{"id":22490,"date":"2025-05-29T14:12:08","date_gmt":"2025-05-29T14:12:08","guid":{"rendered":"https:\/\/kamucalisanlari.net\/?p=22490"},"modified":"2025-05-29T14:12:08","modified_gmt":"2025-05-29T14:12:08","slug":"abd-kredi-karti-temerrutleri-14-yilin-zirvesinde","status":"publish","type":"post","link":"https:\/\/kamucalisanlari.net\/index.php\/2025\/05\/29\/abd-kredi-karti-temerrutleri-14-yilin-zirvesinde\/","title":{"rendered":"ABD kredi kart\u0131 temerr\u00fctleri 14 y\u0131l\u0131n zirvesinde"},"content":{"rendered":"<p><p>ABD kredi kart\u0131 \u00f6demelerindeki temerr\u00fctler, d\u00fc\u015f\u00fck gelirli t\u00fcketicilerin mali sa\u011fl\u0131klar\u0131n\u0131n y\u00fcksek enflasyon y\u0131llar\u0131 sonras\u0131nda zay\u0131flad\u0131\u011f\u0131n\u0131n bir i\u015fareti olarak 2008 mali krizinin ard\u0131ndan en y\u00fcksek seviyeye ula\u015ft\u0131.<\/p>\n<p>BankRegData taraf\u0131ndan derlenen sekt\u00f6r verilerine g\u00f6re, bankalar 2024&#8217;\u00fcn ilk dokuz ay\u0131nda tahsili gecikmi\u015f kredi kart\u0131 bakiyelerinde 46 milyar dolarl\u0131k tasfiye karar\u0131 ald\u0131. Tasfiye edilen kredi kart\u0131 borcu ge\u00e7en y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re y\u00fczde 50 artt\u0131 ve 2010&#8217;dan bu yana en y\u00fcksek seviyeye \u00e7\u0131kt\u0131. <\/p>\n<div>\n<p>Moody&#8217;s Analytics Ba\u015fkan\u0131 Mark Zandi, &#8220;Y\u00fcksek gelirli haneler iyi durumda, ancak daha alt sosyoekonomik stat\u00fcde yer alan ABD t\u00fcketicilerinin \u00fc\u00e7te biri t\u00fckendi. \u015eu anda tasarruf oranlar\u0131 s\u0131f\u0131r d\u00fczeyinde&#8221; de\u011ferlendirmesini yapt\u0131. <\/p>\n<p>Bankalar hen\u00fcz d\u00f6rd\u00fcnc\u00fc \u00e7eyrek bilan\u00e7olar\u0131n\u0131 a\u00e7\u0131klamad\u0131 ancak \u00f6nc\u00fc g\u00f6stergeler, t\u00fcketicilerin bor\u00e7lar\u0131nda temerr\u00fct dalgas\u0131n\u0131n geni\u015fledi\u011fine i\u015faret ediyor. JPMorgan Chase ve Citigroup&#8217;tan sonra ABD&#8217;nin \u00fc\u00e7\u00fcnc\u00fc b\u00fcy\u00fck bankas\u0131 Capital One, yak\u0131n zamanda Kas\u0131m ay\u0131 itibar\u0131yla y\u0131ll\u0131k kredi kart\u0131nda tasfiye oran\u0131n\u0131n y\u00fczde 6,1&#8217;e ula\u015ft\u0131\u011f\u0131n\u0131 ifade etti. \u00d6nceki y\u0131l\u0131n ayn\u0131 d\u00f6neminde bu oran y\u00fczde 5,2 seviyesindeydi. <\/p>\n<\/div>\n<\/p>\n<p><\/p>\n<p>Kaynak :\u00a0<span style=\"background-color: rgb(255, 249, 236); color: rgb(55, 58, 60); font-size: 14px;\">https:\/\/www.bloomberght.com\/abd-kredi-karti-temerrutleri-14-yilin-zirvesinde-3738135<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>ABD&#8217;de kredi kartlar\u0131nda tasfiye edilen bor\u00e7 tutar\u0131 y\u0131l\u0131n ilk 9 ay\u0131nda ge\u00e7en y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re y\u00fczde 50 art\u0131\u015fla 46 milyar dolar olarak kaydedildi.<\/p>\n","protected":false},"author":1,"featured_media":22491,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"manset":[],"class_list":["post-22490","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi"],"_links":{"self":[{"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/posts\/22490","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/comments?post=22490"}],"version-history":[{"count":1,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/posts\/22490\/revisions"}],"predecessor-version":[{"id":22492,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/posts\/22490\/revisions\/22492"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/media\/22491"}],"wp:attachment":[{"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/media?parent=22490"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/categories?post=22490"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/tags?post=22490"},{"taxonomy":"manset","embeddable":true,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/manset?post=22490"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}