{"id":20705,"date":"2020-06-04T17:45:07","date_gmt":"2020-06-04T14:45:07","guid":{"rendered":"https:\/\/www.bicakhukuk.com\/?p=20705"},"modified":"2025-03-13T14:50:25","modified_gmt":"2025-03-13T11:50:25","slug":"bankacilik-kanununda-zimmet-sucu-ve-cezasi","status":"publish","type":"post","link":"https:\/\/www.bicakhukuk.com\/de\/bankacilik-kanununda-zimmet-sucu-ve-cezasi\/","title":{"rendered":"Bankac\u0131l\u0131k Kanununda Zimmet Su\u00e7u ve Cezas\u0131"},"content":{"rendered":"<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\"><a href=\"https:\/\/www.mevzuat.gov.tr\/mevzuatmetin\/1.5.5411.pdf\" target=\"_blank\" rel=\"noopener\">Bankac\u0131l\u0131k Kanununda<\/a> zimmeti su\u00e7u ve cezas\u0131, <a href=\"https:\/\/www.mevzuat.gov.tr\/mevzuatmetin\/1.5.5411.pdf\" target=\"_blank\" rel=\"noopener\">Kanunun<\/a> 160. maddesinde d\u00fczenlenmi\u015ftir. Bu d\u00fczenlemeyle finansal piyasalarda g\u00fcven ve istikrar\u0131n sa\u011flanmas\u0131, kredi sisteminin etkin bir \u015fekilde \u00e7al\u0131\u015fmas\u0131 ve tasarruf sahiplerinin hak ve menfaatlerinin korunmas\u0131 ama\u00e7lanm\u0131\u015ft\u0131r. Bu ba\u011flamda, bankac\u0131l\u0131k d\u00fczenine ili\u015fkin adli su\u00e7 ve cezalar an\u0131lan Kanunun <em>\u201cSu\u00e7lar\u201d<\/em> ba\u015fl\u0131kl\u0131 ikinci b\u00f6l\u00fcm\u00fcnde (150-161. maddeleri) d\u00fczenlenmi\u015f olup, s\u00f6z konusu su\u00e7lar, niteli\u011fi itibariyle kast\u0131 gerektiren su\u00e7lard\u0131r.\u00a0<\/span><!--more--><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Bankac\u0131l\u0131k mevzuat\u0131 ile bankac\u0131l\u0131k usul ve prensiplerine uygun kredi kulland\u0131rma, bu kredileri temdit etme veya ek kredi kulland\u0131rma, taksitlendirme, teminata ba\u011flama yahut sair y\u00f6ntemlerle yeniden yap\u0131land\u0131rma i\u015flemleri zimmet su\u00e7unu olu\u015fturmaz.<\/span><\/p>\n<h3><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">\u00d6zel olarak d\u00fczenlenmi\u015f zimmet su\u00e7u<\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">\u00dclke ekonomisinin bankac\u0131l\u0131k sitemi \u00fczerine kurulu olmas\u0131, banka \u00e7al\u0131\u015fanlar\u0131 taraf\u0131ndan yap\u0131lan istismarlar\u0131n gerek ilgili bankaya ve gerekse bankac\u0131l\u0131k sisteminin b\u00fct\u00fcn\u00fcne zarar verme riski ta\u015f\u0131d\u0131\u011f\u0131 a\u015fikard\u0131r. Bu nedenle banka varl\u0131klar\u0131 \u00fczerinde ger\u00e7ekle\u015ftirilebilecek istismarlar\u0131n \u00f6zel olarak cezaland\u0131r\u0131lmas\u0131 politikas\u0131 benimsenmi\u015ftir. Bu \u00e7er\u00e7evede <a href=\"https:\/\/www.mevzuat.gov.tr\/mevzuatmetin\/1.5.5411.pdf\" target=\"_blank\" rel=\"noopener\">5411 say\u0131l\u0131 Bankac\u0131l\u0131k Kanunun<\/a> 160. maddesi bankac\u0131l\u0131k alan\u0131nda i\u015flenen zimmet su\u00e7unu \u00f6zel olarak d\u00fczenlenmi\u015ftir.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Bankac\u0131l\u0131k sekt\u00f6r\u00fcnde ya\u015fan\u0131lan olumsuzluklar \u00fclke ekonomisini, finansal piyasalar\u0131 etkiledi\u011fi kadar tasarruflar\u0131n\u0131 bankalarda de\u011ferlendiren tasarruf sahiplerini de olumsuz \u015fekilde etkilemektedir. Bu ba\u011flamda, bankac\u0131l\u0131k sekt\u00f6r\u00fcnde ger\u00e7ekle\u015fen zararlar\u0131n nihai ma\u011fdurunun, tasarruflar\u0131n\u0131 bankalarda tutan ki\u015filerin de \u00f6tesinde, \u00fclkede ya\u015fayan t\u00fcm vergi m\u00fckellefleri oldu\u011fu s\u00f6ylenebilir. Piyasalara olan g\u00fcvenin tesisi i\u00e7in devlet taraf\u0131ndan bankalara verilen mevduat g\u00fcvencesi neredeyse her zaman tam ve s\u0131n\u0131rs\u0131z olarak art\u0131r\u0131lmakta ve bankadan tahsil edilemeyen ve zarar olarak belirlenen tutar vergi m\u00fckelleflerinden al\u0131nmaktad\u0131r. Bankac\u0131l\u0131k sekt\u00f6r\u00fcnde ya\u015fanan olumsuzluklar\u0131n sadece finansal piyasalar\u0131 de\u011fil, \u00fclkede ya\u015fayan herkesi etkilemesi ve gerek hesap sahiplerinin haklar\u0131n\u0131n gerek de sekt\u00f6r\u00fcn g\u00fcvenilirli\u011finin korunmas\u0131n\u0131n ta\u015f\u0131d\u0131\u011f\u0131 \u00f6nem dikkate al\u0131nd\u0131\u011f\u0131nda bu alanda \u00f6zel d\u00fczenleme yap\u0131lmas\u0131 ka\u00e7\u0131n\u0131lmaz olmu\u015ftur.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\"><a href=\"https:\/\/www.mevzuat.gov.tr\/mevzuatmetin\/1.5.5411.pdf\" target=\"_blank\" rel=\"noopener\">5411 say\u0131l\u0131 Kanun<\/a>dan \u00f6nce y\u00fcr\u00fcrl\u00fckte bulunan 4389 say\u0131l\u0131 Bankalar Kanununun ve h\u00e2lihaz\u0131rda y\u00fcr\u00fcrl\u00fckte bulunan <a href=\"https:\/\/www.mevzuat.gov.tr\/mevzuatmetin\/1.5.5411.pdf\" target=\"_blank\" rel=\"noopener\">5411 say\u0131l\u0131 Kanunun<\/a> gerek\u00e7esi incelendi\u011finde, \u00f6zel d\u00fczenlemelerin alt\u0131nda, bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn g\u00fcven ve itibar\u0131na zarar verecek davran\u0131\u015flara engel olma d\u00fc\u015f\u00fcncesinin yatt\u0131\u011f\u0131 g\u00f6r\u00fclmekte olup, yasa koyucunun genel anlamda ekonomik su\u00e7lara, \u00f6zel anlamda ise bankac\u0131l\u0131k su\u00e7lar\u0131na \u00f6zel bir \u00f6nem verdi\u011fi g\u00f6r\u00fclmektedir.<\/span><\/p>\n<h3><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">T\u00fcrk Ceza Kanunu\u2019nda zimmet su\u00e7u<\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Esas itibariyle zimmet su\u00e7u, 5237 say\u0131l\u0131 <a href=\"https:\/\/www.mevzuat.gov.tr\/mevzuatmetin\/1.5.5237.pdf\" target=\"_blank\" rel=\"noopener\">T\u00fcrk Ceza Kanunu<\/a>\u2019nda (TCK) <em>\u201cMillete ve Devlete Kar\u015f\u0131 Su\u00e7lar ve Son H\u00fck\u00fcmler\u201d<\/em> ba\u015fl\u0131kl\u0131 d\u00f6rd\u00fcnc\u00fc k\u0131sm\u0131n\u0131n <em>\u201cKamu \u0130daresinin G\u00fcvenilirli\u011fine ve \u0130\u015fleyi\u015fine Kar\u015f\u0131 Su\u00e7lar\u201d<\/em> ba\u015fl\u0131kl\u0131 birinci b\u00f6l\u00fcm\u00fcnde 247\u2013249. maddelerde d\u00fczenlenmi\u015ftir. An\u0131lan Kanunun 247\/1. maddesinde zimmet su\u00e7unun basit \u015fekli, 247\/2. maddesinde nitelikli hali, 247\/3. maddesinde ise doktrinde ve Yarg\u0131tay uygulamalar\u0131nda tart\u0131\u015fma konusu olan kullanma zimmeti d\u00fczenlenmi\u015ftir. Yine mezkur Kanunun 248. maddesinde cezan\u0131n indirim sebeplerine yer verilerek etkin pi\u015fmanl\u0131k h\u00fck\u00fcm alt\u0131na al\u0131nm\u0131\u015f, 249. maddesinde ise, <em>\u201czimmet su\u00e7unun konusunu olu\u015fturan mal\u0131n de\u011ferinin azl\u0131\u011f\u0131\u201d<\/em> hafifletici neden olarak \u00f6ng\u00f6r\u00fclm\u00fc\u015ft\u00fcr.