{"id":18938,"date":"2021-03-08T11:18:51","date_gmt":"2021-03-08T11:18:51","guid":{"rendered":"https:\/\/www.esin.av.tr\/?p=18938"},"modified":"2022-06-09T13:20:35","modified_gmt":"2022-06-09T13:20:35","slug":"tasarruf-finansman-sirketlerine-iliskin-yeni-duzenlemeler-yururluge-girdi","status":"publish","type":"post","link":"https:\/\/www.esin.av.tr\/tr\/2021\/03\/08\/tasarruf-finansman-sirketlerine-iliskin-yeni-duzenlemeler-yururluge-girdi\/","title":{"rendered":"Tasarruf Finansman \u015eirketlerine \u0130li\u015fkin Yeni D\u00fczenlemeler Y\u00fcr\u00fcrl\u00fc\u011fe Girdi"},"content":{"rendered":"<p><strong>Yeni Geli\u015fmeler<\/strong><\/p>\n<p>Kat\u0131l\u0131mc\u0131lar\u0131n tasarruflar\u0131n\u0131 bir araya getirerek, belirli bir s\u0131ra i\u00e7inde birbirlerinin konut ve motorlu ta\u015f\u0131t al\u0131mlar\u0131n\u0131 finanse etmelerine dayanan tasarruf finansman\u0131 son senelerde b\u00fcy\u00fck pop\u00fclerlik kazanarak Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (&#8220;<strong>BDDK<\/strong>&#8220;) radar\u0131na girdi. Bu sisteme aktar\u0131lan fonlar\u0131n \u00e7ok artmas\u0131, kat\u0131l\u0131mc\u0131lar\u0131n korunmas\u0131 ve finansman\u0131 organize eden \u015firketlerin denetlenmesi gereklili\u011fini g\u00fcndeme getirmi\u015f, bunun \u00fczerine 6361 say\u0131l\u0131 Finansal Kiralama, Faktoring ve Finansman \u015eirketleri Kanunu (&#8220;<strong>Kanun<\/strong>&#8220;) ile Baz\u0131 Kanunlarda De\u011fi\u015fiklik Yap\u0131lmas\u0131na Dair Kanun Teklifi (&#8220;<strong>Kanun<\/strong> <strong>Teklifi<\/strong>&#8220;) T\u00fcrkiye B\u00fcy\u00fck Millet Meclisi&#8217;ne sunulmu\u015ftu.<\/p>\n<p>Kanun Teklifi hakk\u0131ndaki 26 \u015eubat 2021 tarihli Hukuk B\u00fcltenimize <strong><u><a href=\"https:\/\/urldefense.com\/v3\/__https:\/esinxchange.com\/collect\/click.aspx?u=MEVlMmhCT2hWWEhMck82M1BJbWpVNXVtQndDU045VXpmaW9GUW5hcTE3dnFGTHRWZUxQUTdWMEZnU2pBNHJ2U0tTalJMU1cycUpYazV1MmFZcWtTV0hpNG1xVW5yd0M5aVl3VFN1dm1SMzUxcVptQjZ5MjYraXprNmVoUHlMdHkvNnBBR2ViOEJGYmRnRXFYWTdTYUxrVFM2WFgvWE80Rw==&amp;rh=ff0074ccb2defc1c57500f505248a119cb8a30d8__;!!Hj9Y_P0nvg!E0CS4WhMePDRKzmLnO5c4KR2jgfPSNg4U4BcaCMUpm3i2sCL4KlEwvqHuSl5EvUw1JSN2A$\">buradan<\/a><\/u><\/strong> ula\u015fabilirsiniz.<\/p>\n<p>7292 say\u0131l\u0131 Finansal Kiralama, Faktoring ve Finansman \u015eirketleri Kanunu ile Baz\u0131 Kanunlarda De\u011fi\u015fiklik Yap\u0131lmas\u0131na Dair Kanun (&#8220;<strong>De\u011fi\u015fiklik<\/strong>&#8220;), 7 Mart 2021 tarihli ve 31416 say\u0131l\u0131 Resmi Gazete&#8217;de yay\u0131mlanarak y\u00fcr\u00fcrl\u00fc\u011fe girdi.<\/p>\n<p><strong>Teklif Ne Getiriyor?<\/strong><\/p>\n<p>De\u011fi\u015fiklik ile birlikte Kanun&#8217;un ad\u0131, Finansal Kiralama, Faktoring, Finansman ve Tasarruf Finansman \u015eirketleri Kanunu olarak de\u011fi\u015fti.<\/p>\n<p>\u2022\u00a0<strong>Kurulu\u015f \u015eartlar\u0131:<\/strong><\/p>\n<ul>\n<li>Tasarrufa dayal\u0131 faizsiz finansman hizmeti veren \u015firketlerin ticaret unvan\u0131nda &#8221;Tasarruf Finansman \u015eirketi&#8221; ibaresi yer alacak.