{"id":34423,"date":"2022-08-27T08:23:10","date_gmt":"2022-08-27T06:23:10","guid":{"rendered":"https:\/\/www.investglass.com\/?p=34423"},"modified":"2025-02-24T09:42:44","modified_gmt":"2025-02-24T08:42:44","slug":"finsa-nasil-uygulanir","status":"publish","type":"post","link":"https:\/\/www.investglass.com\/tr\/how-to-implement-finsa\/","title":{"rendered":"FINSA nas\u0131l uygulan\u0131r?"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><strong><em><span style=\"text-decoration: underline;\">BU BI\u0307R HUKUKI\u0307 TAVSI\u0307YE DE\u011eI\u0307LDI\u0307R - L\u00dcTFEN KENDI\u0307 HUKUK DANI\u015eMANINIZA DANI\u015eIN.<\/span><\/em><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">1 Ocak 2018 itibariyle \u0130svi\u00e7re'de Finansal Hizmetler Yasas\u0131 (FinSA) y\u00fcr\u00fcrl\u00fc\u011fe girmi\u015ftir (Federal Konsey yeni ayr\u0131nt\u0131lar\u0131 d\u00fczenleyecektir). Yeni yasa, eski Bankac\u0131l\u0131k Yasas\u0131n\u0131n yerini almakta ve \u0130svi\u00e7re'deki t\u00fcm finansal hizmet sa\u011flay\u0131c\u0131lar\u0131n\u0131 d\u00fczenlemektedir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">FinSA'n\u0131n temel amac\u0131, \u0130svi\u00e7re'de yaln\u0131zca nitelikli ve sayg\u0131n sa\u011flay\u0131c\u0131lar\u0131n finansal hizmetler sunmas\u0131n\u0131 sa\u011flayarak t\u00fcketicileri korumakt\u0131r. \u0130svi\u00e7re'de bir finansal hizmet sa\u011flay\u0131c\u0131s\u0131 olarak faaliyet g\u00f6sterebilmek i\u00e7in art\u0131k \u0130svi\u00e7re mali d\u00fczenleyicisi FINMA'dan bir lisans alman\u0131z gerekmektedir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">g\u00f6re\u00a0<a href=\"https:\/\/www.finma.ch\/en\/documentation\/legal-basis\/laws-and-ordinances\/finanzdienstleistungen\/?utm_source=chatgpt.com\">FINMA<\/a>, yakla\u015f\u0131k olarak\u00a0<strong>2,000 - 2,500<\/strong>\u00a0\u0130svi\u00e7re'deki finans \u015firketleri, 2020 y\u0131l\u0131nda y\u00fcr\u00fcrl\u00fc\u011fe girmesinden bu yana FinSA d\u00fczenlemelerinden etkilenmi\u015ftir. 2022 itibariyle, \u00fczerinde\u00a0<strong>1.500 finansal dan\u0131\u015fman<\/strong>\u00a0ile kay\u0131t yapt\u0131rm\u0131\u015f\u00a0<strong>Mali M\u00fc\u015favir Sicili (Beraterregister)<\/strong>\u00a0yeni gerekliliklere uyum sa\u011flamak i\u00e7in. A\u015fa\u011f\u0131dakileri a\u015fan varl\u0131klar\u0131 y\u00f6neten finansal hizmet sa\u011flay\u0131c\u0131lar\u0131\u00a0<strong>10 milyon \u0130svi\u00e7re Frang\u0131<\/strong>\u00a0(yakla\u015f\u0131k 11,2 milyon USD) FINMA'dan lisans almak zorundad\u0131r. FinSA'ya uyulmamas\u0131, a\u015fa\u011f\u0131dakilere varan cezalara neden olabilir\u00a0<strong>500,000 \u0130SVI\u00c7RE FRANGI<\/strong>\u00a0(yakla\u015f\u0131k 560.000 USD). Ayr\u0131ca, y\u00f6netmelik yat\u0131r\u0131mc\u0131 korumas\u0131n\u0131\u00a0<strong>4,5 milyon bireysel yat\u0131r\u0131mc\u0131<\/strong>\u00a0\u0130svi\u00e7re'de finansal \u00fcr\u00fcn ve hizmetlerde daha fazla \u015feffafl\u0131k sa\u011flayarak.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yaln\u0131zca titiz nitelikleri kar\u015f\u0131layan ve kat\u0131 kural ve d\u00fczenlemelere uyan sa\u011flay\u0131c\u0131lara FINMA taraf\u0131ndan lisans verilecektir. Peki bu m\u00fc\u015fteriler i\u00e7in ne anlama geliyor ve InvestGlass <a href=\"https:\/\/www.investglass.com\/tr\/bankalar-chatgpt-ve-roboti%cc%87k-surec-otomasyonu-rpa-i%cc%87le-neler-yapiyor\/\" target=\"_blank\" rel=\"noopener\" data-wpil-monitor-id=\"1099\">bu banka s\u00fcrecini otomatikle\u015ftirin<\/a>?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/pe_gzj5uvz0-1024x576.jpg\" alt=\"\" class=\"wp-image-34427\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/pe_gzj5uvz0-1024x576.jpg 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/pe_gzj5uvz0-300x169.jpg 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/pe_gzj5uvz0-768x432.jpg 768w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/pe_gzj5uvz0-1536x864.jpg 1536w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/pe_gzj5uvz0.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">First FINSA, g\u00fcveni art\u0131rmak i\u00e7in in\u015fa edilmi\u015ftir... M\u00fc\u015fteriler, \u0130svi\u00e7re'de finansal hizmetler sunmaya yaln\u0131zca lisansl\u0131 sa\u011flay\u0131c\u0131lar\u0131n yetkili oldu\u011fundan emin olabilirler. FINMA'dan lisans alan t\u00fcm sa\u011flay\u0131c\u0131lar, FINSA d\u00fczenlemelerine uygunlu\u011fu sa\u011flamak i\u00e7in d\u00fczenli denetimlere tabidir. M\u00fc\u015fteriler, lisansl\u0131 bir sa\u011flay\u0131c\u0131 ile i\u015f yapt\u0131klar\u0131nda sayg\u0131n bir sa\u011flay\u0131c\u0131 ile \u00e7al\u0131\u015ft\u0131klar\u0131ndan emin olabilirler.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Finansal Hizmetler Yasas\u0131 (FinSA) \u0130svi\u00e7re'deki t\u00fcm finansal hizmet sa\u011flay\u0131c\u0131lar\u0131 i\u00e7in ge\u00e7erlidir. Buna bankalar, sigorta \u015firketleri, varl\u0131k y\u00f6neticileri ve t\u00fcketicilere finansal hizmetler sa\u011flayan di\u011fer t\u00fcm \u015firketler dahildir. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">FinSA web sitesinde bankalar, \u0130svi\u00e7re Federal Finansal Hizmetler Yasas\u0131'ndan (FinSA) kaynaklanan en son gereklilikler ve 1 Ocak 2022'den itibaren bunlar\u0131 uygulamaya koymak i\u00e7in bankalar taraf\u0131ndan al\u0131nan \u00f6nlemler hakk\u0131nda bilgi vermektedir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu makalede, FinSa'n\u0131n temel y\u00f6nlerini ve InvestGlass CRM ve PMS'in bu zorluklar\u0131 nas\u0131l \u00e7\u00f6zd\u00fc\u011f\u00fcn\u00fc sunaca\u011f\u0131z. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-financial-sercices-act-finsa-definitions\">Finansal Hizmetler Yasas\u0131 FinSa - Tan\u0131mlar<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Finansal Hizmetler Yasas\u0131 kapsam\u0131nda finansal hizmetler \u015fu anlama gelmektedir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>finansal ara\u00e7lar\u0131n edinimi veya elden \u00e7\u0131kar\u0131lmas\u0131;<\/li>\n\n\n\n<li>finansal ara\u00e7lar i\u00e7in emirlerin al\u0131nmas\u0131 ve iletilmesi;<\/li>\n\n\n\n<li>finansal ara\u00e7lar\u0131n y\u00f6netimi ve iste\u011fe ba\u011fl\u0131 <a data-wpil-monitor-id=\"451\" href=\"https:\/\/www.investglass.com\/tr\/portfoyleri-yonetmek\/\" target=\"_blank\" rel=\"noopener\">portf\u00f6y y\u00f6neti\u0307mi\u0307<\/a> merkezi y\u00f6netim olarak da adland\u0131r\u0131l\u0131r;<\/li>\n\n\n\n<li>Yat\u0131r\u0131m tavsiyesi dedi\u011fimiz finansal ara\u00e7 i\u015flemlerine ili\u015fkin ki\u015fisel tavsiyelerin verilmesi;<\/li>\n\n\n\n<li>finansal ara\u00e7 i\u015flemlerini veya Lombard kredilerini finanse etmek i\u00e7in kredi verilmesi.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Bir finansal ara\u00e7, sahibine bir veya daha fazla dayanak varl\u0131k \u00fczerinde finansal bir \u00e7\u0131kar sa\u011flayan bir menkul k\u0131ymet veya di\u011fer s\u00f6zle\u015fmeye dayal\u0131 hak veya y\u00fck\u00fcml\u00fcl\u00fckt\u00fcr.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Al\u0131m sat\u0131m emirlerinin iletilmesi, ba\u015fka bir ki\u015fi ad\u0131na bir menkul k\u0131ymet sat\u0131n ald\u0131\u011f\u0131n\u0131zda veya satt\u0131\u011f\u0131n\u0131zda ger\u00e7ekle\u015fir. Bu, ba\u015fka bir ki\u015fi ad\u0131na bir menkul k\u0131ymet almak veya satmak i\u00e7in bir finans kurumuna emir vermeyi i\u00e7erir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ki\u015fisel finansal tavsiye, bireysel bir yat\u0131r\u0131mc\u0131ya verilen yat\u0131r\u0131m tavsiyesidir. Ki\u015fisel finansal tavsiyelerin yaln\u0131zca nitelikli ve kay\u0131tl\u0131 yat\u0131r\u0131m dan\u0131\u015fmanlar\u0131 taraf\u0131ndan verilmesi gerekti\u011fini unutmamak \u00f6nemlidir. lisanss\u0131z sa\u011flay\u0131c\u0131lar\u0131n ki\u015fisel finansal tavsiyelerde bulunmas\u0131na izin verilmez.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lombard kredileri, finansal ara\u00e7 i\u015flemlerini finanse etmek i\u00e7in verilen kredilerdir. Bu krediler genellikle iyi bir kredi ge\u00e7mi\u015fine sahip bireylere veya i\u015fletmelere verilir. Lombard kredileri k\u0131sa vadeli bir kredi t\u00fcr\u00fcd\u00fcr ve faiz oran\u0131 genellikle di\u011fer kredi t\u00fcrlerine g\u00f6re daha y\u00fcksektir.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/ohs6jmpuunm-1024x576.jpg\" alt=\"kahverengi ah\u015fap y\u00fczey \u00fczerinde konut kredisi bloklar\u0131\" class=\"wp-image-34428\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/ohs6jmpuunm-1024x576.jpg 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/ohs6jmpuunm-300x169.jpg 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/ohs6jmpuunm-768x432.jpg 768w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/ohs6jmpuunm-1536x864.jpg 1536w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/ohs6jmpuunm.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-and-financial-instruments-financial-services-are-regulated-with-finsa\">Ve finansal ara\u00e7lar, finansal hizmetler FinSA ile d\u00fczenlenmektedir:<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u00f6zkaynak menkul k\u0131ymetleri (hisseler, sahibine temett\u00fc hakk\u0131 ve\/veya oy hakk\u0131 veren kat\u0131l\u0131m sertifikalar\u0131 gibi hisseye e\u015fde\u011fer menkul k\u0131ymetler veya \u00f6zkaynak menkul k\u0131ymetlerine d\u00f6n\u00fc\u015ft\u00fcr\u00fclebilir menkul k\u0131ymetler);<\/li>\n\n\n\n<li>bor\u00e7lanma ara\u00e7lar\u0131: \u00f6zkaynak menkul k\u0131ymetleri olarak s\u0131n\u0131fland\u0131r\u0131lmayan menkul k\u0131ymetler;<\/li>\n\n\n\n<li>kolektif yat\u0131r\u0131m programlar\u0131ndaki birimler;<\/li>\n\n\n\n<li>yap\u0131land\u0131r\u0131lm\u0131\u015f \u00fcr\u00fcnler;<\/li>\n\n\n\n<li>t\u00fcrevleri;<\/li>\n\n\n\n<li>\u00f6zel yat\u0131r\u0131m yap\u0131lar\u0131;<\/li>\n\n\n\n<li>Faiz oran\u0131 bir faiz oran\u0131 endeksine ba\u011fl\u0131 olanlar hari\u00e7 olmak \u00fczere, itfa de\u011feri veya faiz oran\u0131 riske veya fiyata ba\u011fl\u0131 olan mevduatlar;<\/li>\n\n\n\n<li>tahviller: tek tip ko\u015fullara tabi genel bir kredideki birimler.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-the-financial-service-provider-will-inform-their-customers\">Finansal hizmet sa\u011flay\u0131c\u0131 m\u00fc\u015fterilerini nas\u0131l bilgilendirecek?