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Anayasa Mahkemesi, 5411 say\u0131l\u0131 Kanunun 160. maddesinin birinci f\u0131kras\u0131nda yer alan\u00a0<em>\u201c\u2026\u00a0ile\u00a0di\u011fer mensuplar\u0131\u2026\u201d<\/em>\u00a0ibaresinin ve 161. maddesinin birinci c\u00fcmlesinin, Anayasa\u2019n\u0131n 2.,\u00a010. ve 38. maddelerine ayk\u0131r\u0131l\u0131\u011f\u0131 sav\u0131yla iptali istemi ile yap\u0131lan itiraz ba\u015fvurusunu incelemesi neticesinde, 07\/07\/2011 tarih ve E: 2010\/116, K:2011\/118 say\u0131l\u0131 karar\u0131nda;<em>\u201c\u2026yasakoyucunun, bir g\u00fcven kurumu olan bankalar\u0131n g\u00fcvenilirli\u011fini sa\u011flamak ve bu g\u00fcvenilirli\u011fi devam ettirmek amac\u0131yla, eylemin toplumda ve ekonomik hayatta yaratabilece\u011fi etkiler ile i\u015flenme oran\u0131nda ortaya \u00e7\u0131kabilecek art\u0131\u015flar\u0131n kamu d\u00fczeni ve g\u00fcvenli\u011fine etkisini de dikkate alarak, ceza siyasetinin bir gere\u011fi olarak takdir yetkisi kapsam\u0131nda banka mensuplar\u0131 taraf\u0131ndan i\u015flenen zimmet su\u00e7unu, T\u00fcrk Ceza Kanunu\u2019nda d\u00fczenlemek yerine Bankac\u0131l\u0131k Kanunu\u2019nda \u00f6zel bir d\u00fczenleme yaparak daha a\u011f\u0131r bir yapt\u0131r\u0131ma t\u00e2bi tutmas\u0131nda hukuk devleti ilkesine ayk\u0131r\u0131l\u0131k bulunmamaktad\u0131r\u2026\u201d<\/em>h\u00fckm\u00fcn\u00fc vermi\u015ftir.<\/span><\/p>\n<h3><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Bankac\u0131l\u0131k Kanununda zimmet su\u00e7u<\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">5411 say\u0131l\u0131 Bankac\u0131l\u0131k Kanununda<a href=\"https:\/\/www.mevzuat.gov.tr\/mevzuatmetin\/1.5.5411.pdf\" target=\"_blank\" rel=\"noopener\"> zimmet su\u00e7u ayr\u0131 bir maddede detayl\u0131 bir \u015fekilde<\/a> d\u00fczenlenmi\u015ftir. An\u0131lan Kanun\u2019un 160. maddesi;<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\"><em>\u201cG\u00f6revi nedeniyle zilyetli\u011fi kendisine devredilmi\u015f olan veya koruma ve g\u00f6zetimiyle y\u00fck\u00fcml\u00fc oldu\u011fu para veya para yerine ge\u00e7en evrak veya senetleri veya di\u011fer mallar\u0131 kendisinin ya da ba\u015fkas\u0131n\u0131n zimmetine ge\u00e7iren banka y\u00f6netim kurulu ba\u015fkan ve \u00fcyeleri ile di\u011fer mensuplar\u0131, alt\u0131 y\u0131ldan oniki y\u0131la kadar hapis ve be\u015fbin g\u00fcne kadar adl\u00ee para cezas\u0131 ile cezaland\u0131r\u0131lacaklar\u0131 gibi bankan\u0131n u\u011frad\u0131\u011f\u0131 zarar\u0131 tazmine mahk\u00fbm edilirler. <\/em><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\"><em>Su\u00e7un, zimmetin a\u00e7\u0131\u011fa \u00e7\u0131kmamas\u0131n\u0131 sa\u011flamaya y\u00f6nelik hileli davran\u0131\u015flarla i\u015flenmesi h\u00e2linde faile on iki y\u0131ldan az olmamak \u00fczere hapis ve yirmibin g\u00fcne kadar adli para cezas\u0131 verilir; ancak, adli para cezas\u0131n\u0131n miktar\u0131 bankan\u0131n u\u011frad\u0131\u011f\u0131 zarar\u0131n \u00fc\u00e7 kat\u0131ndan az olamaz. Ayr\u0131ca meydana gelen zarar\u0131n \u00f6denmemesi h\u00e2linde mahkemece re&#8217;sen \u00f6dettirilmesine h\u00fckmolunur. <\/em><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\"><em>Faaliyet izni kald\u0131r\u0131lan veya Fona devredilen bir bankan\u0131n; hukuken veya fiilen y\u00f6netim ve denetimini elinde bulundurmu\u015f olan ger\u00e7ek ki\u015fi ortaklar\u0131n\u0131n, kredi kurulu\u015funun kaynaklar\u0131n\u0131, kredi kurulu\u015funun emin bir \u015fekilde \u00e7al\u0131\u015fmas\u0131n\u0131 tehlikeye d\u00fc\u015f\u00fcrecek \u015fekilde do\u011frudan veya dolayl\u0131 olarak kendilerinin veya ba\u015fkalar\u0131n\u0131n menfaatlerine kulland\u0131rmak suretiyle, kredi kurulu\u015funu her ne suretle olursa olsun zarara u\u011fratmalar\u0131 zimmet olarak kabul edilir. Bu fiilleri i\u015fleyenler hakk\u0131nda on y\u0131ldan yirmi y\u0131la kadar hapis ve yirmibin g\u00fcne kadar adl\u00ee para cezas\u0131na h\u00fckmolunur; ancak, adl\u00ee para cezas\u0131n\u0131n miktar\u0131 bankan\u0131n u\u011frad\u0131\u011f\u0131 zarar\u0131n \u00fc\u00e7 kat\u0131ndan az olamaz. Ayr\u0131ca, meydana gelen zarar\u0131n m\u00fcteselsilen \u00f6dettirilmesine karar verilir. <\/em><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\"><em>(Ek f\u0131kra: 2\/1\/2017-KHK-687\/4 md.; Aynen kabul: 1\/2\/2018-7076\/4 md.)\u00a0Bankac\u0131l\u0131k mevzuat\u0131 ile bankac\u0131l\u0131k usul ve prensiplerine uygun kredi kulland\u0131rma, bu kredileri temdit etme veya ek kredi kulland\u0131rma, taksitlendirme, teminata ba\u011flama yahut sair y\u00f6ntemlerle yeniden yap\u0131land\u0131rma i\u015flemleri zimmet su\u00e7unu olu\u015fturmaz.<\/em><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\"><em>Soru\u015fturma ba\u015flamadan \u00f6nce, zimmete ge\u00e7irilen para veya para yerine ge\u00e7en evrak veya senetlerin veya di\u011fer mallar\u0131n aynen iade edilmesi veya u\u011fran\u0131lan zarar\u0131n tamamen tazmin edilmesi h\u00e2linde, verilecek cezan\u0131n \u00fc\u00e7te ikisi indirilir.<\/em><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\"><em>Kovu\u015fturma ba\u015flamadan \u00f6nce, g\u00f6n\u00fcll\u00fc olarak, zimmete ge\u00e7irilen para veya para yerine ge\u00e7en evrak veya senetlerin veya di\u011fer mallar\u0131n aynen iade edilmesi veya u\u011fran\u0131lan zarar\u0131n tamamen tazmin edilmesi h\u00e2linde, verilecek cezan\u0131n yar\u0131s\u0131 indirilir. Bu durumun h\u00fck\u00fcmden \u00f6nce ger\u00e7ekle\u015fmesi h\u00e2linde, verilecek cezan\u0131n \u00fc\u00e7te biri indirilir. <\/em><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\"><em>Zimmet su\u00e7unun konusunu olu\u015fturan para veya para yerine ge\u00e7en evrak veya senetlerin veya di\u011fer mallar\u0131n de\u011ferinin azl\u0131\u011f\u0131 nedeniyle, verilecek ceza \u00fc\u00e7te birden yar\u0131ya kadar indirilir.\u201d <\/em><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">h\u00fckm\u00fcn\u00fc amirdir. G\u00f6r\u00fclece\u011fi \u00fczere, s\u00f6z konusu h\u00fckm\u00fcn birinci f\u0131kras\u0131 yal\u0131n (basit-adi) zimmet su\u00e7unu, ikinci f\u0131kras\u0131 su\u00e7un nitelikli halini, \u00fc\u00e7\u00fcnc\u00fc f\u0131kras\u0131 doktrinde varsay\u0131msal zimmet su\u00e7u olarak adland\u0131r\u0131lan su\u00e7u, d\u00f6rd\u00fcnc\u00fc f\u0131kras\u0131 zimmet su\u00e7unu olu\u015fturmayacak davran\u0131\u015flar\u0131, be\u015finci, alt\u0131nc\u0131 ve yedinci f\u0131kralar ise indirim nedenlerini g\u00f6stermektedir.