{"id":2231,"date":"2022-06-29T22:34:08","date_gmt":"2022-06-29T19:34:08","guid":{"rendered":"http:\/\/www.ahmetcemaliadir.com\/tr\/?p=2231"},"modified":"2022-06-29T22:39:07","modified_gmt":"2022-06-29T19:39:07","slug":"10250-sayili-bddk-karari-ile-kredi-kullanimina-doviz-varligi-siniri","status":"publish","type":"post","link":"http:\/\/www.ahmetcemaliadir.com\/tr\/2022\/06\/29\/10250-sayili-bddk-karari-ile-kredi-kullanimina-doviz-varligi-siniri\/","title":{"rendered":"10250 Say\u0131l\u0131 BDDK Karar\u0131 ile Kredi Kullan\u0131m\u0131na D\u00f6viz Varl\u0131\u011f\u0131 S\u0131n\u0131r\u0131"},"content":{"rendered":"\n
\"\"<\/figure>\n\n\n\n

Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurulu\u2019nun 24 Haziran 2022 tarihli ve 10250 say\u0131l\u0131 Karar\u0131 ile T\u00fcrk Liras\u0131 kredi kullan\u0131m\u0131na d\u00f6viz varl\u0131\u011f\u0131 s\u0131n\u0131r\u0131 getirilmi\u015ftir.<\/p>\n\n\n\n

S\u00f6z konusu Karara g\u00f6re, bankalar ve finansal kurulu\u015flar d\u0131\u015f\u0131ndaki, 660 say\u0131l\u0131 Kanun H\u00fckm\u00fcnde Kararname ve ilgili d\u00fczenlemeler uyar\u0131nca ba\u011f\u0131ms\u0131z denetime tabi \u015firketlerin kredi ba\u015fvurusu yapt\u0131klar\u0131 tarih itibar\u0131yla yabanc\u0131 para nakdi varl\u0131klar\u0131n\u0131n (alt\u0131n dahil, efektif d\u00f6viz ile bankalardaki yabanc\u0131 para mevduat) T\u00fcrk Liras\u0131 kar\u015f\u0131l\u0131\u011f\u0131n\u0131n 15 milyon TL\u2019nin \u00fczerinde olmas\u0131 halinde; bu \u015firketlerin yabanc\u0131 para nakdi varl\u0131klar\u0131n\u0131n, en g\u00fcncel finansal tablolar\u0131na g\u00f6re aktif toplam\u0131ndan veya son 1 y\u0131ll\u0131k net sat\u0131\u015f has\u0131lat\u0131ndan b\u00fcy\u00fck olan\u0131n\u0131n y\u00fczde 10\u2019unu a\u015fmas\u0131 halinde, s\u00f6z konusu \u015eirketlere TL cinsinden yeni bir nakdi ticari kredi kulland\u0131r\u0131lmayacakt\u0131r.<\/p>\n\n\n\n

Ge\u00e7ek ki\u015filer s\u00f6z konusu Karar kapsam\u0131na girmemektedir.<\/p>\n\n\n\n

Karar Kapsam\u0131na Dahil Olma \u015eartlar\u0131 ve Kapsama Dahil Olunmayan Haller:<\/p>\n\n\n\n

Herhangi bir \u015firketin bu Karar kapsam\u0131na girebilmesi i\u00e7in a\u015fa\u011f\u0131daki 3 \u015fart\u0131n birden sa\u011flanmas\u0131 gerekmektedir.<\/p>\n\n\n\n

