T\u00dcS\u0130AD Ba\u015fkan\u0131 Simone Kaslowski, \u201cBankac\u0131l\u0131k sekt\u00f6r\u00fcnde sorunlu olma potansiyeli olan kredilerin belirlenmesi, s\u0131n\u0131fland\u0131r\u0131lmas\u0131 ve duruma \u00f6zel \u00e7\u00f6z\u00fcmler \u00fcretilmesi gerekiyor. Bu kredileri bankalar\u0131n bilan\u00e7olar\u0131n\u0131n d\u0131\u015f\u0131na \u00e7\u0131karacak mekanizmalar\u0131n tasarlanmas\u0131 bankac\u0131l\u0131k sekt\u00f6r\u00fcm\u00fcz\u00fcn ekonomiye taze kredi sa\u011flayabilmesi a\u00e7\u0131s\u0131ndan son derece \u00f6nemli. Bug\u00fcn en acil ihtiyac\u0131m\u0131z biriken risklerimizi azaltmak\u201d dedi.<\/p>\n
T\u00fcrk Sanayicileri ve \u0130\u015f \u0130nsanlar\u0131 Derne\u011fi (T\u00dcS\u0130AD) Simone Kaslowski, T\u00dcS\u0130AD ve Ko\u00e7 \u00dcniversitesi ortakl\u0131\u011f\u0131 ile olu\u015fturulan Ekonomik Ara\u015ft\u0131rma Forumu (EAF) taraf\u0131ndan “T\u00fcrkiye Ekonomisinde Finansal Riskler ve F\u0131rsatlar\u201d ba\u015fl\u0131kl\u0131 konferans\u0131n a\u00e7\u0131l\u0131\u015f\u0131nda konu\u015ftu.<\/p>\n
Kaslowski, T\u00fcrkiye\u2019de bankac\u0131l\u0131k sisteminin 2001 krizinden sonra yap\u0131lan reformlar sayesinde b\u00fcy\u00fck bir geli\u015fim g\u00f6sterdi\u011fini s\u00f6yleyerek, \u201cGerek g\u00fc\u00e7l\u00fc sermaye yap\u0131s\u0131 gerekse teknolojik alt yap\u0131s\u0131yla bir\u00e7ok geli\u015fmi\u015f \u00fclkenin g\u0131pta ile bakt\u0131\u011f\u0131 bir bankac\u0131l\u0131k sistemine sahibiz. K\u00fcresel krizden bu yana geli\u015fmekte olan \u00fclkelere akan sermaye T\u00fcrkiye\u2019de de a\u011f\u0131rl\u0131kl\u0131 olarak bankac\u0131l\u0131k sekt\u00f6r\u00fc \u00fczerinden ekonomiye katk\u0131 sa\u011flad\u0131. Y\u00fcksek b\u00fcy\u00fcmeyi ve yat\u0131r\u0131mlar\u0131m\u0131z\u0131 bu finansman destekledi.<\/p>\n
Bug\u00fcn en acil ihtiyac\u0131m\u0131z biriken risklerimizi azaltmak<\/p>\n
Tabii bu h\u0131zl\u0131 sermaye giri\u015fi b\u00fcy\u00fcme ve yat\u0131r\u0131mlar\u0131n yan\u0131nda birtak\u0131m finansal risklerin de birikmesine neden oldu. D\u0131\u015f borcumuz h\u0131zl\u0131 artt\u0131 ve reel sekt\u00f6r bug\u00fcn artan finansman maliyetleri ve bor\u00e7 y\u00fck\u00fc alt\u0131nda zorlan\u0131yor. TL\u2019nin h\u0131zl\u0131 de\u011fer kaybetti\u011fi her d\u00f6nem bilan\u00e7olara ek y\u00fck biniyor ve reel sekt\u00f6r\u00fcn yat\u0131r\u0131m yapma ve istihdam olu\u015fturma kapasitesi d\u00fc\u015f\u00fcyor.<\/p>\n
Bug\u00fcn en acil ihtiyac\u0131m\u0131z biriken risklerimizi azaltmak\u201d dedi.<\/p>\n
