{"id":3047,"date":"2023-03-27T18:06:41","date_gmt":"2023-03-27T15:06:41","guid":{"rendered":"https:\/\/www.cigdemguven.com\/?p=3047"},"modified":"2023-04-28T04:22:26","modified_gmt":"2023-04-28T01:22:26","slug":"amerikadaki-bankalarin-batisi","status":"publish","type":"post","link":"https:\/\/www.cigdemguven.com\/tr\/yazilar\/amerikadaki-bankalarin-batisi\/","title":{"rendered":"Amerika\u2019daki Bankalar\u0131n Bat\u0131\u015f\u0131"},"content":{"rendered":"

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Bu batan bankalar aras\u0131nda Amerika\u2019n\u0131n g\u00f6receli en b\u00fcy\u00fck 16.bankas\u0131 olan Silicon Valley Bank \u2019de yer ald\u0131. \u00d6zellikle bu bankan\u0131n batmas\u0131 k\u00fcresel \u00e7apta bir endi\u015fe ve d\u00fc\u015f\u00fcnceye sebep oldu. Bu bat\u0131\u015flarda temel sebep olarak FED \u2019in yapt\u0131\u011f\u0131 faiz art\u0131r\u0131m\u0131 g\u00f6r\u00fcl\u00fcyor. Faiz art\u0131r\u0131m\u0131 sonras\u0131 bankalar\u0131n elinde bulunan Hazine k\u00e2\u011f\u0131tlar\u0131n\u0131n de\u011ferini kaybetmesi bankalar\u0131 etkileyip derinden yaralad\u0131. Bu ka\u011f\u0131tlar\u0131n yan\u0131 s\u0131ra kripto para piyasas\u0131nda ya\u015fanan dalgalanmalar ve d\u00fc\u015f\u00fc\u015fler de bankalar\u0131 etkiledi.\\n\\nSilvergate Capital bankas\u0131yla ba\u015flayan bu bat\u0131\u015f zincirlemesi di\u011fer bankalar\u0131 da vurdu. Kaynaklar\u0131n\u0131n \u00e7o\u011funu FTX isimli kripto para borsas\u0131na ve Hazine ka\u011f\u0131tlar\u0131na yat\u0131ran Silvergate, faiz art\u0131r\u0131mlar\u0131n\u0131n olumsuz etkisiyle kar\u015f\u0131 kar\u015f\u0131ya kald\u0131. Hazine k\u00e2\u011f\u0131tlar\u0131n\u0131n de\u011ferinin d\u00fc\u015fmesi ve FTX borsas\u0131n\u0131n 2022 y\u0131l\u0131 sonbahar\u0131nda \u00e7\u00f6k\u00fc\u015f\u00fcyle beklenmesi gereken ancak \u00f6ng\u00f6r\u00fclemeyen bu 2 b\u00fcy\u00fck darbe sonucu Silvergate dayanamayarak batmak zorunda kald\u0131.\\n\\nStart-up ve teknoloji firmalar\u0131n\u0131n fon deste\u011fi olan ve Amerika\u2019n\u0131n ve D\u00fcnya\u2019n\u0131n gelece\u011finin \u015fekillenmesini sa\u011flayan firmalara kurulu\u015f alan\u0131ndan itibaren fon ve destek olunmas\u0131n\u0131 sa\u011flayan Silicon Valley Bank (SVB) \u2018de bat\u0131\u015f\u0131yla g\u00fcndeme geldi. Bu bat\u0131\u015ftan kurtulmak i\u00e7in 2 milyar dolar sermaye art\u0131\u015f\u0131 gibi ad\u0131mlar atsalar da pek ba\u015far\u0131l\u0131 olamad\u0131lar. Faiz art\u0131r\u0131mlar\u0131 y\u00fcz\u00fcnden ellerindeki Hazine k\u00e2\u011f\u0131tlar\u0131n\u0131n de\u011ferini kaybetmesi de bankan\u0131n zarar\u0131na etki yaratt\u0131. T\u00fcm bunlar olurken bankan\u0131n hisselerindeki d\u00fc\u015f\u00fc\u015fler de durdurulamad\u0131. \u015eubat ay\u0131nda bankan\u0131n CEO\u2019sunun bile kendi hisselerini sat\u0131\u015fa \u00e7\u0131karmas\u0131 zaten olaca\u011f\u0131 g\u00f6zler \u00f6n\u00fcne serdi. \\n\\nSVB\u2019nin bat\u0131\u015f\u0131 gerek teknoloji alan\u0131ndaki bir\u00e7ok yat\u0131r\u0131mc\u0131y\u0131 ve projeyi etkilerken baz\u0131 kripto borsalar\u0131nda da dalgalanmalara yol a\u00e7t\u0131. Bu dalgalanmalar\u0131n \u00f6n\u00fcne ge\u00e7mek i\u00e7in h\u0131zl\u0131 hareket edilmemesi de bir\u00e7ok insan\u0131 pani\u011fe s\u00fcr\u00fckledi. 