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TASARRUF FİNANSMAN ŞİRKETLERİNİN HUKUKİ DÜZENLEMESİNDE ‘GÜVEN’ UNSURUNUN DEĞERLENDİRİLMESİ

Yıl 2023, Cilt: 9 Sayı: 1, 3 - 16, 30.06.2023
https://doi.org/10.55027/tfm.1165398

Öz

Türkiye’de tasarruf finansman sistemi, dini nedenlerle faize hassasiyeti olan kişiler, faiz oranlarını yüksek bulan veya banka kredisi almaya uygun olmayan kişiler arasında daha fazla popüler olmaya başlamıştır. Türkiye'de mevcut konut kredisi finansman sistemine tek alternatif olarak 1991 yılından itibaren varlığını hissettiren bu sistemde bilhassa banka kredisine uygun olmayan gayrimenkullerin satışında kolaylık sağlanmış ve konvansiyonel yollardan taşınmaz sahibi olamayan veya olmak istemeyen kişilere konut ediniminde yeni bir finansman türü sunulmuştur. Zaman içinde sisteme olan talebin artması ve bu tür finansman firmaları ile kişiler arasındaki uyuşmazlıklardan kaynaklanan haberlerin kamuoyunda gündeme gelmesiyle birlikte deregülasyon sorunu ve bunun sonucunda ortaya çıkan firmalara ve sisteme olan güven eksikliği sistemin hukuki müdahaleyle düzenlenmesi sonucunu doğurmuştur. Mart 2021 tarihinde yapılan yasal düzenleme ile hem tüketicinin hem de sisteme olan kamu güveninin korunması ve artırılması için somut ve umut verici bir adım atılmıştır. İlgili kanuni düzenleme amacı doğrultusunda hareket ederken sadece sisteme olan kamu güveni değil, aynı zamanda iç güveni sağlayıcı diğer mekanizmaları da bünyesine dahil ederek Türk finansal ekosisteminde çeşitliliği artırmıştır.

