Matbaa-K\u0131rtasiye ve Tabelac\u0131 Esnaf Odas\u0131 Ba\u015fkan\u0131 Hikmet Karaca, Yeni T\u00fcrk Ticaret Kanunun 01 Temmuz 2012 tarihinden itibaren y\u00fcr\u00fcrl\u00fc\u011fe girmesi ile birlikte bir s\u00fcr\u00fc olumsuzlu\u011funda beraberinde ya\u015fand\u0131\u011f\u0131n\u0131 s\u00f6yledi.<\/p>\n
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Karaca, \u201cYeni T\u00fcrk Ticaret Kanununa paralel y\u00fcr\u00fcrl\u00fc\u011fe giren \u201cBanka Kredilerinde E\u015f R\u0131zas\u0131 Aran\u0131r\u201d h\u00fckm\u00fc ile kredi almakta zorlanan esnaf\u0131n i\u015fi \u00e7\u0131kmaza girmi\u015f oldu. Kanunun bu \u015fekilde devam etmesi halinde, hi\u00e7bir esnaf ve tacir kredi ve \u00e7ek kullanamaz hale gelecektir\u201d dedi.<\/p>\n
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\n01 Temmuz 2012 tarihinden itibaren sonra \u00e7ek ko\u00e7an\u0131 biten esnaftan ipotek istendi\u011fini, ipote\u011fi olmayan tacir veya esnafa yeni \u00e7ek ko\u00e7an\u0131 verilmedi\u011fini dile getiren Karaca, \u201cEsnaf\u0131n kredi ba\u015fvurular\u0131 da ayn\u0131 i\u015fleme tabi tutulmaktad\u0131r. Di\u011fer taraftan, Esnaf Kefalet ve Kredi Kooperatiflerinde de ayn\u0131 s\u0131k\u0131nt\u0131 ya\u015fanmaya ba\u015flad\u0131. \u015e\u00f6yle ki; e\u015f r\u0131zas\u0131 olmadan esnaf ne kredi alabiliyor, nede kefil bulabiliyor. Kredi kullan\u0131m\u0131nda kefillerde m\u00fcteselsil bor\u00e7lu olduklar\u0131ndan dolay\u0131, kefillerinde e\u015flerinden muvafakatname almalar\u0131 gerekiyor. Bu da kefil bulmaya i\u015fini daha da zorla\u015ft\u0131rmaktad\u0131r.<\/p>\n
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\nKanunun 584\u2019\u00fcnc\u00fc maddesine g\u00f6re, mahkemece verilmi\u015f bir ayr\u0131l\u0131k karar\u0131 olmad\u0131k\u00e7a veya yasal olarak ayr\u0131 ya\u015fama hakk\u0131 do\u011fmad\u0131k\u00e7a e\u015flerden birinin, bir banka kredisine kefil olaca\u011f\u0131 zaman, di\u011ferinin yaz\u0131l\u0131 r\u0131zas\u0131n\u0131n almas\u0131 gerekir. Banka kredileri han\u0131mlar aras\u0131nda ho\u015f kar\u015f\u0131lanmad\u0131\u011f\u0131ndan, han\u0131mlar\u0131n r\u0131zas\u0131n\u0131 almak \u00e7ok zor olacakt\u0131r.<\/p>\n
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\nYasan\u0131n y\u00fcr\u00fcrl\u00fc\u011fe girmesi ile birlikte, bankalar, yapt\u0131klar\u0131 yeni kefalet s\u00f6zle\u015fmelerinde bu h\u00fckm\u00fc uygulamaktad\u0131rlar. Bankalar\u0131n mevcut bir ticari kredi i\u00e7in daha \u00f6nceden tahsis edilen limitin kulland\u0131r\u0131lmas\u0131 durumunda bile, m\u00fc\u015fterilerine yeni kredi s\u00f6zle\u015fmesi imzalatmakta, e\u015flerden de kefalete r\u0131za g\u00f6sterdiklerine dair imza istemektedirler. Yukar\u0131da anlat\u0131lan sebeplerden dolay\u0131, kefilin e\u015f r\u0131zas\u0131n\u0131 almak m\u00fcmk\u00fcn olmuyor.
\nBizler Esnaf ve Sanatkarlar\u0131n temsilcileri olarak, ticari kredi alabilmek i\u00e7in e\u015flerden kefalet r\u0131zas\u0131 konusunun b\u00fcy\u00fck s\u0131k\u0131nt\u0131lara sebep olaca\u011f\u0131 a\u015fikard\u0131r. Daha \u015fimdiden b\u00fcy\u00fck s\u0131k\u0131nt\u0131lara yol a\u00e7an bu kanunun bir an \u00f6nce de\u011fi\u015ftirilmesi veya yeniden d\u00fczenlenmesi gerekmektedir.\u201d diye konu\u015ftu.<\/p>\n","protected":false},"excerpt":{"rendered":"
Matbaa-K\u0131rtasiye ve Tabelac\u0131 Esnaf Odas\u0131 Ba\u015fkan\u0131 Hikmet Karaca, Yeni T\u00fcrk Ticaret Kanunun 01 Temmuz 2012 tarihinden itibaren y\u00fcr\u00fcrl\u00fc\u011fe girmesi ile birlikte bir s\u00fcr\u00fc olumsuzlu\u011funda beraberinde ya\u015fand\u0131\u011f\u0131n\u0131 s\u00f6yledi. Karaca, \u201cYeni T\u00fcrk Ticaret Kanununa paralel y\u00fcr\u00fcrl\u00fc\u011fe giren \u201cBanka Kredilerinde E\u015f R\u0131zas\u0131 Aran\u0131r\u201d h\u00fckm\u00fc ile kredi almakta zorlanan esnaf\u0131n i\u015fi \u00e7\u0131kmaza girmi\u015f oldu. Kanunun bu \u015fekilde […]<\/p>\n","protected":false},"author":1,"featured_media":3425,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-3424","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi"],"_links":{"self":[{"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/posts\/3424","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=3424"}],"version-history":[{"count":0,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/posts\/3424\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/media\/3425"}],"wp:attachment":[{"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=3424"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=3424"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=3424"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}