Tasarruf Mevduatı Sigorta Fonu ve fon alacaklarının tahsilat durumu
Savıng Deposıt Insurance Fund And status Of funds claims
Yazar: BÜNYAMİN KARALAR
Danışman: PROF. RAUF ARIKAN
Gazi Üniversitesi / Eğitim Bilimleri Enstitüsü / İşletme Bölümü / İşletme Eğitimi Ana Bilim Dalı / Bankacılık Eğitimi Bilim Dalı
Derece: Yüksek Lisans, 2010
Konu: Bankacılık = Banking
Dizin: Alacaklar toplanması = Debt collection ; Bankalar = Banks ; Tahsilat = Collection ; Tasarruf Mevduatı Sigorta Fonu = Saving Deposits Insurance Fund ; Tasarruf mevduatı = Saving deposits

Özet:
Bu araştırmanın amacı, dünya ve Türkiye ölçeğinde tasarruf mevduatı sigorta sistemlerini araştırmak, uygulama modellerinin tarihsel gelişimi ışığında, Tasarruf Mevduatı Sigorta Fonu'nun alacaklarının tahsili konusunda performansını incelemektir.Bankacılık tanımından yola çıkılarak mevduat sigorta sistemleri ile ilgili konular kapsamında kavramsal çerçeve oluşturulmuştur. Değişik ülkelerden mevduat sigorta sistemleri uygulama çeşitliliği ile birlikte irdelenmiş ve Türkiye'de uygulama biçimi anlatılmıştır.Bu araştırmada, gelişmiş ülkelerde uygulanan mevduat sigorta sistemlerinden örnekler verilmiş, farklı uygulama metotları analiz edilmiş ve Türkiye'de uygulanan sistemin tarihsel gelişimi hukuksal dayanağı ile birlikte özetlenmiştir.Tasarruf Mevduatı Sigorta Fonu kapsamına alınan bankaların işlem süreçleri örneklendirilmiş, kapsama alınış biçimleri hukuki dayanakları ile birlikte özetlenmiştir. Güncel veriler ışığında oluşturmuş oldukları mali yükler ve bunların tahsilât durumları araştırma kapsamında değerlendirilmiştir.Tüm bu araştırma ve değerlendirmeler ışığında, TMSF tahsilât performansının öncelikle bankaların hisse ve sermaye yapıları ile yakından ilişkili olduğu, ruhsatlandırma faaliyetlerindeki detayların önemsenme derecesinin bankaların fona devri sonrasında tahsilât performansını birebir etkilediği görülmüştür.Bankaların ruhsatlandırıldığı dönemlerde mevcut hukuki ve denetimsel boşluklar, moral ve ahlaki değerler bağlamında kaygı taşımayan bazı banka sahipleri ve yöneticilerin, topladıkları mevduatları kendi menfaatleri çerçevesinde kullanmalarına imkân sağlamıştır. Türkiye'de mevduat sigorta sisteminin varlığı mevduat sahiplerinin birikimlerini bankalarda değerlendirmelerini teşvik etmiş ve bahse konu banka sahiplerinin verdikleri zararları büyütmüştür. Bankaların fona devirlerinin ardından anlaşılmıştır ki, oluşan zarar banka ve hissedarlarından elde edilen tahsilâtlarla karşılanamamaktadır.Sonuç itibariyle, bir yandan devlet tasarruf sahibine güvence verme durumunda kalırken, diğer yandan da bankacılık sektörünün sağlam bir hukuksal zemine oturtulması ve bankacılık faaliyetlerine sıkı denetim getirilmesi gerekmektedir.

