{"id":1599,"date":"2015-07-09T01:25:34","date_gmt":"2015-07-08T22:25:34","guid":{"rendered":"http:\/\/www.bcdturkey.com.tr\/?p=1599"},"modified":"2015-07-09T01:25:34","modified_gmt":"2015-07-08T22:25:34","slug":"risk-yonetimi-bcd-birinci-yilini-tamamlarken","status":"publish","type":"post","link":"https:\/\/bcdturkey.com.tr\/en\/risk-yonetimi-bcd-birinci-yilini-tamamlarken\/","title":{"rendered":"Risk Y\u00f6netimi, BCD Birinci Y\u0131l\u0131n\u0131 Tamamlarken"},"content":{"rendered":"<blockquote><p>Tusiad\u2019 ta \u00dcniversiteli giri\u015fimcilere y\u00f6nelik \u201c bu gen\u00e7likte i\u015f var\u201d fikir ve giri\u015fim yar\u0131\u015fmas\u0131nda \u00fc\u00e7 y\u0131ll\u0131k j\u00fcri \u00fcyeli\u011fi sonras\u0131nda kendi giri\u015fimim <strong>BCD<\/strong>\u2019nin ilk y\u0131l\u0131 sonunda ilgin\u00e7 yeni g\u00f6zlem, tecr\u00fcbe ve kazan\u0131mlar\u0131m oldu. Bu ayki yaz\u0131mda hem bunlara yer vermek hemde piyasada ve m\u00fc\u015fterilerimde \u00e7ok\u00e7a ve s\u0131k\u00e7a kar\u015f\u0131la\u015ft\u0131\u011f\u0131m durumlar\u0131 <strong>Risk Y\u00f6netimi<\/strong> \u00e7er\u00e7evesinde ele almak istiyorum.<\/p><\/blockquote>\n<p>&nbsp;<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignright wp-image-248 size-medium\" src=\"http:\/\/www.bcdturkey.com.tr\/wp-content\/uploads\/BCD_toplanti-300x171.jpg\" alt=\"bcd\" width=\"300\" height=\"171\" \/>Giri\u015fimde bulunaca\u011f\u0131n\u0131z i\u015fle ilgili <em>kuvvetli bir altyap\u0131n\u0131z\u0131n<\/em> bulunmas\u0131 ve bu yolda kararl\u0131 olman\u0131n \u00f6nemi bir anlamda i\u015fin sermayesi oldu\u011funa olan inanc\u0131m kendi giri\u015fimimde de peki\u015fti. <em>\u00d6zg\u00fcven <\/em> ve <em>azim <\/em>bu sermayenin \u00f6nemli par\u00e7alar\u0131ndan biri gibi g\u00f6z\u00fck\u00fcyor.<em> Sab\u0131r<\/em>\u00a0 <em>ve zaman<\/em> ise san\u0131r\u0131m sermayenin di\u011fer olmazsa olmazlar\u0131 . <strong>BCD<\/strong> nin ilk y\u0131l\u0131nda net kara ge\u00e7mesi\u00a0\u00a0 ile birlikte devaml\u0131l\u0131k, s\u00fcrd\u00fcr\u00fclebilirlik ve b\u00fcy\u00fcme konular\u0131 kendili\u011finden <strong>BCD<\/strong> i\u00e7inde g\u00fcndemin de\u011fi\u015fmez maddeleri haline geldi.<\/p>\n<p><strong>Peki Piyasa ve KOB\u0130 lerde neler oluyor<\/strong> , i\u015fin i\u00e7ine bankac\u0131 kimli\u011finin d\u0131\u015f\u0131nda dan\u0131\u015fman s\u0131fat\u0131 ile girdi\u011fimde \u00f6ne \u00e7\u0131kan farkl\u0131l\u0131klar \u015fu \u015fekilde \u00f6zetlenebilir ;<\/p>\n<p>Banka ve finansman kurulu\u015flar\u0131n\u0131n <strong>KOB\u0130<\/strong> alg\u0131lar\u0131 ve bunlarla ilgili kararlar\u0131 b\u00fcy\u00fck \u00e7o\u011funlukla mali veriler \u00fczerinden ger\u00e7ekle\u015fiyor. <strong>KOB\u0130<\/strong> taraf\u0131nda <em>\u00f6n muhasebesi<\/em> olmayan ve ayl\u0131k mizan sonu\u00e7lar\u0131n\u0131 irdelemeyen <strong>KOB\u0130<\/strong> sahip ve y\u00f6neticileri neredeyse tamam\u0131 \u015firket evraklar\u0131n\u0131 eksik ve ge\u00e7 olarak muhasebeciye teslim ediyorlar, gecikmeli gelen mizan ve bilan\u00e7olar <strong>KOB\u0130<\/strong> ce kesinlikle irdelenmiyor ve do\u011frudan bankaya g\u00f6nderiliyor. Bunun sonucunda banka firma hakk\u0131nda yanl\u0131\u015f bilgi ve kanaatlere var\u0131yor, sonradan d\u00fczeltilmesi ise bankac\u0131larda ku\u015fku olu\u015fturup firma moralitesine olumsuz yans\u0131yor.