{"id":15377,"date":"2020-04-01T09:17:34","date_gmt":"2020-04-01T09:17:34","guid":{"rendered":"https:\/\/www.esin.av.tr\/?p=15377"},"modified":"2022-06-09T12:48:37","modified_gmt":"2022-06-09T12:48:37","slug":"covid-19-finansal-borclularin-dikkat-etmesi-gerekenler","status":"publish","type":"post","link":"https:\/\/www.esin.av.tr\/tr\/2020\/04\/01\/covid-19-finansal-borclularin-dikkat-etmesi-gerekenler\/","title":{"rendered":"COVID-19: Finansal Bor\u00e7lular\u0131n Dikkat Etmesi Gerekenler"},"content":{"rendered":"<p><strong>Giri\u015f<\/strong><\/p>\n<p>\u0130lk olarak Aral\u0131k 2019&#8217;da Wuhan, \u00c7in&#8217;de ortaya \u00e7\u0131kan COVID-19 hastal\u0131\u011f\u0131, d\u00fcnyan\u0131n bir\u00e7ok \u00fclkesine yay\u0131larak k\u0131sa bir zamanda salg\u0131n hastal\u0131k haline geldi ve 11 Mart 2020 tarihinde D\u00fcnya Sa\u011fl\u0131k \u00d6rg\u00fct\u00fc, COVID-19&#8217;u birden fazla \u00fclkede yay\u0131lan ve fazla say\u0131da insan\u0131 tehdit eden bula\u015f\u0131c\u0131 bir hastal\u0131k olarak (pandemi) ilan etti. COVID-19, t\u00fcm d\u00fcnyada oldu\u011fu gibi \u00fclkemizde de etkisini g\u00f6stermekte olup, i\u015f aleminin g\u00fcndemindeki en \u00f6nemli konu haline geldi.<\/p>\n<p>Bu b\u00fclten, COVID-19 salg\u0131n\u0131n\u0131n \u015firketlerin finansal y\u00fck\u00fcml\u00fcl\u00fckleri \u00fczerindeki muhtemel etkilerini de\u011ferlendirmelerine yard\u0131mc\u0131 olmak i\u00e7in haz\u0131rlanm\u0131\u015ft\u0131r. Bu kapsamda, finansman s\u00f6zle\u015fmelerinize ili\u015fkin olarak \u00f6zellikle a\u015fa\u011f\u0131daki \u00f6nemli noktalar\u0131 de\u011ferlendirmenizi tavsiye ederiz.<\/p>\n<p><strong>\u00d6nemli Noktalar<\/strong><\/p>\n<ul>\n<li><u>Bilgi sa\u011flama taahh\u00fctleri<\/u>: COVID-19 sebebiyle do\u011fmu\u015f olabilecek bilgi sa\u011flama y\u00fck\u00fcml\u00fcl\u00fcklerinizi (temerr\u00fct, olas\u0131 temerr\u00fct gibi) de\u011ferlendirip bu bilgileri ne kadar s\u00fcre i\u00e7inde sa\u011flaman\u0131z gerekti\u011fini belirleyiniz.<\/li>\n<li><u>Mali rasyolar\u0131n hesaplanmas\u0131<\/u>: COVID-19 sebebiyle meydana gelen \u00f6ng\u00f6r\u00fclemeyen maliyet veya zararlar\u0131n, mali rasyolar\u0131n hesaplamas\u0131nda d\u00fczeltme kalemi olarak dikkate al\u0131n\u0131p al\u0131namayaca\u011f\u0131n\u0131 de\u011ferlendiriniz. Bu kapsamda, olumsuz etkilerin mali taahh\u00fctlerinizi ne zaman etkileyece\u011fini anlayabilmek ad\u0131na FAV\u00d6K gibi temel g\u00f6stergelerin hangi tarihler itibar\u0131yla hesaplanmas\u0131 gerekti\u011fini belirlemenizi \u00f6neririz.<\/li>\n<li><u>Ek bor\u00e7lanmaya ili\u015fkin taahh\u00fctler<\/u>: K\u0131sa veya orta vadede ilave likidite gerekmesi halinde, ek bor\u00e7lanma kabiliyetinizi k\u0131s\u0131tlay\u0131c\u0131 herhangi bir y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcn varl\u0131\u011f\u0131n\u0131n kontrol\u00fc gerekmektedir. Esneklik sa\u011flayabilmek ad\u0131na \u00e7e\u015fitli yap\u0131land\u0131rma se\u00e7eneklerini de\u011ferlendiriniz.