{"id":14683,"date":"2019-10-21T08:23:27","date_gmt":"2019-10-21T08:23:27","guid":{"rendered":"http:\/\/upt.esin.av.tr\/2019\/10\/21\/kobiler-icin-yeni-finansal-yapilandirma-cerceve-anlasmasi\/"},"modified":"2022-06-09T12:37:55","modified_gmt":"2022-06-09T12:37:55","slug":"kobiler-icin-yeni-finansal-yapilandirma-cerceve-anlasmasi","status":"publish","type":"post","link":"https:\/\/www.esin.av.tr\/tr\/2019\/10\/21\/kobiler-icin-yeni-finansal-yapilandirma-cerceve-anlasmasi\/","title":{"rendered":"KOB\u0130&#8217;ler i\u00e7in Yeni Finansal Yap\u0131land\u0131rma \u00c7er\u00e7eve Anla\u015fmas\u0131"},"content":{"rendered":"<p><strong>Yeni Geli\u015fme\u00a0\u00a0 <\/strong><\/p>\n<p>T\u00fcrkiye Bankalar Birli\u011fi, haz\u0131rlad\u0131\u011f\u0131 Finansal Yeniden Yap\u0131land\u0131rma \u00c7er\u00e7eve Anla\u015fmas\u0131&#8217;n\u0131 (&#8220;<strong>\u00d6nceki<\/strong> <strong>\u00c7er\u00e7eve Anla\u015fma<\/strong>&#8220;) b\u00fcy\u00fck \u00f6l\u00e7ekli (&#8220;<strong>B\u00fcy\u00fck \u00d6l\u00e7ekli \u00c7er\u00e7eve Anla\u015fma<\/strong>&#8220;) ve k\u00fc\u00e7\u00fck \u00f6l\u00e7ekli (&#8220;<strong>K\u00fc\u00e7\u00fck \u00d6l\u00e7ekli \u00c7er\u00e7eve Anla\u015fma<\/strong>&#8220;) bor\u00e7lular i\u00e7in iki farkl\u0131 \u00e7er\u00e7eve s\u00f6zle\u015fme olacak \u015fekilde b\u00f6lmek \u00fczere de\u011fi\u015fiklik yapt\u0131.<\/p>\n<p><strong>De\u011fi\u015fiklik ne getiriyor?<\/strong><\/p>\n<ul>\n<li>Yeni yap\u0131da, alacakl\u0131 kurulu\u015flara olan anapara (nakit+gayrinakit) finansal bor\u00e7 toplam\u0131 25 milyon TL veya daha fazla olan bor\u00e7lular\u0131n B\u00fcy\u00fck \u00d6l\u00e7ekli \u00c7er\u00e7eve Anla\u015fma, bu tutarda borcu olmayan bor\u00e7lular\u0131n ise K\u00fc\u00e7\u00fck \u00d6l\u00e7ekli \u00c7er\u00e7eve Anla\u015fma kapsam\u0131nda yeniden yap\u0131land\u0131r\u0131labilmesi \u00f6ng\u00f6r\u00fcl\u00fcyor. Bu sayede, \u00d6nceki \u00c7er\u00e7eve Anla\u015fma&#8217;dan farkl\u0131 olarak finansal bor\u00e7 tutar\u0131 fark etmeksizin t\u00fcm bor\u00e7lular yeniden yap\u0131land\u0131rma \u00e7er\u00e7eve anla\u015fmalar\u0131ndan faydalanabilecek.<\/li>\n<\/ul>\n<p><strong><u>B\u00fcy\u00fck \u00d6l\u00e7ekli \u00c7er\u00e7eve Anla\u015fma<\/u><\/strong><\/p>\n<ul>\n<li>B\u00fcy\u00fck \u00d6l\u00e7ekli \u00c7er\u00e7eve Anla\u015fma, alacakl\u0131 kurulu\u015flara olan anapara (nakit+gayrinakit) finansal bor\u00e7 toplam\u0131 25 milyon TL (anla\u015fman\u0131n \u00f6nceki halinde 100 milyon TL idi) veya daha fazla olan bor\u00e7lulara (&#8220;<strong>B\u00fcy\u00fck \u00d6l\u00e7ekli Bor\u00e7lular<\/strong>&#8220;) uygulanacak.<\/li>\n<li>Alacakl\u0131 kuru\u015flar\u0131n en az ikisinin ve alacaklar\u0131n \u00fc\u00e7te ikisini temsil eden \u00e7o\u011funlu\u011funun olumlu g\u00f6r\u00fc\u015f\u00fc ile finansal borcu 25 milyon TL\u2019den az olan bor\u00e7lular\u0131n finansal yeniden yap\u0131land\u0131rma s\u00fcrecinin B\u00fcy\u00fck \u00d6l\u00e7ekli \u00c7er\u00e7eve Anla\u015fma kapsam\u0131nda de\u011ferlendirilmesi m\u00fcmk\u00fcn olacak.<\/li>\n<li>B\u00fcy\u00fck \u00d6l\u00e7ekli Bor\u00e7lular&#8217;dan iflas\u0131na karar verilmi\u015f olanlar d\u0131\u015f\u0131nda hepsi finansal yeniden yap\u0131land\u0131rmadan yararlanabilecek. Bu kapsamda bor\u00e7luya kar\u015f\u0131 takip ba\u015flat\u0131lm\u0131\u015f olup olmamas\u0131 fark etmeyecek. Ancak, finansal yeniden yap\u0131land\u0131rma s\u00fcrecinde bor\u00e7lunun iflas\u0131na karar verilirse, bor\u00e7lu hakk\u0131nda temerr\u00fct h\u00fck\u00fcmleri uygulanacak.