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130svi\u00e7re Federal Finansal Hizmetler Yasas\u0131'nda belirtilen y\u00fck\u00fcml\u00fcl\u00fcklerin \u00e7o\u011fu kurumsal m\u00fc\u015fteri segmenti i\u00e7in ge\u00e7erli de\u011fildir. Mesleki deneyim ve bir kay\u0131t kurulu\u015fu alt\u0131nda d\u00fczenlenmi\u015f i\u015f bankay\u0131 korumaktad\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Perakende m\u00fc\u015fteriler i\u00e7in m\u00fc\u015fterinin korunmas\u0131 daha \u00f6nemlidir. \u0130htiyati denetim, banka taraf\u0131ndan yay\u0131nlanan ve bireysel m\u00fc\u015fterilere g\u00f6nderilen belgelerde d\u00fczenlenmi\u015ftir. Dan\u0131\u015fmanlar, bankac\u0131lar ve uyum g\u00f6revlileri de m\u00fc\u015fteri koruma e\u015fi\u011fine uygun olmayan portf\u00f6yleri g\u00f6zden ge\u00e7irmek i\u00e7in ilgili t\u00fcm bilgileri i\u00e7eren g\u00f6sterge tablolar\u0131ndan yararlanacakt\u0131r. InvestGlass bu belgeleri ve otomatik uyar\u0131lar\u0131 \u00fcretir.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/06\/investglass-riskindicator.jpeg\" alt=\"\" class=\"wp-image-32690\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/06\/investglass-riskindicator.jpeg 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/06\/investglass-riskindicator-300x225.jpeg 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/06\/investglass-riskindicator-768x576.jpeg 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">InvestGlass risk tespiti<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-general-information-and-financial-institutions-acts-should-be-disclosed\">Genel bilgiler ve finansal kurulu\u015flar\u0131n eylemleri a\u00e7\u0131klanmal\u0131d\u0131r<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Bankalar ve brokerler, \u0130svi\u00e7re taraf\u0131ndan denetlendiklerini kaydetmek ve g\u00f6stermek zorundad\u0131rlar. <a href=\"https:\/\/www.investglass.com\/tr\/en-etki%cc%87li%cc%87-5-fi%cc%87nansal-hi%cc%87zmet-pazarlama-tekni%cc%87gi%cc%87\/\" target=\"_blank\" rel=\"noopener\" data-wpil-monitor-id=\"452\">Finans Piyasas\u0131<\/a> Denetim Otoritesi \u201cFINMA. Daha fazla bilgi Laupenstrasse 27, CH-3003 Berne, \u0130svi\u00e7re adresinde veya www.finma.ch web sitesinde bulunabilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-financial-services-under-the-swiss-financial-services-act-finsa\">\u0130svi\u00e7re Finansal Hizmetler Yasas\u0131 (FinSA) kapsam\u0131nda finansal hizmetler<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Finansal kurulu\u015flar daha sonra perakende m\u00fc\u015fterilere, \u00f6zel m\u00fc\u015fterilere, kurumsal m\u00fc\u015fterilere, profesyonel m\u00fc\u015fterilere ve yabanc\u0131 m\u00fc\u015fterilere sunulan hizmetleri sunmal\u0131d\u0131r. \u00d6rne\u011fin :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0130ste\u011fe ba\u011fl\u0131 y\u00f6netim yetkisi - m\u00fc\u015fterilerin varl\u0131klar\u0131 bir model portf\u00f6y arac\u0131 ile y\u00f6netilecektir. Yat\u0131r\u0131m program\u0131 ve yeniden dengeleme standartla\u015ft\u0131r\u0131lm\u0131\u015ft\u0131r.<\/li>\n\n\n\n<li>T\u00fcm portf\u00f6yler i\u00e7in dan\u0131\u015fmanl\u0131k yat\u0131r\u0131m yetkileri, bir finans kurulu\u015funun bir m\u00fc\u015fteri i\u00e7in t\u00fcm yat\u0131r\u0131m kararlar\u0131n\u0131 vermeyi kabul etti\u011fi durumlard\u0131r. Bu, hangi menkul k\u0131ymetlerin al\u0131naca\u011f\u0131na veya sat\u0131laca\u011f\u0131na ve bu kararlar\u0131n ne zaman verilece\u011fine karar vermeyi i\u00e7erir. Dan\u0131\u015fmanl\u0131k i\u015flem yetkileri, bir finans kurulu\u015funun bir m\u00fc\u015fteri i\u00e7in belirli finansal ara\u00e7 i\u015flemleri hakk\u0131nda tavsiyelerde bulunmay\u0131 kabul etti\u011fi durumlard\u0131r. Burada dan\u0131\u015fmanl\u0131k departman\u0131, uygunlu\u011fu ve uygun uyumsuzluklar\u0131 tespit etmek i\u00e7in do\u011frudan CRM alanlar\u0131ndan gelen bilgileri FINSA s\u0131n\u0131fland\u0131rmas\u0131 ile toplayabilir. M\u00fc\u015fteri taraf\u0131ndan kabul edilirse, dan\u0131\u015fman Ge\u00e7ersiz K\u0131lma dedi\u011fimiz baz\u0131 istisnalar uygulayabilir. Bu ge\u00e7ersiz k\u0131lmalar toplan\u0131r ve \u0130leti\u015fim Raporuna kaydedilir.<\/li>\n\n\n\n<li>Menkul k\u0131ymetler i\u00e7in emirlerin al\u0131nmas\u0131 ve iletilmesi gibi ki\u015fisel finansal tavsiyeler d\u0131\u015f\u0131nda hizmetler sunan finansal kurulu\u015flar\u0131n bu bilgileri m\u00fc\u015fterilerine a\u00e7\u0131klamalar\u0131 gerekmektedir. Bu bro\u015f\u00fcr, Finansal Hizmetler Yasas\u0131 (FinSA) ve bankan\u0131n yeni d\u00fczenlemelere nas\u0131l uyaca\u011f\u0131 hakk\u0131nda genel bir bak\u0131\u015f sunmaktad\u0131r.<\/li>\n\n\n\n<li>Lombard kredisi k\u0131sa vadeli bir kredi t\u00fcr\u00fcd\u00fcr ve faiz oran\u0131 genellikle di\u011fer kredi t\u00fcrlerine g\u00f6re daha y\u00fcksektir.<\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"421\" height=\"207\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/appro_12ud7hs.png\" alt=\"\" class=\"wp-image-34431\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/appro_12ud7hs.png 421w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/appro_12ud7hs-300x148.png 300w\" sizes=\"(max-width: 421px) 100vw, 421px\" \/><figcaption class=\"wp-element-caption\">InvestGlass uygunluk tespiti<\/figcaption><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"h-who-is-the-mediation-body-of-the-financial-services-act\">Finansal hizmetler yasas\u0131n\u0131n Arabuluculuk kurumu kimdir?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Yat\u0131r\u0131mc\u0131lar \u0130svi\u00e7re Bankac\u0131l\u0131k Ombudsman\u0131 ile ileti\u015fime ge\u00e7mekte serbesttir. Bankalar\u0131n ba\u011fl\u0131 oldu\u011fu ve Bahnhofplatz 9, P.O. Box, CH-8021 Z\u00fcrih adresinde bulunan arabuluculuk kurumu, ombudsmanl\u0131k ofisidir. Arabuluculuk prosed\u00fcr\u00fc ve ilgili t\u00fcm bilgiler a\u015fa\u011f\u0131daki web sitesinde bulunabilir: www.bankingombudsman.ch. Arabuluculuk i\u015flemlerinden onlar sorumludur.