Bankac\u0131l\u0131k sekt\u00f6r\u00fcnde sorunlu olma potansiyeli olan kredilerin belirlenmesi, s\u0131n\u0131fland\u0131r\u0131lmas\u0131 ve duruma \u00f6zel \u00e7\u00f6z\u00fcmler \u00fcretilmesi gerekti\u011finin alt\u0131n\u0131 \u00e7izen Kaslowski, \u201cBu kredileri bankalar\u0131n bilan\u00e7olar\u0131n\u0131n d\u0131\u015f\u0131na \u00e7\u0131karacak mekanizmalar\u0131n tasarlanmas\u0131 bankac\u0131l\u0131k sekt\u00f6r\u00fcm\u00fcz\u00fcn ekonomiye taze kredi sa\u011flayabilmesi a\u00e7\u0131s\u0131ndan son derece \u00f6nemli. Elbette bu mekanizmalar\u0131n i\u015fler hale gelmesi \u00f6nemli bir fon kayna\u011f\u0131 gerektirecektir. Bu fonun ne kadar b\u00fcy\u00fckl\u00fckte oldu\u011fu ancak t\u00fcm bankac\u0131l\u0131k sekt\u00f6r\u00fcnde uygulanacak analiz ve tespitlerle m\u00fcmk\u00fcn olabilir.<\/p>\n
\u015eunu belirtmeliyiz ki \u00f6zel sekt\u00f6r bor\u00e7 sorunuyla kar\u015f\u0131 kar\u015f\u0131ya kalm\u0131\u015f tek \u00fclke biz de\u011filiz. Bir\u00e7ok \u00fclke farkl\u0131 boyut ve ko\u015fullarda bu sorunu ya\u015fad\u0131 ve \u00e7\u00f6zd\u00fc. Bizim de ba\u015farmam\u0131z\u0131n \u00f6n\u00fcnde hi\u00e7bir engel yok. Ama bunun ilk ko\u015fulu yap\u0131lan yanl\u0131\u015flar\u0131 kabul etmek ve bir daha tekrarlamamak i\u00e7in gerekli dersleri \u00e7\u0131karmak.<\/p>\n
Bu b\u00fcy\u00fck s\u0131namalara ve sorunlara kar\u015f\u0131 durabilmek i\u00e7in devletimizin alaca\u011f\u0131 \u00f6nlemleri ve ataca\u011f\u0131 somut ad\u0131mlar\u0131 bekliyoruz ve destekliyoruz\u201d ifadelerini kulland\u0131.<\/p>\n
\u201cArtan dolarizasyonu engellemek i\u00e7in yapmam\u0131z gereken; enflasyonu en k\u0131sa s\u00fcrede d\u00fc\u015f\u00fcrmektir\u201d<\/p>\n
Kaslowski, \u201cfinansal sistemimizde riskleri azaltmak ve yenilerinin olu\u015fmas\u0131n\u0131 engellemek i\u00e7in makro d\u00fczeyde de tedbirler almam\u0131z gerekiyor\u201d diyerek, \u015funlar\u0131 kaydetti: \u201cFinansal istikrar\u0131n ilk ko\u015fulu d\u00fc\u015f\u00fck ve stabil bir enflasyon oran\u0131n\u0131 sa\u011flamakt\u0131r. Son d\u00f6nemde enflasyonun d\u00f6viz kuru art\u0131\u015f\u0131ndan beslendi\u011fini g\u00f6r\u00fcyoruz. Artan dolarizasyonu engellemek i\u00e7in yapmam\u0131z gereken enflasyonu en k\u0131sa s\u00fcrede d\u00fc\u015f\u00fcrmektir. Bu do\u011frultuda ad\u0131mlar atabilirsek olu\u015facak g\u00fcven dalgas\u0131 ile bug\u00fcnk\u00fc zorluklardan kurtulmam\u0131z h\u0131zlanacak ve kolayla\u015facakt\u0131r. Att\u0131\u011f\u0131m\u0131z her do\u011fru politika ad\u0131m\u0131 sadece k\u0131sa vadede de\u011fil orta ve uzun vadede de olumlu etki olu\u015fturacakt\u0131r.\u201d<\/p>\n
\u201c\u00c7\u00f6zemeyece\u011fimiz hi\u00e7bir sorun yok\u201d<\/p>\n
