{"id":39696,"date":"2026-05-24T09:57:51","date_gmt":"2026-05-24T06:57:51","guid":{"rendered":"https:\/\/haberkuzey.com\/index.php\/2026\/05\/24\/kredi-garanti-fonu-hakkinda-karavelioglu-bankalar-daha-kolay-kredi-verebilecek\/"},"modified":"2026-05-24T09:58:05","modified_gmt":"2026-05-24T06:58:05","slug":"kredi-garanti-fonu-hakkinda-karavelioglu-bankalar-daha-kolay-kredi-verebilecek","status":"publish","type":"post","link":"https:\/\/haberkuzey.com\/index.php\/2026\/05\/24\/kredi-garanti-fonu-hakkinda-karavelioglu-bankalar-daha-kolay-kredi-verebilecek\/","title":{"rendered":"Kredi Garanti Fonu hakk\u0131nda Karavelio\u011flu: Bankalar daha kolay kredi verebilecek"},"content":{"rendered":"<p><strong><u>Ekonomist Karavelio\u011flu, Kredi Garanti Fonu\u2019nda yap\u0131lan yeni d\u00fczenlemeyle i\u015fletmeler ve giri\u015fimcilere finansa eri\u015fimde b\u00fcy\u00fck kolayl\u0131k sa\u011flanaca\u011f\u0131n\u0131 s\u00f6yledi<\/u><\/strong><\/p>\n<p>&nbsp;<\/p>\n<p><strong>\u201cDevlet garantisi devreye girecek\u201d\u2026<\/strong>Ahmet Melih Karavelio\u011flu, Kredi Garanti Fonu\u2019nun temel amac\u0131n\u0131n, teminat yetersizli\u011fi ya\u015fayan i\u015fletmelere devlet garantisi sa\u011flamak oldu\u011funu ifade ederek, \u201cBir giri\u015fimcinin fikri olabilir ama bankaya yeterli teminat sunamayabilir. \u0130\u015fte burada fon devreye giriyor ve bankaya garanti veriyor.\u201ddedi.<\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong><u>Elif \u015eEN \u00c7ATAL<\/u><\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>Cumhuriyet Meclisi Ekonomi, Maliye, B\u00fct\u00e7e ve Plan Komitesi, Kredi Garanti Fonu ve Kredi Faiz Destek Fonu\u2019na ili\u015fkin d\u00fczenlemeleri 14 May\u0131s 2026\u2019da oy \u00e7oklu\u011fuyla onaylayarak Genel Kurul\u2019a sevk etti.<\/p>\n<p>Kredi Garanti Fonu sisteminde yap\u0131lan yeni d\u00fczenleme, \u00f6zellikle teminat sorunu ya\u015fayan i\u015fletmeler ve giri\u015fimciler i\u00e7in finansmana eri\u015fimi kolayla\u015ft\u0131rmay\u0131 hedefliyor. Yeni modelle birlikte b\u00fcrokrasi azal\u0131rken, bankalar\u0131n kredi verme i\u015ftah\u0131n\u0131n artmas\u0131 bekleniyor.<\/p>\n<p>Ekonomist Ahmet Melih Karavelio\u011flu, K\u0131br\u0131s TV ekranlar\u0131nda Elif \u015een \u00c7atal\u2019\u0131n program\u0131nda Kredi Garanti Fonu ve Kredi Faiz Destek Fonu\u2019na ili\u015fkin d\u00fczenlemeleri de\u011ferlendirdi.<\/p>\n<p>Karavelio\u011flu, at\u0131lan ad\u0131m\u0131n \u00f6zel sekt\u00f6r ve giri\u015fimciler i\u00e7in ge\u00e7erli oldu\u011funu ifade ederek bu ad\u0131mla birlikte a\u011f\u0131r b\u00fcrokrasi nedeniyle yeterli \u00e7al\u0131\u015fmayan sistemin daha etkin hale getirilebilece\u011fine i\u015faret etti. Karavelio\u011flu, Genel Kurul\u2019a sevk edilen d\u00fczenlemenin \u00f6nemli oldu\u011funu s\u00f6yledi.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>\u201cEski yap\u0131 etkin \u00e7al\u0131\u015fm\u0131yordu\u201d<\/strong><\/p>\n<p>Ahmet Melih Karavelio\u011flu, Kredi Garanti Fonu\u2019nda (KGF) yap\u0131lan de\u011fi\u015fiklikleri de\u011ferlendirdi. Yeni sistemin \u00f6zellikle \u00f6zel sekt\u00f6r ve giri\u015fimciler a\u00e7\u0131s\u0131ndan \u00f6nemli bir ad\u0131m oldu\u011funu belirten Karavelio\u011flu, eski yap\u0131n\u0131n a\u011f\u0131r b\u00fcrokrasi nedeniyle yeterince etkin \u00e7al\u0131\u015fmad\u0131\u011f\u0131n\u0131 s\u00f6yledi.<\/p>\n<p>Ahmet Melih Karavelio\u011flu, KGF\u2019nin temel amac\u0131n\u0131n teminat yetersizli\u011fi ya\u015fayan i\u015fletmelere devlet garantisi sa\u011flamak oldu\u011funu ifade ederek \u201cBir giri\u015fimcinin fikri olabilir ama bankaya yeterli teminat sunamayabilir. \u0130\u015fte burada Kredi Garanti Fonu devreye giriyor ve bankaya garanti veriyor.\u201d ifadelerini kulland\u0131.<\/p>\n<p>Eski sistemde hem bankalar\u0131n hem de Merkez Bankas\u0131 b\u00fcnyesindeki KGF biriminin ayr\u0131 ayr\u0131 kredi de\u011ferlendirmesi yapt\u0131\u011f\u0131n\u0131 anlatanKaravelio\u011flu, bunun s\u00fcreci uzatt\u0131\u011f\u0131n\u0131 s\u00f6yledi.