{"id":122961,"date":"2020-11-04T13:56:49","date_gmt":"2020-11-04T10:56:49","guid":{"rendered":"https:\/\/www.enerjigazetesi.ist\/?p=122961"},"modified":"2020-11-04T13:57:32","modified_gmt":"2020-11-04T10:57:32","slug":"kuresel-ekonomik-sorunlarin-cozumu-tasarrufa-dayali-finansman","status":"publish","type":"post","link":"https:\/\/www.enerjigazetesi.ist\/en\/kuresel-ekonomik-sorunlarin-cozumu-tasarrufa-dayali-finansman\/","title":{"rendered":"(Turkish) K\u00fcresel Ekonomik Sorun \u0130\u00e7in \u00c7\u00f6z\u00fcm ‘Tasarrufa Dayal\u0131 Finansman'"},"content":{"rendered":"

Sorry, this entry is only available in Turkish<\/a>. For the sake of viewer convenience, the content is shown below in the alternative language. You may click the link to switch the active language.<\/p>

<\/p>\n

\u0130stanbul Sabahattin Zaim \u00dcniversitesi<\/strong> taraf\u0131ndan 2’incisi ger\u00e7ekle\u015ftirilen \u201cUluslararas\u0131 Tasarruf Sempozyumu\u201d yerli ve yabanc\u0131 konu\u015fmac\u0131lar\u0131n kat\u0131l\u0131mlar\u0131 ile online olarak d\u00fczenlendi.<\/h1>\n

Kuruldu\u011fu 2010 y\u0131l\u0131ndan bug\u00fcne<\/strong> e\u011fitim, ara\u015ft\u0131rma ve uygulama faaliyetleri<\/em>ni hem nitelik<\/strong> hem de nicelik<\/strong> a\u00e7\u0131s\u0131ndan geli\u015ftiren ve tasarrufa dayal\u0131 faizsiz finansman sekt\u00f6r\u00fcne yapt\u0131\u011f\u0131 \u00e7al\u0131\u015fmalarla \u00f6nc\u00fcl\u00fck eden \u0130stanbul Sabahattin Zaim \u00dcniversitesinin<\/strong> ev sahipli\u011fini yapt\u0131\u011f\u0131 sempozyumda \u201colu\u015fan tasarrufun farkl\u0131 ekonomi modelleri ile \u00fclkemizde uygulanabilir hale getirilerek \u00fclkemiz \"\"ekonomisine katk\u0131da bulunmas\u0131 ve ekonomik bu\u0308yu\u0308menin sa\u011flanmas\u0131\u201d t\u00fcm oturumlar\u0131n ana konusunu olu\u015fturdu. Sempozyumun a\u00e7\u0131l\u0131\u015f konu\u015fmas\u0131n\u0131 ger\u00e7ekle\u015ftiren Hazine ve Maliye Bakan Yard\u0131mc\u0131s\u0131 Dr. Nureddin NEBAT\u0130 \u201c<\/strong>tasarrufa dayal\u0131 finansman\u0131n \u00f6n\u00fcm\u00fczdeki d\u00f6nemde yaln\u0131zca \u0130slam \u00fclkelerinde de\u011fil, ayn\u0131 zamanda ekonomik olarak geli\u015fmi\u015f addedilen Bat\u0131 \u00fclkelerinde de gittik\u00e7e a\u011f\u0131rl\u0131k kazanacak bir model te\u015fkil edece\u011fi<\/strong>ni ve ekonomi alan\u0131nda<\/strong> gelece\u011fin parlayan y\u0131ld\u0131z\u0131 olaca\u011f\u0131n\u0131 belirtti\u201d.<\/p>\n

\u00dclke Ekonomisinin B\u00fcy\u00fcmesinde Kilit Nokta; Tasarrufa Dayal\u0131 Finansman!<\/strong><\/h2>\n