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-which-client-segmentation-is-defined\">Hangi M\u00fc\u015fteri segmentasyonu tan\u0131mlanm\u0131\u015ft\u0131r?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130svi\u00e7re Federal Finansal Hizmetler Yasas\u0131 uyar\u0131nca, finansal hizmet sa\u011flay\u0131c\u0131lar\u0131 olarak bankalar ve brokerler, m\u00fc\u015fterilerinin her birini a\u015fa\u011f\u0131daki \u00fc\u00e7 segmentten birine atamak zorundad\u0131r:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u00f6zel yayg\u0131n olarak perakende m\u00fc\u015fteriler olarak adland\u0131r\u0131l\u0131r,<\/li>\n\n\n\n<li>profesyonel m\u00fc\u015fteriler veya kurumsal yat\u0131r\u0131mc\u0131lar<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Bu s\u0131n\u0131fland\u0131rma a\u015fa\u011f\u0131daki ilkeler temelinde yap\u0131l\u0131r:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u00d6zel m\u00fc\u015fteriler, ne profesyonel ne de kurumsal yat\u0131r\u0131mc\u0131 olan m\u00fc\u015fterilerdir;<\/li>\n\n\n\n<li>Profesyonel m\u00fc\u015fteriler, profesyonel hazine operasyonlar\u0131 olan \u015firketler, mesleki emeklilik kurumlar\u0131 ve kamu hukuku kurumlar\u0131 gibi finansal alanlarda y\u00fcksek d\u00fczeyde bilgi ve deneyime sahip m\u00fc\u015fterilerdir;<\/li>\n\n\n\n<li>Kurumsal m\u00fc\u015fteriler, bankalar, kolektif yat\u0131r\u0131m planlar\u0131, sigorta \u015firketleri ve \u0130svi\u00e7re'de veya yurtd\u0131\u015f\u0131nda ihtiyati denetime tabi olan di\u011fer finansal arac\u0131lar gibi stat\u00fcleri, yap\u0131lar\u0131 ve finansal kaynaklar\u0131 nedeniyle finansal alanlarda y\u00fcksek d\u00fczeyde sofistikasyona sahip oldu\u011fu kabul edilen m\u00fc\u015fterilerdir.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Bu tan\u0131m bir bankadan di\u011ferine biraz farkl\u0131 olabilir. Profesyonel m\u00fc\u015fteriler, bilgi ve deneyim d\u00fczeyleri ve finansal kay\u0131plara katlanma kabiliyetleri nedeniyle Bireysel m\u00fc\u015fterilere g\u00f6re daha d\u00fc\u015f\u00fck d\u00fczeyde yat\u0131r\u0131mc\u0131 korumas\u0131na sahip sofistike yat\u0131r\u0131mc\u0131lar olarak kabul edilir.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6zel m\u00fc\u015fteriler, Finansal Hizmetler Yasas\u0131 (FinSA) kapsam\u0131nda en \u00fcst d\u00fczeyde korumaya sahiptir. Bu m\u00fc\u015fteriler, ne profesyonel ne de kurumsal yat\u0131r\u0131mc\u0131 olan m\u00fc\u015fteriler olarak tan\u0131mlanmaktad\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Koruma seviyesindeki azalma ve s\u0131n\u0131fland\u0131rman\u0131n profesyonel m\u00fc\u015fteri veya kurumsal m\u00fc\u015fteri olarak de\u011fi\u015ftirilmesi, m\u00fc\u015fteri korumas\u0131n\u0131 de\u011fi\u015ftirmektedir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6zel veya profesyonel olarak s\u0131n\u0131fland\u0131r\u0131lan m\u00fc\u015fteriler daha d\u00fc\u015f\u00fck bir koruma seviyesi sunan bir segmentte s\u0131n\u0131fland\u0131r\u0131lmak isterlerse ve bu konuda belirtilen ko\u015fullar\u0131 yerine getirirlerse, bankac\u0131lar\u0131n\u0131 veya sat\u0131\u015flar\u0131n\u0131 bilgilendirmelidirler. Onlara s\u0131n\u0131fland\u0131rma i\u00e7in bir vazge\u00e7me formu sa\u011flayacakt\u0131r. Bu, uygunlu\u011fu ve uygunlu\u011fu etkileyecektir <a href=\"https:\/\/www.investglass.com\/tr\/portfoy-stres-testleri\/\" target=\"_blank\" rel=\"noopener\" data-wpil-monitor-id=\"453\">portf\u00f6y y\u00f6netiminden test<\/a> arac\u0131 ve CRM etkile\u015fimi de farkl\u0131 olacakt\u0131r.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/06\/investglass-crm.jpeg\" alt=\"\" class=\"wp-image-32677\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/06\/investglass-crm.jpeg 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/06\/investglass-crm-300x225.jpeg 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/06\/investglass-crm-768x576.jpeg 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">InvestGlass CRM<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-verification-of-suitability-and-appropriateness-is-the-core-added-value-of-the-investglass-swiss-cloud-solution\">Uygunluk ve yerindelik do\u011frulamas\u0131 InvestGlass \u0130svi\u00e7re Bulut \u00c7\u00f6z\u00fcm\u00fcn\u00fcn temel katma de\u011feridir<\/h2>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\"><\/h2>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-discretionary-asset-management-mandates\">\u0130ste\u011fe ba\u011fl\u0131 varl\u0131k y\u00f6netimi yetkileri<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Bir m\u00fc\u015fterinin Bankaya ihtiyari varl\u0131k y\u00f6netimi yetkisi vermesi halinde, Banka a\u015fa\u011f\u0131daki hususlar\u0131 sa\u011flar <em>yatirim strateji\u0307si\u0307<\/em> m\u00fc\u015fterinin risk profili g\u00f6z \u00f6n\u00fcnde bulunduruldu\u011funda, m\u00fc\u015fterinin se\u00e7ti\u011fi yat\u0131r\u0131m\u0131n uygun oldu\u011funu kabul eder. Risk profili, ili\u015fkide kilit bir fakt\u00f6rd\u00fcr ve m\u00fc\u015fterinin ki\u015fisel ko\u015fullar\u0131, yat\u0131r\u0131m hedefleri ve risk i\u015ftah\u0131 hakk\u0131nda iletti\u011fi bilgilere dayan\u0131r. Banka'n\u0131n m\u00fc\u015fterinin ihtiya\u00e7lar\u0131n\u0131 anlamas\u0131n\u0131 ve bu ihtiya\u00e7lar\u0131 en iyi \u015fekilde kar\u015f\u0131layan bir yat\u0131r\u0131m stratejisi \u00f6nermesini sa\u011flar. Bu nedenle, m\u00fc\u015fterilerin eksiksiz ve do\u011fru bilgiler iletmesi \u00e7ok \u00f6nemlidir. Risk profili, m\u00fc\u015fteri ile birlikte Banka taraf\u0131ndan d\u00fczenli olarak g\u00f6zden ge\u00e7irilir. Bu uygunluk unsurlar\u0131, ilk olarak CRM i\u00e7indeki t\u00fcm sonu\u00e7lar\u0131 kaydeden InvetGlass Dijital onbaording formlar\u0131ndan kaydedilir.