{"status":true,"post":{"id":25818,"user_id":29,"status":1,"type":1,"orde":null,"notification_type":3,"static_post":0,"published_at":"2022-10-24 15:08:44","created_at":"2021-04-01T21:00:00.000000Z","updated_at":"2022-10-24T12:08:44.000000Z","edited_at":"2024-12-17 22:35:21","source_id":null,"post_id":25818,"is_featured":0,"title":"Tasarrufa dayal\u0131 faizsiz finansman art\u0131k lisansl\u0131 faaliyet","slider_title":null,"slider_title_2":null,"slider_spot_title":null,"slider_spot_title_2":null,"home_title":null,"sub_title":null,"category_id":73,"description":null,"content":"  \t\t\t\t\t  \t\t\t\t\t<p style=\"text-align: right;\"><span class=\"large\"><strong>AV. MUHAMMET AKSAN<\/strong><\/span><\/p>  <p><span class=\"large\">\u00dclkemizdeki bireylerin \u00f6zellikle son d\u00f6nemde ba\u015fta konut ve ta\u015f\u0131t olmak \u00fczere sair varl\u0131k edinimlerinde \u00f6zel firmalar arac\u0131l\u0131\u011f\u0131yla tasarrufa dayal\u0131 faizsiz finansman sistemine dahil olduklar\u0131 s\u0131kl\u0131kla g\u00f6r\u00fcl\u00fcyor. Nitekim, yine son d\u00f6nemde bu hizmeti sa\u011flayan firma say\u0131s\u0131nda \u00f6nemli bir art\u0131\u015f oldu.<\/span><br><span class=\"large\"><\/span><br><span class=\"large\"> Bu kurumlar taraf\u0131ndan sa\u011flanan hizmetler teknik olarak incelendi\u011finde, sunulan hizmetin bir finansal arac\u0131l\u0131k hizmeti niteli\u011finde oldu\u011fu g\u00f6r\u00fcl\u00fcyor. Bu ba\u011flamda da finansal hizmetlerin T\u00fcrkiye\u2019de \u00f6zel kanunlar ile lisansl\u0131 faaliyetler olarak d\u00fczenlenmekte olmas\u0131ndan hareketle, tasarrufa dayal\u0131 faizsiz finansman sistemi kapsam\u0131ndaki faaliyetlerin de benzer d\u00fczenlemelere tabi tutulmas\u0131 gereklili\u011fi sonucu do\u011fuyor.<\/span><br><span class=\"large\"><\/span><br><span class=\"large\"> Ge\u00e7ti\u011fimiz y\u0131l i\u00e7erisinde bahse konu mevzuat gereklili\u011fi s\u0131k s\u0131k g\u00fcndeme geldi ve bu ba\u011flamda Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK) taraf\u0131ndan \u00e7al\u0131\u015fmalar yap\u0131ld\u0131. Akabinde 7 Mart 2021 tarih ve 31416 say\u0131l\u0131 Resmi Gazete\u2019de yay\u0131mlanarak y\u00fcr\u00fcrl\u00fc\u011fe giren 7292 say\u0131l\u0131 Finansal Kiralama, Faktoring ve Finansman \u015eirketleri Kanunu ile Baz\u0131 Kanunlarda De\u011fi\u015fiklik Yap\u0131lmas\u0131na Dair Kanun ile s\u00f6z konusu sekt\u00f6r, art\u0131k lisansl\u0131 faaliyet kapsam\u0131na al\u0131nd\u0131.<\/span><br><span class=\"large\"><\/span><br><span class=\"large\"> <strong>KANUN NELER GET\u0130R\u0130YOR?