Temel amac\u0131, finansal s\u00fcrd\u00fcr\u00fclebilirlik<\/strong> konusunda fark\u0131ndal\u0131k olu\u015fturarak T\u00fcrkiye’de ve yurt d\u0131\u015f\u0131nda \u0130sl\u00e2m\u00ee finans ilkelerine uygun s\u00fcrd\u00fcr\u00fclebilir finansman modellerini te\u015fvik etmenin \u00f6nemini anlatmak olan sempozyumda Hazine ve Maliye Bakan Yard\u0131mc\u0131s\u0131 Dr. Nureddin NEBAT\u0130<\/strong>; tasarrufa dayal\u0131 finansman alan\u0131ndaki as\u0131l amac\u0131n \u00fclkemizin gerek yerel gerek k\u00fcresel \u00f6l\u00e7ekte g\u00fc\u00e7l\u00fc bir akt\u00f6r olarak bu alanda s\u00f6z sahibi olmas\u0131d\u0131r. Tasarrufa Dayal\u0131 Finansman modeli<\/strong>nin g\u00fcn\u00fcm\u00fczde ya\u015fanan k\u00fcresel ekonomik sorunlar\u0131<\/strong> b\u00fcy\u00fck oranda \u00e7\u00f6zebilecek bir potansiyeli oldu\u011funu biliyoruz. Tasarrufa dayal\u0131 finans sistemi<\/strong>nin, uzun vadeli yat\u0131r\u0131m ara\u00e7lar\u0131<\/strong> i\u00e7erisinde, \u0130slami kurallara uyma niyetinde olan, artan risk primleri<\/strong> ve kredi faizleri<\/strong> nedeniyle geleneksel finans sistemi<\/strong>ne kat\u0131lmak istemeyen, kredi notunun d\u00fc\u015f\u00fck olmas\u0131<\/strong> gibi sebeplerle elindeki tasarruflar\u0131 de\u011ferlendiremeyen ki\u015filerin at\u0131l kalm\u0131\u015f tasarruflar\u0131n\u0131n ekonomiye aktar\u0131lmas\u0131<\/strong> i\u00e7in \u00f6nemli bir fonksiyon \u00fcstleniyor.<\/p>\n

Nebati ayr\u0131ca, tasarrufa dayal\u0131 finans sistemi<\/strong>nin, i\u00e7inde bulunulan k\u00fcresel salg\u0131n\u0131n yol a\u00e7t\u0131\u011f\u0131 krizde<\/strong>, en a\u011f\u0131r kayb\u0131 ya\u015fayan mikro, k\u00fc\u00e7\u00fck<\/strong> ve orta b\u00fcy\u00fckl\u00fckteki i\u015fletmeler<\/strong> a\u00e7\u0131s\u0131ndan son derece \u00f6nem ta\u015f\u0131d\u0131\u011f\u0131n\u0131 da kaydetti. \u00dclkemizde faaliyet g\u00f6steren, genel olarak konvansiyonel<\/strong> veya kat\u0131l\u0131m finans sisteminden faydalanamayan<\/strong> veya \u00e7e\u015fitli hassasiyetler sebebiyle faydalanmak istemeyen ki\u015filerin tasarruf etmesine imkan sa\u011flayan firmalar anlaml\u0131<\/strong> ve faydal\u0131<\/strong> bir faaliyette bulunmaktad\u0131r. Ancak, s\u00f6z konusu faaliyetlerin \u00f6zel bir d\u00fczenlemeye tabi olmadan ger\u00e7ekle\u015ftiriliyor olmas\u0131 \u00e7e\u015fitli a\u00e7\u0131lardan riskler bar\u0131nd\u0131rmaktad\u0131r. Bu, bir taraftan firmalar a\u00e7\u0131s\u0131ndan, bir taraftan firmalardan yararlanmak isteyen payda\u015flar a\u00e7\u0131s\u0131ndan en \u00f6nemlisi de tasarrufa dayal\u0131 finansman<\/strong> i\u00e7erisindeki kullan\u0131lan enstr\u00fcmanlar a\u00e7\u0131s\u0131ndan \u00e7ok b\u00fcy\u00fck \u00f6nem<\/strong> arz ediyor.” a\u00e7\u0131klamas\u0131nda bulundu.<\/p>\n

