{"id":264,"date":"2016-12-06T22:53:59","date_gmt":"2016-12-06T19:53:59","guid":{"rendered":"http:\/\/www.acilpara.gen.tr\/?p=264"},"modified":"2017-12-06T22:58:38","modified_gmt":"2017-12-06T19:58:38","slug":"banka-muduru-kredi-cikartabilir-mi","status":"publish","type":"post","link":"http:\/\/www.is-ilanlari.org\/acilpara\/banka-muduru-kredi-cikartabilir-mi\/","title":{"rendered":"Banka M\u00fcd\u00fcr\u00fc Kredi \u00c7\u0131kartabilir mi?"},"content":{"rendered":"<div class=\"qwscu6a2720b976221\" style=\"float: left;\"><script async src=\"\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script>\n<!-- Enjoylife -->\n<ins class=\"adsbygoogle\"\n     style=\"display:inline-block;width:200px;height:200px\"\n     data-ad-client=\"ca-pub-1834787164780493\"\n     data-ad-slot=\"4807103361\"><\/ins>\n<script>\n(adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><\/div><style type=\"text\/css\">\r\n.qwscu6a2720b976221 {\r\nmargin: 5px; padding: 0px;\r\n}\r\n@media screen and (min-width: 1201px) {\r\n.qwscu6a2720b976221 {\r\ndisplay: block;\r\n}\r\n}\r\n@media screen and (min-width: 993px) and (max-width: 1200px) {\r\n.qwscu6a2720b976221 {\r\ndisplay: block;\r\n}\r\n}\r\n@media screen and (min-width: 769px) and (max-width: 992px) {\r\n.qwscu6a2720b976221 {\r\ndisplay: block;\r\n}\r\n}\r\n@media screen and (min-width: 768px) and (max-width: 768px) {\r\n.qwscu6a2720b976221 {\r\ndisplay: block;\r\n}\r\n}\r\n@media screen and (max-width: 767px) {\r\n.qwscu6a2720b976221 {\r\ndisplay: block;\r\n}\r\n}\r\n<\/style>\r\n<p>Biz bireylerin neredeyse t\u00fcm ihtiya\u00e7lar\u0131na cevap verebilmek ad\u0131na kurulan kurumun ad\u0131d\u0131r banka.Kurum y\u00f6neticisi &#8220;M\u00fcd\u00fcr&#8221;\u00fcnvan\u0131yla an\u0131l\u0131r.Elindeki yetkiler neticesinde\u00a0 bulundu\u011fu kurumda en \u00fcst mertebede yer almaktad\u0131r.M\u00fc\u015fteri memnuniyetinin en \u00f6n planda oldu\u011fu bankalarda \u015fube m\u00fcd\u00fcr\u00fc yetkileri neticesinde yap\u0131labilecek i\u015flemler s\u0131n\u0131rl\u0131d\u0131r.<!--more--><\/p>\n<p>Bankalar\u0131n verdi\u011fi hizmetler aras\u0131nda\u00a0 en temel gereksinimlerimiz aras\u0131nda yer alan,\u00a0\u00a0\u00a0 bor\u00e7 \u00f6demede g\u00fcvenilirli\u011fi \u00f6zetleyen,\u00f6d\u00fcn\u00e7 para al\u0131yormu\u015f gibi d\u00fc\u015f\u00fcnd\u00fc\u011f\u00fcm\u00fcz\u00a0 sadece bankalardan sa\u011flayabildi\u011fimiz bir hizmet olan kredi ihtiyac\u0131m\u0131z\u0131 kar\u015f\u0131lamaya \u00e7al\u0131\u015f\u0131rken bazen kredi notumuzun d\u00fc\u015f\u00fck olmas\u0131 yada \u00e7al\u0131\u015fmakta oldu\u011fumuz kurumdan alm\u0131\u015f oldu\u011fumuz gelirimizin yetersiz\u00a0 olmas\u0131 gibi nedenlerden dolay\u0131\u00a0 kredi talebimiz finans kurumu taraf\u0131ndan kar\u015f\u0131lanamaz.G\u00fcn\u00fcm\u00fczde neredeyse her kurumda i\u015fimizi tan\u0131d\u0131k vas\u0131tas\u0131yla halletmeye al\u0131\u015fk\u0131n oldu\u011fumuz do\u011frudur.Ancak maalesef her kurumda olmas\u0131 zor bir \u00f6zellik. Neticede bir finans kurumunda rica minnet yap\u0131labilen i\u015fler k\u0131s\u0131tl\u0131.Kredi ihtiyac\u0131n\u0131n kurum taraf\u0131ndan\u00a0 kredi notuna bak\u0131larak\u00a0 verilebilmesi neticesinde \u015fube m\u00fcd\u00fcr\u00fcne ait yetkilerinde yetmedi\u011fi konular ortaya \u00e7\u0131kabilmektedir.<\/p>\n<h3><span style=\"color: #800000;\">Banka M\u00fcd\u00fcr\u00fc Kredi Verme Yetkisi<\/span><\/h3>\n<p>Finans kurumuna ba\u011fl\u0131 \u00e7al\u0131\u015fan bir \u015fubenin m\u00fcd\u00fcr\u00fc evet belki her konuda o \u015fubenin temel ta\u015f\u0131d\u0131r. Ancak yetkilerinin s\u0131n\u0131rland\u0131\u011f\u0131 durumlar ac\u0131k ve nettir.