<\/p>\n
\u00d6nceleri swap y\u00f6ntemi ile yurtd\u0131\u015f\u0131ndan kolayl\u0131kla d\u00f6viz bor\u00e7lan\u0131p TL bor\u00e7 veren T\u00fcrk bankalar\u0131, art\u0131k bu y\u00f6ntemi kullanmakta zorlan\u0131yor. Sendikasyon kredisinde de eskisi kadar bol para olmay\u0131nca dolar mevduat\u0131 faizi y\u00fczde 3.5\u2019e \u00e7\u0131kt\u0131<\/p>\n
ABD Merkez Bankas\u0131 (FED) 22 Eyl\u00fcl\u2019de de\u011fi\u015fiklik yapmayarak faiz oran\u0131n\u0131 y\u00fczde 0.25\u2019te sabit b\u0131rakm\u0131\u015ft\u0131. \u015eimdi Janet Yellen\u2019in ba\u015fkan\u0131 oldu\u011fu FED\u2019in aral\u0131kta faiz art\u0131r\u0131p art\u0131rmayaca\u011f\u0131 konu\u015fuluyor. Ancak T\u00fcrk bankalar\u0131 dolar\u0131n faizini \u00e7oktan art\u0131rd\u0131 bile. Son aylara kadar sendikasyon kredileri ve swap i\u015flemi ile yurtd\u0131\u015f\u0131ndan kolay dolar bulan bankalar d\u00f6viz faizini y\u00fckseltmeye gerek duymuyordu. Ancak bir yandan bol para d\u00f6neminin sona ermesi di\u011fer yandan Bat\u0131l\u0131 bankalar\u0131n T\u00fcrkiye\u2019ye bak\u0131\u015f a\u00e7\u0131s\u0131n\u0131n de\u011fi\u015fmesi ile yurtd\u0131\u015f\u0131ndan dolar bulmakta zorlanan bankalar \u00e7areyi yurti\u00e7inden mevduat toplamakta buldu. Y\u00fczde 1\u2019lerde olan dolar mevduat\u0131 faizi b\u00f6ylece yava\u015f yava\u015f y\u00fckselerek y\u00fczde 3.5\u2019e kadar \u00e7\u0131kt\u0131.<\/p>\n
D\u00d6V\u0130Z MEVDUATI GER\u0130LED\u0130<\/strong><\/p>\n Bankalar\u0131n \u015fu anda Avrupa ve ABD bankalar\u0131ndan buldu\u011fu sendikasyon kredilerinde Euro cinsi kredi faizi libor+0.75 dolar cinsi kredi faizi ise libor+0.85 d\u00fczeyinde. Faiz oran\u0131 a\u00e7\u0131s\u0131ndan \u00f6nemli bir y\u00fckselme g\u00f6r\u00fclmezken bankalar\u0131n sendikasyon kredilerini \u00e7evirme (roll over) oran\u0131 ise y\u00fczde 100\u2019lerden y\u00fczde 75-80\u2019e inmi\u015f durumda. Yani Avrupal\u0131 bankalar bu faiz d\u00fczeyinden T\u00fcrk bankalar\u0131na eskisi kadar i\u015ftahla kredi vermek istemiyor. Di\u011fer yandan ellerinde Euro cinsi kaynak bulunan Avrupal\u0131lardan dolar bulmak da zor ve daha maliyetli oluyor. Nitekim bankalar\u0131n may\u0131s ba\u015f\u0131nda 197 milyar dolara \u00e7\u0131kan d\u00f6viz mevduat\u0131 da y\u00fczde 8 gerileyerek 181 milyar dolara indi. Oysa ayn\u0131 d\u00f6nemde TL mevduat art\u0131\u015f\u0131 699 milyardan 781 milyara ula\u015ft\u0131. Yani y\u00fczde 12 y\u00fckseldi. Mevduat\u0131n gerilemesinde darbe giri\u015fiminde vatanda\u015flar\u0131n 11 milyar dolar bozdurmas\u0131 da rol oynad\u0131.<\/p>\n","protected":false},"excerpt":{"rendered":" Bloomberght – \u00d6nceleri swap y\u00f6ntemi ile yurtd\u0131\u015f\u0131ndan kolayl\u0131kla d\u00f6viz bor\u00e7lan\u0131p TL bor\u00e7 veren T\u00fcrk bankalar\u0131, art\u0131k bu y\u00f6ntemi kullanmakta zorlan\u0131yor<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[1],"tags":[],"views":895,"_links":{"self":[{"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/posts\/1422"}],"collection":[{"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/comments?post=1422"}],"version-history":[{"count":1,"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/posts\/1422\/revisions"}],"predecessor-version":[{"id":1423,"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/posts\/1422\/revisions\/1423"}],"wp:attachment":[{"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/media?parent=1422"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/categories?post=1422"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/tags?post=1422"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}