{"id":3677,"date":"2012-04-17T05:40:29","date_gmt":"2012-04-17T05:40:29","guid":{"rendered":"http:\/\/www.alohaber.net\/wp\/?p=3677"},"modified":"2012-04-17T05:42:47","modified_gmt":"2012-04-17T05:42:47","slug":"derecelendirme-kuruluslarinin-yetkilendirilmesine-ve-faaliyetlerine-iliskin-esaslar-hakkinda-yonetmelik","status":"publish","type":"post","link":"https:\/\/www.alohaber.net\/wp\/2012\/04\/derecelendirme-kuruluslarinin-yetkilendirilmesine-ve-faaliyetlerine-iliskin-esaslar-hakkinda-yonetmelik\/","title":{"rendered":"Derecelendirme Kurulu\u015flar\u0131n\u0131n Yetkilendirilmesine ve Faaliyetlerine \u0130li\u015fkin Esaslar Hakk\u0131nda Y\u00f6netmelik"},"content":{"rendered":"

\"\"<\/a>Bu Y\u00f6netmeli\u011fin amac\u0131, derecelendirme kurulu\u015flar\u0131n\u0131n yetkilendirilmesine, yetkilerinin ge\u00e7ici veya s\u00fcrekli olarak…<\/span><\/p>\n

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17 Nisan 2012 Tarihli Resmi Gazete<\/span><\/p>\n

Say\u0131: 28267<\/span><\/p>\n

\u00a0<\/span><\/p>\n

Bankac<\/span>\u0131<\/span>l<\/span>\u0131<\/span>k D<\/span>\u00fc<\/span>zenleme ve Denetleme Kurumundan:<\/span><\/p>\n

\u00a0<\/span><\/p>\n

DERECELEND<\/strong><\/span>\u0130<\/strong><\/span>RME KURULU<\/strong><\/span>\u015e<\/strong><\/span>LARININ YETK<\/strong><\/span>\u0130<\/strong><\/span>LEND<\/strong><\/span>\u0130<\/strong><\/span>R<\/strong><\/span>\u0130<\/strong><\/span>LMES<\/strong><\/span>\u0130<\/strong><\/span>NE VE FAAL<\/strong><\/span>\u0130<\/strong><\/span>YETLER<\/strong><\/span>\u0130<\/strong><\/span>NE<\/strong><\/span>\u00a0<\/strong><\/span>\u0130<\/strong><\/span>L<\/strong><\/span>\u0130\u015e<\/strong><\/span>K<\/strong><\/span>\u0130<\/strong><\/span>N ESASLAR HAKKINDA Y<\/strong><\/span>\u00d6<\/strong><\/span>NETMEL<\/strong><\/span>\u0130<\/strong><\/span>K<\/strong><\/span><\/p>\n

\u00a0<\/strong><\/span><\/p>\n

B<\/strong><\/span>\u0130<\/strong><\/span>R<\/strong><\/span>\u0130<\/strong><\/span>NC<\/strong><\/span>\u0130<\/strong><\/span>\u00a0<\/strong><\/span>B<\/strong><\/span>\u00d6<\/strong><\/span>L<\/strong><\/span>\u00dc<\/strong><\/span>M<\/strong><\/span><\/p>\n

Ama<\/strong><\/span>\u00e7<\/strong><\/span>, Kapsam, Dayanak ve Tan<\/strong><\/span>\u0131<\/strong><\/span>mlar<\/strong><\/span><\/p>\n

Ama<\/span>\u00e7<\/span><\/strong><\/p>\n

MADDE 1<\/span>\u00a0<\/span>\u2013<\/span><\/strong>\u00a0<\/span>(1) Bu Y<\/span>\u00f6<\/span>netmeli<\/span>\u011f<\/span>in amac<\/span>\u0131<\/span>, derecelendirme kurulu<\/span>\u015f<\/span>lar<\/span>\u0131<\/span>n<\/span>\u0131<\/span>n yetkilendirilmesine, yetkilerinin ge<\/span>\u00e7<\/span>ici veya s<\/span>\u00fc<\/span>rekli olarak kald<\/span>\u0131<\/span>r<\/span>\u0131<\/span>lmas<\/span>\u0131<\/span>na ve faaliyetleri ile derecelendirme faaliyetleri kapsam<\/span>\u0131<\/span>nda yap<\/span>\u0131<\/span>lacak mesleki sorumluluk sigortas<\/span>\u0131<\/span>na ili<\/span>\u015f<\/span>kin usul ve esaslar<\/span>\u0131<\/span>\u00a0<\/span>d<\/span>\u00fc<\/span>zenlemektir.<\/span><\/p>\n

