Finansg\u00fcndem – Bankalardan te\u015fvik iste\u011fi<\/p>\n
Bankac\u0131lar, ihracat kredilerinde BDDK\u2019n\u0131n risk kar\u015f\u0131l\u0131klar\u0131n\u0131 d\u00fc\u015f\u00fcrmesi talebini art\u0131k daha s\u0131k dile getiriyor<\/p>\n
Bankac\u0131l\u0131k sekt\u00f6r\u00fcnde bir s\u00fcreden beri dile getirilen \u00fcretim, yat\u0131r\u0131m ve ihracat\u0131 destekleyen kredilerde y\u00fcklerin hafifletilmesi talebi art\u0131yor. \u00dcstelik bu talep nakdi kredileri de\u011fil tam aksine \u00f6zellikle de akreditif, teminat mektubu ve aval gibi gayri nakdi kredileri kaps\u0131yor.
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\nD\u00fcnya’da yer alan habere g\u00f6re, bankac\u0131lar, Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu\u2019nun (BDDK) bankalar\u0131n kulland\u0131rd\u0131klar\u0131 ihracat kredileri i\u00e7in tutmas\u0131 gereken sermaye kar\u015f\u0131l\u0131klar\u0131n\u0131n belirlenmesinde kullan\u0131lan risk a\u011f\u0131rl\u0131klar\u0131n\u0131 indirme konusunda daha proaktif davranmas\u0131n\u0131 bekliyor. \u0130hracat kredilerinde y\u00fczde 100 olan risk a\u011f\u0131rl\u0131\u011f\u0131n\u0131n ayn\u0131 KOB\u0130 kredilerinde oldu\u011fu gibi d\u00fc\u015f\u00fcr\u00fclmesi bekleniyor. Gayri nakdi krediler i\u00e7in ise daha te\u015fvik edici olarak belirlenmesi talep ediliyor. Sekt\u00f6r\u00fcn bu konuda reg\u00fclat\u00f6r nezdinde de giri\u015fimlerde bulundu\u011fu da ifade ediliyor.<\/p>\n
Edinilen bilgiye g\u00f6re ba\u015fta Merkez Bankas\u0131 kayna\u011f\u0131ndan kullan\u0131lan reeskont kredileri olmak \u00fczere ihracat kredilerinde her ge\u00e7en g\u00fcn daha fazla bankan\u0131n rekabete kat\u0131lmas\u0131 gayri nakdi krediler kapsam\u0131nda verilen teminat mektubu ve avaller i\u00e7in al\u0131nan komisyon oranlar\u0131n\u0131 d\u00fc\u015f\u00fcrd\u00fc. Daha \u00f6nce y\u00fczde 1-2 seviyesinde olan komisyon oranlar\u0131 piyasa bankalararas\u0131 rekabetle binde 5 ve alt\u0131na indi. Daha fazla bankan\u0131n aval vermesi ihracat\u00e7\u0131n\u0131n lehine oldu ama bankalar gayri nakdi kredileri i\u00e7in tutmak zorunda olduklar\u0131 sermaye kar\u015f\u0131l\u0131klar\u0131n\u0131n y\u00fcksek olmas\u0131 nedeniyle asgari sermaye yeterlili\u011fi rasyosunun tutturulmas\u0131 a\u00e7\u0131s\u0131ndan s\u0131k\u0131nt\u0131yla kar\u015f\u0131la\u015fmaya ba\u015flad\u0131. Bunun da bankalar\u0131n ihracata gayri nakdi kredi verme i\u015ftah\u0131n\u0131 t\u00f6rp\u00fcleyen bir fakt\u00f6r haline geldi\u011fi belirtildi.<\/p>\n
\u00d6rne\u011fin binde 2 komisyon ile verilen bir aval i\u00e7in y\u00fczde 100 oran\u0131nda sermaye kar\u015f\u0131l\u0131\u011f\u0131 ay\u0131rmak zorunda kalan bir banka a\u00e7\u0131s\u0131ndan i\u015flemin cazibesinin kalmad\u0131\u011f\u0131n\u0131 anlatan bankac\u0131lar, \u201cBankac\u0131l\u0131k sistemi eskisi kadar i\u015ftahl\u0131 de\u011fil. Ama bunun \u00f6n\u00fcn\u00fc a\u00e7abilirsek ciddi bir katk\u0131 sa\u011flan\u0131r\u201d dedi.<\/p>\n","protected":false},"excerpt":{"rendered":"
Finansg\u00fcndem – Bankalardan te\u015fvik iste\u011fi Bankac\u0131lar, ihracat kredilerinde BDDK\u2019n\u0131n risk kar\u015f\u0131l\u0131klar\u0131n\u0131 d\u00fc\u015f\u00fcrmesi talebini art\u0131k daha s\u0131k dile getiriyor Bankac\u0131l\u0131k sekt\u00f6r\u00fcnde bir s\u00fcreden beri dile getirilen \u00fcretim, yat\u0131r\u0131m ve ihracat\u0131 destekleyen kredilerde y\u00fcklerin hafifletilmesi talebi art\u0131yor. \u00dcstelik bu talep nakdi kredileri de\u011fil tam aksine \u00f6zellikle de akreditif, teminat mektubu ve aval gibi gayri nakdi kredileri kaps\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":1694,"_links":{"self":[{"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/posts\/521"}],"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=521"}],"version-history":[{"count":1,"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/posts\/521\/revisions"}],"predecessor-version":[{"id":522,"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/posts\/521\/revisions\/522"}],"wp:attachment":[{"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/media?parent=521"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/categories?post=521"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/tags?post=521"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}