{"id":3396,"date":"2026-05-04T21:01:27","date_gmt":"2026-05-04T21:01:27","guid":{"rendered":"https:\/\/sdtax.com.tr\/?p=3396"},"modified":"2026-05-04T21:01:29","modified_gmt":"2026-05-04T21:01:29","slug":"sirketlerde-ticari-alacak-riski","status":"publish","type":"post","link":"https:\/\/sdtax.com.tr\/index.php\/2026\/05\/04\/sirketlerde-ticari-alacak-riski\/","title":{"rendered":"\u015e\u0130RKETLERDE T\u0130CAR\u0130 ALACAK R\u0130SK\u0130"},"content":{"rendered":"\n

Tekstil sekt\u00f6r\u00fcnde \u00fcretici, net sat\u0131\u015f\u0131 1.5 milyar TL olan firma sahibi mali tablolar\u0131n\u0131 de\u011ferlendirmemi talep etti.<\/p>\n\n\n\n

Kaynaklar i\u00e7inde %80 ile g\u00fc\u00e7l\u00fc bir \u00f6zkaynak yap\u0131s\u0131 bulunuyor, duran varl\u0131k yat\u0131r\u0131m\u0131n\u0131 da \u00f6zkaynaklarla yapm\u0131\u015ft\u0131.<\/p>\n\n\n\n

Sipari\u015f usul\u00fc \u00e7al\u0131\u015ft\u0131\u011f\u0131 i\u00e7in stok birikimi d\u00fc\u015f\u00fckt\u00fc.<\/p>\n\n\n\n

Bilan\u00e7oda en b\u00fcy\u00fck risk, ticari alacaklard\u0131. 500 milyon TL ticari alaca\u011f\u0131n, yar\u0131s\u0131 \u00e7ekli yar\u0131s\u0131 a\u00e7\u0131k hesap \u015feklindeydi.<\/p>\n\n\n\n

Tekstil sekt\u00f6r\u00fcn\u00fcn mevcut durumu nedeniyle alacaklar\u0131n tahsili konusunda tedirginlik ya\u015f\u0131yordu.<\/p>\n\n\n\n

Bu zamana kadar ticari alacaklarda s\u0131k\u0131nt\u0131 ya\u015famam\u0131\u015flard\u0131 ancak piyasan\u0131n durumu eskisi kadar rahat davranmalar\u0131n\u0131 engelliyordu.<\/p>\n\n\n\n

Uzun zamand\u0131r tan\u0131d\u0131k firmalara mal veriyorlard\u0131 ancak sohbetin ortas\u0131nda s\u00f6ylenen \u015fu ifade ger\u00e7ekten hayati \u00f6nem ta\u015f\u0131yordu.<\/p>\n\n\n\n

\u201cSekt\u00f6r\u00fcn lider firmalar\u0131ndan biri ile uzun zamand\u0131r \u00e7al\u0131\u015f\u0131yorduk. \u00c7ok c\u00fczi bir alacak bakiyemiz vard\u0131. Bir sabah beni arad\u0131 ve firmas\u0131n\u0131n konkordato ald\u0131\u011f\u0131n\u0131 s\u00f6yledi. Oysa ki bir g\u00fcn \u00f6nce 1 milyon USD\u2019lik mal isteseydi, hi\u00e7 d\u00fc\u015f\u00fcnmeden g\u00f6nderirdim.\u201d<\/p>\n\n\n\n

Maalesef piyasan\u0131n durumu bu.<\/p>\n\n\n\n

En g\u00fc\u00e7l\u00fc denilen firmalar bir anda konkordato alabiliyor.<\/p>\n\n\n\n

\ud83d\udccc Bu piyasa \u015fartlar\u0131nda ticari alacaklarda nas\u0131l bir sistem kurarak alacak riskimizi minimum seviyeye \u00e7ekebiliriz?<\/p>\n\n\n\n

Bug\u00fcn bir\u00e7ok \u015firketin en b\u00fcy\u00fck k\u00f6r noktas\u0131:<\/p>\n\n\n\n

\ud83e\ude78Sat\u0131\u015f var ama tahsilat garantisi yok. Karl\u0131l\u0131k var ama nakit ak\u0131\u015f\u0131 k\u0131r\u0131lgan.<\/p>\n\n\n\n

Art\u0131k \u201cm\u00fc\u015fteriyi \u00e7ok iyi tan\u0131yorum, eski dostum\u201d yakla\u015f\u0131m\u0131 yeterli de\u011fil.<\/p>\n\n\n\n

Sistematik risk y\u00f6netimi art\u0131k \u015fart.<\/p>\n\n\n\n

\ud83d\udcccT\u0130CAR\u0130 ALACAKLAR NASIL Y\u00d6NET\u0130LMEL\u0130?<\/p>\n\n\n\n

