{"id":14371,"date":"2020-02-25T14:39:29","date_gmt":"2020-02-25T14:39:29","guid":{"rendered":"https:\/\/www.esin.av.tr\/?p=14371"},"modified":"2022-06-09T12:43:18","modified_gmt":"2022-06-09T12:43:18","slug":"bankacilik-mevzuati-degisiyor-25-subat-2020","status":"publish","type":"post","link":"https:\/\/www.esin.av.tr\/tr\/2020\/02\/25\/bankacilik-mevzuati-degisiyor-25-subat-2020\/","title":{"rendered":"Bankac\u0131l\u0131k Mevzuat\u0131 De\u011fi\u015fiyor &#8211; 25 \u015eubat 2020"},"content":{"rendered":"<p><strong>Yeni Geli\u015fme<\/strong><\/p>\n<p>5411 Say\u0131l\u0131 Bankac\u0131l\u0131k Kanunu (<strong>&#8220;Bankac\u0131l\u0131k Kanunu&#8221;<\/strong>), 5464 Say\u0131l\u0131 Banka Kartlar\u0131 ve Kredi Kartlar\u0131 Kanunu, 6361 Say\u0131l\u0131 Finansal Kiralama, Faktoring ve Finansman \u015eirketleri Kanunu ve 6502 Say\u0131l\u0131 T\u00fcketicinin Korunmas\u0131 Hakk\u0131nda Kanun&#8217;da de\u011fi\u015fiklik yapan kanun 25 \u015eubat 2020 tarihinde Resmi Gazete&#8217;de yay\u0131mlan\u0131p ayn\u0131 tarihte y\u00fcr\u00fcrl\u00fc\u011fe girdi.<\/p>\n<p><strong>Ne De\u011fi\u015fecek?<\/strong><\/p>\n<p><strong>\u00a0Kredi say\u0131lan i\u015flemler kapsam\u0131n\u0131n geni\u015fletilmesi<\/strong><\/p>\n<ul>\n<li>De\u011fi\u015fiklikler kapsam\u0131nda kalk\u0131nma ve yat\u0131r\u0131m bankalar\u0131 ile kat\u0131l\u0131m bankalar\u0131n\u0131n kredi say\u0131lan i\u015flemlerine Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (<strong>&#8220;BDDK&#8221;<\/strong>) taraf\u0131ndan belirlenecek di\u011fer y\u00f6ntemler eklenerek kredi say\u0131lan i\u015flemler kapsam\u0131n\u0131n geni\u015fletilmesi ve (ii) yeni finansman y\u00f6ntemlerinin olu\u015fmas\u0131 halinde, bu y\u00f6ntemlerin de kredi say\u0131labilmesi i\u00e7in BDDK&#8217;ye yetki verildi.<\/li>\n<\/ul>\n<p><strong>Risk gruplar\u0131 kapsamlar\u0131n\u0131n yeniden belirlenmesi<\/strong><\/p>\n<ul>\n<li>Bankalar\u0131n d\u00e2hil oldu\u011fu risk grubuna d\u00e2hil edilecek ki\u015filer, bunlar\u0131n e\u015f ve \u00e7ocuklar\u0131n\u0131 da i\u00e7erecek \u015fekilde yeniden belirlendi.<\/li>\n<li>T\u00fcrkiye Varl\u0131k Fonu Y\u00f6netimi Anonim \u015eirketi (<strong>&#8220;TVF A.\u015e.&#8221;<\/strong>) veya T\u00fcrkiye Varl\u0131k Fonu (<strong>&#8220;TVF&#8221;<\/strong>) ayr\u0131 bir risk grubu olu\u015fturacak.<\/li>\n<\/ul>\n<p><strong>Kredi s\u0131n\u0131rlamalar\u0131na tabi olmayan i\u015flemler kapsam\u0131na T\u00fcrkiye Varl\u0131k Fonu&#8217;nun eklenmesi<\/strong><\/p>\n<ul>\n<li>TVF A.\u015e. veya TVF ile yap\u0131lan i\u015flemler, bu kurumlarca \u00e7\u0131kar\u0131lan ya da \u00f6denmesi garanti edilen bono, tahvil ve benzeri bor\u00e7lanma ara\u00e7lar\u0131 kredi s\u0131n\u0131rlamalar\u0131na tabi olmayacak.<\/li>\n<\/ul>\n<p><strong>Kalk\u0131nma ve yat\u0131r\u0131m bankalar\u0131n\u0131n faaliyet alanlar\u0131n\u0131n geni\u015fletilmesi<\/strong><\/p>\n<ul>\n<li>Kalk\u0131nma ve yat\u0131r\u0131m bankalar\u0131n\u0131n fon sa\u011flayabilecekleri alanlar geni\u015fletiliyor ve bu alanlar\u0131n belirlenmesinde BDDK&#8217;ya daha fazla yetki veriliyor.