{"id":23276,"date":"2022-07-19T10:48:07","date_gmt":"2022-07-19T10:48:07","guid":{"rendered":"https:\/\/www.esin.av.tr\/?p=23276"},"modified":"2022-07-19T10:48:07","modified_gmt":"2022-07-19T10:48:07","slug":"bddk-turk-lirasi-kredi-kisitlamalarini-esnetti","status":"publish","type":"post","link":"https:\/\/www.esin.av.tr\/tr\/2022\/07\/19\/bddk-turk-lirasi-kredi-kisitlamalarini-esnetti\/","title":{"rendered":"BDDK T\u00fcrk Liras\u0131 Kredi K\u0131s\u0131tlamalar\u0131n\u0131 Esnetti"},"content":{"rendered":"<p><strong>Yeni Geli\u015fmeler<\/strong><\/p>\n<p>Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (&#8220;<strong>BDDK<\/strong>&#8220;), 24 Haziran 2022 tarih ve 10250 say\u0131l\u0131 bankalar ve finansal kurulu\u015flar d\u0131\u015f\u0131nda kalan ve ba\u011f\u0131ms\u0131z denetime tabi \u015firketlerin T\u00fcrk liras\u0131 nakdi ticari kredi k\u0131s\u0131tlamalara ili\u015fkin karar\u0131n (&#8220;<strong>K\u0131s\u0131tlama\u00a0Karar\u0131<\/strong>&#8220;) uygulamas\u0131n\u0131n netle\u015ftirilmesi ve k\u0131s\u0131tlamalar\u0131n daha etkin olarak uygulanmas\u0131n\u0131 sa\u011flamak amac\u0131yla 7 Temmuz 2022 tarih ve 10265 say\u0131l\u0131 yeni bir karar (&#8220;<strong>Karar<\/strong>&#8220;) yay\u0131mlad\u0131.<br \/>\nK\u0131s\u0131tlama Karar\u0131&#8217;na ili\u015fkin olarak 27 Haziran 2022 tarihli <a href=\"https:\/\/urldefense.com\/v3\/__https:\/esinxchange.com\/collect\/click.aspx?u=bW5hM3Bkb0Z4MkhNeEpyL2NHTjdhSWtDZzR6WVd4dFkwM1c4d0E0aGxEbGpxOXdjNE9KY2FTWlpLbWk5TjVOdFdSZnhJc3I4Tmo1enpQblYweWVLVVFxSTdoNkIvN1MrVGZXTVVCSTluUkxKWVR1akIwVUtQaFRoMDNoeThwRU55RE16UEE4MElJWFdRcmplZjdrQ2hBPT0=&amp;rh=ff009518b6172a1dd6350200a14ba51c4b58607d__;!!Hj9Y_P0nvg!UFNzZSZFDPDIU4v2SMVTYukvNtilKEAgQ6kcIMDL0uBYel3Lcq4GJTj8YucCxI-aKRFs0uY_kgbRLUYFKpUAavRceg$\">mevzuat b\u00fcltenimizi<\/a> inceleyebilirsiniz.<\/p>\n<p><strong>Karar ne anlama geliyor?<\/strong><\/p>\n<p>BDDK, bu Karar ile K\u0131s\u0131tlama Karar\u0131 kapsam\u0131nda getirilen s\u0131n\u0131rlamalara birtak\u0131m esneklikler sa\u011flarken k\u0131s\u0131tlamalar\u0131n etkinli\u011finin art\u0131r\u0131lmas\u0131 amac\u0131yla karar kapsam\u0131n\u0131 geni\u015fletti.<\/p>\n<p><strong><u>Yabanc\u0131 para varl\u0131klar\u0131 (&#8220;YP Varl\u0131k) 15.000.000 T\u00fcrk Liras\u0131&#8217;n\u0131 a\u015fan \u015firketler<\/u><\/strong><\/p>\n<ul>\n<li>Bu \u015firketlere ili\u015fkin d\u00fczenleme baz\u0131 hususlar\u0131n netle\u015ftirilmesi hari\u00e7 ayn\u0131 kald\u0131. Bununla birlikte, bu \u015firketlerin T\u00fcrk Liras\u0131 kredi kullan\u0131p kullanamayaca\u011f\u0131n\u0131n belirlenmesinde esas al\u0131nan finansal tablolar\u0131n Vergi Usul Kanunu uyar\u0131nca d\u00fczenlenerek beyanname eklerinde (ge\u00e7ici vergi beyannameleri dahil) vergi dairesine sunulmu\u015f olan finansal tablolar oldu\u011fu a\u00e7\u0131kl\u0131\u011fa kavu\u015ftu.