<\/li>\n<li>B\u00fcy\u00fck \u00d6l\u00e7ekli \u00c7er\u00e7eve Anla\u015fma, finansal yeniden yap\u0131land\u0131rma g\u00f6r\u00fc\u015fmelerinin 90 g\u00fcn i\u00e7inde tamamlanmas\u0131n\u0131 \u00f6ng\u00f6r\u00fcyor. Ancak, alacakl\u0131 kuru\u015flar\u0131n en az ikisinin ve alacaklar\u0131n \u00fc\u00e7te ikisini temsil eden \u00e7o\u011funlu\u011funun olumlu g\u00f6r\u00fc\u015f\u00fc ile bu s\u00fcreyi 90 g\u00fcn s\u00fcreyle uzatmak m\u00fcmk\u00fcn olacak.<\/li>\n<li>\u00d6nceki \u00c7er\u00e7eve Anla\u015fma&#8217;da oldu\u011fu gibi, alacakl\u0131 kurulu\u015flar\u0131n finansal yeniden yap\u0131land\u0131rma s\u00f6zle\u015fmesinin m\u00fczakere a\u015famas\u0131nda, \u00e7er\u00e7eve anla\u015fmaya taraf olmayan alacakl\u0131lar\u0131n toplam bor\u00e7 tutar\u0131 1\/4&#8217;ten fazla olanlar taraf\u0131ndan, bor\u00e7lu aleyhine yasal takip i\u015flemlerine ba\u015flan\u0131rsa ve bu durum 30 g\u00fcnl\u00fck s\u00fcre i\u00e7erisinde bertaraf edilmezse, \u00e7er\u00e7eve anla\u015fmaya taraf olan alacakl\u0131 kurulu\u015flar\u0131n toplam alacaklar\u0131n\u0131n 2\/3\u2019\u00fc ve en az ikisini temsil eden alacakl\u0131 kurulu\u015flar\u0131n m\u00fczakereleri sona erdirmeye yetkisi olacakt\u0131r.<\/li>\n<li>Ba\u015fvuruda bulunulan alacakl\u0131 kurulu\u015f, ba\u015fvurunun bankac\u0131l\u0131k team\u00fcllerine ayk\u0131r\u0131, k\u00f6t\u00fc niyetli, kabul\u00fc m\u00fcmk\u00fcn olmayan ko\u015fullar i\u00e7erdi\u011fi gibi gerek\u00e7elerle Finansal Yeniden Yap\u0131land\u0131rma (&#8220;<strong>FYY<\/strong>&#8220;) s\u00fcrecinin devam ettirilmemesi ve ba\u015fvurunun do\u011frudan reddedilmesi gerekti\u011fi kanaatindeyse; ba\u015fvuru, alacakl\u0131 kurulu\u015flar\u0131n alacak toplam\u0131n\u0131n 2\/3\u2019\u00fc ve en az ikisini temsil eden oylarla reddedilebilecek.<\/li>\n<li>B\u00fcy\u00fck \u00d6l\u00e7ekli \u00c7er\u00e7eve Anla\u015fma uyar\u0131nca \u00f6nceden herhangi bir alacakl\u0131 kurulu\u015f taraf\u0131ndan ba\u015flat\u0131lan a\u015fa\u011f\u0131daki i\u015flemler finansal yeniden yap\u0131land\u0131rma s\u00fcrecinden etkilenmeyecek:\n<ul>\n<li>Sat\u0131\u015f g\u00fcn\u00fc al\u0131nm\u0131\u015f olmas\u0131.<\/li>\n<li>\u0130halenin feshi davas\u0131n\u0131n devam ediyor olmas\u0131.<\/li>\n<li>Borcun icra taahh\u00fcd\u00fcne ba\u011flanm\u0131\u015f olmas\u0131.<\/li>\n<li>Tasarrufun iptali davas\u0131n\u0131n devam ediyor olmas\u0131.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>Bu icra i\u015flemlerine ba\u015flanmas\u0131 halinde finansal yeniden yap\u0131land\u0131rma s\u00fcrecinin devam edip etmeyece\u011fine alacak toplam\u0131n\u0131n 2\/3\u2019\u00fcn\u00fc temsil eden en az iki alacakl\u0131 kurulu\u015f ile karar verilecek.<\/p>\n<ul>\n<li>Alacakl\u0131 Kurulu\u015flar, s\u00fcre\u00e7 kapsam\u0131nda gerek birbirlerine gerek bor\u00e7lulara gerekse \u00fc\u00e7\u00fcnc\u00fc ki\u015filere ili\u015fkin olarak edinecekleri her t\u00fcrl\u00fc bilgiyi gizli tutmakla m\u00fckellef olacak.