<\/strong><\/span><br><span class=\"large\"><\/span><br><span class=\"large\"> \u00d6ncelikle, kanunun ismi\u2018Finansal Kiralama, Faktoring, Finansman ve Tasarruf Finansman \u015eirketleri Kanunu\u2019 (6361 Say\u0131l\u0131 Kanun) olarak ve Finansal Kiralama, Faktoring ve Finansman \u015eirketleri Birli\u011fi\u2019nin ad\u0131\u2018Finansal Kurumlar Birli\u011fi\u2019olarak de\u011fi\u015ftirildi. Ayr\u0131ca kanunun 2\u2019nci maddesinde yer alan \u2018finansman \u015firketi\u2019 ifadesinin \u2018finansman \u015firketi veya tasarruf finansman \u015firketi\u2019 olarak de\u011fi\u015ftirilmesi ile bu \u015firketlerin de kanun kapsam\u0131ndaki d\u00fczenlemelere tabi k\u0131l\u0131nmas\u0131 sa\u011fland\u0131.<\/span><br><span class=\"large\"><\/span><br><span class=\"large\"> <strong>F\u0130NANSAL KURUMLAR B\u0130RL\u0130\u011e\u0130\u2019NE \u00dcYEL\u0130K<\/strong><\/span><br><span class=\"large\"><\/span><br><span class=\"large\"> Kanun ile birlikte tasarruf finansman\u0131 \u015firketleri, varl\u0131k y\u00f6netim \u015firketleri ile BDDK g\u00f6zetim ve denetimine tabi di\u011fer kurulu\u015flardan uygun g\u00f6r\u00fclenler de Birli\u011fe faaliyet yerini ald\u0131klar\u0131 tarihten itibaren bir ay i\u00e7inde \u00fcye olacaklar. <\/span><br><span class=\"large\"><\/span><br><span class=\"large\"> Kanunun y\u00fcr\u00fcrl\u00fc\u011fe girdi\u011fi tarihte halihaz\u0131rda tasarruf finansman\u0131 faaliyetini y\u00fcr\u00fcten \u015firketler, y\u00fcr\u00fcrl\u00fck tarihinden itibaren 1 ay i\u00e7inde BDDK\u2019ya ba\u015fvurmak ve ba\u015fvuru s\u0131ras\u0131nda durumlar\u0131n\u0131n en ge\u00e7 6 ay i\u00e7inde kanun h\u00fck\u00fcmlerine uygun hale gelece\u011fini belirtmek zorunda. Aksi halde kanuna uyumlu hale gelmeme durumunda veya yeni h\u00fck\u00fcmleri ihlal halinde, idari para cezalar\u0131ndan ba\u015flayarak, BDDK\u2019n\u0131n \u015firketin tasfiyesine karar verebilme ve hatta hapis cezalar\u0131na kadar geni\u015f bir yelpazede yapt\u0131r\u0131mlarla kar\u015f\u0131 kar\u015f\u0131ya kal\u0131nabilme riski s\u00f6z konusu.<\/span><br><span class=\"large\"><\/span><br><span class=\"large\"> <strong>M\u00dc\u015eTER\u0130LER \u0130LE \u0130MZALANAN S\u00d6ZLE\u015eMELER<\/strong><\/span><br><span class=\"large\"><\/span><br><span class=\"large\"> Kanunun y\u00fcr\u00fcrl\u00fc\u011fe girmesinden \u00f6nce akdedilen s\u00f6zle\u015fmeler, kanunda ve ilgili mevzuatta yer alan d\u00fczenlemelere g\u00f6re tadil olmaks\u0131z\u0131n kullan\u0131lmaya devam edilebilecek. Kanun kapsam\u0131nda BDDK\u2019ya mevcut s\u00f6zle\u015fmelerdeki tahsisat tarihlerini \u00f6teleme yetkisi de veriliyor.<\/span><br><span class=\"large\"><\/span><br><span class=\"large\"> <strong>ASGAR\u0130 \u00d6DENM\u0130\u015e SERMAYE TUTARI <\/strong><\/span><br><span class=\"large\"><\/span><br><span class=\"large\"> Kanun ile birlikte kanuna tabi di\u011fer \u015firketlerden farkl\u0131 olarak tasarruf finansman \u015firketlerininasgari \u00f6denmi\u015f nakdi sermayesi50 milyon TL yerine100 milyon TLolarak belirlendi.