Amerika Birleşik Devletleri’nde Yabancı Banka Uyum Sorunları: Yazılı Anlaşmalar Üzerine Bir İçerik Analizi
Yıl 2019,
Cilt: 6 Sayı: 2, 10 - 29, 01.07.2019
Mustafa Çelik
,
Ömer Tekşen
Öz
Bu çalışmanın
amacı, Amerika Birleşik Devletleri’nde (ABD) yabancı bankaların faaliyetleri
üzerinde etkili olan yasal ve düzenleyici çevreyi ortaya koymak ve bu
bankaların karşılaştığı yaptırım türleri üzerinden bu sektörde faaliyet
gösteren bankalara uyum sürecinde yol gösterici bir çerçeve oluşturmaktır. Bu
kapsamda çalışmada ABD bankacılık sektörü düzenleyicilerine ve uygulanmakta
olan yaptırımlara yer verilmiş ve Amerika Birleşik Devletleri Merkez
Bankası’nın (FED) 2009-2018 yılları arasında yabancı bankalarla yaptığı yazılı
anlaşmalar (written agreements) üzerinden içerik analizine gidilmiştir. Analiz,
ABD düzenleyicilerinin, yabancı bankalardan özellikle terörün finansmanı, kara
paranın aklanması ve işlem kaynağının zor tespiti gibi sorunlara yönelik
politika ve uygulama taleplerinin bulunduğunu ortaya koymaktadır. Çalışma
sonucuna göre ABD’de faaliyet gösteren bankalar, gelişmiş bilgi teknolojileri
ile desteklenmiş bir biçimde bankacılık işlemleri ve müşteriler için istihbarat
toplama sistemleri oluşturmalı, her bir işlemi potansiyel risk düzeyine göre irdelemeli
ve istihbarat ve risk değerlendirme sistemini sürekli olarak değerlendirip
güncellemelidir.
Kaynakça
- Acharya, V.V., Richardson, M. (2012). Implications of the Dodd-Frank Act. Annual Review of Financial Economics, 4, 1-38.
- Balasubramnian, B., Cyree, K.B. (2014). Has Market Discipline on Banks Improved After the Dodd–Frank Act?. Journal of Banking & Finance, 41, 155-166.
- Bankacılık, İmar ve Şehircilik İşleri Komitesi Senato Raporu (8 Ağustos 1978). No:95-1073. 06.12.2018 tarihinde https://www.congress.gov/bill/95th-congress/house-bill/10899/all-info adresinden erişildi.
- Barth, J.R., Li,T. &Lu, W. (2009). Bank Regulation in the United States. CESifo Economic Studies, 13.07.2018 tarihinde http://www.auburn.edu/~barthjr/publications/Bank%20Regulation%20in%20the%20United%20States.pdf. adresinden erişildi.
- Barut, D. (2017). Turkish Banks Could Face Big U.S. Fines Over Iran – Report. Reuters, 18.07.2018 tarihinde https://www.reuters.com/article/usa-turkey-banks/turkish-banks-could-face-big-u-s-fines-over-iran-report-idUSL8N1MW0E7 adresinden erişildi.
- Berlin, M. (2015). New Rules for Foreign Banks: What’s at Stake?. Philedelphia FED Business Review, Q1. 10.12.2018 tarihinde https://philadelphiafed.org/-/media/research-and-data/publications/business-review/2015/q1/brQ115_new_rules_for_foreign_banks.pdf adresinden erişildi.
- Bhattacharya, S., Boot, AW.A., & Thakor, A.V. (1998). The Economics of Bank Regulation. Journal of Money, Credit and Banking, 30(4), 745-770.Bryman, A. (2008). Social Research Methods (3rd Edt.). New York :Oxford University Press.
- Cangürel, O. (2012). Nedir şu Volcker Kuralı?. Dünya Gazetesi, 10.12.2018 tarihinde https://www.dunya.com/gundem/nedir-su-volcker-kurali-haberi-169421 adresinden erişildi.
- Canikligil, R. (2014). Amerika'dan Ziraat Bankası'na Büyük Darbe. Hürriyet Gazetesi, 18.07.2018 tarihinde http://www.hurriyet.com.tr/ekonomi/amerikadan-ziraat-bankasina-buyuk-darbe-27537234 adresinden erişildi.
- Clayton,N. (2015). Failures in the Prudential Regulation of Banks in The UK and US: Will the Lessons Be Learnt?. Law and Financial Markets Review, 9(2), 130-153.Dimitrov, V., Palia, D., Tang, L. (2015). Impact of the Dodd-Frank Act on Credit Ratings. Journal of Financial Economics, 115(3), 505-520.