<\/li>\n<\/ul>\n<p><strong><u>K\u00fc\u00e7\u00fck \u00d6l\u00e7ekli \u00c7er\u00e7eve Anla\u015fma<\/u><\/strong><\/p>\n<ul>\n<li>Alacakl\u0131 kurulu\u015flara olan anapara (nakit+gayrinakit) finansal bor\u00e7 toplam\u0131 25 milyon TL\u2019den az olan bor\u00e7lular da finansal yeniden yap\u0131land\u0131rmaya ba\u015fvurabilecek. De\u011fi\u015fiklikten \u00f6nce, sadece finansal borcu 100 milyon TL&#8217;nin \u00fczerindeki bor\u00e7lular \u00e7er\u00e7eve anla\u015fmadan faydalanabiliyordu.<\/li>\n<li>Finansal yeniden yap\u0131land\u0131rma s\u00f6zle\u015fmesinin, alacakl\u0131 kurulu\u015flar\u0131n alacak tutar\u0131 bak\u0131m\u0131ndan \u00fc\u00e7te ikisini temsil eden en az iki alacakl\u0131 kurulu\u015f taraf\u0131ndan imzalanmas\u0131 halinde, K\u00fc\u00e7\u00fck \u00d6l\u00e7ekli \u00c7er\u00e7eve Anla\u015fma&#8217;y\u0131 imzalam\u0131\u015f olan alacakl\u0131 kurulu\u015flar\u0131n tamam\u0131 taraf\u0131ndan alacaklar\u0131n yeniden yap\u0131land\u0131r\u0131lmas\u0131 zorunlu olacak.<\/li>\n<li>K\u00fc\u00e7\u00fck \u00d6l\u00e7ekli \u00c7er\u00e7eve Anla\u015fma&#8217;y\u0131 imzalamam\u0131\u015f olan alacakl\u0131 kurulu\u015flar\u0131n, K\u00fc\u00e7\u00fck \u00d6l\u00e7ekli \u00c7er\u00e7eve Anla\u015fma&#8217;ya d\u00e2hil edilebilmeleri i\u00e7in gerekli olan yeter say\u0131s\u0131 alacakl\u0131 kurulu\u015flar konsorsiyumunun toplam alacak tutar\u0131n\u0131n en az \u00fc\u00e7te ikisini temsil eden en az iki alacakl\u0131 kurulu\u015f olacak.<\/li>\n<li>\u00d6nceki \u00c7er\u00e7eve Anla\u015fmada oldu\u011fu gibi yurt d\u0131\u015f\u0131 kredi kurulu\u015flar\u0131 ve uluslararas\u0131 kurumlar\u0131n finansal yeniden yap\u0131land\u0131rmaya bor\u00e7lu baz\u0131nda, alacakl\u0131 kurulu\u015flar\u0131n iznini almalar\u0131 gerekmeksizin d\u00e2hil olmalar\u0131 m\u00fcmk\u00fcn olacak.<\/li>\n<li>K\u00fc\u00e7\u00fck \u00d6l\u00e7ekli \u00c7er\u00e7eve Anla\u015fma bak\u0131m\u0131ndan finansal yeniden yap\u0131land\u0131rma ara\u00e7lar\u0131 (i) kredilerin vadelerinin uzat\u0131lmas\u0131, (ii) kredilerin yenilenmesi (iii) temerr\u00fct faizinden k\u0131smen veya tamamen vazge\u00e7ilmesi (iv) kredilerin ayni, nakdi ya da tahsil ko\u015fuluna ba\u011fl\u0131 bir bedel kar\u015f\u0131l\u0131\u011f\u0131nda devir veya temlik edilmesi, bor\u00e7lu ya da \u00fc\u00e7\u00fcnc\u00fc ki\u015filere ait ayni de\u011ferler kar\u015f\u0131l\u0131\u011f\u0131nda k\u0131smen veya tamamen tasfiye edilmesi, sat\u0131lmas\u0131, (v) di\u011fer alacakl\u0131 kurulu\u015flar ve alacakl\u0131larla birlikte hareket ederek protokoller yap\u0131lmas\u0131 ile s\u0131n\u0131rland\u0131r\u0131ld\u0131.<\/li>\n<li>K\u00fc\u00e7\u00fck \u00d6l\u00e7ekli \u00c7er\u00e7eve Anla\u015fma kapsam\u0131nda alacakl\u0131 kurulu\u015flar ilave kredi kulland\u0131rmaya zorlanamayacak. Ancak, istemeleri halinde finansal yeniden yap\u0131land\u0131rma s\u00f6zle\u015fmesi kapsam\u0131nda m\u00fcnferiden ilave kredi kulland\u0131rmalar\u0131 m\u00fcmk\u00fcn olacak.<\/li>\n<li>Finansal yap\u0131land\u0131rma anla\u015fmas\u0131n\u0131n imzalanmas\u0131ndan sonra, K\u00fc\u00e7\u00fck \u00d6l\u00e7ekli \u00c7er\u00e7eve Anla\u015fma&#8217;ya taraf olmayan di\u011fer alacakl\u0131lar taraf\u0131ndan ba\u015flat\u0131lm\u0131\u015f veya ba\u015flat\u0131lacak olan yasal takipler nedeniyle bor\u00e7lunun faaliyetlerine devam etme imk\u00e2n\u0131n\u0131n bulunmamas\u0131 ve s\u00f6z konusu yasal takip i\u015flemlerinin 30 g\u00fcn i\u00e7inde sonland\u0131r\u0131lamamas\u0131 halinde, finansal yeniden yap\u0131land\u0131rma s\u00f6zle\u015fmesi uyar\u0131nca bor\u00e7lunun temerr\u00fcd\u00fc h\u00fck\u00fcmleri uygulanacak.