<\/span><br><span class=\"large\"><\/span><br><span class=\"large\"> \u00d6zetle, kanunda belirtilen tarihlere kadar ilgili uyumla\u015ft\u0131rma s\u00fcrecinin ger\u00e7ekle\u015ftirilmesi gerekiyor. Bu ba\u011flamda, aksiyon planlar\u0131n\u0131n h\u0131zl\u0131ca haz\u0131rlanmas\u0131, \u00f6zellikle birle\u015fme ve b\u00f6l\u00fcnme kararlar\u0131 al\u0131nm\u0131\u015f ise s\u00fcre\u00e7lerin ivedilikle planlamas\u0131 veyahut tasfiye karar\u0131 al\u0131nm\u0131\u015f ise s\u00fcrecin ba\u015flat\u0131lmas\u0131 \u00f6nem arz ediyor.<\/span><\/p>  \t\t\t\t","slug":"tasarrufa-dayali-faizsiz-finansman-artik-lisansli-faaliyet","tags":"K\u00f6\u015fe Yaz\u0131s\u0131","meta_title":"Tasarrufa dayal\u0131 faizsiz finansman art\u0131k lisansl\u0131 faaliyet","meta_description":"AV. MUHAMMET AKSAN","meta_keywords":"K\u00f6\u015fe Yaz\u0131s\u0131","news_cover_min":null,"news_cover":null,"news_video_min":null,"news_video":null,"view_count":1134,"cropped_1200x675":null,"user":{"id":29,"name":"MUHAMMET","surname":"AKSAN","email":"av-muhammet-aksan@gmail.com","slug":"av-muhammet-aksan","avatar":"\/front\/uploads\/avatar\/1733691600IewiFiiT1aT8ZK3.webp","status":1,"role":1,"email_verified_at":null,"orde":null,"created_at":"2022-10-24T10:51:30.000000Z","updated_at":"2024-12-18T09:45:38.000000Z","seo_title":null,"seo_description":null},"translations":[{"id":25917,"is_featured":0,"is_amp":0,"is_ads":0,"ads_link":null,"post_id":25818,"locale":"tr","category_id":73,"title":"Tasarrufa dayal\u0131 faizsiz finansman art\u0131k lisansl\u0131 faaliyet","home_title":null,"sub_title":null,"slider_title":null,"slider_title_2":null,"slider_spot_title":null,"slider_spot_title_2":null,"subtitleuse":0,"description":null,"content":"  \t\t\t\t\t  \t\t\t\t\t<p style=\"text-align: right;\"><span class=\"large\"><strong>AV. MUHAMMET AKSAN<\/strong><\/span><\/p>  <p><span class=\"large\">\u00dclkemizdeki bireylerin \u00f6zellikle son d\u00f6nemde ba\u015fta konut ve ta\u015f\u0131t olmak \u00fczere sair varl\u0131k edinimlerinde \u00f6zel firmalar arac\u0131l\u0131\u011f\u0131yla tasarrufa dayal\u0131 faizsiz finansman sistemine dahil olduklar\u0131 s\u0131kl\u0131kla g\u00f6r\u00fcl\u00fcyor. Nitekim, yine son d\u00f6nemde bu hizmeti sa\u011flayan firma say\u0131s\u0131nda \u00f6nemli bir art\u0131\u015f oldu.