<\/span><\/p>\n<h3><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Maddi unsuru<\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Zimmet su\u00e7unun olu\u015fabilmesi i\u00e7in, her \u015feyden \u00f6nce zimmete ge\u00e7irilen para veya di\u011fer varl\u0131klar\u0131n bankaya ait olmas\u0131 gerekir.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Zimmet su\u00e7unun s\u00f6z konusu olabilmesi i\u00e7in aranan bir di\u011fer \u00f6n \u015fart ise, zimmete ge\u00e7irilen \u015feyin faile g\u00f6revi nedeniyle tevdi edilmi\u015f olmas\u0131 veya failin g\u00f6revi nedeniyle muhafaza denetim ya da sorumlulu\u011fu alt\u0131nda bulunmas\u0131d\u0131r. Tevdi ilgilinin g\u00f6revi ile ilgili de\u011filse zimmet su\u00e7u olu\u015fmayacakt\u0131r. Bu \u00e7er\u00e7evede, g\u00f6revi nedeniyle zilyet olmad\u0131\u011f\u0131 bir mal\u0131 alan memur, \u00f6rne\u011fin h\u0131rs\u0131zl\u0131k su\u00e7undan sorumlu olabilirse de zimmet su\u00e7unu i\u015flemi\u015f say\u0131lmaz.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Bu su\u00e7un maddi unsuru, banka mensubunun kendisine g\u00f6revi nedeniyle tevdi olunan veya korumas\u0131, denetimi veya sorumlulu\u011fu alt\u0131nda bulunan para veya para yerine ge\u00e7en evrak veya senetleri veya di\u011fer mallar\u0131 mal edinmesi yani \u015fey \u00fczerinde, o \u015feyin zilyetli\u011fi ile ba\u011fda\u015fmayan bir k\u0131s\u0131m davran\u0131\u015flarda bulunmas\u0131, s\u00f6z konusu de\u011ferleri kendisinin veya ba\u015fkas\u0131n\u0131n zimmetine ge\u00e7irmesidir.<\/span><\/p>\n<h3><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Mal edinme amac\u0131<\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Zimmete ge\u00e7irmeden ama\u00e7, zimmete konu e\u015fya \u00fczerinde zilyetlikle ba\u011fda\u015fmayacak bir tak\u0131m i\u015flemlerde bulunulmas\u0131, yani e\u015fya \u00fczerinde malik gibi tasarrufta bulunulmas\u0131, zilyetli\u011fin m\u00fclkiyete d\u00f6n\u00fc\u015ft\u00fcr\u00fclmesidir. Zimmete ge\u00e7irmek, gerek \u00f6\u011fretide gerek yarg\u0131 i\u00e7tihatlar\u0131nda <em>\u201cmal edinmek\u201d<\/em> olarak ifade edilmektedir. Bu noktada, zimmet su\u00e7unun en \u00f6nemli \u00f6zelli\u011fini olu\u015fturan <em>\u201cmal edinme\u201d<\/em> amac\u0131, <a href=\"https:\/\/www.mevzuat.gov.tr\/mevzuatmetin\/1.5.5411.pdf\" target=\"_blank\" rel=\"noopener\">5411 say\u0131l\u0131 Kanunun<\/a> 160. maddesi \u00e7er\u00e7evesinde ilgili bankan\u0131n malvarl\u0131\u011f\u0131na y\u00f6nelmektedir. Zira banka mensubu taraf\u0131ndan zimmet su\u00e7u i\u015flenebilmesi i\u00e7in mal edinme amac\u0131n\u0131n, kendisine g\u00f6rev nedeniyle devredilmi\u015f muhafazas\u0131na veya denetim ve sorumlulu\u011funa b\u0131rak\u0131lan para ve sair varl\u0131klar \u00fczerinde icrai hareketlere d\u00f6n\u00fc\u015fmesi gerekmektedir. Nitekim mal edinme amac\u0131yla i\u015flenen zimmet su\u00e7unun sonucunda bankan\u0131n malvarl\u0131\u011f\u0131nda da azalma meydana gelmektedir.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Zimmete ge\u00e7irme bi\u00e7iminin su\u00e7un olu\u015fumu a\u00e7\u0131s\u0131ndan her hangi bir \u00f6nemi bulunmamakta olup, banka mensubunun zimmete konu \u015fey \u00fczerinde, o \u015feyin kendisine tevdi edilmesinin gayesi d\u0131\u015f\u0131nda, zilyetlikle ba\u011fda\u015fmayacak \u015fekilde tasarrufta bulunmas\u0131, yani zilyetli\u011fin fiilen m\u00fclkiyete d\u00f6n\u00fc\u015ft\u00fcr\u00fclmesi yeterlidir. Su\u00e7 konusu e\u015fya \u00fczerinde malikmi\u015f gibi tasarrufta bulunmak, yani satma, kullanma, harcama veya t\u00fcketme zimmete ge\u00e7irme anlam\u0131na gelecektir. Bu a\u00e7\u0131dan de\u011ferlendirildi\u011finde, zimmet su\u00e7unun herhangi bir banka m\u00fc\u015fterisinin hesab\u0131 kullan\u0131lmak suretiyle veya bankan\u0131n m\u00fc\u015fterisi olmayan bir ki\u015finin zimmet su\u00e7unun i\u015flenmesine uygun ki\u015fisel bilgileri kullan\u0131larak ya da ger\u00e7ekte var olmayan bir ki\u015finin varm\u0131\u015f gibi g\u00f6sterilerek i\u015flenmi\u015f olmas\u0131 aras\u0131nda fark bulunmamaktad\u0131r.<\/span><\/p>\n<h3><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">\u00dc\u00e7\u00fcnc\u00fc ki\u015filere \u00f6deme<\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Mevduat sahibinin talimat\u0131 ile \u00fc\u00e7\u00fcnc\u00fc ki\u015filere \u00f6deme yap\u0131lmas\u0131 bir \u015fekle tabi de\u011fildir. Bu ba\u011flamda, s\u00f6zl\u00fc talimat durumunda dahi i\u015flem yap\u0131lmas\u0131 m\u00fcmk\u00fcnd\u00fcr. Ancak, hesap sahibinin talimat\u0131n\u0131n al\u0131nmad\u0131\u011f\u0131n\u0131 iddia etmesi durumunda ispat sorunu ortaya \u00e7\u0131kacakt\u0131r. Kald\u0131 ki, hesap sahibinin talimat\u0131 olmadan (yetkisiz temsilciye \u00f6deme, sahte talimat, bankan\u0131n hataya d\u00fc\u015fmesi gibi) hesab\u0131ndan bankaca \u00fc\u00e7\u00fcnc\u00fc ki\u015filere \u00f6demede bulunulmas\u0131 kural olarak mudiyi ba\u011flamaz. Bu durumda zarara banka katlanacak olup, an\u0131lan husus olay\u0131n \u00f6zel hukuku ilgilendiren y\u00f6n\u00fcd\u00fcr. Ancak, hesap sahibinin talimat\u0131 al\u0131nmaks\u0131z\u0131n yap\u0131lan \u00f6demeler, Yarg\u0131tay\u2019\u0131n eski tarihlerde vermi\u015f oldu\u011fu kararlar\u0131nda, su\u00e7un i\u015fleni\u015f tarihine g\u00f6re emniyeti suistimal veya zimmet olarak de\u011ferlendirilmi\u015ftir.\u00a0<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">M\u00fc\u015fterinin hesaplar\u0131 \u00fczerinde talimat\u0131na uygun hareket edilmemesi banka g\u00f6revlilerinin tevdi amac\u0131 d\u0131\u015f\u0131nda, malik gibi hareket ettiklerini g\u00f6sterir. Zira her mudi kendi hesab\u0131 \u00fczerinde diledi\u011fi gibi tasarruf etme yetkisine sahip oldu\u011fu gibi, onun menfaatine g\u00f6r\u00fcnse dahi, kendi bilgi ve talimat\u0131 olmaks\u0131z\u0131n yap\u0131lan her hareket, banka g\u00f6revlisinin sorumlulu\u011funu gerektirecektir. Nitekim, yap\u0131lan i\u015flemin mudi iradesine ve\/veya menfaatine uygun olup olmad\u0131\u011f\u0131n\u0131 banka g\u00f6revlisi de\u011fil, hesap sahibi takdir edecek olup, banka g\u00f6revlisinin g\u00f6revi talimat d\u0131\u015f\u0131 veya talimats\u0131z i\u015flem yapmak de\u011fil, mevzuat \u00e7er\u00e7evesinde hesap sahiplerinin talimatlar\u0131n\u0131 yerine getirmektir. Bu durum banka g\u00f6revlilerinden beklenen \u00f6zen y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcn\u00fcn, bankalara duyulan g\u00fcvenin bir tezah\u00fcr\u00fcd\u00fcr. Aksi halde, banka g\u00f6revlilerinin mudi yak\u0131n\u0131, \u015firketi, alacakl\u0131s\u0131 olsa dahi, mudi talimat\u0131 olmaks\u0131z\u0131n yapm\u0131\u015f olduklar\u0131 i\u015flemler nedeniyle, eylemin ger\u00e7ekle\u015fme tarihine g\u00f6re zimmet su\u00e7lamas\u0131 ile kar\u015f\u0131 kar\u015f\u0131ya kalmalar\u0131 ka\u00e7\u0131n\u0131lmaz olacakt\u0131r.