- Holsti, O.R. (1969). Content Analysis for the Social Sciences and Humanities. Massachussets: Addison-Wesley.Hultman, C.W. (1993). US Regulation of Foreign Banks and the Financial Services Sector. International Journal of Bank Marketing, 11(1), 34-38.
- Kadıoğlu, Ö. (2017). ABD'nin Bankalara Kestiği Ceza 60 Milyar Dolar. Dünya Gazetesi, 18.07.2018 tarihinde https://www.dunya.com/kose-yazisi/abdnin-bankalara-kestigi-ceza-60-milyar-dolar/392448 adresinden erişildi.
- Kane, E.J. (2012). Missing Elements in US Financial Reform: A Kübler-Ross Interpretation of the Inadequacy of the Dodd-Frank Act. Journal of Banking & Finance, 36 (3), 654-661.
- Kurtaran Çelik, M. (2010). Bankaların Finansal Başarısızlıklarının Geleneksel ve Yeni Yöntemlerle Öngörüsü. Yönetim ve Ekonomi, 17(2), 129-143.Li, H., Liu,H., Siganos, A., Zhou, M. (2016). Bank Regulation, Financial Crisis, and the Announcement Effects of Seasoned Equity Offerings of US Commercial Banks. Journal of Financial Stability, 25, 37-46.
- Lu, Q. (2015). The US Government Dual Banking Regulation Levels, Transaction Costs and HSBC’s Strategy in Acquiring Marine Midland Banks, Inc., 1978–80. Business History, 52(6), 955-977.
- Lucio, S.E., (1986). Establishment of a Banking Presence in the United States by Foreign Banks. North Carolina Journal Of International Law And Commercial Regulation, 11(3), 583-596.
- Markham, J.W., Broome, L.L. (2000). Banking and Insurance: Before and after the Gramm-Leach-Bliley Act. Florida International University College of Law eCollections, 10.12.2018 tarihinde https://ecollections.law.fiu.edu/cgi/viewcontent.cgi?article=1359&context=faculty_publications adresinden erişildi.
- Matejašák, M., Teplý, P., Černohorský, J.(2009). The Impact of Regulation of Banks in The US and the EU-15 Countries. Ekonomie a Management, 12(3), 58-68.
- Misback, A.E. (1993). The Foreign Bank Supervision Enhancement Act of 1991. Federal Reserve Bulletin, Ocak 1993 Sayısı, 1-10. 07.12.2018 tarihinde https://fraser.stlouisfed.org/files/docs/publications/FRB/pages/1990-1994/33097_1990-1994.pdf adresinden erişildi.
- Murphy, E.V.(2015). Who Regulates Whom and How? An Overview of U.S. Financial Regulatory Policy for Banking and Securities Markets. Congressional Research Service Report, 7-5700. 10.12.2018 tarihinde https://fas.org/sgp/crs/misc/R43087.pdf adresinden erişildi.
- Roman, R.A. (2016). Enforcement Actions and Bank Loan Contracting. Federal Reserve Bank of Kansas City Economic Review, 4th Quarter of 2016, 69-100.
- Scott, K. (2014). Non-U.S. Banks Operating in the United States—The Federal Reserve as Gatekeeper. Taxation and Regulation of Financial Institutions, 27(4), 37-49.
- Sekaran, U., Bougıe, R. (2010). Research Methods for Business A Skill Building Approach, Fifth Edition. West Susex :A John Wilwyand Sons, Ltd, Publication.
- Spong, K.(2000). Banking Regulation: Its Purposes, Implementation and Effects (5th ed.). Missouri: Federal Reserve Bank of Kansas City.
- Srinivas, V., Byler, D., Wadhwani, R., Ranjan, A.,Krishna,V. (2015). Enforcement Actions in the Banking Industry: Trends and Lessons Learned. Deloitte Center for Financial Services Research Report. 12.12.2018 tarihinde https://www2.deloitte.com/content/dam/insights/us/articles/bank-enforcement-actions-trends-in-banking-industry/DUP1372_EnforcementActionsBanking_120815.pdf adresinden erişildi..
- VanHoose, D.D. (2008). Bank Capital Regulation, Economic Stability, and Monetary Policy: What Does the Academic Literature Tell Us?. Atlantic Economic Society Journal, 36, 1-14.
- Vurucu, M.,& Arı, M.U. (2014). A’dan Z’ye Bankacılık: Yasal Mevzuat, Ürün ve Hizmetler, Uygulamalar. Ankara: Seçkin Kitabevi.
- Walker, D.A. (1983). U.S. Banking Regulations and Foreign Banks’ Entry Into The United States. Journal of Banking and Finance, 7, 569-580.
- Wall, L.D. (2017). Recent Changes in US Regulation of Large Foreign Banking Organizations. Journal of Financial Regulation and Compliance, 25(3), 318-332.
