{"id":13093,"date":"2019-12-11T10:27:37","date_gmt":"2019-12-11T10:27:37","guid":{"rendered":"https:\/\/www.esin.av.tr\/?p=13093"},"modified":"2022-06-09T12:40:10","modified_gmt":"2022-06-09T12:40:10","slug":"bddkdan-izinsiz-bankacilik-faaliyetlerine-mudahale","status":"publish","type":"post","link":"https:\/\/www.esin.av.tr\/tr\/2019\/12\/11\/bddkdan-izinsiz-bankacilik-faaliyetlerine-mudahale\/","title":{"rendered":"BDDK&#8217;dan \u0130zinsiz Bankac\u0131l\u0131k Faaliyetlerine M\u00fcdahale"},"content":{"rendered":"<p><strong>T\u00fcrk Hukukunda Bankac\u0131l\u0131k Faaliyetleri<\/strong><\/p>\n<p>5411 say\u0131l\u0131 Bankac\u0131l\u0131k Kanunu (&#8221;<strong>Kanun<\/strong>&#8221;) uyar\u0131nca, (nakdi veya gayrinakdi kredi tesis etmek, mevduat kabul etmek, banka kart\u0131\/kredi kart\u0131 ihra\u00e7 etmek gibi) Kanun&#8217;un 4. maddesinde say\u0131lan bankac\u0131l\u0131k faaliyetleri ancak Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (&#8220;<strong>BDDK<\/strong>&#8220;) taraf\u0131ndan verilecek bankac\u0131l\u0131k faaliyet izni ile y\u00fcr\u00fct\u00fclebilmektedir.<\/p>\n<p>B\u00f6yle bir izin olmaks\u0131z\u0131n bu faaliyetleri y\u00fcr\u00fcten ger\u00e7ek ki\u015filer veya t\u00fczel ki\u015filerin g\u00f6revlileri \u00fc\u00e7 y\u0131ldan be\u015f y\u0131la kadar hapis ve 500.000 TL&#8217;ye kadar adl\u00ee para cezas\u0131 ile cezaland\u0131r\u0131l\u0131r.<\/p>\n<p>Ayr\u0131ca faaliyet iznine sahip olmaks\u0131z\u0131n ticari unvanlar\u0131nda, reklamlar\u0131nda veya kamuoyu a\u00e7\u0131klamalar\u0131nda banka ad\u0131n\u0131 veya banka gibi faaliyet g\u00f6sterdikleri izlenimi yaratan ifadeleri kullanan ger\u00e7ek ki\u015fi veya t\u00fczel ki\u015filerin g\u00f6revlileri bir y\u0131ldan \u00fc\u00e7 y\u0131la kadar hapis ve 500.000 TL&#8217;ye kadar adl\u00ee para cezas\u0131 ile cezaland\u0131r\u0131l\u0131r.<\/p>\n<p><strong>Yeni Geli\u015fmeler<\/strong><\/p>\n<ul>\n<li>BDDK 4 Aral\u0131k 2019 tarihinde Eurobank Kos. SH. A.&#8217;n\u0131n (&#8221;<strong>\u015eirket<\/strong>&#8221;) (i) teminat mektubu ihra\u00e7 ederek bankac\u0131l\u0131k faaliyetlerinde bulundu\u011fu; (ii) internet sitesinde bankac\u0131l\u0131k, finansal kiralama ve faktoring i\u015flemleri yapt\u0131\u011f\u0131 ve (iii) kredi kart\u0131 \u00e7\u0131kard\u0131\u011f\u0131 izlenimi yaratan ifadeler kulland\u0131\u011f\u0131n\u0131 tespit etti\u011fine dair bir bas\u0131n duyurusu yay\u0131mlad\u0131. BDDK bu duyuruya \u015eirket&#8217;in ger\u00e7ekle\u015ftirdi\u011fi bu fiillerin izinsiz bankac\u0131l\u0131k faaliyeti te\u015fkil etti\u011fini de ekledi ve \u015eirket&#8217;in yetkilileri hakk\u0131nda su\u00e7 duyurusunda bulunulmas\u0131na karar verdi.<\/li>\n<\/ul>\n<p><strong>Sonu\u00e7<\/strong><\/p>\n<p>Duyuru, uzun zaman sonra ilk defa BDDK&#8217;n\u0131n izinsiz bankac\u0131l\u0131k faaliyetlerine ili\u015fkin \u00f6nlem ald\u0131\u011f\u0131 ve su\u00e7 duyurusunda bulundu\u011fu \u00f6rnek olmas\u0131 sebebiyle, \u00f6nem arz etmektedir. BDDK&#8217;n\u0131n piyasadaki geli\u015fmeler ve izinsiz faaliyetlere ili\u015fkin yak\u0131n takibinin devam edece\u011fi ve bundan sonraki benzer giri\u015fimlere kar\u015f\u0131 da benzer \u00f6nlemleri alabilece\u011fi anla\u015f\u0131ld\u0131\u011f\u0131ndan, piyasa oyuncular\u0131n\u0131n izinsiz bankac\u0131l\u0131k faaliyeti niteli\u011fi say\u0131labilecek i\u015f ve i\u015flemlerden ka\u00e7\u0131nmas\u0131 gerekmektedir.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>T\u00fcrk Hukukunda Bankac\u0131l\u0131k Faaliyetleri 5411 say\u0131l\u0131 Bankac\u0131l\u0131k Kanunu (&#8221;Kanun&#8221;) uyar\u0131nca, (nakdi veya gayrinakdi kredi tesis etmek, mevduat kabul etmek, banka [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_stopmodifiedupdate":false,"_modified_date":"","footnotes":""},"categories":[120],"tags":[90],"class_list":["post-13093","post","type-post","status-publish","format-standard","hentry","category-legal-alerts","tag-banking-finance-tr"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>BDDK&#039;dan \u0130zinsiz Bankac\u0131l\u0131k Faaliyetlerine M\u00fcdahale<\/title>\n<meta name=\"description\" content=\"T\u00fcrk Hukukunda Bankac\u0131l\u0131k Faaliyetleri 5411 say\u0131l\u0131 Bankac\u0131l\u0131k Kanunu (&#039;&#039;Kanun&#039;&#039;) uyar\u0131nca, (nakdi veya gayrinakdi kredi tesis etmek, mevduat kabul etmek,\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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