<\/span><\/p>\n<h3><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Tevdi<\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Kanunda zimmet su\u00e7unun olu\u015fmas\u0131 i\u00e7in \u00f6ng\u00f6r\u00fclen <em>\u201ctevdi\u201d<\/em> kelimesiyle, zimmete konu \u015feyin yani para ve di\u011fer varl\u0131klar\u0131n banka mensubuna teslim olunmas\u0131 ifade edilmektedir. Mal\u0131n zilyetli\u011finin g\u00f6rev nedeniyle verilip verilmedi\u011fi banka personelinin \u00e7al\u0131\u015fma esaslar\u0131n\u0131 d\u00fczenleyen banka mevzuat\u0131na g\u00f6re belirlenecektir. Bu \u00e7er\u00e7evede tevdi, banka personeline <em>\u201cg\u00f6revi dolay\u0131s\u0131yla\u201d<\/em> yap\u0131lm\u0131\u015f olmal\u0131d\u0131r. Bu nedenle, tevdi g\u00f6revi nedeni ile de\u011fil de ba\u015fka sebeplerle, \u00f6rne\u011fin ki\u015fisel g\u00fcven nedeni ile yap\u0131lm\u0131\u015f ise, zimmet su\u00e7u olu\u015fmaz. Bu ihtimalde duruma g\u00f6re emniyeti suistimal, h\u0131rs\u0131zl\u0131k ya da ba\u015fka bir su\u00e7un varl\u0131\u011f\u0131ndan bahsetmek m\u00fcmk\u00fcnd\u00fcr.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\"><a href=\"https:\/\/www.mevzuat.gov.tr\/mevzuatmetin\/1.5.5411.pdf\" target=\"_blank\" rel=\"noopener\">5411 say\u0131l\u0131 Kanuna<\/a> g\u00f6re zimmet su\u00e7u banka mensubunun kendisine g\u00f6revi nedeniyle tevdi olunan veya korumas\u0131 ve g\u00f6zetimi alt\u0131nda bulunan;<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Para,<\/span><\/li>\n<li><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Para yerine ge\u00e7en evrak veya senetler,<\/span><\/li>\n<li><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Di\u011fer mallar \u00fczerinde i\u015flenebilecektir.<\/span><\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Kanun metninde ge\u00e7en <em>\u201cpara\u201d<\/em> kavram\u0131 yasal olarak tedav\u00fcl eden yerli ve yabanc\u0131 paralar ile milli ziynet alt\u0131nlar\u0131n\u0131, <em>\u201cdi\u011fer mallar\u201d <\/em>veya <em>\u201cpara yerine ge\u00e7en evrak veya senetler\u201d<\/em> kavramlar\u0131 ise menkul k\u0131ymetleri, itibari amme ka\u011f\u0131tlar\u0131 ve devlet tahvilleri ile ekonomik bir de\u011feri bulunan b\u00fct\u00fcn maddi \u015feyleri ifade etmektedir. Bu ifade, zimmet su\u00e7unun konusunun olduk\u00e7a geni\u015f tutulmas\u0131na ve ekonomik de\u011feri olan t\u00fcm nesnelerin su\u00e7un konusunu olu\u015fturmas\u0131na imkan tan\u0131m\u0131\u015ft\u0131r.<\/span><\/p>\n<h3><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Manevi unsuru<\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Bankac\u0131l\u0131k zimmeti su\u00e7unun manevi unsuru kast olup, su\u00e7 do\u011frudan veya muhtemel kast ile i\u015flenebilir. Failde genel kast\u0131n bulunmas\u0131 su\u00e7un manevi unsurunun olu\u015fmas\u0131 i\u00e7in gerekli ve yeterlidir.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Su\u00e7ta aranan kast bak\u0131m\u0131ndan de\u011finilmesi gereken bir durum da kullanma zimmetidir. Zimmetin bu t\u00fcr\u00fcnde mal edinme amac\u0131 ve iste\u011fi olmaks\u0131z\u0131n, ge\u00e7ici bir s\u00fcre ile mal\u0131n tahsis amac\u0131na ayk\u0131r\u0131 olarak ve tahsis amac\u0131 dahilinde kullan\u0131lmas\u0131na engel olacak \u015fekilde kullan\u0131m\u0131 s\u00f6z konusudur. Yarg\u0131tay bir karar\u0131nda; <em>\u201c\u2026.San\u0131\u011f\u0131n amac\u0131 idareye ait paralar\u0131 temell\u00fck etmek olmay\u0131p, bu paray\u0131 kullanmak ve bu yolla kendisine \u00e7\u0131kar sa\u011flamakt\u0131r. Paran\u0131n 10 ve 23 g\u00fcn gibi k\u0131sa s\u00fcrelerle kullan\u0131l\u0131p, nemas\u0131ndan yaraland\u0131ktan sonra hi\u00e7bir uyar\u0131 olmadan iade edilmesi bi\u00e7iminde olu\u015fan eylem kullanma zimmeti su\u00e7unu olu\u015fturur\u2026\u201d<\/em> g\u00f6r\u00fc\u015f\u00fcne yer vermi\u015f, dolay\u0131s\u0131yla kullanma zimmetinin, esas itibariyle zimmet su\u00e7unun \u00f6zel bir g\u00f6r\u00fcn\u00fcm\u00fc niteli\u011finde oldu\u011funu ve bu su\u00e7a \u00f6zelli\u011fini veren hususun, zimmete ge\u00e7irilen bankaya ait paran\u0131n ge\u00e7ici olarak kullanma niyetiyle al\u0131nmas\u0131 ve hi\u00e7bir uyar\u0131 olmadan iade edilmesi oldu\u011funu belirtmi\u015ftir. (Yarg\u0131tay Ceza Genel Kurulu, 27\/05\/1991 tarihli ve E: 1991\/135, K: 1991\/170 say\u0131l\u0131 karar)<\/span><\/p>\n<h3><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Nitelikli zimmet <\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Su\u00e7un a\u011f\u0131rla\u015ft\u0131r\u0131c\u0131 nedenle i\u015flenmesi halinde ortaya \u00e7\u0131kacak nitelikli zimmet halinde ise, failin zimmet kast\u0131n\u0131n yan\u0131 s\u0131ra bankay\u0131 aldatacak ve eylemin a\u00e7\u0131\u011fa \u00e7\u0131kmamas\u0131n\u0131 sa\u011flayacak her t\u00fcrl\u00fc hileli faaliyette bulunma kast\u0131, yani su\u00e7u gizleme kast\u0131n\u0131n da bulunmas\u0131 gerekir.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">5237 say\u0131l\u0131 Kanunun 247. maddesi uyar\u0131nca zimmet olu\u015fturacak fiilin faili sadece kamu g\u00f6revlileri iken, bankac\u0131l\u0131k zimmetinin failleri 160. maddede <em>\u201cbanka y\u00f6netim kurulu ba\u015fkan ve \u00fcyeleri ile di\u011fer mensuplar\u0131\u201d<\/em> olarak ifade edilmi\u015ftir. 5237 say\u0131l\u0131 Kanundan farkl\u0131 olan di\u011fer bir taraf ise, zimmet su\u00e7u TCK uyar\u0131nca sadece kamu g\u00f6revlileri taraf\u0131ndan i\u015flenebilmekte iken, kamu g\u00f6revlisi olmayan banka personelinin bankac\u0131l\u0131k zimmetinin faili olarak d\u00fczenlenmi\u015f olmas\u0131d\u0131r.