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>\u201c\u00c7ift a\u015famal\u0131 uygulama ortadan kalkacak\u201d<\/strong><\/p>\n<p>\u201c\u00d6nce banka krediyi \u00e7\u0131kar\u0131yordu, sonra dosya Merkez Bankas\u0131\u2019na gidiyordu. Orada tekrar inceleme yap\u0131l\u0131yordu. Yani ayn\u0131 kredi iki kez de\u011ferlendiriliyordu. Bu da ciddi zaman kayb\u0131 yarat\u0131yordu.\u201d Diyen Ahmet Melih Karavelio\u011flu, Yeni d\u00fczenlemeyle birlikte bu \u00e7ift a\u015famal\u0131 yap\u0131n\u0131n kald\u0131r\u0131ld\u0131\u011f\u0131n\u0131, art\u0131k Merkez Bankas\u0131\u2019n\u0131n bankalara do\u011frudan limit tahsis edece\u011fini s\u00f6yledi.<\/p>\n<p>Sistemin Merkez Bankas\u0131\u2019n\u0131n bir limit vermesiyle \u00e7al\u0131\u015faca\u011f\u0131n\u0131 anlatan Karavelio\u011flu, bankalar\u0131n ise kendi incelemelerini yapmalar\u0131n\u0131n ard\u0131ndan KGF kapsam\u0131nda kredi kulland\u0131rabilece\u011fini dile getirdi. Karevelio\u011flu, b\u00f6ylelikle i\u015fletmelerin kredi almas\u0131n\u0131n daha h\u0131zl\u0131 ger\u00e7ekle\u015febilece\u011fini de s\u00f6zlerine ekledi.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>\u201cKGF, riskin bir b\u00f6l\u00fcm\u00fcn\u00fc \u00fcstlenecek\u201d<\/strong><\/p>\n<p>KGF\u2019nin kredi riskinin belirli b\u00f6l\u00fcm\u00fcn\u00fc \u00fcstlendi\u011fini ifade edenKaravelio\u011flu, bu sistemin bankalar a\u00e7\u0131s\u0131ndan \u00f6nemli bir g\u00fcvence olu\u015fturdu\u011funu s\u00f6yledi.<\/p>\n<p>Ahmet Melih Karavelio\u011flu, sistemin i\u015fleyi\u015fiyle ilgili \u201cBaz\u0131 kredilerde riskin y\u00fczde 60 ila y\u00fczde 80\u2019ini KGF garanti ediyor. Diyelim ki kredi batt\u0131, banka gidip bu k\u0131sm\u0131 fondan tahsil edebiliyor.\u201d Diyerek bu yap\u0131n\u0131n bankalar\u0131n kredi verme i\u015ftah\u0131n\u0131 da art\u0131raca\u011f\u0131na vurgu yapt\u0131. Karavelio\u011flu \u00f6te yandan, \u00f6zellikle teminat s\u0131k\u0131nt\u0131s\u0131 ya\u015fayan k\u00fc\u00e7\u00fck i\u015fletmelerin ve giri\u015fimcilerin finansmana eri\u015fiminin kolayla\u015faca\u011f\u0131n\u0131 ifade etti.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>\u00d6zel sekt\u00f6r\u00fcn g\u00fc\u00e7lendirilmesi laz\u0131m<\/strong><\/p>\n<p>\u00d6zel sekt\u00f6r\u00fcn g\u00fc\u00e7lendirilmesi gerekti\u011fini belirten Ahmet Melih Karavelio\u011flu, KGF gibi mekanizmalar\u0131n do\u011fru kullan\u0131lmas\u0131 halinde ekonomide \u00fcretim ve istihdam\u0131 art\u0131rabilece\u011fini s\u00f6yledi.<\/p>\n<p>Karavelio\u011flu, kamunun y\u00fck\u00fcn\u00fc azaltman\u0131n yolunun \u00f6zel sekt\u00f6r\u00fcn b\u00fcy\u00fcmesinden ge\u00e7ti\u011fini savundu. KGF\u2019nin yenin d\u00fczenlemesinin de bu anlamda \u00f6nemli bir ara\u00e7 olabilece\u011fini dile getiren Karavelio\u011flu, uygulaman\u0131n tam olarak devreye girmesiyle sekt\u00f6rlerin fayda sa\u011flayabilece\u011fini kaydetti.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ekonomist Karavelio\u011flu, Kredi Garanti Fonu\u2019nda yap\u0131lan yeni d\u00fczenlemeyle i\u015fletmeler ve giri\u015fimcilere finansa eri\u015fimde b\u00fcy\u00fck kolayl\u0131k sa\u011flanaca\u011f\u0131n\u0131 s\u00f6yledi &nbsp; \u201cDevlet garantisi devreye girecek\u201d\u2026Ahmet Melih Karavelio\u011flu, Kredi Garanti Fonu\u2019nun temel amac\u0131n\u0131n, teminat yetersizli\u011fi ya\u015fayan i\u015fletmelere devlet garantisi sa\u011flamak oldu\u011funu ifade ederek, \u201cBir giri\u015fimcinin fikri olabilir ama bankaya yeterli teminat sunamayabilir. \u0130\u015fte burada fon devreye giriyor ve bankaya [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":39697,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":[],"jnews_primary_category":[],"footnotes":""},"categories":[1],"tags":[],"class_list":["post-39696","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kibris"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - 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