\u00a0<\/p>\n
Bankac\u0131l\u0131k, sermaye piyasalar\u0131, sigorta, kat\u0131l\u0131m finans\u0131, kalk\u0131nma finansman\u0131 ve bankac\u0131l\u0131k d\u0131\u015f\u0131 finans alanlar\u0131nda kat\u0131l\u0131mc\u0131lar\u0131 bulu\u015fturan zirveye, Cumhurba\u015fkanl\u0131\u011f\u0131 Yat\u0131r\u0131m ve Finans Ofisi Ba\u015fkan\u0131 Burak Da\u011fl\u0131o\u011flu, Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK) Ba\u015fkan\u0131 \u015eahap Kavc\u0131o\u011flu, Sermaye Piyasas\u0131 Kurulu (SPK) Ba\u015fkan\u0131 \u00d6mer G\u00f6n\u00fcl ve Borsa \u0130stanbul A\u015e Genel M\u00fcd\u00fcr\u00fc Korkmaz Ergun kat\u0131ld\u0131.<\/p>\n
Da\u011fl\u0131o\u011flu, burada yapt\u0131\u011f\u0131 konu\u015fmada, gelece\u011fi konu\u015furken dijitalle\u015fmenin her zaman en \u00f6nemli ba\u015fl\u0131klardan biri oldu\u011funu belirterek, finans sekt\u00f6r\u00fcn\u00fcn \u00f6zellikle bankac\u0131l\u0131k ba\u015fta olmak \u00fczere T\u00fcrkiye’de dijitalle\u015fmenin en ileri safhada oldu\u011fu sekt\u00f6rlerden biri oldu\u011funu s\u00f6yledi.<\/p>\n
D\u00fcnyadaki uygulamalar a\u00e7\u0131s\u0131ndan da T\u00fcrkiye’nin finans sekt\u00f6r\u00fcndeki dijitalle\u015fmesinin bir\u00e7ok \u00fclkeyi geride b\u0131rakarak parmakla g\u00f6sterilen bir ba\u015far\u0131 hikayesine d\u00f6n\u00fc\u015ft\u00fc\u011f\u00fcn\u00fc dile getiren Da\u011fl\u0131o\u011flu, “Bunu yaln\u0131zca bankac\u0131l\u0131kta de\u011fil, sigorta ve hatta \u00e7ok geleneksel bir alan olan sermaye piyasalar\u0131na dahi yans\u0131tm\u0131\u015f olmak \u00e7ok b\u00fcy\u00fck bir ba\u015far\u0131. Yaln\u0131zca b\u00fcy\u00fck kurumsal akt\u00f6rlerin de\u011fil, finansal teknoloji \u015firketlerinin de dijitalle\u015fmeyi h\u0131zla \u015fekillendirdi\u011fi, s\u00fcr\u00fckledi\u011fi bir d\u00f6nemi ya\u015f\u0131yoruz.” diye konu\u015ftu.<\/p>\n
Da\u011fl\u0131o\u011flu, T\u00fcrkiye’de yakla\u015f\u0131k 1000 finansal teknoloji \u015firketi oldu\u011funu, bu FinTek \u015firketlerinin yaln\u0131zca T\u00fcrkiye’de de\u011fil, b\u00f6lgesel bir \u015fampiyon akt\u00f6r olarak gelece\u011fe h\u0131zla gitmelerini istediklerini ifade etti.<\/p>\n
Gelecek d\u00f6neme dair en ciddi s\u0131naman\u0131n yapay zeka oldu\u011funu dile getiren Da\u011fl\u0131o\u011flu, “\u00d6zellikle finans gibi reg\u00fclasyonun \u00e7ok \u00f6nemli oldu\u011fu ve veri politikalar\u0131 ba\u015fta olmak \u00fczere bir\u00e7ok alanda stratejik kararlar verilmesi gereken bir alanda \u00f6n\u00fcm\u00fczdeki d\u00f6nemdeki en b\u00fcy\u00fck s\u0131naman\u0131n, yapay zeka ve yapay zekan\u0131n bu sekt\u00f6rlere entegrasyonu oldu\u011funu d\u00fc\u015f\u00fcn\u00fcyoruz. Eminim ki ge\u00e7mi\u015fte oldu\u011fu gibi gelecekte de reg\u00fclat\u00f6rlerimiz en do\u011fru kararlar\u0131 vererek, en isabetli politikay\u0131 geli\u015ftirerek finans sekt\u00f6r\u00fcn\u00fcn, bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn yapay zekayla d\u00f6n\u00fc\u015f\u00fcm\u00fcn\u00fc de sa\u011flayacaklard\u0131r.” dedi.<\/p>\n
