{"id":16924,"date":"2022-03-14T13:28:21","date_gmt":"2022-03-14T13:28:21","guid":{"rendered":"http:\/\/www.alohaber.net\/wp\/?p=16924"},"modified":"2022-03-14T13:28:21","modified_gmt":"2022-03-14T13:28:21","slug":"altin-cinsinden-fiziki-varliklarin-finansal-sisteme-kazandirilmasi-hakkinda-teblig-sayi-2022-11","status":"publish","type":"post","link":"https:\/\/www.alohaber.net\/wp\/2022\/03\/altin-cinsinden-fiziki-varliklarin-finansal-sisteme-kazandirilmasi-hakkinda-teblig-sayi-2022-11\/","title":{"rendered":"Alt\u0131n Cinsinden Fiziki Varl\u0131klar\u0131n Finansal Sisteme Kazand\u0131r\u0131lmas\u0131 Hakk\u0131nda Tebli\u011f (Say\u0131: 2022\/11)"},"content":{"rendered":"

\"\"<\/a>Alt\u0131n Cinsinden Fiziki Varl\u0131klar\u0131n Finansal Sisteme Kazand\u0131r\u0131lmas\u0131 2022\/11 14 Mart 2022 Tarihli Resmi Gazete Say\u0131: 31778 T\u00fcrkiye Cumhuriyet Merkez Ban…<\/p>\n

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Alt\u0131n Cinsinden Fiziki Varl\u0131klar\u0131n Finansal Sisteme Kazand\u0131r\u0131lmas\u0131 Hakk\u0131nda Tebli\u011f (Say\u0131: 2022\/11)<\/strong><\/p>\n

Tarih:\u00a0
\n

Alt\u0131n Cinsinden Fiziki Varl\u0131klar\u0131n Finansal Sisteme Kazand\u0131r\u0131lmas\u0131 2022\/11<\/h4>\n

14 Mart 2022 Tarihli Resmi Gazete<\/p>\n

Say\u0131: 31778<\/p>\n

T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131ndan:<\/p>\n

Ama\u00e7 ve kapsam<\/strong><\/p>\n

MADDE 1-\u00a0<\/strong>(1) Bu Tebli\u011fin amac\u0131, yurt i\u00e7i yerle\u015fik ger\u00e7ek ve t\u00fczel ki\u015filerin yetkili kuyumcular ve rafineriler arac\u0131l\u0131\u011f\u0131yla ya da do\u011frudan banka \u015fubelerine gelerek bankalardaki alt\u0131n hesaplar\u0131na yat\u0131rd\u0131klar\u0131 fiziki alt\u0131n varl\u0131klar\u0131n\u0131n T\u00fcrk liras\u0131 cinsinden mevduat ve kat\u0131lma hesaplar\u0131na d\u00f6n\u00fc\u015ft\u00fcr\u00fclmesine imk\u00e2n tan\u0131nmas\u0131na ve hesap sahiplerine sa\u011flanacak deste\u011fe ili\u015fkin usul ve esaslar\u0131 d\u00fczenlemektir.<\/p>\n

Dayanak<\/strong><\/p>\n

MADDE 2-\u00a0<\/strong>(1) Bu Tebli\u011f, 14\/1\/1970 tarihli ve\u00a01211 say\u0131l\u0131 T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 Kanununun<\/a><\/strong>\u00a04 \u00fcnc\u00fc maddesinin \u00fc\u00e7\u00fcnc\u00fc f\u0131kras\u0131n\u0131n (I) numaral\u0131 bendinin (e) ve (g) alt bentlerine, 22 nci maddesinin birinci f\u0131kras\u0131n\u0131n (c) bendine ve 19\/10\/2005 tarihli ve\u00a05411 say\u0131l\u0131 Bankac\u0131l\u0131k Kanununun<\/a><\/strong>\u00a0144 \u00fcnc\u00fc maddesine dayan\u0131larak haz\u0131rlanm\u0131\u015ft\u0131r.<\/p>\n

