{"id":16578,"date":"2020-06-29T13:39:42","date_gmt":"2020-06-29T13:39:42","guid":{"rendered":"https:\/\/www.esin.av.tr\/?p=16578"},"modified":"2022-06-09T13:06:00","modified_gmt":"2022-06-09T13:06:00","slug":"finansal-islemlerde-elektronik-sozlesme-devri-basladi","status":"publish","type":"post","link":"https:\/\/www.esin.av.tr\/tr\/2020\/06\/29\/finansal-islemlerde-elektronik-sozlesme-devri-basladi\/","title":{"rendered":"Finansal \u0130\u015flemlerde Elektronik S\u00f6zle\u015fme Devri Ba\u015flad\u0131"},"content":{"rendered":"<p><strong>Yeni Geli\u015fme<\/strong><\/p>\n<p>7247 say\u0131l\u0131 Baz\u0131 Kanun ve Kanun H\u00fckm\u00fcnde Kararnamelerde De\u011fi\u015fiklik Yap\u0131lmas\u0131 Hakk\u0131nda Kanun (&#8220;<strong>De\u011fi\u015fiklik<\/strong>&#8220;), 26 Haziran 2020 tarih ve 31167 say\u0131l\u0131 Resmi Gazete&#8217;de yay\u0131mlanarak y\u00fcr\u00fcrl\u00fc\u011fe girdi.<br \/>\nDe\u011fi\u015fiklik; bankalar, kart \u00e7\u0131karan kurulu\u015flar ile finansal kiralama, faktoring ve finansman \u015firketlerinin m\u00fc\u015fterileri ile elektronik s\u00f6zle\u015fme akdedilmesi d\u00e2hil pek \u00e7ok de\u011fi\u015fiklik getirmektedir.<\/p>\n<p><strong>De\u011fi\u015fiklik ne getiriyor?<\/strong><\/p>\n<p><em>Bankac\u0131l\u0131k Kanunu<\/em><\/p>\n<p>De\u011fi\u015fiklik ile Bankac\u0131l\u0131k Kanunu&#8217;nun (&#8220;<strong>Bankac\u0131l\u0131k Kanunu<\/strong>&#8220;) m\u00fc\u015fteri haklar\u0131n\u0131 d\u00fczenleyen 76. maddesi tadil edildi. De\u011fi\u015fiklikten \u00f6nce, bankalar ile bireysel m\u00fc\u015fteriler aras\u0131nda akdedilecek s\u00f6zle\u015fmelerin \u015fekil ve i\u00e7eri\u011finde yer almas\u0131 gereken asgari unsurlar Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu&#8217;nun (&#8220;<strong>BDDK<\/strong>&#8220;) uygun g\u00f6r\u00fc\u015f\u00fc \u00fczerine kurulu\u015f birlikleri taraf\u0131ndan belirleniyordu.<\/p>\n<p>De\u011fi\u015fiklik ile birlikte bankalar\u0131n m\u00fc\u015fterileri ile akdetti\u011fi s\u00f6zle\u015fmeler,<\/p>\n<ol>\n<li>yaz\u0131l\u0131 olarak,<\/li>\n<li>uzaktan ileti\u015fim ara\u00e7lar\u0131n\u0131n kullan\u0131lmas\u0131 suretiyle mesafeli olarak veya<\/li>\n<li>mesafeli olsun ya da olmas\u0131n, BDDK&#8217;n\u0131n yaz\u0131l\u0131 \u015feklin yerine ge\u00e7ebilece\u011fini belirledi\u011fi ve m\u00fc\u015fteri kimli\u011finin do\u011frulanmas\u0131na imkan verecek bir bili\u015fim veya elektronik haberle\u015fme cihaz\u0131 \u00fczerinden<\/li>\n<\/ol>\n<p>ge\u00e7erli \u015fekilde kurulabilecek.