{"id":3060,"date":"2025-06-26T18:43:01","date_gmt":"2025-06-26T15:43:01","guid":{"rendered":"https:\/\/www.sektorturk.com.tr\/?p=3060"},"modified":"2025-06-26T18:47:44","modified_gmt":"2025-06-26T15:47:44","slug":"ekonomide-kapanisi-olmayan-borc-dongusu-ve-bankalarin-kar-zirveleri","status":"publish","type":"post","link":"https:\/\/www.sektorturk.com.tr\/?p=3060","title":{"rendered":"EKONOM\u0130DE KAPANI\u015eI OLMAYAN BOR\u00c7 D\u00d6NG\u00dcS\u00dc VE BANKALARIN K\u00c2R Z\u0130RVELER\u0130"},"content":{"rendered":"\n<p>G\u00fcn\u00fcm\u00fcz T\u00fcrkiye\u2019sinde vatanda\u015f\u0131n ekonomik hayat\u0131, artan yoksulluk ve azalan al\u0131m g\u00fcc\u00fc nedeniyle<br>giderek daha zorla\u015fmakta. Bu olumsuz tablo kar\u015f\u0131s\u0131nda bir\u00e7ok aile i\u00e7in kredi ve kredi kartlar\u0131, temel<br>ihtiya\u00e7lar\u0131 kar\u015f\u0131laman\u0131n adeta tek \u00e7aresi haline geldi. Ne yaz\u0131k ki bu tercihin bedeli ise y\u00fcksek faiz y\u00fck\u00fc<br>olarak geri d\u00f6n\u00fcyor. Bankalar\u0131n faiz gelirlerindeki rekor art\u0131\u015f, asl\u0131nda toplumdaki derin finansal<br>s\u0131k\u0131nt\u0131n\u0131n, bor\u00e7lanma \u00fczerinden nas\u0131l s\u00fcrd\u00fcr\u00fclemez bir hale geldi\u011finin a\u00e7\u0131k g\u00f6stergesi.<br><strong>KRED\u0130 VE KRED\u0130 KARTLARI, VATANDA\u015eIN \u201cSON KALES\u0130\u201d OLDU<\/strong><br>\u0130statistikler, T\u00fcrkiye\u2019de t\u00fcketici kredilerinden ve kredi kartlar\u0131ndan al\u0131nan faiz gelirlerinde ola\u011fan\u00fcst\u00fc<br>art\u0131\u015flar ya\u015fand\u0131\u011f\u0131n\u0131 ortaya koyuyor. Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu\u2019nun (BDDK)<br>verilerine g\u00f6re 2025 Nisan ay\u0131nda bankalar\u0131n toplam faiz geliri 2,46 trilyon liray\u0131 a\u015farken, ge\u00e7en y\u0131l\u0131n<br>ayn\u0131 d\u00f6nemine g\u00f6re y\u00fczde 54,53 gibi y\u00fcksek bir art\u0131\u015f ger\u00e7ekle\u015fti. T\u00fcketici kredilerinden al\u0131nan faiz<br>getirisi y\u00fczde 49, kredi kart\u0131 faizleri ise y\u00fczde 55,7 y\u00fckseldi. Bu rakamlar sadece bankalar\u0131n k\u00e2r\u0131n\u0131<br>de\u011fil, ayn\u0131 zamanda vatanda\u015f\u0131n \u00f6deme g\u00fc\u00e7l\u00fc\u011f\u00fcn\u00fc ve artan bor\u00e7 y\u00fck\u00fcn\u00fc de net bi\u00e7imde yans\u0131t\u0131yor.<br>Vatanda\u015flar al\u0131m g\u00fcc\u00fcn\u00fcn azalmas\u0131 kar\u015f\u0131s\u0131nda temel harcamalar\u0131n\u0131 bile kar\u015f\u0131layabilmek i\u00e7in kredi<br>kullanmak zorunda kal\u0131yor. Bu kredi kullan\u0131m\u0131 ise \u00f6zellikle y\u00fcksek faiz oranlar\u0131 nedeniyle \u00f6deme<br>g\u00fc\u00e7l\u00fc\u011f\u00fcne, dolay\u0131s\u0131yla takipteki kredi oranlar\u0131n\u0131n artmas\u0131na yol a\u00e7\u0131yor. Takipteki kredilerden elde<br>edilen faiz gelirindeki y\u00fczde 150,5\u2019lik art\u0131\u015f, bu riskin boyutunu a\u00e7\u0131k\u00e7a ortaya koyuyor. Yani bankalar<br>sadece sa\u011flam kredilerden de\u011fil, \u00f6deme s\u0131k\u0131nt\u0131s\u0131 ya\u015fayan vatanda\u015flar\u0131n bor\u00e7lar\u0131ndan da y\u00fcksek faiz<br>geliri elde ediyor.