Tan\u0131mlar<\/strong><\/p>\n

MADDE 3-\u00a0<\/strong>(1) Bu Tebli\u011fde ge\u00e7en;<\/p>\n

a) Alt\u0131n kabul sistemi (AKS): Yetkili rafineriler taraf\u0131ndan olu\u015fturulmu\u015f, yetkili kuyumcular ve bankalar taraf\u0131ndan kullan\u0131lan t\u00fcm bili\u015fim sistemleri ile banka \u015fubelerinde yetkili rafineriler taraf\u0131ndan atanan eksperler arac\u0131l\u0131\u011f\u0131yla ger\u00e7ekle\u015ftirilen alt\u0131n toplama sistemlerini,<\/p>\n

b) Banka: 5411 say\u0131l\u0131 Kanunun 3 \u00fcnc\u00fc maddesinde tan\u0131mlanan mevduat ve kat\u0131l\u0131m bankalar\u0131n\u0131,<\/p>\n

c) D\u00f6n\u00fc\u015f\u00fcm fiyat\u0131: Yurt i\u00e7i yerle\u015fik ger\u00e7ek ve t\u00fczel ki\u015filerce fiziki olarak bankalardaki alt\u0131n hesaplar\u0131na getirilen alt\u0131n\u0131n gram kar\u015f\u0131l\u0131\u011f\u0131n\u0131n T\u00fcrk liras\u0131na \u00e7evrildi\u011fi g\u00fcn Merkez Bankas\u0131nca belirlenecek usul ve esaslara g\u00f6re ilan edilen gram alt\u0131n\u0131n T\u00fcrk liras\u0131 kar\u015f\u0131l\u0131\u011f\u0131 al\u0131\u015f fiyat\u0131n\u0131,<\/p>\n

\u00e7) Fiziki alt\u0131n: Yetkili kuyumcular veya bankalar taraf\u0131ndan teslim al\u0131nan ve 11\/8\/1989 tarihli ve 20249 say\u0131l\u0131 Resm\u00ee Gazete\u2019de yay\u0131mlanan\u00a0T\u00fcrk Paras\u0131 K\u0131ymetini Koruma Hakk\u0131nda 32 say\u0131l\u0131 Kararda<\/a><\/strong>\u00a0tan\u0131mlanan standart i\u015flenmemi\u015f alt\u0131nlardan 1 kilogram ve alt\u0131ndaki k\u00fcl\u00e7e ve bar \u015feklindeki alt\u0131nlar\u0131, standart d\u0131\u015f\u0131 i\u015flenmemi\u015f alt\u0131nlardan hurda \u015feklindeki alt\u0131nlar\u0131 ve i\u015flenmi\u015f alt\u0131nlar\u0131,<\/p>\n

d) Merkez Bankas\u0131: T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131n\u0131,<\/p>\n

e) B\u0130ST: Borsa \u0130stanbul A.\u015e.\u2019yi,<\/p>\n

f) Milyem de\u011feri: 22\/6\/2016 tarihli ve 29750 say\u0131l\u0131 Resm\u00ee Gazete\u2019de yay\u0131mlanan\u00a0Bankalar\u0131n K\u0131ymetli Maden Al\u0131m Sat\u0131m\u0131na \u0130li\u015fkin Usul ve Esaslar Hakk\u0131nda Y\u00f6netmelik<\/a><\/strong>\u00a0ile belirlenen milyem de\u011ferleri asgari \u00f6l\u00e7\u00fct olmak \u00fczere kullan\u0131lacak milyem de\u011ferlerini,<\/p>\n

g) Standart alt\u0131n: En az 995\/1000 safl\u0131kta olan, Londra Alt\u0131n Piyasas\u0131nca (London Bullion Market Association-LBMA) veya B\u0130ST nezdindeki K\u0131ymetli Madenler ve K\u0131ymetli Ta\u015flar Piyasas\u0131nca tan\u0131nan rafinerilerden birinin amblemini ya da damgas\u0131n\u0131 ve seri numaras\u0131n\u0131 ta\u015f\u0131yan, bu piyasalarda standart alt\u0131n olarak i\u015flem g\u00f6ren en az 1 kg a\u011f\u0131rl\u0131\u011f\u0131ndaki k\u00fcl\u00e7e alt\u0131nlar\u0131,<\/p>\n