2008\u2019den bu zamana kadar ya\u015fanan en b\u00fcy\u00fck iflaslardan birisi olarak kayda ge\u00e7en bu bat\u0131\u015f i\u00e7in firmaya h\u00fck\u00fcmet g\u00f6revlileri atand\u0131. 2008\u2019den sonra deneyimli olan FED ve FDIC gerekli ad\u0131mlar\u0131 atarak mevduat sahiplerinin haklar\u0131n\u0131 korumak \u00fczere a\u00e7\u0131klama yapt\u0131. Normal mevduat koruma yasas\u0131na g\u00f6re 250 bin dolar ve alt\u0131 yat\u0131r\u0131mlar\u0131 koruyan devlet bu noktada bankan\u0131n t\u00fcm mevduatlar\u0131n\u0131 \u00f6demek zorunda kald\u0131. Amerika\u2019daki bankalarda bulunan 18 trilyon dolarl\u0131k toplam mevduat\u0131 koruyabilmek i\u00e7in yakla\u015f\u0131k 177 milyar dolarl\u0131k bu \u00f6demeyi yapmak insanlar\u0131n bankalara h\u00fccum etmesini ve paralar\u0131n \u00e7ekilmesini engellemek i\u00e7in yap\u0131ld\u0131. Bu \u015fekilde bir\u00e7ok bankay\u0131 batmaktan kurtararak yeniden ya\u015fanacak b\u00fcy\u00fck \u00e7apl\u0131 bir ekonomik krizi de engelledi.\\n\\nBu etkilerden \u00f6t\u00fcr\u00fc FED\u2019in faiz art\u0131r\u0131m\u0131 yaparken daha dikkatli olunaca\u011f\u0131 \u00f6ng\u00f6r\u00fcl\u00fcyor. Enflasyonu d\u00fc\u015f\u00fcrmek i\u00e7in do\u011fru olarak faiz art\u0131r\u0131m\u0131 yapan FED\u2019in daha \u00f6nceden daha yumu\u015fak ad\u0131mlarla faiz art\u0131r\u0131m\u0131na ba\u015flamas\u0131 ise belki de bu olaylar\u0131n bu kadar b\u00fcy\u00fcmeyece\u011fini d\u00fc\u015f\u00fcnd\u00fcrt\u00fcyor. Lakin do\u011fru ad\u0131mlar\u0131 sayesinde 2008\u2019de ya\u015fanan bir kriz ortam\u0131 bu sefer ger\u00e7ekle\u015fmeyecek gibi g\u00f6r\u00fcl\u00fcyor.\\n\\nFaizlerin yanl\u0131\u015f belirlenmesi bankalar\u0131 iflasa, halk\u0131n birikimlerini ve paralar\u0131n\u0131 kaybetmesine, yabanc\u0131 sermaye ve yat\u0131r\u0131mc\u0131lar\u0131n ipleri eline almas\u0131na ve ekonominin ba\u011f\u0131ms\u0131zl\u0131\u011f\u0131n\u0131 kaybetmesine sebep olabilir. SVB\u2019nin bat\u0131\u015f\u0131nda devletin bankay\u0131 kurtarmak i\u00e7in bir yard\u0131m paketi a\u00e7\u0131klamamas\u0131 nedeniyle BAE, \u0130ngiltere gibi \u00fclkelerden yat\u0131r\u0131mc\u0131lar ve bankalar\u0131n bu bankay\u0131 almas\u0131, m\u00fc\u015fterilerini ve ekosistemini elde etmesi o \u00fclkeler ve firmalar i\u00e7in muazzam bir f\u0131rsat olarak g\u00f6r\u00fclmekte.\\n\\nBankalarda ya\u015fanan bu etkiler nedeniyle yat\u0131r\u0131mc\u0131lar s\u0131\u011f\u0131nacak g\u00fcvenli bir liman aray\u0131\u015f\u0131na ge\u00e7ti. Her zaman t\u00fcm yat\u0131r\u0131mlar aras\u0131nda en g\u00fcvenilir olarak bilinen alt\u0131na olan talep de alt\u0131n fiyatlar\u0131n\u0131 oynatt\u0131. Bankalara kar\u015f\u0131 ya\u015fanan bu g\u00fcven sarst\u0131r\u0131c\u0131 olaylar \u00f6n\u00fcm\u00fczdeki d\u00f6nemlerde de \u00f6zellikle teknoloji sekt\u00f6r\u00fc y\u00f6n\u00fcndeki yat\u0131r\u0131mlar\u0131 aksatacak gibi duruyor.”