H\u00fck\u00fcmet 01.08.2016 tarihinde Meclise \u201cBireysel Emeklilik Tasarruf ve Yat\u0131r\u0131m Sistemi Kanununda De\u011fi\u015fiklik Yap\u0131lmas\u0131na Dair Kanun Tasar\u0131s\u0131n\u0131\u201d sundu.<\/p>\n
Tasar\u0131 diyor ki;<\/p>\n
I. \u00d6ZAL D\u00d6NEM\u0130NDE DE \u00c7ALI\u015eANLARIN GEL\u0130RLER\u0130NE KONUT VAAD\u0130 \u0130LE EL KONULMU\u015eTU<\/p>\n
\u0130lgin\u00e7tir \u00e7al\u0131\u015fanlar\u0131n istemeseler de gelirlerinin bir k\u0131sm\u0131na yasa yoluyla konut ucuz konut vadi ile, birikmi\u015f para verece\u011fiz vaadi ile el konulmas\u0131 \u00f6rne\u011fini 12 Eyl\u00fcl darbesi sonras\u0131n\u0131n \u00d6zal h\u00fck\u00fcmetiyle ya\u015fam\u0131\u015ft\u0131k. An\u0131msayal\u0131m:<\/p>\n
11 Aral\u0131k 1986 tarihli ve 3320 say\u0131l\u0131 \u201cMemurlar ve \u0130\u015f\u00e7iler ile Bunlar\u0131n Emeklilerine Konut Edindirme Yard\u0131m\u0131 Yap\u0131lmas\u0131 Hakk\u0131nda Kanun\u201d yay\u0131mland\u0131. Kanun \u00d6zal taraf\u0131ndan, \u00e7al\u0131\u015fanlar\u0131 ev sahibi yapaca\u011f\u0131z vaadiyle sunuldu. \u00c7al\u0131\u015fanlar\u0131n paras\u0131na el konulmas\u0131na kar\u015f\u0131n el koyman\u0131n ad\u0131 Konut Edindirme yard\u0131m\u0131 (KEY) olarak belirlendi. Hem \u00e7al\u0131\u015fanlar\u0131n paras\u0131na el konulmas\u0131n\u0131n ad\u0131 yard\u0131m olarak sunuldu.<\/p>\n
K\u0131saca Konut Edindirme Yard\u0131m\u0131 (KEY) olarak adland\u0131r\u0131lan kesintiler 1995 y\u0131l\u0131na kadar 9 y\u0131l s\u00fcrd\u00fc. 9 y\u0131l sonra fonda biriken paralar eritildi. \u00c7al\u0131\u015fanlar a\u00e7\u0131s\u0131ndan beklendi\u011fi gibi sonu\u00e7 tam bir hi\u00e7 olmu\u015ftur.<\/p>\n
\u00c7al\u0131\u015fanlar\u0131n gelirlerine zorla el koyman\u0131n bir di\u011fer \u00f6rne\u011fini \u00fczerinden sermayeye kaynak aktarman\u0131n bir di\u011fer \u00f6rne\u011fini 9.3.1988 tarihli ve 3417 say\u0131l\u0131 \u201c\u00c7al\u0131\u015fanlar\u0131n Tasarrufa Te\u015fvik Edilmesi ve Bu Tasarruflar\u0131n De\u011ferlendirilmesine\u201d ili\u015fkin kanunla ya\u015fad\u0131k. Bu kanunla da \u00e7al\u0131\u015fanlar\u0131n ayl\u0131k \u00fccretlerinden y\u00fczde 2 kesinti yap\u0131lm\u0131\u015f bu kesintiler y\u00fczde 3 oran\u0131nda da devletin katk\u0131 yapaca\u011f\u0131 belirtilmi\u015ftir. \u00c7al\u0131\u015fanlardan yap\u0131lan bu kesintiler \u00f6zellikle belediyeler ba\u015fta olmak \u00fczere i\u015fverenler taraf\u0131ndan yat\u0131r\u0131lmam\u0131\u015f, geri \u00f6deme a\u015famas\u0131nda binlerce davalar a\u00e7\u0131lm\u0131\u015f, kesintiler ku\u015fa \u00e7evrilerek k\u0131smen denetimsiz hesaps\u0131z bir \u015fekilde geri \u00f6denmi\u015ftir.<\/p>\n
