{"id":14697,"date":"2019-08-26T13:13:06","date_gmt":"2019-08-26T13:13:06","guid":{"rendered":"http:\/\/upt.esin.av.tr\/2019\/08\/26\/zorunlu-karsilik-oranlari-degisti\/"},"modified":"2022-06-09T12:35:20","modified_gmt":"2022-06-09T12:35:20","slug":"zorunlu-karsilik-oranlari-degisti","status":"publish","type":"post","link":"https:\/\/www.esin.av.tr\/tr\/2019\/08\/26\/zorunlu-karsilik-oranlari-degisti\/","title":{"rendered":"Zorunlu Kar\u015f\u0131l\u0131k Oranlar\u0131 De\u011fi\u015fti"},"content":{"rendered":"<p><strong>Yeni Geli\u015fme<\/strong><\/p>\n<p>T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (&#8220;<strong>Merkez Bankas\u0131<\/strong>&#8220;), 2013\/15 say\u0131l\u0131 Zorunlu Kar\u015f\u0131l\u0131klar Hakk\u0131nda Tebli\u011f&#8217;de de\u011fi\u015fiklik (&#8220;<strong>De\u011fi\u015fiklik<\/strong>&#8220;) yapt\u0131. De\u011fi\u015fiklik, 20 A\u011fustos 2019 tarih ve 30864 say\u0131l\u0131 Resmi Gazete&#8217;de yay\u0131mlanarak 9 A\u011fustos 2019 tarihinden itibaren ge\u00e7erli olmak \u00fczere y\u00fcr\u00fcrl\u00fc\u011fe girdi.<\/p>\n<p><strong>De\u011fi\u015fiklik ne getiriyor?<\/strong><\/p>\n<ul>\n<li>Belirli bir oranda kredi b\u00fcy\u00fcmesine sahip bankalar i\u00e7in baz\u0131 zorunlu kar\u015f\u0131l\u0131k oranlar\u0131nda azaltmaya gidildi. Bu do\u011frultuda, T\u00fcrk liras\u0131 cinsi standart nitelikli ve yak\u0131n izlemedeki nakdi kredileri toplam\u0131n\u0131n y\u0131ll\u0131k b\u00fcy\u00fcme oran\u0131 %10 ile %20 aras\u0131nda olan bankalar, t\u00fcm vade dilimlerinde (1 y\u0131l ve 1 y\u0131ldan uzun vadeli mevduat\/kat\u0131l\u0131m fonu ve 3 y\u0131ldan uzun vadeli di\u011fer y\u00fck\u00fcml\u00fcl\u00fckler hari\u00e7) %2 oran\u0131nda zorunlu kar\u015f\u0131l\u0131k ay\u0131racak.<\/li>\n<li>Kredi b\u00fcy\u00fcme oran\u0131 bu limitler aras\u0131nda olan bankalar, kar\u015f\u0131l\u0131k oran\u0131 hesaplama d\u00f6nemini izleyen ilk zorunlu kar\u015f\u0131l\u0131k d\u00f6neminden ba\u015flayarak alt\u0131 zorunlu kar\u015f\u0131l\u0131k d\u00f6nemi boyunca %2 oran\u0131n\u0131 uygulayacak. Ancak bu d\u00f6nem i\u00e7inde zorunlu kar\u015f\u0131l\u0131k oranlar\u0131n\u0131n de\u011fi\u015fmesi durumunda, kalan d\u00f6nemlerde yeni belirlenen oranlar uygulanacak.<\/li>\n<li>Bu kredi b\u00fcy\u00fcmesini tutturamayan bankalar, \u00f6nceki oranlarda zorunlu kar\u015f\u0131l\u0131k ay\u0131rmaya devam edecek.<\/li>\n<li>Kredi b\u00fcy\u00fcme oran\u0131 hesaplamas\u0131nda d\u00f6vize endeksli krediler ile bankalara kulland\u0131r\u0131lan krediler dikkate al\u0131nmayacak.<\/li>\n<li>Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu&#8217;ndan faaliyet izni alarak faaliyete yeni ba\u015flayan bankalar, faaliyet ba\u015flang\u0131\u00e7 tarihlerinden itibaren 2 y\u0131l s\u00fcreyle ay\u0131rmalar\u0131 gereken zorunlu kar\u015f\u0131l\u0131klar bak\u0131m\u0131ndan %2&#8217;lik orandan faydalanamayacak.<\/li>\n<li>Bankalar, nakdi kredi b\u00fcy\u00fcme oranlar\u0131n\u0131, zorunlu kar\u015f\u0131l\u0131k y\u00fck\u00fcml\u00fcl\u00fck bildirim cetvelinin g\u00f6nderim s\u00fcresi bitimine kadar Merkez Bankas\u0131&#8217;na bildirecek.<\/li>\n<\/ul>\n<p><strong>Sonu\u00e7<\/strong><\/p>\n<p>De\u011fi\u015fiklik, bankalar\u0131n T\u00fcrk liras\u0131 cinsinden kredi teminini te\u015fvik ederek piyasadaki likiditeyi art\u0131rmay\u0131 ama\u00e7l\u0131yor.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Yeni Geli\u015fme T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (&#8220;Merkez Bankas\u0131&#8220;), 2013\/15 say\u0131l\u0131 Zorunlu Kar\u015f\u0131l\u0131klar Hakk\u0131nda Tebli\u011f&#8217;de de\u011fi\u015fiklik (&#8220;De\u011fi\u015fiklik&#8220;) yapt\u0131. De\u011fi\u015fiklik, 20 A\u011fustos [&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-14697","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>Zorunlu Kar\u015f\u0131l\u0131k Oranlar\u0131 De\u011fi\u015fti<\/title>\n<meta name=\"description\" content=\"Yeni Geli\u015fme T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (&quot;Merkez Bankas\u0131&quot;), 2013\/15 say\u0131l\u0131 Zorunlu Kar\u015f\u0131l\u0131klar Hakk\u0131nda Tebli\u011f&#039;de de\u011fi\u015fiklik (&quot;De\u011fi\u015fiklik&quot;) yapt\u0131.\" \/>\n<meta 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