<br><strong>FA\u0130Z SARMALI: VATANDA\u015eIN BOR\u00c7 Y\u00dcK\u00dc HIZLA B\u00dcY\u00dcYOR<\/strong><br>Bug\u00fcn T\u00fcrkiye\u2019de vatanda\u015f\u0131n kredi ve kredi kart\u0131 bor\u00e7lar\u0131, uzun vadede s\u00fcrd\u00fcr\u00fclebilir olmaktan \u00e7ok<br>uzak. \u00c7\u00fcnk\u00fc faiz oranlar\u0131 y\u00fcksek oldu\u011fu gibi, al\u0131m g\u00fcc\u00fcn\u00fcn azalmas\u0131 ile bor\u00e7lanma ihtiyac\u0131 art\u0131yor;<br>bor\u00e7lar zaman\u0131nda \u00f6denemeyince de \u00fczerine faiz binerek toplam bor\u00e7 daha da b\u00fcy\u00fcyor. Bu d\u00f6ng\u00fc bir<br>sarmal halini al\u0131yor ve vatanda\u015f finansal a\u00e7\u0131dan \u00e7\u0131kmaza s\u00fcr\u00fckleniyor. \u00d6zellikle d\u00fc\u015f\u00fck ve orta gelirli<br>kesimler i\u00e7in kredi kullanmak, ge\u00e7ici bir \u00e7\u00f6z\u00fcm de\u011fil, kal\u0131c\u0131 bir bor\u00e7 y\u00fck\u00fc yarat\u0131yor.<br>Bu durumun en b\u00fcy\u00fck ma\u011fduru ise geni\u015f halk kesimleri. Zira gelirlerin reel anlamda d\u00fc\u015fmesi ve artan<br>hayat pahal\u0131l\u0131\u011f\u0131 kar\u015f\u0131s\u0131nda, vatanda\u015flar ya kredi kart\u0131 ekstrelerini \u00f6deyemiyor ya da t\u00fcketici<br>kredilerinin faiz y\u00fck\u00fcn\u00fc kar\u015f\u0131lamak i\u00e7in yeni bor\u00e7lara giriyor. Bu sistemin i\u00e7inde b\u00fcy\u00fcyen faiz gelirleri<br>ise bankalar\u0131n k\u00e2r\u0131n\u0131 rekor seviyeye ta\u015f\u0131yor. Yani halk\u0131n bor\u00e7 y\u00fck\u00fc, bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn gelir<br>rekorlar\u0131yla paralel art\u0131yor.<br><strong>BANKALAR K\u00c2R ETMEYE DEVAM ED\u0130YOR, VATANDA\u015e YOKSULLU\u011eA MAHK\u00dbM<\/strong><br>Bankalar\u0131n t\u00fcketici kredilerinden ve kredi kartlar\u0131ndan elde etti\u011fi faiz gelirindeki y\u00fczde 50\u2019nin<br>\u00fczerindeki art\u0131\u015f, finans sekt\u00f6r\u00fcn\u00fcn bu d\u00f6nemde kazand\u0131\u011f\u0131 b\u00fcy\u00fck pastay\u0131 g\u00f6steriyor. Ancak bu k\u00e2r,<br>asl\u0131nda toplumun genel refah\u0131n\u0131n de\u011fil, finansal bask\u0131n\u0131n g\u00f6stergesi olarak okunmal\u0131. Bankalar<br>a\u00e7\u0131s\u0131ndan bu durum, s\u00fcrd\u00fcr\u00fclebilir ve k\u00e2rl\u0131 bir i\u015f modeli demek; vatanda\u015f a\u00e7\u0131s\u0131ndan ise giderek<br>b\u00fcy\u00fcyen bor\u00e7 y\u00fck\u00fc, artan yoksulluk ve finansal \u00e7\u0131kmaz anlam\u0131na geliyor.