{"id":3960,"date":"2025-09-01T17:29:34","date_gmt":"2025-09-01T14:29:34","guid":{"rendered":"https:\/\/www.sektorturk.com\/?p=3960"},"modified":"2025-09-01T17:30:46","modified_gmt":"2025-09-01T14:30:46","slug":"borclarin-cesitlendirilmesi","status":"publish","type":"post","link":"https:\/\/tr.sektorturk.com\/?p=3960","title":{"rendered":"BOR\u00c7LARIN \u00c7E\u015e\u0130TLEND\u0130R\u0130LMES\u0130"},"content":{"rendered":"\n

G\u00fcn\u00fcm\u00fcz ekonomilerinde bor\u00e7lanma, yaln\u0131zca bireyler i\u00e7in de\u011fil; devletler, \u015firketler ve hatta yerel y\u00f6netimler i\u00e7in ka\u00e7\u0131n\u0131lmaz bir finansman arac\u0131 haline gelmi\u015ftir. Ancak borcun yaln\u0131zca miktar\u0131 de\u011fil, yap\u0131s\u0131 ve \u00e7e\u015fitlendirilmesi de b\u00fcy\u00fck \u00f6nem ta\u015f\u0131maktad\u0131r. Zira tek tip bor\u00e7lanma, kriz d\u00f6nemlerinde ciddi k\u0131r\u0131lganl\u0131k yarat\u0131rken, bor\u00e7lar\u0131n farkl\u0131 kaynaklara, vadeye ve para birimine yay\u0131lmas\u0131, riskleri azaltarak s\u00fcrd\u00fcr\u00fclebilirli\u011fi g\u00fc\u00e7lendirmektedir.
Bor\u00e7lanman\u0131n Ka\u00e7\u0131n\u0131lmazl\u0131\u011f\u0131
Bor\u00e7, ekonomik ya\u015fam\u0131n do\u011fal bir par\u00e7as\u0131d\u0131r. Hane halk\u0131 i\u00e7in bor\u00e7, konut ve e\u011fitim gibi b\u00fcy\u00fck yat\u0131r\u0131mlar\u0131 m\u00fcmk\u00fcn k\u0131lar. \u015eirketler a\u00e7\u0131s\u0131ndan bor\u00e7, \u00fcretim kapasitesini art\u0131rmak ve yeni pazarlara a\u00e7\u0131lmak i\u00e7in gerekli sermayeyi sa\u011flar. Devletler i\u00e7in ise bor\u00e7lanma, altyap\u0131 yat\u0131r\u0131mlar\u0131ndan sosyal harcamalara kadar pek \u00e7ok alanda finansman kayna\u011f\u0131d\u0131r.<\/p>\n\n\n\n


Ancak her bor\u00e7lanma bi\u00e7imi ayn\u0131 derecede g\u00fcvenli de\u011fildir. \u00d6rne\u011fin k\u0131sa vadeli, y\u00fcksek faizli ve tek para birimine dayal\u0131 bor\u00e7lanmalar, en ufak ekonomik dalgalanmada ciddi \u00f6deme krizlerine yol a\u00e7abilir. \u0130\u015fte bu noktada \u201cbor\u00e7lar\u0131n \u00e7e\u015fitlendirilmesi\u201d kavram\u0131 devreye giriyor.
\u00c7e\u015fitlendirme Ne Anlama Geliyor?
Bor\u00e7lar\u0131n \u00e7e\u015fitlendirilmesi, bor\u00e7lanman\u0131n farkl\u0131 t\u00fcrlerde, vadelerde ve ara\u00e7larla ger\u00e7ekle\u015ftirilmesidir. T\u0131pk\u0131 yat\u0131r\u0131mc\u0131lar\u0131n portf\u00f6ylerini \u00e7e\u015fitlendirmesi gibi, bor\u00e7lular da riskleri azaltmak i\u00e7in \u00e7e\u015fitli finansman kaynaklar\u0131n\u0131 kullanabilirler. Bu \u00e7e\u015fitlendirme birka\u00e7 boyutta incelenebilir:
Vade \u00c7e\u015fitlendirmesi: K\u0131sa, orta ve uzun vadeli bor\u00e7lar\u0131n dengeli da\u011f\u0131l\u0131m\u0131, \u00f6demelerin yo\u011funla\u015ft\u0131\u011f\u0131 d\u00f6nemlerde nakit s\u0131k\u0131\u015f\u0131kl\u0131\u011f\u0131n\u0131 \u00f6nler.
