{"id":16052,"date":"2020-04-21T07:28:16","date_gmt":"2020-04-21T07:28:16","guid":{"rendered":"https:\/\/www.esin.av.tr\/?p=16052"},"modified":"2022-06-09T13:01:17","modified_gmt":"2022-06-09T13:01:17","slug":"covid-19-bankalar-kredi-kullandirmaya-tesvik-ediliyor","status":"publish","type":"post","link":"https:\/\/www.esin.av.tr\/tr\/2020\/04\/21\/covid-19-bankalar-kredi-kullandirmaya-tesvik-ediliyor\/","title":{"rendered":"COVID-19: Bankalar Kredi Kulland\u0131rmaya Te\u015fvik Ediliyor"},"content":{"rendered":"<p><strong>Yeni Geli\u015fme<\/strong><\/p>\n<p>Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumunun (&#8221;<strong>BDDK<\/strong>&#8221;) 18 Nisan 2020 tarihli ve 9000 say\u0131l\u0131 karar\u0131 uyar\u0131nca 1 May\u0131s 2020 tarihinden ba\u015flamak \u00fczere bankalar\u0131n karardaki form\u00fcl\u00fc kullanarak haftal\u0131k bazda &#8221;aktif rasyosu&#8221; (&#8221;<strong>AR<\/strong>&#8221;) hesaplamas\u0131 gerekecek.<\/p>\n<p><strong>Karar Ne Getiriyor?<\/strong><\/p>\n<ul>\n<li>Karar uyar\u0131nca bankalar, AR&#8217;lar\u0131n\u0131 haftal\u0131k bazda a\u015fa\u011f\u0131daki form\u00fcle g\u00f6re hesaplayacak:<\/li>\n<\/ul>\n<p>Aktif Rasyosu (AR) = [Krediler + (Menkul K\u0131ymetler x 0,75 ) + ( TCMB Swap x 0,5 )] \/ [TL Mevduat + ( YP Mevduat x 1,25 )]<\/p>\n<ul>\n<li>AR form\u00fcl\u00fcn\u00fcn pay k\u0131sm\u0131nda yer verilen:\n<ul>\n<li>&#8221;<strong>Krediler<\/strong>\u201d kalemi, takipteki krediler hari\u00e7 bankalar\u0131n bireysel ve ticari m\u00fc\u015fterilere kulland\u0131rd\u0131klar\u0131 krediler tutar\u0131n\u0131n toplam\u0131n\u0131,<\/li>\n<li>\u201c<strong>Menkul K\u0131ymetler<\/strong>\u201d kalemi, bankalarca sat\u0131n al\u0131nan yurt d\u0131\u015f\u0131 yerle\u015fiklerce ihra\u00e7 edilmi\u015f menkul k\u0131ymetler ve hisse senetleri hari\u00e7 \u00f6zel sekt\u00f6r tahvil ve bonolar\u0131 ile T\u00fcrkiye Cumhuriyeti hazinesinin ihra\u00e7 etti\u011fi her t\u00fcrl\u00fc bor\u00e7lanma ara\u00e7lar\u0131, kira sertifikalar\u0131 ve Eurobondlar\u0131n toplam de\u011ferini,<\/li>\n<li>&#8221;<strong>TCMB Swap<\/strong>\u201d kalemi, bankalar\u0131n T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131na (&#8221;<strong>TCMB<\/strong>&#8221;) swap yoluyla verdikleri yabanc\u0131 paran\u0131n TCMB al\u0131\u015f kurundan hesap edilen T\u00fcrk Liras\u0131 (&#8221;<strong>TL<\/strong>&#8221;) cinsinden toplam de\u011ferini<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>ifade etmektedir.