Finansg\u00fcndem – Kredi standartlar\u0131 s\u0131k\u0131la\u015ft\u0131r\u0131l\u0131yor<\/p>\n
TCMB’nin Banka Kredileri E\u011filim Anketi’ne g\u00f6re, i\u015fletmelere kulland\u0131r\u0131lan kredilere uygulanan standartlar\u0131n s\u0131k\u0131la\u015ft\u0131r\u0131laca\u011f\u0131 \u00f6ng\u00f6r\u00fcl\u00fcyor.
\nCMB, 2014 y\u0131l\u0131n\u0131n son \u00e7eyre\u011finde ger\u00e7ekle\u015fen de\u011fi\u015fimler ile bankalar\u0131n 2015 y\u0131l\u0131n\u0131n ilk \u00e7eyre\u011fine ili\u015fkin beklentileri i\u00e7eren Ekim-Aral\u0131k 2014 d\u00f6nemi “Banka Kredileri E\u011filim Anketi” sonu\u00e7lar\u0131n\u0131 yay\u0131mlad\u0131.<\/p>\n
Ekim-Aral\u0131k 2014 d\u00f6nemi sonu\u00e7lar\u0131 incelendi\u011finde; bankalar\u0131n hem i\u015fletmelere kulland\u0131r\u0131lan kredilerde hem de bireysel kredilerde standartlar\u0131 s\u0131k\u0131la\u015ft\u0131rd\u0131\u011f\u0131 g\u00f6r\u00fcld\u00fc. 2015 y\u0131l\u0131n\u0131n ilk \u00e7eyre\u011fi i\u00e7in beklenti; standartlardaki s\u0131k\u0131la\u015fma e\u011filiminin devam edece\u011fi y\u00f6n\u00fcnde oldu. Kredi talebi a\u00e7\u0131s\u0131ndan bak\u0131ld\u0131\u011f\u0131nda; i\u015fletmelerin banka kredilerine olan talebi daral\u0131rken, bireysel kredilere olan talep artt\u0131.<\/p>\n
Bankalar\u0131n fon sa\u011flama imkanlar\u0131n\u0131n geli\u015fimi incelendi\u011finde; y\u0131l\u0131n son \u00e7eyre\u011finde yurtd\u0131\u015f\u0131 fonlama ko\u015fullar\u0131n\u0131n \u00f6nceki \u00e7eyre\u011fe g\u00f6re destekleyici y\u00f6nde de\u011fi\u015fti\u011fi, yurti\u00e7i fonlama ko\u015fullar\u0131n\u0131n ise s\u0131k\u0131la\u015ft\u0131\u011f\u0131 g\u00f6zlendi.<\/p>\n
Ekim-Aral\u0131k 2014 d\u00f6neminde bankalar, genel olarak i\u015fletmelere kulland\u0131r\u0131lan kredilere uygulanan standartlar\u0131 s\u0131k\u0131la\u015ft\u0131rd\u0131. Standartlar\u0131n s\u0131k\u0131la\u015ft\u0131r\u0131lmas\u0131n\u0131n ard\u0131ndaki nedenler olarak; risk alg\u0131s\u0131, fon maliyetleri ve bilan\u00e7o k\u0131s\u0131tlamalar\u0131 ile di\u011fer bankalar\u0131n rekabeti g\u00f6sterildi. 2015 y\u0131l\u0131n\u0131n ilk \u00e7eyre\u011fi i\u00e7in beklenti, standartlar\u0131n s\u0131k\u0131la\u015ft\u0131r\u0131laca\u011f\u0131 y\u00f6n\u00fcnde oldu.<\/p>\n
“2015 y\u0131l\u0131n\u0131n ilk \u00e7eyre\u011fi i\u00e7in beklenti, kredi talebinin artaca\u011f\u0131 y\u00f6n\u00fcnde”<\/p>\n
\u0130\u015fletmelere kulland\u0131r\u0131lan kredilere uygulanan kredi ko\u015ful ve kurallar\u0131na bak\u0131ld\u0131\u011f\u0131nda; bankalar\u0131n faiz d\u0131\u015f\u0131nda al\u0131nan \u00fccret ve komisyonlar ile daha riskli olarak de\u011ferlendirdikleri krediler \u00fczerinden ald\u0131klar\u0131 kar marj\u0131n\u0131 art\u0131rd\u0131\u011f\u0131, teminat ihtiyac\u0131 ve vade ko\u015fulunu s\u0131k\u0131la\u015ft\u0131rd\u0131\u011f\u0131 g\u00f6r\u00fcld\u00fc.<\/p>\n
Ekim-Aral\u0131k 2014 d\u00f6neminde genel olarak i\u015fletmelerin banka kredilerine olan talebi \u00f6nceki \u00e7eyre\u011fe g\u00f6re geriledi. Talepteki gerilemenin ard\u0131ndaki nedenler olarak sabit yat\u0131r\u0131mlar ile birle\u015fmeler\/sat\u0131n almalar ve yeniden yap\u0131lanmalardan kaynaklanan finansman ihtiyac\u0131ndaki azalma ve alternatif finansman kullan\u0131m\u0131 g\u00f6sterildi. Stok art\u0131r\u0131m\u0131 ve i\u015fletme sermayesi gereksinimi ile borcun yeniden yap\u0131land\u0131r\u0131lmas\u0131, talebi art\u0131r\u0131c\u0131 y\u00f6nde etkileyen fakt\u00f6rler oldu. 2015 y\u0131l\u0131n\u0131n ilk \u00e7eyre\u011fi i\u00e7in beklenti, kredi talebinin artaca\u011f\u0131 y\u00f6n\u00fcnde oldu.<\/p>\n
