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Bağlı tüketici kredileri

Bound (linked) consumer credit

  1. Tez No: 143737
  2. Yazar: GÖNÜL KAPAĞAN
  3. Danışmanlar: PROF. DR. ALİ ERTEN
  4. Tez Türü: Yüksek Lisans
  5. Konular: İşletme, Business Administration
  6. Anahtar Kelimeler: Belirtilmemiş.
  7. Yıl: 2004
  8. Dil: Türkçe
  9. Üniversite: Ankara Üniversitesi
  10. Enstitü: Sosyal Bilimler Enstitüsü
  11. Ana Bilim Dalı: İşletme Ana Bilim Dalı
  12. Bilim Dalı: Belirtilmemiş.
  13. Sayfa Sayısı: 100

Özet

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Özet (Çeviri)

SUMMARY The subject of our dissertation is a sub-kind of consumer credit that is bound (linked) credit. Begining of dissertation was explained the concep of releted to subject. Consumer credit is one of the important banking transactions nowadays. The Industry Revulation increase either production (supply) or consumption rapidly. In this point both supply and consumption habits was begining changed, furthermore new marketing strategic emerge from. Consumer and consumer protection concept put on agenda of societies. The history of credit concept goes back to ancient are, but it is only by nineteenth century the use of credit had became more acceptable. Industrial develoment in both Europa and United States of America have supported the increase in both using and giving credit. Consumer credit agrement may be defined as an agreement, which is concluded betwen two parties, nameley creditor (bank or credit instituties) and consumer. Consumer credit agreement is a biliteral agreemen. According to this agreement that creditor is Grant a define amount of money to consumer and consumer is to pay back this amount of money to creditor (bank or credit instituties) in time of payback. The first consumer credit was given in year 1988 in Turkey by Yapı Kredi Bankası. But this consumer credit agreement were created many problems. İt became a necesit to regulate this area. Bound (linked) credit concept was emerge with Releted to Financial Instituties Establishing and Examining Principal Regulation in year 1994 by Undersecretaries Treasure. But this Regulate solve problem in this area lack of sufficiently. The Consumer Protect Act was adopted in year 1995. Consumer Protect Act's Article 10 was regulate consumer credit. In this Article 10/4 also intrudues a new kind of consumer credit. The new consumer credit was bound (linked) credit. The new Act 88also is put into ordered the liability of creditor in bound credit agreement, whereas cash consumer credit agrement nothing a kind of liability. Cash (clasical) consumer credit agrement is bileteral agreement which is concluded betwen creditor and consumer whereas bound (linked) credit agreement consisting of three parties, namely creditor (bank or credit instituties), consumer and seller goods or supplier service. If the credit is given on the condition of buying good and supplying service from a definite seller or supplier. If the goods and service are definite, then the creditor will be liable of the defect or non suppliance or partial suppliance in this good and service. This is a protective provision fort he consumer a very important aspect of liability. According to Consumer Protect Act's Article 10, the consumer credit agreement between consumer and creditor should be concluded in a written porm. also a copy this agreement should be given to the consumer. After the enactment of the agreement the creditor isn't allowed to changed any of the provision of it. A substantial number of disputes arise between consumer and the suppliers and of goods and services funded under a credit agrement. Consumer Protection Act considered giving the consumer of option of taking action directly against the lender (creditor), without being obliged to firs institatie proceding against the supplier of service or seller of goods. This aproach is based on notion that signing of a contract of supply of service and sell goods is conditioned by existence of a credit agreement to Act's 10. This generates a certain form of joint and several liability between the supplier of service or seller of goods and the lender (creditor). 89

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