660 say\u0131l\u0131 Kanun H\u00fckm\u00fcnde Kararname ve ilgili d\u00fczenlemeler uyar\u0131nca ba\u011f\u0131ms\u0131z denetime tabi bir \u015firket(\u015eirket) olmas\u0131,
\u015eirketin YP nakdi varl\u0131klar\u0131n\u0131n (alt\u0131n dahil, efektif d\u00f6viz ile bankalardaki YP mevduat\u0131n) TL kar\u015f\u0131l\u0131\u011f\u0131n\u0131n 15 milyon TL\u2019nin \u00fczerinde olmas\u0131,
\u015eirketin YP nakdi varl\u0131klar\u0131n TL kar\u015f\u0131l\u0131\u011f\u0131n\u0131n; aktif toplam\u0131ndan veya son 1 y\u0131ll\u0131k net sat\u0131\u015f has\u0131lat\u0131ndan b\u00fcy\u00fck olan\u0131n\u0131n y\u00fczde 10\u2019unu a\u015fmas\u0131.
Bu de\u011ferlendirmeler konsolide finansal tablo haz\u0131rlama y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc bulunan \u015eirketler i\u00e7in konsolide bilan\u00e7olar \u00fczerinden yap\u0131lacakt\u0131r.<\/p>\n\n\n\n

Kredi Kulland\u0131r\u0131m S\u0131n\u0131rlamas\u0131ndan \u0130stisna Tutulacak Haller:<\/p>\n\n\n\n

Yukar\u0131daki 3 \u015fart\u0131n birden sa\u011flanmas\u0131 nedeniyle kredi kulland\u0131r\u0131m s\u0131n\u0131rlamas\u0131 kapsam\u0131na giren ancak T\u00fcrk Paras\u0131 K\u0131ymetini Koruma Hakk\u0131nda 32 say\u0131l\u0131 Karar ve ilgili mevzuat uyar\u0131nca YP cinsinden kredi kullanmas\u0131 da m\u00fcmk\u00fcn olmayan \u015eirketlerin, krediye ba\u015fvurdu\u011fu tarihten itibaren 3 ayl\u0131k d\u00f6nem i\u00e7inde yabanc\u0131 para net pozisyon a\u00e7\u0131\u011f\u0131n\u0131n bulundu\u011funu ba\u011f\u0131ms\u0131z denetim kurulu\u015funca onaylanm\u0131\u015f \u015fekilde tespit ettirerek bankaya sunmalar\u0131 halinde; yaln\u0131zca ba\u015fvuru tarihini izleyen 3 ayl\u0131k d\u00f6nemdeki pozisyon a\u00e7\u0131\u011f\u0131 ile s\u0131n\u0131rl\u0131 olmak kayd\u0131yla bu \u015eirketlerin TL cinsinden nakdi ticari kredi kullanabilmeleri m\u00fcmk\u00fcnd\u00fcr.<\/p>\n\n\n\n

Bu istisnadan yararlanacak \u015eirketler i\u00e7in bak\u0131lacak kriter, yabanc\u0131 para pozisyon a\u00e7\u0131\u011f\u0131n\u0131n bulunmas\u0131 yani \u00f6n\u00fcm\u00fczdeki herhangi bir 3 ayl\u0131k d\u00f6nemde yapanc\u0131 para bor\u00e7lar\u0131n\u0131n(y\u00fck\u00fcml\u00fcl\u00fcklerinin) yabanc\u0131 para varl\u0131klar\u0131ndan fazla olmas\u0131 durumudur. B\u00f6yle bir durum s\u00f6z konusu ise, YP y\u00fck\u00fcml\u00fcklerin YP varl\u0131klar\u0131ndan fazla oldu\u011fu tutar kadar bu \u015eirketlere de TL cinsinden nakdi ticari kredi kulland\u0131r\u0131labilecektir.<\/p>\n\n\n\n

Kapsama Dahil Olmayan \u015eirketlerin Durumu:<\/p>\n\n\n\n

YP nakdi varl\u0131klar\u0131n\u0131n TL kar\u015f\u0131l\u0131\u011f\u0131 15 milyon TL\u2019yi a\u015fmayan \u015eirketler Karar kapsam\u0131ndaki kredi s\u0131n\u0131rlamas\u0131na dahil olmayacakt\u0131r. Ancak, bu \u015eirketlerin kredi ba\u015fvuru tarihi itibar\u0131yla,<\/p>\n\n\n\n

