{"id":2808,"date":"2026-04-04T13:22:17","date_gmt":"2026-04-04T13:22:17","guid":{"rendered":"https:\/\/bcdturkey.com.tr\/?page_id=2808"},"modified":"2026-04-04T13:22:53","modified_gmt":"2026-04-04T13:22:53","slug":"bilanco","status":"publish","type":"page","link":"https:\/\/bcdturkey.com.tr\/en\/bilanco\/","title":{"rendered":"Bilan\u00e7o"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"2808\" class=\"elementor elementor-2808\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6bb2cdc e-flex e-con-boxed e-con e-parent\" data-id=\"6bb2cdc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-18d185c elementor-widget elementor-widget-html\" data-id=\"18d185c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div class=\"bcd-bilanco-wrapper\">\n  <h2 class=\"bcd-main-title\">Bilan\u00e7o<\/h2>\n\n  <div class=\"bcd-tabs-layout\">\n    <div class=\"bcd-tabs-menu\">\n      <button class=\"bcd-tab-btn active\" data-tab=\"varliklar\">\n        <span class=\"bcd-tab-icon\">\n          <svg viewbox=\"0 0 24 24\" fill=\"none\">\n            <path d=\"M8 8h8v8H8z\" stroke=\"currentColor\" stroke-width=\"1.8\"\/>\n            <path d=\"M4 12V4h8\" stroke=\"currentColor\" stroke-width=\"1.8\"\/>\n            <path d=\"M20 12v8h-8\" stroke=\"currentColor\" stroke-width=\"1.8\"\/>\n          <\/svg>\n        <\/span>\n        <span>Varl\u0131klar &amp; Y\u00fck\u00fcml\u00fcl\u00fckler<\/span>\n      <\/button>\n\n      <button class=\"bcd-tab-btn\" data-tab=\"krediler\">\n        <span class=\"bcd-tab-icon\">\n          <svg viewbox=\"0 0 24 24\" fill=\"none\">\n            <rect x=\"3.5\" y=\"6.5\" width=\"17\" height=\"11\" rx=\"1.8\" stroke=\"currentColor\" stroke-width=\"1.8\"\/>\n            <path d=\"M3.5 10h17\" stroke=\"currentColor\" stroke-width=\"1.8\"\/>\n            <path d=\"M7 14h4\" stroke=\"currentColor\" stroke-width=\"1.8\"\/>\n          <\/svg>\n        <\/span>\n        <span>Krediler<\/span>\n      <\/button>\n\n      <button class=\"bcd-tab-btn\" data-tab=\"sermaye\">\n        <span class=\"bcd-tab-icon\">\n          <svg viewbox=\"0 0 24 24\" fill=\"none\">\n            <path d=\"M12 7a3 3 0 100-6 3 3 0 000 6z\" transform=\"translate(0 3)\" stroke=\"currentColor\" stroke-width=\"1.8\"\/>\n            <path d=\"M5 20v-2.2A3.8 3.8 0 018.8 14h6.4A3.8 3.8 0 0119 17.8V20\" stroke=\"currentColor\" stroke-width=\"1.8\"\/>\n            <path d=\"M3.5 9.5h17\" stroke=\"currentColor\" stroke-width=\"1.8\"\/>\n          <\/svg>\n        <\/span>\n        <span>Sermaye<\/span>\n      <\/button>\n\n      <button class=\"bcd-tab-btn\" data-tab=\"rasyolar\">\n        <span class=\"bcd-tab-icon\">\n          <svg viewbox=\"0 0 24 24\" fill=\"none\">\n            <path d=\"M5 