Publication: Banka kredi hukukunda teminatlar
Abstract
BANKA KREDİ HUKUKUNDA TEMINATLAR Teknolojinin gelişmesi bankacılık sektöründe birçok yeni bankacılık hizmetlerinin de ortaya çıkmasını sağlamıştır. Ancak tüm bu yeni hizmetler, bankaların temel işlevleri olan, mevduat toplamak ve kredi vermek gibi en eski hizmetlerini gölgede bırakmaya yetmemiştir. Bankaların topladıkları mevduatları kredi olarak kullandırma faaliyetleri, yine de en yüksek kazancı sağlamaktadır. Ancak, bu durum beraberinde yüksek bir riski de taşımaktadır. Bankalar, nakdi veya gayrinakdi kredi sağladıklarında, bu kredilerin geri ödemensinde doğacak veya doğması muhtemel zararları karşılamak için bir teminat almak zorundadırlar. Çalışmamızda bankaların aldıkları en önemli teminat türleri açıklanmaya çalışılmıştır. Bu teminatlar, şahsi ve ayni olmak üzere iki bölüme ayrılmaktadır .Şahsi teminatlar, kefalet ve teminat mektupları olarak karşımıza çıkmaktadır. Ayni teminatlar ise, menkul, ticari işletme rehni ve gayrimenkul rehni olarak ele alımaktadır. Taşınır rehni başlığı altında ayrıca hayvan rehni, alacak rehni, motorlu taşıtlar rehni ve gemi ipoteği de anlatılmağa çalışmıştır.
GUARANTIES IN CREDIT BANKING LAW The development of technology has provided many new banking services to banking sector. But these new services could not leave under shadow the earliest two basic fundamental services provided by banks as deposits and loans. Providing loans with gathered deposits provides the highest profit to the banks. But at the same time this brings as well the highest risks. The banks while issuing cash and non-cash loans, in order to cover the possible losses from the loans, generally take collateral or guaranties. In our study we have try to explain the most important guaranties. These guaranties are divided in two principal parts. Personal guaranties are coming through as surety ship and letter of guaranties. Real guaranties are examined as pledge of movables, pledge of enterprise and pledge of immovable (mortgage). Under pledge it has been tried to explain the pledge of animals, pledge of receivables, pledge of vehicles and pledge of the ship.
GUARANTIES IN CREDIT BANKING LAW The development of technology has provided many new banking services to banking sector. But these new services could not leave under shadow the earliest two basic fundamental services provided by banks as deposits and loans. Providing loans with gathered deposits provides the highest profit to the banks. But at the same time this brings as well the highest risks. The banks while issuing cash and non-cash loans, in order to cover the possible losses from the loans, generally take collateral or guaranties. In our study we have try to explain the most important guaranties. These guaranties are divided in two principal parts. Personal guaranties are coming through as surety ship and letter of guaranties. Real guaranties are examined as pledge of movables, pledge of enterprise and pledge of immovable (mortgage). Under pledge it has been tried to explain the pledge of animals, pledge of receivables, pledge of vehicles and pledge of the ship.