“Kat\u0131l\u0131m finans\u0131n daha adil bir sisteme \u00f6nayak oldu\u011funu d\u00fc\u015f\u00fcn\u00fcyorum”<\/strong><\/p>\n Cumhurba\u015fkanl\u0131\u011f\u0131 Yat\u0131r\u0131m ve Finans Ofisi Ba\u015fkan\u0131 Da\u011fl\u0131o\u011flu, s\u00fcrd\u00fcr\u00fclebilirli\u011fin \u00f6nemine i\u015faret ederek, d\u00fcnyan\u0131n en b\u00fcy\u00fck ekonomik akt\u00f6r\u00fcn\u00fcn, mevcut politika yap\u0131c\u0131lar\u0131n\u0131n biraz ye\u015filden farkl\u0131 konu\u015fmas\u0131na ra\u011fmen d\u00fcnyada bu ger\u00e7ekli\u011fin devam etti\u011fini dile getirdi.<\/p>\n Da\u011fl\u0131o\u011flu, Cumhurba\u015fkan\u0131 Recep Tayyip Erdo\u011fan’\u0131n her platformda “daha adil bir d\u00fcnya” \u00e7a\u011fr\u0131s\u0131 yapt\u0131\u011f\u0131n\u0131 belirterek, kat\u0131l\u0131m finans\u0131n bu adil d\u00fcnya \u00e7a\u011fr\u0131s\u0131na y\u00f6nelik \u00f6nemli bir ba\u015fl\u0131k oldu\u011funu s\u00f6yledi.<\/p>\n Temel prensipleri gere\u011fi kat\u0131l\u0131m finans\u0131n daha adil bir sisteme \u00f6nayak oldu\u011funu d\u00fc\u015f\u00fcnd\u00fc\u011f\u00fcn\u00fc belirten Da\u011fl\u0131o\u011flu, \u015f\u00f6yle devam etti: “Bu ba\u011flamda kat\u0131l\u0131m finans\u0131n gelece\u011fe y\u00f6nelik b\u00fcy\u00fcmesi bizim i\u00e7in \u00e7ok k\u0131ymetli. Y\u00fczde 15 hedefine ula\u015fmak i\u00e7in b\u00fct\u00fcn payda\u015flar\u0131 olarak \u00e7ok yo\u011fun \u00e7al\u0131\u015f\u0131l\u0131yor. \u00d6zellikle de hepinizin malumu oldu\u011fu \u00fczere bir mevzuat \u00e7al\u0131\u015fmas\u0131 var. Yaln\u0131zca bankac\u0131l\u0131k de\u011fil, kat\u0131l\u0131m finans deyince sigorta ve sermaye piyasalar\u0131 boyutuyla da ele almak laz\u0131m ve asl\u0131nda son d\u00f6nemde \u00f6zellikle sermaye piyasalar\u0131 taraf\u0131nda kat\u0131l\u0131m finans enstr\u00fcmanlar\u0131n\u0131n h\u0131zla artt\u0131\u011f\u0131n\u0131 g\u00f6rmek b\u00fcy\u00fck memnuniyet verici fakt\u00f6r. Fakat bunu daha ileri seviyelere ta\u015f\u0131mak laz\u0131m. Gelecek ad\u0131na bir di\u011fer vizyon, bu sekt\u00f6r\u00fc yaln\u0131zca i\u00e7 dinamiklerle b\u00fcy\u00fctmek m\u00fcmk\u00fcn de\u011fil. Uluslararas\u0131 i\u015fbirlikleri ka\u00e7\u0131n\u0131lmaz bir gereklilik. Biz de bu ba\u011flamda d\u00fcnyadaki b\u00fcy\u00fck, geli\u015fmi\u015f kat\u0131l\u0131m finans ekonomileriyle yak\u0131n ili\u015fkiler geli\u015ftirerek, kar\u015f\u0131l\u0131kl\u0131 heyetler d\u00fczenleyerek bu sekt\u00f6r\u00fcn uluslararas\u0131 i\u015fbirliklerini de art\u0131rmay\u0131 hedefliyoruz.”<\/p>\n Da\u011fl\u0131o\u011flu, finans sekt\u00f6r\u00fcn\u00fcn sadece T\u00fcrkiye’de de\u011fil, b\u00f6lgede de T\u00fcrkiye merkezli akt\u00f6rler taraf\u0131ndan \u015fekillendirilmesi gerekti\u011fini belirterek, T\u00fcrkiye’nin art\u0131k b\u00f6lgesel bir ekonomik akt\u00f6r oldu\u011funu vurgulad\u0131.