- White, B.B. (1982). Foreign Banking in the United States: A Regulatory and Supervisory Perspective. Federal Reserve Bank of New York Quarterly Review, Summer 1982, 48-58.
- Wilf, M. (2016). Credibility and Distributional Effects of International Banking Regulations: Evidence from US Bank Stock Returns. International Organization, 70(4), 763-796.
- https://data.worldbank.org/
- http://www.intracen.org
- http://www.dbf.georgia.gov
- http://www.federalreserve.gov
Foreign Bank Organization Complience Problems In Us: A Content Analysis On Written Agreements
Yıl 2019,
Cilt: 6 Sayı: 2, 10 - 29, 01.07.2019
Mustafa Çelik
,
Ömer Tekşen
Öz
The aim of this
paper is to present legal and regulatory enviroment that affects US foreign
banks’ activities and constitute an advisory
framework for foreign banks in complience process that operate in US by analysing
enforcement actions on banking sector. In this context, it is given wide
coverage to US banking sector regulatory bodies and enforcement actions and
content analysis on FED’s written agreements with foreign banks between 2009-2018
years are conducted. According to the results, US regulators demands,policies
and measures for preventing terrorism financing, anti-money laundering and
tracking international financial transactions from foreign banking
organizations. Foreign banking organizations (FBOs) should establish customer
due-dilligence systems that are supported with
developed IT systems; investigate each financial transaction according
to potential risk level and review and update customer due-dilligence and
financial acticity monitoring systems regularly.
Kaynakça
- Acharya, V.V., Richardson, M. (2012). Implications of the Dodd-Frank Act. Annual Review of Financial Economics, 4, 1-38.
- Balasubramnian, B., Cyree, K.B. (2014). Has Market Discipline on Banks Improved After the Dodd–Frank Act?. Journal of Banking & Finance, 41, 155-166.
- Bankacılık, İmar ve Şehircilik İşleri Komitesi Senato Raporu (8 Ağustos 1978). No:95-1073. 06.12.2018 tarihinde https://www.congress.gov/bill/95th-congress/house-bill/10899/all-info adresinden erişildi.
- Barth, J.R., Li,T. &Lu, W. (2009). Bank Regulation in the United States. CESifo Economic Studies, 13.07.2018 tarihinde http://www.auburn.edu/~barthjr/publications/Bank%20Regulation%20in%20the%20United%20States.pdf. adresinden erişildi.
- Barut, D. (2017). Turkish Banks Could Face Big U.S. Fines Over Iran – Report. Reuters, 18.07.2018 tarihinde https://www.reuters.com/article/usa-turkey-banks/turkish-banks-could-face-big-u-s-fines-over-iran-report-idUSL8N1MW0E7 adresinden erişildi.
- Berlin, M. (2015). New Rules for Foreign Banks: What’s at Stake?. Philedelphia FED Business Review, Q1. 10.12.2018 tarihinde https://philadelphiafed.org/-/media/research-and-data/publications/business-review/2015/q1/brQ115_new_rules_for_foreign_banks.pdf adresinden erişildi.
- Bhattacharya, S., Boot, AW.A., & Thakor, A.V. (1998). The Economics of Bank Regulation. Journal of Money, Credit and Banking, 30(4), 745-770.Bryman, A. (2008). Social Research Methods (3rd Edt.). New York :Oxford University Press.
- Cangürel, O. (2012). Nedir şu Volcker Kuralı?. Dünya Gazetesi, 10.12.2018 tarihinde https://www.dunya.com/gundem/nedir-su-volcker-kurali-haberi-169421 adresinden erişildi.
- Canikligil, R. (2014). Amerika'dan Ziraat Bankası'na Büyük Darbe. Hürriyet Gazetesi, 18.07.2018 tarihinde http://www.hurriyet.com.tr/ekonomi/amerikadan-ziraat-bankasina-buyuk-darbe-27537234 adresinden erişildi.
- Clayton,N. (2015). Failures in the Prudential Regulation of Banks in The UK and US: Will the Lessons Be Learnt?. Law and Financial Markets Review, 9(2), 130-153.Dimitrov, V., Palia, D., Tang, L. (2015). Impact of the Dodd-Frank Act on Credit Ratings. Journal of Financial Economics, 115(3), 505-520.
- Holsti, O.R. (1969). Content Analysis for the Social Sciences and Humanities. Massachussets: Addison-Wesley.Hultman, C.W. (1993). US Regulation of Foreign Banks and the Financial Services Sector. International Journal of Bank Marketing, 11(1), 34-38.
- Kadıoğlu, Ö. (2017). ABD'nin Bankalara Kestiği Ceza 60 Milyar Dolar. Dünya Gazetesi, 18.07.2018 tarihinde https://www.dunya.com/kose-yazisi/abdnin-bankalara-kestigi-ceza-60-milyar-dolar/392448 adresinden erişildi.