II. TASARRUF YAPMA G\u00dcC\u00dcM\u00dcZ YOK \u00c7\u00dcNK\u00dc GE\u00c7\u0130NEB\u0130LECEK GEL\u0130R\u0130M\u0130Z YOK. BOR\u00c7LA AYAKTA KALMAYA \u00c7ALI\u015eIYORUZ<\/p>\n
\u015eimdi de h\u00fck\u00fcmet \u201cBireysel Emeklilik Tasarruf ve Yat\u0131r\u0131m Sistemi Kanununda De\u011fi\u015fiklik Yap\u0131lmas\u0131na Dair Kanun Tasar\u0131s\u0131\u201d ile vatanda\u015fa diyor ki; \u201cNe olacak biraz daha di\u015fini s\u0131k ayl\u0131k \u00fccretinin y\u00fczde 3\u2019\u00fcn\u00fc BES i\u00e7in ay\u0131r, bireysel emeklilik \u015firketleri arac\u0131l\u0131\u011f\u0131 ile senin \u00fczerinden tasarruf yap\u0131p piyasan\u0131n gereksinim duydu\u011fu s\u0131cak paray\u0131 elde edeyim. Kar\u015f\u0131l\u0131\u011f\u0131nda ise sen emekli oldu\u011funda refah d\u00fczeyin \u00e7al\u0131\u015ft\u0131\u011f\u0131n d\u00f6nemden a\u015fa\u011f\u0131 olmas\u0131n.\u201d<\/p>\n
Tasar\u0131 iki temel gerek\u00e7eye dayan\u0131yor: tasarruf d\u00fczeyinin d\u00fc\u015f\u00fckl\u00fc\u011f\u00fcn\u00fc ortadan kald\u0131rmak ve emeklilik d\u00f6neminde \u00e7al\u0131\u015f\u0131rken s\u00fcrd\u00fcr\u00fclen refah d\u00fczeyinin gerisine d\u00fc\u015f\u00fclmesini engellemek.<\/p>\n
\u00d6nce neden tasarruf d\u00fczeyimiz d\u00fc\u015f\u00fck, gelirimiz ne nerelere harc\u0131yoruz bir bakal\u0131m:<\/p>\n
2016 y\u0131l\u0131 May\u0131s ay\u0131 itibar\u0131 ile T\u00fcrkiye Bankalar Birli\u011fi (TBB) Risk Merkezi verilerine g\u00f6re;<\/p>\n
Banka ve banka d\u0131\u015f\u0131 kredi kurulu\u015flar\u0131na bireysel krediler yoluyla 424 Milyar TL bor\u00e7lanm\u0131\u015f\u0131z.<\/p>\n
Bu borcun y\u00fczde 38\u2019ini ihtiya\u00e7 kredisi olarak (161 Milyar TL), y\u00fczde 37\u2019sini konut kredisi olarak (157 Milyar TL), y\u00fczde 19\u2019nu kredi kartlar\u0131yla (80 Milyar TL), y\u00fczde 7\u2019sini ta\u015f\u0131t kredileri arac\u0131l\u0131\u011f\u0131 (29,7 Milyar TL) ile bor\u00e7lanm\u0131\u015f\u0131z.<\/p>\n
T\u00dc\u0130K Adrese Dayal\u0131 N\u00fcfus Kay\u0131t Sistemi Sonu\u00e7lar\u0131n\u0131 2015 y\u0131l\u0131 sonu i\u00e7in a\u00e7\u0131klad\u0131. Buna g\u00f6re \u00e7al\u0131\u015fma \u00e7a\u011f\u0131nda kabul edilen 15-64 ya\u015f grubundaki ki\u015fi say\u0131s\u0131 53 milyon 359 bin 594 ki\u015fi.<\/p>\n
Bu 53 milyon ki\u015finin 26,3 milyon ki\u015fisi bireysel kredi bor\u00e7lusu, 2,3 milyon ki\u015finin konut kredi borcu var, 22,1 milyon ki\u015fi kredi kart\u0131 kullan\u0131yor, 18,4 milyon ki\u015fi ihtiya\u00e7 ve di\u011fer kredi bor\u00e7lusu, 0,8 milyon ki\u015fi ta\u015f\u0131t kredisi bor\u00e7lusu.<\/p>\n