Para Birimi \u00c7e\u015fitlendirmesi: Sadece d\u00f6viz cinsinden bor\u00e7lanmak, kur dalgalanmalar\u0131nda b\u00fcy\u00fck zarar do\u011furur. Yerli para ile bor\u00e7lanma, bu riski dengeleyebilir.
Kaynak \u00c7e\u015fitlendirmesi: Banka kredileri, tahvil ihrac\u0131, uluslararas\u0131 finans kurulu\u015flar\u0131 ve sermaye piyasalar\u0131 gibi farkl\u0131 kanallardan bor\u00e7lanma, ba\u011f\u0131ml\u0131l\u0131\u011f\u0131 azalt\u0131r.
Faiz Yap\u0131s\u0131 \u00c7e\u015fitlendirmesi: Sabit faizli ve de\u011fi\u015fken faizli bor\u00e7lar\u0131n birlikte kullan\u0131lmas\u0131 hem y\u00fckselen hem de d\u00fc\u015fen faiz ortamlar\u0131nda denge sa\u011flar.<\/p>\n\n\n

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Devletler \u0130\u00e7in \u00c7e\u015fitlendirme
<\/strong>Geli\u015fmekte olan \u00fclkelerin bor\u00e7 krizleri incelendi\u011finde, \u00e7o\u011funun ortak bir hatas\u0131 \u00f6ne \u00e7\u0131kar: Tek tip bor\u00e7lanmaya a\u015f\u0131r\u0131 ba\u011f\u0131ml\u0131l\u0131k. 1990\u2019larda Latin Amerika \u00fclkelerinin, 2000\u2019lerin ba\u015f\u0131nda T\u00fcrkiye\u2019nin ve son y\u0131llarda baz\u0131 Afrika \u00fclkelerinin ya\u015fad\u0131\u011f\u0131 bor\u00e7 krizleri, \u00e7o\u011funlukla k\u0131sa vadeli d\u00f6viz bor\u00e7lar\u0131n\u0131n a\u015f\u0131r\u0131 y\u00fckselmesinden kaynakland\u0131.
Oysa ba\u015far\u0131l\u0131 \u00f6rneklerde bor\u00e7 \u00e7e\u015fitlendirmesinin kritik rol oynad\u0131\u011f\u0131 g\u00f6r\u00fcl\u00fcyor. \u00d6rne\u011fin G\u00fcney Kore, Asya Krizi\u2019nden sonra bor\u00e7 yap\u0131s\u0131n\u0131 hem vadeler hem de kaynaklar a\u00e7\u0131s\u0131ndan \u00e7e\u015fitlendirerek ekonomik dayan\u0131kl\u0131l\u0131\u011f\u0131n\u0131 art\u0131rd\u0131. Benzer \u015fekilde Avrupa Birli\u011fi \u00fcyesi \u00fclkeler, tahvil piyasalar\u0131n\u0131 g\u00fc\u00e7lendirerek d\u0131\u015f \u015foklara daha diren\u00e7li hale geldi.
T\u00fcrkiye a\u00e7\u0131s\u0131ndan bak\u0131ld\u0131\u011f\u0131nda da son y\u0131llarda Hazine ve Maliye Bakanl\u0131\u011f\u0131\u2019n\u0131n i\u00e7 bor\u00e7lanmada uzun vadeli tahvillere y\u00f6nelmesi, d\u00f6viz cinsinden bor\u00e7lanmay\u0131 s\u0131n\u0131rlamaya \u00e7al\u0131\u015fmas\u0131 bu stratejinin bir yans\u0131mas\u0131d\u0131r.
\u015eirketler \u0130\u00e7in \u00c7e\u015fitlendirme
\u015eirketler a\u00e7\u0131s\u0131ndan bor\u00e7 \u00e7e\u015fitlendirmesi, s\u00fcrd\u00fcr\u00fclebilir b\u00fcy\u00fcmenin anahtar\u0131d\u0131r. Sadece k\u0131sa vadeli banka kredilerine dayanan bir yap\u0131, piyasalardaki en k\u00fc\u00e7\u00fck dalgalanmada \u015firketi krize s\u00fcr\u00fckleyebilir. Oysa uzun vadeli tahvil ihrac\u0131, uluslararas\u0131 finansman kaynaklar\u0131n\u0131n kullan\u0131m\u0131 veya leasing gibi farkl\u0131 ara\u00e7lar\u0131n devreye sokulmas\u0131, \u015firketin likidite y\u00f6netimini kolayla\u015ft\u0131r\u0131r.
