Kredi
Musterek Alacakli (Joint Creditor)
İngilizce: joint creditor
Türkçe Tanım
Ayni alacak uzerinde birlikte hak sahibi olan ve kural olarak bu alacagi ancak birlikte talep edip tahsil edebilen iki ya da daha fazla alacakliyi ifade eder; borclu, borcunu ifa ederken musterek alacaklilarin tumune karsi ibra elde etmek durumundadir. Bu yapi, tahsilatin koordinasyonunu ve alacaklilar arasindaki ic paylasimi on plana cikarir. Sendikasyon ve kulup kredilerinde bu iliski, alacaklilar arasi sozlesme (intercreditor agreement) ile ayrintili biciminde duzenlenir; teminatin paylasimi, tahsilat gelirlerinin dagitim sirasi ve tek basina icra yasagi bu belgede tanimlanir, ve bu duzenlemenin bosluklari, temerrut aninda alacaklilarin birbirine karsi yarisina donusebilecek gizli bir catisma kaynagidir.
English Definition
Two or more creditors who jointly hold a right to the same claim and, as a rule, may demand and collect it only together, so the debtor discharging the debt must obtain release against all of them. This foregrounds the coordination of collection and the internal split among creditors. In syndicated and club loans the relationship is regulated in detail through an intercreditor agreement defining the sharing of security, the order of distribution of recoveries, and the prohibition on individual enforcement; gaps there are a hidden source of conflict that can turn, at default, into a race among the creditors.