<\/li>\n<li>Bu \u015firketlerin konsolide finansal tablo haz\u0131rlama y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc bulunmas\u0131 halinde de\u011ferlendirme ba\u011f\u0131ms\u0131z denetim kurulu\u015flar\u0131nca denetlenmi\u015f finansal tablolar \u00fczerinden yap\u0131lacak. Ancak, yap\u0131lacak de\u011ferlendirmeye yurt d\u0131\u015f\u0131 ba\u011fl\u0131 ortakl\u0131k ve i\u015ftirakleri dahil edilmeyecek.<\/li>\n<\/ul>\n<p><strong><u>Yabanc\u0131 para cinsinden kredi kullanmas\u0131 m\u00fcmk\u00fcn olmayan ve kredi ba\u015fvurusunda bulundu\u011fu tarihten itibaren \u00fc\u00e7 ayl\u0131k d\u00f6nem i\u00e7inde yabanc\u0131 para net pozisyon a\u00e7\u0131\u011f\u0131 bulunan \u015firketler<\/u><\/strong><\/p>\n<ul>\n<li>K\u0131s\u0131tlama Karar\u0131 ile bu \u015firketlerin T\u00fcrk liras\u0131 nakdi kredi kullanabilmeleri i\u00e7in yetkili ba\u011f\u0131ms\u0131z denetim kurulu\u015flar\u0131nca onaylanm\u0131\u015f belgelerle bankaya ba\u015fvurmalar\u0131 \u015fart\u0131 getirilmi\u015fti. Karar ile bu \u015firketler, s\u00f6z konusu belgelerin ba\u015fvuru tarihinde sunulmas\u0131 \u015fart\u0131 aranmaks\u0131z\u0131n, yaln\u0131zca kredi ba\u015fvuru tarihini izleyen \u00fc\u00e7 ayl\u0131k d\u00f6nemdeki yabanc\u0131 para net pozisyon a\u00e7\u0131\u011f\u0131 ile s\u0131n\u0131rl\u0131 olmak \u00fczere, kredi ba\u015fvurusunu izleyen \u00fc\u00e7 ayl\u0131k d\u00f6nem i\u00e7inde net pozisyon a\u00e7\u0131\u011f\u0131 oldu\u011funu pozisyon a\u00e7\u0131\u011f\u0131 tutar\u0131yla birlikte beyan etmesi ko\u015fuluyla T\u00fcrk Liras\u0131 kredi kullanabilecek. S\u00f6z konusu beyanlar\u0131n do\u011frulu\u011funun \u00fc\u00e7 ayl\u0131k takvim d\u00f6nemi sonunu izleyen ay\u0131n son i\u015f g\u00fcn\u00fc ak\u015fam\u0131na kadar ba\u011f\u0131ms\u0131z denetim kurulu\u015flar\u0131 ya da yeminli mali m\u00fc\u015favirler (&#8220;<strong>YMM<\/strong>&#8220;) taraf\u0131ndan teyit edilerek ilgili bankaya belgelendirmesi gerekecek.<\/li>\n<\/ul>\n<p><strong><u>YP varl\u0131klar\u0131 15.000.000 T\u00fcrk Liras\u0131&#8217;n\u0131 a\u015fmayan veya a\u015fsa bile aktif toplam\u0131ndan ya da son bir y\u0131ll\u0131k net sat\u0131\u015f has\u0131lat\u0131ndan b\u00fcy\u00fck olan\u0131n\u0131n y\u00fczde onunu ge\u00e7meyen \u015firketler <\/u><\/strong><\/p>\n<ul>\n<li>K\u0131s\u0131tlama Karar\u0131 kapsam\u0131nda bu \u015firketlerin YP Varl\u0131klar\u0131n\u0131n 15 milyon T\u00fcrk liras\u0131&#8217;n\u0131 a\u015fmayaca\u011f\u0131 ve YP Varl\u0131klar\u0131 15 milyon TL\u2019yi a\u015fsa bile aktif toplam\u0131ndan veya son 1 y\u0131ll\u0131k net sat\u0131\u015f has\u0131lat\u0131ndan b\u00fcy\u00fck olan\u0131n\u0131n %10\u2019unu ge\u00e7meyece\u011fini beyan ve taahh\u00fct etmelerine ek olarak her ay\u0131n ilk 10 i\u015f g\u00fcn\u00fc i\u00e7erisinde bir \u00f6nceki ay sonu bilan\u00e7osuna g\u00f6re YP Varl\u0131klar\u0131n\u0131n, aktif toplam\u0131n\u0131n ve bir \u00f6nceki ay sonu itibar\u0131yla son 12 ayl\u0131k net sat\u0131\u015f has\u0131lat\u0131n\u0131n g\u00fcncel de\u011ferini bankaya iletmeleri gerekmekteydi.