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"799\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/edit-custom_ztqvqh-1-1024x799.png\" alt=\"\" class=\"wp-image-34432\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/edit-custom_ztqvqh-1-1024x799.png 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/edit-custom_ztqvqh-1-300x234.png 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/edit-custom_ztqvqh-1-768x599.png 768w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/edit-custom_ztqvqh-1.png 1118w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">InvestGlass CRM FINSA otomasyonu i\u00e7in geli\u015ftirilmi\u015ftir<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-advisory-mandates-for-an-entire-portfolio\">T\u00fcm portf\u00f6y i\u00e7in dan\u0131\u015fmanl\u0131k yetkileri<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">T\u00fcm portf\u00f6ylere y\u00f6nelik dan\u0131\u015fmanl\u0131k yetkileri i\u00e7in banka, yat\u0131r\u0131m stratejisinin ihtiyari varl\u0131k y\u00f6netimi yetkilerinde oldu\u011fu gibi uygun olmas\u0131n\u0131 sa\u011flar.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Banka taraf\u0131ndan sunulan bir finansal araca ili\u015fkin t\u00fcm yat\u0131r\u0131m tavsiyeleri ile ilgili olarak, Banka \u00f6ncelikle finansal arac\u0131n \u00fczerinde mutab\u0131k kal\u0131nan yat\u0131r\u0131m stratejisi a\u00e7\u0131s\u0131ndan uygun olup olmad\u0131\u011f\u0131n\u0131 ve ikinci olarak da m\u00fc\u015fterinin ilgili ara\u00e7la ba\u011flant\u0131l\u0131 riskleri anlamak i\u00e7in yeterli bilgiye sahip olup olmad\u0131\u011f\u0131n\u0131 kontrol eder (uygunlu\u011fun do\u011frulanmas\u0131). Gerekti\u011finde Banka, finansal arac\u0131n m\u00fc\u015fterinin \u00f6zel durumu i\u00e7in uygun veya elveri\u015fli olmamas\u0131 halinde m\u00fc\u015fterisini uyar\u0131r. Bu fakt\u00f6rler Banka taraf\u0131ndan belgelenir. <a href=\"https:\/\/www.investglass.com\/tr\/kendi%cc%87-ozel-bankanizi-nasil-kurarsiniz\/\" target=\"_blank\" rel=\"noopener\" data-wpil-monitor-id=\"454\">Bankas\u0131 i\u00e7in \u00f6zel<\/a> M\u00fc\u015fteriler.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/06\/investglass-healthcheck-portfolio.jpeg\" alt=\"\" class=\"wp-image-32682\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/06\/investglass-healthcheck-portfolio.jpeg 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/06\/investglass-healthcheck-portfolio-300x225.jpeg 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/06\/investglass-healthcheck-portfolio-768x576.jpeg 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">InvestGlass sa\u011fl\u0131k kontrol\u00fc<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-advisory-transaction-mandates\">Dan\u0131\u015fmanl\u0131k i\u015flem yetkileri<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Bir m\u00fc\u015fterinin Banka taraf\u0131ndan sunulan bir finansal ara\u00e7ta i\u015flem yapmak i\u00e7in talep etti\u011fi tavsiyeyle ilgili olarak, Banka m\u00fc\u015fterinin s\u00f6z konusu finansal ara\u00e7la ba\u011flant\u0131l\u0131 riskleri anlay\u0131p anlayamad\u0131\u011f\u0131n\u0131 kontrol eder. Gerekirse Banka, finansal arac\u0131n m\u00fc\u015fterinin \u00f6zel durumu i\u00e7in uygun olmamas\u0131 halinde m\u00fc\u015fterisini uyar\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ancak, bir dan\u0131\u015fmanl\u0131k i\u015flemi yetkisi s\u00f6z konusu oldu\u011funda, Banka, m\u00fc\u015fterinin risk profilini veya m\u00fc\u015fterinin portf\u00f6y\u00fcn\u00fc bilmedi\u011fi i\u00e7in i\u015flemin uygun olup olmad\u0131\u011f\u0131n\u0131 kontrol etmez.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-transaction-execution-without-advice\">\u0130\u015flem y\u00fcr\u00fctme (tavsiye olmadan)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Banka, iste\u011fe ba\u011fl\u0131 bir varl\u0131k y\u00f6netimi yetkisi veya dan\u0131\u015fmanl\u0131k yetkisinin bulunmad\u0131\u011f\u0131 durumlarda, \u00f6zel m\u00fc\u015fteri veya profesyonel m\u00fc\u015fteri s\u0131n\u0131fland\u0131rmas\u0131na bak\u0131lmaks\u0131z\u0131n, bir m\u00fc\u015fteri taraf\u0131ndan iletilen finansal ara\u00e7lara ili\u015fkin bir emri yerine getirirken uygunluk veya yerindelik kontrol\u00fc yapmaz). Tavsiye olmaks\u0131z\u0131n i\u015flem ger\u00e7ekle\u015ftirilmesi durumunda, Banka, m\u00fc\u015fterinin \u00f6zel, profesyonel veya kurumsal olmas\u0131na bak\u0131lmaks\u0131z\u0131n, Banka'n\u0131n hi\u00e7bir uygunluk veya yerindelik kontrol\u00fc yapmad\u0131\u011f\u0131na m\u00fc\u015fterisinin dikkatini a\u00e7\u0131k\u00e7a \u00e7eker. Banka bu uyar\u0131y\u0131 s\u00f6zle\u015fme ili\u015fkisinin daha sonraki herhangi bir a\u015famas\u0131nda tekrarlamaz.