18V10\" stroke=\"currentColor\" stroke-width=\"1.8\"\/>\n            <path d=\"M10 18V6\" stroke=\"currentColor\" stroke-width=\"1.8\"\/>\n            <path d=\"M15 18v-4\" stroke=\"currentColor\" stroke-width=\"1.8\"\/>\n            <path d=\"M20 18V8\" stroke=\"currentColor\" stroke-width=\"1.8\"\/>\n            <path d=\"M3 18h18\" stroke=\"currentColor\" stroke-width=\"1.8\"\/>\n          <\/svg>\n        <\/span>\n        <span>Rasyolar<\/span>\n      <\/button>\n\n      <button class=\"bcd-tab-btn\" data-tab=\"ulkeler\">\n        <span class=\"bcd-tab-icon\">\n          <svg viewbox=\"0 0 24 24\" fill=\"none\">\n            <path d=\"M5 20V5\" stroke=\"currentColor\" stroke-width=\"1.8\"\/>\n            <path d=\"M5 6c2-1.2 3.5-1.2 5 0s3 .8 5-.2 3.5-1 4.5-.2v8c-1-.8-2.5-.8-4.5.2s-3.5 1.2-5 .2-3-.8-5 0\" stroke=\"currentColor\" stroke-width=\"1.8\"\/>\n          <\/svg>\n        <\/span>\n        <span>\u00dclkeler<\/span>\n      <\/button>\n    <\/div>\n\n    <div class=\"bcd-tabs-content\">\n\n      <div class=\"bcd-tab-panel active\" id=\"varliklar\">\n        <h3>Varl\u0131klar &amp; Y\u00fck\u00fcml\u00fcl\u00fckler<\/h3>\n\n        <p>Firman\u0131n varl\u0131klar\u0131n\u0131n (aktifler) kalitesi ve de\u011ferliliklerinin analizi ile yine y\u00fck\u00fcml\u00fcl\u00fcklerinin analizini KOB\u0130 ler i\u00e7in ortaya koyar.<\/p>\n\n        <p class=\"bcd-green\">BCD  bu \u00e7er\u00e7evede  \u015fu hizmetleri sunmaktad\u0131r:<\/p>\n\n        <ul class=\"bcd-green-list\">\n          <li>Firmalar\u0131n aktiflerinin de\u011ferlilik tespitlerini analiz eder,<\/li>\n          <li>Bu de\u011ferliliklerin rasyolara etkisini belirler,<\/li>\n          <li>T\u00fcm rasyo ve finansal analizlere etkilerini ortaya koyar .<\/li>\n        <\/ul>\n      <\/div>\n\n      <div class=\"bcd-tab-panel\" id=\"krediler\">\n        <h3>Krediler<\/h3>\n\n        <p>Bankalar kredileri kendi politikalar\u0131n\u0131 da g\u00f6zeterek s\u0131n\u0131fland\u0131r\u0131rlar. M\u00fc\u015fteri, \u201c kendinin hangi s\u0131n\u0131fta oldu\u011funu ya da \u00e7al\u0131\u015ft\u0131\u011f\u0131 bankalar de\u011ferlendirme ve alg\u0131s\u0131nda hangi s\u0131n\u0131fta de\u011ferlendirildi\u011fini\u201d bilemez ancak kredinin tesis edilmesinden, teminat\u0131na ve fiyatlamas\u0131na kadar kredi maliyet ve devaml\u0131l\u0131\u011f\u0131n\u0131 sa\u011flayacak t\u00fcm de\u011fi\u015fken ve parametrelerde bu s\u0131n\u0131flama esast\u0131r.<\/p>\n\n        <p>Kobi firma bunu \u00f6nceden BCD\u2019den alaca\u011f\u0131 hizmetle y\u00f6netebilir ve y\u00fcr\u00fctebilir.<\/p>\n\n        <p>Minimal risk ve d\u00fc\u015f\u00fck risk, firmalar\u0131n \u00f6z sermaye - nakit yaratma kapasitesinin y\u00fcksekli\u011fini , iyi y\u00f6netim gibi unsurlar\u0131 g\u00f6sterir ve genelde uluslararas\u0131 ba\u011f\u0131ms\u0131z denetim ve derecelendirme raporu ile performans\u0131 teyit edilen firmalar\u0131 ifade eder.