{"id":14665,"date":"2017-09-28T07:22:11","date_gmt":"2017-09-28T07:22:11","guid":{"rendered":"http:\/\/upt.esin.av.tr\/2017\/09\/28\/katilim-tekaful-sigortaciligi-detaylari-aciklandi\/"},"modified":"2022-06-09T12:08:40","modified_gmt":"2022-06-09T12:08:40","slug":"katilim-tekaful-sigortaciligi-detaylari-aciklandi","status":"publish","type":"post","link":"https:\/\/www.esin.av.tr\/tr\/2017\/09\/28\/katilim-tekaful-sigortaciligi-detaylari-aciklandi\/","title":{"rendered":"Kat\u0131l\u0131m (Tekaf\u00fcl) Sigortac\u0131l\u0131\u011f\u0131 Detaylar\u0131 A\u00e7\u0131kland\u0131"},"content":{"rendered":"<p><strong>Yeni Geli\u015fmeler<\/strong><\/p>\n<p><a href=\"http:\/\/bakerxchange.com\/collect\/click.aspx?u=jRYOrR8N39SQYHlrgvYYJIDKc59GPaipFXxTQis6MsaK5STw6o43xeOVx3FOueQ9cdlkdRrtvC8l4Hnt48EpvUH8Xch8nWPMJgp5WsJ8GW41DT\/9ruBUrg==&amp;rh=ff0033c1caf41338c93b133dec47aff54a59a2b3\">Yay\u0131mlad\u0131\u011f\u0131m\u0131z son mevzuat de\u011fi\u015fikli\u011fi b\u00fcltenimizde<\/a> kat\u0131l\u0131m sigortac\u0131l\u0131\u011f\u0131na (<em>tekaf\u00fcl<\/em>) \u00a0ili\u015fkin kanuni d\u00fczenlemelerle ilgili sona yakla\u015f\u0131ld\u0131\u011f\u0131n\u0131 belirtmi\u015ftik.<br \/>\nDaha \u00f6nce 5684 say\u0131l\u0131 Sigortac\u0131l\u0131k Kanunu&#8217;nda (<strong>&#8220;Kanun&#8221;<\/strong>) d\u00fczenlenmeyen kat\u0131l\u0131m sigortac\u0131l\u0131\u011f\u0131 modeli, Kanun&#8217;un Ek-1 maddesi uyar\u0131nca Hazine M\u00fcste\u015farl\u0131\u011f\u0131&#8217;n\u0131n \u00e7\u0131kard\u0131\u011f\u0131 Kat\u0131l\u0131m Sigortac\u0131l\u0131\u011f\u0131 \u00c7al\u0131\u015fma Usul ve Esaslar\u0131 Hakk\u0131nda Y\u00f6netmelik (<strong>&#8220;Y\u00f6netmelik&#8221;<\/strong>) ile d\u00fczenlendi. Y\u00f6netmelik, 20 Eyl\u00fcl 2017 tarihli ve 30186 say\u0131l\u0131 Resmi Gazete&#8217;de yay\u0131mlanm\u0131\u015f olup, yay\u0131m tarihinden \u00fc\u00e7 ay sonra y\u00fcr\u00fcrl\u00fc\u011fe girecek.<\/p>\n<p><strong>De\u011fi\u015fiklik ne getiriyor?<\/strong><\/p>\n<p>Kat\u0131l\u0131m sigortac\u0131l\u0131k alan\u0131nda faaliyet g\u00f6stermek isteyen sigorta \u015firketlerinin a\u015fa\u011f\u0131daki hususlara dikkat etmeleri gerekecek.<\/p>\n<ul>\n<li>Sigorta \u015firketleri (<strong>&#8220;\u015eirketler&#8221;<\/strong>), kat\u0131l\u0131mc\u0131lar\u0131n \u00f6dedi\u011fi katk\u0131 primleri ile buna ili\u015fkin gelirlerin biriktirilmesi ve tazminat ve\/veya birikim \u00f6demeleri ile yasal y\u00fck\u00fcml\u00fcl\u00fckler de d\u00e2hil olmak \u00fczere yap\u0131lan harcama ve giderlerin kar\u015f\u0131lanmas\u0131 i\u00e7in bir risk fonu (&#8220;<strong>Fon<\/strong>&#8220;) olu\u015fturacak.