<\/p>\n<p><strong>KOB\u0130<\/strong> sahip ve y\u00f6neticileri ise bu durumun kendilerine olabilecek maliyetlerinin fark\u0131nda bile de\u011filler. <em>Muhasebeciler<\/em> ise \u00e7o\u011funlukla mutsuz, ald\u0131klar\u0131 \u00fccretler komik bile say\u0131lamayacak d\u00fc\u015f\u00fck seviyelerde , \u00fccretlerinide zaten d\u00fczenli alam\u0131yorlar. Eksik ve yanl\u0131\u015f evraklar\u0131n i\u015flenmesi ve beyannamenin verilmesi ile i\u015flerini bir anlamda tamamlam\u0131\u015f oluyorlar. <em>Banka \u00e7al\u0131\u015fanlar\u0131na<\/em> bakt\u0131\u011f\u0131m\u0131zda ise \u201c good old days\u201d eski g\u00fczel g\u00fcnlerin \u00e7oktan geride kald\u0131\u011f\u0131 hedeflerin artt\u0131\u011f\u0131, bat\u0131klar\u0131n \u00e7o\u011fald\u0131\u011f\u0131 bunun getirdi\u011fi bask\u0131 ile tak\u0131m \u00e7al\u0131\u015fmas\u0131 ruhununda zarar g\u00f6rd\u00fc\u011f\u00fc \u00e7al\u0131\u015fma ortam\u0131nda firmalar\u0131n\u0131 ve dinamiklerini yeterince tan\u0131ma ve bilme konusunda iyimser bir ifade ile yeterince konsantre olam\u0131yorlar. \u00d6nemli bir k\u0131sm\u0131 ise bulunduklar\u0131 piyasadaki i\u015f kollar\u0131n\u0131n bilan\u00e7o d\u0131\u015f\u0131 ger\u00e7eklerinden bihaber durumdalar, muhtemelen konj\u00f6nkt\u00fcr nedeniyle gayretleride yok.<strong> KOB\u0130<\/strong> nin bu eksikli\u011fi kendilerini bankalara en iyi ve do\u011fru \u015fekilde ifade edecek bir g\u00fcndemi ve mesaiyi benimsemesi ile a\u015f\u0131labilir g\u00f6z\u00fck\u00fcyor.<\/p>\n<p><strong>KOB\u0130<\/strong> lerde g\u00f6rd\u00fc\u011f\u00fcm di\u011fer sorunlar ise g\u00fcnl\u00fck gereksinimlere g\u00fcnl\u00fck \u00e7\u00f6z\u00fcmler bularak ge\u00e7irilen bir \u00e7al\u0131\u015fma \u015feklinde \u00f6zetlenebilir. Ba\u015fka bir deyi\u015fle ya\u015fam <strong>KOB\u0130<\/strong> ye neyi dayat\u0131yorsa <strong>KOB\u0130<\/strong> onu ya\u015f\u0131yor. Nakit ak\u0131\u015f\u0131 \u2013 b\u00fct\u00e7eleme \u2013 120 &#8211; 320 hslar i\u00e7in risk y\u00f6netimi , banka se\u00e7imi , Kredi kompozisyonlar\u0131n\u0131n taksitli \u2013smk \u2013spot olarak se\u00e7imi genel anlamda y\u00f6netilmeyen konulara \u00f6rnek.<\/p>\n<p><strong>KOB\u0130<\/strong> lerde g\u00f6rd\u00fc\u011f\u00fcm ve \u00f6ne \u00e7\u0131kan en \u00f6nemli sorunlardan bir tanesi ise <em>\u201cortakl\u0131k\u201d<\/em> tan gelen sorunlar. Sermaye ve i\u015fg\u00fcc\u00fc ile i\u015f payla\u015f\u0131m\u0131 dengesizlikleri ortakl\u0131klar\u0131n sa\u011fl\u0131kl\u0131 y\u00fcr\u00fcmemesini ve sonunda ayr\u0131l\u0131k g\u00fcndeme geldi\u011finde aktif ve pasiflerin payla\u015f\u0131m\u0131nda \u00e7\u0131kan sorunlar sonu\u00e7ta k\u00fc\u00e7\u00fclen sermaye ve da\u011f\u0131lan i\u015f olarak kendini g\u00f6steriyor.