<\/li>\n<li>B\u00fcy\u00fck \u00d6l\u00e7ekli \u00c7er\u00e7eve Anla\u015fma kapsam\u0131nda finansal yeniden yap\u0131lanmadan etkilenmeyece\u011fi belirtilen yasal takip i\u015flemleri K\u00fc\u00e7\u00fck \u00d6l\u00e7ekli \u00c7er\u00e7eve Anla\u015fma kapsam\u0131nda da finansal yeniden yap\u0131land\u0131rma s\u00fcrecinden etkilenmeyecek. Ancak, bor\u00e7lunun bu i\u015flemler nedeniyle faaliyetlerini devam ettirmesi m\u00fcmk\u00fcn de\u011fil ve ilgili alacakl\u0131 kurulu\u015f da bu i\u015flemden vazge\u00e7miyor ise finansal yeniden yap\u0131land\u0131rma s\u00fcreci sona erecek.<\/li>\n<li>Alacakl\u0131 Kurulu\u015flar, yeniden yap\u0131land\u0131rma ba\u015fvurusu veya yap\u0131lan g\u00f6r\u00fc\u015fmeler de d\u00e2hil olmak \u00fczere K\u00fc\u00e7\u00fck \u00d6l\u00e7ekli \u00c7er\u00e7eve Anla\u015fma&#8217;n\u0131n uygulanmas\u0131 s\u00fcrecinde gerek birbirlerine gerek bor\u00e7lulara gerekse \u00fc\u00e7\u00fcnc\u00fc ki\u015filere ili\u015fkin olarak edinecekleri her t\u00fcrl\u00fc bilgiyi gizli bilgi olarak koruyacak.<\/li>\n<li>Yap\u0131land\u0131rma d\u00f6nemine ili\u015fkin en uzun vade 60 ay olabilir. Bu s\u00fcrede, yap\u0131land\u0131r\u0131lan kredilerin tamamen tasfiye edilmesi esast\u0131r. Ancak, toplam tutar\u0131n en fazla %25\u2019lik b\u00f6l\u00fcm\u00fcn\u00fcn, \u00f6deme plan\u0131 sonras\u0131ndaki d\u00f6neme b\u0131rak\u0131lmas\u0131 s\u00f6z konusu olabilir.<\/li>\n<li>Yap\u0131land\u0131rma kapsam\u0131nda \u00f6demesiz d\u00f6nem imk\u00e2n\u0131 bor\u00e7lulara tan\u0131nabilir. Buna g\u00f6re, maksimum 12 aya kadar anapara ve faiz \u00f6demesiz bir d\u00f6nem \u00f6ng\u00f6r\u00fclebilir.<\/li>\n<li>Taksitlerin ayl\u0131k olmas\u0131 esast\u0131r. Ancak sekt\u00f6re g\u00f6re, daha uzun taksit aral\u0131klar\u0131 belirlenebilir.<\/li>\n<li>\u00d6demesiz d\u00f6nemi takiben her y\u0131l, toplam anapara alaca\u011f\u0131n\u0131n en az %10\u2019undan az olmamak \u00fczere \u00f6deme plan\u0131 yap\u0131lmas\u0131 esast\u0131r.<\/li>\n<li>Faiz oran\u0131 sabit veya de\u011fi\u015fken olabilir. De\u011fi\u015fken olmas\u0131 halinde faiz, TL Referans Faiz Oran\u0131 esas al\u0131narak belirlenir.<\/li>\n<li>Yap\u0131land\u0131rma para birimi olarak sadece T\u00fcrk Liras\u0131 kullan\u0131labilir.<\/li>\n<li>K\u00fc\u00e7\u00fck \u00d6l\u00e7ekli \u00c7er\u00e7eve Anla\u015fma kapsam\u0131nda alaca\u011f\u0131n i\u015ftirake \u00e7evrilmesi m\u00fcmk\u00fcn de\u011fildir.<\/li>\n<li>Anapara alaca\u011f\u0131ndan vazge\u00e7ilmesi m\u00fcmk\u00fcn de\u011fildir.<\/li>\n<li>Bununla beraber, taraflar yukar\u0131daki ko\u015fullardan farkl\u0131 ko\u015fullar benimsemek isterse, \u00c7er\u00e7eve Anla\u015fma&#8217;y\u0131 imzalayan alacakl\u0131 kurulu\u015flar\u0131n alacak tutar\u0131 bak\u0131m\u0131ndan 2\/3\u2019\u00fcn\u00fcn ve en az iki alacakl\u0131 kurulu\u015fun olumlu g\u00f6r\u00fc\u015f\u00fc ile ilgili i\u015flem B\u00fcy\u00fck \u00d6l\u00e7ekli \u00c7er\u00e7eve Anla\u015fma&#8217;lara g\u00f6re yap\u0131lacakt\u0131r.