<\/p>\n\n        <p>Ancak T\u00fcrkiyede mevcut 3.300.000 KOB\u0130 firman\u0131n, \u201cesnaf\u201d \u015feklinde ifade edebileceklerimiz d\u0131\u015f\u0131nda kalan 500- 600 bininden \u00e7ok az\u0131 bu kapsamda \u00e7al\u0131\u015ft\u0131\u011f\u0131ndan, \u00e7o\u011funlukla banka ve kredit\u00f6rler taraf\u0131ndan hem kendi politikalar\u0131 hem de \u00e7al\u0131\u015fanlar\u0131n\u0131n tecr\u00fcbe ve isteklilikleri \u00e7er\u00e7evesinde riskli olarak de\u011ferlendirilmekte, bu da gerek i\u015fletme ve gerekse yat\u0131r\u0131m finansman\u0131nda gerekli desteklerin uygun teminat ve faiz oranlar\u0131 ile sa\u011flanmas\u0131n\u0131 olduk\u00e7a zorla\u015ft\u0131rmaktad\u0131r.<\/p>\n\n        <p>KOB\u0130 d\u00fcnyas\u0131nda bu tan\u0131mla ifade edebilece\u011fimiz ve banka alg\u0131s\u0131nda bu \u00e7er\u00e7evede yer alabilecek firma azl\u0131\u011f\u0131n\u0131 g\u00f6z \u00f6n\u00fcne ald\u0131\u011f\u0131m\u0131zda Makul ve Makbul risk olarak ifade edilebilecek firma tan\u0131m\u0131n\u0131 \u201cistikrarl\u0131 performans\u0131n\u0131 s\u00fcrd\u00fcrebilen \u00f6zkaynak-gelir ve nakit yaratma g\u00fcc\u00fc y\u00fcksek firmalar\u201d olarak ifade edebiliriz. Bankalar nezdinde ise bu firmalar\u0131n kredilerinin genel anlamda kefalet kar\u015f\u0131l\u0131\u011f\u0131 tesis edilebildi\u011fini g\u00f6rmekteyiz.<\/p>\n\n        <p>Orta risk ise BCD \u2019 nin misyonunda da \u201dKOB\u0130 firmalar\u0131 korumaya y\u00f6nelik yer alan piyasa etkile\u015fim ve de\u011fi\u015fkenlerine a\u00e7\u0131k ve duyarl\u0131 firmalardaki olas\u0131 etkilenme olas\u0131l\u0131\u011f\u0131n\u0131 ve sonu\u00e7ta banka ve kredit\u00f6rlerin yak\u0131n izledikleri firmalar\u0131\u201d ifade etmektedir. Bu t\u00fcr firmalar\u0131n kredilerinin a\u011f\u0131rl\u0131kl\u0131 maddi teminat ile tesis edildi\u011fi g\u00f6r\u00fclmektedir.<\/p>\n\n        <p>Bu kredilerin ve limitlerinin kimi zaman azalt\u0131lmas\u0131 -dondurulmas\u0131\u2013 geri \u00e7a\u011fr\u0131lmas\u0131 ya da risk seviyesine indirilmesi, KOB\u0130 firmalar\u0131n uygulamalarda muhatap kald\u0131klar\u0131 hem piyasa hemde bas\u0131nda zaman zaman kar\u015f\u0131la\u015f\u0131lan bir durumdur. Kredi maliyetleri de g\u00f6receli daha y\u00fcksektir.<\/p>\n\n        <p>Y\u00fcksek risk ise \u201cKOB\u0130 firmalarda s\u00fcreklilik i\u00e7eren gerilemeyi\u201d ifade etti\u011fi i\u00e7in banka ve kredit\u00f6rler nezdinde genel olarak moralite ve kredibilite olumsuz de\u011ferlendirilmektedir.