<br>\u00dcstelik takipteki kredilerden elde edilen faiz gelirinin y\u00fczde 150\u2019nin \u00fczerinde artmas\u0131, bir\u00e7ok<br>vatanda\u015f\u0131n borcunu zaman\u0131nda \u00f6deyemedi\u011finin ve bankalar\u0131n da bu bor\u00e7lardan faiz geliri \u00fcretmeye<br>devam etti\u011finin ifadesi. Bu tablo, finansal kriz belirtileri ta\u015f\u0131makta ve acilen vatanda\u015f\u0131n bor\u00e7 y\u00fck\u00fcn\u00fc<br>hafifletecek, faiz oranlar\u0131n\u0131 makul seviyelere \u00e7ekecek, ekonomik refah\u0131 art\u0131racak politikalar\u0131n devreye<br>al\u0131nmas\u0131 gerekti\u011fine i\u015faret ediyor.<br><strong>ALIM G\u00dcC\u00dc D\u00dc\u015eERKEN KRED\u0130YE BA\u011eIMLILIK ARTIYOR: REEL EKONOM\u0130 \u0130\u00c7\u0130N TEHL\u0130KE<\/strong><\/p>\n\n\n\n<p>T\u00fcrkiye ekonomisinin uzun s\u00fcredir ya\u015fad\u0131\u011f\u0131 enflasyonist bask\u0131, artan fiyatlar ve \u00fccretlerin reel<br>anlamda erimesi, vatanda\u015f\u0131n temel ihtiya\u00e7lar\u0131 kar\u015f\u0131lamas\u0131n\u0131 g\u00fc\u00e7le\u015ftiriyor. Bu ortamda kredi ve kredi<br>kart\u0131 kullan\u0131m\u0131 bir ihtiya\u00e7 olmaktan \u00e7\u0131k\u0131p, bir zorunluluk haline geliyor. Ancak bu ge\u00e7ici \u00e7\u00f6z\u00fcm, y\u00fcksek<br>faizlerle bor\u00e7lanmay\u0131 b\u00fcy\u00fct\u00fcyor ve mali a\u00e7\u0131dan daha k\u0131r\u0131lgan bir toplum yarat\u0131yor.<br>Kredi kartlar\u0131n\u0131n faiz oranlar\u0131 \u00f6zellikle \u00e7ok y\u00fcksek seviyelerde seyrediyor ve bu durum t\u00fcketicilerin<br>\u00f6deme zorluklar\u0131n\u0131 daha da art\u0131r\u0131yor. Faiz y\u00fck\u00fc sadece borcun ana paras\u0131n\u0131 de\u011fil, borcun \u00fczerine<br>s\u00fcrekli bindirilen ek maliyetleri de i\u00e7eriyor. Bankalar\u0131n faiz gelirlerinin artmas\u0131, t\u00fcketicinin<br>\u00f6deyemedi\u011fi y\u00fcksek faizlerin bankalar\u0131n gelirine yans\u0131mas\u0131 anlam\u0131na geliyor. Bu da finans sekt\u00f6r\u00fcn\u00fcn<br>kar maksimizasyonu ile vatanda\u015f\u0131n bor\u00e7 y\u00fck\u00fcn\u00fcn art\u0131\u015f\u0131 aras\u0131nda do\u011frudan ili\u015fki kuruyor.<br><strong>NE YAPILMALI? \u00c7\u00d6Z\u00dcM \u00d6NER\u0130LER\u0130 VE POL\u0130T\u0130K ADIMLAR<\/strong><br>Bu olumsuz tabloyu de\u011fi\u015ftirmek i\u00e7in \u00f6ncelikle vatanda\u015f\u0131n krediye ba\u011f\u0131ml\u0131l\u0131\u011f\u0131n\u0131 azaltacak ekonomik<br>politikalar\u0131n uygulanmas\u0131 \u015fart. Enflasyonun kontrol alt\u0131na al\u0131nmas\u0131, reel \u00fccret art\u0131\u015flar\u0131n\u0131n sa\u011flanmas\u0131<br>ve ya\u015fam maliyetlerinin d\u00fc\u015f\u00fcr\u00fclmesi, bireylerin kredi ihtiyac\u0131n\u0131 azaltabilir.<br>Faiz oranlar\u0131n\u0131n y\u00fcksekli\u011finin makul seviyelere \u00e7ekilmesi, t\u00fcketici kredilerinin ve kredi kartlar\u0131n\u0131n<br>maliyetlerinin d\u00fc\u015f\u00fcr\u00fclmesi, vatanda\u015f\u0131n bor\u00e7 \u00f6deme kapasitesini art\u0131racakt\u0131r. Ayr\u0131ca takipteki<br>kredilerin azalt\u0131lmas\u0131 i\u00e7in bor\u00e7 yap\u0131land\u0131rma, faiz indirimleri ve sosyal destek mekanizmalar\u0131 devreye<br>al\u0131nmal\u0131d\u0131r.