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Bankac\u0131l\u0131k zimmeti su\u00e7unun failleri aras\u0131nda kullan\u0131lan <em>\u201cdi\u011fer mensuplar\u0131\u201d<\/em> ifadesi, bankan\u0131n di\u011fer t\u00fcm personelini ifade etmek amac\u0131yla \u00f6ng\u00f6r\u00fclm\u00fc\u015ft\u00fcr. Banka mensubundan kas\u0131t, bankan\u0131n her kademedeki personelidir. Bu \u00e7er\u00e7evede su\u00e7un kredi kulland\u0131r\u0131lmak suretiyle i\u015flenmesi halinde, kredi ili\u015fkisini tevdi amac\u0131 d\u0131\u015f\u0131nda olu\u015fturan banka mensuplar\u0131, duruma g\u00f6re y\u00f6netim kurulu \u00fcyeleri, genel m\u00fcd\u00fcr ya da yard\u0131mc\u0131lar\u0131, kredi komitesi \u00fcyeleri, b\u00f6lge ve \u015fube m\u00fcd\u00fcrleri, fail olabileceklerdir. Burada \u00f6nemli olan husus, say\u0131lan ki\u015filerin esas itibariyle bankaya organik bir ba\u011f ile ba\u011fl\u0131 olmalar\u0131d\u0131r.<\/span><\/p>\n<h3><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Menfaat kar\u015f\u0131l\u0131\u011f\u0131 kredi verilmesi <\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Kredi kulland\u0131r\u0131lan ki\u015finin kredi de\u011ferlili\u011fi hakk\u0131nda yap\u0131lan ara\u015ft\u0131rman\u0131n olumsuz sonu\u00e7lanmas\u0131na ra\u011fmen menfaat kar\u015f\u0131l\u0131\u011f\u0131 kredi verilmesi veya ki\u015finin bu durumunun ortaya \u00e7\u0131kmamas\u0131n\u0131 sa\u011flamak i\u00e7in gerekli inceleme yap\u0131lmaks\u0131z\u0131n kredi verilmesi de bankac\u0131l\u0131k zimmeti su\u00e7una v\u00fccut verecek olup, bu \u015fekilde i\u015flenen zimmet su\u00e7unda, \u00a0banka mallar\u0131n\u0131n korunmas\u0131 ve g\u00f6zetimi y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc alt\u0131nda olan banka y\u00f6netim kurulu \u00fcyeleri de dahil olmak \u00fczere bankan\u0131n kredi verme konusundaki organizasyon \u015femas\u0131 faili saptarken esas al\u0131nacak, faillik ve i\u015ftirak kurallar\u0131 gere\u011fince, banka haricindeki ki\u015filer ya da kredi a\u00e7ma konusunda g\u00f6revli olmayan banka \u00e7al\u0131\u015fanlar\u0131 da i\u015ftirak durumuna g\u00f6re fail konumundaa olabilecektir.<\/span><\/p>\n<h3><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Ma\u011fdur<\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Bu su\u00e7un ma\u011fduru, kendisine ait para ve sair varl\u0131klar zimmete ge\u00e7irilen Banka\u2019d\u0131r. 5411 say\u0131l\u0131 Bankac\u0131l\u0131k Kanunu uyar\u0131nca banka ibaresi, T\u00fcrkiye\u2019de kurulu bir banka (mevduat bankalar\u0131 ve kat\u0131l\u0131m bankalar\u0131 ile kalk\u0131nma ve yat\u0131r\u0131m bankalar\u0131n\u0131) ya da yurt d\u0131\u015f\u0131nda kurulu bankalar\u0131n T\u00fcrkiye\u2019deki \u015fubelerini ifade eder.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Su\u00e7, zimmete ge\u00e7irme fiillerinin ger\u00e7ekle\u015fti\u011fi anda yani failin banka mal\u0131n\u0131 kendisi mal\u0131 gibi kulland\u0131\u011f\u0131 anda tamamlanmaktad\u0131r. Su\u00e7un olu\u015fmas\u0131 i\u00e7in failin mallar\u0131 mutlaka kendi zimmetine ge\u00e7irmesine gerek yoktur, bir ba\u015fkas\u0131n\u0131n zimmetine ge\u00e7irmesi de yeterlidir. Dolay\u0131s\u0131yla, zimmete ge\u00e7irme failin kendi yarar\u0131na olabilece\u011fi gibi, \u00fc\u00e7\u00fcnc\u00fc bir \u015fahs\u0131n yarar\u0131na da ger\u00e7ekle\u015ftirilebilir.<\/span><\/p>\n<h3><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Su\u00e7un i\u015fleni\u015f tarihi<\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Uygulamada \u00f6zellikle kredi kulland\u0131r\u0131lmak suretiyle i\u015flenen zimmet su\u00e7unun i\u015fleni\u015f tarihine ili\u015fkin olarak teredd\u00fctler ortaya \u00e7\u0131kmaktad\u0131r. Bu anlamda kredinin geri \u00f6denmeyece\u011fi bilinerek ve yeterli teminatlar al\u0131nmaks\u0131z\u0131n verilen kredilerde su\u00e7un i\u015flenme an\u0131n\u0131n kredinin verildi\u011fi tarih oldu\u011fu a\u00e7\u0131kt\u0131r. Ancak kredinin verilmesinden sonra borcun yeniden yap\u0131land\u0131r\u0131lmas\u0131 an\u0131nda da zimmet su\u00e7unun i\u015flenmesi m\u00fcmk\u00fcnd\u00fcr. Zira, kredinin bankan\u0131n aleyhine bir \u015fekilde banka mensubunun kendisine veya \u00fc\u00e7\u00fcnc\u00fc bir \u015fahsa menfaat temini suretiyle yeniden yap\u0131land\u0131r\u0131lmas\u0131 halinde de zimmet su\u00e7u olu\u015facakt\u0131r. Bu durumda su\u00e7un i\u015fleni\u015f tarihi, kredinin yeniden yap\u0131land\u0131r\u0131ld\u0131\u011f\u0131 (temdit edildi\u011fi veya yenilendi\u011fi) tarih olmal\u0131d\u0131r.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Su\u00e7un, zimmetin a\u00e7\u0131\u011fa \u00e7\u0131kmamas\u0131n\u0131 sa\u011flamaya y\u00f6nelik hileli davran\u0131\u015flarla i\u015flenmesi durumu, a\u011f\u0131rla\u015ft\u0131r\u0131c\u0131 neden olarak d\u00fczenlenmi\u015ftir. A\u011f\u0131rla\u015ft\u0131r\u0131c\u0131 neden ger\u00e7ekle\u015fti\u011finde zimmet su\u00e7unun nitelikli (vas\u0131fl\u0131) hali s\u00f6z konusu olmaktad\u0131r.<\/span><\/p>\n<h3><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Hileli davran\u0131\u015f<\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">5411 say\u0131l\u0131 Kanun nitelikli zimmetin tespitinde <em>\u201csu\u00e7un, zimmetin a\u00e7\u0131\u011fa \u00e7\u0131kmamas\u0131n\u0131 sa\u011flamaya y\u00f6nelik hileli davran\u0131\u015flarla i\u015flenmesi\u201d<\/em> kriterini kabul etmi\u015ftir. Yarg\u0131tay 7. Ceza Dairesi\u2019nin 18.03.2009 tarih ve E:2008\/9502, K:2009\/3119 say\u0131l\u0131 karar\u0131nda, <em>\u201c\u202601.11.2005 tarihinde y\u00fcr\u00fcrl\u00fc\u011fe giren 5411 say\u0131l\u0131 Bankac\u0131l\u0131k Kanunu&#8217;nun 160\/2. maddesinde basit ve nitelikli zimmet fiillerinin ay\u0131r\u0131m\u0131nda &#8222;su\u00e7un, zimmetin a\u00e7\u0131\u011fa \u00e7\u0131kmamas\u0131n\u0131 sa\u011flamaya y\u00f6nelik hileli davran\u0131\u015flarla i\u015flenmesi&#8220; kriteri kabul edilerek, &#8222;bankay\u0131 aldat\u0131c\u0131l\u0131k&#8220; unsuru kald\u0131r\u0131ld\u0131\u011f\u0131 cihetle, bu tarihten sonra basit bir inceleme ile ilk bak\u0131\u015fta anla\u015f\u0131lamayan, tediye fi\u015flerine m\u00fc\u015fteri ad\u0131na at\u0131lan paraf ve imza gibi her t\u00fcrl\u00fc hileli hareketin eylemi nitelikli zimmet su\u00e7u haline getirece\u011fi g\u00f6zetilerek, san\u0131\u011f\u0131n 01.11.2005 tarihinden sonraki fiillerinden nitelikli zimmet vasf\u0131nda olanlar\u0131n\u0131n tespiti ile san\u0131\u011fa 5411 say\u0131l\u0131 Yasa&#8217;n\u0131n 160\/2. maddesinin ikinci c\u00fcmlesinde \u00f6ng\u00f6r\u00fcld\u00fc\u011f\u00fc \u015fekilde h\u00fcrriyeti ba\u011flay\u0131c\u0131 ceza tayin edilerek adli para cezas\u0131n\u0131n da bu fiiller bak\u0131m\u0131ndan banka zarar\u0131n\u0131n \u00fc\u00e7 kat\u0131ndan az olmamak \u00fczere belirlenmesi gerekti\u011fi nazara al\u0131nmadan su\u00e7 vasf\u0131nda yan\u0131lg\u0131yla, fiilin basit zimmet kabul edilerek, yaz\u0131l\u0131 \u015fekilde eksik ceza tayini\u2026\u201d <\/em>bozma gerek\u00e7esi say\u0131lm\u0131\u015ft\u0131r(Yar rg\u0131tay 7. CD.