\u00d6rne\u011fin kredi notunun d\u00fc\u015f\u00fckl\u00fc\u011f\u00fc neticesinde kredi ihtiyac\u0131n\u0131 gideremeyen bir bireyin kredi \u00e7ekebilmesi baz\u0131 finans kurumlar\u0131nda\u00a0 \u015fube m\u00fcd\u00fcr\u00fcn\u00fcn elinde olan bir yetki de\u011fildir. Baz\u0131 finans kurulu\u015flar\u0131nda ilgli kredi ihtiya\u00e7lar\u0131 genel m\u00fcd\u00fcrl\u00fck onayl\u0131 olarak verilmekte oldu\u011fundan \u015fube m\u00fcd\u00fcr\u00fc insiyatifi kullan\u0131lamamaktad\u0131r.Ancak baz\u0131 kurumlarda kredi ihtiya\u00e7lar\u0131 \u015fube onayl\u0131 olarak kar\u015f\u0131lanmaktad\u0131r.E\u011fer kredi \u00e7ekememe neticesi kredi notunun d\u00fc\u015f\u00fck olmas\u0131 de\u011fil ise di\u011fer nedenler ek gelir beyan\u0131 veya ipotekli ta\u015f\u0131nmaz al\u0131m\u0131 ile \u015fube m\u00fcd\u00fcr\u00fc onay\u0131na ba\u011fl\u0131 olarak ihtiyac\u0131n kar\u015f\u0131lanmas\u0131 sa\u011flanabilmektedir.<\/p>\n<h3><span style=\"color: #800000;\">\u015eube M\u00fcd\u00fcr\u00fc Onayl\u0131 Kredi<\/span><\/h3>\n<p>Genellikle bireylerin \u015fube m\u00fcd\u00fcr\u00fc onayl\u0131 kredi veren bankalar\u0131 tercih etme nedeni alt\u0131nda daha kolayl\u0131kla ihtiya\u00e7lar\u0131na olumlu cevap alabilmesinden kaynaklanmaktad\u0131r.<\/p>\n<p>Bu nedenle \u015fube m\u00fcd\u00fcr\u00fc yetkisi dahilinde kredi veren bankalar\u0131n genel m\u00fcd\u00fcrl\u00fck yetkisi dahilinde kredi veren bankalara oranla kredi hacimleri daha b\u00fcy\u00fckt\u00fcr. <span style=\"text-decoration: underline; color: #ff0000;\">Bizimle ileti\u015fime ge\u00e7erek kredi dan\u0131\u015fmal\u0131\u011f\u0131 hizmeti alabilirsiniz.<\/span><\/p>\n<div class=\"merve6a2720b976132\" ><script async src=\"\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script>\n<!-- baglant\u0131 -->\n<ins class=\"adsbygoogle\"\n     style=\"display:block\"\n     data-ad-client=\"ca-pub-1834787164780493\"\n     data-ad-slot=\"2867061526\"\n     data-ad-format=\"link\"><\/ins>\n<script>\n(adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><\/div><style type=\"text\/css\">\r\n.merve6a2720b976132 {\r\nmargin: 5px; padding: 0px;\r\n}\r\n@media screen and (min-width: 1201px) {\r\n.merve6a2720b976132 {\r\ndisplay: block;\r\n}\r\n}\r\n@media screen and (min-width: 993px) and (max-width: 1200px) {\r\n.merve6a2720b976132 {\r\ndisplay: block;\r\n}\r\n}\r\n@media screen and (min-width: 769px) and (max-width: 992px) {\r\n.merve6a2720b976132 {\r\ndisplay: block;\r\n}\r\n}\r\n@media screen and (min-width: 768px) and (max-width: 768px) {\r\n.merve6a2720b976132 {\r\ndisplay: block;\r\n}\r\n}\r\n@media screen and (max-width: 767px) {\r\n.merve6a2720b976132 {\r\ndisplay: block;\r\n}\r\n}\r\n<\/style>\r\n","protected":false},"excerpt":{"rendered":"<p>Biz bireylerin neredeyse t\u00fcm ihtiya\u00e7lar\u0131na cevap verebilmek ad\u0131na kurulan kurumun ad\u0131d\u0131r banka.Kurum y\u00f6neticisi &#8220;M\u00fcd\u00fcr&#8221;\u00fcnvan\u0131yla an\u0131l\u0131r.Elindeki yetkiler neticesinde\u00a0 bulundu\u011fu kurumda en \u00fcst mertebede yer almaktad\u0131r.M\u00fc\u015fteri memnuniyetinin en \u00f6n planda oldu\u011fu bankalarda \u015fube m\u00fcd\u00fcr\u00fc yetkileri neticesinde yap\u0131labilecek i\u015flemler s\u0131n\u0131rl\u0131d\u0131r.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[2],"tags":[114],"_links":{"self":[{"href":"http:\/\/www.is-ilanlari.org\/acilpara\/wp-json\/wp\/v2\/posts\/264"}],"collection":[{"href":"http:\/\/www.is-ilanlari.org\/acilpara\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.is-ilanlari.org\/acilpara\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.is-ilanlari.org\/acilpara\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/www.is-ilanlari.org\/acilpara\/wp-json\/wp\/v2\/comments?post=264"}],"version-history":[{"count":1,"href":"http:\/\/www.is-ilanlari.org\/acilpara\/wp-json\/wp\/v2\/posts\/264\/revisions"}],"predecessor-version":[{"id":429,"href":"http:\/\/www.is-ilanlari.org\/acilpara\/wp-json\/wp\/v2\/posts\/264\/revisions\/429"}],"wp:attachment":[{"href":"http:\/\/www.is-ilanlari.org\/acilpara\/wp-json\/wp\/v2\/media?parent=264"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.is-ilanlari.org\/acilpara\/wp-json\/wp\/v2\/categories?post=264"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.is-ilanlari.org\/acilpara\/wp-json\/wp\/v2\/tags?post=264"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}