<\/li>\n<\/ul>\n<p><strong><u>Finansal Yeniden Yap\u0131land\u0131rma S\u00f6zle\u015fmesi \u00d6rne\u011fi:<\/u><\/strong><\/p>\n<ul>\n<li>K\u00fc\u00e7\u00fck \u00d6l\u00e7ekli \u00c7er\u00e7eve Anla\u015fma&#8217;da ayr\u0131ca bor\u00e7lular ile imzalanacak finansal yeniden yap\u0131land\u0131rma s\u00f6zle\u015fmesinin bir \u00f6rne\u011fi (&#8220;<strong>\u00d6rnek S\u00f6zle\u015fme<\/strong>&#8220;) bulunuyor. Bu \u00f6rnek m\u00fcnferit yap\u0131land\u0131rmalarda kullan\u0131lmak \u00fczere genel bir \u00e7er\u00e7eve sunuyor ve bor\u00e7lular taraf\u0131ndan imzalanan kredi s\u00f6zle\u015fmelerinin ek olmas\u0131 \u00f6ng\u00f6r\u00fcl\u00fcyor.<\/li>\n<li>\u00d6rnek S\u00f6zle\u015fme&#8217;nin imzalanmas\u0131, mevcut bor\u00e7lar\u0131n yenilendi\u011fi, sona erdi\u011fi, ba\u015fkaca bir borcun bulunmad\u0131\u011f\u0131 veya alacakl\u0131 kurulu\u015flar\u0131n herhangi bir teminattan feragat etti\u011fi anlam\u0131na gelmemektedir.<\/li>\n<li>Temerr\u00fct halinde kredi s\u00f6zle\u015fmelerinde yer alan temerr\u00fct h\u00fck\u00fcmleri ve temerr\u00fcde ili\u015fkin faiz uygulanacak.<\/li>\n<li>Ba\u015fvuruyu Kabul Eden Alacakl\u0131 Kurulu\u015f taraf\u0131ndan istenmesi halinde bor\u00e7lunun ek teminat sa\u011flamas\u0131 gerekecek.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Yeni Geli\u015fme\u00a0\u00a0 T\u00fcrkiye Bankalar Birli\u011fi, haz\u0131rlad\u0131\u011f\u0131 Finansal Yeniden Yap\u0131land\u0131rma \u00c7er\u00e7eve Anla\u015fmas\u0131&#8217;n\u0131 (&#8220;\u00d6nceki \u00c7er\u00e7eve Anla\u015fma&#8220;) b\u00fcy\u00fck \u00f6l\u00e7ekli (&#8220;B\u00fcy\u00fck \u00d6l\u00e7ekli \u00c7er\u00e7eve Anla\u015fma&#8220;) [&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-14683","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>KOB\u0130&#039;ler i\u00e7in Yeni Finansal Yap\u0131land\u0131rma \u00c7er\u00e7eve Anla\u015fmas\u0131<\/title>\n<meta name=\"description\" content=\"Yeni Geli\u015fme\u00a0\u00a0 T\u00fcrkiye Bankalar Birli\u011fi, haz\u0131rlad\u0131\u011f\u0131 Finansal Yeniden Yap\u0131land\u0131rma \u00c7er\u00e7eve Anla\u015fmas\u0131&#039;n\u0131 (&quot;\u00d6nceki \u00c7er\u00e7eve Anla\u015fma&quot;) b\u00fcy\u00fck \u00f6l\u00e7ekli (&quot;B\u00fcy\u00fck\" \/>\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\/2019\/10\/21\/kobiler-icin-yeni-finansal-yapilandirma-cerceve-anlasmasi\/\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"KOB\u0130&#039;ler i\u00e7in Yeni Finansal Yap\u0131land\u0131rma \u00c7er\u00e7eve Anla\u015fmas\u0131\" \/>\n<meta property=\"og:description\" content=\"Yeni Geli\u015fme\u00a0\u00a0 T\u00fcrkiye Bankalar Birli\u011fi, haz\u0131rlad\u0131\u011f\u0131 Finansal Yeniden Yap\u0131land\u0131rma \u00c7er\u00e7eve Anla\u015fmas\u0131&#039;n\u0131 (&quot;\u00d6nceki \u00c7er\u00e7eve Anla\u015fma&quot;) b\u00fcy\u00fck \u00f6l\u00e7ekli (&quot;B\u00fcy\u00fck\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.esin.av.tr\/tr\/2019\/10\/21\/kobiler-icin-yeni-finansal-yapilandirma-cerceve-anlasmasi\/\" \/>\n<meta property=\"og:site_name\" content=\"Esin Avukatl\u0131k Ortakl\u0131\u011f\u0131\" \/>\n<meta property=\"article:published_time\" content=\"2019-10-21T08:23:27+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-06-09T12:37:55+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=\"8 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\/2019\/10\/21\/kobiler-icin-yeni-finansal-yapilandirma-cerceve-anlasmasi\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.esin.av.tr\/tr\/2019\/10\/21\/kobiler-icin-yeni-finansal-yapilandirma-cerceve-anlasmasi\/\"},\"author\":{\"name\":\"R\u0131dvan