<\/span><br><span class=\"large\"><\/span><br><span class=\"large\"> Bu kurumlar taraf\u0131ndan sa\u011flanan hizmetler teknik olarak incelendi\u011finde, sunulan hizmetin bir finansal arac\u0131l\u0131k hizmeti niteli\u011finde oldu\u011fu g\u00f6r\u00fcl\u00fcyor. Bu ba\u011flamda da finansal hizmetlerin T\u00fcrkiye\u2019de \u00f6zel kanunlar ile lisansl\u0131 faaliyetler olarak d\u00fczenlenmekte olmas\u0131ndan hareketle, tasarrufa dayal\u0131 faizsiz finansman sistemi kapsam\u0131ndaki faaliyetlerin de benzer d\u00fczenlemelere tabi tutulmas\u0131 gereklili\u011fi sonucu do\u011fuyor.<\/span><br><span class=\"large\"><\/span><br><span class=\"large\"> Ge\u00e7ti\u011fimiz y\u0131l i\u00e7erisinde bahse konu mevzuat gereklili\u011fi s\u0131k s\u0131k g\u00fcndeme geldi ve bu ba\u011flamda Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK) taraf\u0131ndan \u00e7al\u0131\u015fmalar yap\u0131ld\u0131. Akabinde 7 Mart 2021 tarih ve 31416 say\u0131l\u0131 Resmi Gazete\u2019de yay\u0131mlanarak y\u00fcr\u00fcrl\u00fc\u011fe giren 7292 say\u0131l\u0131 Finansal Kiralama, Faktoring ve Finansman \u015eirketleri Kanunu ile Baz\u0131 Kanunlarda De\u011fi\u015fiklik Yap\u0131lmas\u0131na Dair Kanun ile s\u00f6z konusu sekt\u00f6r, art\u0131k lisansl\u0131 faaliyet kapsam\u0131na al\u0131nd\u0131.<\/span><br><span class=\"large\"><\/span><br><span class=\"large\"> <strong>KANUN NELER GET\u0130R\u0130YOR?<\/strong><\/span><br><span class=\"large\"><\/span><br><span class=\"large\"> \u00d6ncelikle, kanunun ismi\u2018Finansal Kiralama, Faktoring, Finansman ve Tasarruf Finansman \u015eirketleri Kanunu\u2019 (6361 Say\u0131l\u0131 Kanun) olarak ve Finansal Kiralama, Faktoring ve Finansman \u015eirketleri Birli\u011fi\u2019nin ad\u0131\u2018Finansal Kurumlar Birli\u011fi\u2019olarak de\u011fi\u015ftirildi. Ayr\u0131ca kanunun 2\u2019nci maddesinde yer alan \u2018finansman \u015firketi\u2019 ifadesinin \u2018finansman \u015firketi veya tasarruf finansman \u015firketi\u2019 olarak de\u011fi\u015ftirilmesi ile bu \u015firketlerin de kanun kapsam\u0131ndaki d\u00fczenlemelere tabi k\u0131l\u0131nmas\u0131 sa\u011fland\u0131.<\/span><br><span class=\"large\"><\/span><br><span class=\"large\"> <strong>F\u0130NANSAL KURUMLAR B\u0130RL\u0130\u011e\u0130\u2019NE \u00dcYEL\u0130K<\/strong><\/span><br><span class=\"large\"><\/span><br><span class=\"large\"> Kanun ile birlikte tasarruf finansman\u0131 \u015firketleri, varl\u0131k y\u00f6netim \u015firketleri ile BDDK g\u00f6zetim ve denetimine tabi di\u011fer kurulu\u015flardan uygun g\u00f6r\u00fclenler de Birli\u011fe faaliyet yerini ald\u0131klar\u0131 tarihten itibaren bir ay i\u00e7inde \u00fcye olacaklar. <\/span><br><span class=\"large\"><\/span><br><span class=\"large\"> Kanunun y\u00fcr\u00fcrl\u00fc\u011fe girdi\u011fi tarihte halihaz\u0131rda tasarruf finansman\u0131 faaliyetini y\u00fcr\u00fcten \u015firketler, y\u00fcr\u00fcrl\u00fck tarihinden itibaren 1 ay i\u00e7inde BDDK\u2019ya ba\u015fvurmak ve