Faiz lobisi bir kez daha \u00fclke g\u00fcndeminde…\u00a0Deniz Hoca, \u201cFaiz lobisi tatl\u0131 kazan\u00e7 pe\u015finde ko\u015far. Bu kazanc\u0131 sa\u011flamak i\u00e7in y\u00fcksek faiz-y\u00fcksek d\u00f6viz kuru arzular. Kendisi kazan\u0131rken \u00fclkeyi fakirle\u015ftimeyi umursamaz\u201d dedi ve ekledi: \u015eu an suni bir kriz ya\u015f\u0131yoruz. \u0130yi niyetli yabanc\u0131 yat\u0131r\u0131mc\u0131 zarar\u0131 g\u00f6ze alarak \u00e7\u0131kmak isteyebilir. Bu da suni krizi reel bir krize d\u00f6n\u00fc\u015ft\u00fcrebilir.<\/b><\/p>\n
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<\/b>T\u00fcrkiye, 12 g\u00fcnd\u00fcr Gezi Park\u0131\u2019yla yat\u0131p Gezi Park\u0131\u2019yla kalk\u0131yor. Olaylara yabanc\u0131 bas\u0131n\u0131n ilgisi de yo\u011fun. Hemen hemen her g\u00fcn T\u00fcrkiye man\u015fetlerde… Bu gerginli\u011fin bir de ekonomik etkisi var. Piyasada kimse \u00f6n\u00fcn\u00fc g\u00f6remiyor. Borsa d\u00fc\u015f\u00fcyor, dolar ve euro de\u011fer kazan\u0131yor. Tahvil faizleri ise alm\u0131\u015f ba\u015f\u0131n\u0131 gitmi\u015f vaziyette\u2026<\/p>\n
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BA\u015eBAKAN\u2019A g\u00f6re ise piyasalardaki bu hareketlili\u011fin arkas\u0131nda \u2018faiz lobisi\u2019 var. 2001 kriziyle beraber T\u00fcrkiye\u2019nin g\u00fcndemine oturan faiz lobisi\u2019nin kim oldu\u011funu Deniz Hoca\u2019ya sorduk\u2026 Nedir, kimdir, ne ister nas\u0131l \u00e7al\u0131\u015f\u0131r? \u015eunlar\u0131 anlatt\u0131:\u00a0<\/em><\/p>\n <\/p>\n <\/p>\n – T\u00fcrkiye\u2019de ger\u00e7ekten bir faiz lobisi var m\u0131?\u00a0<\/strong> <\/p>\n <\/p>\n <\/p>\n – Peki kim bu lobi dedi\u011fimiz kurumlar?\u00a0<\/strong> <\/p>\n <\/p>\n <\/p>\n – T\u00fcrkiye\u2019de nas\u0131l hareket ediyorlar?\u00a0<\/strong> <\/p>\n <\/p>\n <\/p>\n NASIL KAZANIYORLAR? <\/p>\n <\/p>\n Tek ama\u00e7 tatl\u0131 para kazanmak <\/p>\n <\/p>\n <\/p>\n G\u00fc\u00e7l\u00fc TL\u2019yi kim istemiyor?<\/strong> <\/p>\n <\/p>\n <\/p>\n Faiz lobisi\u00a0ne kadar g\u00fc\u00e7l\u00fc?<\/strong> <\/p>\n <\/p>\n <\/p>\n TL\u2019deki kay\u0131plar\u0131n\u00a0bir sorumlusu da\u00a0k\u00fcresel geli\u015fmeler <\/p>\n <\/p>\n LOB\u0130\u2019DEN KURTULMA YOLLARI!<\/strong> <\/p>\n <\/p>\n D\u0130\u011eERLER\u0130NE BENZEMEY\u0130Z Risk: \u0130yi niyetli yat\u0131r\u0131mc\u0131y\u0131 \u00fcrk\u00fctmektir!<\/strong> <\/p>\n <\/p>\n 1 dolar=2 TL olabilir mi?<\/strong> <\/p>\n Y\u00fcksek faizi sadece bu lobi istemez…<\/strong> KAYNAK: AK\u015eAM GAZETES\u0130<\/p>\n","protected":false},"excerpt":{"rendered":" Faiz lobisi bir kez daha \u00fclke g\u00fcndeminde…\u00a0Deniz Hoca, \u201cFaiz lobisi tatl\u0131 kazan\u00e7 pe\u015finde ko\u015far. Bu kazanc\u0131 sa\u011flamak i\u00e7in y\u00fcksek faiz-y\u00fcksek d\u00f6viz kuru arzular. Kendisi kazan\u0131rken \u00fclkeyi fakirle\u015ftimeyi