(TBB) Risk Merkezi May\u0131s ay\u0131 verilerine g\u00f6re 2 milyon 815 bin 743 ki\u015fi bireysel kredi ve bireysel kredi kart\u0131 bor\u00e7lar\u0131n\u0131 \u00f6deyemiyor. 2 milyon 815 bin 743 ki\u015fi hakk\u0131nda yasal takip ba\u015flat\u0131lm\u0131\u015f. Yani 2 milyon 815 bin 743 ki\u015fi bireysel kredi ve bireysel kredi kart\u0131 borcunu \u00f6deyemedi\u011fi i\u00e7in icral\u0131k.<\/p>\n
\u00c7al\u0131\u015fma \u00e7a\u011f\u0131ndaki n\u00fcfusunun yar\u0131s\u0131 bor\u00e7la ge\u00e7inen bir \u00fclkede tasarruf d\u00fczeyinin d\u00fc\u015f\u00fck olmas\u0131ndan yak\u0131nmak en hafif de\u011fimle ac\u0131mas\u0131zl\u0131kt\u0131r. \u00c7al\u0131\u015fma \u00e7a\u011f\u0131ndaki n\u00fcfusunun yar\u0131s\u0131 bor\u00e7la ge\u00e7inen bir \u00fclkede insanlar\u0131n gelecek kayg\u0131s\u0131n\u0131 istismar ederek, emekli olduklar\u0131nda ya\u015fam refah d\u00fczeylerinin d\u00fc\u015fmesiyle tehdit ederek \u00fccretlerinin y\u00fczde 3\u2019\u00fcne el konulmas\u0131 ise zorbal\u0131kt\u0131r.<\/p>\n
\u201cBireysel Emeklilik Tasarruf ve Yat\u0131r\u0131m Sistemi Kanununda De\u011fi\u015fiklik Yap\u0131lmas\u0131na Dair Kanun Tasar\u0131s\u0131\u201d \u00e7al\u0131\u015fanlar\u0131n ayl\u0131k kazan\u00e7lar\u0131n\u0131n y\u00fczde 3\u2019\u00fcne el koymas\u0131n\u0131 emeklilik d\u00f6nemlerinde refah d\u00fczeylerinin d\u00fc\u015fmeyece\u011fi vaadine dayand\u0131rm\u0131\u015ft\u0131r.<\/p>\n
Peki ama neden bizim sosyal g\u00fcvenlik sistemimiz emeklisine neden insana yak\u0131\u015f\u0131r bir ayl\u0131k verememektedir? Bu sorular\u0131n yan\u0131tlar\u0131n\u0131 sistemi \u00f6zetleyerek tart\u0131\u015fmaya \u00e7al\u0131\u015fal\u0131m:<\/p>\n
III. EMEKL\u0130L\u0130K NED\u0130R?<\/p>\n
Emeklilik olarak adland\u0131rd\u0131\u011f\u0131m\u0131z stat\u00fc sosyal g\u00fcvenlik hukukunda ya\u015fl\u0131l\u0131k sigortas\u0131 ba\u015fl\u0131\u011f\u0131 alt\u0131nda d\u00fczenlenmi\u015ftir. Asl\u0131nda \u201cemekli oldum\u201d derken biz sosyal g\u00fcvenlik hukukuna g\u00f6re ya\u015fl\u0131l\u0131k ayl\u0131\u011f\u0131 almaya hak kazand\u0131\u011f\u0131m\u0131z\u0131 dile getirmi\u015f oluruz.<\/p>\n
Ya\u015flanmak ka\u00e7\u0131n\u0131lmazd\u0131r. \u0130nsanlar do\u011far b\u00fcy\u00fcr ya\u015flan\u0131r ve \u00f6l\u00fcr. Ya\u015fl\u0131l\u0131k fizikken \u00e7al\u0131\u015fma yetenek ve becerilerini kullanamaz hale getirdi\u011fi, ka\u00e7\u0131n\u0131lmaz bir s\u00fcre\u00e7 oldu\u011fu, \u00e7al\u0131\u015famayan insan\u0131n gelir elde etmesinin de olanakl\u0131 olmamas\u0131 nedeniyle sosyal bir risk olarak kabul edilmi\u015ftir.<\/p>\n
