An Evaluation About the Liability of the Drawee Bank in the Check

Rahime Rana Saygın; Doç. Dr. Raziye Aksu

Makale detayları

An Evaluation About the Liability of the Drawee Bank in the Check

Yazarlar:

Rahime Rana Saygın | Doç. Dr. Raziye Aksu

Yayıncı:

Süleyman Demirel University

Ana Başlıklar:

Ticaret Hukuku (Diğer)

Dergi:

Süleyman Demirel Üniversitesi Hukuk Fakültesi Dergisi Vol.14 Issue 2, pp.1615-1662

Belge Tipi:

Makale

Yayın Tarihi:

12/2024

Belge Dili:

Türkçe

Document ID (Org No.):

2001334682

pISSN:

2146-7129

Anahtar kelimeler:

Özet:

 Check, which contains a three-party relationship, is regulated as payment instrument in Turkish Commercial Code No. 6102 TCC. In a check, the drawer orders the payment of the check to the addressee. The holder, wants payment due to the check presents it to the drawee TCC Art. 796. Therefore, the drawee has opportunity to examine the check and its holder. In this context, the liability of the drawee bank in the check was examined. In order for the check to be issued, a check agreement is made between the issuer and the drawee. In this respect, firstly, the liability was discussed in terms of the establishment of this agreement. The check amount is paid from the bank account of the drawer operating with the check. Thefore, secondly, the liability was discussed in terms of the payment of the check. At this stage the liability was discussed sequentially in terms the case of non payment check that have provision and must be paid, and the case of violating the legal payment obligation. the drawer of the check has been granted the opportunity to withdraw from the check TCC Art. 799. Therefore, this provision was examined in terms of the liability of the drawee bank. During this study, adequacy of the provisions of the liability were questioned.

 Check, which contains a three-party relationship, is regulated as payment instrument in Turkish Commercial Code No. 6102 TCC. In a check, the drawer orders the payment of the check to the addressee. The holder, wants payment due to the check presents it to the drawee TCC Art. 796. Therefore, the drawee has opportunity to examine the check and its holder. In this context, the liability of the drawee bank in the check was examined. In order for the check to be issued, a check agreement is made between the issuer and the drawee. In this respect, firstly, the liability was discussed in terms of the establishment of this agreement. The check amount is paid from the bank account of the drawer operating with the check. Thefore, secondly, the liability was discussed in terms of the payment of the check. At this stage the liability was discussed sequentially in terms the case of non payment check that have provision and must be paid, and the case of violating the legal payment obligation. the drawer of the check has been granted the opportunity to withdraw from the check TCC Art. 799. Therefore, this provision was examined in terms of the liability of the drawee bank. During this study, adequacy of the provisions of the liability were questioned.

 Check, which contains a three-party relationship, is regulated as payment instrument in Turkish Commercial Code No. 6102 TCC. In a check, the drawer orders the payment of the check to the addressee. The holder, wants payment due to the check presents it to the drawee TCC Art. 796. Therefore, the drawee has opportunity to examine the check and its holder. In this context, the liability of the drawee bank in the check was examined. In order for the check to be issued, a check agreement is made between the issuer and the drawee. In this respect, firstly, the liability was discussed in terms of the establishment of this agreement. The check amount is paid from the bank account of the drawer operating with the check. Thefore, secondly, the liability was discussed in terms of the payment of the check. At this stage the liability was discussed sequentially in terms the case of non payment check that have provision and must be paid, and the case of violating the legal payment obligation. the drawer of the check has been granted the opportunity to withdraw from the check TCC Art. 799. Therefore, this provision was examined in terms of the liability of the drawee bank. During this study, adequacy of the provisions of the liability were questioned.

 Üçlü bir ilişkiyi barındıran çek, 6102 sayılı Türk Ticaret Kanunu TTKnda ödeme aracı olarak kurgulanmıştır. Çekte düzenleyen, çekin ödenmesi emrini muhataba vermektedir. Çek sebebiyle ödeme isteyen hamil, çeki muhataba ibraz eder TTK m. 796. Dolayısıyla muhatabın çeki ve hamili inceleme imkânı bulunur. Bu bağlamda, çekte muhatap bankanın sorumluluğu incelenmiştir. Çekin düzenlenebilmesi için düzenleyen ile muhatap arasında çek anlaşması yapılır TTK m. 783. Bu açıdan ilk olarak sorumluluk çek anlaşmasının kurulması aşaması açısından ele alınmıştır. Çek bedeli, düzenleyenin çekle işleyen banka hesabından ödenir. Bu nedenle, ikinci olarak, muhatap bankanın sorumluluğu çek bedelinin ödenmesi bakımından incelenmiştir. Bu aşamada öncelikle sorumluluk sırasıyla karşılığı bulunan ve kanunen ödenmesi gereken çekin ödenmemesi durumu ile kanuni ödeme yükümlülüğüne aykırı davranılması durumu açısından ele alınmıştır. Bunun yanı sıra, çeki düzenleyene çekten cayma imkânı tanınmıştır TTK m. 799. Bu sebeple, muhatap bankanın sorumluluğu bakımından bu düzenleme irdelenmiştir. Bu çalışma esnasında, sorumluluk hükümlerinin yeterliği sorgulanmıştır.

Makale detayları

An Evaluation About the Liability of the Drawee Bank in the Check

Yazarlar:

Rahime Rana Saygın | Doç. Dr. Raziye Aksu

Yayıncı:

Süleyman Demirel University

Ana Başlıklar:

Ticaret Hukuku (Diğer)

Dergi:

Süleyman Demirel Üniversitesi Hukuk Fakültesi Dergisi Vol.14 Issue 2, pp.1615-1662

Belge Tipi:

Makale

Yayın Tarihi:

12/2024

Belge Dili:

Türkçe

Document ID (Org No.):

2001334682

pISSN:

2146-7129

Check

Drawee Bank

Check Agreement

Withdraw from thr CheckÇek

Muhatap Banka

Çek Anlaşması

Çekten Cayma

Sayı

Makale detayları

Yazarlar: Rahime Rana Saygın | Doç. Dr. Raziye Aksu

Yayıncı: Süleyman Demirel University

Ana Başlıklar: Ticaret Hukuku (Diğer)

Dergi: Süleyman Demirel Üniversitesi Hukuk Fakültesi Dergisi Vol.14 Issue 2, pp.1615-1662

Belge Tipi: Makale

Yayın Tarihi: 12/2024

Belge Dili: Türkçe

Document ID (Org No.): 2001334682

pISSN: 2146-7129

Sayı

Yazarlar:

Rahime Rana Saygın | Doç. Dr. Raziye Aksu

Yayıncı:

Süleyman Demirel University

Ana Başlıklar:

Ticaret Hukuku (Diğer)

Dergi:

Süleyman Demirel Üniversitesi Hukuk Fakültesi Dergisi Vol.14 Issue 2, pp.1615-1662

Belge Tipi:

Makale

Yayın Tarihi:

12/2024

Belge Dili:

Türkçe

Document ID (Org No.):

2001334682

pISSN:

2146-7129