<\/p>\n<ul>\n<li>AR\u2019\u0131n payda k\u0131sm\u0131nda yer verilen:\n<ul>\n<li>\u201c<strong>TL Mevduat<\/strong>\u201d kalemi, bankalar mevduat\u0131 hari\u00e7 t\u00fcm TL cinsi mevduat\/kat\u0131l\u0131m fonu tutar\u0131 toplam\u0131n\u0131,<\/li>\n<li>\u201c<strong>YP Mevduat<\/strong>\u201d kalemi, alt\u0131n ve k\u0131ymetli maden hesaplar\u0131 da d\u00e2hil olmak \u00fczere, bankalarda tutulan yabanc\u0131 para (&#8221;<strong>YP<\/strong>&#8221;) cinsinden mevduat\/kat\u0131l\u0131m fonu tutar\u0131 toplam\u0131n\u0131<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>ifade etmektedir.<\/p>\n<ul>\n<li>Karar uyar\u0131nca, AR&#8217;nin ilgili aya ili\u015fkin ayl\u0131k ortalamas\u0131 mevduat bankalar\u0131 i\u00e7in %100&#8217;\u00fcn, kat\u0131l\u0131m bankalar\u0131 i\u00e7in %80&#8217;in alt\u0131na d\u00fc\u015femeyecektir.<\/li>\n<li>AR de\u011feri yukar\u0131daki oran\u0131n alt\u0131nda olan bankalar, karar h\u00fck\u00fcmleri uyar\u0131nca hesaplanacak ayk\u0131r\u0131l\u0131k tutar\u0131n\u0131n %5&#8217;ine kadar idari para cezas\u0131na maruz kalabilecektir.<\/li>\n<\/ul>\n<p><strong>Sonu\u00e7<\/strong><\/p>\n<p>BDDK bu karar\u0131 ile COVID-19 salg\u0131n\u0131n ekonomik etkilerini en aza indirmek amac\u0131yla reel sekt\u00f6re finansman kayna\u011f\u0131 sa\u011flanmas\u0131n\u0131 ama\u00e7l\u0131yor. Bu kapsamda, BDDK bir yandan bankalar\u0131 COVID-19 ile m\u00fccadelede daha aktif bir rol almaya davet ederken, bir yandan da idari yapt\u0131r\u0131m \u00f6ng\u00f6rerek finansman deste\u011fi mekanizmas\u0131n\u0131n i\u015flerli\u011fini sa\u011flamay\u0131 ama\u00e7l\u0131yor.<\/p>\n<p><strong>COVID-19 salg\u0131n\u0131 ile ilgili hukuki d\u00fczenlemelerle ilgili bilgilere <u><a href=\"https:\/\/urldefense.com\/v3\/__https:\/esinxchange.com\/collect\/click.aspx?u=ZE9tY0p0YUNLTmt4TkhVeXF4UFNPUkgwV2ZmSlhhY2JReVpjY0xNbldLYmFoVllNV25zRHUzZnVhd0dTQS9sWGZKSHM4a0Rqc3R4V2d2Ym1FcmJpNVFCbWtmU05kTU5j&amp;rh=ff005f13e061a310c0e56622ef41bd806c46eb5c__;!!Hj9Y_P0nvg!AsO5e9VQh8Zoqx5O5JiylnO7xIep-89L7TO3OWYTi_MUr391q6BB5z8Xdqj7jUAaxerrcw$\">Esin Avukatl\u0131k Ortakl\u0131\u011f\u0131 Coronavir\u00fcs Masas\u0131<\/a><\/u>&#8216;ndan ula\u015fabilirsiniz.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Yeni Geli\u015fme Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumunun (&#8221;BDDK&#8221;) 18 Nisan 2020 tarihli ve 9000 say\u0131l\u0131 karar\u0131 uyar\u0131nca 1 May\u0131s 2020 [&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-16052","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: Bankalar Kredi Kulland\u0131rmaya Te\u015fvik Ediliyor<\/title>\n<meta name=\"description\" content=\"Yeni Geli\u015fme Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumunun (&#039;&#039;BDDK&#039;&#039;) 18 Nisan 2020 tarihli ve 9000 say\u0131l\u0131 karar\u0131 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