\u011f) Vade sonu fiyat\u0131: T\u00fcrk liras\u0131 mevduat veya kat\u0131lma hesab\u0131n\u0131n vadesinde saat 11:00\u2019de Merkez Bankas\u0131 taraf\u0131ndan ilan edilen 995\/1000 veya 1000\/1000 safl\u0131ktaki gram alt\u0131n\u0131n T\u00fcrk liras\u0131 kar\u015f\u0131l\u0131\u011f\u0131 al\u0131\u015f fiyat\u0131n\u0131,<\/p>\n

h) Yetkili kuyumcu: 14\/4\/2021 tarihli ve 31454 say\u0131l\u0131 Resm\u00ee Gazete\u2019de yay\u0131mlanan\u00a0Kuyum Ticareti Hakk\u0131nda Y\u00f6netmelik<\/a><\/strong>\u00a0uyar\u0131nca yetki belgesi alm\u0131\u015f kuyum i\u015fletmelerinden yetkili rafineriler ile anla\u015fmas\u0131 bulunan ve AKS\u2019ye eri\u015fimi olan kuyumcular\u0131,<\/p>\n

\u0131) Yetkili rafineri: B\u0130ST Rafineriler Listesinde yer alan T\u00fcrkiye\u2019de kurulu ve bankalar ile alt\u0131n cinsinden fiziki varl\u0131klar\u0131n finansal sisteme kazand\u0131r\u0131lmas\u0131 amac\u0131yla anla\u015fma yapan AKS\u2019ye eri\u015fimi olan rafinerileri,<\/p>\n

i) Yurt i\u00e7i yerle\u015fik ger\u00e7ek ki\u015fi: Yurt d\u0131\u015f\u0131nda i\u015f\u00e7i, serbest meslek m\u00fcstakil i\u015f sahibi T\u00fcrk vatanda\u015flar\u0131 dahil T\u00fcrkiye\u2019de kanuni yerle\u015fim yeri bulunan ger\u00e7ek ki\u015fileri,<\/p>\n

j) Yurt i\u00e7i yerle\u015fik t\u00fczel ki\u015fi: Bankalar ve Merkez Bankas\u0131nca belirlenen di\u011fer mali kurulu\u015flar hari\u00e7 olmak \u00fczere T\u00fcrkiye\u2019de kanuni yerle\u015fim yeri bulunan t\u00fczel ki\u015fileri,<\/p>\n

ifade eder.<\/p>\n

Fiziki alt\u0131nlar\u0131n kabul\u00fc<\/strong><\/p>\n

MADDE 4-\u00a0<\/strong>(1) Uygulamaya kat\u0131lmak isteyen yurt i\u00e7i yerle\u015fik ger\u00e7ek ve t\u00fczel ki\u015filerin i\u015flem an\u0131nda yetkili rafineriyle anla\u015fmas\u0131 olan bankalar nezdinde alt\u0131n hesab\u0131n\u0131n bulunmas\u0131 gerekmektedir.<\/p>\n

(2) Yurt i\u00e7i yerle\u015fik ger\u00e7ek ve t\u00fczel ki\u015filer fiziki alt\u0131nlar\u0131n\u0131, milyem de\u011feri \u00fczerinden hesaplanacak gram cinsinden has alt\u0131n miktar\u0131n\u0131 tespit etmek \u00fczere yetkili kuyumcuya veya bankaya teslim eder.<\/p>\n