Konrat\",\"@id\":\"https:\/\/www.esin.av.tr\/tr\/#\/schema\/person\/42c8e616aab56b8622fa365ad63282ae\"},\"headline\":\"KOB\u0130&#8217;ler i\u00e7in Yeni Finansal Yap\u0131land\u0131rma \u00c7er\u00e7eve Anla\u015fmas\u0131\",\"datePublished\":\"2019-10-21T08:23:27+00:00\",\"dateModified\":\"2022-06-09T12:37:55+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.esin.av.tr\/tr\/2019\/10\/21\/kobiler-icin-yeni-finansal-yapilandirma-cerceve-anlasmasi\/\"},\"wordCount\":1635,\"publisher\":{\"@id\":\"https:\/\/www.esin.av.tr\/tr\/#organization\"},\"keywords\":[\"Bankac\u0131l\u0131k ve Finans\"],\"articleSection\":[\"Hukuk B\u00fcltenleri\"],\"inLanguage\":\"tr\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.esin.av.tr\/tr\/2019\/10\/21\/kobiler-icin-yeni-finansal-yapilandirma-cerceve-anlasmasi\/\",\"url\":\"https:\/\/www.esin.av.tr\/tr\/2019\/10\/21\/kobiler-icin-yeni-finansal-yapilandirma-cerceve-anlasmasi\/\",\"name\":\"KOB\u0130'ler i\u00e7in Yeni Finansal Yap\u0131land\u0131rma \u00c7er\u00e7eve Anla\u015fmas\u0131\",\"isPartOf\":{\"@id\":\"https:\/\/www.esin.av.tr\/tr\/#website\"},\"datePublished\":\"2019-10-21T08:23:27+00:00\",\"dateModified\":\"2022-06-09T12:37:55+00:00\",\"description\":\"Yeni Geli\u015fme\u00a0\u00a0 T\u00fcrkiye Bankalar Birli\u011fi, haz\u0131rlad\u0131\u011f\u0131 Finansal Yeniden Yap\u0131land\u0131rma \u00c7er\u00e7eve Anla\u015fmas\u0131'n\u0131 (\\\"\u00d6nceki \u00c7er\u00e7eve Anla\u015fma\\\") b\u00fcy\u00fck \u00f6l\u00e7ekli (\\\"B\u00fcy\u00fck\",\"breadcrumb\":{\"@id\":\"https:\/\/www.esin.av.tr\/tr\/2019\/10\/21\/kobiler-icin-yeni-finansal-yapilandirma-cerceve-anlasmasi\/#breadcrumb\"},\"inLanguage\":\"tr\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.esin.av.tr\/tr\/2019\/10\/21\/kobiler-icin-yeni-finansal-yapilandirma-cerceve-anlasmasi\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.esin.av.tr\/tr\/2019\/10\/21\/kobiler-icin-yeni-finansal-yapilandirma-cerceve-anlasmasi\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.esin.av.tr\/tr\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"KOB\u0130&#8217;ler i\u00e7in Yeni Finansal Yap\u0131land\u0131rma \u00c7er\u00e7eve Anla\u015fmas\u0131\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.esin.av.tr\/tr\/#website\",\"url\":\"https:\/\/www.esin.av.tr\/tr\/\",\"name\":\"Esin Avukatl\u0131k Ortakl\u0131\u011f\u0131\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.esin.av.tr\/tr\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.esin.av.tr\/tr\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"tr\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.esin.av.tr\/tr\/#organization\",\"name\":\"Esin Avukatl\u0131k Ortakl\u0131\u011f\u0131\",\"url\":\"https:\/\/www.esin.av.tr\/tr\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"tr\",\"@id\":\"https:\/\/www.esin.av.tr\/tr\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.esin.av.tr\/wp-content\/uploads\/2021\/09\/esin-2.jpg\",\"contentUrl\":\"https:\/\/www.esin.av.tr\/wp-content\/uploads\/2021\/09\/esin-2.jpg\",\"width\":800,\"height\":460,\"caption\":\"Esin Avukatl\u0131k Ortakl\u0131\u011f\u0131\"},\"image\":{\"@id\":\"https:\/\/www.esin.av.tr\/tr\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.esin.av.tr\/tr\/#\/schema\/person\/42c8e616aab56b8622fa365ad63282ae\",\"name\":\"R\u0131dvan Konrat\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"tr\",\"@id\":\"https:\/\/www.esin.av.tr\/tr\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/b20c6c583be38ed4e76e32f69fccc676?