umursamaz\u201d dedi ve ekledi: \u015eu an suni bir kriz ya\u015f\u0131yoruz. \u0130yi niyetli yabanc\u0131 yat\u0131r\u0131mc\u0131 zarar\u0131 g\u00f6ze alarak \u00e7\u0131kmak isteyebilir. Bu da suni krizi reel bir krize d\u00f6n\u00fc\u015ft\u00fcrebilir. […]<\/p>\n","protected":false},"author":1,"featured_media":41334,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10,1,20],"tags":[9398,1203,9397,8766],"class_list":["post-41332","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","category-gundem","category-turkiye","tag-deniz-gokce-kimdir","tag-ekonomi-2","tag-faiz-lobisi-nedir","tag-son-dakika-haberleri"],"_links":{"self":[{"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/posts\/41332","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=41332"}],"version-history":[{"count":0,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/posts\/41332\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/media\/41334"}],"wp:attachment":[{"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=41332"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=41332"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=41332"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
\nBa\u015fbakan Erdo\u011fan \u2018faiz lobisi\u2019 diyerek topluma \u00f6nemli mesajlar vermek istiyor. Ba\u015fbakan, faiz kelimesi ile lobi kelimesini de hep bir arada kullanmakta ve bir \u201cfaiz lobisinden\u201d bahsetmekte. Ancak kim faiz lobisi say\u0131l\u0131r sorusunun cevab\u0131 da a\u00e7\u0131k de\u011fil, \u00fcstelik zor.<\/p>\n
\nDo\u011fal olarak bunlar yabanc\u0131 finans kurulu\u015flar: Bankalar, fonlar… Bunlar\u0131n T\u00fcrkiye aya\u011f\u0131 da buradaki banka ve finans kurulu\u015flar\u0131.<\/p>\n
\nT\u00fcrkiye\u2019ye yat\u0131r\u0131ma gelen fon ya da banka, d\u00f6viziyle \u00f6nce T\u00fcrk Liras\u0131 al\u0131yor. Bu T\u00fcrk Liras\u0131\u2019n\u0131 hisse senedi ya da i\u00e7 bor\u00e7lanma senedine yat\u0131r\u0131yor. \u00c7\u0131karken de T\u00fcrk Liras\u0131\u2019n\u0131 d\u00f6viz yap\u0131p evine d\u00f6n\u00fcyor. T\u00fcrkiye\u2019de de baz\u0131 yerli arac\u0131 kurulu\u015flar ve bankalarla beraber hareket ediyorlar.<\/p>\n
\n– Faiz ya da d\u00f6vizin artmas\u0131ndan \u00e7\u0131karlar\u0131 ne?\u00a0<\/strong>
\nDI\u015e \u00fclkelerden T\u00fcrkiye\u2019ye gelen yabanc\u0131 yat\u0131r\u0131mc\u0131lar s\u0131kl\u0131kla yerel faizi art\u0131rmam\u0131z i\u00e7in bazen nasihatlar verirler. \u00c7\u00fcnk\u00fc faiz y\u00fckselirse T\u00fcrk Liras\u0131\u2019n\u0131n d\u00f6vize kar\u015f\u0131 de\u011feri y\u00fckselir. Bu da d\u0131\u015f yat\u0131r\u0131mc\u0131n\u0131n i\u015fine yarar. \u00c7\u00fcnk\u00fc \u00fclkemize y\u00fcksek getiriyi izleyerek gelen d\u0131\u015f yat\u0131r\u0131mc\u0131 , \u00fclkemizin paras\u0131 de\u011fer kaybettik\u00e7e y\u00fcksek getiriden kazand\u0131\u011f\u0131n\u0131, TL\u2019nin d\u00f6vize kar\u015f\u0131 de\u011fer kaybetmesi nedeniyle kaybetmek durumunda kal\u0131r. \u0130\u015fte getirisi kur de\u011fi\u015fmesine kurban gitmesin diye parazit yapan d\u0131\u015f yat\u0131r\u0131mc\u0131ya \u2018faiz lobisi\u2019 diyebiliriz.<\/p>\n
