TCMB’nin reeskont kredilerinde ihracat\u00e7\u0131 skoru uygulamas\u0131 13 Ocak 2025 tarihinde y\u00fcr\u00fcrl\u00fc\u011fe girecek. Uygulama ile birlikte, net ihracat\u00e7\u0131 firmalar desteklenmeye devam edilirken, y\u00fcksek teknoloji firmalar\u0131na \u00f6nc\u00fcl\u00fck verilecek.<\/p>\n
T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131n\u0131n (TCMB) blog sayfas\u0131 Merkezin G\u00fcncesi’nde yer alan “Reeskont Kredilerinde Katma De\u011fer Odakl\u0131 \u0130hracat\u00e7\u0131 Skoru Uygulamas\u0131” ba\u015fl\u0131kl\u0131 analizde, piyasa ko\u015fullar\u0131na g\u00f6re avantajl\u0131 bir finansman kayna\u011f\u0131 olan reeskont kredilerinin verimli kulland\u0131r\u0131lmas\u0131n\u0131n finansman kaynaklar\u0131n\u0131n etkin ve etkili da\u011f\u0131l\u0131m\u0131 a\u00e7\u0131s\u0131ndan azami \u00f6nem arz etti\u011fi belirtilerek, “Yeni uygulama ile \u00e7o\u011funlukla net ihracat\u00e7\u0131 firmalar desteklemeye devam edilirken, y\u00fcksek teknolojili firmalara da \u00f6ncelik veriliyor.” denildi.<\/p>\n
Y\u00fcksek teknoloji firmalar\u0131na \u00f6ncelikli destek <\/b><\/p>\n
Merkez Bankas\u0131 Yap\u0131sal Ekonomik Ara\u015ft\u0131rmalar Genel M\u00fcd\u00fcrl\u00fc\u011f\u00fc Uzman Yard\u0131mc\u0131lar\u0131 Muhammed Furkan Erdo\u011fan ve Kadir G\u00fcrci ile Bankac\u0131l\u0131k ve Finansal Kurulu\u015flar Genel M\u00fcd\u00fcrl\u00fc\u011f\u00fc Uzman\u0131 F\u0131rat \u00d6zata taraf\u0131ndan haz\u0131rlanan analiz yay\u0131mland\u0131.<\/p>\n
\u0130hracat\u00e7\u0131lara kulland\u0131r\u0131lan reeskont kredilerinin verimli bir \u015fekilde kullan\u0131m\u0131 amac\u0131yla TCMB b\u00fcnyesinde d\u00fczenli olarak analiz \u00e7al\u0131\u015fmalar\u0131 y\u00fcr\u00fct\u00fcl\u00fcrken, s\u00f6z konusu analizde, son y\u0131llarda reeskont kredilerinin kulland\u0131r\u0131lmas\u0131na y\u00f6nelik yap\u0131lan uygulama de\u011fi\u015fiklikleri ve 13 Ocak 2025’te y\u00fcr\u00fcrl\u00fc\u011fe girecek olan ihracat\u00e7\u0131 skoru uygulamas\u0131na ili\u015fkin bilgilere verildi.<\/p>\n<\/div>\n
Reeskont kredisinden faydalanan firma say\u0131s\u0131 4 y\u0131lda yakla\u015f\u0131k 4 kat artt\u0131 <\/b><\/p>\n
Reeskont kredilerinin etkinli\u011finin art\u0131r\u0131lmas\u0131, cari dengeye daha g\u00fc\u00e7l\u00fc katk\u0131 sa\u011flanmas\u0131 ve daha fazla say\u0131da KOB\u0130’ye uygun finansman ko\u015fullar\u0131 ile kredi kulland\u0131r\u0131lmas\u0131 amac\u0131yla reeskont kredilerinin genel \u00e7er\u00e7evesinde son y\u0131llarda \u00f6nemli uygulama de\u011fi\u015fiklikleri ger\u00e7ekle\u015ftirildi\u011fi belirtilen analizde, 2021’de yap\u0131lan de\u011fi\u015fikliklerle de net ihracat\u00e7\u0131l\u0131k \u015fart\u0131n\u0131n firma se\u00e7iminde temel belirleyici oldu\u011fu, ayr\u0131ca, g\u00fcnl\u00fck reeskont kredi kulland\u0131r\u0131m limitlerinin kademeli olarak art\u0131r\u0131larak finansman imkan\u0131n\u0131n daha eri\u015filebilir hale getirildi\u011fi kaydedildi.<\/p>\n<\/div>\n
