{"id":28421,"date":"2021-11-30T06:51:00","date_gmt":"2021-11-30T06:51:00","guid":{"rendered":"https:\/\/haberglobal.com.tr\/ekonomi\/bddkdan-faizsiz-bankacilik-hakkindaki-bilgilendirmelere-iliskin-duzenleme-146338"},"modified":"2021-11-30T06:51:00","modified_gmt":"2021-11-30T06:51:00","slug":"bddkdan-faizsiz-bankacilik-hakkindaki-bilgilendirmelere-iliskin-duzenleme","status":"publish","type":"post","link":"https:\/\/istanbulchannel.net\/index.php\/2021\/11\/30\/bddkdan-faizsiz-bankacilik-hakkindaki-bilgilendirmelere-iliskin-duzenleme\/","title":{"rendered":"BDDK’dan faizsiz bankac\u0131l\u0131k hakk\u0131ndaki bilgilendirmelere ili\u015fkin d\u00fczenleme"},"content":{"rendered":"

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Yay\u0131nlanma: <\/span>

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\"BDDK'dan <\/picture> <\/figure>\n

<\/a> <\/div>\n<\/p><\/div>\n

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Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumunca (BDDK<\/a>) haz\u0131rlanan Faizsiz Bankac\u0131l\u0131k \u0130lke ve Standartlar\u0131 Kapsam\u0131nda M\u00fc\u015fterilerin ve Kamuoyunun Bilgilendirilmesine \u0130li\u015fkin Usul ve Esaslar Hakk\u0131nda Tebli\u011f, Resmi Gazete’nin bug\u00fcnk\u00fc say\u0131s\u0131nda yay\u0131mlanarak y\u00fcr\u00fcrl\u00fc\u011fe girdi.<\/p>\n

Toplam 4 b\u00f6l\u00fcmden olu\u015fan tebli\u011f ile kat\u0131l\u0131m, kalk\u0131nma ve yat\u0131r\u0131m bankalar\u0131n\u0131n, m\u00fc\u015fterileri ve kamuoyunu faizsiz bankac\u0131l\u0131k ilke ve standartlar\u0131 kapsam\u0131nda bilgilendirmelerine ili\u015fkin usul ve esaslar\u0131n d\u00fczenlenmesi ama\u00e7lan\u0131yor.<\/p>\n

Buna g\u00f6re, bankalar, faizsiz bankac\u0131l\u0131k ilke ve standartlar\u0131 ile \u00fcr\u00fcn ve hizmetlerinin i\u015fleyi\u015fleri ve dayand\u0131klar\u0131 akdin getirdi\u011fi hak ve y\u00fck\u00fcml\u00fcl\u00fckler konusunda m\u00fc\u015fterilerini a\u00e7\u0131k, net ve anla\u015f\u0131labilir bir \u015fekilde bilgilendirmekle y\u00fck\u00fcml\u00fc olacak.<\/p>\n

Bu kapsamda bilgilendirme y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcn\u00fcn yerine getirildi\u011fine dair banka taraf\u0131ndan m\u00fc\u015fteriye bilgilendirme formu verilecek. Bilgilendirmenin banka ile m\u00fc\u015fteri aras\u0131nda her bir \u00fcr\u00fcn veya hizmet t\u00fcr\u00fcne ili\u015fkin ilk s\u00f6zle\u015fme kurulmadan \u00f6nce yap\u0131lmas\u0131 ise zorunlu olacak. S\u00f6z konusu bilgilendirme; s\u00f6zl\u00fc, yaz\u0131l\u0131 ya da uzaktan ileti\u015fim ara\u00e7lar\u0131n\u0131n kullan\u0131lmas\u0131 yoluyla ger\u00e7ekle\u015ftirilebilecek.<\/p>\n

\u00d6te yandan, \u00fcr\u00fcn ve hizmet alma s\u00fcrecine dair yap\u0131lan bilgilendirmenin etkinli\u011fi ve yeterlili\u011fi hakk\u0131nda bilgi edinmek, eksik ve yanl\u0131\u015flar\u0131 d\u00fczeltmek amac\u0131yla \u00f6rnekleme y\u00f6ntemiyle y\u0131lda en az bir defa m\u00fc\u015fteri anketi yap\u0131lmas\u0131 zorunlu olacak. Anketlerde, m\u00fc\u015fterinin kendisine sunulan \u00fcr\u00fcn veya hizmetlere ili\u015fkin faizsiz bankac\u0131l\u0131k ilke ve standartlar\u0131 konusundaki fark\u0131ndal\u0131k ve memnuniyet seviyesi \u00f6l\u00e7\u00fclecek.<\/p>\n

KAMUOYUNUN B\u0130LG\u0130LEND\u0130R\u0130LMES\u0130<\/strong><\/h2>\n

Tebli\u011fde, bankalar\u0131n kurumsal internet sitesi \u00fczerinden de faizsiz bankac\u0131l\u0131k ilke ve standartlar\u0131 ile \u00fcr\u00fcn ve hizmetlerinin i\u015fleyi\u015flerine dair kamuoyunu a\u00e7\u0131k, net ve anla\u015f\u0131labilir bir \u015fekilde bilgilendirmesi zorunlu k\u0131l\u0131nd\u0131. Bu y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc yerine getirmek \u00fczere bankalar\u0131n, bilgi i\u015flem altyap\u0131s\u0131n\u0131 olu\u015fturmas\u0131, yeterli d\u00fczeyde idari ve teknik tedbirleri almas\u0131 gerekecek.<\/p>\n