<\/p>\n\n        <p>Bankalar\u0131n kendi aralar\u0131ndaki istihbarat bilgi al\u0131\u015fveri\u015fleri \u2013 pari passu uygulamalar\u0131 ( Bir bankan\u0131n kredi tesis ko\u015fullar\u0131n\u0131n di\u011fer bankalarca da teminat ko\u015fullar\u0131nda e\u015flenik ayn\u0131 i\u00e7erikte istenilmesi\/\u015fart ko\u015fulmas\u0131) \u2013 Kredinin limitinin dondurulmas\u0131, geri \u00e7a\u011fr\u0131lmas\u0131 gibi uygulamalar ile bankalar\u0131n politikalar\u0131ndaki farkl\u0131 yakla\u015f\u0131mlar sonucu yans\u0131malar, KOB\u0130 nin istikrarl\u0131 ve devaml\u0131l\u0131\u011f\u0131n\u0131 sa\u011flayacak finansal y\u00f6netimine \u00e7ok ciddi olumsuzluklar getirece\u011finden BCD dan\u0131\u015fmanl\u0131k analiz ve \u00f6nerileri KOB\u0130 firmalar i\u00e7in hayati \u00f6nem arzetmektedir.<\/p>\n\n        <p>En yayg\u0131n sonu\u00e7lardan biri de piyasada makul riske sahip firmalar\u0131n kulland\u0131klar\u0131 ortalama faiz oranlar\u0131n\u0131n kimi zaman 1\/3 e varan oranlarda daha fazla kredi faiz oran\u0131 ile kredi kullanmak mecburiyetinde kalmalar\u0131d\u0131r.<\/p>\n\n        <p>Bu durum makul riskin tan\u0131m\u0131 i\u00e7inde yer alan nakit yaratma ve karl\u0131l\u0131\u011f\u0131n olumsuz etkilenmesine neden olmaktad\u0131r. \u0130flas eden ya da zor duruma d\u00fc\u015fen KOB\u0130 lerin \u00f6nemli b\u00f6l\u00fcm\u00fc kar edemediklerinden de\u011fil, likitide ve banka ve kredit\u00f6rlerce finansman olanaklar\u0131n\u0131n k\u0131s\u0131tlanmas\u0131 ya da zaman i\u00e7erisinde s\u0131k de\u011fi\u015fiklik g\u00f6stermesi nedeni ile ger\u00e7ekle\u015fmektedir.<\/p>\n\n        <p class=\"bcd-green\">BCD  bu \u00e7er\u00e7evede \u015fu hizmetleri sunmaktad\u0131r:<\/p>\n\n        <ul class=\"bcd-green-list\">\n          <li>KOB\u0130 firmalar\u0131n ekonomik ve finansal \u00f6n tan\u0131 ve bulgular\u0131n\u0131n saptamas\u0131,<\/li>\n          <li>Kobi firmalar\u0131n  finansal ihtiya\u00e7 analizi,<\/li>\n          <li>KOB\u0130 firmalar i\u00e7in en uygun finansman ve kredi modelinin analizi,<\/li>\n          <li>KOB\u0130 firmalara gerekli finansman kaynaklar\u0131n\u0131 sa\u011flama altyap\u0131s\u0131n\u0131n haz\u0131rlanmas\u0131,<\/li>\n          <li>Uygun vade ve kullan\u0131m s\u00fcre\u00e7lerininin belirlenmesi,<\/li>\n          <li>Kredi dosyalar\u0131n\u0131 olu\u015fturulmas\u0131n\u0131n y\u00f6nlendirilmesi,<\/li>\n          <li>Banka ve Finans kurulu\u015flar\u0131 ile fiyat, teminat, vade ve di\u011fer g\u00f6r\u00fc\u015fmelerin altyap\u0131s\u0131n\u0131n haz\u0131rlanmas\u0131,<\/li>\n          <li>KOB\u0130 firmalar\u0131n kredi ba\u015fvuru ve taleplerini y\u00f6netme, Banka ve finans kurulu\u015flar\u0131 ile olan ili\u015fkilerin y\u00f6nlendirilmesine y\u00f6nelik \u00f6neriler geli\u015ftirilmesi,<\/li>\n          <li>Bu kapsamdaki KOB\u0130 firman\u0131n kendi \u00f6z disiplini i\u00e7in yapt\u011f\u0131 \u00e7al\u0131\u015fmalarla ayn\u0131 zamanda Banka ve finans kurulu\u015flar\u0131n\u0131nda KOB\u0130 firmam\u0131za y\u00f6nelik yapaca\u011f\u0131 kredi ve limit \u00e7al\u0131\u015fmalar\u0131n\u0131n da daha h\u0131zl\u0131 ve verimli yap\u0131lmas\u0131na olanak sa\u011flanmas\u0131.