<\/p>\n<p><em>Banka Kartlar\u0131 ve Kredi Kartlar\u0131 Kanunu<\/em><\/p>\n<p>De\u011fi\u015fiklik, 5464 say\u0131l\u0131 Banka Kartlar\u0131 ve Kredi Kartlar\u0131 Kanunu&#8217;nun s\u00f6zle\u015fme \u015fartlar\u0131n\u0131 d\u00fczenleyen 24. maddesini de tadil etti. Bankac\u0131l\u0131k Kanunu&#8217;nda yap\u0131lan de\u011fi\u015fiklik gibi, kart \u00e7\u0131karan kurulu\u015flar ile kart hamilleri aras\u0131ndaki ili\u015fkiler de BDDK&#8217;n\u0131n yaz\u0131l\u0131 \u015feklin yerine ge\u00e7ebilece\u011fini belirledi\u011fi ve m\u00fc\u015fteri kimli\u011finin do\u011frulanmas\u0131na imk\u00e2n verecek bir bili\u015fim veya elektronik haberle\u015fme cihaz\u0131 \u00fczerinden kurulabilecek.<\/p>\n<p><em>Finansal Kiralama, Faktoring ve Finansman \u015eirketleri Kanunu<\/em><br \/>\nDe\u011fi\u015fiklik, 6361 say\u0131l\u0131 Finansal Kiralama, Faktoring ve Finansman \u015eirketleri Kanunu&#8217;nda elektronik s\u00f6zle\u015fmelere ili\u015fkin yeni bir d\u00fczenleme getirdi.<br \/>\nDe\u011fi\u015fiklik uyar\u0131nca finansal kiralama, faktoring ve finansman s\u00f6zle\u015fmeleri:<\/p>\n<ol>\n<li>yaz\u0131l\u0131 olarak,<\/li>\n<li>uzaktan ileti\u015fim ara\u00e7lar\u0131n\u0131n kullan\u0131lmas\u0131 suretiyle mesafeli olarak veya<\/li>\n<li>mesafeli olsun ya da olmas\u0131n, BDDK&#8217;n\u0131n yaz\u0131l\u0131 \u015feklin yerine ge\u00e7ebilece\u011fini belirledi\u011fi ve m\u00fc\u015fteri kimli\u011finin do\u011frulanmas\u0131na imkan verecek bir bili\u015fim veya elektronik haberle\u015fme cihaz\u0131 \u00fczerinden<\/li>\n<\/ol>\n<p>ge\u00e7erli \u015fekilde kurulabilecek.<\/p>\n<p><em>\u00d6deme ve Menkul K\u0131ymet Mutabakat Sistemleri, \u00d6deme Hizmetleri ve Elektronik Para Kurulu\u015flar\u0131 Hakk\u0131nda Kanun<\/em><\/p>\n<p>De\u011fi\u015fiklik ile 6493 say\u0131l\u0131 \u00d6deme ve Menkul K\u0131ymet Mutabakat Sistemleri, \u00d6deme Hizmetleri ve Elektronik Para Kurulu\u015flar\u0131 Hakk\u0131nda Kanunun, m\u00fc\u015fteriler ile \u00f6deme hizmeti sa\u011flay\u0131c\u0131lar\u0131 aras\u0131nda akdedilen \u00e7er\u00e7eve s\u00f6zle\u015fmeleri d\u00fczenleyen 12\/3. maddesi tadil edildi.<\/p>\n<p>Bu kapsamda, \u00e7er\u00e7eve s\u00f6zle\u015fmeler:<\/p>\n<ol>\n<li>yaz\u0131l\u0131 olarak,<\/li>\n<li>uzaktan ileti\u015fim ara\u00e7lar\u0131n\u0131n kullan\u0131lmas\u0131 suretiyle mesafeli olarak veya<\/li>\n<li>mesafeli olsun ya da olmas\u0131n, T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131&#8217;n\u0131n yaz\u0131l\u0131 \u015feklin yerine ge\u00e7ebilece\u011fini belirledi\u011fi ve m\u00fc\u015fteri kimli\u011finin do\u011frulanmas\u0131na imkan verecek bir bili\u015fim veya elektronik haberle\u015fme cihaz\u0131 \u00fczerinden<\/li>\n<\/ol>\n<p>ge\u00e7erli \u015fekilde kurulabilecek.