<\/li>\n<li>Bu \u00e7er\u00e7evede (i) kat\u0131l\u0131m bankalar\u0131na ilaveten kalk\u0131nma ve yat\u0131r\u0131m bankalar\u0131 da faizsiz y\u00f6ntemlerle faaliyetlerde bulunabilecek ve bu faaliyetlere ili\u015fkin usul ve esaslar BDDK taraf\u0131ndan belirlenecek ve (ii) kat\u0131l\u0131m bankalar\u0131 ile kalk\u0131nma ve yat\u0131r\u0131m bankalar\u0131nca faizsiz finansman sa\u011flamak amac\u0131yla ger\u00e7ekle\u015ftirilen ortakl\u0131klar, ilgili bankan\u0131n risk grubunda say\u0131lmayacak.<\/li>\n<\/ul>\n<p><strong>Bankac\u0131l\u0131k sekt\u00f6r\u00fcnde g\u00f6zetim ve denetimin yo\u011funla\u015ft\u0131r\u0131lmas\u0131<\/strong><\/p>\n<ul>\n<li>S\u00f6z konusu de\u011fi\u015fiklikler kapsam\u0131nda bankalar\u0131n, BDDK&#8217;n\u0131n uygulamaya ili\u015fkin usul ve esaslar\u0131n belirlenmesinde yetkili olaca\u011f\u0131 \u015fekilde, mali b\u00fcnyelerinde ilerleyen d\u00f6nemlerde olu\u015fmas\u0131 muhtemel sorunlar ve bu durumlara ili\u015fkin al\u0131nmas\u0131 \u00f6ng\u00f6r\u00fclen \u00f6nlemlerin \u00f6nceden belirlenmesi suretiyle haz\u0131rlayacaklar\u0131 \u00f6nlem planlar\u0131n\u0131 BDDK&#8217;ya g\u00f6ndererek bu planlar\u0131 denetime haz\u0131r tutmas\u0131 sayesinde g\u00f6zetim ve denetim s\u00fcre\u00e7lerinin etkinli\u011finin art\u0131r\u0131lmas\u0131 ve karar alma ile uygulama s\u00fcre\u00e7lerinin h\u0131zland\u0131r\u0131lmas\u0131 \u00f6ng\u00f6r\u00fcl\u00fcyor. Ayr\u0131ca, yap\u0131lan denetimler sonucunda mali b\u00fcnyede bozulma yaratacak hallerin ger\u00e7ekle\u015fti\u011finin veya ger\u00e7ekle\u015fme ihtimalinin tespit edilmesi halinde \u00f6nlem planlar\u0131n\u0131n bankaca uygulanmas\u0131 beklenmeksizin gerekli tedbirlerin al\u0131nmas\u0131 konusunda BDDK yetkilendiriliyor.<\/li>\n<li>Bankalar taraf\u0131ndan, finansal piyasalarda yapay arz, talep veya d\u00f6viz kuru dahil fiyat olu\u015fumunu sa\u011flamak ama\u00e7l\u0131 i\u015flem ve uygulamalar yap\u0131lmas\u0131n\u0131n, internet ortam\u0131 dahil farkl\u0131 ara\u00e7larla ger\u00e7e\u011fe ayk\u0131r\u0131 ve yan\u0131lt\u0131c\u0131 bilgilerin yay\u0131lmas\u0131n\u0131n, tasarruf sahiplerinin ger\u00e7e\u011fe ayk\u0131r\u0131 ve yan\u0131lt\u0131c\u0131 \u015fekilde y\u00f6nlendirilmesinin veya bu amac\u0131 sa\u011flamaya y\u00f6nelik benzer i\u015flem ve uygulamalar\u0131n yap\u0131lmas\u0131n\u0131n finansal piyasalarda manip\u00fclasyon ve yan\u0131lt\u0131c\u0131 i\u015flem olarak kabul edilece\u011fi ve hangi i\u015flem ve uygulamalar\u0131n bu madde kapsam\u0131na girece\u011finin BDDK taraf\u0131ndan belirlenece\u011fi \u00f6ng\u00f6r\u00fcl\u00fcyor.