Abstract:
The purpose of this study is, to investigate the savings deposit insurance systems on the scale of the world and Turkey, at the same time to research the claim collecting performance of Savings Deposit Insurance Fund in the light of Historical development of application models.The conceptual framework has been established within topics about deposit insurance systems with seting out the definition of banking. Deposit insurance systems with the application variation from different countries have been examined and Turkey application forms have been described.In this study, some examples are given from the deposit insurance systems that being applied in developed countries, different application methods have been analyzed and historical development of system that being applied in Turkey has summarized with its legal basis. Operation processes of the banks that covered by funds received are illustrated and the way of their fund inclusion have been summarized. In the light of current data, financial burden that occured by them and situation of their compensation have been examined in substance.That is seen in the light of all this research and evaluation,; primarily, the collecting performance of TMSF is closely related with the structure of shares and capital of the banks and degree of care of bank licensing activity details are identical impress the collecting performance after fund inclusion.The legal and supervisory gaps existent in the terms of bank licensing allow the bank owners and administrators that dont carry about moral values to use the collected deposits for their own interests. The existent of the deposit insurance system in Turkey has motivated the savers to save their savings in the banks, and this has grown the damage that ocuurred by aforementioned bank owners and administrators. It was understood that; after the fund iclusion of the banks, the damages could not be recovered by the collecting from the banks and owners.As a result, on the one hand, while the state have to give assurance to the savings owner, in the other hand, banking sector have to be based on a solid legal fundament and banking activities have to be under strict supervision.SAVING DEPOSIT INSURANCE FUND ANDSTATUS OF FUNDS CLAIMSABSTRACTKARALAR, BünyaminYüksek Lisans, Bankacılık Eğitimi Bilim DalıTez Danışmanı: Prof. Dr. Rauf ARIKANMayıs-2010,150 SayfaThe purpose of this study is, to investigate the savings deposit insurance systems on the scale of the world and Turkey, at the same time to research the claim collecting performance of Savings Deposit Insurance Fund in the light of Historical development of application models.The conceptual framework has been established within topics about deposit insurance systems with seting out the definition of banking. Deposit insurance systems with the application variation from different countries have been examined and Turkey application forms have been described.In this study, some examples are given from the deposit insurance systems that being applied in developed countries, different application methods have been analyzed and historical development of system that being applied in Turkey has summarized with its legal basis. Operation processes of the banks that covered by funds received are illustrated and the way of their fund inclusion have been summarized. In the light of current data, financial burden that occured by them and situation of their compensation have been examined in substance.That is seen in the light of all this research and evaluation,; primarily, the collecting performance of TMSF is closely related with the structure of shares and capital of the banks and degree of care of bank licensing activity details are identical impress the collecting performance after fund inclusion.The legal and supervisory gaps existent in the terms of bank licensing allow the bank owners and administrators that dont carry about moral values to use the collected deposits for their own interests. The existent of the deposit insurance system in Turkey has motivated the savers to save their savings in the banks, and this has grown the damage that ocuurred by aforementioned bank owners and administrators. It was understood that; after the fund iclusion of the banks, the damages could not be recovered by the collecting from the banks and owners.As a result, on the one hand, while the state have to give assurance to the savings owner, in the other hand, banking sector have to be based on a solid legal fundament and banking activities have to be under strict supervision.SAVING DEPOSIT INSURANCE FUND ANDSTATUS OF FUNDS CLAIMSABSTRACTKARALAR, BünyaminYüksek Lisans, Bankacılık Eğitimi Bilim DalıTez Danışmanı: Prof. Dr. Rauf ARIKANMayıs-2010,150 SayfaThe purpose of this study is, to investigate the savings deposit insurance systems on the scale of the world and Turkey, at the same time to research the claim collecting performance of Savings Deposit Insurance Fund in the light of Historical development of application models.The conceptual framework has been established within topics about deposit insurance systems with seting out the definition of banking. Deposit insurance systems with the application variation from different countries have been examined and Turkey application forms have been described.In this study, some examples are given from the deposit insurance systems that being applied in developed countries, different application methods have been analyzed and historical development of system that being applied in Turkey has summarized with its legal basis. Operation processes of the banks that covered by funds received are illustrated and the way of their fund inclusion have been summarized. In the light of current data, financial burden that occured by them and situation of their compensation have been examined in substance.That is seen in the light of all this research and evaluation,; primarily, the collecting performance of TMSF is closely related with the structure of shares and capital of the banks and degree of care of bank licensing activity details are identical impress the collecting performance after fund inclusion.The legal and supervisory gaps existent in the terms of bank licensing allow the bank owners and administrators that dont carry about moral values to use the collected deposits for their own interests. The existent of the deposit insurance system in Turkey has motivated the savers to save their savings in the banks, and this has grown the damage that ocuurred by aforementioned bank owners and administrators. It was understood that; after the fund iclusion of the banks, the damages could not be recovered by the collecting from the banks and owners.As a result, on the one hand, while the state have to give assurance to the savings owner, in the other hand, banking sector have to be based on a solid legal fundament and banking activities have to be under strict supervision.