Kaynakça

  • Adler, Paul S. (2001), ‘Market, Hierarchy, and Trust: The Knowledge Economy and the Future of Capitalism’ Organization Science S:12, C: 2, s. 215-234.
  • Alman Federal İçişleri ve Toplum Bakanlığı, Saving to Build or Buy a Home, https://www.bmi.bund.de/EN/topics/building-housing/city-housing/home-ownership-housing-assistance/bausparen-en/bausparen-en-node.html s.e.t. 10 Temmuz 2022.
  • Arrow, Kenneth J (1972), ‘Gifts and Exchanges’ Philosophy and Public Affairs, S: 1, s. 343-362.
  • Basaran, Bahriye & Bagheri, Mahmood (2020), ‘The Relevance of Trust and Confidence in Financial Markets to the Information Production Role of Banks’ European Journal of Risk Regulation, S: 11, C:3, s. 650-666.
  • BDDK (2021) Basın Açıklaması, <https://www.bddk.org.tr/Duyuru/EkGetir/851?ekId=779> s.e.t. 2 Temmuz 2022.
  • BDDK (2021), Tasarruf Finansman Şirketleri Hakkında <https://www.bddk.org.tr/Duyuru/Detay/887> s.e.t. 3 Temmuz 2022.
  • BDDK (2021), Tasarruf Finansman Şirketleri Hakkında <https://www.bddk.org.tr/Duyuru/Detay/887> s.e.t. 3 Temmuz 2022.
  • Chiquer, Loic & Lea, Michael J. (2009) Housing Finance Policy in Emerging Markets, Washington, The World Bank.
  • Diamond, DW & Dybvig, PH (1983), ‘Bank Runs, Deposit Insurance, and Liquidity’ Journal of Political Economy, S: 91, C:3, s. 401-419.
  • Endes Selvi, Nurtaç (2021) ‘Tasarruf Finansman Sözleşmesi’ Necmettin Erbakan Üniversitesi Hukuk Fakültesi Dergisi, S: 4, C: 2, s. 441- 467.
  • Fernandes, Daniel & Lynch Jr., John G. & Netemeyer, Richard G. (2014) ‘Financial Literacy, Financial Education, and Downstream Financial Behaviors’ Management Science, S:60, C: 8, s. 1861-1883.
  • Frankel, Tamar (2008) Trust and Honesty: America’s Business Culture at Crossroads, New York, Oxford University Press.
  • Fukuyama, Francis (1995) Trust: The Social Virtues and the Creation of Prosperity, New York, The Free Press.
  • Goodhart, Charles & Hartmann, Philipp & Llewellyn, David & Rojas-Suares, Liliana& Weisbrod, Steven (1998) Financial Regulation: Why, How and Where Now?, Oxon, Routledge.
  • Hellwig, Martin F (2009), ‘Systemic Risk in the Financial Sector: An Analysis of the Subprime-Mortgage Financial Crisis’ De Economist, S:157, C: 2, s. 129-207.
  • Lea, M. J. & Renaud, B. (1995) Contractual Savings for Housing: How Suitable are They for Transitional Economies, Washington, World Bank.
  • Lins, Karl V. & Servaes, Henri & Tamayo, Ane (2017), ‘Social Capital, Trust, and Firm Performance: The Value of Corporate Social Responsibility during the Financial Crisis’ The Journal of Finance, S:72, C: 4, s. 1785-1824.
  • Mulbert, Peter O. & Sajnovitz, Alexander (2017) ‘The Element of Trust in Financial Markets Law’ German Law Journal, S:18, C:1, s. 1-38. Robinson, Marquerite S. (2001) The Microfinance Revolution, Washington, The World Bank.
  • Roy, Friedemann (2004) ‘The Implementation of Contract Savings Schemes for Housing (Bausparen) in Belarus’ IPM Research Center Papers, S: PP/13, C: 04, s. 1-13.
  • Smith, Adam (1763, reprinted 1978) Lectures on Jurisprudence, New York, Oxford University Press.
  • TMSF (2022) <https://www.tmsf.org.tr/tr/Basin/List/tasarruf-finansman-sozlesmelerinin-devir-duyurusu > s.e.t. 4 Temmuz 2022.
  • TMSF (2021) <https://www.tmsf.org.tr/tr/Tmsf/Finansman/tasfiye.surec> s.e.t. 4 Temmuz 2022.
  • Türkiye Cumhuriyeti Cumhurbaşkanlığı (Haziran 2020) <https://www.tccb.gov.tr/haberler/410/120424/-turkiye-nin-salgina-yonelik-basarisi-ulkemize-yonelik-ilgiyi-daha-da-arttirdi-> s.e.t. 2 Temmuz 2022.
  • Türkiye Cumhuriyeti Kalkınma Bakanlığı (2014) Finansal Hizmetler, Özel İhtisas Komisyonu Raporu, <https://www.sbb.gov.tr/wp-content/uploads/2018/10/10_FinansalHizmetler.pdf> s.e.t. 3 Ocak 2022.
  • Warde, Ibrahim (2000) Islamic Finance in the Global Economy, Edinburgh, Edinburgh University Press.

AN EXAMINATION OF THE 'TRUST' ELEMENT IN THE LEGAL REGULATION OF SAVINGS FINANCING COMPANIES

Yıl 2023, Cilt: 9 Sayı: 1, 3 - 16, 30.06.2023
https://doi.org/10.55027/tfm.1165398

Öz

People who are sensitive to interest for religious reasons, who find the interest rates charged by traditional lending institutions to be too excessive, or who are simply not qualified to apply for bank loans have been increasingly turning to Turkey's savings financing system. This system’s popularity has been on the rise since its appearance as the sole alternative to the pre-existing Turkish housing loan financing system in 1991 and it has particularly facilitated the sale of the real estate that is unsuitable for bank loans, and provided a new form of financing to those who cannot or do not wish to purchase real estate using traditional methods. The public's lack of trust in these companies and the system has increased along with the demand for the system over time. This has prompted the system to be regulated through legal intervention as a result of extensive media portrayals of the conflicts between these financing companies and individuals and the laws' silence on this type of financing. A significant and encouraging step has been taken to safeguard and boost public and particularly consumer confidence in the system with the legal regulation passed in March 2021. By including additional procedures to ensure internal trust in addition to public trust-inspiring devices, the pertinent legislation has increased the diversity in the Turkish financial ecosystem.