- Kane, E.J. (2012). Missing Elements in US Financial Reform: A Kübler-Ross Interpretation of the Inadequacy of the Dodd-Frank Act. Journal of Banking & Finance, 36 (3), 654-661.
- Kurtaran Çelik, M. (2010). Bankaların Finansal Başarısızlıklarının Geleneksel ve Yeni Yöntemlerle Öngörüsü. Yönetim ve Ekonomi, 17(2), 129-143.Li, H., Liu,H., Siganos, A., Zhou, M. (2016). Bank Regulation, Financial Crisis, and the Announcement Effects of Seasoned Equity Offerings of US Commercial Banks. Journal of Financial Stability, 25, 37-46.
- Lu, Q. (2015). The US Government Dual Banking Regulation Levels, Transaction Costs and HSBC’s Strategy in Acquiring Marine Midland Banks, Inc., 1978–80. Business History, 52(6), 955-977.
- Lucio, S.E., (1986). Establishment of a Banking Presence in the United States by Foreign Banks. North Carolina Journal Of International Law And Commercial Regulation, 11(3), 583-596.
- Markham, J.W., Broome, L.L. (2000). Banking and Insurance: Before and after the Gramm-Leach-Bliley Act. Florida International University College of Law eCollections, 10.12.2018 tarihinde https://ecollections.law.fiu.edu/cgi/viewcontent.cgi?article=1359&context=faculty_publications adresinden erişildi.
- Matejašák, M., Teplý, P., Černohorský, J.(2009). The Impact of Regulation of Banks in The US and the EU-15 Countries. Ekonomie a Management, 12(3), 58-68.
- Misback, A.E. (1993). The Foreign Bank Supervision Enhancement Act of 1991. Federal Reserve Bulletin, Ocak 1993 Sayısı, 1-10. 07.12.2018 tarihinde https://fraser.stlouisfed.org/files/docs/publications/FRB/pages/1990-1994/33097_1990-1994.pdf adresinden erişildi.
- Murphy, E.V.(2015). Who Regulates Whom and How? An Overview of U.S. Financial Regulatory Policy for Banking and Securities Markets. Congressional Research Service Report, 7-5700. 10.12.2018 tarihinde https://fas.org/sgp/crs/misc/R43087.pdf adresinden erişildi.
- Roman, R.A. (2016). Enforcement Actions and Bank Loan Contracting. Federal Reserve Bank of Kansas City Economic Review, 4th Quarter of 2016, 69-100.
- Scott, K. (2014). Non-U.S. Banks Operating in the United States—The Federal Reserve as Gatekeeper. Taxation and Regulation of Financial Institutions, 27(4), 37-49.
- Sekaran, U., Bougıe, R. (2010). Research Methods for Business A Skill Building Approach, Fifth Edition. West Susex :A John Wilwyand Sons, Ltd, Publication.
- Spong, K.(2000). Banking Regulation: Its Purposes, Implementation and Effects (5th ed.). Missouri: Federal Reserve Bank of Kansas City.
- Srinivas, V., Byler, D., Wadhwani, R., Ranjan, A.,Krishna,V. (2015). Enforcement Actions in the Banking Industry: Trends and Lessons Learned. Deloitte Center for Financial Services Research Report. 12.12.2018 tarihinde https://www2.deloitte.com/content/dam/insights/us/articles/bank-enforcement-actions-trends-in-banking-industry/DUP1372_EnforcementActionsBanking_120815.pdf adresinden erişildi..
- VanHoose, D.D. (2008). Bank Capital Regulation, Economic Stability, and Monetary Policy: What Does the Academic Literature Tell Us?. Atlantic Economic Society Journal, 36, 1-14.
- Vurucu, M.,& Arı, M.U. (2014). A’dan Z’ye Bankacılık: Yasal Mevzuat, Ürün ve Hizmetler, Uygulamalar. Ankara: Seçkin Kitabevi.
- Walker, D.A. (1983). U.S. Banking Regulations and Foreign Banks’ Entry Into The United States. Journal of Banking and Finance, 7, 569-580.
- Wall, L.D. (2017). Recent Changes in US Regulation of Large Foreign Banking Organizations. Journal of Financial Regulation and Compliance, 25(3), 318-332.
- White, B.B. (1982). Foreign Banking in the United States: A Regulatory and Supervisory Perspective. Federal Reserve Bank of New York Quarterly Review, Summer 1982, 48-58.
- Wilf, M. (2016). Credibility and Distributional Effects of International Banking Regulations: Evidence from US Bank Stock Returns. International Organization, 70(4), 763-796.
- https://data.worldbank.org/
- http://www.intracen.org
- http://www.dbf.georgia.gov
- http://www.federalreserve.gov