Ayr\u0131ca para birimi \u00e7e\u015fitlendirmesi de \u00f6nemlidir. D\u00f6viz geliri olmayan bir firman\u0131n y\u00fcksek miktarda d\u00f6viz kredisi kullanmas\u0131, kur \u015foklar\u0131nda ciddi zararlara yol a\u00e7abilir. Bu nedenle \u015firketlerin gelir yap\u0131s\u0131na uygun bor\u00e7lanma ara\u00e7lar\u0131 se\u00e7mesi, \u00e7e\u015fitlendirme stratejisinin bir par\u00e7as\u0131d\u0131r.
Hane halk\u0131 \u0130\u00e7in \u00c7e\u015fitlendirme
Bireyler i\u00e7in de bor\u00e7 \u00e7e\u015fitlendirmesi \u00f6nemli bir mali disiplindir. T\u00fcm bor\u00e7lar\u0131n\u0131 k\u0131sa vadeli t\u00fcketici kredilerinden sa\u011flamak yerine, uzun vadeli ve sabit faizli konut kredisi, e\u011fitim kredisi veya uygun faizli kamu destekli kredilerle dengeli bir yap\u0131 olu\u015fturmak m\u00fcmk\u00fcnd\u00fcr. Ayn\u0131 zamanda bireylerin kredi kart\u0131 bor\u00e7lar\u0131n\u0131 uzun vadeli d\u00fc\u015f\u00fck faizli kredilerle dengelemesi de \u00e7e\u015fitlendirme mant\u0131\u011f\u0131n\u0131n bir yans\u0131mas\u0131d\u0131r.
Risk Azaltma ve Dayan\u0131kl\u0131l\u0131k
Bor\u00e7lar\u0131n \u00e7e\u015fitlendirilmesi yaln\u0131zca \u00f6deme g\u00fcc\u00fcn\u00fc art\u0131rmakla kalmaz; ayn\u0131 zamanda ekonomik dalgalanmalara kar\u015f\u0131 dayan\u0131kl\u0131l\u0131\u011f\u0131 da y\u00fckseltir. K\u00fcresel faizlerin y\u00fckseldi\u011fi d\u00f6nemlerde sabit faizli bor\u00e7lar avantaj sa\u011flarken, faizlerin d\u00fc\u015ft\u00fc\u011f\u00fc d\u00f6nemlerde de\u011fi\u015fken faizli bor\u00e7lar maliyeti azaltabilir. Benzer \u015fekilde kur \u015foklar\u0131nda yerli para bor\u00e7lar g\u00fcvenlik a\u011f\u0131 olu\u015fturur.
Sonu\u00e7: Sa\u011flam Finansman\u0131n Anahtar\u0131
Ekonomik istikrar yaln\u0131zca bor\u00e7 miktar\u0131yla de\u011fil, borcun niteli\u011fiyle de ilgilidir. Bor\u00e7lar\u0131n \u00e7e\u015fitlendirilmesi, devletlerden \u015firketlere, hane halk\u0131ndan bireylere kadar herkes i\u00e7in riskleri azaltan ve gelece\u011fe daha g\u00fcvenle bakmay\u0131 sa\u011flayan bir stratejidir. Tek kayna\u011fa ya da tek para birimine ba\u011fl\u0131 kalmak yerine, farkl\u0131 ara\u00e7lara yay\u0131lm\u0131\u015f bor\u00e7 yap\u0131s\u0131, ekonomik ya\u015fam\u0131n belirsizlikleri kar\u015f\u0131s\u0131nda en g\u00fc\u00e7l\u00fc koruyucu kalkanlardan biridir.