Analizde, Aral\u0131k 2018’de yakla\u015f\u0131k 2 bin 100 olan reeskont kredisinden faydalanan firma say\u0131s\u0131n\u0131n Ekim 2024’te yakla\u015f\u0131k 8 bine ula\u015ft\u0131\u011f\u0131, KOB\u0130’lerin reeskont bakiyesi bulunan firmalar i\u00e7erisindeki pay\u0131n\u0131n ise bu d\u00f6nemde y\u00fczde 38’den y\u00fczde 84’e y\u00fckseldi\u011fi bildirildi.<\/p>\n
K\u0131s\u0131tl\u0131 kayna\u011f\u0131n daha etkin da\u011f\u0131t\u0131m\u0131 ama\u00e7lan\u0131yor <\/b><\/p>\n
Son \u00e7al\u0131\u015fmalar kapsam\u0131nda ise TCMB’nin, sunulan k\u0131s\u0131tl\u0131 kayna\u011f\u0131n daha etkin da\u011f\u0131t\u0131m\u0131n\u0131 ama\u00e7layan ihracat\u00e7\u0131 skorunu devreye ald\u0131\u011f\u0131 belirtilen analizde, ihracat\u00e7\u0131 skorunun, net ihracat\u00e7\u0131l\u0131k ko\u015fulu yerine firmalar\u0131n \u00fcrettikleri \u00fcr\u00fcnlerin niteli\u011fini, yaratt\u0131klar\u0131 katma de\u011feri, ihracat performanslar\u0131n\u0131 ve ba\u011fl\u0131 olduklar\u0131 ana grup ili\u015fkilerini dikkate ald\u0131\u011f\u0131 kaydedildi.<\/p>\n<\/div>\n
S\u00f6z konusu skorun hesaplamas\u0131nda kullan\u0131lacak kriterler ve a\u011f\u0131rl\u0131klara yer verilen analizde, “Hesaplamalar, reeskont kredisi talebinde bulunan her bir firma i\u00e7in firman\u0131n beyan etti\u011fi veriler \u00fczerinden bankalarca yap\u0131l\u0131yor. \u00d6ncelikle her bir de\u011fi\u015fken i\u00e7in TCMB taraf\u0131ndan belirlenen e\u015fik de\u011ferlere g\u00f6re puanlama yap\u0131l\u0131yor. Daha sonra, ilgili de\u011fi\u015fkenden al\u0131nan puan o de\u011fi\u015fkenin a\u011f\u0131rl\u0131k katsay\u0131s\u0131 ile \u00e7arp\u0131larak ‘performans’ ve ‘potansiyel’ puanlar\u0131 hesaplan\u0131yor. Herhangi bir puan t\u00fcr\u00fcnden 40 puan ve \u00fczeri alan firmalar, ‘ihracat\u00e7\u0131 skoru y\u00fcksek’ olarak tan\u0131mlan\u0131yor. Her iki puan t\u00fcr\u00fcnden de 40 puan alt\u0131nda alan firmalar ise ‘ihracat\u00e7\u0131 skoru d\u00fc\u015f\u00fck’ olarak tan\u0131mlan\u0131yor.” denildi.<\/p>\n<\/div>\n
Analizde, TCMB b\u00fcnyesinde yer alan firma verileri ve ilgili y\u00f6ntem kullan\u0131larak mal ihracat\u00e7\u0131s\u0131 firmalar\u0131n performans ve potansiyel puanlar\u0131 hesapland\u0131\u011f\u0131nda ula\u015f\u0131lan bulgulara ili\u015fkin \u015fu de\u011ferlendirmelere yer verildi:<\/p>\n
“Nette ihracat\u00e7\u0131 firmalar, nette ithalat\u00e7\u0131 firmalara k\u0131yasla sadece performans de\u011fil, ayn\u0131 zamanda daha y\u00fcksek potansiyel puan\u0131na sahipler. Dolay\u0131s\u0131yla ihracat\u00e7\u0131 skoru uygulamas\u0131 ile d\u00fc\u015f\u00fck potansiyelli nette ithalat\u00e7\u0131 firmalar\u0131n yerine y\u00fcksek potansiyelli ihracat\u00e7\u0131lar\u0131n reeskont kredilerinden daha fazla faydalanabilmesi ama\u00e7lan\u0131yor. Bununla birlikte nette ithalat\u00e7\u0131 olup y\u00fcksek katma de\u011ferli ihracat potansiyeli olan firmalar da reeskont kredilerinden yararlanabiliyor. Ayr\u0131ca, reeskont kredi bakiyesi bulunan