<\/p>\n “(Bankac\u0131l\u0131k sekt\u00f6r\u00fc) Finansal istikrar\u0131 sa\u011flam bir \u015fekilde desteklemeyi s\u00fcrd\u00fcr\u00fcyor”<\/strong><\/p>\n BDDK Ba\u015fkan\u0131 \u015eahap Kavc\u0131o\u011flu da T\u00fcrkiye’nin finansal mimarisinin yar\u0131n\u0131n\u0131 konu\u015fmak i\u00e7in topland\u0131klar\u0131n\u0131 dile getirerek, sa\u011flam bir finansal mimarinin s\u00fcrd\u00fcr\u00fclebilir b\u00fcy\u00fcmenin zemini oldu\u011funu ifade etti.<\/p>\n Ge\u00e7mi\u015f y\u0131llar\u0131n k\u00fcresel \u00f6l\u00e7ekte e\u015f zamanl\u0131 s\u0131namalarla \u015fekillendi\u011fini s\u00f6yleyen Kavc\u0131o\u011flu, “Bankac\u0131l\u0131k sekt\u00f6r\u00fcm\u00fcz bu s\u00fcrecin omurgas\u0131 oldu. G\u00fc\u00e7l\u00fc sermaye yap\u0131s\u0131, d\u00fc\u015f\u00fck takip oranlar\u0131 ve y\u00fcksek likidite, finansal istikrar\u0131 sa\u011flam bir \u015fekilde desteklemeyi s\u00fcrd\u00fcr\u00fcyor.” diye konu\u015ftu.<\/p>\n Kavc\u0131o\u011flu, d\u00fcnya finans\u0131n\u0131n k\u00f6kl\u00fc bir d\u00f6n\u00fc\u015f\u00fcm i\u00e7inde oldu\u011funu, bu durumun yeni zorluklar do\u011furdu\u011funu, ancak ayn\u0131 zamanda verimlilik, kapsay\u0131c\u0131l\u0131k ve sermayenin reel sekt\u00f6re daha etkin ak\u0131\u015f\u0131 a\u00e7\u0131s\u0131ndan \u00f6nemli f\u0131rsatlar sundu\u011funu ifade etti.<\/p>\n BDDK olarak d\u00f6n\u00fc\u015f\u00fcm\u00fc izleyen de\u011fil, y\u00f6n veren bir kurum olma hedefiyle, k\u00fcresel standartlarla uyumlu, \u00f6ng\u00f6r\u00fclebilir ve etkin bir d\u00fczenleme-denetim \u00e7er\u00e7evesi sunduklar\u0131n\u0131 belirten Kavc\u0131o\u011flu, “Bu yakla\u015f\u0131m, uluslararas\u0131 entegrasyonu g\u00fc\u00e7lendirirken sekt\u00f6r\u00fcn rekabet\u00e7ili\u011fine ve risk y\u00f6netimi kapasitesine do\u011frudan katk\u0131 sa\u011flamaktad\u0131r.” dedi.<\/p>\n “Dijital finans, s\u00fcrd\u00fcr\u00fclebilir finans ve kat\u0131l\u0131m finans ekosistemlerini birlikte ele al\u0131yoruz”<\/strong><\/p>\n \u015eahap Kavc\u0131o\u011flu, 2025-2028 Stratejik Planlar\u0131n\u0131 kamuoyuyla payla\u015ft\u0131klar\u0131n\u0131, plan\u0131n \u00fc\u00e7 temel eksene dayand\u0131\u011f\u0131n\u0131 dile getirerek, “Bunlar, finansal piyasalarda g\u00fcven ve istikrar\u0131n g\u00fc\u00e7lendirilmesi, rekabeti ve verimlili\u011fi g\u00f6zeten, kapsayan bir geli\u015fim \u00e7izgisinin s\u00fcrd\u00fcr\u00fclmesi, d\u00fczenleme-denetim s\u00fcre\u00e7lerini daha etkili k\u0131lacak kurumsal kapasitenin g\u00fc\u00e7lendirilmesi.” ifadesini kulland\u0131.<\/p>\n Bu do\u011frultuda att\u0131klar\u0131 ad\u0131mlara de\u011finen Kavc\u0131o\u011flu, dijital finans, s\u00fcrd\u00fcr\u00fclebilir finans ve kat\u0131l\u0131m finans\u0131 ekosistemlerini birlikte ele ald\u0131klar\u0131n\u0131, bireysel bankac\u0131l\u0131kta \u015feffafl\u0131\u011f\u0131 ve analiz kapasitesini y\u00fckselttiklerini belirtti.