Kaynakça

  • Adler, Paul S. (2001), ‘Market, Hierarchy, and Trust: The Knowledge Economy and the Future of Capitalism’ Organization Science S:12, C: 2, s. 215-234.
  • Alman Federal İçişleri ve Toplum Bakanlığı, Saving to Build or Buy a Home, https://www.bmi.bund.de/EN/topics/building-housing/city-housing/home-ownership-housing-assistance/bausparen-en/bausparen-en-node.html s.e.t. 10 Temmuz 2022.
  • Arrow, Kenneth J (1972), ‘Gifts and Exchanges’ Philosophy and Public Affairs, S: 1, s. 343-362.
  • Basaran, Bahriye & Bagheri, Mahmood (2020), ‘The Relevance of Trust and Confidence in Financial Markets to the Information Production Role of Banks’ European Journal of Risk Regulation, S: 11, C:3, s. 650-666.
  • BDDK (2021) Basın Açıklaması, <https://www.bddk.org.tr/Duyuru/EkGetir/851?ekId=779> s.e.t. 2 Temmuz 2022.
  • BDDK (2021), Tasarruf Finansman Şirketleri Hakkında <https://www.bddk.org.tr/Duyuru/Detay/887> s.e.t. 3 Temmuz 2022.
  • BDDK (2021), Tasarruf Finansman Şirketleri Hakkında <https://www.bddk.org.tr/Duyuru/Detay/887> s.e.t. 3 Temmuz 2022.
  • Chiquer, Loic & Lea, Michael J. (2009) Housing Finance Policy in Emerging Markets, Washington, The World Bank.
  • Diamond, DW & Dybvig, PH (1983), ‘Bank Runs, Deposit Insurance, and Liquidity’ Journal of Political Economy, S: 91, C:3, s. 401-419.
  • Endes Selvi, Nurtaç (2021) ‘Tasarruf Finansman Sözleşmesi’ Necmettin Erbakan Üniversitesi Hukuk Fakültesi Dergisi, S: 4, C: 2, s. 441- 467.
  • Fernandes, Daniel & Lynch Jr., John G. & Netemeyer, Richard G. (2014) ‘Financial Literacy, Financial Education, and Downstream Financial Behaviors’ Management Science, S:60, C: 8, s. 1861-1883.
  • Frankel, Tamar (2008) Trust and Honesty: America’s Business Culture at Crossroads, New York, Oxford University Press.
  • Fukuyama, Francis (1995) Trust: The Social Virtues and the Creation of Prosperity, New York, The Free Press.
  • Goodhart, Charles & Hartmann, Philipp & Llewellyn, David & Rojas-Suares, Liliana& Weisbrod, Steven (1998) Financial Regulation: Why, How and Where Now?, Oxon, Routledge.
  • Hellwig, Martin F (2009), ‘Systemic Risk in the Financial Sector: An Analysis of the Subprime-Mortgage Financial Crisis’ De Economist, S:157, C: 2, s. 129-207.
  • Lea, M. J. & Renaud, B. (1995) Contractual Savings for Housing: How Suitable are They for Transitional Economies, Washington, World Bank.
  • Lins, Karl V. & Servaes, Henri & Tamayo, Ane (2017), ‘Social Capital, Trust, and Firm Performance: The Value of Corporate Social Responsibility during the Financial Crisis’ The Journal of Finance, S:72, C: 4, s. 1785-1824.
  • Mulbert, Peter O. & Sajnovitz, Alexander (2017) ‘The Element of Trust in Financial Markets Law’ German Law Journal, S:18, C:1, s. 1-38. Robinson, Marquerite S. (2001) The Microfinance Revolution, Washington, The World Bank.
  • Roy, Friedemann (2004) ‘The Implementation of Contract Savings Schemes for Housing (Bausparen) in Belarus’ IPM Research Center Papers, S: PP/13, C: 04, s. 1-13.
  • Smith, Adam (1763, reprinted 1978) Lectures on Jurisprudence, New York, Oxford University Press.
  • TMSF (2022) <https://www.tmsf.org.tr/tr/Basin/List/tasarruf-finansman-sozlesmelerinin-devir-duyurusu > s.e.t. 4 Temmuz 2022.
  • TMSF (2021) <https://www.tmsf.org.tr/tr/Tmsf/Finansman/tasfiye.surec> s.e.t. 4 Temmuz 2022.
  • Türkiye Cumhuriyeti Cumhurbaşkanlığı (Haziran 2020) <https://www.tccb.gov.tr/haberler/410/120424/-turkiye-nin-salgina-yonelik-basarisi-ulkemize-yonelik-ilgiyi-daha-da-arttirdi-> s.e.t. 2 Temmuz 2022.
  • Türkiye Cumhuriyeti Kalkınma Bakanlığı (2014) Finansal Hizmetler, Özel İhtisas Komisyonu Raporu, <https://www.sbb.gov.tr/wp-content/uploads/2018/10/10_FinansalHizmetler.pdf> s.e.t. 3 Ocak 2022.
  • Warde, Ibrahim (2000) Islamic Finance in the Global Economy, Edinburgh, Edinburgh University Press.