<\/li>\n        <\/ul>\n      <\/div>\n\n      <div class=\"bcd-tab-panel\" id=\"sermaye\">\n        <h3>Sermaye<\/h3>\n\n        <p>\u0130\u015fletme sermayesi ki en \u00f6nemli i\u015flevi firmalar\u0131n g\u00fcnl\u00fck nakit ihtiyac\u0131 ve operasyonlar\u0131n\u0131n s\u00fcrd\u00fcr\u00fclebilmesini sa\u011flamakt\u0131r. Ticaretin, hizmet al\u0131m\u0131n\u0131n, tedarik, stok, \u00fcretim ve pazarlama operasyonlar\u0131 ile harcamalar\u0131n finansman\u0131n\u0131 ifade eder. Di\u011fer bir deyi\u015fle bor\u00e7 finansman\u0131d\u0131r.<\/p>\n\n        <p>Banka ve kredit\u00f6rlerce i\u015fletme sermayesi anlam\u0131nda sunulan hizmetlere a\u015fa\u011f\u0131daki \u00fcr\u00fcnleri sayabiliriz.<\/p>\n\n        <ul class=\"bcd-dot-list\">\n          <li>Nakit Kredi (Spot ve Rotatif)<\/li>\n          <li>E\u015fit Taksitli Ticari Kredi<\/li>\n          <li>BCH Kredileri<\/li>\n          <li>Fakt\u00f6ring Limiti<\/li>\n          <li>Gayri Nakdi Krediler (Teminat Mektubu, Aval Kabul vs.)<\/li>\n          <li>Akreditif<\/li>\n        <\/ul>\n\n        <p>Yat\u0131r\u0131m sermayesi, firmalar\u0131n genelde i\u015flerini b\u00fcy\u00fctmeye y\u00f6nelik yat\u0131r\u0131mlar\u0131n\u0131n finansman\u0131n\u0131 ifade eder.<\/p>\n\n        <p>Kredit\u00f6rlerce i\u015fletme sermayesi anlam\u0131nda sunulan hizmetlere a\u015fa\u011f\u0131daki \u00fcr\u00fcnleri sayabiliriz.<\/p>\n\n        <ul class=\"bcd-dot-list\">\n          <li>E\u015fit Taksitli Ticari Kredi<\/li>\n          <li>Ara \u00d6demeli ve E\u015fit Taksitli Ticari Kredi<\/li>\n          <li>Leasing<\/li>\n        <\/ul>\n\n        <p class=\"bcd-green\">BCD  bu \u00e7er\u00e7evede \u015fu hizmetleri sunmaktad\u0131r:<\/p>\n\n        <ul class=\"bcd-green-list\">\n          <li>KOB\u0130 firmalar\u0131n ekonomik ve finansal \u00f6n tan\u0131 ve bulgular\u0131n\u0131 saptama,<\/li>\n          <li>KOB\u0130 firmalar\u0131n  finansal ihtiya\u00e7 analizini yapma,<\/li>\n          <li>KOB\u0130 firmalar i\u00e7in en uygun finansman ve kredi modelinin analizi,<\/li>\n          <li>KOB\u0130 firmalara gerekli finansman kaynaklar\u0131n\u0131 sa\u011flama altyap\u0131s\u0131n\u0131n haz\u0131rlanmas\u0131,<\/li>\n          <li>Uygun vade ve kullan\u0131m s\u00fcre\u00e7lerini belirleme,<\/li>\n          <li>Kredi dosyalar\u0131n\u0131 olu\u015fturma ,<\/li>\n          <li>Finans kurulu\u015flar\u0131 ile fiyat, teminat, vade ve di\u011fer g\u00f6r\u00fc\u015fmelerin altyap\u0131s\u0131n\u0131n haz\u0131rlanmas\u0131,<\/li>\n          <li>KOB\u0130 firmalar\u0131n kredi ba\u015fvuru ve taleplerini y\u00f6netme, finans kurulu\u015flar\u0131 ile olan ili\u015fkilerin y\u00f6nlendirilmesi ve \u00f6neriler geli\u015ftirilmesi.