\u2019nin 18.03.2009 tarih ve\u00a0 E:2008\/9502, K:2009\/3119<\/span><\/p>\n<h3><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Bilirki\u015fi incelemesi<\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Yarg\u0131tay 7. Ceza Dairesi, dosyan\u0131n \u00fcniversitelerden bankac\u0131l\u0131k konusunda uzmanla\u015fm\u0131\u015f bir \u00f6\u011fretim g\u00f6revlisi, bir ceza hukuk\u00e7usu ile bankac\u0131l\u0131k konusunda fiilen g\u00f6rev yaparak uzmanla\u015fm\u0131\u015f bir ki\u015fiden olu\u015fturulacak bilirki\u015fi heyetine tevdi edilerek nitelikli zimmet ve basit zimmet miktarlar\u0131n\u0131n duraksamaya yer b\u0131rakmayacak \u015fekilde her bir i\u015flem bak\u0131m\u0131ndan ayr\u0131 ayr\u0131 basit\/nitelikli zimmet olup olmad\u0131klar\u0131n\u0131n tespit edilmesi gerekti\u011fini 28\/01\/2011 tarih ve E:2010\/12075, K:2011\/1239 say\u0131l\u0131 karar\u0131nda ifade etmi\u015ftir.<\/span><\/p>\n<h3><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">\u0130ade<\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Soru\u015fturma ba\u015flamadan \u00f6nce, zimmete ge\u00e7irilen para veya para yerine ge\u00e7en evrak veya senetlerin veya di\u011fer mallar\u0131n aynen iade edilmesi veya u\u011fran\u0131lan zarar\u0131n tamamen tazmin edilmesi ve kovu\u015fturma ba\u015flamadan \u00f6nce, g\u00f6n\u00fcll\u00fc olarak, zimmete ge\u00e7irilen para veya para yerine ge\u00e7en evrak veya senetlerin veya di\u011fer mallar\u0131n aynen iade edilmesi veya u\u011fran\u0131lan zarar\u0131n tamamen tazmin edilmesi ile zimmet su\u00e7unun konusunu olu\u015fturan para veya para yerine ge\u00e7en evrak veya senetlerin veya di\u011fer mallar\u0131n de\u011ferinin azl\u0131\u011f\u0131 indirim nedeni olarak d\u00fczenlenmi\u015ftir. Burada de\u011fer azl\u0131\u011f\u0131 belirlenirken objektif kriterler esas al\u0131nmal\u0131d\u0131r.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">\u00c7ok de\u011fersiz bir \u015feyin, \u00f6rne\u011fin bir dosya ka\u011f\u0131d\u0131n\u0131n banka personeli taraf\u0131ndan ki\u015fisel gereksinimi i\u00e7in kullan\u0131lmas\u0131nda zimmet su\u00e7u olu\u015fmaz. Burada su\u00e7 konusu \u015fey \u00fczerinde malikmi\u015f gibi tasarrufta bulunmak, gerek s\u00fcre gerekse bi\u00e7im itibariyle ho\u015fg\u00f6r\u00fc ile kar\u015f\u0131lanmakta, yani kar\u015f\u0131m\u0131za m\u00fcsamaha edilen zimmet \u00e7\u0131kmaktad\u0131r.<\/span><\/p>\n<h3><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Te\u015febb\u00fcs<\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Bankac\u0131l\u0131k zimmeti su\u00e7una te\u015febb\u00fcs m\u00fcmk\u00fcn de\u011fildir. Zira, para veya di\u011fer mallar m\u00fclkiyete ge\u00e7irildi\u011fi anda su\u00e7 meydana gelmi\u015f olur. Daha \u00f6nce, yani m\u00fclkiyete ge\u00e7irilmeden elde bulundurma ise su\u00e7 te\u015fkil etmemektedir.<\/span><\/p>\n<h3><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">\u0130\u015ftirak<\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Zimmet su\u00e7una i\u015ftirak her \u015fekli ile m\u00fcmk\u00fcnd\u00fcr. Bu konuda genel h\u00fck\u00fcmler uygulan\u0131r. Zimmet su\u00e7unda i\u00e7tima konusunda da genel h\u00fck\u00fcmler uygulan\u0131r. \u00d6rne\u011fin, 5411 say\u0131l\u0131\u00a0 Kanunun 160. maddesinde d\u00fczenlenen zimmet su\u00e7u, ayn\u0131 Kanunun 156. maddesinde d\u00fczenlenen i\u015flemlerin kay\u0131t d\u0131\u015f\u0131 b\u0131rak\u0131lmas\u0131 ve ger\u00e7e\u011fe ayk\u0131r\u0131 muhasebele\u015ftirme su\u00e7unu da olu\u015fturabilir ve fail her iki su\u00e7tan ayr\u0131 ayr\u0131 cezaland\u0131r\u0131l\u0131r. Nitekim somut duruma g\u00f6re fikri ictima ve zincirleme su\u00e7 h\u00fck\u00fcmlerinin uygulanmas\u0131 ve\/veya fiilin nitelikli zimmet olarak de\u011ferlendirilmesi m\u00fcmk\u00fcn olabilecektir.\u00a0\u00a0<\/span><\/p>\n<h3><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Soru\u015fturma ve kovu\u015fturma usul\u00fc<\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">5411 say\u0131l\u0131 Bankac\u0131l\u0131k Kanununun <em>\u201cKovu\u015fturma Usul\u00fc\u201d<\/em> ba\u015fl\u0131kl\u0131 \u00fc\u00e7\u00fcnc\u00fc b\u00f6l\u00fcm\u00fcn\u00fcn <em>\u201cYaz\u0131l\u0131 ba\u015fvuru ve m\u00fcdahale\u201d<\/em> ba\u015fl\u0131kl\u0131 162. maddesi,<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\"><em>\u201cBu Kanunda belirtilen su\u00e7lara ili\u015fkin soru\u015fturma ve kovu\u015fturma yap\u0131lmas\u0131, Kurum veya Fon taraf\u0131ndan Cumhuriyet ba\u015fsavc\u0131l\u0131\u011f\u0131na yaz\u0131l\u0131 ba\u015fvuruda bulunulmas\u0131na ba\u011fl\u0131d\u0131r. Bu ba\u015fvuru muhakeme \u015fart\u0131 niteli\u011findedir. Ancak, 160 nc\u0131 maddenin \u00fc\u00e7\u00fcnc\u00fc f\u0131kras\u0131nda belirtilen su\u00e7tan dolay\u0131 soru\u015fturma ve kovu\u015fturmalar Kurumun veya Fonun yaz\u0131l\u0131 bildirimi \u00fczerine veya gecikilmesinde sak\u0131nca g\u00f6r\u00fclen hallerde re&#8217;sen Cumhuriyet savc\u0131lar\u0131nca yap\u0131l\u0131r ve Kurum ve Fon haberdar edilir. Bu fikra uyar\u0131nca yap\u0131lan soru\u015fturmalar neticesinde a\u00e7\u0131lan kamu davalar\u0131nda, Kurumun veya Fonun ba\u015fvuruda bulunmas\u0131 h\u00e2linde, bunlar ba\u015fvuru tarihinde m\u00fcdahil s\u0131fat\u0131n\u0131 kazan\u0131rlar.<\/em><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\"><em>\u0130tibar\u0131n zedelenmesi, s\u0131rlar\u0131n a\u00e7\u0131klanmas\u0131 ve zimmet su\u00e7lar\u0131ndan dolay\u0131 ilgililerin dava hakk\u0131 ile 4.12.2004 tarihli ve 5271 say\u0131l\u0131 Ceza Muhakemesi Kanunu h\u00fck\u00fcmleri sakl\u0131d\u0131r\u201d<\/em><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">h\u00fckm\u00fcn\u00fc amirdir. Bu d\u00fczenlemeye g\u00f6re, Bankac\u0131l\u0131k Kanunundaki su\u00e7lar takibi \u015fikayete ba\u011fl\u0131 su\u00e7lar olup, su\u00e7lardan dolay\u0131 soru\u015fturma ve kovu\u015fturma yap\u0131lmas\u0131, Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu veya Tasarruf Mevduat\u0131 Sigorta Fonu taraf\u0131ndan Cumhuriyet Ba\u015fsavc\u0131l\u0131klar\u0131na yap\u0131lacak yaz\u0131l\u0131 ba\u015fvurulara ba\u011fl\u0131d\u0131r. Bu ba\u015fvuru Kanun h\u00fckm\u00fc gere\u011fince muhakeme \u015fart\u0131 niteli\u011finde oldu\u011fundan, yaz\u0131l\u0131 ba\u015fvuru olmadan savc\u0131l\u0131klarca re\u2019sen kovu\u015fturma ve soru\u015fturma yap\u0131lamaz, yap\u0131lm\u0131\u015f olsa da davan\u0131n a\u00e7\u0131lmas\u0131na karar verilemez.