{"id":796,"date":"2026-07-31T18:18:24","date_gmt":"2026-07-31T15:18:24","guid":{"rendered":"https:\/\/sigorta.nesiblog.com\/?p=796"},"modified":"2026-07-31T18:18:24","modified_gmt":"2026-07-31T15:18:24","slug":"seddkdan-kefalet-sigortasinda-risk-yonetimine-yeni-duzenleme","status":"publish","type":"post","link":"https:\/\/sigorta.nesiblog.com\/?p=796","title":{"rendered":"SEDDK\u2019dan kefalet sigortas\u0131nda risk y\u00f6netimine yeni d\u00fczenleme"},"content":{"rendered":"<h4 class=\"wp-block-heading\"><strong>Sigortac\u0131l\u0131k ve \u00d6zel Emeklilik D\u00fczenleme ve Denetleme Kurumu (SEDDK), kefalet sigortas\u0131nda risk kabul\u00fc ve y\u00f6netimine ili\u015fkin usul ve esaslar\u0131 yeniden belirledi. 1 Ocak 2027\u2019de y\u00fcr\u00fcrl\u00fc\u011fe girecek Genelge ile risk gruplar\u0131n\u0131n belirlenmesinden teminat ve g\u00fcvencelerin s\u0131n\u0131fland\u0131r\u0131lmas\u0131na, finansal risk y\u00f6netiminden elektronik kefalet uygulamalar\u0131na kadar bir\u00e7ok alanda yeni kurallar getirildi.\u00a0<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Sigortac\u0131l\u0131k ve \u00d6zel Emeklilik D\u00fczenleme ve Denetleme Kurumu (SEDDK),\u00a0\u201cKefalet Sigortas\u0131nda Risk Kabul ve Y\u00f6netimine \u0130li\u015fkin Genelge\u201dyi (2026\/23)\u00a0yay\u0131mlad\u0131. D\u00fczenleme, do\u011frudan ve dolayl\u0131 kefalet sigortas\u0131 bran\u015f\u0131nda faaliyet g\u00f6steren sigorta \u015firketlerinin risk kabul ve y\u00f6netim s\u00fcre\u00e7lerine ili\u015fkin usul ve esaslar\u0131 yeniden belirliyor. Bina tamamlama sigortas\u0131 kapsam\u0131nda verilen teminatlar ise teminat ve g\u00fcvence s\u0131n\u0131fland\u0131rmas\u0131na ili\u015fkin h\u00fck\u00fcmler d\u0131\u015f\u0131nda b\u0131rak\u0131ld\u0131.\u00a0<\/p>\n<h4 class=\"wp-block-heading\"><strong>Risk gruplar\u0131 ve limitler yeniden tan\u0131mland\u0131<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Genelgeyle ger\u00e7ek ve t\u00fczel ki\u015filere ili\u015fkin risk gruplar\u0131n\u0131n olu\u015fturulmas\u0131na y\u00f6nelik esaslar belirlenirken, sigorta \u015firketlerinin kefalet teminatlar\u0131na ili\u015fkin \u00fcstlenebilece\u011fi risklere de s\u0131n\u0131rlar getirildi.<\/p>\n<p class=\"wp-block-paragraph\">Buna g\u00f6re, bir sigorta ettiren veya risk grubu i\u00e7in \u00fcstlenilen net teminat riski, \u015firket \u00f6zsermayesinin y\u00fczde 10\u2019unu a\u015famayacak. Y\u00fcr\u00fcrl\u00fckteki kefalet senetlerine ba\u011fl\u0131 toplam br\u00fct teminat riski ise sigorta \u015firketi \u00f6zsermayesinin be\u015f kat\u0131n\u0131 ge\u00e7emeyecek. Ayr\u0131ca kefalet teminatlar\u0131 risk seviyelerine g\u00f6re be\u015f grupta s\u0131n\u0131fland\u0131r\u0131lacak.\u00a0<\/p>\n<h4 class=\"wp-block-heading\"><strong>G\u00fcvenceler de d\u00f6rt grupta izlenecek<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Genelge kapsam\u0131nda sigorta \u015firketleri, kefalet teminatlar\u0131na kar\u015f\u0131l\u0131k al\u0131nan g\u00fcvenceleri de risk d\u00fczeylerine g\u00f6re d\u00f6rt ayr\u0131 grupta s\u0131n\u0131fland\u0131rarak takip edecek.<\/p>\n<p class=\"wp-block-paragraph\">Nakit, mevduat, belirli kamu bor\u00e7lanma ara\u00e7lar\u0131 ve banka teminat mektuplar\u0131 gibi varl\u0131klar birinci grup g\u00fcvence kapsam\u0131nda de\u011ferlendirilirken, di\u011fer finansal varl\u0131klar ve ayni teminatlar risk d\u00fczeylerine g\u00f6re ikinci, \u00fc\u00e7\u00fcnc\u00fc ve d\u00f6rd\u00fcnc\u00fc gruplarda izlenecek. Ayr\u0131ca g\u00fcvencelerin de\u011ferleme oranlar\u0131 da her grup i\u00e7in ayr\u0131 ayr\u0131 belirlendi.\u00a0<\/p>\n<h4 class=\"wp-block-heading\"><strong>Finansal risk y\u00f6netimi zorunlu hale geliyor<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">D\u00fczenlemeyle sigorta \u015firketlerinin b\u00fcnyesinde finansal riskler de\u011ferlendirme birimi olu\u015fturulmas\u0131 zorunlu tutuldu. Bu birimlerde g\u00f6rev alacak personelin belirli mesleki deneyime sahip olmas\u0131 ve Sigortac\u0131l\u0131k E\u011fitim Merkezi (SEGEM) taraf\u0131ndan d\u00fczenlenecek e\u011fitim ve s\u0131navlar\u0131 ba\u015far\u0131yla tamamlamas\u0131 gerekecek.