<\/li>\n        <\/ul>\n      <\/div>\n\n      <div class=\"bcd-tab-panel\" id=\"rasyolar\">\n        <h3>Rasyolar<\/h3>\n\n        <p>Bankalar ve finansman kurulu\u015flar\u0131 \u00e7ok\u00e7a say\u0131da KOB\u0130  ile bir yo\u011funluk i\u00e7inde  \u00e7al\u0131\u015fmaktalar. \u015eubelerde h\u0131zl\u0131  \u00e7al\u0131\u015fan devinimi (turnover ) ile \u015fubelerde h\u0131zl\u0131 de\u011fi\u015fen \u00e7al\u0131\u015fan yap\u0131s\u0131 KOB\u0130 firmalar\u0131n s\u00fcrekli kendilerini yeni banka m\u00fcd\u00fcr ve \u00e7al\u0131\u015fanlara tan\u0131tma, ifade ve ispat etme zorunlulu\u011fu ile  y\u00fck\u00fc getirmektedir. \u00c7ok\u00e7a finans sekt\u00f6r\u00fc gen\u00e7 \u00e7al\u0131\u015fan\u0131n sekt\u00f6r ve i\u015fkolu bilgi tecr\u00fcbe eksikli\u011fi banka ve di\u011fer finans kurulu\u015flar\u0131 genel m\u00fcd\u00fcrl\u00fck krediler birimlerininde KOB\u0130 firmalar\u0131 sadece finansal   rasyolarla de\u011ferlendirmelerine neden olabilmektedir.<\/p>\n\n        <p class=\"bcd-green\">BCD  bu \u00e7er\u00e7evede \u015fu hizmetleri sunmaktad\u0131r:<\/p>\n\n        <ul class=\"bcd-green-list\">\n          <li>KOB\u0130 firmalar\u0131n rasyolar\u0131n\u0131n bankalar\u0131n de\u011ferlendirme kriterlerine uygun \u00e7\u0131kmas\u0131n\u0131 sa\u011flayacak finansal \u00f6nerilerde bulunur,<\/li>\n          <li>Gerek KOB\u0130 firma bilan\u00e7osunda yer alan duran varl\u0131klar  ve gerekse kefalet imzas\u0131 olan ortaklar\u0131n gayr\u0131menkul varl\u0131klar\u0131n\u0131n g\u00fcncel SPK lisansl\u0131 firmalarca de\u011ferlendirmesinin yapt\u0131r\u0131lmas\u0131n\u0131 \u00f6nerip \u2013 sa\u011flayarak bu varl\u0131klar\u0131n g\u00fcncel ger\u00e7ek de\u011ferlerin rasyolara do\u011fru de\u011ferlerden hesaplanmas\u0131n\u0131 ve yans\u0131mas\u0131n\u0131 sa\u011flar,<\/li>\n          <li>6111 say\u0131l\u0131 kanun kapsam\u0131 \u00f6rne\u011finde oldu\u011fu \u00f6z\u00fcnde KOB\u0130 lehine olmas\u0131na ra\u011fmen bilan\u00e7o ve rasyolara matematiksel yans\u0131mas\u0131n\u0131n olumsuz etkilerinin do\u011fru yorumlanma ve de\u011ferlendirilme deste\u011fi sa\u011flar,<\/li>\n          <li>Bankalar\u0131n  uygun bulup tesis etti\u011fi kredilerin yine kendilerince kulland\u0131r\u0131m\u0131  sonras\u0131 izleyen ara d\u00f6nem bilan\u00e7o de\u011ferlendirmelerinde bu kerre ayn\u0131 KOB\u0130 firman\u0131n bor\u00e7lanmas\u0131 