<\/p>\n Kavc\u0131o\u011flu, risk temelli denetimi g\u00fc\u00e7lendirirken, a\u00e7\u0131k bankac\u0131l\u0131k ve servis modeli bankac\u0131l\u0131\u011f\u0131na uyumu, i\u015f s\u00fcreklili\u011fini ve iklim risklerine y\u00f6nelik stres testlerini somut hedeflerle takip ettiklerini bildirdi. Kavc\u0131o\u011flu, \u015funlar\u0131 kaydetti:<\/p>\n “Bu do\u011frultuda, 2020’de kurulan ve \u00fclkemizin ilk yerli ve milli derecelendirme kurulu\u015fu olan JCR Avrasya Derecelendirme’nin Risk Merkezi entegrasyonu ve derecelendirme notlar\u0131n\u0131n bankalar nezdinde SYR hesaplamalar\u0131nda kullan\u0131labilmesinin, Basel uyumunu g\u00fc\u00e7lendiren stratejik bir ad\u0131m oldu\u011funu da belirtmek isterim. Bu mekanizma sayesinde kurumsal firmalar\u0131n risk a\u011f\u0131rl\u0131klar\u0131n\u0131n temel yakla\u015f\u0131mlar\u0131n \u00f6tesinde daha duyarl\u0131 ve firma \u00f6zelinde \u00f6l\u00e7\u00fclebilmesine, sekt\u00f6r genelinde risk a\u011f\u0131rl\u0131kl\u0131 varl\u0131klar\u0131n standart, \u015feffaf ve uluslararas\u0131 uyumlu bi\u00e7imde hesaplanmas\u0131na imkan sa\u011flamaktad\u0131r.” \u015eahap Kavc\u0131o\u011flu, dijitalle\u015fmenin \u00f6nemine dikkati \u00e7ekerek, i\u015f yap\u0131\u015f k\u00fclt\u00fcr\u00fcn\u00fcn omurgas\u0131 haline geldi\u011fini dile getirdi.<\/p>\n “Kat\u0131l\u0131m finans\u0131n y\u00fczde 15 sekt\u00f6r pay\u0131 hedefini yakalayaca\u011f\u0131n\u0131 tahmin ediyoruz”<\/strong><\/p>\n BDDK Ba\u015fkan\u0131 Kavc\u0131o\u011flu, kat\u0131l\u0131m finans kurulu\u015flar\u0131n\u0131n da sistemlerinin tamamlay\u0131c\u0131 ve stratejik bir unsuru oldu\u011funu belirterek, kurumsal kapasitenin geli\u015fmesi, \u00fcr\u00fcn \u00e7e\u015fitlili\u011finin artmas\u0131 ve ekosistemin b\u00fcy\u00fcmesi i\u00e7in son d\u00f6nemde \u00f6nemli ad\u0131mlar att\u0131klar\u0131n\u0131 s\u00f6yledi.<\/p>\n Merkezi dan\u0131\u015fma yap\u0131s\u0131, ilkeleri netle\u015ftiren d\u00fczenlemeler ve y\u00f6neti\u015fimi g\u00fc\u00e7lendiren \u00e7er\u00e7evelerle hem uluslararas\u0131 yakla\u015f\u0131mlara uyum sa\u011flayan hem yerli ilkeleri g\u00f6zeten bir yap\u0131 kurduklar\u0131n\u0131 dile getiren Kavc\u0131o\u011flu, sadece bankac\u0131l\u0131k de\u011fil bankac\u0131l\u0131k d\u0131\u015f\u0131 finans sekt\u00f6r\u00fc i\u00e7in de kat\u0131l\u0131m esasl\u0131 faaliyetlerin \u00f6n\u00fcn\u00fc a\u00e7t\u0131klar\u0131n\u0131 ifade etti.