{"id":26515,"date":"2023-09-08T09:03:34","date_gmt":"2023-09-08T09:03:34","guid":{"rendered":"https:\/\/www.esin.av.tr\/?p=26515"},"modified":"2023-09-08T09:03:34","modified_gmt":"2023-09-08T09:03:34","slug":"bddk-turk-lirasi-kredi-kisitlamalarini-netlestirdi","status":"publish","type":"post","link":"https:\/\/www.esin.av.tr\/tr\/2023\/09\/08\/bddk-turk-lirasi-kredi-kisitlamalarini-netlestirdi\/","title":{"rendered":"BDDK T\u00fcrk liras\u0131 kredi k\u0131s\u0131tlamalar\u0131n\u0131 netle\u015ftirdi"},"content":{"rendered":"

Yeni Geli\u015fme<\/strong><\/h3>\n

Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (\u201cBDDK<\/strong>\u201d), 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 (\u201cK\u0131s\u0131tlama Karar\u0131<\/strong>\u201d) 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 bir karar (\u201c10265 Say\u0131l\u0131 Karar<\/strong>\u201d) ve k\u0131s\u0131tlamalar\u0131n s\u0131k\u0131la\u015ft\u0131r\u0131lmas\u0131 i\u00e7in 21 Ekim 2022 tarih ve 10389 say\u0131l\u0131 bir karar (\u201cS\u0131k\u0131la\u015ft\u0131rma Karar\u0131<\/strong>\u201d ve K\u0131s\u0131tlama Karar\u0131 ile 10265 Say\u0131l\u0131 Karar’la birlikte \u201cKararlar<\/strong>\u201d) yay\u0131mlam\u0131\u015ft\u0131.<\/p>\n

T\u00fcrk Liras\u0131 kredi k\u0131s\u0131tlamalar\u0131na ili\u015fkin olarak\u00a027 Haziran 2022<\/a>,\u00a019 Temmuz 2022<\/a>\u00a0ve 24 Ekim 2022<\/a> tarihli mevzuat b\u00fcltenlerimizi buradan inceleyebilirsiniz.<\/p>\n

BDDK 4 Eyl\u00fcl 2023 tarih ve 10659 say\u0131l\u0131 karar\u0131 (\u201c10659 Say\u0131l\u0131 Karar<\/strong>\u201d) ile s\u00f6z konusu k\u0131s\u0131tlamalar\u0131n uygulamas\u0131n\u0131 netle\u015ftirdi.<\/p>\n

10659 Say\u0131l\u0131 Karar neler getiriyor? <\/strong><\/h3>\n

Kararlar uyar\u0131nca bankalar ve finansal kurulu\u015flar d\u0131\u015f\u0131nda ba\u011f\u0131ms\u0131z denetime tabi \u015firketlerin (\u201c\u015eirketler<\/strong>\u201d) T\u00fcrk Liras\u0131 nakdi kredi kullanabilmesi i\u00e7in bu \u015eirketler’in yabanc\u0131 para varl\u0131klar\u0131n\u0131n (\u201cYP Varl\u0131k<\/strong>\u201d) 10 milyon T\u00fcrk Liras\u0131\u2019n\u0131 a\u015fmayaca\u011f\u0131 ve YP Varl\u0131klar\u0131 10 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 %5\u2019ini ge\u00e7meyece\u011fini 1 Kas\u0131m 2022 tarihinden itibaren ge\u00e7erli olacak \u015fekilde beyan ve taahh\u00fct etmesi 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 gerekiyordu.<\/p>\n

Bu \u00e7er\u00e7evede \u015eirketler’in yukar\u0131da belirlenen s\u00fcreler i\u00e7inde ba\u011f\u0131ms\u0131z denetim kurulu\u015fu ya da yeminli mali m\u00fc\u015favir (\u201cYMM<\/strong>\u201d) 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\u0131lm\u0131yor ve banka taraf\u0131ndan yap\u0131lacak bir bildirim uyar\u0131nca, s\u00f6z konusu \u015firketlere 1 Kas\u0131m 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 uygulan\u0131yordu.<\/p>\n