Anayasaya g\u00f6re temel vazge\u00e7ilmez devredilmez sosyal bir hak olan sosyal g\u00fcvenlik hakk\u0131 kapsam\u0131nda, hi\u00e7 kimse ya\u015fl\u0131l\u0131k sigortas\u0131ndan vazge\u00e7tim diyemez. Hi\u00e7 kimseyle ya\u015fl\u0131l\u0131k sigortas\u0131n\u0131n kapsam\u0131nda kalacak \u015fekilde anla\u015fma yap\u0131lamaz. Yap\u0131lan anla\u015fmalarda ge\u00e7ersizdir. K\u0131saca sigortal\u0131l\u0131k zorunludur. Sigortal\u0131l\u0131\u011f\u0131 do\u011furan olay ger\u00e7ekle\u015fti\u011fi anda herkes istese de istemese de sigortal\u0131 kapsam\u0131na girer.<\/p>\n
Ka\u00e7\u0131n\u0131lmaz olan ya\u015fl\u0131l\u0131k ger\u00e7ekle\u015fti\u011finde, ya\u015fl\u0131n\u0131n hi\u00e7 kimseye muhta\u00e7 olmadan temel gereksinimlerini kar\u015f\u0131layarak ya\u015fam\u0131n\u0131 s\u00fcrd\u00fcrmesi i\u00e7in bir gelire sahip olmas\u0131 zorunludur.<\/p>\n
Ya\u015fl\u0131n\u0131n gelir sahibi olmas\u0131, toplumda onun bir y\u00fck olarak g\u00f6r\u00fclmesinin \u00f6n\u00fcne ge\u00e7ecek, ya\u015fl\u0131lar ki\u015filiklerinden, de\u011ferlerinden \u00f6d\u00fcn vermek zorunda kalmadan, kendilerini bir k\u00f6\u015feye at\u0131lm\u0131\u015f \u00e7aresiz ve zavall\u0131 bir ba\u015fkas\u0131n\u0131n bak\u0131m\u0131na muhta\u00e7 ki\u015filer olarak g\u00f6rmeden ya\u015famalar\u0131n\u0131 sa\u011flamak, sosyal g\u00fcvenli\u011fin bir kolu olan ya\u015fl\u0131l\u0131k sigortas\u0131n\u0131n amac\u0131n\u0131 olu\u015fturur.<\/p>\n
IV. \u00d6DENEN EMEKL\u0130 AYLI\u011eI GER\u00c7EKTE K\u0130M\u0130N PARASIDIR?<\/p>\n
Sosyal g\u00fcvenlik hukukunda emekli maa\u015f\u0131n\u0131n\/ayl\u0131\u011f\u0131n\u0131n ad\u0131, ya\u015fl\u0131l\u0131k ayl\u0131\u011f\u0131d\u0131r. T\u00fcrk sosyal g\u00fcvenlik sistemi primli sistemdir. Primli sistemde verilen her hizmetin kar\u015f\u0131l\u0131\u011f\u0131nda \u00f6nceden prim yat\u0131r\u0131lm\u0131\u015f olmas\u0131 zorunludur. Primli sosyal g\u00fcvenlik sistemlerinde kar\u015f\u0131l\u0131\u011f\u0131nda prim al\u0131nmam\u0131\u015f bir hizmet kural olarak verilmez.<\/p>\n
Ya\u015fl\u0131l\u0131k ay\u0131l\u0131\u011f\u0131 i\u00e7in de \u00e7al\u0131\u015f\u0131rken ya\u015fl\u0131l\u0131k sigortas\u0131 primi kesilir. Prim ayl\u0131k kazanca g\u00f6re belirlenir. Prime esas ayl\u0131k kazanc\u0131n y\u00fczde 20\u2019si (y\u00fczde 9 sigortal\u0131 y\u00fczde 11 i\u015fveren pay\u0131) \u201cMalull\u00fck, Ya\u015fl\u0131l\u0131k ve \u00d6l\u00fcm Sigortalar\u0131 Primi\u201d her ay Sosyal G\u00fcvenlik Kurumuna i\u015fveren taraf\u0131ndan yat\u0131r\u0131lmak zorundad\u0131r.<\/p>\n