<\/li>\n<li>\u015eirketler, faaliyetlerinin faizsiz sigortac\u0131l\u0131k ve bankac\u0131l\u0131k ilkelerine uygunlu\u011funun sa\u011flanmas\u0131 ve takibi amac\u0131yla, \u015firket y\u00f6netim kuruluna ba\u011fl\u0131 olarak faaliyet g\u00f6sterecek ve ba\u011f\u0131ms\u0131z \u015fekilde karar alacak bir Dan\u0131\u015fma Komitesi (<strong>&#8220;Komite&#8221;<\/strong>) olu\u015fturacak veya bu hizmeti d\u0131\u015far\u0131dan hizmet al\u0131m\u0131 ile y\u00fcr\u00fctecek.<\/li>\n<li>\u015eirketler&#8217;in Fon&#8217;un risklerini y\u00f6netmek maksad\u0131yla reas\u00fcrans ve\/veya kat\u0131l\u0131m reas\u00fcrans korumas\u0131 sat\u0131n almalar\u0131 durumunda, buna ili\u015fkin Komite&#8217;nin onay\u0131n\u0131n al\u0131nmas\u0131 ve kat\u0131l\u0131mc\u0131lar\u0131n bu hususta bilgilendirilmesi gerekecek.<\/li>\n<li>\u015eirketler, Y\u00f6netmelik&#8217;te belirtilen y\u00f6netim modellerine (mudarebe, vekalet ve\/veya hibrit vs.) veya Komite taraf\u0131ndan onaylanan ba\u015fka bir y\u00f6netim modeline uygun olarak faaliyette bulunabilecek ve hangi y\u00f6netim modelinin uygulanaca\u011f\u0131n\u0131 sigorta s\u00f6zle\u015fmesinde a\u00e7\u0131k\u00e7a belirtecek.<\/li>\n<li>\u015eirketler, fonlar\u0131n\u0131 y\u00f6nlendirdikleri yat\u0131r\u0131m ara\u00e7lar\u0131n\u0131n durumuna, tutar\u0131na ve getiri sonu\u00e7lar\u0131na ili\u015fkin bilgileri y\u0131ll\u0131k faaliyet raporlar\u0131nda yay\u0131nlayacakt\u0131r.<\/li>\n<li>Fon y\u00f6neticisi olan \u015eirketler, kat\u0131l\u0131m sigortac\u0131l\u0131\u011f\u0131 alan\u0131nda sunduklar\u0131 her bir \u00fcr\u00fcn\u00fcn her bir riske y\u00f6nelik olarak do\u011fru fiyatland\u0131r\u0131lmas\u0131n\u0131 sa\u011flamakla y\u00fck\u00fcml\u00fc olacakt\u0131r.\u00a0 Fon, yasal ve idari y\u00fck\u00fcml\u00fcl\u00fcklerini yerine getirmekte yetersiz kal\u0131r ve reas\u00fcrans ve kat\u0131l\u0131m reas\u00fcrans\u0131 korumalar\u0131 yetmezse, \u015eirketlerin ya\u015fanan a\u00e7\u0131\u011f\u0131 likidite imkan\u0131 yoluyla kapatmalar\u0131 gerekecek. Bu imk\u00e2n kar\u015f\u0131l\u0131\u011f\u0131nda geri al\u0131nacak tutar, internet sitelerinde duyurulacak.<\/li>\n<li>\u015eirketler, kat\u0131l\u0131mc\u0131lar\u0131n katk\u0131lar\u0131ndan olu\u015fan Fon ile sermayedarlar\u0131n\u0131n fonunu ayr\u0131 y\u00f6netecekler.<\/li>\n<li>Sigorta faaliyetleri ile ilgili b\u00fct\u00fcn masraf ve komisyonlar kat\u0131l\u0131mc\u0131lar ad\u0131na \u015eirketler taraf\u0131ndan Fon \u00fczerinden kar\u015f\u0131lanacak ve \u015eirketler, Fon&#8217;un gelir ve harcama kalemlerini y\u0131ll\u0131k d\u00f6nemler itibariyle internet sitesinde duyuracak.