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Uygulamada Savc\u0131l\u0131klar taraf\u0131ndan soru\u015fturma a\u015famas\u0131nda Kurum veya Fon bilgilendirilmekte ve ba\u015fvurular\u0131 al\u0131nmaktad\u0131r. Kurum veya Fon\u2019un ba\u015fvurusu olmadan haz\u0131rlanan iddianameler Mahkemelerce iade edilmekte, bir \u015fekilde dava a\u00e7\u0131lm\u0131\u015fsa bu durumda da durma karar\u0131 verilerek Kurum veya Fon\u2019dan ba\u015fvuruda bulunup bulunmayacaklar\u0131 sorulmaktad\u0131r.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">5411 say\u0131l\u0131 Kanunun 163 ila 167. maddelerinde de kovu\u015fturma usul\u00fcne ili\u015fkin d\u00fczenlemelere yer verilmi\u015f, <em>\u201citiraz ve bildirim\u201d, \u201c\u00f6zel g\u00f6rev\u201d, \u201cbilirki\u015fi incelemesi\u201d, \u201c\u00f6zel soru\u015fturma ve kovu\u015fturma\u201d <\/em>ve<em> \u201cinfaz\u201d<\/em> d\u00fczenlenmi\u015ftir.<\/span><\/p>\n<h3><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Yapt\u0131r\u0131m<\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Bankac\u0131l\u0131k zimmeti su\u00e7unun yal\u0131n halinin yapt\u0131r\u0131m\u0131, alt\u0131 y\u0131ldan oniki y\u0131la kadar hapis ve be\u015fbin g\u00fcne kadar adl\u00ee para cezas\u0131 ve bankan\u0131n u\u011frad\u0131\u011f\u0131 zarar\u0131n tazminidir. \u0130kinci f\u0131krada d\u00fczenlenen nitelikli halinin yapt\u0131r\u0131m\u0131, on iki y\u0131ldan az olmamak \u00fczere hapis ve yirmibin g\u00fcne kadar adli para cezas\u0131 olup adli para cezas\u0131n\u0131n miktar\u0131 bankan\u0131n u\u011frad\u0131\u011f\u0131 zarar\u0131n \u00fc\u00e7 kat\u0131ndan az olamaz. \u00dc\u00e7\u00fcnc\u00fc f\u0131krada d\u00fczenlenen nitelikli halinin yapt\u0131r\u0131m\u0131, on y\u0131ldan yirmi y\u0131la kadar hapis ve yirmibin g\u00fcne kadar adl\u00ee para cezas\u0131 olup adl\u00ee para cezas\u0131n\u0131n miktar\u0131 bankan\u0131n u\u011frad\u0131\u011f\u0131 zarar\u0131n \u00fc\u00e7 kat\u0131ndan az olamaz.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Soru\u015fturma ba\u015flamadan \u00f6nce, zimmete ge\u00e7irilen para veya para yerine ge\u00e7en evrak veya senetlerin veya di\u011fer mallar\u0131n aynen iade edilmesi veya u\u011fran\u0131lan zarar\u0131n tamamen tazmin edilmesi h\u00e2linde, verilecek cezan\u0131n \u00fc\u00e7te ikisi indirilir.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Kovu\u015fturma ba\u015flamadan \u00f6nce, g\u00f6n\u00fcll\u00fc olarak, zimmete ge\u00e7irilen para veya para yerine ge\u00e7en evrak veya senetlerin veya di\u011fer mallar\u0131n aynen iade edilmesi veya u\u011fran\u0131lan zarar\u0131n tamamen tazmin edilmesi h\u00e2linde, verilecek cezan\u0131n yar\u0131s\u0131 indirilir. Bu durumun h\u00fck\u00fcmden \u00f6nce ger\u00e7ekle\u015fmesi h\u00e2linde, verilecek cezan\u0131n \u00fc\u00e7te biri indirilir.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Zimmet su\u00e7unun konusunu olu\u015fturan para veya para yerine ge\u00e7en evrak veya senetlerin veya di\u011fer mallar\u0131n de\u011ferinin azl\u0131\u011f\u0131 nedeniyle, verilecek ceza \u00fc\u00e7te birden yar\u0131ya kadar indirilir.<\/span><\/p>\n<h3 style=\"text-align: justify;\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Hukuki Destek<\/span><\/h3>\n<p style=\"text-align: justify;\" data-start=\"171\" data-end=\"555\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">B\u0131\u00e7ak Hukuk B\u00fcrosu, Bankac\u0131l\u0131k Kanunu\u2019nda d\u00fczenlenen zimmet su\u00e7u ve buna ba\u011fl\u0131 hukuki s\u00fcre\u00e7ler konusunda m\u00fcvekkillerine kapsaml\u0131 hukuki destek sa\u011flamaktad\u0131r. Bankac\u0131l\u0131k sekt\u00f6r\u00fcnde \u00e7al\u0131\u015fan profesyonellerin ve finans kurulu\u015flar\u0131n\u0131n kar\u015f\u0131la\u015fabilece\u011fi zimmet su\u00e7u soru\u015fturmalar\u0131, yarg\u0131lama s\u00fcre\u00e7leri ve olas\u0131 cezai yapt\u0131r\u0131mlar konusunda uzman ekibimizle dan\u0131\u015fmanl\u0131k hizmeti sunmaktay\u0131z.<\/span><\/p>\n<p style=\"text-align: justify;\" data-start=\"557\" data-end=\"983\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">B\u0131\u00e7ak Hukuk olarak, zimmet su\u00e7una ili\u015fkin hukuki dan\u0131\u015fmanl\u0131k, bankac\u0131l\u0131k sekt\u00f6r\u00fc \u00e7al\u0131\u015fanlar\u0131 i\u00e7in cezai ve idari s\u00fcre\u00e7lerin y\u00f6netimi, savunma stratejilerinin olu\u015fturulmas\u0131 ve temsil hizmetleri, zimmet su\u00e7u ile ilgili soru\u015fturma ve kovu\u015fturmalarda hukuki destek, banka i\u00e7i uyum politikalar\u0131n\u0131n olu\u015fturulmas\u0131na y\u00f6nelik <a href=\"https:\/\/www.bicakhukuk.com\/hukuki-danismanlik\/\" target=\"_blank\" rel=\"noopener\">dan\u0131\u015fmanl\u0131k<\/a> ve Yarg\u0131tay ve di\u011fer y\u00fcksek mahkeme kararlar\u0131 do\u011frultusunda g\u00fcncel <a href=\"https:\/\/www.bicakhukuk.com\/egitim-hizmetleri\/\" target=\"_blank\" rel=\"noopener\">hukuki e\u011fitimler<\/a> ve <a href=\"https:\/\/www.bicakhukuk.com\/uzmanin-bilimsel-mutalaasi\/\" target=\"_blank\" rel=\"noopener\">m\u00fctalaa<\/a> hizmetleri sunmaktay\u0131z.<\/span><\/p>\n<p style=\"text-align: justify;\" data-start=\"985\" data-end=\"1186\"><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Bankac\u0131l\u0131k ve ceza hukuku alan\u0131nda uzman ekibimizle, 5411 say\u0131l\u0131 Bankac\u0131l\u0131k Kanunu\u2019na g\u00f6re zimmet su\u00e7u ile ilgili t\u00fcm hukuki s\u00fcre\u00e7lerde profesyonel destek almak i\u00e7in bizimle <a href=\"https:\/\/www.bicakhukuk.com\/iletisim\/ana-ofisimiz\/\" target=\"_blank\" rel=\"noopener\">ileti\u015fime<\/a> ge\u00e7ebilirsiniz.