Kapsam<\/span><\/strong><\/p>\n

MADDE 2<\/span>\u00a0<\/span>\u2013<\/span><\/strong>\u00a0<\/span>(1) Bu Y<\/span>\u00f6<\/span>netmelik 5411 say<\/span>\u0131<\/span>l<\/span>\u0131<\/span>\u00a0<\/span>Bankac<\/span>\u0131<\/span>l<\/span>\u0131<\/span>k Kanunu ve bu Kanuna istinaden<\/span>\u00a0<\/span>\u00e7\u0131<\/span>kar<\/span>\u0131<\/span>lan d<\/span>\u00fc<\/span>zenlemelerde<\/span>\u00a0<\/span>\u00f6<\/span>ng<\/span>\u00f6<\/span>r<\/span>\u00fc<\/span>len derecelendirmeye ba<\/span>\u011f<\/span>lanm<\/span>\u0131\u015f<\/span>\u00a0<\/span>uygulamalarda kullan<\/span>\u0131<\/span>lacak derecelendirmeler ile bu derecelendirmeleri yapacak derecelendirme kurulu<\/span>\u015f<\/span>lar<\/span>\u0131<\/span>n<\/span>\u0131<\/span>\u00a0<\/span>kapsar.<\/span><\/p>\n

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

MADDE 3<\/span>\u00a0<\/span>\u2013<\/span><\/strong>\u00a0<\/span>(1) Bu Y<\/span>\u00f6<\/span>netmelik,<\/span>\u00a0<\/span>19\/10\/2005<\/span>\u00a0<\/span>tarihli ve 5411 say<\/span>\u0131<\/span>l<\/span>\u0131<\/span>\u00a0<\/span>Bankac<\/span>\u0131<\/span>l<\/span>\u0131<\/span>k Kanununun 15, 34, 36 ve 93<\/span>\u00a0<\/span>\u00fc<\/span>nc<\/span>\u00fc<\/span>maddelerine dayan<\/span>\u0131<\/span>larak haz<\/span>\u0131<\/span>rlanm<\/span>\u0131\u015f<\/span>t<\/span>\u0131<\/span>r.<\/span><\/p>\n

Tan<\/span>\u0131<\/span>mlar<\/span><\/strong><\/p>\n

MADDE 4<\/span>\u00a0<\/span>\u2013<\/span><\/strong>\u00a0<\/span>(1) Bu Y<\/span>\u00f6<\/span>netmelikte yer alan;<\/span><\/p>\n

a) Ayr<\/span>\u0131\u015f<\/span>t<\/span>\u0131<\/span>rma g<\/span>\u00fc<\/span>c<\/span>\u00fc<\/span>: Bir derecelendirme metodolojisinin, m<\/span>\u00fc\u015f<\/span>terileri belirli bir s<\/span>\u00fc<\/span>re i<\/span>\u00e7<\/span>inde kredi de<\/span>\u011f<\/span>erlili<\/span>\u011f<\/span>i ve\/veya temerr<\/span>\u00fc<\/span>de d<\/span>\u00fc\u015f<\/span>me olas<\/span>\u0131<\/span>l<\/span>\u0131\u011f\u0131<\/span>\u00a0<\/span>a<\/span>\u00e7\u0131<\/span>s<\/span>\u0131<\/span>ndan do<\/span>\u011f<\/span>ru bir<\/span>\u00a0<\/span>\u015f<\/span>ekilde s<\/span>\u0131<\/span>ralayabilme veya se<\/span>\u00e7<\/span>ebilme kabiliyetini,<\/span><\/p>\n

b) Banka: Kanunun 3<\/span>\u00a0<\/span>\u00fc<\/span>nc<\/span>\u00fc<\/span>\u00a0<\/span>maddesinde tan<\/span>\u0131<\/span>mlanan bankalar<\/span>\u0131<\/span>,<\/span><\/p>\n

c) Birikimli temerr<\/span>\u00fc<\/span>t oran<\/span>\u0131<\/span>: Bir derecelendirme kurulu<\/span>\u015f<\/span>u taraf<\/span>\u0131<\/span>ndan, kulland<\/span>\u0131\u011f\u0131<\/span>\u00a0<\/span>bir ana derecelendirme not cetvelinde yer alan her bir derecelendirme notu i<\/span>\u00e7<\/span>in hesaplanan ve ayn<\/span>\u0131<\/span>\u00a0<\/span>derecelendirme notunu verdi<\/span>\u011f<\/span>i m<\/span>\u00fc\u015f<\/span>terilere ili<\/span>\u015f<\/span>kin belirli bir s<\/span>\u00fc<\/span>re boyunca ger<\/span>\u00e7<\/span>ekle<\/span>\u015f<\/span>en temerr<\/span>\u00fc<\/span>t oranlar<\/span>\u0131<\/span>n<\/span>\u0131<\/span>,<\/span><\/p>\n