Kaslowski son olarak \u015funlar\u0131 kaydetti: \u201c\u00dclkemizin potansiyeli son derece y\u00fcksek. Son y\u0131llarda ister siyasi ister ekonomik kar\u015f\u0131la\u015ft\u0131\u011f\u0131m\u0131z pek \u00e7ok \u015fok kar\u015f\u0131s\u0131nda \u00f6nemli bir direncimiz oldu\u011funu kan\u0131tlad\u0131k. Bu direncin kayna\u011f\u0131nda; insan kayna\u011f\u0131m\u0131z, sa\u011fduyulu ve g\u00fc\u00e7l\u00fc bir bankac\u0131l\u0131k sekt\u00f6r\u00fcm\u00fcz ve en k\u00f6t\u00fc belirsizlik ortam\u0131nda dahi ayakta kalmay\u0131 ba\u015farabilen g\u00fc\u00e7l\u00fc bir reel sekt\u00f6r\u00fcm\u00fcz var. Bug\u00fcn sorunlar\u0131m\u0131z k\u00fc\u00e7\u00fcmsenecek boyutlarda de\u011fil ama \u00e7\u00f6zemeyece\u011fimiz hi\u00e7bir sorun da yok. Yeter ki ger\u00e7ek\u00e7i ve kal\u0131c\u0131 \u00e7\u00f6z\u00fcmler \u00fczerinde hep beraber ortak ak\u0131l ile \u00e7al\u0131\u015fal\u0131m.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"
T\u00dcS\u0130AD BA\u015eKANI S\u0130MONE KASLOWSK\u0130, \u201cBANKACILIK SEKT\u00d6R\u00dcNDE SORUNLU OLMA POTANS\u0130YEL\u0130 OLAN KRED\u0130LER\u0130N BEL\u0130RLENMES\u0130, SINIFLANDIRILMASI VE DURUMA \u00d6ZEL \u00c7\u00d6Z\u00dcMLER \u00dcRET\u0130LMES\u0130 GEREK\u0130YOR. BU KRED\u0130LER\u0130 BANKALARIN B\u0130LAN\u00c7OLARININ DI\u015eINA \u00c7IKARACAK MEKAN\u0130ZMALARIN TASARLANMASI BANKACILIK SEKT\u00d6R\u00dcM\u00dcZ\u00dcN EKONOM\u0130YE TAZE KRED\u0130 SA\u011eLAYAB\u0130LMES\u0130 A\u00c7ISINDAN SON DERECE \u00d6NEML\u0130. BUG\u00dcN EN AC\u0130L \u0130HT\u0130YACIMIZ B\u0130R\u0130KEN R\u0130SKLER\u0130M\u0130Z\u0130 AZALTMAK\u201d DED\u0130.<\/p>\n","protected":false},"author":1,"featured_media":160956,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[19],"tags":[2370,7016,13663,216,21118,11603,16907,37764,14256],"class_list":["post-160955","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-en","tag-acil","tag-azaltmak","tag-baskani","tag-biriken","tag-ihtiyacimiz","tag-kaslowski","tag-risklerimizi","tag-tusiad"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.tvturk.com\/wp-content\/uploads\/2019\/05\/tusiad-baskani-kaslowski-en-acil-ihtiyacimiz-biriken-risklerimizi-azaltmak_843a472.jpg?fit=1000%2C677","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/paKIfm-FS3","_links":{"self":[{"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/posts\/160955","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/comments?post=160955"}],"version-history":[{"count":0,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/posts\/160955\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/media\/160956"}],"wp:attachment":[{"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/media?parent=160955"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/categories?post=160955"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/tags?post=160955"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}