<\/li>\n<\/ul>\n<p><strong>Bankac\u0131l\u0131k s\u0131rlar\u0131na ili\u015fkin koruman\u0131n art\u0131r\u0131lmas\u0131<\/strong><\/p>\n<ul>\n<li>M\u00fc\u015fteri bilgilerinin 6698 say\u0131l\u0131 Ki\u015fisel Verilerin Korunmas\u0131 Kanunu\u2019na g\u00f6re a\u00e7\u0131k r\u0131za al\u0131nm\u0131\u015f olsa dahi m\u00fc\u015fterinin kendisinden gelen aktif bir talep veya talimat olmad\u0131k\u00e7a yurt i\u00e7i ve d\u0131\u015f\u0131ndaki ger\u00e7ek ve t\u00fczel ki\u015filerle payla\u015f\u0131lamayacak ve BDDK m\u00fc\u015fteri bilgilerinin yurt d\u0131\u015f\u0131na aktar\u0131lmas\u0131 konusunda ilave k\u0131s\u0131tlamalar getirmeye yetkili olacak.<\/li>\n<\/ul>\n<p><strong>Bankac\u0131l\u0131k faaliyetleri \u00fccretlerini belirleme yetkisi<\/strong><\/p>\n<ul>\n<li>Bankalar\u0131n kredi, mevduat, d\u0131\u015f ticaret, transfer, nakit y\u00f6netimi ve kredi kart\u0131 gibi t\u00fcm faaliyetlerinden her ne ad alt\u0131nda olursa olsun ald\u0131klar\u0131 \u00fccret, masraf ve komisyonlar\u0131n belirlenmesi hususundaki yetkiler Cumhurba\u015fkan\u0131&#8217;ndan T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131&#8217;na (<strong>&#8220;TCMB&#8221;<\/strong>) devrediliyor.<\/li>\n<li>Bankalar, t\u00fcketici kredisi veren finansal kurulu\u015flar ve kart \u00e7\u0131karan kurulu\u015flar taraf\u0131ndan t\u00fcketiciye sunulan \u00fcr\u00fcn veya hizmetler kapsam\u0131nda t\u00fcketiciden faiz d\u0131\u015f\u0131nda al\u0131nacak \u00fccretlerin belirlenmesi yetkisi BDDK&#8217;dan TCMB&#8217;ye ge\u00e7iyor.<\/li>\n<li>TCMB&#8217;ye azami akdi faiz ve gecikme faizi oranlar\u0131n\u0131n a\u00e7\u0131klanmas\u0131 i\u00e7in verilen \u00fc\u00e7 ayl\u0131k s\u00fcre kald\u0131r\u0131larak TCMB&#8217;nin uygun g\u00f6rece\u011fi zaman ve aral\u0131klarla, herhangi bir s\u0131n\u0131rlama olmaks\u0131z\u0131n, belirlenmesi \u00f6ng\u00f6r\u00fcl\u00fcyor.<\/li>\n<\/ul>\n<p><strong>Bankac\u0131l\u0131k mevzuat\u0131 kapsam\u0131ndaki ceza ve \u00f6nlemlerin a\u011f\u0131rla\u015ft\u0131r\u0131lmas\u0131<\/strong><\/p>\n<ul>\n<li>Bankac\u0131l\u0131k Kanunu, Banka Kartlar\u0131 ve Kredi Kartlar\u0131 Kanunu ve Finansal Kiralama, Faktoring ve Finansman \u015eirketleri Kanunu&#8217;na tabi ki\u015filere ili\u015fkin idari para ceza tutarlar\u0131 100 kata kadar art\u0131r\u0131lm\u0131\u015ft\u0131r.<\/li>\n<\/ul>\n<p><strong>Faktoring \u015firketlerinin asgari sermaye tutarlar\u0131n\u0131n art\u0131r\u0131lmas\u0131<\/strong><\/p>\n<ul>\n<li>Faktoring \u015firketlerinin kurulu\u015funda nakden \u00f6denecek sermaye tutar\u0131 yirmi milyon T\u00fcrk Liras\u0131ndan elli milyon T\u00fcrk Liras\u0131na \u00e7\u0131kar\u0131larak, s\u00f6z konusu \u015firketlerin sermaye yap\u0131lar\u0131n\u0131n g\u00fc\u00e7lendirilmesi \u00f6ng\u00f6r\u00fcl\u00fcyor. Buna ek olarak, mevcut faktoring \u015firketlerinin asgari \u00f6denmi\u015f sermayelerini kanunun y\u00fcr\u00fcrl\u00fck tarihinden itibaren bir y\u0131l i\u00e7inde (BDDK bu s\u00fcreyi iki y\u0131l\u0131 ge\u00e7meyecek \u015fekilde uzatabilecek) elli milyon T\u00fcrk Liras\u0131na \u00e7\u0131karmalar\u0131 \u00f6ng\u00f6r\u00fcl\u00fcrken, \u00e7\u0131karmamalar\u0131 halinde faaliyet izinlerinin iptal edilmesi s\u00f6z konusu olacak.