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bankac\u0131l\u0131k Kanununda zimmeti su\u00e7u ve cezas\u0131, Kanunun 160. maddesinde d\u00fczenlenmi\u015ftir. Bu d\u00fczenlemeyle finansal piyasalarda g\u00fcven ve istikrar\u0131n sa\u011flanmas\u0131, kredi sisteminin etkin bir \u015fekilde \u00e7al\u0131\u015fmas\u0131 ve tasarruf sahiplerinin hak ve menfaatlerinin korunmas\u0131 ama\u00e7lanm\u0131\u015ft\u0131r. Bu ba\u011flamda, bankac\u0131l\u0131k d\u00fczenine ili\u015fkin adli su\u00e7 ve cezalar an\u0131lan Kanunun \u201cSu\u00e7lar\u201d ba\u015fl\u0131kl\u0131 ikinci b\u00f6l\u00fcm\u00fcnde (150-161. maddeleri) d\u00fczenlenmi\u015f olup, s\u00f6z konusu su\u00e7lar, niteli\u011fi [&hellip;]<\/p>\n","protected":false},"author":27,"featured_media":28536,"comment_status":"open","ping_status":"open","sticky":false,"template":"page-fullwidth.php","format":"standard","meta":{"rs_blank_template":"","rs_page_bg_color":"","slide_template_v7":"","footnotes":""},"categories":[740,739],"tags":[12105,12112,779,12106,12113,3553,12176,3549,3554,1359,12230,3564,3563,12102,12108,3539,3542,3541,12104,12103,3560,1245,2918,3550,3543,3548,971,1246,3544,12090,12111,3558,3556,3547,3561,3566,3546,3545,3551,3552,3540,12107,12097,12089,3557,3562,3555,3559,3565],"class_list":["post-20705","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ceza-hukuku","category-gorusler-dusunceler","tag-5411-sayili-bankacilik-kanunu-zimmet-sucu","tag-agirlastirilmis-dolandiricilik","tag-banka","tag-banka-calisanlarinin-zimmet-sucu","tag-banka-dolandiriciligi-sucu","tag-banka-hesaplarina-bloke-koyma","tag-banka-magdurlari","tag-banka-muduru-zimmeti","tag-banka-mufettis-zimmet","tag-banka-musteri-kimlik-tespiti","tag-banka-promosyon","tag-bankacilik-avukati","tag-bankacilik-duzenleme-ve-denetleme-kurumu","tag-bankacilik-kanunu-zimmet-sucu","tag-bankacilik-sektorunde-zimmet-sucu","tag-bankacilik-zimmet","tag-bankacilik-zimmet-cezasi","tag-bankacilik-zimmet-sucu","tag-bankacilik-zimmet-sucu-cezasi","tag-bankacilikta-zimmet-sucu","tag-gozalti-zimmet-sucu","tag-hileli-davranis","tag-kacakcilik-ve-organize-suclarla-mucadele","tag-kendi-hesabina-para-aktarmak","tag-kredi-sisteminin-etkin-calismasi","tag-menfaat-karsiligi-kredi-verilmesi","tag-merkez-bankasi","tag-nitelikli-zimmet","tag-tasarruf-sahiplerinin-korunmasi","tag-tck-247-zimmet-sucu","tag-turk-ceza-kanununda-dolandiricilik","tag-tutuklama-karari-zimmet-sucu","tag-yetkisini-kullanarak-kendi-uhdesine-para-aktarmak","tag-zimmet-bilirkisi-incelemesi","tag-zimmet-cetesi","tag-zimmet-davasinda-karar","tag-zimmet-kovusturma-usulu","tag-zimmet-sorusturma-usulu","tag-zimmet-sorusturmasi","tag-zimmet-suclamasi","tag-zimmet-sucu-avukati","tag-zimmet-sucu-nasil-ispatlanir","tag-zimmet-sucu-sorusturma-sureci","tag-zimmet-sucu-ve-cezasi","tag-zimmet-sucundan-tutuklama","tag-zimmet-zanlisi-hakkinda-karar","tag-zimmete-gecirilen-para-miktari","tag-zimmetine-para-geciren","tag-zimmetten-hapis-cezasi"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Bankac\u0131l\u0131k Kanununda Zimmet Su\u00e7u ve Cezas\u0131 | B\u0131\u00e7ak Hukuk Ofisi<\/title>\n<meta name=\"description\" content=\"Bankac\u0131l\u0131k Kanunu zimmet su\u00e7u cezas\u0131 kredi sisteminin etkin \u00e7al\u0131\u015fmas\u0131 tasarruf sahiplerinin hak menfaat korunmas\u0131 avukat hukuk b\u00fcrosu\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.bicakhukuk.com\/de\/bankacilik-kanununda-zimmet-sucu-ve-cezasi\/\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bankac\u0131l\u0131k Kanununda Zimmet Su\u00e7u ve Cezas\u0131 %\" \/>\n<meta property=\"og:description\" content=\"Bankac\u0131l\u0131k Kanununda zimmeti su\u00e7u ve cezas\u0131, Kanunun 160. maddesinde d\u00fczenlenmi\u015ftir. 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Ba\u015far\u0131n\u0131n s\u0131rr\u0131, do\u011fru bilgiye h\u0131zl\u0131 eri\u015fimdir. M\u00fcvekkil ihtiya\u00e7lar\u0131 tam ve eksiksiz tan\u0131mlayarak y\u00fcksek standartlarda, kaliteli, h\u0131zl\u0131 ve sonu\u00e7 odakl\u0131 esas\u0131na dayanan bir \u00e7al\u0131\u015fma anlay\u0131\u015f\u0131 benimsemi\u015f bulunuyoruz. G\u00fcvenilirlik, itibar, etik de\u011ferler ve kalite standartlar\u0131 gibi unsurlar, vazge\u00e7ilmezlerimiz olu\u015fturur.","legalName":"B\u0131\u00e7ak Hukuk","foundingDate":"2002-01-01","numberOfEmployees":{"@type":"QuantitativeValue","minValue":"1","maxValue":"10"},"address":{"@id":"https:\/\/www.bicakhukuk.com\/de\/bankacilik-kanununda-zimmet-sucu-ve-cezasi\/#local-main-place-address"},"geo":{"@type":"GeoCoordinates","latitude":"39.90985903589262","longitude":"32.81218744448808"},"telephone":["0 (312) 473 39 60","0 (553) 223 32 90"],"openingHoursSpecification":[{"@type":"OpeningHoursSpecification","dayOfWeek":["Monday","Tuesday","Wednesday","Thursday","Friday","Saturday"],"opens":"08:00","closes":"18:00"},{"@type":"OpeningHoursSpecification","dayOfWeek":["Sunday"],"opens":"00:00","closes":"00:00"}],"email":"iletisim@bicakhukuk.com","faxNumber":"0 (312) 473 39 62","areaServed":"Hukuk"},{"@type":"Person","@id":"https:\/\/www.bicakhukuk.com\/de\/#\/schema\/person\/3ffbc31864ec806febdc7f57e5eae117","name":"Admin","sameAs":["https:\/\/www.bicakhukuk.com"],"url":"https:\/\/www.bicakhukuk.com\/de\/author\/vahit-bicak\/"},{"@type":"PostalAddress","@id":"https:\/\/www.bicakhukuk.com\/de\/bankacilik-kanununda-zimmet-sucu-ve-cezasi\/#local-main-place-address","streetAddress":"Next Level Loft Ofis, Kat 9-10, Daire 29, K\u0131z\u0131l\u0131rmak Mahallesi, Ufuk \u00dcniversitesi Caddesi S\u00f6\u011f\u00fct\u00f6z\u00fc \/ \u00c7ankaya","addressLocality":"Ankara","postalCode":"06530","addressCountry":"TR"},{"@type":"ImageObject","inLanguage":"de","@id":"https:\/\/www.bicakhukuk.com\/de\/bankacilik-kanununda-zimmet-sucu-ve-cezasi\/#local-main-organization-logo","url":"https:\/\/www.bicakhukuk.com\/wp-content\/uploads\/2023\/05\/bicak_hukuk_logo_kare.png","contentUrl":"https:\/\/www.bicakhukuk.com\/wp-content\/uploads\/2023\/05\/bicak_hukuk_logo_kare.png","width":2000,"height":2000,"caption":"B\u0131\u00e7ak Hukuk | T\u00fcrkiye Merkezli Global Hukuk Firmas\u0131"}]},"geo.placename":"Ankara","geo.position":{"lat":"39.90985903589262","long":"32.81218744448808"},"geo.region":"T\u00fcrkei"},"_links":{"self":[{"href":"https:\/\/www.bicakhukuk.com\/de\/wp-json\/wp\/v2\/posts\/20705","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bicakhukuk.com\/de\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bicakhukuk.com\/de\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bicakhukuk.com\/de\/wp-json\/wp\/v2\/users\/27"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bicakhukuk.com\/de\/wp-json\/wp\/v2\/comments?post=20705"}],"version-history":[{"count":0,"href":"https:\/\/www.bicakhukuk.com\/de\/wp-json\/wp\/v2\/posts\/20705\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bicakhukuk.com\/de\/wp-json\/wp\/v2\/media\/28536"}],"wp:attachment":[{"href":"https:\/\/www.bicakhukuk.com\/de\/wp-json\/wp\/v2\/media?parent=20705"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bicakhukuk.com\/de\/wp-json\/wp\/v2\/categories?post=20705"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bicakhukuk.com\/de\/wp-json\/wp\/v2\/tags?post=20705"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}