Tasarrufun Artmas\u0131 \u00dclkeleri Refaha G\u00f6t\u00fcrecek En \u00d6nemli Yoldur<\/strong><\/h2>\n

\u0130stanbul Sabahattin Zaim \u00dcniversitesi Rekt\u00f6r\u00fc Mehmet Bulut<\/strong> ise: \u201cBu y\u0131l yine D\u00fcnya Tasarruf G\u00fcn\u00fc<\/strong>\u2019nde ikincisini d\u00fczenledi\u011fimiz Uluslararas\u0131 Tasarruf Sempozyumu<\/strong> ile \u00f6nemli bir \u00e7al\u0131\u015fmaya imza atm\u0131\u015f bulunuyoruz. Kat\u0131l\u0131mc\u0131lar\u0131m\u0131z\u0131n g\u00f6r\u00fc\u015fleri ve yap\u0131lan oturumlardan \u00e7\u0131kan genel g\u00f6r\u00fc\u015fe bakt\u0131\u011f\u0131m\u0131zda t\u00fcm ekonomik<\/strong> ve finansal krizlerin \u00e7\u00f6z\u00fcm\u00fc<\/strong>n\u00fcn faizsiz finansman ile m\u00fcmk\u00fcn olabilece\u011fini s\u00f6yleyebiliriz. Tasarruflar\u0131n artmas\u0131 yat\u0131r\u0131mlar\u0131 art\u0131r\u0131r<\/strong> ve bu artan yat\u0131r\u0131mlar istihdam\u0131<\/strong> genis\u0327letir. Tasarrufun artmas\u0131 \u00fclkeleri refaha g\u00f6t\u00fcrecek en \u00f6nemli yoldur. U\u0308lke ic\u0327i tasarruflar\u0131n\u0131n art\u0131r\u0131lmas\u0131 ekonomik bu\u0308yu\u0308meyi<\/strong> art\u0131racakt\u0131r.\u201d<\/p>\n

Sempozyum sonunda, ger\u00e7ekle\u015fen oturumlar, kat\u0131l\u0131mc\u0131lar\u0131n g\u00f6r\u00fc\u015fleri ve takip eden izleyicilerin yorumlar\u0131na istinaden \u0130stanbul Zaim \u00dcniversitesi Rekt\u00f6r\u00fc Mehmet Bulut<\/strong> yapt\u0131\u011f\u0131 genel de\u011ferlendirmede: \u201cTasarruf finans\u0131nda hem bireysel<\/strong> olarak hem de hukuksal<\/strong> olarak at\u0131lmas\u0131 gereken ad\u0131mlar\u0131n oldu\u011funu g\u00f6rmekteyiz. T\u00fcketim toplumunun getirdi\u011fi fazla harcama e\u011filimini tasarruf ile daha az harcama y\u00f6n\u00fcnde de\u011fi\u015ftirmeliyiz. \u0130mk\u00e2n\u0131n fazla olmas\u0131 harcaman\u0131n fazla olmas\u0131 anlam\u0131na gelmemektedir. Bireysel olarak daha az t\u00fcketme ile biraz daha tasarruf art\u0131rarak topluma yayg\u0131nla\u015ft\u0131rarak \u00fclkeye katk\u0131da bulunmal\u0131y\u0131z. Bu tasarruflar\u0131n artmas\u0131 i\u00e7in topluma e\u011fitimlerin verilmesi<\/strong> ve ekonomi okuryazarl\u0131l\u0131\u011f\u0131n\u0131n art\u0131r\u0131lmas\u0131<\/strong> \u00f6nemlidir. Yat\u0131r\u0131mlar i\u00e7in hisse senetleri, yat\u0131r\u0131m fonlar\u0131,<\/strong> bonolar<\/strong> ve kat\u0131l\u0131m bankalar\u0131<\/strong> gibi d\u00fczenlenen bir\u00e7ok alan mevcut. Fakat d\u00fczenlenmeyen alanlar\u0131n oldu\u011funu da g\u00f6r\u00fcyoruz. \u0130nsanlar\u0131n zaruri ihtiya\u00e7lar\u0131n\u0131 (ev, araba) temin etmek<\/strong> i\u00e7in tasarruf ederek tasarruf \u015firketlerine ba\u015fvuruyorlar.<\/p>\n