(3) AKS ile mutabakat\u0131 sa\u011flanan has alt\u0131n miktar\u0131 yurt i\u00e7i yerle\u015fik ger\u00e7ek veya t\u00fczel ki\u015finin bankadaki alt\u0131n hesab\u0131na i\u015flem an\u0131nda yetkili rafineri veya banka arac\u0131l\u0131\u011f\u0131yla aktar\u0131l\u0131r.<\/p>\n

(4) Yetkili kuyumcu veya banka taraf\u0131ndan fiziki olarak teslim al\u0131nan alt\u0131nlar i\u015flenmek \u00fczere yetkili rafineriye teslim edilir.<\/p>\n

(5) Yetkili rafineri taraf\u0131ndan i\u015flenerek standart alt\u0131na tamamlananlar ilgili bankaya fiziki olarak transfer edilir.<\/p>\n

Alt\u0131n hesaplar\u0131n\u0131n d\u00f6n\u00fc\u015f\u00fcm\u00fc<\/strong><\/p>\n

MADDE 5-\u00a0<\/strong>(1) Hesap sahibinin talep etmesi durumunda hesab\u0131ndaki has alt\u0131n bakiyesi d\u00f6n\u00fc\u015f\u00fcm fiyat\u0131 \u00fczerinden T\u00fcrk liras\u0131na \u00e7evrilerek 3, 6 ay veya 1 y\u0131l vadeli T\u00fcrk liras\u0131 mevduat veya kat\u0131lma hesab\u0131 a\u00e7\u0131l\u0131r.<\/p>\n

(2) T\u00fcrk liras\u0131 mevduat veya kat\u0131lma hesab\u0131na d\u00f6n\u00fc\u015ft\u00fcr\u00fclen alt\u0131nlar bankalarca d\u00f6n\u00fc\u015f\u00fcm fiyat\u0131 \u00fczerinden Merkez Bankas\u0131na sat\u0131l\u0131r.<\/p>\n

(3) Bankan\u0131n mevduat hesab\u0131na uygulayaca\u011f\u0131 faiz oran\u0131 Merkez Bankas\u0131nca belirlenen bir hafta vadeli repo ihale faiz oran\u0131n\u0131n alt\u0131nda olamaz. Kat\u0131lma hesab\u0131na sa\u011flanacak getirinin Merkez Bankas\u0131n\u0131n kat\u0131l\u0131m bankalar\u0131 ile a\u00e7\u0131k piyasa i\u015flemleri kapsam\u0131nda yapt\u0131\u011f\u0131 bir hafta vadeli geri sat\u0131m vaadi ile al\u0131m i\u015flemlerinde olu\u015fan maliyetten d\u00fc\u015f\u00fck olmas\u0131 halinde aradaki fark\u0131 kat\u0131l\u0131m bankac\u0131l\u0131\u011f\u0131 esaslar\u0131 \u00e7er\u00e7evesinde kat\u0131l\u0131m bankas\u0131 kar\u015f\u0131layabilir, kar\u015f\u0131lanmayan k\u0131s\u0131m i\u00e7in Merkez Bankas\u0131nca \u00f6deme yap\u0131lmaz.<\/p>\n

(4) Merkez Bankas\u0131, bankan\u0131n mevduat hesab\u0131na uygulayaca\u011f\u0131 azami faiz oran\u0131n\u0131 belirlemeye yetkilidir.<\/p>\n

(5) Merkez Bankas\u0131 taraf\u0131ndan bu uygulama kapsam\u0131nda a\u00e7\u0131lan T\u00fcrk liras\u0131 mevduat veya kat\u0131lma hesaplar\u0131na vade sonunda yenilenme imk\u00e2n\u0131 tan\u0131nabilir. Yenilenen hesap ilk a\u00e7\u0131l\u0131\u015fta d\u00f6n\u00fc\u015f\u00fcm\u00fc yap\u0131lan alt\u0131n tutar\u0131 ve vade sonu fiyat\u0131 \u00fczerinden destekten yararlanmaya devam eder. Hesab\u0131n yenilenmesine ili\u015fkin kapsam, usul ve esaslar Merkez Bankas\u0131nca belirlenir.<\/p>\n