}]},{“component”:”hc_column”,”id”:”column_7aIP1″,”column_width”:”col-md-12″,”animation”:””,”animation_time”:””,”timeline_animation”:””,”timeline_delay”:””,”timeline_order”:””,”css_classes”:””,”custom_css_classes”:”socialbox”,”custom_css_styles”:””,”main_content”:[{“component”:”hc_space”,”id”:”Hdg76″,”css_classes”:””,”custom_css_classes”:””,”custom_css_styles”:””,”size”:”space-sm”,”height”:””},{“component”:”hc_text_block”,”id”:”zmr0F”,”css_classes”:””,”custom_css_classes”:””,”custom_css_styles”:””,”content”:”Payla\u015f:”},{“component”:”hc_social_share_buttons”,”id”:”P7L30″,”css_classes”:””,”custom_css_classes”:””,”custom_css_styles”:””,”style”:”icon-links-button”,”size”:””,”alignment”:””,”type”:””,”social_colors”:true,”fb”:true,”fb_link”:””,”tw”:true,”tw_link”:””,”pi”:true,”pi_link”:””,”li”:true,”li_link”:””}]}],”section_settings”:””},”section_dDpN7″:{“component”:”hc_section”,”id”:”section_dDpN7″,”section_width”:””,”animation”:””,”animation_time”:””,”timeline_animation”:””,”timeline_delay”:””,”timeline_order”:””,”vertical_row”:””,”css_classes”:”section-color “,”custom_css_classes”:””,”custom_css_styles”:””,”section_content”:[{“component”:”hc_column”,”id”:”XLZ44″,”column_width”:”col-md-12″,”animation”:””,”animation_time”:””,”timeline_animation”:””,”timeline_delay”:””,”timeline_order”:””,”css_classes”:””,”custom_css_classes”:””,”custom_css_styles”:””,”main_content”:[{“component”:”hc_title_tag”,”id”:”4AoyD”,”css_classes”:””,”custom_css_classes”:””,”custom_css_styles”:””,”text”:”Son Yaz\u0131lar”,”tag”:”h2″},{“component”:”hc_space”,”id”:”TsAHd”,”css_classes”:””,”custom_css_classes”:””,”custom_css_styles”:””,”size”:”space”,”height”:””},{“component”:”hc_pt_grid_list”,”id”:”J9IEW”,”css_classes”:””,”custom_css_classes”:””,”custom_css_styles”:””,”post_type_slug”:”post”,”post_type_category”:”yazilar”,”column”:”2″,”column_lg”:”2″,”column_md”:”2″,”column_sm”:”1″,”column_xs”:”1″,”margins”:””,”pag_type”:”load_more”,”pag_items”:”2″,”pag_size”:””,”pag_animation”:”fade-top”,”pag_scroll_top”:false,”pag_position”:”align-center”,”pag_button_prev”:””,”pag_button_next”:””,”lm_lazy”:false,”lm_button_text”:”Daha Fazla”,”box”:”blog_top”,”boxed”:true,”extra”:false,”content”:””,”title_length”:”36″,”excerpt_length”:”75″,”title_size”:”text-md”,”custom_css”:””,”button_text”:””,”button_style”:”square”,”button_dimensions”:”btn-lg”,”button_animation”:false,”button_icon”:””}]}],”section_settings”:””},”scripts”:{“lightbox”:”magnific-popup.min.js”,”pagination”:”pagination.min.js”},”css”:{“lightbox”:”css\/magnific-popup.css”,”content_box”:”css\/content-box.css”,”media_box”:”css\/media-box.css”},”css_page”:””,”template_setting”:{},”template_setting_top”:{},”page_setting”:{“settings”:[“lock-mode-off”]},”post_type_setting”:{“settings”:{“image”:”https:\/\/www.cigdemguven.com\/medias\/2019\/09\/cigdem-guven-bankacilik-1024×714.jpg|753|1080|1159″,”excerpt”:”Ge\u00e7ti\u011fimiz haftalarda pe\u015f pe\u015fe gelen haberlerden ve olaylardan g\u00f6rd\u00fc\u011f\u00fcm\u00fcz \u00fczere Amerika\u2019da bankalarda bir bat\u0131\u015f zincirlemesi s\u00f6z konusu durumda. Bu batan bankalar aras\u0131nda Amerika\u2019n\u0131n g\u00f6receli en b\u00fcy\u00fck 16.bankas\u0131 olan Silicon Valley Bank \u2019de yer ald\u0131. \u00d6zellikle bu bankan\u0131n batmas\u0131 k\u00fcresel \u00e7apta bir endi\u015fe ve d\u00fc\u015f\u00fcnceye sebep oldu. Bu bat\u0131\u015flarda temel