Ya\u015fl\u0131l\u0131k ayl\u0131\u011f\u0131n\u0131 hak kazanmak i\u00e7in gerekli prim g\u00fcn say\u0131s\u0131n\u0131 ve ya\u015f ko\u015fulunu ger\u00e7ekle\u015ftirenler ya\u015fl\u0131l\u0131k\/emekli ayl\u0131\u011f\u0131 almaya hak kazand\u0131klar\u0131nda ald\u0131klar\u0131 ayl\u0131k yat\u0131rm\u0131\u015f olduklar\u0131 primlerin kar\u015f\u0131l\u0131\u011f\u0131 kendilerine \u00f6denen tutard\u0131r.<\/p>\n
Zorunlu sigortal\u0131k d\u00f6nemi, ya\u015fl\u0131l\u0131k ayl\u0131\u011f\u0131 almaya ba\u015flamakla sona erer. Emekliler 5510 say\u0131l\u0131 yasa a\u00e7\u0131s\u0131ndan sigortal\u0131 de\u011fildir. Sigortal\u0131 k\u0131sa ve\/veya uzun erimli sigorta kollar\u0131ndan ad\u0131na prim yat\u0131r\u0131lan veya kendi ad\u0131na prim yat\u0131ran ki\u015fidir. Ya\u015fl\u0131l\u0131k ayl\u0131\u011f\u0131 alanlar art\u0131k adlar\u0131na prim yat\u0131r\u0131lmad\u0131\u011f\u0131 i\u00e7in sigortal\u0131 de\u011fillerdir. Ancak sigortal\u0131 olmasalar da sigortal\u0131yken yat\u0131rd\u0131klar\u0131 primler nedeniyle sosyal g\u00fcvenlik haklar\u0131ndan yararlanmaya devam ederler. Bu nedenle uygulamada \u00e7al\u0131\u015f\u0131rken ge\u00e7en sigortal\u0131k d\u00f6nemi, \u201caktif sigortal\u0131l\u0131k\u201d, ya\u015fl\u0131l\u0131k ayl\u0131\u011f\u0131 al\u0131rken ge\u00e7en sigortal\u0131k d\u00f6nemi ise \u201cpasif sigortal\u0131l\u0131k\u201d olarak adland\u0131r\u0131l\u0131r.<\/p>\n
Her aktif sigortal\u0131 yat\u0131rd\u0131\u011f\u0131 primlerle pasif sigortal\u0131y\u0131 finanse etmektedir. Her pasif sigortal\u0131da ge\u00e7mi\u015fte ayn\u0131 \u015feyi yapm\u0131\u015ft\u0131r. Aktif sigortal\u0131 pasif sigortal\u0131 dengesinin bozulmamas\u0131 i\u00e7in, ya\u015fl\u0131l\u0131k ayl\u0131\u011f\u0131 primlerinde ka\u00e7ak olmamas\u0131 zorunludur.<\/p>\n
Bir \u00f6nceki ku\u015fak prim \u00f6deyip g\u00f6revini tamamlad\u0131ktan sonra, sonraki ku\u015fak prim yat\u0131rmaz, eksik yat\u0131r\u0131 ise, \u00f6nceki ku\u015fa\u011fa \u00f6denecek ya\u015fl\u0131l\u0131k ayl\u0131\u011f\u0131 ister istemez d\u00fc\u015fecektir.<\/p>\n
V. EMEKL\u0130LER\u0130N AYLIKLARI NEDEN ARTMIYOR SGK NEDEN DARDA?<\/p>\n
1. Ya\u015fl\u0131l\u0131k (Emeklilik Ayl\u0131\u011f\u0131) Primlerle Finanse Edilmektedir. 2011 Y\u0131l\u0131 \u0130tibar\u0131 \u0130le 10 Milyon 400 Bin Ki\u015fi Kay\u0131t D\u0131\u015f\u0131nda \u00c7al\u0131\u015fmaktad\u0131r.<\/p>\n