firmalar\u0131 puanlar\u0131na g\u00f6re iki gruba ay\u0131r\u0131yoruz; ‘ihracat\u00e7\u0131 skoru y\u00fcksek’ ve ‘ihracat\u00e7\u0131 skoru d\u00fc\u015f\u00fck’ firmalar. Yapt\u0131\u011f\u0131m\u0131z analiz, reeskont kredisi kullanan ve ihracat\u00e7\u0131 skoru y\u00fcksek olan firmalar\u0131n toplam ihracat\u0131n y\u00fczde 23’\u00fcn\u00fc, d\u00fc\u015f\u00fck skorlu firmalar\u0131n ise y\u00fczde 2’sinden daha az\u0131n\u0131 olu\u015fturdu\u011funu g\u00f6steriyor. Y\u00fcksek skorlu firmalar\u0131n ihracat\u0131n\u0131n y\u00fczde 41,5’i orta-y\u00fcksek teknolojili \u00fcr\u00fcnlerden olu\u015furken, bu oran d\u00fc\u015f\u00fck skorlu firmalar i\u00e7in yaln\u0131zca y\u00fczde 2,7’dir. Ayr\u0131ca, d\u00fc\u015f\u00fck skora sahip firmalar genellikle net ithalat\u00e7\u0131 iken, y\u00fcksek skorlu firmalar genelde net ihracat\u00e7\u0131 oluyor.<\/p>\n<\/div>\n
\u00d6zetle, piyasa ko\u015fullar\u0131na g\u00f6re avantajl\u0131 bir finansman kayna\u011f\u0131 olan reeskont kredilerinin verimli kulland\u0131r\u0131lmas\u0131 finansman kaynaklar\u0131n\u0131n etkin ve etkili da\u011f\u0131l\u0131m\u0131 a\u00e7\u0131s\u0131ndan azami \u00f6nem arz ediyor. Yeni uygulama ile \u00e7o\u011funlukla net ihracat\u00e7\u0131 firmalar desteklemeye devam edilirken, y\u00fcksek teknolojili firmalara da \u00f6ncelik veriliyor.”<\/p>\n<\/div>\n<\/p>\n
<\/p>\n
Kaynak :\u00a0Bloomberg HT<\/span><\/p>\n <\/span><\/p>\n","protected":false},"excerpt":{"rendered":" T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131’n\u0131n (TCMB) blog sayfas\u0131 ‘Merkezin G\u00fcncesi’nde reeskont kredilerinde katma de\u011fer odakl\u0131 ihracat\u00e7\u0131 skoru uygulamas\u0131 analiz edildi. Analize g\u00f6re reeskont kredisi kullanan ve ihracat\u00e7\u0131 skoru y\u00fcksek olan firmalar toplam ihracat\u0131n y\u00fczde 23’\u00fcn\u00fc, d\u00fc\u015f\u00fck skorlu firmalar ise y\u00fczde 2’sinden daha az\u0131n\u0131 olu\u015fturuyor.<\/p>\n","protected":false},"author":1,"featured_media":102256,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[4576,292,6056,734,1719],"class_list":["post-102255","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-firmalar","tag-ihracat","tag-reeskont-kredi","tag-uygulama","tag-yuksek"],"_links":{"self":[{"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/posts\/102255","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/comments?post=102255"}],"version-history":[{"count":1,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/posts\/102255\/revisions"}],"predecessor-version":[{"id":102257,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/posts\/102255\/revisions\/102257"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/media\/102256"}],"wp:attachment":[{"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/media?parent=102255"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/categories?post=102255"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/tags?post=102255"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}