<\/li>\n<li>Karar ile s\u00f6z konusu y\u00fck\u00fcml\u00fcl\u00fck hafifletilmi\u015f olup, bu \u015firketlerin s\u00f6z konusu beyan ve taahh\u00fcd\u00fc 30 Haziran 2022 tarihinden itibaren ge\u00e7erli olacak \u015fekilde vermesi ve her \u00fc\u00e7 ayl\u0131k takvim d\u00f6nemi sonunu izleyen ay\u0131n son i\u015f g\u00fcn\u00fc ak\u015fam\u0131na kadar s\u00f6z konusu beyan ve taahh\u00fctlerin do\u011frulu\u011funu ilgili bankaya belgelendirmesi \u015fart\u0131yla bu \u015firketler T\u00fcrk liras\u0131 nakdi kredi kullanabilecek.<\/li>\n<\/ul>\n<ul>\n<li>S\u00f6z konusu hususlar\u0131n belgelendirilmesinde vergi\u00a0dairesine\u00a0beyanname eklerinde (ge\u00e7ici vergi beyannameleri dahil) sunulmu\u015f olan en g\u00fcncel\u00a0finansal tablolar kullan\u0131lacak. Konsolide finansal tablo\u00a0haz\u0131rlama y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc bulunan \u015firketler\u00a0ise vergi dairesine sunulmu\u015f olma \u015fart\u0131 aranmaks\u0131z\u0131n \u00a0ba\u011f\u0131ms\u0131z\u00a0denetim\u00a0kurulu\u015flar\u0131nca denetlenmi\u015f en g\u00fcncel konsolide finansal tablolar\u0131n\u0131 kullanabilecek ve hesaplamaya bu \u015firketlerin yurt d\u0131\u015f\u0131 ba\u011fl\u0131 ortakl\u0131k\u00a0ve i\u015ftirakleri\u00a0dahil edilmeyecek.<\/li>\n<\/ul>\n<p><strong><u>Ba\u011f\u0131ms\u0131z denetime tabi \u015firketlerin belirlenmesi<\/u><\/strong><\/p>\n<ul>\n<li>Ba\u011f\u0131ms\u0131z denetime tabi oldu\u011fu halde, denetim y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc\u00a0ilk\u00a0olarak\u00a02022\u00a0y\u0131l\u0131\u00a0sonunda ba\u015flayacak olan \u015firketler, Karar kapsam\u0131ndaki d\u00fczenlemeden muaf tutulacak.<\/li>\n<li>Kredi ba\u015fvurusunda bulunan bir \u015firketin ba\u011f\u0131ms\u0131z denetime tabi olmad\u0131\u011f\u0131n\u0131 veya\u00a0ba\u011f\u0131ms\u0131z\u00a0denetime tabi oldu\u011fu halde denetim y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcn\u00fcn ilk defa 2022 y\u0131l\u0131 sonunda ba\u015flad\u0131\u011f\u0131n\u0131 beyan ve taahh\u00fct etmesine ra\u011fmen banka nezdinde teredd\u00fct olu\u015fmas\u0131 halinde bu hususun YMM&#8217;ler ya da ba\u011f\u0131ms\u0131z denetim kurulu\u015flar\u0131 taraf\u0131ndan onayl\u0131\u00a0olmak\u00a0\u00fczere belgelendirmeleri i\u00e7in bir ay s\u00fcre tan\u0131nacak. Bununla birlikte kredi ba\u015fvuruda bulunan\u00a0\u015firketin\u00a0beyan\u0131\u00a0esas al\u0131narak kulland\u0131r\u0131lacak.<\/li>\n<\/ul>\n<p><strong><u>Belirlenen s\u00fcrede bilgi ve belgelerin temin edilmemesi durumunda uygulanacak yapt\u0131r\u0131m<\/u><\/strong><\/p>\n<ul>\n<li>\u015eirketlerin yukar\u0131da belirlenen s\u00fcreler i\u00e7inde ba\u011f\u0131ms\u0131z\u00a0denetim kurulu\u015fu ya da YMM onayl\u0131 olarak bankaya tevdi etmesi gereken bilgi ve belgeleri tevdi etmemesi veya tevdi etti\u011fi bilgi ve belgeler uyar\u0131nca Karar kapsam\u0131ndaki