AN EXAMINATION OF THE 'TRUST' ELEMENT IN THE LEGAL REGULATION OF SAVINGS FINANCING COMPANIES

Yıl 2023, Cilt: 9 Sayı: 1, 3 - 16, 30.06.2023
https://doi.org/10.55027/tfm.1165398

Öz

People who are sensitive to interest for religious reasons, who find the interest rates charged by traditional lending institutions to be too excessive, or who are simply not qualified to apply for bank loans have been increasingly turning to Turkey's savings financing system. This system’s popularity has been on the rise since its appearance as the sole alternative to the pre-existing Turkish housing loan financing system in 1991 and it has particularly facilitated the sale of the real estate that is unsuitable for bank loans, and provided a new form of financing to those who cannot or do not wish to purchase real estate using traditional methods. The public's lack of trust in these companies and the system has increased along with the demand for the system over time. This has prompted the system to be regulated through legal intervention as a result of extensive media portrayals of the conflicts between these financing companies and individuals and the laws' silence on this type of financing. A significant and encouraging step has been taken to safeguard and boost public and particularly consumer confidence in the system with the legal regulation passed in March 2021. By including additional procedures to ensure internal trust in addition to public trust-inspiring devices, the pertinent legislation has increased the diversity in the Turkish financial ecosystem.