\n– Faiz bu i\u015fin neresinde?\u00a0<\/strong>
\nNominal veya reel faiz y\u00fckseldi\u011fi zaman, yabanc\u0131 yat\u0131r\u0131mc\u0131 kur \u00a0de\u011fi\u015fimi nedeniyle zarar etmekten kurtulur. Fakat \u00fclkeye finans yat\u0131r\u0131m\u0131na gelen her kurulu\u015fa faiz lobisi diyemeyiz. \u0130ster istemez bu kurulu\u015flar kolay para pe\u015finde. Fakat \u00fclkenin gelece\u011fini d\u00fc\u015f\u00fcnmeyen k\u00f6t\u00fc niyetli kurulu\u015flar\u0131na bu benzetmeyi yapabiliriz.<\/p>\n
\n– TL\u2019nin de\u011ferinin d\u00fc\u015fmesini istemeyen kimler?\u00a0<\/strong>
\nTL\u2019nin de\u011fer kaybetmesi elinde d\u00f6viz birikimi olan kimseye veya kuruma yarar. D\u00f6vizin de\u011ferinin artmas\u0131 en \u00e7ok ihracat\u00e7\u0131lara da yarar, \u00e7\u00fcnk\u00fc onlar da d\u00f6viz kazanmaktad\u0131rlar. Ama \u00fclkenin ithalat\u00e7\u0131lar\u0131na ve d\u00f6viz borcu olan ki\u015fi ve kurulu\u015flara d\u00f6vizdeki y\u00fckseli\u015f hi\u00e7 ama hi\u00e7 yaramaz.<\/p>\n
\n– \u015eu an kim daha g\u00fc\u00e7l\u00fc? Faiz lobisi mi, MB m\u0131?\u00a0<\/strong>
\nMerkez Bankas\u0131 son y\u0131llarda hem nominal hem de reel faizi d\u00fc\u015f\u00fcrmekte ba\u015far\u0131l\u0131 oldu. D\u00f6viz kurunun TL aleyhine geli\u015fmesini de kontrol alt\u0131na ald\u0131. Merkez Bankas\u0131 son d\u00f6nemde kulland\u0131\u011f\u0131 ve \u201ckoridor sistemi\u201d ad\u0131 ile ge\u00e7en politika yakla\u015f\u0131m\u0131nda faizleri hem nominal hem de reel olarak rekor d\u00fczeyde d\u00fc\u015f\u00fcrebildi. Di\u011fer taraftan da \u00fclkemize gelen yabanc\u0131 sermaye \u00a0ak\u0131m\u0131 nedeni ile param\u0131z da de\u011fer kaybetmek yerine de\u011fer kazanmak y\u00f6n\u00fcnde s\u0131k s\u0131k de\u011fi\u015fim ya\u015famaktad\u0131r. Yani \u015fu an i\u00e7in i\u015fler Merkez Bankas\u0131\u2019n\u0131n istedi\u011fi \u015fekilde y\u00fcr\u00fcyor.<\/p>\n
\n– \u0130yi de Merkez Bankas\u0131 TL\u2019nin de\u011ferinin d\u00fc\u015fmesini istemedi mi?\u00a0<\/strong>
\nSon haftalarda TL\u2019nin de\u011fer kaybetmesi k\u00fcresel ekonomideki de\u011fi\u015fimden kaynaklan\u0131yordu. Fakat biz de hem nisan ay\u0131nda 0.25 puan \u00a0ve hem de may\u0131s ay\u0131nda 0.50 puan faiz indirimi yapt\u0131\u011f\u0131m\u0131zdan \u00a0biz de kendi param\u0131z\u0131n de\u011ferini Merkez Bankas\u0131 politikas\u0131yla d\u00fc\u015f\u00fcr\u00fcyorduk. \u00c7\u00fcnk\u00fc b\u00fcy\u00fcme ba\u015flarken d\u0131\u015f denge yani cari a\u00e7\u0131k da y\u00fckselmeye ba\u015flam\u0131\u015ft\u0131 ve \u00e7ok y\u00fckselmesini istemiyorduk. Faiz indirmek \u00a0yerel paran\u0131n de\u011ferini de d\u00fc\u015f\u00fcr\u00fcr.<\/p>\n