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-clients-acting-through-an-external-asset-manager-gerant-independant-ifa\">Harici bir varl\u0131k y\u00f6neticisi arac\u0131l\u0131\u011f\u0131yla hareket eden m\u00fc\u015fteriler (G\u00e9rant ind\u00e9pendant, IFA)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Bir m\u00fc\u015fterinin bankaya emanet etti\u011fi varl\u0131klar\u0131 y\u00f6netmek i\u00e7in harici bir varl\u0131k y\u00f6neticisi atamas\u0131 durumunda, Banka bir saklama bankas\u0131 olarak hareket eder ve m\u00fc\u015fteri taraf\u0131ndan harici y\u00f6neticiye verilen vekaletnameye dayanarak m\u00fc\u015fteri veya harici y\u00f6neticisi taraf\u0131ndan iletilen yat\u0131r\u0131m emirlerini gerekti\u011fi \u015fekilde yerine getirir.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/dowrnum2di0-1024x683.jpg\" alt=\"macbook kullanan siyah g\u00f6mlekli kad\u0131n\" class=\"wp-image-34429\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/dowrnum2di0-1024x683.jpg 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/dowrnum2di0-300x200.jpg 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/dowrnum2di0-768x512.jpg 768w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/dowrnum2di0-1536x1024.jpg 1536w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/dowrnum2di0.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">InvestGlass m\u00fc\u015fteri etkile\u015fimini kolay ve sorunsuz hale getirir<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-appropriateness-in-the-event-of-a-lombard-loan-application\">Lombard kredi ba\u015fvurusu durumunda uygunluk<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Banka, Lombard kredilerinin kullan\u0131m\u0131na ili\u015fkin spesifik riskler hakk\u0131nda bilgi sa\u011flayacakt\u0131r. Profesyonel m\u00fc\u015fterilerin veya \u00f6zel m\u00fc\u015fterilerin iste\u011fe ba\u011fl\u0131 varl\u0131k y\u00f6netimi yetkisi veya dan\u0131\u015fmanl\u0131k yetkisi varsa, Banka ayr\u0131ca istedikleri kredi tutar\u0131n\u0131n uygun olup olmad\u0131\u011f\u0131 konusunda tavsiyede bulunacakt\u0131r. Kredi tutar\u0131 nedeniyle risk profili art\u0131k ba\u015flang\u0131\u00e7ta kararla\u015ft\u0131r\u0131lan risk profiline uymuyorsa, Banka m\u00fc\u015fteriyi bilgilendirecek ve alternatif \u00e7\u00f6z\u00fcmleri incelemek i\u00e7in durumu m\u00fc\u015fterisiyle birlikte inceleyecektir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-financial-relationships-with-third-parties-and-management-companies\">\u00dc\u00e7\u00fcnc\u00fc taraflar ve y\u00f6netim \u015firketleri ile finansal ili\u015fkiler<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Dan\u0131\u015fmanl\u0131k i\u015flem yetkileri veya tavsiye olmaks\u0131z\u0131n i\u015flem ger\u00e7ekle\u015ftirme hizmetleri s\u00f6z konusu oldu\u011funda, banka kolektif yat\u0131r\u0131m planlar\u0131n\u0131n sat\u0131n al\u0131nmas\u0131yla ilgili olarak \u00fc\u00e7\u00fcnc\u00fc taraf \u015firketlerden \u00f6demeler alacakt\u0131r. Banka bu tutarlar\u0131 muhafaza eder ve ald\u0131\u011f\u0131 \u00fccretin t\u00fcr\u00fc ve miktar\u0131 hakk\u0131nda m\u00fc\u015fteriyi bilgilendirir. Bu nedenle, b\u00fcy\u00fck miktarda bilginin aktar\u0131lmas\u0131n\u0131 kolayla\u015ft\u0131rmak i\u00e7in bir m\u00fc\u015fteri portal\u0131na ihtiya\u00e7 duyulmaktad\u0131r. InvestGlass, \u00f6rne\u011fin yap\u0131land\u0131r\u0131lm\u0131\u015f \u00fcr\u00fcn bilgilerinin kaydedilmesi i\u00e7in kullan\u0131labilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">E\u011fer m\u00fc\u015fteri takdir yetkisi vermi\u015fse <a href=\"https:\/\/www.investglass.com\/tr\/esg-i%cc%87ci%cc%87n-portfoy-yoneti%cc%87mi%cc%87\/\" target=\"_blank\" rel=\"noopener\" data-wpil-monitor-id=\"455\">t\u00fcm bir portf\u00f6y i\u00e7in varl\u0131k y\u00f6netimi yetkisi veya dan\u0131\u015fmanl\u0131k yetkisi<\/a>, Banka bu t\u00fcr \u00f6demeleri almaz veya ba\u015fka bir \u015fekilde m\u00fc\u015fteriye t\u00fcm\u00fcyle iade eder. Yeniden kredilendirilen tutarlar, portf\u00f6y y\u00f6netimi g\u00f6r\u00fcn\u00fcm\u00fc i\u00e7indeki y\u0131ll\u0131k hesap \u00f6zetinde g\u00f6sterilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Portf\u00f6y g\u00f6r\u00fcn\u00fcm\u00fc, profesyonel m\u00fc\u015fteri veya perakende m\u00fc\u015fteri ihtiya\u00e7lar\u0131na uyacak \u015fekilde \u00f6zelle\u015ftirilebilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-best-execution-of-client-orders\">M\u00fc\u015fteri emirlerinin en iyi \u015fekilde yerine getirilmesi<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Banka, m\u00fc\u015fteri emirlerinin yerine getirilmesinde m\u00fcmk\u00fcn olan en iyi sonucu elde etmek i\u00e7in gerekli t\u00fcm \u00f6nlemleri alm\u0131\u015ft\u0131r; bu, fiyat, maliyet, h\u0131z, ger\u00e7ekle\u015fme ve uzla\u015fma olas\u0131l\u0131\u011f\u0131, b\u00fcy\u00fckl\u00fck, emrin niteli\u011fi veya ger\u00e7ekle\u015ftirme fakt\u00f6rleri dedi\u011fimiz emrin yerine getirilmesiyle ilgili di\u011fer hususlar a\u00e7\u0131s\u0131ndan olabilir. InvestGlass \u00fc\u00e7\u00fcnc\u00fc taraf emir y\u00f6netim sistemi arac\u0131 ile ba\u011flant\u0131l\u0131d\u0131r. Bu \u00f6nlemler, bir emrin Banka taraf\u0131ndan ger\u00e7ekle\u015ftirilip ger\u00e7ekle\u015ftirilmedi\u011fine veya ger\u00e7ekle\u015ftirilmek \u00fczere \u00fc\u00e7\u00fcnc\u00fc bir tarafa iletilip iletilmedi\u011fine bak\u0131lmaks\u0131z\u0131n uygulan\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Genel bir kural