ba\u015fvuru s\u0131ras\u0131nda durumlar\u0131n\u0131n en ge\u00e7 6 ay i\u00e7inde kanun h\u00fck\u00fcmlerine uygun hale gelece\u011fini belirtmek zorunda. Aksi halde kanuna uyumlu hale gelmeme durumunda veya yeni h\u00fck\u00fcmleri ihlal halinde, idari para cezalar\u0131ndan ba\u015flayarak, BDDK\u2019n\u0131n \u015firketin tasfiyesine karar verebilme ve hatta hapis cezalar\u0131na kadar geni\u015f bir yelpazede yapt\u0131r\u0131mlarla kar\u015f\u0131 kar\u015f\u0131ya kal\u0131nabilme riski s\u00f6z konusu.<\/span><br><span class=\"large\"><\/span><br><span class=\"large\"> <strong>M\u00dc\u015eTER\u0130LER \u0130LE \u0130MZALANAN S\u00d6ZLE\u015eMELER<\/strong><\/span><br><span class=\"large\"><\/span><br><span class=\"large\"> Kanunun y\u00fcr\u00fcrl\u00fc\u011fe girmesinden \u00f6nce akdedilen s\u00f6zle\u015fmeler, kanunda ve ilgili mevzuatta yer alan d\u00fczenlemelere g\u00f6re tadil olmaks\u0131z\u0131n kullan\u0131lmaya devam edilebilecek. Kanun kapsam\u0131nda BDDK\u2019ya mevcut s\u00f6zle\u015fmelerdeki tahsisat tarihlerini \u00f6teleme yetkisi de veriliyor.<\/span><br><span class=\"large\"><\/span><br><span class=\"large\"> <strong>ASGAR\u0130 \u00d6DENM\u0130\u015e SERMAYE TUTARI <\/strong><\/span><br><span class=\"large\"><\/span><br><span class=\"large\"> Kanun ile birlikte kanuna tabi di\u011fer \u015firketlerden farkl\u0131 olarak tasarruf finansman \u015firketlerininasgari \u00f6denmi\u015f nakdi sermayesi50 milyon TL yerine100 milyon TLolarak belirlendi.<\/span><br><span class=\"large\"><\/span><br><span class=\"large\"> \u00d6zetle, kanunda belirtilen tarihlere kadar ilgili uyumla\u015ft\u0131rma s\u00fcrecinin ger\u00e7ekle\u015ftirilmesi gerekiyor. Bu ba\u011flamda, aksiyon planlar\u0131n\u0131n h\u0131zl\u0131ca haz\u0131rlanmas\u0131, \u00f6zellikle birle\u015fme ve b\u00f6l\u00fcnme kararlar\u0131 al\u0131nm\u0131\u015f ise s\u00fcre\u00e7lerin ivedilikle planlamas\u0131 veyahut tasfiye karar\u0131 al\u0131nm\u0131\u015f ise s\u00fcrecin ba\u015flat\u0131lmas\u0131 \u00f6nem arz ediyor.<\/span><\/p>  \t\t\t\t","slug":"tasarrufa-dayali-faizsiz-finansman-artik-lisansli-faaliyet","orjinalimage":null,"news_cover_min":null,"news_cover":null,"news_video_min":null,"news_video":null,"cropped_638x552":null,"cropped_310x208":null,"cropped_416x247":null,"cropped_197x247":null,"cropped_416x600":null,"cropped_1200x675":null,"tags":"K\u00f6\u015fe Yaz\u0131s\u0131","meta_title":"Tasarrufa dayal\u0131 faizsiz finansman art\u0131k lisansl\u0131 faaliyet","meta_description":"AV. MUHAMMET AKSAN","meta_keywords":"K\u00f6\u015fe Yaz\u0131s\u0131","view_count":1134,"yt":0,"ytid":"","ytimage":null,"imgdate":"2000-01-01 00:00:00","cuff_cover":null,"cropped_358x214":null,"cropped_842x474":null}]}}