\n– T\u00fcrkiye faiz lobisinden kurtulmak i\u00e7in ne yapmal\u0131? \u00a0<\/strong>
\n\u0130lk olarak tasarruflar\u0131 art\u0131rmal\u0131y\u0131z. Biz \u00fclke olarak tasarruflar\u0131m\u0131z\u0131 art\u0131r\u0131rsak faiz lobisinin bir anlam\u0131 da kalmaz. Kendi yat\u0131r\u0131mlar\u0131m\u0131z\u0131 kendi tasarruflar\u0131m\u0131zla finanse eder hale geliriz. Bak\u0131n Almanya\u2019ya, tasarruflar y\u00fcksek lobi falan da yok…<\/p>\n
\n– Yabanc\u0131 bas\u0131nda T\u00fcrkiye, \u0130spanya ya da Portekiz olur mu diye yaz\u0131lar \u00e7\u0131kt\u0131? Bunlar ne kadar ger\u00e7ek\u00e7i?\u00a0<\/strong>
\nT\u00fcrkiye 2001 sonras\u0131nda bankalar\u0131 ve kamu maliyesini tamir etti. \u0130spanya, Portekiz olmaz. Ama gerilim G\u00fcneydo\u011fu sorununun \u00e7\u00f6z\u00fcm\u00fcn\u00fc ve b\u00fcy\u00fcmeyi etkileyecek d\u00fczeye g\u00f6t\u00fcr\u00fclmemeli.<\/p>\n
\n– Ekonomi i\u00e7in as\u0131l risk ne?\u00a0<\/strong>
\nAs\u0131l risk, T\u00fcrkiye\u2019ye yat\u0131r\u0131m yapm\u0131\u015f iyi niyetli yabanc\u0131lar\u0131n endi\u015felenip \u00fclkeden \u00e7\u0131kma riskidir. Bunu yapabilmeleri i\u00e7in satmaya \u00e7al\u0131\u015ft\u0131klar\u0131 hisse senedi ve bonolara al\u0131c\u0131 bulmak zorundalar. Ancak bug\u00fcnk\u00fc ortamda al\u0131c\u0131 bulmalar\u0131 zor. Ama e\u011fer gerilim panik d\u00fczeyine gelirse, o zaman zarar\u0131 sineye \u00e7eker, ka\u00e7abilirler. Bu da kurlar\u0131 1994 ve 2001\u2019deki gibi yukar\u0131ya z\u0131platt\u0131r\u0131r. Ama \u015fu anda b\u00f6yle bir durum yok!<\/p>\n
\nMerkez Bankas\u0131 ge\u00e7en hafta cuma g\u00fcn\u00fc likiditeyi azaltt\u0131\u011f\u0131n\u0131 ve durumu izleyip, gereti\u011finde politikas\u0131n\u0131 kuvetlendirip kuvvetlendirmemesi konusunda karar verece\u011fini s\u00f6yledi. Bir dolar 2 TL d\u00fczeyine \u00e7\u0131kmak Merkez Bankas\u0131\u2019n\u0131n hemen m\u00fcdahale etmesini getirir.<\/p>\n
\n– Y\u00fcksek faizi isteyen herkes faiz lobisine mi hizmet eder?\u00a0<\/strong>
\nFaiz lobisine dahil edilemeyecek bir\u00e7ok insan da bankalarda mevduat \u015feklinde fon tutmaktad\u0131rlar. Faizin enflasyona olduk\u00e7a paralel olmas\u0131na ra\u011fmen milyarlarca risk sevmeyen yat\u0131r\u0131mc\u0131 , hisse senedi yerine kamu bor\u00e7 senetlerine veya \u00e7oklukla mevduata yat\u0131r\u0131m yaparlar. Ya\u015fl\u0131 ve emeklilerin tasarruflar\u0131n\u0131 tuttu\u011fu en \u00f6nemli ara\u00e7 mevduatt\u0131r. Bu t\u00fcr insanlar faizin d\u00fc\u015fmesinden \u015fikayet etseler de, onlara faiz lobisi denemez. \u00c7\u00fcnk\u00fc onlar uzun vadeli tasarruf\u00e7u ve yat\u0131r\u0131mc\u0131d\u0131r, k\u0131sa vadeci \u00a0spek\u00fclat\u00f6r de\u011fil.<\/p>\n