\u00e7<\/span>) Denet<\/span>\u00e7<\/span>i:<\/span>\u00a0<\/span>29\/6\/1956<\/span>\u00a0<\/span>tarihli ve 6762 say<\/span>\u0131<\/span>l<\/span>\u0131<\/span>\u00a0<\/span>T<\/span>\u00fc<\/span>rk Ticaret Kanununun 347<\/span>\u00a0<\/span>nci<\/span>\u00a0<\/span>maddesi uyar<\/span>\u0131<\/span>nca se<\/span>\u00e7<\/span>ilen murak<\/span>\u0131<\/span>plar<\/span>\u0131<\/span>,<\/span><\/p>\n

d) Derecelendirme metodolojisi: Derecelendirme kurulu<\/span>\u015f<\/span>lar<\/span>\u0131<\/span>\u00a0<\/span>taraf<\/span>\u0131<\/span>ndan m<\/span>\u00fc\u015f<\/span>terilerinin kredi de<\/span>\u011f<\/span>erlili<\/span>\u011f<\/span>i ve dolay<\/span>\u0131<\/span>s<\/span>\u0131<\/span>yla derecelendirme notu belirlenirken kullan<\/span>\u0131<\/span>lan t<\/span>\u00fc<\/span>m varsay<\/span>\u0131<\/span>mlar<\/span>\u0131<\/span>, tan<\/span>\u0131<\/span>mlar<\/span>\u0131<\/span>, hesaplamalar<\/span>\u0131<\/span>, s<\/span>\u0131<\/span>n<\/span>\u0131<\/span>fland<\/span>\u0131<\/span>rmalar<\/span>\u0131<\/span>, derecelendirme s<\/span>\u00fc<\/span>recini ve benzeri i<\/span>\u00e7<\/span>eren y<\/span>\u00f6<\/span>ntem veya y<\/span>\u00f6<\/span>ntemleri,<\/span><\/p>\n

e) Derecelendirme not cetveli: Bir derecelendirme metodolojisi kullan<\/span>\u0131<\/span>larak m<\/span>\u00fc\u015f<\/span>terilere verilebilecek derecelendirme notlar<\/span>\u0131<\/span>n<\/span>\u0131<\/span>\u00a0<\/span>ve her bir notun ta<\/span>\u015f\u0131<\/span>d<\/span>\u0131\u011f\u0131<\/span>\u00a0<\/span>anlam<\/span>\u0131<\/span>\u00a0<\/span>i<\/span>\u00e7<\/span>eren cetveli,<\/span><\/p>\n

f) Derecelendirme notu: Kanun veya Kanuna istinaden<\/span>\u00a0<\/span>\u00e7\u0131<\/span>kar<\/span>\u0131<\/span>lan d<\/span>\u00fc<\/span>zenlemelerde<\/span>\u00a0<\/span>\u00f6<\/span>ng<\/span>\u00f6<\/span>r<\/span>\u00fc<\/span>len, yap<\/span>\u0131<\/span>lan inceleme ve analizler sonras<\/span>\u0131<\/span>nda m<\/span>\u00fc\u015f<\/span>terinin kredi de<\/span>\u011f<\/span>erlili<\/span>\u011f<\/span>ini temsil eden ve derecelendirme kurulu<\/span>\u015f<\/span>unca verilen dereceyi,<\/span><\/p>\n

g) Derecelendirme uzman<\/span>\u0131<\/span>: Derecelendirme komitesi<\/span>\u00a0<\/span>\u00fc<\/span>yeleri de dahil olmak<\/span>\u00a0<\/span>\u00fc<\/span>zere analiz yaparak veya analiz sonu<\/span>\u00e7<\/span>lar<\/span>\u0131<\/span>n<\/span>\u0131<\/span>\u00a0<\/span>de<\/span>\u011f<\/span>erlendirerek derecelendirme s<\/span>\u00fc<\/span>recinde do<\/span>\u011f<\/span>rudan g<\/span>\u00f6<\/span>rev alan ger<\/span>\u00e7<\/span>ek ki<\/span>\u015f<\/span>iyi,<\/span><\/p>\n