<\/li>\n<li><u>Temerr\u00fct Yoktur beyan\u0131<\/u>: &#8220;Temerr\u00fct yoktur&#8221; beyan\u0131, \u00e7o\u011funlukla bor\u00e7lunun veya ba\u011fl\u0131 ortakl\u0131klar\u0131n\u0131n taraf oldu\u011fu s\u00f6zle\u015fmeler kapsam\u0131nda (\u00e7apraz), temerr\u00fct hali olu\u015fmad\u0131\u011f\u0131na ili\u015fkin bir beyan\u0131 i\u00e7erebilmektedir. Bu beyan\u0131n verildi\u011fi ve belli tarihlerde tekrar edildi\u011finin varsay\u0131ld\u0131\u011f\u0131 durumlarda, tedarik zincirinin bozulmas\u0131 veya \u00e7al\u0131\u015fanlar\u0131n i\u015fe gelmemesine y\u00f6nelik \u00f6nlemler nedeniyle \u00f6nemli s\u00f6zle\u015fmelerinizi ihlal etmi\u015f olabilece\u011finizi ve bu durumun s\u00f6z konusu &#8220;temerr\u00fct yoktur&#8221; beyan\u0131n\u0131n ihlaline sebep olabilece\u011fini g\u00f6z \u00f6n\u00fcnde bulundurunuz.<\/li>\n<li><u>\u00d6nemli Olumsuz De\u011fi\u015fiklik<\/u>: Finansman s\u00f6zle\u015fmeleriniz kapsam\u0131nda \u00f6nemli olumsuz de\u011fi\u015fikli\u011fe ili\u015fkin bir beyan veya temerr\u00fct hali bulunmas\u0131 halinde,\u00a0 COVID-19&#8217;un mevcut etkilerinin \u00f6nemli olumsuz de\u011fi\u015fikli\u011fe yol a\u00e7\u0131p a\u00e7mad\u0131\u011f\u0131n\u0131 veya ileride yol a\u00e7\u0131p a\u00e7mayaca\u011f\u0131n\u0131 de\u011ferlendiriniz. Bu kapsamda \u00f6nemli olumsuz de\u011fi\u015fikli\u011fin ilgili s\u00f6zle\u015fmeleriniz kapsam\u0131ndaki sonu\u00e7lar\u0131n\u0131 de\u011ferlendirmenizi tavsiye ederiz.<\/li>\n<li><u>M\u00fccbir Sebep<\/u>: Finansal y\u00fck\u00fcml\u00fcl\u00fcklerin ifas\u0131n\u0131n m\u00fccbir sebeple ge\u00e7ici veya kesin olarak imkans\u0131z hale geldi\u011fini iddia etmek her ne kadar g\u00fc\u00e7 olsa da, COVID-19 salg\u0131n\u0131n\u0131n finansal y\u00fck\u00fcml\u00fcl\u00fckleriniz a\u00e7\u0131s\u0131ndan m\u00fccbir sebep te\u015fkil edip etmedi\u011fini de\u011ferlendiriniz.<\/li>\n<li><u>\u00c7apraz temerr\u00fct<\/u>: Bir finansman s\u00f6zle\u015fmenizde temerr\u00fcde d\u00fc\u015fmeniz halinde bunun di\u011fer s\u00f6zle\u015fmelerinizde temerr\u00fcde sebep verip vermeyece\u011fini de\u011ferlendiriniz.<\/li>\n<li><u>Faiz \u00f6deme y\u00fck\u00fcml\u00fcl\u00fckleri<\/u>: Vadesi yakla\u015fan faiz \u00f6deme y\u00fck\u00fcml\u00fcl\u00fckleriniz ve bunlar\u0131 ger\u00e7ekle\u015ftirmemenin sonu\u00e7lar\u0131n\u0131 de\u011ferlendiriniz.<\/li>\n<li><u>Kredi derecelendirmesinin d\u00fc\u015f\u00fcr\u00fclmesi<\/u>: \u015eirketin kredi derecelendirme notunun d\u00fc\u015f\u00fcr\u00fclmesinin yaratabilece\u011fi olumsuz sonu\u00e7lara ili\u015fkin olarak finansman s\u00f6zle\u015fmelerinizi de\u011ferlendiriniz.<\/li>\n<li><u>Yak\u0131n tarihli vadeler<\/u>: Herhangi bir finansman s\u00f6zle\u015fmeniz kapsam\u0131nda yakla\u015fan vade tarihi bulunup bulunmad\u0131\u011f\u0131n\u0131 ve bu kapsamda, refinansman veya yeniden vadelendirme ihtiyac\u0131n\u0131z bulunup bulunmad\u0131\u011f\u0131n\u0131 de\u011ferlendiriniz.<\/li>\n<li><u>Nakit ak\u0131\u015f\u0131 sorunlar\u0131<\/u>: Nakit ak\u0131\u015f\u0131na ili\u015fkin s\u0131k\u0131nt\u0131lar\u0131n\u0131z\u0131 giderebilmek veya y\u00f6netebilmek ad\u0131na \u015firketinize tahsis edilmi\u015f ve kullan\u0131labilir durumdaki kredileriniz, ek bor\u00e7lanma imk\u00e2nlar\u0131n\u0131z, tasarrufta bulunabilece\u011finiz varl\u0131klar\u0131n\u0131z, sermaye katk\u0131lar\u0131 ve di\u011fer kaynaklar\u0131 de\u011ferlendiriniz; bu i\u015flemleri ger\u00e7ekle\u015ftirmek i\u00e7in mevcut finansman s\u00f6zle\u015fmeleriniz kapsam\u0131nda izninizin olup olmad\u0131\u011f\u0131n\u0131 belirleyiniz.