kredi s\u0131n\u0131rlamas\u0131na dahil olmas\u0131 gerekti\u011finin tespit edilmesi halinde, ilgili banka taraf\u0131ndan s\u00f6z konusu \u015firkete yeni nakdi ticari kredi kulland\u0131r\u0131lmayacak ve ilgili durum ve \u015firket bilgilerine g\u00f6re BDDK taraf\u0131ndan belirlenecek usul ve esaslar uyar\u0131nca, banka taraf\u0131ndan yap\u0131lacak bir bildirim uyar\u0131nca, s\u00f6z konusu \u015firketlere 30 Haziran 2022 tarihinden itibaren kulland\u0131r\u0131lan T\u00fcrk Liras\u0131 cinsinden t\u00fcm nakdi kredilere sermaye yeterlili\u011fi oran\u0131 hesaplamas\u0131 kapsam\u0131nda kredi riskine esas tutar hesaplan\u0131rken kullan\u0131lan yakla\u015f\u0131mdan ba\u011f\u0131ms\u0131z olarak, kredi riski azalt\u0131m teknikleri, kredi derecelendirme notlar\u0131 ve gayrimenkul ipotekleri dikkate al\u0131nmaks\u0131z\u0131n, %500 risk a\u011f\u0131rl\u0131\u011f\u0131 uygulanacak.<\/li>\n<\/ul>\n<p><strong><u>Finansal kiralama, faktoring, finansman \u015firketlerinin durumu<\/u><\/strong><\/p>\n<ul>\n<li>K\u0131s\u0131tlama Karar\u0131, yaln\u0131zca bankalardan kulland\u0131r\u0131lacak T\u00fcrk liras\u0131 nakdi kredilere ili\u015fkin s\u0131n\u0131rlamalar\u0131 d\u00fczenlemekteydi. Karar ile finansal kiralama, faktoring ve finansman \u015firketleri taraf\u0131ndan 1 A\u011fustos 2022 tarihinden itibaren bu \u015firketlere kulland\u0131r\u0131lacak krediler de Karar kapsam\u0131na al\u0131nd\u0131. Karar kapsam\u0131nda bankalar i\u00e7in getirilen y\u00fck\u00fcml\u00fcl\u00fckler bu \u015firketlere aynen uygulanacak.<\/li>\n<\/ul>\n<p><strong><u>Karardan muaf tutulan krediler<\/u><\/strong><\/p>\n<ul>\n<li>Nakit \u00e7ekimler hari\u00e7 kurumsal kredi kartlar\u0131 yoluyla kulland\u0131r\u0131lan krediler<\/li>\n<li>Do\u011frudan Bor\u00e7lanma Sistemi (DBS) arac\u0131l\u0131\u011f\u0131yla nakde d\u00f6n\u00fc\u015fen krediler<\/li>\n<li>Cay\u0131lamaz limit taahh\u00fcd\u00fc niteli\u011finde olan ve bankalar\u0131n kredi m\u00fc\u015fterisi olan \u015firket d\u0131\u015f\u0131ndaki \u00fc\u00e7\u00fcnc\u00fc taraflara \u00f6deme garantisi sundu\u011fu di\u011fer krediler ile al\u0131c\u0131 stat\u00fcs\u00fcndeki \u015firketin kredilendirilmesi suretiyle tedarik\u00e7ilere \u00f6deme yap\u0131lan tedarik\u00e7i finansman\u0131 kredileri<\/li>\n<li>T\u00fcrk liras\u0131 cinsinden nakdi krediye d\u00f6n\u00fc\u015fen tazmin edilen\u00a0gayri\u00a0nakdi\u00a0kredi bedelleri<\/li>\n<li>Yeniden yap\u0131land\u0131rma kapsam\u0131nda olmayan ve s\u00f6zle\u015fme ko\u015fullar\u0131n\u0131n de\u011fi\u015ftirilmesi suretiyle yenilenen ya da mevcut kredilerin k\u0131smen veya tamamen yeniden finanse edilmesi i\u00e7in kulland\u0131r\u0131lan krediler hari\u00e7; \u00e7er\u00e7eve anla\u015fmalar kapsam\u0131nda yeniden yap\u0131land\u0131r\u0131lan veya bu yeniden yap\u0131land\u0131rma kapsam\u0131nda kulland\u0131r\u0131lan krediler<\/li>\n<\/ul>\n<p><strong><u>A\u00e7\u0131kl\u0131\u011fa kavu\u015fturulan