<\/li>\n<li>Tasarruf finansman \u015firketlerinin \u00f6denmi\u015f sermaye tutar\u0131 en az 100 milyon T\u00fcrk Liras\u0131 olacak. Kanun&#8217;a tabi di\u011fer \u015firketler olan finansal kiralama, finansman ve faktoring \u015firketlerinde daha y\u00fcksek bir asgari sermaye \u00f6ng\u00f6r\u00fclmesi m\u00fc\u015fterilerden fon toplayarak faaliyet g\u00f6steren tasarruf finansman \u015firketleri bak\u0131m\u0131ndan m\u00fc\u015fteri menfaatlerini korumay\u0131 ama\u00e7l\u0131yor.<\/li>\n<li>Bu \u00f6zellikli haller d\u0131\u015f\u0131nda Kanun&#8217;a tabi di\u011fer \u015firketleri i\u00e7in \u00f6ng\u00f6r\u00fclen kurulu\u015f \u015fartlar\u0131 ge\u00e7erli olacak.<\/li>\n<\/ul>\n<ul>\n<li><strong>\u015eirketin Yapamayaca\u011f\u0131 \u0130\u015f ve \u0130\u015flemler:<\/strong><\/li>\n<\/ul>\n<ul>\n<li>Tasarruf finansman \u015firketlerinin fon toplamas\u0131, faktoring, finansal kiralama ve finansman \u015firketleri i\u00e7in getirilmi\u015f bulunan para toplama yasa\u011f\u0131na tabi olmayacak.<\/li>\n<li>Tasarruf finansman \u015firketleri konut veya ta\u015f\u0131t ediniminden do\u011fdu\u011fu tevsik edilmeyen bor\u00e7lar\u0131 finanse edemeyecek, tasarruf finansman s\u00f6zle\u015fmeleri d\u0131\u015f\u0131nda finansman sa\u011flayamayacak, \u00fc\u00e7\u00fcnc\u00fc taraflara bor\u00e7 veremeyecek ve ortakl\u0131k pay\u0131 edinemeyecek.<\/li>\n<li>Tasarruf finansman \u015firketleri ayr\u0131ca banka izlenimi yaratacak ifade ve deyimleri ve kat\u0131l\u0131m ifadesini kullanamayacak. Bu h\u00fck\u00fcm ile \u00f6zellikle kat\u0131l\u0131m bankac\u0131l\u0131\u011f\u0131 sekt\u00f6r\u00fcnde faaliyet g\u00f6sterildi\u011fi izleniminin yarat\u0131lmamas\u0131 ama\u00e7lan\u0131yor.<\/li>\n<\/ul>\n<ul>\n<li><strong>Birle\u015fme, Devir, B\u00f6l\u00fcnme, Tasfiye:<\/strong><\/li>\n<\/ul>\n<ul>\n<li>De\u011fi\u015fiklik, tasarruf finansman \u015firketleri i\u00e7in ayr\u0131k bir birle\u015fme, devir, b\u00f6l\u00fcnme ve tasfiye rejimi \u00f6ng\u00f6r\u00fcyor. Bu s\u00fcre\u00e7lere gidilmesi BDDK iznine tabi olacak.<\/li>\n<\/ul>\n<ul>\n<li><strong>Koruyucu D\u00fczenlemeler:<\/strong><\/li>\n<\/ul>\n<ul>\n<li>BDDK, Kanun&#8217;a tabi \u015firketlere yapt\u0131\u011f\u0131 denetimler sonucunda De\u011fi\u015fiklik&#8217;te belirtilen mali risklerden bir veya birka\u00e7\u0131n\u0131n var oldu\u011funa kanaat getirirse ilgili \u015firketlerden gerekli g\u00f6rd\u00fc\u011f\u00fc tedbirleri almas\u0131n\u0131 isteyebilecek.<\/li>\n<li>Ayr\u0131ca, tasarruf finansman \u015firketlerinin, tasfiyeleri halinde toplanan fonlar\u0131n iadesini temin etmek ad\u0131na ayr\u0131 bir hesapta belirli bir oranda zorunlu birikim yapmalar\u0131 gerekecek.<\/li>\n<\/ul>\n<ul>\n<li><strong>Tasarruf Finansman S\u00f6zle\u015fmesi:<\/strong><\/li>\n<\/ul>\n<ul>\n<li>De\u011fi\u015fiklik, tasarruf finansman s\u00f6zle\u015fmesini, belirli bir tasarruf tutar\u0131 ve d\u00f6nemine ba\u011fl\u0131 olarak \u00f6nceden belirlenmi\u015f ko\u015fullar\u0131n ger\u00e7ekle\u015fmesi \u015fart\u0131yla konut veya ta\u015f\u0131t edinimi i\u00e7in m\u00fc\u015fteriye finansman kullanma hakk\u0131 veren, \u015firkete ise m\u00fc\u015fteriye ait birikmi\u015f tasarruf tutar\u0131n\u0131 y\u00f6netme, geri \u00f6deme ve finansman kulland\u0131rma y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc ile organizasyon \u00fccreti alma hakk\u0131 veren, faizsiz finansman esaslar\u0131na g\u00f6re d\u00fczenlenen s\u00f6zle\u015fme olarak tan\u0131ml\u0131yor.