olarak, m\u00fcmk\u00fcn olan en iyi sonucu garanti etmek i\u00e7in fiyat ve maliyetlere \u00f6zellikle dikkat edilir. Ancak, belirli emirler, finansal ara\u00e7lar, piyasalar veya piyasa ko\u015fullar\u0131 i\u00e7in, di\u011fer uygulama fakt\u00f6rleri e\u015fit derecede \u00f6nemli olabilir veya m\u00fcmk\u00fcn olan en iyi uygulamay\u0131 sa\u011flamak i\u00e7in fiyattan \u00f6ncelikli olabilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-basic-factsheet-and-collective-investment-schemes-act-nbsp-cisa\">Temel bilgi formu ve Kolektif Yat\u0131r\u0131m Programlar\u0131 Yasas\u0131 CISA<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Temel bilgi formu, temel bilgi dok\u00fcman\u0131 (veya Avrupa mevzuat\u0131 ve y\u00f6netmeliklerine uygun olarak yay\u0131nlanan e\u015fde\u011feri), a\u015fa\u011f\u0131dakiler de dahil olmak \u00fczere belirli finansal ara\u00e7lar\u0131n temel unsurlar\u0131 hakk\u0131nda bilgi i\u00e7erir:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">- enstr\u00fcman\u0131n ad\u0131;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">- yat\u0131r\u0131m t\u00fcr\u00fc;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">- yat\u0131r\u0131mla ili\u015fkili riskler;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">- Bir sorun olmas\u0131 durumunda yetkili makamla nas\u0131l ileti\u015fime ge\u00e7ilece\u011fi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Avrupa KIID fonu, sizin i\u00e7in gerekli t\u00fcm bilgileri i\u00e7erir <a href=\"https:\/\/www.investglass.com\/tr\/esg-ve-surdurulebi%cc%87li%cc%87r-fi%cc%87nansman-bi%cc%87lmeni%cc%87z-gerekenler\/\" target=\"_blank\" rel=\"noopener\" data-wpil-monitor-id=\"456\">bilmeniz gerekenler<\/a> \u00dcr\u00fcn\u00fcn ad\u0131, yat\u0131r\u0131m t\u00fcr\u00fc, yat\u0131r\u0131mla ili\u015fkili riskler ve bir sorun olmas\u0131 durumunda yetkili makamla nas\u0131l ileti\u015fime ge\u00e7ilece\u011fi de dahil olmak \u00fczere bir finansal \u00fcr\u00fcn hakk\u0131nda.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kolektif Yat\u0131r\u0131m Programlar\u0131 Yasas\u0131 CISA, yat\u0131r\u0131mc\u0131lar\u0131n \u00e7ok \u00e7e\u015fitli varl\u0131klara yat\u0131r\u0131m yapmak i\u00e7in paralar\u0131n\u0131 di\u011fer yat\u0131r\u0131mc\u0131larla bir araya getirmelerine olanak tan\u0131yan yat\u0131r\u0131m \u00fcr\u00fcnleridir. Bu planlar a\u00e7\u0131k u\u00e7lu veya kapal\u0131 u\u00e7lu olabilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ayr\u0131ca, \u015funu da bilmek isteyebilirsiniz <a href=\"https:\/\/www.investglass.com\/tr\/bankacilar-i%cc%87ngi%cc%87lterede-emekli%cc%87li%cc%87k-omur-boyu-odenegi%cc%87ni%cc%87-nasil-yonetebi%cc%87li%cc%87r\/\" target=\"_blank\" rel=\"noopener\" data-wpil-monitor-id=\"457\">mesleki\u0307 emekli\u0307li\u0307k varliklarinin y\u00f6neti\u0307ci\u0307leri\u0307<\/a> Daha \u00f6nce Mesleki Emeklilik Denetleme Komisyonu (OPSC) taraf\u0131ndan denetlenen planlar art\u0131k FINMA taraf\u0131ndan denetlenecektir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass ileti\u015fim raporlar\u0131, bu KIID ve temel bilgi formlar\u0131n\u0131 saklamak i\u00e7in olu\u015fturulmu\u015ftur. InvestGlass CRM - Kampanya arac\u0131 m\u00fc\u015fterinize, m\u00fc\u015fteri dosyas\u0131nda saklanacak KIID ve temel bilgi formunun PDF'sini i\u00e7eren bir e-posta g\u00f6nderecektir.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/06\/investglass-email-marketing.jpeg\" alt=\"\" class=\"wp-image-32681\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/06\/investglass-email-marketing.jpeg 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/06\/investglass-email-marketing-300x225.jpeg 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/06\/investglass-email-marketing-768x576.jpeg 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">InvestGlass E-posta ve Kampanya<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-risks-associated-with-financial-instruments-and-finsa\">Finansal ara\u00e7lar ve FINSA ile ili\u015fkili riskler<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Banka, t\u00fcm m\u00fc\u015fterilerini finansal ara\u00e7larla ba\u011flant\u0131l\u0131 riskler konusunda bilgilendirmelidir. \u0130svi\u00e7re Bankalar Birli\u011fi taraf\u0131ndan haz\u0131rlanan \u201cFinansal ara\u00e7lar\u0131n al\u0131m sat\u0131m\u0131nda kar\u015f\u0131la\u015f\u0131lan riskler\u201d adl\u0131 bro\u015f\u00fcr, bireysel m\u00fc\u015fterilere ve profesyonel m\u00fc\u015fterilere hesaplar\u0131 a\u00e7\u0131ld\u0131\u011f\u0131nda ve talep \u00fczerine her zaman verilir. Bu bilgiler ayr\u0131ca \u0130svi\u00e7re Bankalar Birli\u011fi'nin a\u015fa\u011f\u0131daki adresteki internet sitesinde de mevcuttur: www.swissbanking.ch\/en\/downloads<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ayr\u0131ca Banka, t\u00fcm m\u00fc\u015fterilerine belirli finansal ara\u00e7lara ili\u015fkin riskleri \u00f6zetleyen \u201cStandartla\u015ft\u0131r\u0131lm\u0131\u015f ve standartla\u015ft\u0131r\u0131lmam\u0131\u015f t\u00fcrev \u00fcr\u00fcnler\/yap\u0131land\u0131r\u0131lm\u0131\u015f \u00fcr\u00fcnler ve \u00f6zel riskli yat\u0131r\u0131m fonlar\u0131 i\u015flemlerine ili\u015fkin riskler hakk\u0131nda bilgilendirme\u201d bro\u015f\u00fcr\u00fcn\u00fc de sunmaktad\u0131r. Bu bro\u015f\u00fcr <a href=\"https:\/\/www.investglass.com\/tr\/ozel-banka-i%cc%87ci%cc%87n-crm\/\" target=\"_blank\" rel=\"noopener\" data-wpil-monitor-id=\"1291\">banka CRM'de de saklamal\u0131d\u0131r<\/a> \u0130svi\u00e7re Federal Finansal Hizmetler Yasas\u0131'nda belirtilen y\u00fck\u00fcml\u00fcl\u00fcklerin \u00e7o\u011fu bu profesyonel-m\u00fc\u015fteri segmenti i\u00e7in ge\u00e7erli olmasa bile, m\u00fc\u015fterinin ki\u015fisel e\u011fitimi, mesleki deneyimi veya finans sekt\u00f6r\u00fcnde kar\u015f\u0131la\u015ft\u0131r\u0131labilir deneyimi.