2011 y\u0131l\u0131nda, a\u00e7\u0131klamay\u0131 yapt\u0131\u011f\u0131 tarihte SGK ba\u015fkan yard\u0131mc\u0131l\u0131\u011f\u0131 yapan, yani SGK i\u00e7inden her t\u00fcrl\u00fc veriye sahip bir yetkilinin vermi\u015f oldu\u011fu rakamlara g\u00f6re kay\u0131t d\u0131\u015f\u0131nda hi\u00e7 prim almadan \u00e7al\u0131\u015fan say\u0131s\u0131 10 Milyon 400 bin ki\u015fidir. Sadece bu ki\u015filerin kay\u0131t alt\u0131na al\u0131nmas\u0131yla SGK\u2019nin kasas\u0131na girecek para yakla\u015f\u0131k 24 milyard\u0131r. Bu tutar\u0131n tahsil edilmesi SGK a\u00e7\u0131klar\u0131n\u0131n ortadan kalkmas\u0131 anlam\u0131na gelmektedir.*<\/p>\n
2. SGK Kay\u0131tlar\u0131nda Asgari \u00dccretli Olarak G\u00f6sterilen 5 Milyon Ki\u015finin 2,5 Milyonu Asgari \u00dccret Almakta 2,5 Milyon Ki\u015finin \u00dccreti D\u00fc\u015f\u00fck G\u00f6sterilmektedir.<\/p>\n
SGK verileri ile T\u00dc\u0130K Hanehalk\u0131 \u0130\u015fg\u00fcc\u00fc Anketleri (H\u0130A) verilerini kar\u015f\u0131la\u015ft\u0131rarak yap\u0131lan bir ara\u015ft\u0131rma kay\u0131tl\u0131 g\u00f6z\u00fcken sekt\u00f6rde SGK\u2019ye ger\u00e7ek \u00fccretler \u00fczerinden bildirim yap\u0131lmayarak prim ka\u00e7a\u011f\u0131na neden olan sigortal\u0131 say\u0131s\u0131n\u0131n 2016 y\u0131l\u0131nda 2,5 milyon ki\u015fiye ula\u015ft\u0131\u011f\u0131n\u0131 g\u00f6stermi\u015ftir. Ara\u015ft\u0131rmaya g\u00f6re;**<\/p>\n
1. \u201cSigortal\u0131 olarak asgari \u00fccretli \u00e7al\u0131\u015fan (tam zamanl\u0131) say\u0131s\u0131 5 milyon de\u011fil, 2,5 milyondur. Di\u011fer deyi\u015fle, 2,5 milyon \u00e7al\u0131\u015fan asgari \u00fccretten y\u00fcksek \u00fccret ald\u0131\u011f\u0131 halde, i\u015fveren taraf\u0131ndan asgari \u00fccret \u00fczerinden sigortal\u0131 g\u00f6sterilmektedir.\u201d
\n2. Ayn\u0131 ara\u015ft\u0131rmaya g\u00f6re \u201cyakla\u015f\u0131k 1 milyon ki\u015fi (918 bin)\u201d ger\u00e7ekte kuruma asgari \u00fccretten bildirim yap\u0131lm\u0131\u015f olmas\u0131na kar\u015f\u0131n asgari \u00fccretin alt\u0131nda kazan\u00e7 sa\u011flamaktad\u0131r. Ara\u015ft\u0131rma bu \u00e7arp\u0131k durumu \u201cyasa gere\u011fi tam zamanl\u0131 \u00e7al\u0131\u015fan\u0131n \u00fccretini asgari \u00fccret d\u00fczeyinden g\u00f6steren i\u015fverenin, \u00e7al\u0131\u015fan\u0131n\u0131n banka hesab\u0131na yat\u0131rd\u0131\u011f\u0131 \u00fccretin bir k\u0131sm\u0131n\u0131 elden geri almas\u0131yla\u201d a\u00e7\u0131klamaktad\u0131r.
\n3. Ara\u015ft\u0131rma sonunda 5,1 milyon ki\u015finin asgari \u00fccret ve asgari \u00fccretin alt\u0131nda \u00e7al\u0131\u015ft\u0131\u011f\u0131 ortaya \u00e7\u0131km\u0131\u015ft\u0131r.