10659 Say\u0131l\u0131 Karar ile birlikte s\u00f6z konusu belgelerin s\u00fcresi i\u00e7erisinde veya 10265 Say\u0131l\u0131 Karar’da belirlenen usule uygun olarak tevdi edilmemesi (yabanc\u0131 para nakdi varl\u0131k tespiti kredi kulland\u0131r\u0131m tarihinde ya da kredi kulland\u0131r\u0131lm\u0131\u015f say\u0131lan tarihte yap\u0131lmayan, belgeleri Kararlar uyar\u0131nca yetkisiz ki\u015filer taraf\u0131ndan imzalanan vs.) sebebiyle yapt\u0131r\u0131m uygulanan \u015eirketler’in, Kararlar uyar\u0131nca kredi kulland\u0131r\u0131lan ya da kredi kulland\u0131r\u0131lm\u0131\u015f say\u0131lan tarihler itibar\u0131yla durumlar\u0131n\u0131n belirlenmi\u015f olan s\u0131n\u0131rlamalara ayk\u0131r\u0131l\u0131k te\u015fkil etmedi\u011fi veya \u015eirketler’in ba\u011f\u0131ms\u0131z denetime tabi olmad\u0131\u011f\u0131n\u0131 Kararlar’a uygun i\u00e7erikte haz\u0131rlanan ve ilgisine g\u00f6re ba\u011f\u0131ms\u0131z denetim kurulu\u015flar\u0131nca, YMM ya da serbest muhasebeci mali m\u00fc\u015favirlerce (\u201cSMMM<\/strong>\u201d) onaylanan belgeler ile kredi ili\u015fkisi i\u00e7inde bulunulan t\u00fcm bankalara ve finansal kurulu\u015flara iletmeleri halinde bu \u015eirketler’e uygulanan yapt\u0131r\u0131mlar kald\u0131r\u0131lacak.<\/p>\n

Belgeler uyar\u0131nca YP Varl\u0131klar\u0131 10 milyon T\u00fcrk Liras\u0131n\u0131 a\u015fan ve YP Varl\u0131klar\u0131 aktif toplam\u0131ndan veya son bir y\u0131ll\u0131k net sat\u0131\u015f has\u0131lat\u0131ndan b\u00fcy\u00fck olan\u0131n\u0131n %5\u2019ini ge\u00e7ti\u011fi veya ba\u011f\u0131ms\u0131z denetime tabi olmad\u0131klar\u0131na ili\u015fkin ger\u00e7e\u011fe ayk\u0131r\u0131 beyanda bulunduklar\u0131 tespit edilen \u015eirketler’in;<\/p>\n

    \n
  1. Mevcut durumlar\u0131n\u0131n yukar\u0131da verilen s\u0131n\u0131rlamalara ayk\u0131r\u0131l\u0131k te\u015fkil etmedi\u011fini Kararlar’a uygun i\u00e7erikte haz\u0131rlanan ve ilgisine g\u00f6re ba\u011f\u0131ms\u0131z denetim kurulu\u015flar\u0131nca ya da YMM\u2019lerce onaylanan belgeler \u00fczerinden kredi ili\u015fkisi i\u00e7inde bulunulan t\u00fcm bankalara ve finansal kurulu\u015flara iletmeleri ve;<\/li>\n
  2. Ayk\u0131r\u0131l\u0131\u011f\u0131n giderildi\u011finin belgelendirildi\u011fi tarih ile ayk\u0131r\u0131l\u0131\u011f\u0131n giderilmesini takip eden \u00fc\u00e7 ayl\u0131k hesap d\u00f6neminin ba\u015flang\u0131\u00e7 tarihi aras\u0131ndaki i\u015f g\u00fcnleri itibar\u0131yla hesaplanan s\u0131n\u0131rlamalar\u0131n ortalamalar\u0131 ile ayk\u0131r\u0131l\u0131\u011f\u0131n giderilmesini takip eden \u00fc\u00e7 ayl\u0131k hesap d\u00f6nemi i\u00e7erisindeki i\u015f g\u00fcnleri itibar\u0131yla hesaplanan s\u0131n\u0131rlamalar\u0131n ortalamalar\u0131n\u0131n S\u0131k\u0131la\u015ft\u0131rma Karar\u0131 kapsam\u0131nda belirlenmi\u015f olan s\u0131n\u0131rlamalar\u0131 sa\u011flayaca\u011f\u0131n\u0131 kredi ili\u015fkisi i\u00e7inde bulunulan t\u00fcm banka ve di\u011fer finansal kurulu\u015flara beyan ve taahh\u00fct etmeleri durumunda bu \u015eirketler’e uygulanan yapt\u0131r\u0131mlar kald\u0131r\u0131lacak.<\/li>\n<\/ol>\n