Mevcut YP nakdi varl\u0131klar\u0131 ile en g\u00fcncel finansal tablolar\u0131na g\u00f6re aktif toplam\u0131n\u0131 ve son 1 y\u0131ll\u0131k net sat\u0131\u015f has\u0131lat\u0131n\u0131 ba\u011f\u0131ms\u0131z denetim kurulu\u015funa tespit ettirmeleri,
Kullanacaklar\u0131 kredinin vadesi boyunca YP nakdi varl\u0131klar\u0131n\u0131n TL kar\u015f\u0131l\u0131\u011f\u0131n\u0131n 15 milyon TL\u2019yi a\u015fmayaca\u011f\u0131n\u0131 ya da a\u015fsa bile aktif toplam\u0131ndan ya da son 1 y\u0131ll\u0131k net sat\u0131\u015f has\u0131lat\u0131ndan b\u00fcy\u00fck olan\u0131n\u0131n y\u00fczde onunu ge\u00e7meyece\u011fini beyan ve taahh\u00fct etmeleri,
S\u00f6z konusu beyan ve taahh\u00fcd\u00fcn banka taraf\u0131ndan kontrol\u00fcn\u00fcn sa\u011flanmas\u0131n\u0131 teminen \u015eirketlerin her ay\u0131n ilk 10 i\u015f g\u00fcn\u00fc i\u00e7inde bir \u00f6nceki ay sonu bilan\u00e7osuna g\u00f6re YP nakdi 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
gerekmektedir.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Kaynak<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurulu\u2019nun 24 Haziran 2022 tarihli ve 10250 say\u0131l\u0131 Karar\u0131 ile T\u00fcrk Liras\u0131 kredi kullan\u0131m\u0131na d\u00f6viz varl\u0131\u011f\u0131 s\u0131n\u0131r\u0131 getirilmi\u015ftir. S\u00f6z konusu Karara g\u00f6re, bankalar ve finansal kurulu\u015flar d\u0131\u015f\u0131ndaki, 660 say\u0131l\u0131 Kanun H\u00fckm\u00fcnde Kararname ve ilgili d\u00fczenlemeler uyar\u0131nca ba\u011f\u0131ms\u0131z denetime tabi \u015firketlerin kredi ba\u015fvurusu yapt\u0131klar\u0131 tarih itibar\u0131yla yabanc\u0131 para nakdi varl\u0131klar\u0131n\u0131n (alt\u0131n dahil, […]<\/p>\n","protected":false},"author":2,"featured_media":2237,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2231","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-genel"],"_links":{"self":[{"href":"http:\/\/www.ahmetcemaliadir.com\/tr\/wp-json\/wp\/v2\/posts\/2231","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.ahmetcemaliadir.com\/tr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.ahmetcemaliadir.com\/tr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.ahmetcemaliadir.com\/tr\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"http:\/\/www.ahmetcemaliadir.com\/tr\/wp-json\/wp\/v2\/comments?post=2231"}],"version-history":[{"count":4,"href":"http:\/\/www.ahmetcemaliadir.com\/tr\/wp-json\/wp\/v2\/posts\/2231\/revisions"}],"predecessor-version":[{"id":2239,"href":"http:\/\/www.ahmetcemaliadir.com\/tr\/wp-json\/wp\/v2\/posts\/2231\/revisions\/2239"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.ahmetcemaliadir.com\/tr\/wp-json\/wp\/v2\/media\/2237"}],"wp:attachment":[{"href":"http:\/\/www.ahmetcemaliadir.com\/tr\/wp-json\/wp\/v2\/media?parent=2231"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.ahmetcemaliadir.com\/tr\/wp-json\/wp\/v2\/categories?post=2231"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.ahmetcemaliadir.com\/tr\/wp-json\/wp\/v2\/tags?post=2231"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}