Vade sonu i\u015flemleri<\/strong><\/p>\n

MADDE 6-\u00a0<\/strong>(1) 3, 6 ay veya 1 y\u0131l vadeli olarak a\u00e7\u0131lan T\u00fcrk liras\u0131 mevduat veya kat\u0131lma hesaplar\u0131na vade sonunda T\u00fcrk liras\u0131 mevduat hesab\u0131 sahibine anapara ile faiz, kat\u0131lma hesab\u0131 sahibine ise vade sonundaki kat\u0131lma hesab\u0131 bakiyesi banka taraf\u0131ndan \u00f6denir.<\/p>\n

(2) Vade sonu fiyat\u0131n\u0131n d\u00f6n\u00fc\u015f\u00fcm fiyat\u0131ndan y\u00fcksek olmas\u0131 ve fiyat fark\u0131 \u00fczerinden hesaplanan tutar\u0131n banka taraf\u0131ndan \u00f6denecek faiz veya k\u00e2r pay\u0131ndan y\u00fcksek olmas\u0131 durumunda, fiyat fark\u0131 \u00fczerinden hesaplanan tutardan faiz veya k\u00e2r pay\u0131 d\u00fc\u015f\u00fclerek hesaplanan tutar Merkez Bankas\u0131nca mevduat veya kat\u0131lma hesab\u0131 sahibine \u00f6denmek \u00fczere ilgili bankaya aktar\u0131l\u0131r.<\/p>\n

(3) T\u00fcrk liras\u0131 mevduat veya kat\u0131lma hesab\u0131ndan vadeden \u00f6nce \u00e7ekim yap\u0131lmas\u0131 halinde Merkez Bankas\u0131nca fiyat fark\u0131na ili\u015fkin \u00f6deme yap\u0131lmaz.<\/p>\n

(4) Bu uygulama kapsam\u0131nda a\u00e7\u0131lan T\u00fcrk liras\u0131 mevduat veya kat\u0131lma hesaplar\u0131na Merkez Bankas\u0131nca belirlenecek usul ve esaslara g\u00f6re vade sonunda ilave getiri \u00f6denebilir.<\/p>\n

(5) 29\/12\/2021 tarihli ve 31704 say\u0131l\u0131 Resm\u00ee Gazete\u2019de yay\u0131mlanan\u00a0Alt\u0131n Hesaplar\u0131ndan T\u00fcrk Liras\u0131 Mevduat ve Kat\u0131lma Hesaplar\u0131na D\u00f6n\u00fc\u015f\u00fcm\u00fcn Desteklenmesi Hakk\u0131nda Tebli\u011f (Say\u0131: 2021\/16)<\/a><\/strong>\u00a0kapsam\u0131nda i\u015flenmi\u015f ve hurda alt\u0131n kar\u015f\u0131l\u0131\u011f\u0131n\u0131n T\u00fcrk liras\u0131na d\u00f6n\u00fc\u015ft\u00fcr\u00fclmesi suretiyle a\u00e7\u0131lan hesaplar da d\u00f6rd\u00fcnc\u00fc f\u0131krada belirtilen ilave getiriden yararlanabilir.<\/p>\n

(6) Bu Tebli\u011f kapsam\u0131nda ger\u00e7ekle\u015ftirilecek her t\u00fcrl\u00fc i\u015flemin, su\u00e7 gelirlerinin aklanmas\u0131 ve ter\u00f6r\u00fcn finansman\u0131n\u0131n \u00f6nlenmesine ili\u015fkin ulusal ve uluslararas\u0131 standartlara uygun ger\u00e7ekle\u015ftirildi\u011fine dair kontrol bankalarca yap\u0131l\u0131r.<\/p>\n