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/b20c6c583be38ed4e76e32f69fccc676?s=96&d=mm&r=g\",\"caption\":\"R\u0131dvan Konrat\"},\"sameAs\":[\"http:\/\/www.esin.av.tr\"],\"url\":\"https:\/\/www.esin.av.tr\/tr\/author\/rkonrat\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"KOB\u0130'ler i\u00e7in Yeni Finansal Yap\u0131land\u0131rma \u00c7er\u00e7eve Anla\u015fmas\u0131","description":"Yeni Geli\u015fme\u00a0\u00a0 T\u00fcrkiye Bankalar Birli\u011fi, haz\u0131rlad\u0131\u011f\u0131 Finansal Yeniden Yap\u0131land\u0131rma \u00c7er\u00e7eve Anla\u015fmas\u0131'n\u0131 (\"\u00d6nceki \u00c7er\u00e7eve Anla\u015fma\") b\u00fcy\u00fck \u00f6l\u00e7ekli (\"B\u00fcy\u00fck","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.esin.av.tr\/tr\/2019\/10\/21\/kobiler-icin-yeni-finansal-yapilandirma-cerceve-anlasmasi\/","og_locale":"tr_TR","og_type":"article","og_title":"KOB\u0130'ler i\u00e7in Yeni Finansal Yap\u0131land\u0131rma \u00c7er\u00e7eve Anla\u015fmas\u0131","og_description":"Yeni Geli\u015fme\u00a0\u00a0 T\u00fcrkiye Bankalar Birli\u011fi, haz\u0131rlad\u0131\u011f\u0131 Finansal Yeniden Yap\u0131land\u0131rma \u00c7er\u00e7eve Anla\u015fmas\u0131'n\u0131 (\"\u00d6nceki \u00c7er\u00e7eve Anla\u015fma\") b\u00fcy\u00fck \u00f6l\u00e7ekli (\"B\u00fcy\u00fck","og_url":"https:\/\/www.esin.av.tr\/tr\/2019\/10\/21\/kobiler-icin-yeni-finansal-yapilandirma-cerceve-anlasmasi\/","og_site_name":"Esin Avukatl\u0131k Ortakl\u0131\u011f\u0131","article_published_time":"2019-10-21T08:23:27+00:00","article_modified_time":"2022-06-09T12:37:55+00:00","author":"R\u0131dvan Konrat","twitter_card":"summary_large_image","twitter_misc":{"Written by":"R\u0131dvan Konrat","Est. reading time":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.esin.av.tr\/tr\/2019\/10\/21\/kobiler-icin-yeni-finansal-yapilandirma-cerceve-anlasmasi\/#article","isPartOf":{"@id":"https:\/\/www.esin.av.tr\/tr\/2019\/10\/21\/kobiler-icin-yeni-finansal-yapilandirma-cerceve-anlasmasi\/"},"author":{"name":"R\u0131dvan Konrat","@id":"https:\/\/www.esin.av.tr\/tr\/#\/schema\/person\/42c8e616aab56b8622fa365ad63282ae"},"headline":"KOB\u0130&#8217;ler i\u00e7in Yeni Finansal Yap\u0131land\u0131rma \u00c7er\u00e7eve Anla\u015fmas\u0131","datePublished":"2019-10-21T08:23:27+00:00","dateModified":"2022-06-09T12:37:55+00:00","mainEntityOfPage":{"@id":"https:\/\/www.esin.av.tr\/tr\/2019\/10\/21\/kobiler-icin-yeni-finansal-yapilandirma-cerceve-anlasmasi\/"},"wordCount":1635,"publisher":{"@id":"https:\/\/www.esin.av.tr\/tr\/#organization"},"keywords":["Bankac\u0131l\u0131k ve Finans"],"articleSection":["Hukuk B\u00fcltenleri"],"inLanguage":"tr"},{"@type":"WebPage","@id":"https:\/\/www.esin.av.tr\/tr\/2019\/10\/21\/kobiler-icin-yeni-finansal-yapilandirma-cerceve-anlasmasi\/","url":"https:\/\/www.esin.av.tr\/tr\/2019\/10\/21\/kobiler-icin-yeni-finansal-yapilandirma-cerceve-anlasmasi\/","name":"KOB\u0130'ler i\u00e7in Yeni Finansal Yap\u0131land\u0131rma \u00c7er\u00e7eve Anla\u015fmas\u0131","isPartOf":{"@id":"https:\/\/www.esin.av.tr\/tr\/#website"},"datePublished":"2019-10-21T08:23:27+00:00","dateModified":"2022-06-09T12:37:55+00:00","description":"Yeni Geli\u015fme\u00a0\u00a0 