    \n
  1. Her bir al\u0131c\u0131 i\u00e7in detayl\u0131 al\u0131c\u0131 dosyas\u0131 olu\u015fturup m\u00fcmk\u00fcnse (kolay de\u011fil) mali verileri, \u00f6zl\u00fck bilgilerini almak<\/li>\n\n\n\n
  2. Alacaklarda ya\u015fland\u0131rma yapmak (30-60-90 g\u00fcn k\u0131r\u0131l\u0131m\u0131 ile riskleri g\u00f6rmek)<\/li>\n\n\n\n
  3. T\u00fcm m\u00fc\u015fteriler i\u00e7in belli d\u00f6nemlerde piyasa ve banka istihbarat\u0131 yapmak<\/li>\n\n\n\n
  4. Her bir firma i\u00e7in sat\u0131\u015f limiti, riski ve teminat yap\u0131s\u0131 belirlemek<\/li>\n\n\n\n
  5. M\u00fc\u015fteri bazl\u0131 risk skoru olu\u015fturmak (finansal g\u00fc\u00e7, \u00f6deme al\u0131\u015fkanl\u0131\u011f\u0131, sekt\u00f6r riski)<\/li>\n\n\n\n
  6. Tek bir m\u00fc\u015fteriye yo\u011funla\u015fmay\u0131 s\u0131n\u0131rlamak (konsantrasyon riski kontrol\u00fc)<\/li>\n\n\n\n
  7. A\u00e7\u0131k hesap yerine m\u00fcmk\u00fcn oldu\u011funca teminatl\u0131 \u00e7al\u0131\u015fmak (\u00e7ek, ipotek, teminat mektubu)<\/li>\n\n\n\n
  8. Ticari alacak sigortas\u0131 kullanmak (b\u00fcy\u00fck montanl\u0131 sat\u0131\u015flarda)<\/li>\n\n\n\n
  9. Erken uyar\u0131 sistemi kurmak (gecikmeler, \u00e7ek d\u00f6n\u00fc\u015fleri ve \u00f6telenmesi, piyasa dedikodular\u0131 izlenmeli)<\/li>\n\n\n\n
  10. Tahsilat performans\u0131n\u0131 d\u00fczenli raporlamak (sat\u0131\u015f ekibinden ba\u011f\u0131ms\u0131z izleme \u015fart)<\/li>\n\n\n\n
  11. Sat\u0131\u015f ekiplerini sadece ciroya de\u011fil tahsilata g\u00f6re de primlendirmek<\/li>\n\n\n\n
  12. Hukuki s\u00fcre\u00e7leri geciktirmemek (erken aksiyon zararlar\u0131 minimize eder)<\/li>\n\n\n\n
  13. Problemli alacaklar i\u00e7in yap\u0131land\u0131rma ve yeniden \u00f6deme planlar\u0131 olu\u015fturmak<\/li>\n\n\n\n
  14. S\u00f6zle\u015fmeleri g\u00fc\u00e7lendirmek (vade, teminat, cezai \u015fartlar net olmal\u0131)<\/li>\n<\/ol>\n\n\n\n

    En \u00f6nemli ger\u00e7ek \u015fu:<\/p>\n\n\n\n

    \ud83d\udcccAlacak riski, sat\u0131\u015f yap\u0131l\u0131rken ba\u015flar, tahsil edilemedi\u011finde de\u011fil.<\/p>\n\n\n\n

    Bug\u00fcn\u00fcn d\u00fcnyas\u0131nda g\u00fc\u00e7l\u00fc bilan\u00e7o tek ba\u015f\u0131na yeterli de\u011fildir.<\/p>\n\n\n\n

    Nakit ak\u0131\u015f\u0131n\u0131 koruyamayan, ticari alaca\u011f\u0131n\u0131 y\u00f6netemeyen \u015firketler ne kadar b\u00fcy\u00fck olursa olsun k\u0131r\u0131lgan hale gelir.<\/p>\n\n\n\n

    Bazen en b\u00fcy\u00fck risk, en g\u00fcvendi\u011finiz m\u00fc\u015fteriniz olabilir.<\/p>\n","protected":false},"excerpt":{"rendered":"

    Tekstil sekt\u00f6r\u00fcnde \u00fcretici, net sat\u0131\u015f\u0131 1.5 milyar TL olan firma sahibi mali tablolar\u0131n\u0131 de\u011ferlendirmemi talep etti. Kaynaklar i\u00e7inde %80 ile g\u00fc\u00e7l\u00fc bir \u00f6zkaynak yap\u0131s\u0131 bulunuyor, duran varl\u0131k yat\u0131r\u0131m\u0131n\u0131 da \u00f6zkaynaklarla yapm\u0131\u015ft\u0131. Sipari\u015f usul\u00fc \u00e7al\u0131\u015ft\u0131\u011f\u0131 i\u00e7in stok birikimi d\u00fc\u015f\u00fckt\u00fc. Bilan\u00e7oda en b\u00fcy\u00fck risk, ticari alacaklard\u0131. 500 milyon TL ticari alaca\u011f\u0131n, yar\u0131s\u0131 \u00e7ekli yar\u0131s\u0131 a\u00e7\u0131k hesap \u015feklindeydi. […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-3396","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/sdtax.com.tr\/index.php\/wp-json\/wp\/v2\/posts\/3396","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sdtax.com.tr\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/sdtax.com.tr\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/sdtax.com.tr\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/sdtax.com.tr\/index.php\/wp-json\/wp\/v2\/comments?post=3396"}],"version-history":[{"count":1,"href":"https:\/\/sdtax.com.tr\/index.php\/wp-json\/wp\/v2\/posts\/3396\/revisions"}],"predecessor-version":[{"id":3397,"href":"https:\/\/sdtax.com.tr\/index.php\/wp-json\/wp\/v2\/posts\/3396\/revisions\/3397"}],"wp:attachment":[{"href":"https:\/\/sdtax.com.tr\/index.php\/wp-json\/wp\/v2\/media?parent=3396"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sdtax.com.tr\/index.php\/wp-json\/wp\/v2\/categories?post=3396"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sdtax.com.tr\/index.php\/wp-json\/wp\/v2\/tags?post=3396"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}