Gazetelerin ekonomi sayfalar\u0131nda s\u0131k\u00e7a g\u00f6rd\u00fc\u011f\u00fcm\u00fcz \u201cbor\u00e7 y\u00fck\u00fc\u201d tart\u0131\u015fmalar\u0131na yeni bir perspektif getirmek gerekirse; mesele yaln\u0131zca borcun b\u00fcy\u00fckl\u00fc\u011f\u00fc de\u011fil, o borcun nas\u0131l \u00e7e\u015fitlendirildi\u011fidir. \u00c7\u00fcnk\u00fc do\u011fru \u00e7e\u015fitlendirilmi\u015f bor\u00e7, krizin kayna\u011f\u0131 de\u011fil, s\u00fcrd\u00fcr\u00fclebilir b\u00fcy\u00fcmenin destek\u00e7isi olabilir.
ZAFER \u00d6ZC\u0130VAN
Ekonomist-Yazar
Zaferozcivan59@gmail.com<\/p>\n","protected":false},"excerpt":{"rendered":"

G\u00fcn\u00fcm\u00fcz ekonomilerinde bor\u00e7lanma, yaln\u0131zca bireyler i\u00e7in de\u011fil; devletler, \u015firketler ve hatta yerel y\u00f6netimler i\u00e7in ka\u00e7\u0131n\u0131lmaz bir finansman arac\u0131 haline gelmi\u015ftir. Ancak borcun yaln\u0131zca miktar\u0131 de\u011fil, yap\u0131s\u0131 ve \u00e7e\u015fitlendirilmesi de b\u00fcy\u00fck \u00f6nem ta\u015f\u0131maktad\u0131r. Zira tek tip bor\u00e7lanma, kriz d\u00f6nemlerinde ciddi k\u0131r\u0131lganl\u0131k yarat\u0131rken, bor\u00e7lar\u0131n farkl\u0131 kaynaklara, vadeye ve para birimine yay\u0131lmas\u0131, riskleri azaltarak s\u00fcrd\u00fcr\u00fclebilirli\u011fi g\u00fc\u00e7lendirmektedir.Bor\u00e7lanman\u0131n Ka\u00e7\u0131n\u0131lmazl\u0131\u011f\u0131Bor\u00e7, ekonomik ya\u015fam\u0131n do\u011fal bir par\u00e7as\u0131d\u0131r. Hane halk\u0131 i\u00e7in bor\u00e7, konut ve e\u011fitim gibi b\u00fcy\u00fck yat\u0131r\u0131mlar\u0131 m\u00fcmk\u00fcn k\u0131lar. \u015eirketler a\u00e7\u0131s\u0131ndan bor\u00e7, \u00fcretim kapasitesini art\u0131rmak ve yeni pazarlara a\u00e7\u0131lmak i\u00e7in gerekli sermayeyi sa\u011flar. Devletler i\u00e7in ise bor\u00e7lanma, altyap\u0131 yat\u0131r\u0131mlar\u0131ndan sosyal harcamalara kadar pek \u00e7ok alanda finansman kayna\u011f\u0131d\u0131r. Ancak her bor\u00e7lanma bi\u00e7imi ayn\u0131 derecede g\u00fcvenli de\u011fildir. \u00d6rne\u011fin k\u0131sa vadeli, y\u00fcksek faizli ve tek para birimine dayal\u0131 bor\u00e7lanmalar, en ufak ekonomik dalgalanmada ciddi \u00f6deme krizlerine yol a\u00e7abilir. \u0130\u015fte bu noktada \u201cbor\u00e7lar\u0131n \u00e7e\u015fitlendirilmesi\u201d kavram\u0131 devreye giriyor.\u00c7e\u015fitlendirme Ne Anlama Geliyor?Bor\u00e7lar\u0131n \u00e7e\u015fitlendirilmesi, bor\u00e7lanman\u0131n farkl\u0131 t\u00fcrlerde, vadelerde ve ara\u00e7larla ger\u00e7ekle\u015ftirilmesidir. T\u0131pk\u0131 yat\u0131r\u0131mc\u0131lar\u0131n portf\u00f6ylerini \u00e7e\u015fitlendirmesi gibi, bor\u00e7lular da riskleri azaltmak i\u00e7in \u00e7e\u015fitli finansman kaynaklar\u0131n\u0131 kullanabilirler. Bu \u00e7e\u015fitlendirme birka\u00e7 boyutta incelenebilir:Vade \u00c7e\u015fitlendirmesi: K\u0131sa, orta ve uzun vadeli bor\u00e7lar\u0131n dengeli da\u011f\u0131l\u0131m\u0131, \u00f6demelerin yo\u011funla\u015ft\u0131\u011f\u0131 d\u00f6nemlerde nakit s\u0131k\u0131\u015f\u0131kl\u0131\u011f\u0131n\u0131 \u00f6nler.Para Birimi \u00c7e\u015fitlendirmesi: Sadece d\u00f6viz cinsinden bor\u00e7lanmak, kur dalgalanmalar\u0131nda b\u00fcy\u00fck zarar do\u011furur. Yerli para ile bor\u00e7lanma, bu riski dengeleyebilir.Kaynak \u00c7e\u015fitlendirmesi: Banka kredileri, tahvil ihrac\u0131, uluslararas\u0131 finans kurulu\u015flar\u0131 ve sermaye piyasalar\u0131 gibi farkl\u0131 kanallardan bor\u00e7lanma, ba\u011f\u0131ml\u0131l\u0131\u011f\u0131 azalt\u0131r.Faiz Yap\u0131s\u0131 \u00c7e\u015fitlendirmesi: Sabit faizli ve de\u011fi\u015fken faizli bor\u00e7lar\u0131n birlikte kullan\u0131lmas\u0131 hem y\u00fckselen hem de d\u00fc\u015fen faiz ortamlar\u0131nda denge sa\u011flar. Devletler \u0130\u00e7in \u00c7e\u015fitlendirmeGeli\u015fmekte olan \u00fclkelerin bor\u00e7 krizleri incelendi\u011finde, \u00e7o\u011funun ortak bir hatas\u0131 \u00f6ne \u00e7\u0131kar: Tek tip bor\u00e7lanmaya a\u015f\u0131r\u0131 ba\u011f\u0131ml\u0131l\u0131k. 1990\u2019larda Latin Amerika \u00fclkelerinin, 2000\u2019lerin ba\u015f\u0131nda T\u00fcrkiye\u2019nin ve son y\u0131llarda baz\u0131 Afrika \u00fclkelerinin ya\u015fad\u0131\u011f\u0131 bor\u00e7 krizleri, \u00e7o\u011funlukla k\u0131sa vadeli d\u00f6viz bor\u00e7lar\u0131n\u0131n a\u015f\u0131r\u0131 y\u00fckselmesinden kaynakland\u0131.Oysa ba\u015far\u0131l\u0131 \u00f6rneklerde bor\u00e7 \u00e7e\u015fitlendirmesinin kritik rol oynad\u0131\u011f\u0131 g\u00f6r\u00fcl\u00fcyor. \u00d6rne\u011fin G\u00fcney Kore, Asya Krizi\u2019nden sonra bor\u00e7 yap\u0131s\u0131n\u0131 hem vadeler hem de kaynaklar a\u00e7\u0131s\u0131ndan \u00e7e\u015fitlendirerek ekonomik dayan\u0131kl\u0131l\u0131\u011f\u0131n\u0131 art\u0131rd\u0131. Benzer \u015fekilde Avrupa Birli\u011fi \u00fcyesi \u00fclkeler, tahvil piyasalar\u0131n\u0131 g\u00fc\u00e7lendirerek d\u0131\u015f \u015foklara daha diren\u00e7li hale geldi.T\u00fcrkiye a\u00e7\u0131s\u0131ndan bak\u0131ld\u0131\u011f\u0131nda da son y\u0131llarda Hazine ve Maliye Bakanl\u0131\u011f\u0131\u2019n\u0131n i\u00e7 bor\u00e7lanmada uzun vadeli tahvillere y\u00f6nelmesi, d\u00f6viz cinsinden bor\u00e7lanmay\u0131 s\u0131n\u0131rlamaya \u00e7al\u0131\u015fmas\u0131 bu stratejinin bir yans\u0131mas\u0131d\u0131r.\u015eirketler \u0130\u00e7in \u00c7e\u015fitlendirme\u015eirketler a\u00e7\u0131s\u0131ndan bor\u00e7 \u00e7e\u015fitlendirmesi, s\u00fcrd\u00fcr\u00fclebilir b\u00fcy\u00fcmenin anahtar\u0131d\u0131r. Sadece k\u0131sa vadeli banka kredilerine dayanan bir yap\u0131, piyasalardaki en k\u00fc\u00e7\u00fck dalgalanmada \u015firketi krize s\u00fcr\u00fckleyebilir. Oysa uzun vadeli tahvil ihrac\u0131, uluslararas\u0131 finansman kaynaklar\u0131n\u0131n kullan\u0131m\u0131 veya leasing gibi farkl\u0131 ara\u00e7lar\u0131n devreye sokulmas\u0131, \u015firketin likidite y\u00f6netimini kolayla\u015ft\u0131r\u0131r.Ayr\u0131ca para birimi \u00e7e\u015fitlendirmesi de \u00f6nemlidir. D\u00f6viz geliri olmayan bir firman\u0131n y\u00fcksek miktarda d\u00f6viz kredisi kullanmas\u0131, kur \u015foklar\u0131nda ciddi zararlara yol a\u00e7abilir. Bu nedenle \u015firketlerin gelir yap\u0131s\u0131na uygun bor\u00e7lanma