{"id":8923,"date":"2021-08-13T09:17:30","date_gmt":"2021-08-13T06:17:30","guid":{"rendered":"https:\/\/www.atlihukuk.com\/?p=8923"},"modified":"2021-08-13T09:46:25","modified_gmt":"2021-08-13T06:46:25","slug":"5411-sayili-bankacilik-kanununa-gore-risk-grubu-tanimi","status":"publish","type":"post","link":"https:\/\/www.atlihukuk.com\/index.php\/2021\/08\/13\/5411-sayili-bankacilik-kanununa-gore-risk-grubu-tanimi\/","title":{"rendered":"5411 Say\u0131l\u0131 Bankac\u0131l\u0131k Kanununa g\u00f6re Risk Grubu Tan\u0131m\u0131"},"content":{"rendered":"

5411 Say\u0131l\u0131 Bankac\u0131l\u0131k Kanunu\u2019nda tan\u0131mlanm\u0131\u015f olan \u201crisk grubuna\u201d dahil edilebilecek ki\u015fi ve kurumlar i\u00e7in bir tak\u0131m \u00f6zel d\u00fczenlemeler yer verilmi\u015ftir. Buna g\u00f6re risk grubuna dahil edilebilecek olan ortakl\u0131klar\u0131n kredi a\u00e7ma yetkisi, bor\u00e7tan sorumluluklar\u0131 hakk\u0131nda d\u00fczenlemeler i\u00e7eren maddeler hakk\u0131nda a\u015fa\u011f\u0131da bilgilendirme yap\u0131lmaktad\u0131r. <\/strong><\/p>\n

\u00a0<\/strong>Risk grubu<\/em><\/p>\n

Madde 49 \u2014<\/strong>\u00a0Bir ger\u00e7ek ki\u015fi ile e\u015fi ve \u00e7ocuklar\u0131, bunlar\u0131n y\u00f6netim kurulu \u00fcyesi veya genel m\u00fcd\u00fcr\u00fc olduklar\u0131 veya bunlar\u0131n ya da bir t\u00fczel ki\u015finin birlikte veya tek ba\u015flar\u0131na, do\u011frudan ya da dolayl\u0131 olarak kontrol ettikleri ya da s\u0131n\u0131rs\u0131z sorumlulukla kat\u0131ld\u0131klar\u0131 ortakl\u0131klar bir risk grubunu olu\u015fturur.<\/p>\n

Bankalar\u0131n Kredi \u0130\u015flemlerine ili\u015fkin Y\u00f6netmelik <\/strong><\/p>\n

Ayn\u0131 Risk Grubuna\u00a0Dahil\u00a0Edilecek Ger\u00e7ek ve T\u00fczel Ki\u015filer, Kredi A\u00e7ma Yetkisinin Devri ve Bankan\u0131n D\u00e2hil Oldu\u011fu Risk Grubu ve Mensuplar\u0131 ile \u0130li\u015fkiler ve Kredi Komitesi (4)<\/p>\n

Ayn\u0131 risk grubuna dahil edilecek ger\u00e7ek ve t\u00fczel ki\u015filer<\/strong><\/p>\n

MADDE 4<\/strong> \u2013\u00a0(1) Birden fazla ortakl\u0131kta genel m\u00fcd\u00fcr, y\u00f6netim kurulu \u00fcyesi veya y\u00f6netim kurulu ba\u015fkan\u0131 olarak g\u00f6rev yapanlar bak\u0131m\u0131ndan ayn\u0131 risk grubuna dahil edilecek ger\u00e7ek ve t\u00fczel ki\u015filerin bankalarca tespitinde;<\/p>\n

    \n
  1. a) Bu ki\u015filerin g\u00f6rev ald\u0131klar\u0131 ortakl\u0131klarda, ilgili mevzuat uyar\u0131nca edinmeleri gerekenden fazla miktarda hisseye sahip olmalar\u0131,<\/li>\n
  2. b) Bu ki\u015filerin g\u00f6rev ald\u0131klar\u0131 ortakl\u0131klar aras\u0131nda kontrol ili\u015fkisinin bulunmas\u0131 veya birinin \u00f6deme g\u00fc\u00e7l\u00fc\u011f\u00fcne d\u00fc\u015fmesinin di\u011fer bir veya birka\u00e7\u0131n\u0131n \u00f6deme g\u00fc\u00e7l\u00fc\u011f\u00fcne d\u00fc\u015fmesi sonucunu do\u011furacak boyutta kefalet, garanti veya benzeri ili\u015fkinin varl\u0131\u011f\u0131,<\/strong><\/li>\n
  3. c) G\u00f6rev al\u0131nan ortakl\u0131klarda kontrol\u00fc elinde bulunduran ger\u00e7ek ki\u015fi ortaklar ile \u00fc\u00e7\u00fcnc\u00fc dereceye kadar kan veya ikinci dereceye kadar s\u0131hri h\u0131s\u0131m derecesinde akrabal\u0131k ili\u015fkisi bulunmas\u0131<\/strong>,<\/li>\n<\/ol>\n

