa dikkat \u00e7ekti.<\/p>\n Bankac\u0131l\u0131k sekt\u00f6r\u00fc kaynaklar\u0131 ise reeskont kredi faizi oranlar\u0131n\u0131n \u00e7ok cazip oldu\u011funu fakat s\u0131n\u0131rlamalar nedeniyle bankalar\u0131n yeterince kulland\u0131rma sa\u011flayamad\u0131klar\u0131na i\u015faret etti. G\u00fcnl\u00fck banka \u00f6zelinde sa\u011flanan limitin k\u0131sa s\u00fcrede bitti\u011fini ciddi oranda bekleyen ihracat\u00e7\u0131 bulundu\u011funa vurgu yapan bankac\u0131l\u0131k sekt\u00f6r\u00fc kayna\u011f\u0131 daha fazla reeskont kredisi kulland\u0131rabilmek i\u00e7in g\u00fcnl\u00fck limitte art\u0131\u015f yap\u0131lmas\u0131n\u0131n ka\u00e7\u0131n\u0131lmaz oldu\u011funa dikkat \u00e7ekti.<\/p>\n Eximbank\u2019a yak\u0131n kaynaklar reeskont kredilerinin Merkez Bankas\u0131 kayna\u011f\u0131n\u0131 banka \u00fczerinden ihracat\u00e7\u0131ya aktar\u0131lmas\u0131 oldu\u011funu belirterek uygun maliyetli oldu\u011fu i\u00e7in bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn de bu kredi t\u00fcr\u00fcn\u00fc bir \u00e7\u0131pa olarak kulland\u0131\u011f\u0131n\u0131 ve m\u00fc\u015fteri verimi olu\u015fturmaya \u00e7al\u0131\u015ft\u0131\u011f\u0131n\u0131 dile getirdi. \u00d6te yandan Eximbank\u2019\u0131n \u00f6zkayna\u011f\u0131 ile kar\u015f\u0131lad\u0131\u011f\u0131 ihracat\u00e7\u0131lara kulland\u0131rd\u0131\u011f\u0131 di\u011fer krediler de oldu\u011funu s\u00f6yleyen kaynak bunun limitinin ise \u00f6zkaynak b\u00fcy\u00fckl\u00fc\u011f\u00fc ile s\u0131n\u0131rl\u0131 oldu\u011funu vurgulad\u0131. Eximbank\u2019\u0131n ihracat kredisini y\u00fczde 37 faiz oran\u0131yla kulland\u0131rd\u0131\u011f\u0131n\u0131 bunun da bankalar arac\u0131l\u0131\u011f\u0131yla kulland\u0131rmalar\u0131 durumunda bankan\u0131n yine 1 puanl\u0131k komisyon ile y\u00fczde 38 faiz oran\u0131 uygulad\u0131\u011f\u0131n\u0131 belirten kaynaklar Eximbank\u2019\u0131n 38 milyar lira \u00f6zkayna\u011f\u0131 oldu\u011funu hat\u0131rlatt\u0131.<\/p>\nD\u00f6nem sonu faizi y\u00fcksek seviyelere geldi<\/h2>\n
![\"\"](\"https:\/\/i.ekonomim.com\/storage\/files\/images\/2023\/10\/22\/sebnem-tablo-zyiw.jpg\")
<\/p>\nReeskont kredi faizi hesaplama y\u00f6ntemi de\u011fi\u015fti<\/h2>\n
G\u00fcnl\u00fck 1 milyar liras\u0131 bankalardan kulland\u0131r\u0131l\u0131yor<\/h2>\n
Eximbank \u2018dolu dolu\u2019 kulland\u0131r\u0131yor<\/h2>\n
\u0130hracat\u00e7\u0131 reeskont kredi s\u0131ras\u0131nda bekliyor<\/h2>\n
Di\u011fer ihracat kredileri limiti \u00f6zkaynakla s\u0131n\u0131rl\u0131<\/h2>\n
Bu y\u0131l rezervlere katk\u0131 beklentisi 4.33 milyar dolar<\/h2>\n