artm\u0131\u015f olarak de\u011ferlendirilmesi ve KOB\u0130 firma ratinglerin ve  kredi limitlerine olumsuz yans\u0131malar\u0131n  y\u00f6netilmesi deste\u011fi sa\u011flar,<\/li>\n          <li>KOB\u0130 firmalar\u0131n banka ve kredit\u00f6rler nezdinde finansal itibarlar\u0131n\u0131 maksimize ederek bilin\u00e7li y\u00f6netmelerine y\u00f6nelik bilan\u00e7o ve rasyo k\u00fclt\u00fcr\u00fc tan\u0131tmak, benimsetmek ve yerle\u015ftirmek,<\/li>\n          <li>G\u00fcn\u00fcm\u00fcz ekonomisinde \u00e7ok\u00e7a g\u00fcndeme gelen ortakl\u0131k ve sat\u0131n alma durumlar\u0131nda firma \u00f6zsermaye de\u011ferini ve defter de\u011ferini yukar\u0131 \u00e7ekecek \u00f6nemli parametrelerden finansal rasyolar\u0131 bilin\u00e7li y\u00f6netmeyi KOB\u0130 k\u00fclt\u00fcr\u00fc olarak sunmak.<\/li>\n        <\/ul>\n      <\/div>\n\n      <div class=\"bcd-tab-panel\" id=\"ulkeler\">\n        <h3>\u00dclkeler<\/h3>\n\n        <p>Firmalar\u0131n bilan\u00e7olar\u0131n ithalat ve ihracat kalemlerinde yer alan \u00fclkelerin bir k\u0131sm\u0131 global yapt\u0131r\u0131mlara s\u00f6z konusu \u00fclkeler olabilmektedir. \u00c7ok iyi performansa sahip KOB\u0130 nin cirosunun % 2-3\u2019\u00fcn\u00fc bile olu\u015fturmayan bir ithalat ya da ihracat \u00fclkesi firman\u0131n gerek bankalar ve gerekse muhtemel ihracat yapt\u0131\u011f\u0131 \u00fclkeler a\u00e7\u0131s\u0131ndan zaman i\u00e7erisinde kendi aleyhine yapt\u0131r\u0131m ve k\u0131s\u0131tlamalara neden olabilir.<\/p>\n\n        <p class=\"bcd-green\">BCD  bu \u00e7er\u00e7evede \u015fu hizmetleri sunmaktad\u0131r:<\/p>\n\n        <ul class=\"bcd-green-list\">\n          <li>Firmalar\u0131n yukarda bahsi edilen risklerden ka\u00e7\u0131nmas\u0131 ve etkin y\u00f6netmesine y\u00f6nelik \u00e7\u00f6z\u00fcm ve \u00f6neriler getirilmesi.<\/li>\n        <\/ul>\n      <\/div>\n\n    <\/div>\n  <\/div>\n<\/div>\n\n<style>\n  .bcd-bilanco-wrapper {\n    width: 100%;\n    font-family: Arial, Helvetica, sans-serif;\n    color: #666;\n  }\n\n  .bcd-main-title {\n    font-size: 17px;\n    font-weight: 600;\n    color: #5f5f5f;\n    margin: 0 0 22px;\n    line-height: 1.3;\n  }\n\n  .bcd-tabs-layout {\n    display: flex;\n    border: 1px solid #dddddd;\n    background: #fafafa;\n    min-height: 420px;\n  }\n\n  .bcd-tabs-menu {\n    width: 300px;\n    min-width: 300px;\n    border-right: 1px solid #dddddd;\n    background: #f6f6f6;\n  }\n\n  .bcd-tab-btn {\n    width: 100%;\n    display: flex;\n    align-items: center;\n    gap: 12px;\n    padding: 18px 16px;\n    border: none;\n    border-bottom: 1px solid #dddddd;\n    background: transparent;\n    color: #7b7b7b;\n    font-size: 16px;\n    text-align: left;\n    cursor: pointer;\n    transition: all 0.25s ease;\n  }\n\n  .bcd-tab-btn:hover {\n    background: #f0f0f0;\n  }\n\n  .bcd-tab-btn.active {\n    background: #eaf3f8;\n    color: #5d5d5d;\n    font-weight: 600;\n  }\n\n  .bcd-tab-icon {\n    width: 24px;\n    height: 24px;\n    color: #8b8b8b;\n    display: inline-flex;\n    align-items: center;\n    justify-content: center;\n    flex-shrink: 0;\n  }\n\n  .bcd-tab-icon svg {\n    width: 22px;\n    height: 22px;\n  }\n\n  .bcd-tabs-content {\n    flex: 1;\n    background: #fcfcfc;\n    padding: 22px 26px;\n  }\n\n  .bcd-tab-panel {\n    display: none;\n  }\n\n  .bcd-tab-panel.active {\n    display: block;\n  }\n\n  .bcd-tab-panel h3 {\n    margin: 0 0 18px;\n    font-size: 20px;\n    font-weight: 700;\n    color: #666666;\n    line-height: 1.3;\n  }\n\n  .bcd-tab-panel p {\n    margin: 0 0 16px;\n    font-size: 16px;\n    line-height: 1.8;\n    color: #6f6f6f;\n  }\n\n  .bcd-green {\n    color: #1ab35d !important;\n    font-weight: 600;\n    margin-top: 18px;\n  }\n\n  .bcd-green-list,\n  .bcd-dot-list {\n    margin: 8px 0 18px 18px;\n    padding: 0;\n  }\n\n  .bcd-green-list li,\n  .bcd-dot-list li {\n    font-size: 16px;\n    line-height: 1.9;\n    margin-bottom: 4px;\n  }\n\n  .bcd-green-list li {\n    color: #1ab35d;\n  }\n\n  .bcd-dot-list li {\n    color: #6f6f6f;\n  }\n\n  @media (max-width: 991px) {\n    .bcd-tabs-layout {\n      flex-direction: column;\n    }\n\n    .bcd-tabs-menu {\n      width: 100%;\n      min-width: 100%;\n      border-right: none;\n      border-bottom: 1px solid #dddddd;\n    }\n\n    .bcd-tab-btn {\n      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BCD bu \u00e7er\u00e7evede \u015fu hizmetleri sunmaktad\u0131r: Firmalar\u0131n aktiflerinin de\u011ferlilik tespitlerini analiz eder, Bu de\u011ferliliklerin rasyolara etkisini belirler, T\u00fcm rasyo ve finansal analizlere etkilerini ortaya koyar . Krediler Bankalar [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-2808","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bcdturkey.com.tr\/en\/wp-json\/wp\/v2\/pages\/2808","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bcdturkey.com.tr\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/bcdturkey.com.tr\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/bcdturkey.com.tr\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bcdturkey.com.tr\/en\/wp-json\/wp\/v2\/comments?post=2808"}],"version-history":[{"count":5,"href":"https:\/\/bcdturkey.com.tr\/en\/wp-json\/wp\/v2\/pages\/2808\/revisions"}],"predecessor-version":[{"id":2813,"href":"https:\/\/bcdturkey.com.tr\/en\/wp-json\/wp\/v2\/pages\/2808\/revisions\/2813"}],"wp:attachment":[{"href":"https:\/\/bcdturkey.com.tr\/en\/wp-json\/wp\/v2\/media?parent=2808"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}