M\u0259lum oldu\u011fu kimi, bank sistemi iqtisadiyyat v\u0259 maliyy\u0259 sisteminin formala\u015fmas\u0131nda v\u0259 t\u0259nziml\u0259nm\u0259sind\u0259 m\u00fch\u00fcm rol oynay\u0131r. M\u00fcasir d\u00f6vrd\u0259\u00a0banklar\u0131n rolu daha da artaraq, iqtisadiyyat\u0131n apar\u0131c\u0131 s\u00fctunlar\u0131ndan birini t\u0259\u015fkil edir.<\/p>\n
Son ill\u0259rd\u0259 \u00f6lk\u0259d\u0259 bank sisteminin m\u00f6hk\u0259ml\u0259ndirilm\u0259si v\u0259 sa\u011flamla\u015fd\u0131r\u0131lmas\u0131 istiqam\u0259tind\u0259 Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131 (AMB) t\u0259r\u0259find\u0259n apar\u0131lan islahatlar \u00f6z m\u00fcsb\u0259t t\u0259sirini g\u00f6st\u0259rm\u0259kd\u0259dir. Bu t\u0259dbirl\u0259r bank sisteminin kapitalla\u015fmas\u0131n\u0131n m\u00f6hk\u0259ml\u0259nm\u0259sin\u0259, kredit portfelinin sa\u011flamla\u015fmas\u0131na, likvidliyin y\u00fcks\u0259lm\u0259sin\u0259, sistemyarad\u0131c\u0131 banklar\u0131n say\u0131n\u0131n artmas\u0131na v\u0259 bir \u00e7ox problemli – \u00f6lk\u0259 iqtisadiyyat\u0131nda rolu olmayan banklar\u0131n l\u0259\u011fvin\u0259 \u015f\u0259rait yarad\u0131b.<\/p>\n
Lakin qeyd edil\u0259n m\u00fcsb\u0259t d\u0259yi\u015fiklikl\u0259rl\u0259 yana\u015f\u0131, \u00f6lk\u0259nin bank sistemi qar\u015f\u0131s\u0131nda bir \u00e7ox v\u0259zif\u0259l\u0259r durmaqdad\u0131r. Haz\u0131rda\u00a0\u0259n prioritet m\u0259s\u0259l\u0259l\u0259rd\u0259n biri kreditl\u0259r \u00fczr\u0259 faiz d\u0259r\u0259c\u0259l\u0259rinin a\u015fa\u011f\u0131 sal\u0131nmas\u0131d\u0131r. Sirr deyil ki, i\u015fg\u00fczar m\u00fchitin yax\u015f\u0131la\u015fd\u0131r\u0131lmas\u0131n\u0131 v\u0259 qeyri-neft sektorunun davaml\u0131 inki\u015faf\u0131n\u0131 t\u0259min ed\u0259n vacib amill\u0259rd\u0259n biri t\u0259s\u0259rr\u00fcfat subyektl\u0259rinin v\u0259 \u0259halinin s\u0259rf\u0259li \u015f\u0259rtl\u0259rl\u0259 kreditl\u0259\u015fdirilm\u0259sidir. H\u0259tta bir ne\u00e7\u0259 g\u00fcn \u0259vv\u0259l Prezident \u0130lham \u018fliyev d\u0259 banklar\u0131n m\u0259suliyy\u0259tsizliyin\u0259 g\u00f6r\u0259 s\u0259rt x\u0259b\u0259rdarl\u0131q etmi\u015fdi:<\/p>\n
\u201cB\u00fct\u00f6vl\u00fckd\u0259 \u00f6z\u0259l banklar iqtisadi inki\u015faf\u0131m\u0131za t\u0259kan verm\u0259lidir. Onlar\u0131n i\u015fi ancaq oturub pul qazanmaq olmamal\u0131d\u0131r. D\u00f6vl\u0259t onlara f\u0259aliyy\u0259t g\u00f6st\u0259rm\u0259k \u00fc\u00e7\u00fcn imkan yarad\u0131b, lisenziya verib. \u018fg\u0259r o banklarda hans\u0131sa probleml\u0259r olarsa, bu lisenziya l\u0259\u011fv edil\u0259c\u0259k. Ona g\u00f6r\u0259 m\u0259suliyy\u0259tli yana\u015fmal\u0131d\u0131rlar. Onlar biznes-kreditl\u0259r\u0259 \u00fcst\u00fcnl\u00fck verm\u0259lidirl\u0259r\u201d.<\/p>\n
M\u00f6vzu il\u0259 ba\u011fl\u0131 \u0130qtisadiyyat.az sayt\u0131na a\u00e7\u0131qlama ver\u0259n maliyy\u0259 v\u0259 investisiya \u00fczr\u0259 ekspert R\u0259\u015fad Hac\u0131yev bildirib ki, 2019-cu ilin \u00fc\u00e7\u00fcnc\u00fc r\u00fcb\u00fcn\u00fcn n\u0259tic\u0259l\u0259rin\u0259 g\u00f6r\u0259 (Az\u0259rbaycan Banklar Assosiasiyas\u0131 (ABA) sayt\u0131ndan \u0259ld\u0259 olunmu\u015f m\u0259lumata \u0259sas\u0259n) \u00f6lk\u0259nin bank sisteminin m\u0259cmu\u00a0aktivl\u0259ri 31.3 milyard manat, kredit portfeli 13.3 milyard manat, depozit portfeli 20.4 milyard v\u0259 xalis m\u0259nf\u0259\u0259ti 580 milyon manat olub.<\/p>\n
