{"id":199,"date":"2014-10-02T09:47:08","date_gmt":"2014-10-02T06:47:08","guid":{"rendered":"https:\/\/adalethazar.com\/?p=199"},"modified":"2014-10-02T17:54:54","modified_gmt":"2014-10-02T14:54:54","slug":"piyasalara-golge-bankacilik-uyarisi","status":"publish","type":"post","link":"https:\/\/adalethazar.com\/index.php\/piyasalara-golge-bankacilik-uyarisi\/","title":{"rendered":"Piyasalara g\u00f6lge bankac\u0131l\u0131k uyar\u0131s\u0131!"},"content":{"rendered":"<p>Finansgundem- IMF, g\u00f6lge bankac\u0131l\u0131k faaliyetlerinin t\u00fcm d\u00fcnyada h\u0131zla artt\u0131\u011f\u0131 ve bunun finansal riskleri beraberinde getirdi\u011fi konusunda uyard\u0131<br \/>\nMF&#8217;in bug\u00fcn yay\u0131mlad\u0131\u011f\u0131, K\u00fcresel Finansal \u0130stikrar Raporu&#8217;nda g\u00f6lge bankac\u0131l\u0131\u011f\u0131n k\u00fcresel geli\u015fimi ve riskleri \u00fczerine tespitler yer ald\u0131. En b\u00fcy\u00fck g\u00f6lge bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn geli\u015fmi\u015f \u00fclkelerde bulundu\u011funu belirten rapor, sekt\u00f6r\u00fcn geli\u015fmekte olan \u00fclkelerde de g\u00fc\u00e7l\u00fc b\u00fcy\u00fcme g\u00f6sterdi\u011fini ortaya koydu.<!--more--><br \/>\nRaporda, geleneksel bankac\u0131l\u0131k sisteminin d\u0131\u015f\u0131nda kalan g\u00f6lge bankac\u0131l\u0131k faaliyetlerinin yayg\u0131nla\u015fmas\u0131nda sekt\u00f6rdeki s\u0131k\u0131 denetimlerin ve geni\u015f likidite olanaklar\u0131n\u0131n etkili oldu\u011fu belirtildi. D\u00fcnyadaki finansal arac\u0131l\u0131k i\u015flemlerinin yakla\u015f\u0131k d\u00f6rtte birini olu\u015fturan g\u00f6lge bankac\u0131l\u0131\u011f\u0131n, geleneksel bankac\u0131l\u0131k sistemini tamamlay\u0131c\u0131 rol oynamas\u0131n\u0131n ekonomi ve yat\u0131r\u0131mlar i\u00e7in yararl\u0131 olabilece\u011fi kaydedilen raporda, bu t\u00fcr finansal faaliyetlerin getirdi\u011fi sistematik risklere de\u011finildi.<br \/>\nIMF raporunda, g\u00f6lge bankac\u0131l\u0131k 2007-2008 finansal krizine yol a\u00e7an fakt\u00f6rlerden biri olarak nitelendirilirken, \u015fu anki finansal ortam\u0131n sekt\u00f6r\u00fcn daha da b\u00fcy\u00fcmesine neden oldu\u011fu vurguland\u0131. G\u00f6lge bankac\u0131l\u0131\u011f\u0131n risklerinin sekt\u00f6rdeki denetim eksikli\u011finden kaynakland\u0131\u011f\u0131na dikkati \u00e7eken raporda, kanun yap\u0131c\u0131lara bu alanda yeni d\u00fczenlemeler yapmalar\u0131 y\u00f6n\u00fcnde tavsiyeler verildi.<br \/>\n<strong>S\u0130GORTA FONLARI G\u00d6LGE BANKACILI\u011eI DESTEKL\u0130YOR<\/strong><br \/>\nRapor, geli\u015fmekte olan \u00fclkelerdeki g\u00f6lge bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn, yat\u0131r\u0131m ve tasarruf ama\u00e7l\u0131 sigorta fonlar\u0131n\u0131n yayg\u0131nla\u015fmas\u0131 sonucu h\u0131zla geli\u015fti\u011fine i\u015faret etti. Brezilya ve G\u00fcney Afrika&#8217;da artan yat\u0131r\u0131m fonlar\u0131n\u0131n g\u00f6lge bankac\u0131l\u0131k faaliyetlerini destekledi\u011fi belirtilen raporda, T\u00fcrkiye ve Meksika&#8217;da ise gayrimenkul yat\u0131r\u0131m ortakl\u0131klar\u0131nda g\u00fc\u00e7l\u00fc bir b\u00fcy\u00fcme ya\u015fand\u0131\u011f\u0131 bilgisine yer verildi.