Bu kapsamda bankalarca, “faizsiz bankac\u0131l\u0131k \u00fcr\u00fcn ve hizmetlerinin mahiyeti ve i\u015flem s\u00fcre\u00e7leri”, “faizsiz bankac\u0131l\u0131k i\u015flemlerine uygulanan akitler \u00e7er\u00e7evesinde banka \u00fcr\u00fcn ve hizmetlerinin dayana\u011f\u0131n\u0131 olu\u015fturan akdin veya akitlerin t\u00fcr\u00fc, taraflar\u0131n ilgili akit veya akitler \u00e7er\u00e7evesindeki konumu, haklar\u0131 ve y\u00fck\u00fcml\u00fcl\u00fckleri”, “\u00fcr\u00fcn ve hizmetlere ili\u015fkin faizsiz bankac\u0131l\u0131k ilke ve standartlar\u0131”, “dan\u0131\u015fma komitesinin banka y\u0131ll\u0131k faaliyet raporu kapsam\u0131nda yer verdi\u011fi; d\u00f6nem i\u00e7i faaliyetleri ve banka faaliyetlerinin faizsiz bankac\u0131l\u0131k ilke ve standartlar\u0131na uygunlu\u011funa ili\u015fkin de\u011ferlendirmeler” ile “dan\u0131\u015fma komitesi ve \u00fcyelerine ili\u015fkin tan\u0131t\u0131c\u0131 bilgiler” hakk\u0131ndaki bilgilere kurumsal internet sitesi \u00fczerinden yer verilecek.<\/p>\n

Ayr\u0131ca bankalar, faizsiz bankac\u0131l\u0131k ilke ve standartlar\u0131na uygun olmayan varl\u0131k, y\u00fck\u00fcml\u00fcl\u00fck, gelir ve giderlerinin tan\u0131m\u0131 ve mahiyeti, miktar\u0131, ne \u015fekilde tasarruf edildi\u011fi hususlar\u0131nda kurumsal internet sitesi vas\u0131tas\u0131yla kamuoyunu bilgilendirecek.<\/p>\n

FA\u0130ZS\u0130Z BANKACILIK DANI\u015eMA KOM\u0130TES\u0130 BA\u015eKANI YURT \u0130\u00c7\u0130 YERLE\u015e\u0130K OLACAK<\/strong><\/h2>\n

BDDK, Faizsiz Bankac\u0131l\u0131k \u0130lke ve Standartlar\u0131na Uyuma \u0130li\u015fkin Tebli\u011f’de de d\u00fczenlemeye gitti.<\/p>\n

D\u00fczenleme ile Faizsiz Bankac\u0131l\u0131k Dan\u0131\u015fma Komitesi’nin tebli\u011f h\u00fck\u00fcmleri kapsam\u0131nda verilen g\u00f6revleri d\u00fczenli \u015fekilde yerine getirmesi i\u00e7in \u00fcyeleri aras\u0131ndan se\u00e7ece\u011fi ba\u015fkan\u0131n yurt i\u00e7inde yerle\u015fik olmas\u0131 zorunlu k\u0131l\u0131nd\u0131. Dan\u0131\u015fma komitesinin ba\u011f\u0131ms\u0131zl\u0131\u011f\u0131na ili\u015fkin h\u00fck\u00fcmlerin yeniden ele al\u0131nd\u0131\u011f\u0131 tebli\u011fde, al\u0131nan kararlar\u0131n izleyen y\u0131l\u0131n ocak sonuna kadar dan\u0131\u015fma kuruluna raporlanmas\u0131 \u015fart\u0131 getirildi.<\/p>\n

\u00d6te yandan, yap\u0131lan de\u011fi\u015fiklik ile eski tebli\u011fde yer alan “bankan\u0131n internet sitesinde dan\u0131\u015fma komitesi ve \u00fcyelerine ili\u015fkin bilgilere yer verilir” h\u00fckm\u00fc y\u00fcr\u00fcrl\u00fckten kald\u0131r\u0131ld\u0131.<\/p>\n

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

BDDK’n\u0131n bug\u00fcn y\u00fcr\u00fcrl\u00fc\u011fe giren tebli\u011fi ile kat\u0131l\u0131m, kalk\u0131nma ve yat\u0131r\u0131m bankalar\u0131n\u0131n m\u00fc\u015fterileri ve kamuoyunu faizsiz bankac\u0131l\u0131k ilke ve standartlar\u0131 kapsam\u0131nda…<\/p>\n","protected":false},"author":2,"featured_media":28422,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10,185],"tags":[],"class_list":["post-28421","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","category-manset"],"_links":{"self":[{"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/posts\/28421","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/comments?post=28421"}],"version-history":[{"count":0,"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/posts\/28421\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/media\/28422"}],"wp:attachment":[{"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/media?parent=28421"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/categories?post=28421"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/tags?post=28421"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}