\nT\u00fcm bu verilerin bize sundu\u011fu \u00f6zet tabloya bakt\u0131\u011f\u0131m\u0131zda BES sisteminin dayand\u0131\u011f\u0131 gerek\u00e7elerle ya\u015fam\u0131n \u00f6rt\u00fc\u015fmedi\u011fi g\u00f6r\u00fclmektedir.<\/p>\n
\u201cBireysel Emeklilik Tasarruf ve Yat\u0131r\u0131m Sistemi Kanununda De\u011fi\u015fiklik Yap\u0131lmas\u0131na Dair Kanun Tasar\u0131s\u0131\u201d amac\u0131 emeklilerin refah d\u00fczeylerini korumak de\u011fil daha \u00f6nce KEY ve zrunlu tasarruf uygulamalar\u0131nda ya\u015fad\u0131\u011f\u0131m\u0131z gibi \u00e7al\u0131\u015fanlar \u00fczerinden bu kez bireysel emeklilik \u015firketleri \u00fczerinden piyasaya para aktarmak, \u00e7al\u0131\u015fan\u0131n cebinden al\u0131p sermayenin cebine para koymakt\u0131r.<\/p>\n
Do\u011frudur, T\u00fcrkiye\u2019de tasarruf e\u011filimi d\u00fc\u015f\u00fckt\u00fcr. \u00c7\u00fcnk\u00fc T\u00fcrkiye\u2019de \u00e7al\u0131\u015fanlar\u0131n tasarruf yapacak g\u00fcc\u00fc yoktur. Milyonlarca \u00e7al\u0131\u015fan bor\u00e7 bata\u011f\u0131nda zorunlu gereksinimlerini kar\u015f\u0131laman\u0131n derdindedir. Bor\u00e7lu oldu\u011fu i\u00e7in \u00fcrkek, bor\u00e7lu oldu\u011fu i\u00e7in korkmaktad\u0131r. Gelirden yoksun kal\u0131p borcunu \u00f6deyememe korkusu davran\u0131\u015flar\u0131n\u0131 y\u00f6nlendirmektedir. Gelirsiz kal\u0131r, i\u015ften at\u0131l\u0131rsam korkusuyla \u00f6rg\u00fctlenmekten ka\u00e7\u0131nmakta, \u00f6rg\u00fctl\u00fc olan grevde gelirim kesilirse korkusuyla grevden ka\u00e7\u0131nmaktad\u0131r.<\/p>\n
Ger\u00e7ekten emek\u00e7ileri d\u00fc\u015f\u00fcnen bir iktidar\u0131n yapmas\u0131 gereken bor\u00e7 bata\u011f\u0131ndaki \u00e7al\u0131\u015fanlara y\u00fck getirmek de\u011fildir. Kay\u0131td\u0131\u015f\u0131n\u0131 ortadan kald\u0131rmak i\u00e7in \u00f6rg\u00fctlenmenin \u00f6n\u00fcndeki engelleri ortadan kald\u0131rmakt\u0131r. \u00c7al\u0131\u015fanlar\u0131n gasbedilen haklar\u0131n\u0131 arayacaklar\u0131 hak arama yollar\u0131n\u0131 g\u00fc\u00e7lendirmektir. \u00c7al\u0131\u015fanlardan kesinti yerine, vergi dilimleri y\u00fckseltilmeli, vergi oranlar\u0131 d\u00fc\u015f\u00fcr\u00fclmeli, servetten al\u0131nan\u00a0vergiler artt\u0131r\u0131larak dolayl\u0131 vergiler a\u015fa\u011f\u0131 \u00e7ekilmeli, k\u0131saca \u00e7al\u0131\u015fanlara sermayeden kaynak aktar\u0131m\u0131na d\u00f6n\u00fck politikalar devreye sokulmal\u0131d\u0131r.<\/p>\n","protected":false},"excerpt":{"rendered":"H\u00fck\u00fcmet 01.08.2016 tarihinde Meclise \u201cBireysel Emeklilik Tasarruf ve Yat\u0131r\u0131m Sistemi Kanununda De\u011fi\u015fiklik…\n","protected":false},"author":2,"featured_media":40571,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[4689],"tags":[3205],"class_list":{"0":"post-22046","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-secki","8":"tag-bireysel-emeklilik"},"acf":[],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/eonmeet.com\/pol\/wp-json\/wp\/v2\/posts\/22046","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/eonmeet.com\/pol\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/eonmeet.com\/pol\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/eonmeet.com\/pol\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/eonmeet.com\/pol\/wp-json\/wp\/v2\/comments?post=22046"}],"version-history":[{"count":0,"href":"https:\/\/eonmeet.com\/pol\/wp-json\/wp\/v2\/posts\/22046\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/eonmeet.com\/pol\/wp-json\/wp\/v2\/media\/40571"}],"wp:attachment":[{"href":"https:\/\/eonmeet.com\/pol\/wp-json\/wp\/v2\/media?parent=22046"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/eonmeet.com\/pol\/wp-json\/wp\/v2\/categories?post=22046"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/eonmeet.com\/pol\/wp-json\/wp\/v2\/tags?post=22046"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}