\u011f<\/span>) Dilim: Bir veya daha fazla riskle ba<\/span>\u011f<\/span>lant<\/span>\u0131<\/span>l<\/span>\u0131<\/span>\u00a0<\/span>olan kredi riskinin s<\/span>\u00f6<\/span>zle<\/span>\u015f<\/span>meyle belirlenen ve ilgili kesimdeki bir pozisyonun, di<\/span>\u011f<\/span>er kesimlerin her birinde bulunan ayn<\/span>\u0131<\/span>\u00a0<\/span>tutardaki bir pozisyondan,<\/span>\u00a0<\/span>\u00fc\u00e7\u00fc<\/span>nc<\/span>\u00fc<\/span>\u00a0<\/span>taraflarca sa<\/span>\u011f<\/span>lanan kredi korumalar<\/span>\u0131<\/span>\u00a0<\/span>dikkate al<\/span>\u0131<\/span>nmad<\/span>\u0131\u011f\u0131<\/span>nda daha fazla ya da daha az bir kredi zarar<\/span>\u0131<\/span>\u00a0<\/span>riski ta<\/span>\u015f\u0131<\/span>d<\/span>\u0131\u011f\u0131<\/span>\u00a0<\/span>kesimini,<\/span><\/p>\n

h) E<\/span>\u015f<\/span>le<\/span>\u015f<\/span>tirme: Yetkili derecelendirme kurulu<\/span>\u015f<\/span>lar<\/span>\u0131<\/span>n<\/span>\u0131<\/span>n ana derecelendirme not cetvelinde yer alan derecelendirme notlar<\/span>\u0131<\/span>n<\/span>\u0131<\/span>n tekab<\/span>\u00fc<\/span>l ettikleri kredi kalitesi kademelerinin Kurulca belirlenmesini,<\/span><\/p>\n

\u0131<\/span>) Finansal kurulu<\/span>\u015f<\/span>: Kanunun 3<\/span>\u00a0<\/span>\u00fc<\/span>nc<\/span>\u00fc<\/span>\u00a0<\/span>maddesinde tan<\/span>\u0131<\/span>mlanan finansal kurulu<\/span>\u015f<\/span>u,<\/span><\/p>\n

i) Finansal tablolar: Bankalar<\/span>\u0131<\/span>n Muhasebe Uygulamalar<\/span>\u0131<\/span>na ve Belgelerin Saklanmas<\/span>\u0131<\/span>na<\/span>\u00a0<\/span>\u0130<\/span>li<\/span>\u015f<\/span>kin Usul ve Esaslar Hakk<\/span>\u0131<\/span>nda Y<\/span>\u00f6<\/span>netmelikte belirtilen finansal tablolar<\/span>\u0131<\/span>,<\/span><\/p>\n

j) Geriye d<\/span>\u00f6<\/span>n<\/span>\u00fc<\/span>k test: Bir derecelendirme metodolojisinin ayr<\/span>\u0131\u015f<\/span>t<\/span>\u0131<\/span>rma g<\/span>\u00fc<\/span>c<\/span>\u00fc<\/span>n<\/span>\u00fc<\/span>n ve kalibrasyon kalitesinin ger<\/span>\u00e7<\/span>ekle<\/span>\u015f<\/span>mi<\/span>\u015f<\/span>\u00a0<\/span>verilerle test edilmesini,<\/span><\/p>\n

k) Ge<\/span>\u00e7<\/span>i<\/span>\u015f<\/span>\u00a0<\/span>matrisi: Bir derecelendirme metodolojisi kullan<\/span>\u0131<\/span>larak belirli bir s<\/span>\u00fc<\/span>re i<\/span>\u00e7<\/span>inde derecelendirilen m<\/span>\u00fc\u015f<\/span>terilerin, bu s<\/span>\u00fc<\/span>renin ba<\/span>\u015f<\/span>lang<\/span>\u0131<\/span>c<\/span>\u0131<\/span>nda sahip olduklar<\/span>\u0131<\/span>\u00a0<\/span>derecelendirme notlar<\/span>\u0131<\/span>n<\/span>\u0131<\/span>n s<\/span>\u00fc<\/span>re sonunda sahip olduklar<\/span>\u0131<\/span>\u00a0<\/span>derecelendirme notlar<\/span>\u0131<\/span>na da<\/span>\u011f\u0131<\/span>l<\/span>\u0131<\/span>m<\/span>\u0131<\/span>n<\/span>\u0131<\/span>\u00a0<\/span>y<\/span>\u00fc<\/span>zdesel veya ondal<\/span>\u0131<\/span>k olarak g<\/span>\u00f6<\/span>steren tabloyu,<\/span><\/p>\n

l) Hesap d<\/span>\u00f6<\/span>nemi: Bir takvim y<\/span>\u0131<\/span>l<\/span>\u0131<\/span>n<\/span>\u0131<\/span>,<\/span><\/p>\n