<\/p>\n Kavc\u0131o\u011flu, “Bu kapsamda kat\u0131l\u0131m esasl\u0131 finansman kurulu\u015flar\u0131na izin vermeye ba\u015flad\u0131k. Di\u011fer taraftan tasarruf finansman \u015firketlerini kat\u0131l\u0131m bankalar\u0131 ile entegre ederek hem sekt\u00f6re sinerji kazand\u0131rmay\u0131 hem de kat\u0131l\u0131m finans ekosistemini b\u00fcy\u00fctmeyi ama\u00e7l\u0131yoruz. Yapt\u0131\u011f\u0131m\u0131z \u00e7al\u0131\u015fmalarla birlikte kat\u0131l\u0131m finans\u0131n y\u00fczde 15 sekt\u00f6r pay\u0131 hedefini yakalayaca\u011f\u0131n\u0131, ekosistemin olgunla\u015fmas\u0131 ve entegrasyon ile nihai ad\u0131mda y\u00fczde 25 hedefine ula\u015faca\u011f\u0131n\u0131 tahmin ediyoruz.” diye konu\u015ftu.<\/p>\n Finansal istikrar ile dijital finans uygulamalar\u0131 ve yeni hizmet modelleri aras\u0131nda sa\u011fl\u0131kl\u0131 bir dengeyi g\u00f6zetmenin gelecek d\u00f6nemin temel s\u0131navlar\u0131ndan biri olaca\u011f\u0131n\u0131 kaydeden Kavc\u0131o\u011flu, s\u00f6zlerini \u015f\u00f6yle tamamlad\u0131:<\/p>\n “Finansal istikrar ile dijital finans uygulamalar\u0131 ve yeni hizmet modelleri aras\u0131nda sa\u011fl\u0131kl\u0131 bir dengeyi g\u00f6zetmek, \u00f6n\u00fcm\u00fczdeki d\u00f6nemin temel s\u0131navlar\u0131ndan biri olacak. Bu \u00e7er\u00e7evede \u00fc\u00e7 \u00f6nceli\u011fimizi payla\u015fmak istiyorum. Birincisi, finansal dayan\u0131kl\u0131l\u0131k, ikincisi dijitalle\u015fme, \u00fc\u00e7\u00fcnc\u00fcs\u00fc s\u00fcrd\u00fcr\u00fclebilir finans. Biz de etkin denetim, net kurallar ve g\u00fc\u00e7l\u00fc diyalogla bu s\u00fcreci desteklemeyi s\u00fcrd\u00fcrmekteyiz.”<\/p>\n\n <\/p>\n Kaynak :\u00a0http:\/\/www.milliyet.com.tr\/ekonomi\/finansta-en-buyuk-sinama-yapay-zekada-7500150<\/span><\/p>\n","protected":false},"excerpt":{"rendered":" Cumhurba\u015fkanl\u0131\u011f\u0131 Yat\u0131r\u0131m ve Finans Ofisi Ba\u015fkan\u0131 Burak Da\u011fl\u0131o\u011flu, “Finans gibi bir alanda \u00f6n\u00fcm\u00fczdeki d\u00f6nemdeki en b\u00fcy\u00fck s\u0131naman\u0131n, yapay zeka, yapay zekan\u0131n bu sekt\u00f6rlere entegrasyonu oldu\u011funu d\u00fc\u015f\u00fcn\u00fcyoruz.” dedi.<\/p>\n","protected":false},"author":1,"featured_media":153084,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[2315,9230,2802,3424,10214],"class_list":["post-153083","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-bankacilik","tag-daglioglu","tag-dijital","tag-finans","tag-kavcioglu"],"_links":{"self":[{"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/posts\/153083","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/comments?post=153083"}],"version-history":[{"count":1,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/posts\/153083\/revisions"}],"predecessor-version":[{"id":153085,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/posts\/153083\/revisions\/153085"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/media\/153084"}],"wp:attachment":[{"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/media?parent=153083"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/categories?post=153083"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/tags?post=153083"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}