Bu \u015firketler son zamanlarda fazlas\u0131yla art\u0131\u015f g\u00f6stermi\u015ftir. Bu \u015firketlerin faaliyetleri bir d\u00fczen i\u00e7erisinde ger\u00e7ekle\u015fmelidir. D\u00fczenlemelerin olmas\u0131 durumunda bir\u00e7ok riskin \u00f6nlenebilece\u011fini g\u00f6rmekteyiz. Bu \u015firketlerin ve sekt\u00f6r\u00fcn zarar g\u00f6rmesini engellemek<\/strong> ad\u0131na \u00f6nlemler ba\u015ftan al\u0131nmal\u0131d\u0131r. Bu alanla alakal\u0131 \u00e7ok h\u0131zl\u0131 d\u00fczenlemelerin yap\u0131lmas\u0131<\/strong> gerekmektedir. Bu alanda d\u00fczenlemelerin yap\u0131lmas\u0131 hem bireysel hem toplumsal<\/strong> hem de k\u00fcresel fayday\u0131<\/strong> sa\u011flayacakt\u0131r ve tasarruf a\u00e7\u0131\u011f\u0131n\u0131<\/strong> b\u00fcy\u00fck oranda kapatacakt\u0131r. Bu konuda hem akademik kurulu\u015flar hem de kamu olarak her birimize bir\u00e7ok g\u00f6rev d\u00fc\u015f\u00fcyor. Bizler \u00fczerimize d\u00fc\u015fen g\u00f6revleri<\/strong> en erken \u015fekilde yerine getirerek bu sistemi daha etkili ve yetkili bi\u00e7imde<\/strong> ortaya koyarak \u00fclkemize<\/strong> ve insanl\u0131\u011fa<\/strong> daha faydal\u0131 olmas\u0131n\u0131 sa\u011flamal\u0131y\u0131z.\u201d dedi.<\/p>\n

2 g\u00fcn<\/strong> s\u00fcren sempozyum, temelde tasarruf kavram\u0131<\/strong> \u00f6zelde ise tasarrufa dayal\u0131 finans modelleri<\/strong>, T\u00fcrkiye ve d\u00fcnyadaki uygulamalar\u0131<\/strong> ve s\u00f6z konusu modellerinin \u0130sl\u00e2m\u00ee finans ilkeleri<\/strong> a\u00e7\u0131s\u0131ndan tetkiki ba\u011flam\u0131nda i\u00e7eriklerden olu\u015fan dikkat \u00e7ekici oturumlar\u0131 ve kat\u0131l\u0131mc\u0131lar\u0131 ile Tasarrufa Dayal\u0131 Finansman Modeli<\/strong>nin \u00f6neminin vurgulanmas\u0131nda \u00f6nemli bir rol \u00fcstlendi.<\/p>","protected":false},"excerpt":{"rendered":"

Sorry, this entry is only available in Turkish. For the sake of viewer convenience, the content is shown below in the alternative language. You may click the link to switch the active language. \u0130stanbul Sabahattin Zaim \u00dcniversitesi taraf\u0131ndan 2’incisi ger\u00e7ekle\u015ftirilen \u201cUluslararas\u0131 Tasarruf Sempozyumu\u201d yerli ve yabanc\u0131 konu\u015fmac\u0131lar\u0131n kat\u0131l\u0131mlar\u0131 ile online olarak d\u00fczenlendi. Kuruldu\u011fu 2010 y\u0131l\u0131ndan […]<\/p>\n","protected":false},"author":1,"featured_media":122963,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[51,53,52],"tags":[66601,26761,81712,52259,3898,81708,81711,81713,81714,81710,81709],"views":174,"_links":{"self":[{"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/posts\/122961"}],"collection":[{"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/comments?post=122961"}],"version-history":[{"count":0,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/posts\/122961\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/media\/122963"}],"wp:attachment":[{"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/media?parent=122961"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/categories?post=122961"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/tags?post=122961"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}