m) Kalibrasyon kalitesinin<\/span>\u00a0<\/span>\u00f6<\/span>l<\/span>\u00e7\u00fc<\/span>lmesi: Bir derecelendirme metodolojisi i<\/span>\u00e7<\/span>in kullan<\/span>\u0131<\/span>lan derecelendirme not cetvelindeki her bir derecelendirme notu i<\/span>\u00e7<\/span>in<\/span>\u00a0<\/span>\u00f6<\/span>ng<\/span>\u00f6<\/span>r<\/span>\u00fc<\/span>len uzun vadeli temerr<\/span>\u00fc<\/span>t olas<\/span>\u0131<\/span>l<\/span>\u0131\u011f\u0131<\/span>\u00a0<\/span>ile ilgili derecelendirme notu i<\/span>\u00e7<\/span>in ger<\/span>\u00e7<\/span>ekle<\/span>\u015f<\/span>en temerr<\/span>\u00fc<\/span>t oran<\/span>\u0131<\/span>n<\/span>\u0131<\/span>n<\/span>\u00a0<\/span>istatistiki<\/span>\u00a0<\/span>olarak kar<\/span>\u015f\u0131<\/span>la<\/span>\u015f<\/span>t<\/span>\u0131<\/span>r<\/span>\u0131<\/span>lmas<\/span>\u0131<\/span>n<\/span>\u0131<\/span>,<\/span><\/p>\n

n) Kamu kurulu<\/span>\u015f<\/span>u: Ticari alanda faaliyet g<\/span>\u00f6<\/span>stermiyor olmalar<\/span>\u0131<\/span>\u00a0<\/span>kayd<\/span>\u0131<\/span>yla; merkezi y<\/span>\u00f6<\/span>netime veya b<\/span>\u00f6<\/span>lgesel y<\/span>\u00f6<\/span>netime ya da yerel otoritelere kar<\/span>\u015f\u0131<\/span>\u00a0<\/span>sorumlu kamu idarelerini, b<\/span>\u00f6<\/span>lgesel ya da yerel otoritelere kar<\/span>\u015f\u0131<\/span>\u00a0<\/span>bu kamu idareleri gibi sorumlu olan veya a<\/span>\u00e7\u0131<\/span>k<\/span>\u00e7<\/span>a merkezi h<\/span>\u00fc<\/span>k<\/span>\u00fc<\/span>metin garantisi ve sahipli<\/span>\u011f<\/span>i alt<\/span>\u0131<\/span>nda bulunan ya da kurulu<\/span>\u015f<\/span>\u00a0<\/span>kanunlar<\/span>\u0131\u00e7<\/span>er<\/span>\u00e7<\/span>evesinde y<\/span>\u00f6<\/span>netilen ve kamu denetimine tabi olan kurulu<\/span>\u015f<\/span>lar<\/span>\u0131<\/span>,<\/span><\/p>\n

o) Kanun: 5411 say<\/span>\u0131<\/span>l<\/span>\u0131<\/span>\u00a0<\/span>Bankac<\/span>\u0131<\/span>l<\/span>\u0131<\/span>k Kanununu,<\/span><\/p>\n

\u00f6<\/span>) Kontrol: Kanunun 3<\/span>\u00a0<\/span>\u00fc<\/span>nc<\/span>\u00fc<\/span>\u00a0<\/span>maddesinde tan<\/span>\u0131<\/span>mlanan kontrol<\/span>\u00fc<\/span>,<\/span><\/p>\n

p) Kredi: Kanunun 48 inci maddesinin birinci f<\/span>\u0131<\/span>kras<\/span>\u0131<\/span>nda kredi say<\/span>\u0131<\/span>lan i<\/span>\u015f<\/span>lemleri,<\/span><\/p>\n

r) Kredi kalitesi kademesi: Kanunun 45 inci maddesine istinaden y<\/span>\u00fc<\/span>r<\/span>\u00fc<\/span>rl<\/span>\u00fc\u011f<\/span>e konulan sermaye yeterlili<\/span>\u011f<\/span>i oran<\/span>\u0131<\/span>n<\/span>\u0131<\/span>n hesaplanmas<\/span>\u0131<\/span>na ili<\/span>\u015f<\/span>kin usul ve esaslarda yer alan derecelendirmeye dayal<\/span>\u0131<\/span>\u00a0<\/span>uygulamalarda kullan<\/span>\u0131<\/span>lan ve m<\/span>\u00fc\u015f<\/span>terilerin kredi de<\/span>\u011f<\/span>erlili<\/span>\u011f<\/span>ini ifade eden e<\/span>\u015f<\/span>le<\/span>\u015f<\/span>tirme<\/span>\u00a0<\/span>\u00e7<\/span>er<\/span>\u00e7<\/span>evesinde belirlenen kademeyi,<\/span><\/p>\n

s) Kurul: Bankac<\/span>\u0131<\/span>l<\/span>\u0131<\/span>k D<\/span>\u00fc<\/span>zenleme ve Denetleme Kurulunu,<\/span><\/p>\n

