Kur ve Fiyat Farkı Korumalı Banka Hesapları ile Fiziki Altınların Kaydileştirilmesine İlişkin Düzenlemelerin Hukuki Açıdan Değerlendirilmesi

In the last quarter of 2021, the economic management in Turkey announced to the public that it will implement a new economic program that is competitive and does not center on the interest concept. Immediately afterward, sudden jumps occurred in exchange rates. Thereupon, in order to prevent dollarization in the country and to encourage the retention of the Turkish lira, exchange rate guarantees were introduced to deposits and participation accounts. Within the scope of the application, residents abroad were also included. Later, gold accounts in banks were also included in the scope of the regulations. In addition, regulations were made to encourage the transfer of physical gold to the dematerialized system. Thus, jewelers and gold refineries were also included in the system. In this study, legal examination and evaluation of these five basic regulations were made. In this context, the relations between the Central Bank, the bank and the account holder; It has been determined and evaluated about the legal nature of currency protection, currency and price warranty, the responsibility of banks, what the principal capital guarantee means, and the legal nature of the additional payments brought.