The things that come up when you search for "stress test" on Google have nothing to do with our topic.
Most of them are health-related terms and explanations.
Therefore, please do not look at what is on Google, but rather at what I have written below.
What I want to explain here is, from an economic perspective, "what is a stress test," "what is it for," and "how is it used?"
In commercial life, especially in banking, there is a "capacity test" model that is frequently used.
It is a system used to measure the financial and moral strength of regular customers who request an unusually high amount of credit.
Let's give an example so it can be understood more easily.
A long-time customer, the owner of a company with a significant commercial volume, knocks on the bank manager's door and says they need a very high amount of credit.
They explain that they are going to undertake a new project and that for this, they need many times the total of the loans they have been using for years.
The bank manager congratulates them, but states that the amount is very high and that they need to get approval from headquarters, asking for some time.
During this time, the bank, through the "financial agents" it employs, tries to sabotage the work the company is doing.
They try to disrupt the company's financial flow by offering kickbacks to the company's customers. They pull every trick imaginable to bankrupt a company.
They complain to the tax office, act as intermediaries for negative advertising campaigns, and so on.
The company, whose traditional business and financial flow have been disrupted, still continues to make its old bank loan payments without interruption.
Despite all the pressure from the agents, the company owners continue to make payments on their old debts by selling their own personal assets, their spouses' jewelry such as gold, rings, and diamonds, or by mortgaging them to loan sharks.
After all this pressure, the company that does not surrender and remains loyal to its debts by liquidating its assets has now passed the bank headquarters' exam.
The situation is reported to the firm with a note saying, "your requested loan has been approved."
As for the firm owners, who are unaware of this financial agency incident and have secretly sold or mortgaged all their assets, including their spouses' diamonds and wedding rings,
They say, "Look at that, just when we were about to go bankrupt, the 'silly' bank approved our loan.
Make sure you don't tell anyone," they say.
Could such a stress test have been applied to the hundred-year-old Republic of Turkey?
As the great Atatürk stated in his Address to the Youth.
Shouldn't a country have already collapsed where, through so-called Sunni, faithful sons-in-law, all its shipyards and cosmic rooms were entered, its commanders were handcuffed through deception, all its fundamental institutions such as its judiciary, civil service, medical schools, and military academies were occupied, the majority of its deputies who downloaded applications to their smartphones pledged their faith not to the constitution but to Pennsylvania, and protected the interests of invaders in heedlessness, error, and even treason rather than those of its own citizens?
In short, we have also passed the stress test, indeed.
May God not let us experience it again!
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