T\u00fcrkiye Bankalar Birli\u011fi, haz\u0131rlad\u0131\u011f\u0131 Finansal Yeniden Yap\u0131land\u0131rma \u00c7er\u00e7eve Anla\u015fmas\u0131'n\u0131 (\"\u00d6nceki \u00c7er\u00e7eve Anla\u015fma\") b\u00fcy\u00fck \u00f6l\u00e7ekli (\"B\u00fcy\u00fck","breadcrumb":{"@id":"https:\/\/www.esin.av.tr\/tr\/2019\/10\/21\/kobiler-icin-yeni-finansal-yapilandirma-cerceve-anlasmasi\/#breadcrumb"},"inLanguage":"tr","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.esin.av.tr\/tr\/2019\/10\/21\/kobiler-icin-yeni-finansal-yapilandirma-cerceve-anlasmasi\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.esin.av.tr\/tr\/2019\/10\/21\/kobiler-icin-yeni-finansal-yapilandirma-cerceve-anlasmasi\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.esin.av.tr\/tr\/"},{"@type":"ListItem","position":2,"name":"KOB\u0130&#8217;ler i\u00e7in Yeni Finansal Yap\u0131land\u0131rma \u00c7er\u00e7eve Anla\u015fmas\u0131"}]},{"@type":"WebSite","@id":"https:\/\/www.esin.av.tr\/tr\/#website","url":"https:\/\/www.esin.av.tr\/tr\/","name":"Esin Avukatl\u0131k Ortakl\u0131\u011f\u0131","description":"","publisher":{"@id":"https:\/\/www.esin.av.tr\/tr\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.esin.av.tr\/tr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"tr"},{"@type":"Organization","@id":"https:\/\/www.esin.av.tr\/tr\/#organization","name":"Esin Avukatl\u0131k Ortakl\u0131\u011f\u0131","url":"https:\/\/www.esin.av.tr\/tr\/","logo":{"@type":"ImageObject","inLanguage":"tr","@id":"https:\/\/www.esin.av.tr\/tr\/#\/schema\/logo\/image\/","url":"https:\/\/www.esin.av.tr\/wp-content\/uploads\/2021\/09\/esin-2.jpg","contentUrl":"https:\/\/www.esin.av.tr\/wp-content\/uploads\/2021\/09\/esin-2.jpg","width":800,"height":460,"caption":"Esin Avukatl\u0131k Ortakl\u0131\u011f\u0131"},"image":{"@id":"https:\/\/www.esin.av.tr\/tr\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.esin.av.tr\/tr\/#\/schema\/person\/42c8e616aab56b8622fa365ad63282ae","name":"R\u0131dvan Konrat","image":{"@type":"ImageObject","inLanguage":"tr","@id":"https:\/\/www.esin.av.tr\/tr\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/b20c6c583be38ed4e76e32f69fccc676?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/b20c6c583be38ed4e76e32f69fccc676?s=96&d=mm&r=g","caption":"R\u0131dvan Konrat"},"sameAs":["http:\/\/www.esin.av.tr"],"url":"https:\/\/www.esin.av.tr\/tr\/author\/rkonrat\/"}]}},"_links":{"self":[{"href":"https:\/\/www.esin.av.tr\/tr\/wp-json\/wp\/v2\/posts\/14683","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.esin.av.tr\/tr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.esin.av.tr\/tr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.esin.av.tr\/tr\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.esin.av.tr\/tr\/wp-json\/wp\/v2\/comments?post=14683"}],"version-history":[{"count":1,"href":"https:\/\/www.esin.av.tr\/tr\/wp-json\/wp\/v2\/posts\/14683\/revisions"}],"predecessor-version":[{"id":15538,"href":"https:\/\/www.esin.av.tr\/tr\/wp-json\/wp\/v2\/posts\/14683\/revisions\/15538"}],"wp:attachment":[{"href":"https:\/\/www.esin.av.tr\/tr\/wp-json\/wp\/v2\/media?parent=14683"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.esin.av.tr\/tr\/wp-json\/wp\/v2\/categories?post=14683"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.esin.av.tr\/tr\/wp-json\/wp\/v2\/tags?post=14683"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}