\u015f<\/span>) Kurum: Bankac<\/span>\u0131<\/span>l<\/span>\u0131<\/span>k D<\/span>\u00fc<\/span>zenleme ve Denetleme Kurumunu,<\/span><\/p>\n

t) K<\/span>\u00fc\u00e7\u00fc<\/span>k ve orta b<\/span>\u00fc<\/span>y<\/span>\u00fc<\/span>kl<\/span>\u00fc<\/span>kteki i<\/span>\u015f<\/span>letmeler (KOB<\/span>\u0130<\/span>): Bakanlar Kurulunun<\/span>\u00a0<\/span>19\/10\/2005<\/span>\u00a0<\/span>tarihli ve 2005\/9617 say<\/span>\u0131<\/span>l<\/span>\u0131<\/span>Karar<\/span>\u0131<\/span>\u00a0<\/span>eki K<\/span>\u00fc\u00e7\u00fc<\/span>k ve Orta B<\/span>\u00fc<\/span>y<\/span>\u00fc<\/span>kl<\/span>\u00fc<\/span>kteki<\/span>\u00a0<\/span>\u0130\u015f<\/span>letmelerin Tan<\/span>\u0131<\/span>m<\/span>\u0131<\/span>, Nitelikleri ve S<\/span>\u0131<\/span>n<\/span>\u0131<\/span>fland<\/span>\u0131<\/span>r<\/span>\u0131<\/span>lmas<\/span>\u0131<\/span>\u00a0<\/span>Hakk<\/span>\u0131<\/span>nda Y<\/span>\u00f6<\/span>netmelikte ge<\/span>\u00e7<\/span>en tan<\/span>\u0131<\/span>m<\/span>\u0131<\/span>,<\/span><\/p>\n

u) Menkul k<\/span>\u0131<\/span>ymetle<\/span>\u015f<\/span>tirme: Maruz kal<\/span>\u0131<\/span>nan bir riskle veya risk havuzuyla ba<\/span>\u011f<\/span>lant<\/span>\u0131<\/span>l<\/span>\u0131<\/span>\u00a0<\/span>kredi riskinin dilimlere ayr<\/span>\u0131<\/span>ld<\/span>\u0131\u011f\u0131<\/span>,<\/span>\u00a0<\/span>\u00f6<\/span>demelerin ta<\/span>\u015f\u0131<\/span>nan riskin veya risk havuzunun performans<\/span>\u0131<\/span>na ba<\/span>\u011f<\/span>l<\/span>\u0131<\/span>\u00a0<\/span>oldu<\/span>\u011f<\/span>u ve kay<\/span>\u0131<\/span>p da<\/span>\u011f\u0131<\/span>l<\/span>\u0131<\/span>m<\/span>\u0131<\/span>n<\/span>\u0131<\/span>n bu dilimlerin s<\/span>\u0131<\/span>ralamas<\/span>\u0131<\/span>yla belirlendi<\/span>\u011f<\/span>i menkul k<\/span>\u0131<\/span>ymet ihrac<\/span>\u0131<\/span>na y<\/span>\u00f6<\/span>nelik i<\/span>\u015f<\/span>lem veya plan<\/span>\u0131<\/span>,<\/span><\/p>\n

\u00fc<\/span>) Merkezi y<\/span>\u00f6<\/span>netim: T<\/span>\u00fc<\/span>rkiye Cumhuriyeti Hazinesi ve<\/span>\u00a0<\/span>\u00d6<\/span>zelle<\/span>\u015f<\/span>tirme<\/span>\u00a0<\/span>\u0130<\/span>daresi ile T<\/span>\u00fc<\/span>rkiye Cumhuriyeti Hazinesi muadili yabanc<\/span>\u0131<\/span>\u00a0<\/span>merkezi y<\/span>\u00f6<\/span>netimleri,<\/span><\/p>\n