<\/li>\n<li>\u015eirketler, her d\u00f6nem sonunda kat\u0131l\u0131m ilkelerine uygun olarak bakiye hesaplamas\u0131 yapacak ve Fon&#8217;da olu\u015fan a\u00e7\u0131k veya fazlay\u0131 internet sitelerinde duyuracak. Bakiye fazlas\u0131 olmas\u0131 durumunda bu bakiyenin;\n<ul>\n<li>katk\u0131 primlerinin d\u00fc\u015f\u00fcr\u00fclmesi i\u00e7in kullan\u0131lmas\u0131,<\/li>\n<li>gelecekteki \u00f6ng\u00f6r\u00fclemeyen riskler i\u00e7in ihtiyat fonunun ayr\u0131lmas\u0131,<\/li>\n<li>tamamen ya da k\u0131smen kat\u0131l\u0131mc\u0131lar aras\u0131nda payla\u015ft\u0131r\u0131lmas\u0131 m\u00fcmk\u00fcnd\u00fcr.<\/li>\n<\/ul>\n<\/li>\n<li>\u0130htiyat fonu ayr\u0131lmas\u0131 durumunda, bu fon hi\u00e7bir surette \u015eirketler&#8217;in sermayedarlar\u0131na\/\u00fcyelerine kar pay\u0131 olarak da\u011f\u0131t\u0131lamayacak ve da\u011f\u0131t\u0131labilir bakiye hesab\u0131nda dikkate al\u0131nmayacakt\u0131r.<\/li>\n<\/ul>\n<p><strong>Sonu\u00e7<\/strong><\/p>\n<p>Son y\u0131llarda faizsiz bankac\u0131l\u0131\u011f\u0131n y\u00fckseli\u015fine paralel olarak, faizsiz sigortac\u0131l\u0131\u011fa talep giderek artmaktayd\u0131. Birka\u00e7 sigorta \u015firketi bu alanda faaliyet g\u00f6stermekte idiyse bile, faizsiz sigortac\u0131l\u0131k genel olarak d\u00fczenlenmemi\u015f bir alan te\u015fkil etmekteydi. Y\u00f6netmeli\u011fin s\u00f6z konusu talebi cevaplayaca\u011f\u0131 ve faizsiz sigortac\u0131l\u0131\u011f\u0131n yo\u011fun bir \u015fekilde ger\u00e7ekle\u015ftirildi\u011fi \u00fclkelerde yat\u0131r\u0131mc\u0131lar\u0131 T\u00fcrkiye&#8217;ye \u00e7ekerek, sigortac\u0131l\u0131k alan\u0131nda yat\u0131r\u0131mc\u0131 \u00e7e\u015fitlili\u011fi sa\u011flayaca\u011f\u0131 tahmin edilmektedir.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Yeni Geli\u015fmeler Yay\u0131mlad\u0131\u011f\u0131m\u0131z son mevzuat de\u011fi\u015fikli\u011fi b\u00fcltenimizde kat\u0131l\u0131m sigortac\u0131l\u0131\u011f\u0131na (tekaf\u00fcl) \u00a0ili\u015fkin kanuni d\u00fczenlemelerle ilgili sona yakla\u015f\u0131ld\u0131\u011f\u0131n\u0131 belirtmi\u015ftik. Daha \u00f6nce 5684 [&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-14665","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>Kat\u0131l\u0131m (Tekaf\u00fcl) Sigortac\u0131l\u0131\u011f\u0131 Detaylar\u0131 A\u00e7\u0131kland\u0131<\/title>\n<meta name=\"description\" content=\"Yeni Geli\u015fmeler Yay\u0131mlad\u0131\u011f\u0131m\u0131z son mevzuat de\u011fi\u015fikli\u011fi b\u00fcltenimizde kat\u0131l\u0131m sigortac\u0131l\u0131\u011f\u0131na (tekaf\u00fcl) \u00a0ili\u015fkin kanuni d\u00fczenlemelerle ilgili sona\" 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