<\/p>\n<p>Bir ba\u015fka \u00e7ok \u00f6nemli ve s\u0131k\u0131nt\u0131 bir konuda <strong>KOB\u0130<\/strong> lerde <em>grup kredi ili\u015fkileri<\/em>, san\u0131r\u0131m her firman\u0131n kendi dinamik ve y\u00f6netimini kendisinin yapmas\u0131 ile <strong>KOB\u0130<\/strong> nin \u00e7ok say\u0131da farkl\u0131 i\u015f koluna da\u011f\u0131lmamas\u0131da risk y\u00f6netiminin daha sa\u011fl\u0131kl\u0131 yap\u0131lmas\u0131n\u0131 sa\u011flayabilecektir.<\/p>\n<p>Bilinen piyasa risklerinin d\u0131\u015f\u0131nda organizasyon ve s\u00fcre\u00e7lerle ilgili\u00a0yukar\u0131da k\u0131saca \u00f6zetlenebilecek hususlar <strong>Risk Y\u00f6netiminin<\/strong> \u00f6nemini farkl\u0131 y\u00f6nleri ilede ortaya koyan ilk y\u0131l g\u00f6zlemlerim olarak ifade edilebilir.<\/p>\n<p><strong>BCD<\/strong> ilk y\u0131l\u0131nda yukar\u0131da belirtilen i\u00e7erikler do\u011frultusunda \u00a0\u00fcretti\u011fi \u00e7\u00f6z\u00fcmler ile faaliyetlerini s\u00fcrd\u00fcrmektedir.<\/p>","protected":false},"excerpt":{"rendered":"<p>Tusiad\u2019 ta \u00dcniversiteli giri\u015fimcilere y\u00f6nelik \u201c bu gen\u00e7likte i\u015f var\u201d fikir ve giri\u015fim yar\u0131\u015fmas\u0131nda \u00fc\u00e7 y\u0131ll\u0131k j\u00fcri \u00fcyeli\u011fi sonras\u0131nda kendi giri\u015fimim BCD\u2019nin ilk y\u0131l\u0131 sonunda ilgin\u00e7 yeni g\u00f6zlem, tecr\u00fcbe ve kazan\u0131mlar\u0131m oldu. Bu ayki yaz\u0131mda hem bunlara yer vermek hemde piyasada ve m\u00fc\u015fterilerimde \u00e7ok\u00e7a ve s\u0131k\u00e7a kar\u015f\u0131la\u015ft\u0131\u011f\u0131m durumlar\u0131 Risk Y\u00f6netimi \u00e7er\u00e7evesinde ele almak istiyorum. &nbsp; [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":248,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[34],"tags":[],"class_list":["post-1599","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-yorum"],"acf":[],"_links":{"self":[{"href":"https:\/\/bcdturkey.com.tr\/en\/wp-json\/wp\/v2\/posts\/1599","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bcdturkey.com.tr\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bcdturkey.com.tr\/en\/wp-json\/wp\/v2\/types\/post"}],"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=1599"}],"version-history":[{"count":0,"href":"https:\/\/bcdturkey.com.tr\/en\/wp-json\/wp\/v2\/posts\/1599\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bcdturkey.com.tr\/en\/wp-json\/wp\/v2\/media\/248"}],"wp:attachment":[{"href":"https:\/\/bcdturkey.com.tr\/en\/wp-json\/wp\/v2\/media?parent=1599"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bcdturkey.com.tr\/en\/wp-json\/wp\/v2\/categories?post=1599"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bcdturkey.com.tr\/en\/wp-json\/wp\/v2\/tags?post=1599"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}