ara\u00e7lar\u0131 se\u00e7mesi, \u00e7e\u015fitlendirme stratejisinin bir par\u00e7as\u0131d\u0131r.Hane halk\u0131 \u0130\u00e7in \u00c7e\u015fitlendirmeBireyler i\u00e7in de bor\u00e7 \u00e7e\u015fitlendirmesi \u00f6nemli bir mali disiplindir. T\u00fcm bor\u00e7lar\u0131n\u0131 k\u0131sa vadeli t\u00fcketici kredilerinden sa\u011flamak yerine, uzun vadeli ve sabit faizli konut kredisi, e\u011fitim kredisi veya uygun faizli kamu destekli kredilerle dengeli bir yap\u0131 olu\u015fturmak m\u00fcmk\u00fcnd\u00fcr. Ayn\u0131 zamanda bireylerin kredi kart\u0131 bor\u00e7lar\u0131n\u0131 uzun vadeli d\u00fc\u015f\u00fck faizli kredilerle dengelemesi de \u00e7e\u015fitlendirme mant\u0131\u011f\u0131n\u0131n bir yans\u0131mas\u0131d\u0131r.Risk Azaltma ve Dayan\u0131kl\u0131l\u0131kBor\u00e7lar\u0131n \u00e7e\u015fitlendirilmesi yaln\u0131zca \u00f6deme g\u00fcc\u00fcn\u00fc art\u0131rmakla kalmaz; ayn\u0131 zamanda ekonomik dalgalanmalara kar\u015f\u0131 dayan\u0131kl\u0131l\u0131\u011f\u0131 da y\u00fckseltir. K\u00fcresel faizlerin y\u00fckseldi\u011fi d\u00f6nemlerde sabit faizli bor\u00e7lar avantaj sa\u011flarken, faizlerin d\u00fc\u015ft\u00fc\u011f\u00fc d\u00f6nemlerde de\u011fi\u015fken faizli bor\u00e7lar maliyeti azaltabilir. Benzer \u015fekilde kur \u015foklar\u0131nda yerli para bor\u00e7lar g\u00fcvenlik a\u011f\u0131 olu\u015fturur.Sonu\u00e7: Sa\u011flam Finansman\u0131n Anahtar\u0131Ekonomik istikrar yaln\u0131zca bor\u00e7 miktar\u0131yla de\u011fil, borcun niteli\u011fiyle de ilgilidir.…<\/p>\n","protected":false},"author":2,"featured_media":3793,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[26,267],"tags":[380,114,268],"class_list":["post-3960","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kose-yazarlari","category-zafer-ozcivan","tag-borclarin-cesitlendirilmisei","tag-ekonomi","tag-zaferozcivan"],"_links":{"self":[{"href":"https:\/\/tr.sektorturk.com\/index.php?rest_route=\/wp\/v2\/posts\/3960","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tr.sektorturk.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tr.sektorturk.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tr.sektorturk.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/tr.sektorturk.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=3960"}],"version-history":[{"count":3,"href":"https:\/\/tr.sektorturk.com\/index.php?rest_route=\/wp\/v2\/posts\/3960\/revisions"}],"predecessor-version":[{"id":3963,"href":"https:\/\/tr.sektorturk.com\/index.php?rest_route=\/wp\/v2\/posts\/3960\/revisions\/3963"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tr.sektorturk.com\/index.php?rest_route=\/wp\/v2\/media\/3793"}],"wp:attachment":[{"href":"https:\/\/tr.sektorturk.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=3960"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tr.sektorturk.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=3960"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tr.sektorturk.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=3960"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}