\u0130stisnalar<\/strong><\/p>\n

MADDE 7-\u00a0<\/strong>(1) 16\/10\/2006 tarihli ve 2006\/11188 say\u0131l\u0131 Bakanlar Kurulu Karar\u0131 ile y\u00fcr\u00fcrl\u00fc\u011fe konulan\u00a0Mevduat ve Kredi Faiz Oranlar\u0131 ve Kat\u0131lma Hesaplar\u0131 K\u00e2r ve Zarara Kat\u0131lma Oranlar\u0131 ile \u00d6zel Cari Hesaplar Dahil Bu \u0130\u015flemlerde Sa\u011flanacak Di\u011fer Menfaatler Hakk\u0131nda Karar\u0131n<\/a><\/strong>\u00a04 \u00fcnc\u00fc maddesinin birinci f\u0131kras\u0131 ile 10\/2\/2020 tarihli ve 31035 say\u0131l\u0131 Resm\u00ee Gazete\u2019de yay\u0131mlanan\u00a0Mevduat ve Kredi Faiz Oranlar\u0131 ve Kat\u0131lma Hesaplar\u0131 K\u00e2r ve Zarara Kat\u0131lma Oranlar\u0131 Hakk\u0131nda Tebli\u011f (Say\u0131: 2020\/3)<\/a><\/strong>\u2019in 3 \u00fcnc\u00fc maddesinin birinci f\u0131kras\u0131n\u0131n birinci c\u00fcmlesi ve d\u00f6rd\u00fcnc\u00fc f\u0131kras\u0131 h\u00fck\u00fcmleri bu Tebli\u011f kapsam\u0131nda a\u00e7\u0131lacak T\u00fcrk liras\u0131 mevduat ve kat\u0131lma hesaplar\u0131na uygulanmaz.<\/p>\n

Di\u011fer h\u00fck\u00fcmler<\/strong><\/p>\n

MADDE 8-\u00a0<\/strong>(1) Bu Tebli\u011f kapsam\u0131nda i\u015flem yapan yetkili kuyumcu, yetkili rafineri ve bankalara, Merkez Bankas\u0131n\u0131n belirleyece\u011fi usul ve esaslar \u00e7er\u00e7evesinde komisyon ve\/veya masraf \u00f6denebilir.<\/p>\n

Y\u00fcr\u00fcrl\u00fck<\/strong><\/p>\n

MADDE 9-\u00a0<\/strong>(1) Bu Tebli\u011f yay\u0131m\u0131 tarihinde y\u00fcr\u00fcrl\u00fc\u011fe girer.<\/p>\n

Y\u00fcr\u00fctme<\/strong><\/p>\n

MADDE 10-\u00a0<\/strong>(1) Bu Tebli\u011f h\u00fck\u00fcmlerini T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 Ba\u015fkan\u0131 y\u00fcr\u00fct\u00fcr.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Alt\u0131n Cinsinden Fiziki Varl\u0131klar\u0131n Finansal Sisteme Kazand\u0131r\u0131lmas\u0131 2022\/11 14 Mart 2022 Tarihli Resmi Gazete Say\u0131: 31778 T\u00fcrkiye Cumhuriyet Merkez Ban…  <\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"class_list":["post-16924","post","type-post","status-publish","format-standard","hentry","category-mevzuat-haberleri"],"_links":{"self":[{"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/posts\/16924","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/comments?post=16924"}],"version-history":[{"count":1,"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/posts\/16924\/revisions"}],"predecessor-version":[{"id":16925,"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/posts\/16924\/revisions\/16925"}],"wp:attachment":[{"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/media?parent=16924"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/categories?post=16924"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/tags?post=16924"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}