<\/li>\n<\/ul>\n<p><strong>Sonu\u00e7<\/strong><\/p>\n<p>Kanun de\u011fi\u015fiklikleri sekt\u00f6r g\u00fcvenli\u011finin sa\u011flamla\u015ft\u0131r\u0131lmas\u0131 ve de\u011fi\u015fen \u015fartlara uyum marifetiyle T\u00fcrk bankac\u0131l\u0131k mevzuat\u0131na modern bir soluk kazand\u0131rmay\u0131 sa\u011flayacak enstr\u00fcmanlar i\u00e7eriyor. B\u00f6ylelikle daha da sa\u011flamla\u015facak piyasa g\u00fcvenli\u011fi ile bankac\u0131l\u0131k piyasas\u0131n\u0131n b\u00fcy\u00fcmesi hedefleniyor.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Yeni Geli\u015fme 5411 Say\u0131l\u0131 Bankac\u0131l\u0131k Kanunu (&#8220;Bankac\u0131l\u0131k Kanunu&#8221;), 5464 Say\u0131l\u0131 Banka Kartlar\u0131 ve Kredi Kartlar\u0131 Kanunu, 6361 Say\u0131l\u0131 Finansal Kiralama, [&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-14371","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>Bankac\u0131l\u0131k Mevzuat\u0131 De\u011fi\u015fiyor - 25 \u015eubat 2020<\/title>\n<meta name=\"description\" content=\"Yeni Geli\u015fme 5411 Say\u0131l\u0131 Bankac\u0131l\u0131k Kanunu (&quot;Bankac\u0131l\u0131k Kanunu&quot;), 5464 Say\u0131l\u0131 Banka Kartlar\u0131 ve Kredi Kartlar\u0131 Kanunu, 6361 Say\u0131l\u0131 Finansal Kiralama,\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.esin.av.tr\/tr\/2020\/02\/25\/bankacilik-mevzuati-degisiyor-25-subat-2020\/\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bankac\u0131l\u0131k Mevzuat\u0131 De\u011fi\u015fiyor - 25 \u015eubat 2020\" \/>\n<meta property=\"og:description\" content=\"Yeni Geli\u015fme 5411 Say\u0131l\u0131 Bankac\u0131l\u0131k Kanunu (&quot;Bankac\u0131l\u0131k Kanunu&quot;), 5464 Say\u0131l\u0131 Banka Kartlar\u0131 ve Kredi Kartlar\u0131 Kanunu, 6361 Say\u0131l\u0131 Finansal Kiralama,\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.esin.av.tr\/tr\/2020\/02\/25\/bankacilik-mevzuati-degisiyor-25-subat-2020\/\" \/>\n<meta property=\"og:site_name\" content=\"Esin Avukatl\u0131k Ortakl\u0131\u011f\u0131\" \/>\n<meta property=\"article:published_time\" content=\"2020-02-25T14:39:29+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-06-09T12:43:18+00:00\" \/>\n<meta name=\"author\" content=\"R\u0131dvan Konrat\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"R\u0131dvan Konrat\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.esin.av.tr\/tr\/2020\/02\/25\/bankacilik-mevzuati-degisiyor-25-subat-2020\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.esin.av.tr\/tr\/2020\/02\/25\/bankacilik-mevzuati-degisiyor-25-subat-2020\/\"},\"author\":{\"name\":\"R\u0131dvan Konrat\",\"@id\":\"https:\/\/www.esin.av.tr\/tr\/#\/schema\/person\/42c8e616aab56b8622fa365ad63282ae\"},\"headline\":\"Bankac\u0131l\u0131k Mevzuat\u0131 De\u011fi\u015fiyor &#8211; 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