<br \/>\nGeli\u015fmekte olan \u00fclkelerdeki g\u00f6lge bankac\u0131l\u0131k kurulu\u015flar\u0131n\u0131n sahip oldu\u011fu toplam varl\u0131klar\u0131n bu \u00fclkelerin ortalama gayri safi yurti\u00e7i has\u0131las\u0131na oran\u0131n\u0131n 2002-2012 y\u0131llar\u0131 aras\u0131nda y\u00fczde 6&#8217;dan y\u00fczde 35&#8217;e \u00e7\u0131kt\u0131\u011f\u0131n\u0131 g\u00f6steren rapor, bu sekt\u00f6rdeki b\u00fcy\u00fcme h\u0131z\u0131n\u0131n, geleneksel bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fc geride b\u0131rakt\u0131\u011f\u0131n\u0131 ortaya koydu. Geleneksel bankac\u0131l\u0131k sistemine ait varl\u0131klar\u0131n oran\u0131n\u0131n ayn\u0131 d\u00f6nemde y\u00fczde 30&#8217;dan y\u00fczde 70&#8217;e y\u00fckseldi\u011fi g\u00f6r\u00fcld\u00fc.<br \/>\n<strong>G\u00d6LGE BANKACILIK NED\u0130R?<\/strong><br \/>\nResmi bankalar gibi bor\u00e7 al\u0131p veren ve yat\u0131r\u0131mlar yapan, ancak bankac\u0131l\u0131k sistemine ili\u015fkin d\u00fczenlemelere tabi olmayan finansal kurulu\u015flar\u0131n faaliyetleri &#8220;G\u00f6lge bankac\u0131l\u0131k&#8221; olarak adland\u0131r\u0131l\u0131yor. Bu t\u00fcr kurulu\u015flar, ki\u015filerden ve di\u011fer bankalardan ald\u0131klar\u0131 mevduatlar\u0131, daha y\u00fcksek faizli kredilere d\u00f6n\u00fc\u015ft\u00fcrerek kar sa\u011fl\u0131yorlar. G\u00f6lge finansal kurulu\u015flar, bankac\u0131l\u0131k sistemindeki denetleme ve vergi d\u00fczenlemelerine tabi olmad\u0131klar\u0131 i\u00e7in, daha d\u00fc\u015f\u00fck teminatla kredi verebiliyor. Ancak, bu t\u00fcr kurulu\u015flar\u0131n yeterince teminatland\u0131r\u0131lmam\u0131\u015f kredi vermesi, finansal krizleri tetikleyen unsurlardan biri olarak g\u00f6r\u00fcl\u00fcyor.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Finansgundem- IMF, g\u00f6lge bankac\u0131l\u0131k faaliyetlerinin t\u00fcm d\u00fcnyada h\u0131zla artt\u0131\u011f\u0131 ve bunun finansal riskleri beraberinde getirdi\u011fi konusunda uyard\u0131 MF&#8217;in bug\u00fcn yay\u0131mlad\u0131\u011f\u0131, K\u00fcresel Finansal \u0130stikrar Raporu&#8217;nda g\u00f6lge bankac\u0131l\u0131\u011f\u0131n k\u00fcresel geli\u015fimi ve riskleri \u00fczerine tespitler yer ald\u0131. En b\u00fcy\u00fck g\u00f6lge bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn geli\u015fmi\u015f \u00fclkelerde bulundu\u011funu belirten rapor, sekt\u00f6r\u00fcn geli\u015fmekte olan \u00fclkelerde de g\u00fc\u00e7l\u00fc b\u00fcy\u00fcme g\u00f6sterdi\u011fini ortaya koydu.<\/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":2111,"_links":{"self":[{"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/posts\/199"}],"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=199"}],"version-history":[{"count":2,"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/posts\/199\/revisions"}],"predecessor-version":[{"id":204,"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/posts\/199\/revisions\/204"}],"wp:attachment":[{"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/media?parent=199"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/categories?post=199"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/tags?post=199"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}