Bireysel kredilere uygulanan standartlar\u0131n de\u011fi\u015fimi incelendi\u011finde, di\u011fer bireysel krediler ba\u015fta olmak \u00fczere t\u00fcm bireysel kredilerde standartlar\u0131n s\u0131k\u0131la\u015ft\u0131r\u0131ld\u0131\u011f\u0131 g\u00f6r\u00fcld\u00fc. Standartlar\u0131n s\u0131k\u0131la\u015ft\u0131r\u0131lmas\u0131n\u0131n ard\u0131ndaki neden olarak risk alg\u0131s\u0131na ili\u015fkin fakt\u00f6rler g\u00f6sterildi. Gelecek \u00e7eyrek i\u00e7in beklenti, bireysel kredilere uygulanan standartlardaki s\u0131k\u0131la\u015fma e\u011filiminin devam edece\u011fi y\u00f6n\u00fcnde oldu.<\/p>\n
Bireysel kredilere uygulanan ko\u015ful ve kurallar a\u00e7\u0131s\u0131ndan bak\u0131ld\u0131\u011f\u0131nda; konut kredilerinde faiz d\u0131\u015f\u0131nda al\u0131nan \u00fccret ve komisyonlar\u0131 d\u00fc\u015f\u00fcren bankalar\u0131n; ta\u015f\u0131t kredilerinde ko\u015ful ve kurallar\u0131 de\u011fi\u015ftirmedi\u011fi, di\u011fer bireysel kredilerde ise hem fiyat hem de fiyat d\u0131\u015f\u0131 ko\u015ful ve kurallar\u0131 s\u0131k\u0131la\u015ft\u0131rd\u0131\u011f\u0131 g\u00f6r\u00fcld\u00fc.<\/p>\n
“2015 y\u0131l\u0131n\u0131n ilk \u00e7eyre\u011finde; konut ve ta\u015f\u0131t kredilerine olan talebin gerilemesi, di\u011fer bireysel kredilere olan talebin ise art\u0131\u015f\u0131n\u0131 s\u00fcrd\u00fcrmesi bekleniyor”<\/p>\n
2014 y\u0131l\u0131 son \u00e7eyre\u011finde, t\u00fcm bireysel kredilerde talep art\u0131\u015f\u0131 ya\u015fand\u0131. Konut kredileri a\u00e7\u0131s\u0131ndan bak\u0131ld\u0131\u011f\u0131nda, alternatif finansman kullan\u0131m\u0131 ile konut al\u0131m\u0131 d\u0131\u015f\u0131ndaki t\u00fcketim harcamalar\u0131ndaki art\u0131\u015ftan kaynaklanan a\u015fa\u011f\u0131 y\u00f6nl\u00fc bask\u0131ya kar\u015f\u0131n konut piyasas\u0131na ili\u015fkin beklentilerle t\u00fcketici g\u00fcveninin talebi art\u0131rd\u0131\u011f\u0131 g\u00f6r\u00fcld\u00fc. Ta\u015f\u0131t kredilerinde, bireysel tasarruflar talep art\u0131\u015f\u0131na neden olurken, di\u011fer bireysel kredilerde bireysel tasarruflar ile t\u00fcketici g\u00fcveninin talep art\u0131\u015f\u0131nda rol oynad\u0131\u011f\u0131 g\u00f6zlendi. 2015 y\u0131l\u0131n\u0131n ilk \u00e7eyre\u011finde; konut ve ta\u015f\u0131t kredilerine olan talebin gerilemesi, di\u011fer bireysel kredilere olan talebin ise art\u0131\u015f\u0131n\u0131 s\u00fcrd\u00fcrmesi bekleniyor.<\/p>\n
Bankalar\u0131n fon sa\u011flama imkanlar\u0131 a\u00e7\u0131s\u0131ndan bak\u0131ld\u0131\u011f\u0131nda; yurti\u00e7i fonlama ko\u015fullar\u0131n\u0131n y\u0131l\u0131n \u00fc\u00e7\u00fcnc\u00fc \u00e7eyre\u011fine g\u00f6re s\u0131k\u0131la\u015ft\u0131\u011f\u0131, yurtd\u0131\u015f\u0131ndan fon sa\u011flama ko\u015fullar\u0131n\u0131n ise gev\u015fedi\u011fi g\u00f6r\u00fcld\u00fc. 2015 y\u0131l\u0131n\u0131n ilk \u00e7eyre\u011finde, yurti\u00e7i fonlama ko\u015fullar\u0131n\u0131n gev\u015femesi, yurtd\u0131\u015f\u0131 fonlama ko\u015fullar\u0131n\u0131n ise s\u0131k\u0131la\u015fmas\u0131 bekleniyor.<\/p>\n
Read more: http:\/\/www.finansgundem.com\/bankacilik\/kredi-standartlari-sikilastiriliyor-650194.htm#ixzz3ObD4enkD<\/p>\n","protected":false},"excerpt":{"rendered":"
Finansg\u00fcndem – Kredi standartlar\u0131 s\u0131k\u0131la\u015ft\u0131r\u0131l\u0131yor TCMB’nin Banka Kredileri E\u011filim Anketi’ne g\u00f6re, i\u015fletmelere kulland\u0131r\u0131lan kredilere uygulanan standartlar\u0131n s\u0131k\u0131la\u015ft\u0131r\u0131laca\u011f\u0131 \u00f6ng\u00f6r\u00fcl\u00fcyor.<\/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":1344,"_links":{"self":[{"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/posts\/433"}],"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=433"}],"version-history":[{"count":1,"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/posts\/433\/revisions"}],"predecessor-version":[{"id":434,"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/posts\/433\/revisions\/434"}],"wp:attachment":[{"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/media?parent=433"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/categories?post=433"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/tags?post=433"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}