sebep olarak FED \u2019in yapt\u0131\u011f\u0131 faiz art\u0131r\u0131m\u0131 g\u00f6r\u00fcl\u00fcyor. Faiz art\u0131r\u0131m\u0131 sonras\u0131 bankalar\u0131n elinde bulunan Hazine k\u00e2\u011f\u0131tlar\u0131n\u0131n de\u011ferini kaybetmesi bankalar\u0131 etkileyip derinden yaralad\u0131. Bu ka\u011f\u0131tlar\u0131n yan\u0131 s\u0131ra kripto para piyasas\u0131nda ya\u015fanan dalgalanmalar ve d\u00fc\u015f\u00fc\u015fler de bankalar\u0131 etkiledi.”,”extra_1″:”Yaz\u0131”,”extra_2″:””,”icon”:{“icon”:””,”icon_style”:””,”icon_image”:””}}}}<\/p>\n","protected":false},"excerpt":{"rendered":"

Ge\u00e7ti\u011fimiz haftalarda pe\u015f pe\u015fe gelen haberlerden ve olaylardan g\u00f6rd\u00fc\u011f\u00fcm\u00fcz \u00fczere Amerika\u2019da bankalarda bir bat\u0131\u015f zincirlemesi s\u00f6z konusu durumda. Bu batan bankalar aras\u0131nda Amerika\u2019n\u0131n g\u00f6receli en b\u00fcy\u00fck 16.bankas\u0131 olan Silicon Valley Bank \u2019de yer ald\u0131. \u00d6zellikle bu bankan\u0131n batmas\u0131 k\u00fcresel \u00e7apta bir endi\u015fe ve d\u00fc\u015f\u00fcnceye sebep oldu. Bu bat\u0131\u015flarda temel sebep olarak FED \u2019in yapt\u0131\u011f\u0131 faiz art\u0131r\u0131m\u0131 g\u00f6r\u00fcl\u00fcyor. Faiz art\u0131r\u0131m\u0131 sonras\u0131 bankalar\u0131n elinde bulunan Hazine k\u00e2\u011f\u0131tlar\u0131n\u0131n de\u011ferini kaybetmesi bankalar\u0131 etkileyip derinden yaralad\u0131. Bu ka\u011f\u0131tlar\u0131n yan\u0131 s\u0131ra kripto para piyasas\u0131nda ya\u015fanan dalgalanmalar ve d\u00fc\u015f\u00fc\u015fler de bankalar\u0131 etkiledi.<\/p>\n","protected":false},"author":1,"featured_media":1159,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12,19],"tags":[],"class_list":["post-3047","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-genel","category-yazilar"],"yoast_head":"\nAmerika\u2019daki Bankalar\u0131n Bat\u0131\u015f\u0131 | \u00c7i\u011fdem G\u00fcven Management Consulting & Coaching & Mentoring Services<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cigdemguven.com\/tr\/yazilar\/amerikadaki-bankalarin-batisi\/\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Amerika\u2019daki Bankalar\u0131n Bat\u0131\u015f\u0131 | \u00c7i\u011fdem G\u00fcven Management Consulting & Coaching & Mentoring Services\" \/>\n<meta property=\"og:description\" content=\"Ge\u00e7ti\u011fimiz haftalarda pe\u015f pe\u015fe gelen haberlerden ve olaylardan g\u00f6rd\u00fc\u011f\u00fcm\u00fcz \u00fczere Amerika\u2019da bankalarda bir bat\u0131\u015f zincirlemesi s\u00f6z konusu durumda. Bu batan bankalar aras\u0131nda Amerika\u2019n\u0131n g\u00f6receli en b\u00fcy\u00fck 16.bankas\u0131 olan Silicon Valley Bank \u2019de yer ald\u0131. \u00d6zellikle bu bankan\u0131n batmas\u0131 k\u00fcresel \u00e7apta bir endi\u015fe ve d\u00fc\u015f\u00fcnceye sebep oldu. Bu bat\u0131\u015flarda temel sebep olarak FED \u2019in yapt\u0131\u011f\u0131 faiz art\u0131r\u0131m\u0131 g\u00f6r\u00fcl\u00fcyor. Faiz art\u0131r\u0131m\u0131 sonras\u0131 bankalar\u0131n elinde bulunan Hazine k\u00e2\u011f\u0131tlar\u0131n\u0131n de\u011ferini kaybetmesi bankalar\u0131 etkileyip derinden yaralad\u0131. 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