<\/li>\n<li><u>Erken \u00f6deme ve borcu sat\u0131n alma<\/u>: Erken \u00f6deme veya borcunuzu sat\u0131n alma yoluyla olas\u0131 bir finansal y\u00fck\u00fcml\u00fcl\u00fck ihlalinin \u00f6n\u00fcne ge\u00e7me imk\u00e2n\u0131n\u0131z\u0131n bulunup bulunmad\u0131\u011f\u0131n\u0131 de\u011ferlendiriniz. \u00d6rne\u011fin, elinizdeki nakitle do\u011fru zamanda yap\u0131lan bir g\u00f6n\u00fcll\u00fc erken \u00f6deme, faiz y\u00fck\u00fcn\u00fcz\u00fc d\u00fc\u015f\u00fcrebilir ve toplam finansman maliyetinizi sizin i\u00e7in en uygun hale getirebilir.<\/li>\n<li><u>Vade uzat\u0131m\u0131\/\u00f6demelerin ertelenmesi\/taahh\u00fctlerin yeniden belirlenmesi<\/u>: COVID-19\u2019un mali sonu\u00e7lar\u0131n\u0131n ciddi olmas\u0131 durumunda, vade uzat\u0131lmas\u0131, \u00f6demelerin ertelenmesi veya mevcut taahh\u00fctlerin yeniden belirlenmesi i\u00e7in finansman s\u00f6zle\u015fmelerinin tadil edilmesi gerekebilecektir. Bu de\u011fi\u015fiklikler, alacakl\u0131lar\u0131n onay\u0131 ve baz\u0131 durumlarda onay\/tadil \u00fccreti al\u0131nmas\u0131n\u0131 gerektirecektir. \u00c7ok kredit\u00f6rl\u00fc s\u00f6zle\u015fmelerde basit de\u011fi\u015fiklikler, genellikle %50 veya %66&#8217;dan fazla veya benzeri \u00e7o\u011funluklar ile kararla\u015ft\u0131r\u0131labilmektedir. Bununla birlikte, vade uzat\u0131m\u0131 veya \u00f6demesiz s\u00fcreleri i\u00e7eren geri \u00f6deme tarihlerinde de\u011fi\u015fiklik gibi yap\u0131sal de\u011fi\u015fiklikler daha y\u00fcksek e\u015fikler ve hatta t\u00fcm kredi verenlerin iznini gerektirebilecektir. Keza, finansal yeniden yap\u0131land\u0131rma \u00e7er\u00e7eve anla\u015fmas\u0131 kapsam\u0131nda yap\u0131lacak yap\u0131land\u0131rma i\u015flemleri i\u00e7in nisaplar %66.6&#8217;dan ba\u015flamaktad\u0131r.<\/li>\n<\/ul>\n<p><strong>Sonu\u00e7<\/strong><\/p>\n<p>Finansal s\u00f6zle\u015fmelerde yer alan finansal ve di\u011fer taahh\u00fctler, maalesef, bug\u00fcnlerde daha b\u00fcy\u00fck \u00f6nem kazanmaktad\u0131r. Finans y\u00f6neticilerinin, finansal s\u00f6zle\u015fmelerini yukar\u0131da yer alan noktalar \u0131\u015f\u0131\u011f\u0131nda incelemeleri, erken te\u015fhis ve m\u00fcdahale i\u00e7in kendilerine \u00f6nemli bir imk\u00e2n tan\u0131yacak ve bu sayede bu zorlu d\u00f6nemin daha az hasarla atlat\u0131lmas\u0131na yard\u0131mc\u0131 olacakt\u0131r.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Giri\u015f \u0130lk olarak Aral\u0131k 2019&#8217;da Wuhan, \u00c7in&#8217;de ortaya \u00e7\u0131kan COVID-19 hastal\u0131\u011f\u0131, d\u00fcnyan\u0131n bir\u00e7ok \u00fclkesine yay\u0131larak k\u0131sa bir zamanda salg\u0131n hastal\u0131k [&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":[120,149],"tags":[90],"class_list":["post-15377","post","type-post","status-publish","format-standard","hentry","category-legal-alerts","category-covid-19-tr","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>COVID-19: Finansal Bor\u00e7lular\u0131n Dikkat Etmesi Gerekenler<\/title>\n<meta name=\"description\" content=\"Giri\u015f \u0130lk olarak Aral\u0131k 2019&#039;da Wuhan, \u00c7in&#039;de ortaya \u00e7\u0131kan COVID-19 hastal\u0131\u011f\u0131, d\u00fcnyan\u0131n bir\u00e7ok \u00fclkesine yay\u0131larak k\u0131sa bir zamanda salg\u0131n hastal\u0131k haline\" \/>\n<meta name=\"robots\" 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