v) M<\/span>\u00fc\u015f<\/span>teri: Kendisinin veya ihra<\/span>\u00e7<\/span>\u00a0<\/span>etti<\/span>\u011f<\/span>i bor<\/span>\u00e7<\/span>lanma ara<\/span>\u00e7<\/span>lar<\/span>\u0131<\/span>n<\/span>\u0131<\/span>n kredi de<\/span>\u011f<\/span>erlili<\/span>\u011f<\/span>inin belirlenmesi amac<\/span>\u0131<\/span>yla derecelendirme yapt<\/span>\u0131<\/span>rmak<\/span>\u00a0<\/span>\u00fc<\/span>zere derecelendirme kurulu<\/span>\u015f<\/span>u ile s<\/span>\u00f6<\/span>zle<\/span>\u015f<\/span>me imzalayan ger<\/span>\u00e7<\/span>ek veya t<\/span>\u00fc<\/span>zel ki<\/span>\u015f<\/span>ileri,<\/span><\/p>\n

y) Nitelikli pay: Kanunun 3<\/span>\u00a0<\/span>\u00fc<\/span>nc<\/span>\u00fc<\/span>\u00a0<\/span>maddesinde tan<\/span>\u0131<\/span>mlanan nitelikli pay<\/span>\u0131<\/span>,<\/span><\/p>\n

z)<\/span>\u00a0<\/span>\u00d6<\/span>ng<\/span>\u00f6<\/span>r<\/span>\u00fc<\/span>len derecelendirme uygulamalar<\/span>\u0131<\/span>: Kanun veya Kanuna istinaden<\/span>\u00a0<\/span>\u00e7\u0131<\/span>kar<\/span>\u0131<\/span>lan d<\/span>\u00fc<\/span>zenlemelerde yer alan derecelendirmeye dayal<\/span>\u0131<\/span>\u00a0<\/span>uygulamalar<\/span>\u0131<\/span>,<\/span><\/p>\n

aa<\/span>) Talep edilmemi<\/span>\u015f<\/span>\u00a0<\/span>derecelendirme: Kar<\/span>\u015f\u0131<\/span>\u00a0<\/span>taraf<\/span>\u0131<\/span>n talebi olmaks<\/span>\u0131<\/span>z<\/span>\u0131<\/span>n derecelendirme kurulu<\/span>\u015f<\/span>unca, kamuoyuna a<\/span>\u00e7\u0131<\/span>klanan bilgi ve finansal tablolar esas al<\/span>\u0131<\/span>narak derecelendirme notu verilmesini,<\/span><\/p>\n

bb<\/span>) Tan<\/span>\u0131<\/span>nan derecelendirme notu: Bir uluslararas<\/span>\u0131<\/span>\u00a0<\/span>derecelendirme kurulu<\/span>\u015f<\/span>u veya bu kurulu<\/span>\u015f<\/span>un do<\/span>\u011f<\/span>rudan veya dolayl<\/span>\u0131<\/span>\u00a0<\/span>olarak kontrol<\/span>\u00fc<\/span>nde bulunan di<\/span>\u011f<\/span>er derecelendirme kurulu<\/span>\u015f<\/span>lar<\/span>\u0131<\/span>\u00a0<\/span>taraf<\/span>\u0131<\/span>ndan verilen derecelendirme notlar<\/span>\u0131<\/span>\u00a0<\/span>aras<\/span>\u0131<\/span>ndan bu uluslararas<\/span>\u0131<\/span>\u00a0<\/span>derecelendirme kurulu<\/span>\u015f<\/span>unun T<\/span>\u00fc<\/span>rkiye temsilcili<\/span>\u011f<\/span>i taraf<\/span>\u0131<\/span>ndan kabul edileni veya T<\/span>\u00fc<\/span>rkiye<\/span>\u2019<\/span>de kurulu derecelendirme kurulu<\/span>\u015f<\/span>lar<\/span>\u0131<\/span>n<\/span>\u0131<\/span>n do<\/span>\u011f<\/span>rudan veya dolayl<\/span>\u0131<\/span>\u00a0<\/span>olarak kontrol<\/span>\u00fc<\/span>nde bulunan yurtd<\/span>\u0131\u015f\u0131<\/span>ndaki derecelendirme kurulu<\/span>\u015f<\/span>lar<\/span>\u0131<\/span>\u00a0<\/span>taraf<\/span>\u0131<\/span>ndan verilen derecelendirme notlar<\/span>\u0131<\/span>\u00a0<\/span>aras<\/span>\u0131<\/span>ndan T<\/span>\u00fc<\/span>rkiye<\/span>\u2019<\/span>deki derecelendirme kurulu<\/span>\u015f<\/span>u taraf<\/span>\u0131<\/span>ndan kabul edileni,<\/span><\/p>\n

