{"id":63543,"date":"2025-10-24T11:15:16","date_gmt":"2025-10-24T08:15:16","guid":{"rendered":"https:\/\/www.egemtv.com\/?p=63543"},"modified":"2025-10-24T11:15:17","modified_gmt":"2025-10-24T08:15:17","slug":"dso-baskani-kasapoglu-krediye-erisim-kolaylasmadan-indirim-kararlari-sahaya-yansimiyor","status":"publish","type":"post","link":"https:\/\/www.egemtv.com\/?p=63543","title":{"rendered":"DSO Ba\u015fkan\u0131 Kasapo\u011flu: &#8220;Krediye eri\u015fim kolayla\u015fmadan indirim kararlar\u0131 sahaya yans\u0131m\u0131yor&#8221;"},"content":{"rendered":"<p>Denizli Sanayi Odas\u0131 Ba\u015fkan\u0131 Selim Kasapo\u011flu, T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131n\u0131n (TCMB) ekim ay\u0131 Para Politikas\u0131 Kurulu toplant\u0131s\u0131nda al\u0131nan faiz indirimi karar\u0131na ili\u015fkin yaz\u0131l\u0131 bir a\u00e7\u0131klamada bulundu.<br \/>\n<br \/>Kasapo\u011flu a\u00e7\u0131klamas\u0131nda &#8220;Bug\u00fcn politika faizi y\u00fczde 39,5\u2019e d\u00fc\u015fm\u00fc\u015f olabilir; ancak reel sekt\u00f6re yans\u0131yan kredi faizleri h\u00e2len y\u00fczde 49\u2019un \u00fczerinde seyretmektedir. Bu fark, i\u015fletmelerin yat\u0131r\u0131m planlar\u0131n\u0131 ertelemelerine, \u00fcretim ve istihdam kapasitelerinin bask\u0131 alt\u0131na girmesine yol a\u00e7maktad\u0131r.&#8221; de\u011ferlendirmesine yer verdi. Ayr\u0131ca, kararlar\u0131n reel etkilerine odaklanan ad\u0131mlar\u0131n h\u0131zla devreye al\u0131nmas\u0131 ve \u00fcretici kredisini t\u00fcketici kredisinden ayr\u0131\u015ft\u0131racak d\u00fczenlemelerin ger\u00e7ekle\u015ftirilmesi beklentisi i\u00e7inde olduklar\u0131n\u0131 vurgulad\u0131.<br \/>\n<br \/>\u00dcretici kredisi ve t\u00fcketici kredisinin ayr\u0131\u015ft\u0131r\u0131lmas\u0131 gerekti\u011fini belirten DSO Ba\u015fkan\u0131 Kasapo\u011flu  a\u00e7\u0131klamas\u0131nda, &#8220;Merkez Bankas\u0131\u2019n\u0131n ald\u0131\u011f\u0131 100 baz puanl\u0131k faiz indirimi karar\u0131n\u0131 olumlu kar\u015f\u0131lamakla birlikte, reel sekt\u00f6r\u00fcn ya\u015fad\u0131\u011f\u0131 ger\u00e7eklik ile politika kararlar\u0131 aras\u0131ndaki makas\u0131n giderek a\u00e7\u0131ld\u0131\u011f\u0131n\u0131 belirtmek isterim.<br \/>\n<br \/>Bug\u00fcn politika faizi y\u00fczde 39,5\u2019e d\u00fc\u015fm\u00fc\u015f olabilir; ancak reel sekt\u00f6re yans\u0131yan kredi faizleri h\u00e2len y\u00fczde 49\u2019un \u00fczerinde seyretmektedir. Bu fark, i\u015fletmelerin yat\u0131r\u0131m planlar\u0131n\u0131 ertelemelerine, \u00fcretim ve istihdam kapasitelerinin bask\u0131 alt\u0131na girmesine yol a\u00e7maktad\u0131r. Uzun s\u00fcredir vurgulad\u0131\u011f\u0131m\u0131z \u00fczere; Faiz indirimi kararlar\u0131na ra\u011fmen, bankalar\u0131n kredi b\u00fcy\u00fcme s\u0131n\u0131rlar\u0131ndaki kat\u0131l\u0131k reel sekt\u00f6r\u00fc zorlamaya devam etmektedir. \u00d6zellikle KOB\u0130\u2019ler ve ihracat\u00e7\u0131 firmalar i\u00e7in finansmana eri\u015fim neredeyse imk\u00e2ns\u0131z hale gelmi\u015ftir. Bir y\u0131l sonras\u0131 i\u00e7in enflasyon beklentisi y\u00fczde 20\u2019nin alt\u0131nda iken yakla\u015f\u0131k 50 puanl\u0131k piyasa faizi y\u00fcksek bir reel faiz olu\u015fturmaktad\u0131r.<br \/>\n<br \/>\u00dcretim ekonomisinin s\u00fcrd\u00fcr\u00fclebilirli\u011fi i\u00e7in, \u00fcretici kredilerinin t\u00fcketici kredilerinden ayr\u0131\u015ft\u0131r\u0131lmas\u0131 art\u0131k ka\u00e7\u0131n\u0131lmaz hale gelmi\u015ftir. Reel sekt\u00f6r\u00fcn ihtiya\u00e7lar\u0131na \u00f6zel, uzun vadeli, d\u00fc\u015f\u00fck maliyetli ve \u00fcretim odakl\u0131 bir kredi sistemine ge\u00e7ilmesi gerekmektedir.