    10659 Say\u0131l\u0131 Karar kapsam\u0131nda, s\u00f6z konusu \u015eirketler’in yukar\u0131da (b) f\u0131kras\u0131 uyar\u0131nca verdi\u011fi beyan ve taahh\u00fcd\u00fcn\u00fcn do\u011frulu\u011funu g\u00f6steren Kararlar’a uygun i\u00e7erikte haz\u0131rlanan ve ilgisine g\u00f6re ba\u011f\u0131ms\u0131z denetim kurulu\u015flar\u0131nca ya da YMM\u2019lerce onaylanan belgeleri ilgili \u00fc\u00e7 ayl\u0131k hesap d\u00f6nemini izleyen ay\u0131n son i\u015f g\u00fcn\u00fc ak\u015fam\u0131na kadar kredi ili\u015fkisi i\u00e7inde bulunulan t\u00fcm bankalara ve di\u011fer finansal kurulu\u015flara iletmesi gerekiyor.<\/p>\n

    Ayr\u0131ca (b) f\u0131kras\u0131 uyar\u0131nca \u015eirketler taraf\u0131ndan verilen beyan ve taahh\u00fcd\u00fcn hatal\u0131 ya da ger\u00e7e\u011fe ayk\u0131r\u0131 oldu\u011funun anla\u015f\u0131lmas\u0131 durumunda, yukar\u0131da a\u00e7\u0131klanan yapt\u0131r\u0131mlar bu ayk\u0131r\u0131l\u0131\u011f\u0131n bildirildi\u011fi tarihten itibaren kesintisiz olarak alt\u0131 ay boyunca uygulanacak ve \u015eirketlerin yukar\u0131da (a) ve (b) f\u0131kralar\u0131nda belirtilen usul ve esaslar kapsam\u0131nda ayk\u0131r\u0131l\u0131k kald\u0131r\u0131lma talebinin tekrar\u0131n\u0131n ancak bahse konu alt\u0131 ay sonras\u0131nda dikkate al\u0131nabilecek.<\/p>\n

    S\u00f6z konusu \u015eirketler’in, 10659 Say\u0131l\u0131 Karar kapsam\u0131nda ayk\u0131r\u0131l\u0131klar\u0131n\u0131 gidererek i\u015f g\u00fcnleri itibar\u0131yla hesaplanan s\u0131n\u0131rlamalar\u0131n ortalamalar\u0131na ili\u015fkin beyan ve taahh\u00fctlerini onaylayan belgeleri sunacaklar\u0131 s\u00fcre boyunca TL cinsinden yeni bir nakdi kredi kullanmalar\u0131 durumunda Kararlar’da belirlenmi\u015f olan usul ve esaslar \u00e7er\u00e7evesinde ilave belge vermelerine gerek olmayacak.<\/p>\n","protected":false},"excerpt":{"rendered":"

    Yeni Geli\u015fme Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (\u201cBDDK\u201d), 24 Haziran 2022 tarih ve 10250 say\u0131l\u0131 bankalar ve finansal kurulu\u015flar d\u0131\u015f\u0131nda […]<\/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-26515","post","type-post","status-publish","format-standard","hentry","category-legal-alerts","tag-banking-finance-tr"],"acf":[],"yoast_head":"\nBDDK T\u00fcrk liras\u0131 kredi k\u0131s\u0131tlamalar\u0131n\u0131 netle\u015ftirdi<\/title>\n<meta name=\"description\" content=\"Yeni Geli\u015fme Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (\u201cBDDK\u201d), 24 Haziran 2022 tarih ve 10250 say\u0131l\u0131 bankalar ve finansal kurulu\u015flar d\u0131\u015f\u0131nda kalan ve\" 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