cc<\/span>) Uluslararas<\/span>\u0131<\/span>\u00a0<\/span>derecelendirme kurulu<\/span>\u015f<\/span>unun T<\/span>\u00fc<\/span>rkiye temsilcili<\/span>\u011f<\/span>i: Kurulu bulundu<\/span>\u011f<\/span>u<\/span>\u00a0<\/span>\u00fc<\/span>lke taraf<\/span>\u0131<\/span>ndan derecelendirme faaliyeti yapmak<\/span>\u00a0<\/span>\u00fc<\/span>zere yetkilendirilmi<\/span>\u015f<\/span>\u00a0<\/span>bir uluslararas<\/span>\u0131<\/span>\u00a0<\/span>derecelendirme kurulu<\/span>\u015f<\/span>unun kontrol<\/span>\u00fc<\/span>nde bulunan ve T<\/span>\u00fc<\/span>rkiye<\/span>\u2019<\/span>de anonim<\/span>\u00a0<\/span>\u015f<\/span>irket olarak faaliyet g<\/span>\u00f6<\/span>steren derecelendirme kurulu<\/span>\u015f<\/span>unu,<\/span><\/p>\n

\u00e7\u00e7<\/span>) Yap<\/span>\u0131<\/span>land<\/span>\u0131<\/span>r<\/span>\u0131<\/span>lm<\/span>\u0131\u015f<\/span>\u00a0<\/span>bor<\/span>\u00e7<\/span>lanma ara<\/span>\u00e7<\/span>lar<\/span>\u0131<\/span>: Hisse senedine, borsa endeksine, emtiaya, d<\/span>\u00f6<\/span>viz kuruna, ba<\/span>\u015f<\/span>ka bir bor<\/span>\u00e7<\/span>lanma arac<\/span>\u0131<\/span>na vb. dayanan veya bunlardan t<\/span>\u00fc<\/span>retilen ve bor<\/span>\u00e7<\/span>ludan ziyade i<\/span>\u015f<\/span>lemin yap<\/span>\u0131<\/span>s<\/span>\u0131<\/span>\u00a0<\/span>ve performans<\/span>\u0131<\/span>na ba<\/span>\u011f\u0131<\/span>ml<\/span>\u0131<\/span>olan bor<\/span>\u00e7<\/span>lanma ara<\/span>\u00e7<\/span>lar<\/span>\u0131<\/span>n<\/span>\u0131<\/span>,<\/span><\/p>\n

dd<\/span>) Yetkili derecelendirme kurulu<\/span>\u015f<\/span>u: Kurulca bu Y<\/span>\u00f6<\/span>netmelik uyar<\/span>\u0131<\/span>nca derecelendirme yapmaya yetkilendirilmi<\/span>\u015f<\/span>kurulu<\/span>\u015f<\/span>u,<\/span><\/p>\n

ee<\/span>) Y<\/span>\u00f6<\/span>netici: Yetkili derecelendirme kurulu<\/span>\u015f<\/span>unda genel m<\/span>\u00fc<\/span>d<\/span>\u00fc<\/span>r, genel m<\/span>\u00fc<\/span>d<\/span>\u00fc<\/span>r yard<\/span>\u0131<\/span>mc<\/span>\u0131<\/span>s<\/span>\u0131<\/span>\u00a0<\/span>olarak g<\/span>\u00f6<\/span>rev yapanlarla, bu unvanlar<\/span>\u0131<\/span>\u00a0<\/span>haiz olmamakla birlikte yetki ve g<\/span>\u00f6<\/span>revleri itibar<\/span>\u0131<\/span>yla bu pozisyonlara denk veya daha<\/span>\u00a0<\/span>\u00fc<\/span>st konumlarda g<\/span>\u00f6<\/span>rev yapan personeli<\/span><\/p>\n

ifade<\/span>\u00a0<\/span>eder.<\/span><\/p>\n

\u0130<\/span>K<\/span>\u0130<\/span>NC<\/span>\u0130<\/span>\u00a0<\/span>B<\/span>\u00d6<\/span>L<\/span>\u00dc<\/span>M<\/span><\/p>\n

 <\/p>\n

\u00a0DEVAMI<\/a><\/p>\n

\n

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

Bu Y\u00f6netmeli\u011fin amac\u0131, derecelendirme kurulu\u015flar\u0131n\u0131n yetkilendirilmesine, yetkilerinin ge\u00e7ici veya s\u00fcrekli olarak…  <\/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-3677","post","type-post","status-publish","format-standard","hentry","category-mevzuat-haberleri"],"_links":{"self":[{"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/posts\/3677","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=3677"}],"version-history":[{"count":3,"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/posts\/3677\/revisions"}],"predecessor-version":[{"id":3679,"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/posts\/3677\/revisions\/3679"}],"wp:attachment":[{"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/media?parent=3677"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/categories?post=3677"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/tags?post=3677"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}