<br \/>\n<br \/>Beklentimiz, Merkez Bankas\u0131 ve ilgili t\u00fcm kurumlar\u0131n \u00f6n\u00fcm\u00fczdeki d\u00f6nemde kararlar\u0131n\u0131 sahadaki fiili finansman \u015fartlar\u0131 da dikkate alarak \u015fekillendirmesidir. \u00c7\u00fcnk\u00fc \u00fcretici i\u00e7in as\u0131l belirleyici olan, k\u00e2\u011f\u0131t \u00fczerindeki oran de\u011fil, bankadan ula\u015fabildi\u011fi reel faiz d\u00fczeyidir.<br \/>\n<br \/>Reel sekt\u00f6r olarak, \u00fcretimin, ihracat\u0131n ve istihdam\u0131n s\u00fcrd\u00fcr\u00fclebilirli\u011fi i\u00e7in sanayicinin \u00fczerindeki faiz y\u00fck\u00fcn\u00fcn hafifletilmesini ve finansmana eri\u015fimin kolayla\u015ft\u0131r\u0131lmas\u0131n\u0131 bir kez daha g\u00fc\u00e7l\u00fc bi\u00e7imde vurguluyoruz. T\u00fcrkiye ekonomisinin dayan\u0131kl\u0131l\u0131\u011f\u0131n\u0131n temeli \u00fcretimdir; \u00fcretim g\u00fcc\u00fcn\u00fc koruyamazsak, b\u00fcy\u00fcmenin de ihracat\u0131n da s\u00fcrd\u00fcr\u00fclebilirli\u011fini konu\u015famay\u0131z&#8221; ifadelerini kulland\u0131.<br \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Denizli Sanayi Odas\u0131 Ba\u015fkan\u0131 Selim Kasapo\u011flu, T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131n\u0131n (TCMB) ekim ay\u0131 Para Politikas\u0131 Kurulu toplant\u0131s\u0131nda al\u0131nan faiz indirimi karar\u0131na ili\u015fkin yaz\u0131l\u0131 bir a\u00e7\u0131klamada bulundu. Kasapo\u011flu a\u00e7\u0131klamas\u0131nda &#8220;Bug\u00fcn politika faizi y\u00fczde 39,5\u2019e d\u00fc\u015fm\u00fc\u015f olabilir; ancak reel sekt\u00f6re yans\u0131yan kredi faizleri h\u00e2len y\u00fczde 49\u2019un \u00fczerinde seyretmektedir. Bu fark, i\u015fletmelerin yat\u0131r\u0131m planlar\u0131n\u0131 ertelemelerine, \u00fcretim ve istihdam&#8230;<\/p>\n","protected":false},"author":1,"featured_media":63544,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_crdt_document":"","footnotes":""},"categories":[125],"tags":[],"class_list":["post-63543","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi"],"_links":{"self":[{"href":"https:\/\/www.egemtv.com\/index.php?rest_route=\/wp\/v2\/posts\/63543","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.egemtv.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.egemtv.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.egemtv.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.egemtv.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=63543"}],"version-history":[{"count":1,"href":"https:\/\/www.egemtv.com\/index.php?rest_route=\/wp\/v2\/posts\/63543\/revisions"}],"predecessor-version":[{"id":63545,"href":"https:\/\/www.egemtv.com\/index.php?rest_route=\/wp\/v2\/posts\/63543\/revisions\/63545"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.egemtv.com\/index.php?rest_route=\/wp\/v2\/media\/63544"}],"wp:attachment":[{"href":"https:\/\/www.egemtv.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=63543"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.egemtv.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=63543"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.egemtv.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=63543"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}