<\/p>\n<p><em>Sermaye Piyasas\u0131 Kanunu<\/em><\/p>\n<p>De\u011fi\u015fiklik ile 6362 say\u0131l\u0131 Sermaye Piyasas\u0131 Kanunu&#8217;nun, m\u00fc\u015fteriler ile akdedilen s\u00f6zle\u015fmeleri d\u00fczenleyen 42. maddesi tadil edildi.<\/p>\n<p>De\u011fi\u015fiklik uyar\u0131nca, yat\u0131r\u0131m kurulu\u015flar\u0131 ve portf\u00f6y y\u00f6netim \u015firketleri ile m\u00fc\u015fteriler aras\u0131ndaki s\u00f6zle\u015fmeler:<\/p>\n<ol>\n<li>yaz\u0131l\u0131 olarak,<\/li>\n<li>uzaktan ileti\u015fim ara\u00e7lar\u0131n\u0131n kullan\u0131lmas\u0131 suretiyle mesafeli olarak veya<\/li>\n<li>mesafeli olsun ya da olmas\u0131n, Sermaye Piyasas\u0131 Kurulu&#8217;nun yaz\u0131l\u0131 \u015feklin yerine ge\u00e7ebilece\u011fini belirledi\u011fi ve m\u00fc\u015fteri kimli\u011finin do\u011frulanmas\u0131na imkan verecek bir bili\u015fim veya elektronik haberle\u015fme cihaz\u0131 \u00fczerinden<\/li>\n<\/ol>\n<p>ge\u00e7erli \u015fekilde kurulabilecek.<\/p>\n<p><strong>Sonu\u00e7<\/strong><\/p>\n<p>De\u011fi\u015fiklik ile birlikte, COVID-19 salg\u0131n\u0131n getirdi\u011fi sosyal mesafe zorunluluklar\u0131na uygun hareket edilmesi ve g\u00fcn\u00fcn teknolojisine uygun y\u00f6ntemlerle m\u00fc\u015fteri ili\u015fkilerinin kurulmas\u0131 ama\u00e7lan\u0131yor. Bundan sonraki s\u00fcre\u00e7te bankalar, kart \u00e7\u0131karan kurulu\u015flar ile finansal kiralama, faktoring ve finansman \u015firketleri fiziki belge ve \u0131slak imzaya gerek olmaks\u0131z\u0131n m\u00fc\u015fteriler ile ili\u015fki kurabilecek. M\u00fc\u015fteriler ile i\u015flemler art\u0131k dijital ortamda ba\u015flat\u0131l\u0131p sonland\u0131r\u0131labilecek.<\/p>\n<p>Elektronik y\u00f6ntemler kullan\u0131larak s\u00f6zle\u015fmelerin akdedilmesi beraberinde baz\u0131 ispat sorunlar\u0131 do\u011furabilir. Uygulamada elektronik y\u00f6ntemler kullan\u0131larak akdedilen s\u00f6zle\u015fmelerde ispata ili\u015fkin en b\u00fcy\u00fck sorun bu s\u00f6zle\u015fmelerin kurulmas\u0131na ili\u015fkin verilen irade beyanlar\u0131n\u0131n ger\u00e7ekten sahibine ait olup olmad\u0131\u011f\u0131. Ancak De\u011fi\u015fiklik uyar\u0131nca, bu y\u00f6ntemle akdedilecek s\u00f6zle\u015fmelerde kullan\u0131lacak ve yukar\u0131da bahsi ge\u00e7en yetkili otoritelerce belirlenecek elektronik haberle\u015fme cihazlar\u0131n\u0131n m\u00fc\u015fteri kimli\u011finin do\u011frulanmas\u0131na imk\u00e2n tan\u0131mas\u0131 gerekti\u011fi belirtildi\u011finden b\u00f6yle bir ispat sorunuyla \u00e7ok fazla kar\u015f\u0131la\u015f\u0131lmayaca\u011f\u0131 kanaatindeyiz.