<br>Finansal okuryazarl\u0131\u011f\u0131n art\u0131r\u0131lmas\u0131 ve t\u00fcketicilerin bor\u00e7 y\u00f6netimi konusunda bilin\u00e7lendirilmesi, kredi<br>kullan\u0131m\u0131n\u0131n s\u00fcrd\u00fcr\u00fclebilir hale getirilmesine katk\u0131 sa\u011flar.<br>Sonu\u00e7 olarak, bankalar\u0131n faiz gelirlerindeki rekor art\u0131\u015f, sadece finans sekt\u00f6r\u00fcn\u00fcn k\u00e2r\u0131n\u0131 de\u011fil, T\u00fcrkiye<br>toplumunun ekonomik a\u00e7\u0131dan i\u00e7inde bulundu\u011fu zor durumu da g\u00f6zler \u00f6n\u00fcne seriyor. Bu durumun<br>s\u00fcrd\u00fcr\u00fclebilirli\u011fi yok ve \u00e7\u00f6z\u00fcm, vatanda\u015f\u0131n ekonomik refah\u0131n\u0131n art\u0131r\u0131lmas\u0131, bor\u00e7 sarmal\u0131n\u0131n k\u0131r\u0131lmas\u0131<br>ve ekonomik b\u00fcy\u00fcmenin tabana yay\u0131lmas\u0131 ile m\u00fcmk\u00fcn olabilir.<br>ZAFER \u00d6ZC\u0130VAN<br>Ekonomist-Yazar<br>zozcivan@hotmail.com<\/p>\n","protected":false},"excerpt":{"rendered":"<p>G\u00fcn\u00fcm\u00fcz T\u00fcrkiye\u2019sinde vatanda\u015f\u0131n ekonomik hayat\u0131, artan yoksulluk ve azalan al\u0131m g\u00fcc\u00fc nedeniylegiderek daha zorla\u015fmakta. Bu olumsuz tablo kar\u015f\u0131s\u0131nda bir\u00e7ok aile i\u00e7in kredi ve kredi kartlar\u0131, temelihtiya\u00e7lar\u0131 kar\u015f\u0131laman\u0131n adeta tek \u00e7aresi&hellip;<\/p>\n","protected":false},"author":7,"featured_media":3061,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[26,267],"tags":[290,289,287,288],"class_list":["post-3060","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kose-yazarlari","category-zafer-ozcivan","tag-bankalar","tag-borc","tag-ekonomi-2","tag-kapnis"],"_links":{"self":[{"href":"https:\/\/www.sektorturk.com.tr\/index.php?rest_route=\/wp\/v2\/posts\/3060","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sektorturk.com.tr\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.sektorturk.com.tr\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.sektorturk.com.tr\/index.php?rest_route=\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sektorturk.com.tr\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=3060"}],"version-history":[{"count":1,"href":"https:\/\/www.sektorturk.com.tr\/index.php?rest_route=\/wp\/v2\/posts\/3060\/revisions"}],"predecessor-version":[{"id":3062,"href":"https:\/\/www.sektorturk.com.tr\/index.php?rest_route=\/wp\/v2\/posts\/3060\/revisions\/3062"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sektorturk.com.tr\/index.php?rest_route=\/wp\/v2\/media\/3061"}],"wp:attachment":[{"href":"https:\/\/www.sektorturk.com.tr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=3060"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.sektorturk.com.tr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=3060"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sektorturk.com.tr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=3060"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}