    \u00e7) Bu ki\u015filere, vas\u0131f ve tecr\u00fcbeleriyle m\u00fctenasip \u00f6zl\u00fck haklar\u0131 \u00fczerinde bir hakk\u0131n tan\u0131nmas\u0131<\/p>\n

    hususlar\u0131 dikkate al\u0131n\u0131r. Bu hususlar\u0131n birinin ya da birka\u00e7\u0131n\u0131n varl\u0131\u011f\u0131 halinde y\u00f6netim kurulu ba\u015fkan veya \u00fcyesi olarak g\u00f6rev yapanlarla bahse konu ortakl\u0131klar ayn\u0131 risk grubuna dahil edilir.<\/p>\n

    Banka kredi d\u00fczenini de riskleri temel alarak \u015fekillendirmi\u015ftir. Bankac\u0131l\u0131k i\u015flemlerinin temelini kredi faaliyetleri olu\u015fturmaktad\u0131r. Verilen her kredi banka i\u00e7in geri d\u00f6nmeme riskini de b\u00fcnyesinde bar\u0131nd\u0131r\u0131r. Bir ba\u015fka ifadeyle bankac\u0131l\u0131kta kredi e\u015fittir risktir. Geri d\u00f6nmeme riskinin b\u00fcy\u00fckl\u00fc\u011f\u00fc de kredinin kimlere ve hangi oranlarda verildi\u011fi ile do\u011fru orant\u0131l\u0131d\u0131r. Bu anlamda ayn\u0131 risk grubundakiler tek ki\u015fi olarak de\u011ferlendirilecektir.<\/p>\n

    Sonu\u00e7: Yeni kurulacak \u015firketlerde yer alacak y\u00f6netim kurulu \u00fcyeleri di\u011fer \u015firketlere ya da ki\u015fi baz\u0131nda di\u011fer \u015firketlerdeki y\u00f6netim kurulu \u00fcyelerine kefil iseler veya aralar\u0131nda akrabal\u0131k ili\u015fkileri varsa ayn\u0131 risk grubunu olu\u015fturaca\u011f\u0131ndan bankalardan kredi temini konusunda zorluk ya\u015fanabilir. Garanti veya kefalet durumunun olup olmad\u0131\u011f\u0131n\u0131 bilmemekle birlikte Y\u00f6netmeli\u011fin 4.maddesinin c bendi uyar\u0131nca akrabal\u0131k ili\u015fkilerine dayal\u0131 olarak ortakl\u0131klar\u0131n ayn\u0131 risk grubunda say\u0131labilece\u011fi kanaatindeyiz. Ancak bu hususta mali m\u00fc\u015favirlerin de g\u00f6r\u00fc\u015f\u00fcn\u00fcn al\u0131nmas\u0131 kanaatindeyiz. Neticede ayn\u0131 risk grubunda olmakla birlikte \u00f6rne\u011fin bir ortakl\u0131\u011f\u0131n \u00f6deme g\u00fc\u00e7l\u00fc\u011f\u00fcne d\u00fc\u015fmesi halinde kredi teminin ayn\u0131 risk grubundaki di\u011fer ortakl\u0131\u011fa sa\u011flanmamas\u0131 riski g\u00fcndemde olmaktad\u0131r. <\/strong><\/p>\n

    \n

    Sayg\u0131lar\u0131m\u0131zla,<\/p>\n

    ATLI HUKUK<\/strong><\/p>\n

    Av. V. Alper ATLI<\/strong><\/p>\n

    \n","protected":false},"excerpt":{"rendered":"

    5411 Say\u0131l\u0131 Bankac\u0131l\u0131k Kanunu\u2019nda tan\u0131mlanm\u0131\u015f olan \u201crisk grubuna\u201d dahil edilebilecek ki\u015fi ve kurumlar i\u00e7in bir tak\u0131m \u00f6zel d\u00fczenlemeler yer verilmi\u015ftir. Buna g\u00f6re risk grubuna dahil edilebilecek olan ortakl\u0131klar\u0131n kredi a\u00e7ma yetkisi, bor\u00e7tan sorumluluklar\u0131 hakk\u0131nda d\u00fczenlemeler i\u00e7eren maddeler hakk\u0131nda a\u015fa\u011f\u0131da bilgilendirme yap\u0131lmaktad\u0131r. \u00a0Risk grubu Madde 49 \u2014\u00a0Bir ger\u00e7ek ki\u015fi ile e\u015fi ve \u00e7ocuklar\u0131, bunlar\u0131n y\u00f6netim kurulu […]<\/p>\n","protected":false},"author":1,"featured_media":8924,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-8923","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business"],"_links":{"self":[{"href":"https:\/\/www.atlihukuk.com\/index.php\/wp-json\/wp\/v2\/posts\/8923","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.atlihukuk.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.atlihukuk.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.atlihukuk.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.atlihukuk.com\/index.php\/wp-json\/wp\/v2\/comments?post=8923"}],"version-history":[{"count":1,"href":"https:\/\/www.atlihukuk.com\/index.php\/wp-json\/wp\/v2\/posts\/8923\/revisions"}],"predecessor-version":[{"id":8925,"href":"https:\/\/www.atlihukuk.com\/index.php\/wp-json\/wp\/v2\/posts\/8923\/revisions\/8925"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.atlihukuk.com\/index.php\/wp-json\/wp\/v2\/media\/8924"}],"wp:attachment":[{"href":"https:\/\/www.atlihukuk.com\/index.php\/wp-json\/wp\/v2\/media?parent=8923"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.atlihukuk.com\/index.php\/wp-json\/wp\/v2\/categories?post=8923"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.atlihukuk.com\/index.php\/wp-json\/wp\/v2\/tags?post=8923"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}