<\/li>\n<li>De\u011fi\u015fiklik, m\u00fc\u015fteriye tan\u0131nan cayma ve fesih haklar\u0131n\u0131 ayr\u0131nt\u0131l\u0131 olarak d\u00fczenliyor. Cayma hakk\u0131 s\u00f6zle\u015fme imzaland\u0131ktan sonra 14 g\u00fcn i\u00e7inde kullan\u0131labilirken, fesih hakk\u0131 tasarruf d\u00f6nemi bitimine kadar kullan\u0131labilecek.<\/li>\n<\/ul>\n<ul>\n<li><strong>Tasarruf Finansman Faaliyeti:<\/strong><\/li>\n<\/ul>\n<ul>\n<li>De\u011fi\u015fiklik ayr\u0131ca tasarruf finansman faaliyetinin i\u015fleyi\u015fini ve genel \u00e7er\u00e7evesini ortaya koyuyor. Buna g\u00f6re, \u015firketler m\u00fc\u015fterileri veya m\u00fc\u015fteri gruplar\u0131n\u0131n her biri i\u00e7in ayr\u0131 bir tasarruf ve finansman plan\u0131 d\u00fczenleyerek likiditelerini y\u00f6netmek zorunda olacak.<\/li>\n<li>Tasarruf finansman \u015firketleri tasarruf fon havuzu hesaplar\u0131n\u0131 di\u011fer hesaplar\u0131ndan ay\u0131racak.<\/li>\n<li>Tasarruf finansman \u015firketleri faizsiz finansman esaslar\u0131na tabi olarak faaliyet g\u00f6sterecek.<\/li>\n<\/ul>\n<ul>\n<li><strong>Finansal Kurumlar Birli\u011fi:<\/strong><\/li>\n<\/ul>\n<ul>\n<li>Finansal Kiralama, Faktoring ve Finansman \u015eirketleri Birli\u011finin ad\u0131 Finansal Kurumlar Birli\u011fi (<strong>&#8221;FKB&#8221;<\/strong>) olarak de\u011fi\u015fecek.<\/li>\n<li>Finansal kiralama \u015firketleri, faktoring ve finansman \u015firketleri ile tasarruf finansman \u015firketleri, varl\u0131k y\u00f6netim \u015firketleri ve BDDK denetimine tabi kurulu\u015flardan uygun g\u00f6r\u00fclenler FKB\u2019ye \u00fcye olmakla m\u00fckellef olacak.<\/li>\n<\/ul>\n<ul>\n<li><strong>Yapt\u0131r\u0131mlar:<\/strong><\/li>\n<\/ul>\n<ul>\n<li>Tasarruf finansman s\u00f6zle\u015fmesi ve tasarruf finansman faaliyetine ayk\u0131r\u0131l\u0131k durumunda ilgililer idari para cezas\u0131na tabi olacak. Ayr\u0131ca, m\u00fc\u015fterinin tasarruf finansman s\u00f6zle\u015fmesindeki cayma\/fesih haklar\u0131n\u0131 kullanmas\u0131 halinde birikimlerinin iade edilmesini engelleyen ki\u015filer alt\u0131 aydan iki y\u0131la kadar hapis ve be\u015f y\u00fcz g\u00fcne kadar adli para cezas\u0131 ile cezaland\u0131r\u0131lacak.<\/li>\n<li>\u0130zinsiz tasarruf finansman\u0131 faaliyetinde bulunan ki\u015filer iki y\u0131ldan be\u015f y\u0131la kadar hapis ve be\u015f bin g\u00fcne kadar adli para cezas\u0131 ile cezaland\u0131r\u0131lacak. Ayr\u0131ca izinsiz faaliyette bulunan Kanun&#8217;a tabi \u015firketler hakk\u0131nda BDDK tasfiye karar\u0131 verebilecek.<\/li>\n<\/ul>\n<ul>\n<li><strong>Faaliyet \u0130zninin Kald\u0131r\u0131lmas\u0131 ve Tasfiye:<\/strong><\/li>\n<\/ul>\n<ul>\n<li>De\u011fi\u015fiklik, di\u011fer \u015firketlerden farkl\u0131 olarak tasarruf finansman \u015firketlerine m\u00fcnhas\u0131r bir tasfiye rejimi \u00f6ng\u00f6r\u00fcyor. Buna g\u00f6re, BDDK belirli mali riskleri tespit etmesi ve bunun \u00fczerine al\u0131nmas\u0131 istedi\u011fi tedbirlerin al\u0131nmamas\u0131 veya al\u0131n\u0131p sonu\u00e7suz kalmas\u0131 \u00fczerine ilgili \u015firketin faaliyet iznini kald\u0131rarak tasfiyesine karar verebilecek.