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-information-on-costs-and-charges\"><strong>Masraflar ve \u00fccretler hakk\u0131nda bilgi<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass portf\u00f6y y\u00f6netim ara\u00e7lar\u0131 ile bankalar ve brokerler, sa\u011flad\u0131\u011f\u0131 finansal hizmetlerle ba\u011flant\u0131l\u0131 t\u00fcm maliyetleri ve \u00fccretleri iletebilir. \u00dccret tarifesi, ilgili hizmet sa\u011flanmadan \u00f6nce t\u00fcm yeni m\u00fc\u015fterilere sa\u011flanan bir belgede yer al\u0131r. Belge her zaman talep \u00fczerine temin edilebilir. \u0130leti\u015fim, SMS, E-posta veya InvestGlass m\u00fc\u015fteri portal\u0131 arac\u0131l\u0131\u011f\u0131yla \u00f6zel m\u00fc\u015fteriyle payla\u015f\u0131labilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass, gerekli t\u00fcm bilgi ve belgeleri i\u00e7eren bir CRM sa\u011flayarak FINSA s\u00fcrecinin otomatikle\u015ftirilmesine yard\u0131mc\u0131 olabilir. <a href=\"https:\/\/www.investglass.com\/tr\/finsa-icin-crm\/\">InvestGlass'\u0131n CRM'i <\/a>bilgi toplama ve d\u00fczenleme s\u00fcrecini kolayla\u015ft\u0131rmak i\u00e7in tasarlanm\u0131\u015ft\u0131r ve FINSA uyumlulu\u011funu y\u00f6netmeyi kolayla\u015ft\u0131ran \u00e7ok say\u0131da \u00f6zellik i\u00e7erir. \u00d6rne\u011fin, InvestGlass kullan\u0131c\u0131lar\u0131n m\u00fc\u015fterilerle olan etkile\u015fimlerini takip etmelerine, m\u00fc\u015fteri belgelerini y\u00f6netmelerine ve raporlar olu\u015fturmalar\u0131na olanak tan\u0131r. Buna ek olarak, InvestGlass'\u0131n CRM'i FINSA'n\u0131n \u00e7evrimi\u00e7i dosyalama sistemi ile entegre edilmi\u015ftir ve uyumlu raporlar\u0131n dosyalanmas\u0131n\u0131 kolayla\u015ft\u0131r\u0131r. Sonu\u00e7 olarak InvestGlass, FINSA gerekliliklerine uyma s\u00fcrecini \u00f6nemli \u00f6l\u00e7\u00fcde basitle\u015ftirebilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em><span style=\"text-decoration: underline;\">BU BI\u0307R HUKUKI\u0307 TAVSI\u0307YE DE\u011eI\u0307LDI\u0307R - L\u00dcTFEN KENDI\u0307 HUKUK DANI\u015eMANINIZA DANI\u015eIN.<\/span><\/em><\/strong><\/p>","protected":false},"excerpt":{"rendered":"<p>THIS IS NOT A LEGAL ADVICE &#8211; PLEASE CONSULT YOUR OWN LEGAL ADVISOR. As of January 1, 2018, the Financial Services Act (FinSA) came into effect in Switzerland (Federal Council shall regulate new details). The new act replaces the old Banking Act and regulates all financial services providers in Switzerland. The main purpose of the [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":34424,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[288,295,296,72],"class_list":["post-34423","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article","tag-client-life-cycle","tag-fidleg","tag-financial-services-act","tag-finsa"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.8 (Yoast SEO v28.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How to implement FINSA? | InvestGlass<\/title>\n<meta name=\"description\" content=\"Only FINMA-approved providers get licensed. See how InvestGlass automates compliance for banks.\" \/>\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.investglass.com\/tr\/finsa-nasil-uygulanir\/\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to implement FINSA?\" \/>\n<meta property=\"og:description\" content=\"THIS IS NOT A LEGAL ADVICE - PLEASE CONSULT YOUR OWN LEGAL ADVISOR. As of January 1, 2018, the Financial Services Act (FinSA) came into effect in\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.investglass.com\/tr\/finsa-nasil-uygulanir\/\" \/>\n<meta property=\"og:site_name\" content=\"InvestGlass\" \/>\n<meta property=\"article:published_time\" content=\"2022-08-27T06:23:10+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-02-24T08:42:44+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/cpg4m2ab0e.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"1067\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"InvestGlass\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@investglass\" \/>\n<meta name=\"twitter:site\" content=\"@investglass\" \/>\n<meta name=\"twitter:label1\" content=\"Yazan:\" \/>\n\t<meta name=\"twitter:data1\" content=\"InvestGlass\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tahmini okuma s\u00fcresi\" \/>\n\t<meta name=\"twitter:data2\" content=\"15 dakika\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"FINSA nas\u0131l uygulan\u0131r? | InvestGlass","description":"Yaln\u0131zca FINMA onayl\u0131 sa\u011flay\u0131c\u0131lar lisans al\u0131r. InvestGlass'\u0131n bankalar i\u00e7in uyumlulu\u011fu nas\u0131l otomatikle\u015ftirdi\u011fini g\u00f6r\u00fcn.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.investglass.com\/tr\/finsa-nasil-uygulanir\/","og_locale":"tr_TR","og_type":"article","og_title":"How to implement FINSA?","og_description":"THIS IS NOT A LEGAL ADVICE - PLEASE CONSULT YOUR OWN LEGAL ADVISOR. 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