Kaynakça

  • Adler, Paul S. (2001), ‘Market, Hierarchy, and Trust: The Knowledge Economy and the Future of Capitalism’ Organization Science S:12, C: 2, s. 215-234.
  • Alman Federal İçişleri ve Toplum Bakanlığı, Saving to Build or Buy a Home, https://www.bmi.bund.de/EN/topics/building-housing/city-housing/home-ownership-housing-assistance/bausparen-en/bausparen-en-node.html s.e.t. 10 Temmuz 2022.
  • Arrow, Kenneth J (1972), ‘Gifts and Exchanges’ Philosophy and Public Affairs, S: 1, s. 343-362.
  • Basaran, Bahriye & Bagheri, Mahmood (2020), ‘The Relevance of Trust and Confidence in Financial Markets to the Information Production Role of Banks’ European Journal of Risk Regulation, S: 11, C:3, s. 650-666.
  • BDDK (2021) Basın Açıklaması, <https://www.bddk.org.tr/Duyuru/EkGetir/851?ekId=779> s.e.t. 2 Temmuz 2022.
  • BDDK (2021), Tasarruf Finansman Şirketleri Hakkında <https://www.bddk.org.tr/Duyuru/Detay/887> s.e.t. 3 Temmuz 2022.
  • BDDK (2021), Tasarruf Finansman Şirketleri Hakkında <https://www.bddk.org.tr/Duyuru/Detay/887> s.e.t. 3 Temmuz 2022.
  • Chiquer, Loic & Lea, Michael J. (2009) Housing Finance Policy in Emerging Markets, Washington, The World Bank.
  • Diamond, DW & Dybvig, PH (1983), ‘Bank Runs, Deposit Insurance, and Liquidity’ Journal of Political Economy, S: 91, C:3, s. 401-419.
  • Endes Selvi, Nurtaç (2021) ‘Tasarruf Finansman Sözleşmesi’ Necmettin Erbakan Üniversitesi Hukuk Fakültesi Dergisi, S: 4, C: 2, s. 441- 467.
  • Fernandes, Daniel & Lynch Jr., John G. & Netemeyer, Richard G. (2014) ‘Financial Literacy, Financial Education, and Downstream Financial Behaviors’ Management Science, S:60, C: 8, s. 1861-1883.
  • Frankel, Tamar (2008) Trust and Honesty: America’s Business Culture at Crossroads, New York, Oxford University Press.
  • Fukuyama, Francis (1995) Trust: The Social Virtues and the Creation of Prosperity, New York, The Free Press.
  • Goodhart, Charles & Hartmann, Philipp & Llewellyn, David & Rojas-Suares, Liliana& Weisbrod, Steven (1998) Financial Regulation: Why, How and Where Now?, Oxon, Routledge.
  • Hellwig, Martin F (2009), ‘Systemic Risk in the Financial Sector: An Analysis of the Subprime-Mortgage Financial Crisis’ De Economist, S:157, C: 2, s. 129-207.
  • Lea, M. J. & Renaud, B. (1995) Contractual Savings for Housing: How Suitable are They for Transitional Economies, Washington, World Bank.
  • Lins, Karl V. & Servaes, Henri & Tamayo, Ane (2017), ‘Social Capital, Trust, and Firm Performance: The Value of Corporate Social Responsibility during the Financial Crisis’ The Journal of Finance, S:72, C: 4, s. 1785-1824.
  • Mulbert, Peter O. & Sajnovitz, Alexander (2017) ‘The Element of Trust in Financial Markets Law’ German Law Journal, S:18, C:1, s. 1-38. Robinson, Marquerite S. (2001) The Microfinance Revolution, Washington, The World Bank.
  • Roy, Friedemann (2004) ‘The Implementation of Contract Savings Schemes for Housing (Bausparen) in Belarus’ IPM Research Center Papers, S: PP/13, C: 04, s. 1-13.
  • Smith, Adam (1763, reprinted 1978) Lectures on Jurisprudence, New York, Oxford University Press.
  • TMSF (2022) <https://www.tmsf.org.tr/tr/Basin/List/tasarruf-finansman-sozlesmelerinin-devir-duyurusu > s.e.t. 4 Temmuz 2022.
  • TMSF (2021) <https://www.tmsf.org.tr/tr/Tmsf/Finansman/tasfiye.surec> s.e.t. 4 Temmuz 2022.
  • Türkiye Cumhuriyeti Cumhurbaşkanlığı (Haziran 2020) <https://www.tccb.gov.tr/haberler/410/120424/-turkiye-nin-salgina-yonelik-basarisi-ulkemize-yonelik-ilgiyi-daha-da-arttirdi-> s.e.t. 2 Temmuz 2022.
  • Türkiye Cumhuriyeti Kalkınma Bakanlığı (2014) Finansal Hizmetler, Özel İhtisas Komisyonu Raporu, <https://www.sbb.gov.tr/wp-content/uploads/2018/10/10_FinansalHizmetler.pdf> s.e.t. 3 Ocak 2022.
  • Warde, Ibrahim (2000) Islamic Finance in the Global Economy, Edinburgh, Edinburgh University Press.
Toplam 25 adet kaynakça vardır.

