Avrupa Merkez Bankas\u0131n\u0131n (AMB) Euro B\u00f6lgesi’nde 155 bankan\u0131n kat\u0131ld\u0131\u011f\u0131 “Banka Kredi Anketi” sonu\u00e7lar\u0131na ili\u015fkin bir rapor yay\u0131mlad\u0131.<\/p>\n
Ge\u00e7en y\u0131l\u0131n son \u00e7eyre\u011fini kapsayan raporda, Euro B\u00f6lgesi’nde bankalar\u0131n son \u00e7eyrekte firmalara kredi \u015fartlar\u0131n\u0131 s\u0131k\u0131la\u015ft\u0131r\u0131rken, hane halk\u0131na konut kredi \u015fartlar\u0131n\u0131 de\u011fi\u015ftirdi\u011fi ve bu y\u0131l\u0131n ilk \u00e7eyre\u011finde s\u0131k\u0131la\u015ft\u0131rmaya devam edece\u011fi kaydedildi.<\/p>\n
AMB\u2019nin raporunda, “Bu, 2023’\u00fcn \u00fc\u00e7\u00fcnc\u00fc \u00e7eyre\u011finden bu yana en belirgin net s\u0131k\u0131la\u015ft\u0131rma. Bu durum, ekonomik g\u00f6r\u00fcn\u00fcmle ilgili alg\u0131lanan risklerin artmas\u0131 ve bankalar\u0131n risk tolerans\u0131n\u0131n azalmas\u0131ndan kaynakland\u0131. Bu da temel olarak siyasi belirsizli\u011fin artt\u0131\u011f\u0131 bir ortamda Almanya ve Fransa’daki bankalardan kaynaklan\u0131rken, \u0130talya’da kredi standartlar\u0131 gev\u015fedi” ifadeleri yer ald\u0131.<\/p>\n
Ge\u00e7en y\u0131l\u0131n son \u00e7eyre\u011finde bankalar\u0131n konut kredi ko\u015fullar\u0131n\u0131 de\u011fi\u015ftirmedi\u011fi belirtilen raporda, y\u0131l\u0131n ilk \u00e7eyre\u011finde bu kredilere talebin artmas\u0131n\u0131n ve kredi ko\u015fullar\u0131n hafif s\u0131k\u0131la\u015ft\u0131r\u0131lmas\u0131n\u0131n beklendi\u011fi bildirildi.<\/p>\n
AMB raporuna g\u00f6re, genel olarak \u015firketlerin kredi talebi 2024’\u00fcn son \u00e7eyre\u011finde zay\u0131f kald\u0131. Bu da \u00f6zellikle sanayi gibi baz\u0131 yat\u0131r\u0131m yo\u011fun sekt\u00f6rlerde devam eden zay\u0131f ekonomik durumu yans\u0131tt\u0131. \u015eirketlerin kredi talebinin mevcut ilk \u00e7eyrekte b\u00fcy\u00fck \u00f6l\u00e7\u00fcde de\u011fi\u015fmeden kalmas\u0131 da bekleniyor.<\/p>\n
“Trump etkisi hissedilmeye ba\u015flad\u0131” <\/b><\/p>\n
Hamburg Ticaret Bankas\u0131 Ba\u015fekonomisti Cyrus de la Rubia, konuya ili\u015fkin de\u011ferlendirmesinde, “Euro B\u00f6lgesi bankalar\u0131 kredi verme konusunda a\u00e7\u0131k\u00e7a daha temkinli hale geliyor. Bu k\u0131smen, alg\u0131lanan riski art\u0131ran ve ekonomik g\u00f6r\u00fcn\u00fcm\u00fc bulan\u0131kla\u015ft\u0131ran Trump etkisinden kaynaklan\u0131yor olabilir\u201d ifadelerini kulland\u0131.<\/p>\n
ING Bank Euro B\u00f6lgesi k\u0131demli ekonomistlerinden Bert Colijn de kredi talebindeki hafif toparlanman\u0131n daha g\u00fc\u00e7l\u00fc bir yat\u0131r\u0131m b\u00fcy\u00fcmesine yol a\u00e7mayaca\u011f\u0131n\u0131 dile getirdi.<\/p>\n
Colijn, \u201cK\u00fcresel risklere ili\u015fkin endi\u015feler artt\u0131k\u00e7a \u015firketler i\u00e7in kredi ko\u015fullar\u0131 s\u0131k\u0131la\u015ft\u0131, ancak kredi talebi hala ihtiyatl\u0131 bir \u015fekilde geni\u015fliyor. Sonu\u00e7 olarak, hamleler \u00f6n\u00fcm\u00fczdeki aylarda yat\u0131r\u0131mlarda anlaml\u0131 bir art\u0131\u015f beklemek i\u00e7in \u00e7ok k\u00fc\u00e7\u00fck ve mevcut yat\u0131r\u0131m ko\u015fullar\u0131 \u00e7ok cazip de\u011fil. Dolay\u0131s\u0131yla imalat sekt\u00f6r\u00fcndeki d\u00fc\u015f\u00fck kapasite kullan\u0131m oranlar\u0131 ve ekonomik belirsizlik, Euro B\u00f6lgesi’ndeki k\u0131sa vadeli yat\u0131r\u0131m potansiyeli \u00fczerinde bask\u0131 olu\u015fturmaya devam etmektedir\u201c de\u011ferlendirmesinde bulundu.<\/p>\n