di\u011fer hususlar<\/u><\/strong><\/p>\n<ul>\n<li><em><u>Ba\u011fl\u0131 Ortakl\u0131k ve \u0130\u015ftiraklerin Durumu<\/u><\/em>: \u015eirketin (ana ortakl\u0131k) konsolide finansal tablolar\u0131 \u00fczerinden bu Karar kapsam\u0131nda T\u00fcrk Liras\u0131 kredi kulland\u0131r\u0131m\u0131na uygun olmad\u0131\u011f\u0131 tespit edilmesi halinde, bu durum yaln\u0131zca ana ortakl\u0131k i\u00e7in bu Karar kapsam\u0131ndaki kredi s\u0131n\u0131rlamas\u0131n\u0131n uygulanacak. Ana ortakl\u0131\u011f\u0131n konsolidasyona tabi di\u011fer ba\u011fl\u0131 ortakl\u0131k ve i\u015ftiraklerine kulland\u0131r\u0131lacak krediler i\u00e7in Kararda belirtilen h\u00fck\u00fcmlerin her bir ba\u011fl\u0131 ortakl\u0131k ve i\u015ftirak i\u00e7in ayr\u0131 ayr\u0131 ele al\u0131nmas\u0131 suretiyle kredi s\u0131n\u0131rlamas\u0131na tabi olup olmad\u0131klar\u0131 belirlenecek.<\/li>\n<li><em><u>Yurt D\u0131\u015f\u0131 \u015eubelerin Kulland\u0131rd\u0131\u011f\u0131 Krediler:<\/u><\/em> Bankalar\u0131n yurt d\u0131\u015f\u0131 \u015fubelerinin kredi kulland\u0131rmas\u0131 durumunda da Karar h\u00fck\u00fcmleri uygulanacak.<\/li>\n<li><em><u>YP Varl\u0131klar\u0131n Kapsam\u0131<\/u><\/em><em>:<\/em> YP Varl\u0131klar\u0131n kapsam\u0131na, \u015firketlerin sahip oldu\u011fu alt\u0131n veya d\u00f6vize endeksli ya da bunlara ili\u015fkin endeksleri takip\u00a0eden borsa yat\u0131r\u0131m fonlar\u0131n\u0131n kat\u0131lma paylar\u0131 da dahil edildi.<\/li>\n<li><em><u>T\u00fcrk Liras\u0131 Nakdi Kredi Kapsam\u0131:<\/u><\/em> \u015eirketlerin bankalar ile ger\u00e7ekle\u015ftirdikleri swap i\u015flemleri kapsam\u0131nda, spotta\u00a0(alt\u0131n\u00a0dahil) d\u00f6viz verip T\u00fcrk liras\u0131 bor\u00e7land\u0131\u011f\u0131 tutarlar da, ilgili banka taraf\u0131ndan s\u00f6z konusu \u015firkete kulland\u0131r\u0131lan T\u00fcrk liras\u0131 cinsinden nakdi bir ticari kredi olarak ele al\u0131nacak.<\/li>\n<li><em><u>Kapsama Giren Ticari Krediler ve Mevcut Kredilerin Durumu:<\/u><\/em> Rotatif, kredili mevduat hesab\u0131 (&#8220;<strong>KMH<\/strong>&#8220;) veya kurumsal kredi kartlar\u0131 gibi kredi i\u015flemleri yoluyla, Karar tarihinden itibaren ger\u00e7ekle\u015fecek nakdi ticari T\u00fcrk liras\u0131 kredi kulland\u0131r\u0131mlar\u0131na ili\u015fkin olarak \u015firketlerin belge sunma y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc de bu Karar uyar\u0131nca yap\u0131lacak.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Yeni Geli\u015fmeler Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (&#8220;BDDK&#8220;), 24 Haziran 2022 tarih ve 10250 say\u0131l\u0131 bankalar ve finansal kurulu\u015flar d\u0131\u015f\u0131nda [&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-23276","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>BDDK T\u00fcrk Liras\u0131 Kredi K\u0131s\u0131tlamalar\u0131n\u0131 Esnetti<\/title>\n<meta name=\"description\" content=\"Yeni 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