Ayrıntılar

Birincil Dil Türkçe
Konular Hukuk
Bölüm Makaleler
Yazarlar

Bahriye Başaran Brooks 0000-0002-0664-8647

Erken Görünüm Tarihi 24 Haziran 2023
Yayımlanma Tarihi 30 Haziran 2023
Gönderilme Tarihi 22 Ağustos 2022
Yayımlandığı Sayı Yıl 2023 Cilt: 9 Sayı: 1

Kaynak Göster

APA Başaran Brooks, B. (2023). TASARRUF FİNANSMAN ŞİRKETLERİNİN HUKUKİ DÜZENLEMESİNDE ‘GÜVEN’ UNSURUNUN DEĞERLENDİRİLMESİ. Ticaret Ve Fikri Mülkiyet Hukuku Dergisi, 9(1), 3-16. https://doi.org/10.55027/tfm.1165398
AMA Başaran Brooks B. TASARRUF FİNANSMAN ŞİRKETLERİNİN HUKUKİ DÜZENLEMESİNDE ‘GÜVEN’ UNSURUNUN DEĞERLENDİRİLMESİ. TFM. Haziran 2023;9(1):3-16. doi:10.55027/tfm.1165398
Chicago Başaran Brooks, Bahriye. “TASARRUF FİNANSMAN ŞİRKETLERİNİN HUKUKİ DÜZENLEMESİNDE ‘GÜVEN’ UNSURUNUN DEĞERLENDİRİLMESİ”. Ticaret Ve Fikri Mülkiyet Hukuku Dergisi 9, sy. 1 (Haziran 2023): 3-16. https://doi.org/10.55027/tfm.1165398.
EndNote Başaran Brooks B (01 Haziran 2023) TASARRUF FİNANSMAN ŞİRKETLERİNİN HUKUKİ DÜZENLEMESİNDE ‘GÜVEN’ UNSURUNUN DEĞERLENDİRİLMESİ. Ticaret ve Fikri Mülkiyet Hukuku Dergisi 9 1 3–16.
IEEE B. Başaran Brooks, “TASARRUF FİNANSMAN ŞİRKETLERİNİN HUKUKİ DÜZENLEMESİNDE ‘GÜVEN’ UNSURUNUN DEĞERLENDİRİLMESİ”, TFM, c. 9, sy. 1, ss. 3–16, 2023, doi: 10.55027/tfm.1165398.
ISNAD Başaran Brooks, Bahriye. “TASARRUF FİNANSMAN ŞİRKETLERİNİN HUKUKİ DÜZENLEMESİNDE ‘GÜVEN’ UNSURUNUN DEĞERLENDİRİLMESİ”. Ticaret ve Fikri Mülkiyet Hukuku Dergisi 9/1 (Haziran 2023), 3-16. https://doi.org/10.55027/tfm.1165398.
JAMA Başaran Brooks B. TASARRUF FİNANSMAN ŞİRKETLERİNİN HUKUKİ DÜZENLEMESİNDE ‘GÜVEN’ UNSURUNUN DEĞERLENDİRİLMESİ. TFM. 2023;9:3–16.
MLA Başaran Brooks, Bahriye. “TASARRUF FİNANSMAN ŞİRKETLERİNİN HUKUKİ DÜZENLEMESİNDE ‘GÜVEN’ UNSURUNUN DEĞERLENDİRİLMESİ”. Ticaret Ve Fikri Mülkiyet Hukuku Dergisi, c. 9, sy. 1, 2023, ss. 3-16, doi:10.55027/tfm.1165398.
Vancouver Başaran Brooks B. TASARRUF FİNANSMAN ŞİRKETLERİNİN HUKUKİ DÜZENLEMESİNDE ‘GÜVEN’ UNSURUNUN DEĞERLENDİRİLMESİ. TFM. 2023;9(1):3-16.