<\/p>\n<p class=\"wp-block-paragraph\">Ayr\u0131ca ara\u00e7 teknik personelinin de kefalet sigortas\u0131 sat\u0131\u015f\u0131na yetkilendirilebilmesi i\u00e7in SEGEM e\u011fitimlerini tamamlamas\u0131 ve yap\u0131lacak s\u0131navlarda ba\u015far\u0131l\u0131 olmas\u0131 \u015fart\u0131 getirildi.\u00a0<\/p>\n<h4 class=\"wp-block-heading\"><strong>Risk de\u011ferlendirme ve izleme s\u00fcre\u00e7leri g\u00fc\u00e7lendirildi<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Genelge, sigorta ettiren veya sigortal\u0131n\u0131n mali yap\u0131s\u0131n\u0131n, \u00f6deme performans\u0131n\u0131n, kredi ge\u00e7mi\u015finin ve y\u00fck\u00fcml\u00fcl\u00fcklerini yerine getirme kapasitesinin ayr\u0131nt\u0131l\u0131 \u015fekilde de\u011ferlendirilmesini \u00f6ng\u00f6r\u00fcyor.<\/p>\n<p class=\"wp-block-paragraph\">Sigorta \u015firketleri ayr\u0131ca kefalet teminatlar\u0131na ili\u015fkin riskleri d\u00fczenli olarak izleyecek, erken uyar\u0131 sistemleri kuracak ve risk profillerindeki de\u011fi\u015fiklikleri takip edecek. Teminat limitleri ki\u015fi, firma ve risk grubu baz\u0131nda belirlenecek; limitlere uyum t\u00fcm teminatland\u0131rma s\u00fcreci boyunca kontrol edilecek.\u00a0<\/p>\n<h4 class=\"wp-block-heading\"><strong>E-kefalet ve SBM entegrasyonu d\u00fczenlendi<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Genelgeyle elektronik kefalet (e-kefalet) uygulamalar\u0131na ili\u015fkin esaslar da yeniden d\u00fczenlendi.<\/p>\n<p class=\"wp-block-paragraph\">Buna g\u00f6re kefalet senetlerinin do\u011frulanmas\u0131, iletilmesi, muhafazas\u0131 ve g\u00fcncellenmesine ili\u015fkin i\u015flemler elektronik ortamda y\u00fcr\u00fct\u00fclecek. Sigorta \u015firketleri, kefalet sigortalar\u0131na ili\u015fkin bilgi ve belgeleri Sigorta Bilgi ve G\u00f6zetim Merkezi (SBM) sistemiyle entegre \u015fekilde takip edecek. Teminatlara ili\u015fkin verilerin risk grubu baz\u0131nda izlenmesi ve limit kontrollerinin yap\u0131lmas\u0131na y\u00f6nelik teknik altyap\u0131n\u0131n olu\u015fturulmas\u0131 da zorunlu olacak.\u00a0<\/p>\n<h4 class=\"wp-block-heading\"><strong>1 Ocak 2027\u2019de y\u00fcr\u00fcrl\u00fc\u011fe girecek<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">29 Temmuz 2026 tarihli Genelge, 1 Ocak 2027 tarihinde y\u00fcr\u00fcrl\u00fc\u011fe girecek. Ayn\u0131 tarihte 25 Nisan 2025 tarihli ve 2025\/13 say\u0131l\u0131 \u201cKefalet Sigortas\u0131 Hakk\u0131nda Genelge\u201d y\u00fcr\u00fcrl\u00fckten kald\u0131r\u0131lacak.<\/p>\n<p class=\"wp-block-paragraph\">\u00d6te yandan sigorta \u015firketlerinin, genelgenin yay\u0131m\u0131 tarihinden \u00f6nce d\u00fczenlenmi\u015f ancak y\u00fcr\u00fcrl\u00fckte bulunan kefalet sigortas\u0131 poli\u00e7e ve senetlerine ili\u015fkin verileri, yeni s\u0131n\u0131fland\u0131rma esaslar\u0131na uygun \u015fekilde SBM sistemine\u00a0<strong>31 Ocak 2027<\/strong> tarihine kadar aktarmas\u0131 gerekecek.\u00a0<\/p>\n<p class=\"wp-block-paragraph\">\n<div class=\"twitter-share\"><a href=\"https:\/\/twitter.com\/intent\/tweet?url=https%3A%2F%2Fsigortamedya.com.tr%2Fseddkdan-kefalet-sigortasinda-risk-yonetimine-yeni-duzenleme%2F&amp;via=sigortamedya\" class=\"twitter-share-button\">Tweet<\/a><\/div>\n<\/p>","protected":false},"excerpt":{"rendered":"<p>Sigortac\u0131l\u0131k ve \u00d6zel Emeklilik D\u00fczenleme ve Denetleme Kurumu (SEDDK), kefalet sigortas\u0131nda risk kabul\u00fc ve y\u00f6netimine ili\u015fkin usul ve esaslar\u0131 yeniden belirledi. 1 Ocak 2027\u2019de y\u00fcr\u00fcrl\u00fc\u011fe girecek Genelge ile risk gruplar\u0131n\u0131n belirlenmesinden teminat ve g\u00fcvencelerin s\u0131n\u0131fland\u0131r\u0131lmas\u0131na, finansal risk y\u00f6netiminden elektronik kefalet<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-796","post","type-post","status-publish","format-standard","hentry","category-genel"],"_links":{"self":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts\/796","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=796"}],"version-history":[{"count":0,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts\/796\/revisions"}],"wp:attachment":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=796"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=796"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=796"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}