AMB’nin faiz karar\u0131 <\/b><\/p>\n
\u00d6te yandan 30 Ocak\u2019ta ger\u00e7ekle\u015ftirilecek AMB’nin para politikas\u0131 kurulu toplant\u0131s\u0131 yat\u0131r\u0131mc\u0131lar\u0131n oda\u011f\u0131nda bulunuyor.<\/p>\n
Bu arada, AMB, 12 Aral\u0131k’ta, piyasa beklentileri do\u011frultusunda zay\u0131flayan ekonomiye kar\u015f\u0131 d\u00f6rd\u00fcnc\u00fc faiz indirimine giderek \u00fc\u00e7 temel politika faizini 25 baz puan d\u00fc\u015f\u00fcrm\u00fc\u015ft\u00fc. Banka, mevduat faiz oran\u0131n\u0131 y\u00fczde 3,25’ten 3’e indirmi\u015fti.<\/p>\n
AMB’nin bir sonraki faiz toplant\u0131s\u0131 ise 30 Ocak’ta yap\u0131lacak. Piyasalar, bu toplant\u0131da 25 baz puanl\u0131k faiz indirimi daha bekliyor.<\/p>\n
Bu arada, son haftalarda AMB’nin \u00f6nde gelen temsilcileri, azalan enflasyon riskleri ve zay\u0131f ekonomi g\u00f6z \u00f6n\u00fcne al\u0131nd\u0131\u011f\u0131nda bu y\u0131l daha fazla faiz indirimi sinyali vermi\u015fti.<\/p>\n
Euro B\u00f6lgesi’nde Kas\u0131m’da y\u00fczde 2,2 olan y\u0131ll\u0131k enflasyon Aral\u0131k’ta y\u00fczde 2,4’e y\u00fckselmi\u015fti.<\/p>\n
AMB, Euro B\u00f6lgesindeki enflasyon oran\u0131n\u0131n y\u0131l\u0131n ilk yar\u0131s\u0131nda hedefi olan y\u00fczde 2’ye inece\u011fini \u00f6ng\u00f6r\u00fcyor.<\/p>\n
Euro B\u00f6lgesi’nde bankalar\u0131n kredi ko\u015fullar\u0131 hakk\u0131nda bilgi edinilmesini sa\u011flayan AMB’nin “Banka Kredi Anketi”, y\u0131lda 4 defa yap\u0131l\u0131yor. 10 Aral\u0131k-7 Ocak tarihlerini kapsayan son anket, 155 bankan\u0131n kat\u0131l\u0131m\u0131yla ger\u00e7ekle\u015ftirildi.<\/p>\n<\/div>\n<\/p>\n
<\/p>\n
Kaynak :\u00a0https:\/\/www.bloomberght.com\/euro-bolgesi-nde-kredi-kosullari-sikilasiyor-3740244<\/span><\/p>\n","protected":false},"excerpt":{"rendered":" Avrupa Merkez Bankas\u0131n\u0131n (AMB) “Banka Kredi Anketi” raporunda,\u00a0Euro B\u00f6lgesi’nde bankalar\u0131n, 2024’\u00fcn son \u00e7eyre\u011finde devam eden ekonomik zay\u0131fl\u0131\u011f\u0131n ard\u0131ndan \u015firketlere y\u00f6nelik kredi \u015fartlar\u0131n\u0131 s\u0131k\u0131la\u015ft\u0131rd\u0131\u011f\u0131 ve y\u0131l\u0131n ilk \u00e7eyre\u011finde daha da s\u0131k\u0131la\u015ft\u0131raca\u011f\u0131 belirtildi.<\/p>\n","protected":false},"author":1,"featured_media":25190,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[129,198,118,405,274],"manset":[],"class_list":["post-25189","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-amb","tag-bank","tag-ekonomi","tag-faiz","tag-kredi"],"_links":{"self":[{"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/posts\/25189","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=25189"}],"version-history":[{"count":1,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/posts\/25189\/revisions"}],"predecessor-version":[{"id":25191,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/posts\/25189\/revisions\/25191"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/media\/25190"}],"wp:attachment":[{"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/media?parent=25189"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/categories?post=25189"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/tags?post=25189"},{"taxonomy":"manset","embeddable":true,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/manset?post=25189"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}