<\/li>\n<\/ul>\n<ul>\n<li><strong>\u0130ntibak S\u00fcreci:<\/strong><\/li>\n<\/ul>\n<ul>\n<li>De\u011fi\u015fiklik, h\u00e2lihaz\u0131rda tasarruf finansman faaliyeti y\u00fcr\u00fcten \u015firketler i\u00e7in, (a) de\u011fi\u015fikliklerin y\u00fcr\u00fcrl\u00fck tarihinden itibaren bir ay i\u00e7inde BDDK&#8217;ya ba\u015fvuruda bulunma, (b) ba\u015fvuru s\u0131ras\u0131nda durumlar\u0131n\u0131 en ge\u00e7 alt\u0131 ay i\u00e7inde Kanun h\u00fck\u00fcmlerine uygun hale getirme veya m\u00fc\u015fteri hak ve menfaatlerini zarara u\u011fratmadan tasfiye olacaklar\u0131na dair bir plan sunma ve (c) plan\u0131n uygun g\u00f6r\u00fclmesi halinde gereken i\u015flemleri belirlenen s\u00fcrelerde yapma zorunlulu\u011fu getiriyor. Belirtilen alt\u0131 ayl\u0131k s\u00fcrenin belirli \u015fartlarla uzat\u0131lmas\u0131 m\u00fcmk\u00fcn olacak.<\/li>\n<li>Yukar\u0131da belirtilen bir ayl\u0131k s\u00fcre i\u00e7inde BDDK&#8217;ya ba\u015fvurmadan faaliyetlerine devam eden \u015firketler hakk\u0131nda izinsiz faaliyette bulunmaya ili\u015fkin h\u00fck\u00fcmler uygulanacak.<\/li>\n<\/ul>\n<p><strong>Sonu\u00e7<\/strong><\/p>\n<p>De\u011fi\u015fiklik ile birlikte Kanun Teklifi&#8217;nde \u00f6ng\u00f6r\u00fclen hususlar y\u00fcr\u00fcrl\u00fc\u011fe girmi\u015f oldu. B\u00f6ylece, bug\u00fcne kadar d\u00fczenleyici ve denetleyici bir otoritenin g\u00f6zetimine tabi olmadan finansal arac\u0131l\u0131k faaliyetinde bulunan \u015firketler mevzuat\u0131n \u00f6ng\u00f6rd\u00fc\u011f\u00fc \u015fekilde kurulabilecek ve faaliyet g\u00f6sterebilecek. Bu sayede m\u00fc\u015fterilerin hak ve menfaatlerinin g\u00fcvence alt\u0131na al\u0131nmas\u0131 ve finansal piyasalarda g\u00fcvenilirli\u011fin temin edilmesi hedefleniyor.<\/p>\n<p>H\u00e2lihaz\u0131rda tasarruf finansman faaliyetinde bulunan \u015firketlerin intibak a\u015famalar\u0131n\u0131 takip etmeleri, herhangi bir idari veya cezai yapt\u0131r\u0131ma maruz kalmamalar\u0131 i\u00e7in b\u00fcy\u00fck \u00f6nem arz edecek.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Yeni Geli\u015fmeler Kat\u0131l\u0131mc\u0131lar\u0131n tasarruflar\u0131n\u0131 bir araya getirerek, belirli bir s\u0131ra i\u00e7inde birbirlerinin konut ve motorlu ta\u015f\u0131t al\u0131mlar\u0131n\u0131 finanse etmelerine dayanan [&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-18938","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>Tasarruf Finansman \u015eirketlerine \u0130li\u015fkin Yeni D\u00fczenlemeler Y\u00fcr\u00fcrl\u00fc\u011fe Girdi<\/title>\n<meta name=\"description\" content=\"Yeni Geli\u015fmeler Kat\u0131l\u0131mc\u0131lar\u0131n tasarruflar\u0131n\u0131 bir araya getirerek, belirli bir s\u0131ra i\u00e7inde birbirlerinin konut ve motorlu ta\u015f\u0131t al\u0131mlar\u0131n\u0131 finanse\" \/>\n<meta name=\"robots\" content=\"index, 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