<\/p>\n<p>\u0130spata ili\u015fkin kar\u015f\u0131la\u015f\u0131lan bir di\u011fer sorun ise elektronik y\u00f6ntemlerle akdedilen s\u00f6zle\u015fmenin i\u00e7eri\u011finde sonradan de\u011fi\u015fiklik yap\u0131lmas\u0131. Bu nedenle, elektronik belgenin i\u00e7eri\u011finin do\u011frulanmas\u0131na izin vermeyen elektronik haberle\u015fme cihazlar\u0131n\u0131n tercih edilmesi halinde buna ili\u015fkin riskler ortaya \u00e7\u0131kabilir.<\/p>\n<p>Son olarak, uygulamada kar\u015f\u0131la\u015f\u0131labilecek bir di\u011fer sorun da elektronik verilerin bulunduklar\u0131 elektronik ortamda mahkemeye sunulma imk\u00e2n\u0131n\u0131n zorlu\u011fu olarak belirtilebilir. Yine de teknolojinin geli\u015fmesiyle ispata ve prati\u011fe ili\u015fkin sorunlar\u0131n daha kolay a\u015f\u0131labilir hale gelece\u011fi ve bu tarz y\u00f6ntemlerin giderek taraflarca daha \u00e7ok tercih edilece\u011fini tahmin ediyoruz.<\/p>\n<p><strong>COVID-19 salg\u0131n\u0131 ile ilgili hukuki d\u00fczenlemelerle ilgili bilgilere\u00a0<\/strong><a href=\"https:\/\/urldefense.com\/v3\/__https:\/esinxchange.com\/collect\/click.aspx?u=N2prNUZ0SEQvUTltRnUzcU9BOUR5QmxnNHYvTVc2Wm5qUDUzWExRbS95aUdJTHVJN05DbmlqQWV3VnY1bEFzNDVlckhzZXR5WE03ZTFEWDJycTN4blhxSE9JOUh6ck5NVWUvWlVPUERsWWNHT1Fnam81NUU2R1I2NEx3Uk9ZNWt6ZTN6ekNoeld0K0VFa3Z2bEh3MUhGNzEwSDNGTStoVDh4TDk4aThtdWhCV1UrZWdzKzN0WHNKbWtGRUJnWnYvTGtLamNmK0I5SFdqeE1XVE5GM2VJVk9ONkp5KzkxRXlYeG9BTmVRUlZQWDgrL0xCcldGaUgwbkJHbW90ZGdNdFErTmYxenk4cDFIaTZ4emV3V3FrcWV6SEVTV3lGR2IxTGdscUJBdXhwcWJkMXQ3WFZYZE9FbHVKMm5IOFZwVHI=&amp;rh=ff00641e035dad1a95eaf6bf6540ad322f679bee__;!!Hj9Y_P0nvg!FGXmytbfNOP3RQPLv6MQES5nDk2OHp9-YNRtGb2xgMRvV-Sj12beH6Vd1aMENyfF_u5epQ$\"><strong>Esin Avukatl\u0131k Ortakl\u0131\u011f\u0131 Coronavir\u00fcs Masas\u0131<\/strong><\/a><strong>\u2018ndan ula\u015fabilirsiniz.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Yeni Geli\u015fme 7247 say\u0131l\u0131 Baz\u0131 Kanun ve Kanun H\u00fckm\u00fcnde Kararnamelerde De\u011fi\u015fiklik Yap\u0131lmas\u0131 Hakk\u0131nda Kanun (&#8220;De\u011fi\u015fiklik&#8220;), 26 Haziran 2020 tarih ve [&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":[90,97],"class_list":["post-16578","post","type-post","status-publish","format-standard","hentry","category-legal-alerts","category-covid-19-tr","tag-banking-finance-tr","tag-capital-markets-tr"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Finansal \u0130\u015flemlerde Elektronik S\u00f6zle\u015fme Devri Ba\u015flad\u0131<\/title>\n<meta name=\"description\" content=\"Yeni Geli\u015fme 7247 say\u0131l\u0131 Baz\u0131 Kanun ve Kanun H\u00fckm\u00fcnde Kararnamelerde De\u011fi\u015fiklik Yap\u0131lmas\u0131 Hakk\u0131nda 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