Qeyd edil\u0259n d\u00f6vrd\u0259\u00a0\u00f6lk\u0259 \u00fczr\u0259 b\u00fct\u00fcn bank aktivl\u0259rinin 67%-i, depozitl\u0259rinin 70.5%-i v\u0259 xalis m\u0259nf\u0259\u0259tinin 88%-i be\u015f\u00a0bank\u0131n pay\u0131na d\u00fc\u015f\u00fcr.\u00a0Bel\u0259 ki, \u00f6lk\u0259d\u0259 30 kommersiya bank\u0131 f\u0259aliyy\u0259t g\u00f6st\u0259rdiyi halda, bank sisteminin m\u00fch\u00fcm bir hiss\u0259si \u0259n iri 5-7 sistemyarad\u0131c\u0131 bankda c\u0259ml\u0259\u015fib.<\/p>\n
Son ill\u0259rd\u0259\u00a0bank kreditl\u0259ri \u00fczr\u0259 faizl\u0259r m\u00fc\u0259yy\u0259n d\u0259r\u0259c\u0259d\u0259 a\u015fa\u011f\u0131 ens\u0259 d\u0259, onlar h\u0259l\u0259 d\u0259 y\u00fcks\u0259k h\u0259dl\u0259rd\u0259dir. Kreditl\u0259r \u00fczr\u0259 faizl\u0259ri formala\u015fd\u0131ran \u0259sas faktorlar M\u0259rk\u0259zi Bank\u0131n u\u00e7ot faiz d\u0259r\u0259c\u0259si, inflyasiya, depozitl\u0259r \u00fczr\u0259 c\u0259lbetm\u0259 faizi, banklarda likvidlilik s\u0259viyy\u0259si v\u0259 kreditl\u0259r \u00fczr\u0259 faiz marjas\u0131d\u0131r. H\u0259r bir faktora ayr\u0131-ayr\u0131l\u0131qda n\u0259z\u0259r salaraq, kredit faizl\u0259rinin y\u00fcks\u0259k\u00a0olmas\u0131n\u0131n s\u0259b\u0259bl\u0259rini ara\u015fd\u0131raq:<\/p>\n
– Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n u\u00e7ot faiz d\u0259r\u0259c\u0259si hal-haz\u0131rda 7.25% t\u0259\u015fkil edir (Rusiya: 6.25%, Qazax\u0131stan: 9.25%).\u00a0M\u0259lumdur ki, u\u00e7ot faiz d\u0259r\u0259c\u0259si makroiqtisadi v\u0259ziyy\u0259ti v\u0259 inflyasiya perspektivl\u0259rini n\u0259z\u0259r\u0259 alaraq\u00a0m\u00fc\u0259yy\u0259n edilir.<\/p>\n
Bel\u0259 ki, inflyasiya v\u0259 inki\u015faf templ\u0259ri y\u00fcks\u0259k olduqda u\u00e7ot faiz d\u0259r\u0259c\u0259si y\u00fcks\u0259ldilir v\u0259 inki\u015faf templ\u0259ri z\u0259ifl\u0259dikd\u0259 iqtisadiyyat\u0131 stimulla\u015fd\u0131rmaq m\u0259qs\u0259dil\u0259\u00a0u\u00e7ot d\u0259r\u0259c\u0259si a\u015fa\u011f\u0131 sal\u0131n\u0131r. D\u00fcnya Bank\u0131n\u0131n m\u0259lumat\u0131na \u0259sas\u0259n, 2019-cu ild\u0259 Az\u0259rbaycanda \u00dcDM-in v\u0259 inflyasiyan\u0131n art\u0131m\u0131 2.8% t\u0259\u015fkil edib.<\/p>\n
2020-ci il \u00fc\u00e7\u00fcn bu r\u0259q\u0259ml\u0259r 2.3% v\u0259 3.2% h\u0259ddind\u0259 proqnozla\u015fd\u0131r\u0131l\u0131r. 2019-cu ilin n\u0259tic\u0259l\u0259rin\u0259 g\u00f6r\u0259, Rusiya v\u0259 Qazax\u0131standa \u00dcDM-in art\u0131m\u0131 1.3% v\u0259 4.5%, inflyasiya is\u0259 4% v\u0259 5.4%-dir.\u00a0Bu bax\u0131mdan, \u00f6lk\u0259mizin haz\u0131rk\u0131\u00a0v\u0259 g\u00f6zl\u0259nil\u0259n iqtisadi inki\u015faf v\u0259 inflyasiya templ\u0259rini n\u0259z\u0259r\u0259 alaraq, 7.25% h\u0259ddind\u0259 m\u00fc\u0259yy\u0259n olunmu\u015f u\u00e7ot faiz d\u0259r\u0259c\u0259sinin a\u015fa\u011f\u0131 sal\u0131nmas\u0131na ehtiyac duyulur.<\/p>\n
\u00c7\u00fcnki\u00a0AMB-nin u\u00e7ot d\u0259r\u0259c\u0259si bank sistemind\u0259 maliyy\u0259 resurslar\u0131na g\u00f6r\u0259 faiz d\u0259r\u0259c\u0259l\u0259rinin formala\u015fmas\u0131nda m\u00fch\u00fcm rol oynayaraq, kredit resurslar\u0131n\u0131n d\u0259y\u0259rin\u0259 birba\u015fa t\u0259sir edir. M\u0259s\u0259l\u0259n, AB\u015e-\u0131n Federal Ehtiyatlar Sistemi\u00a0inflyasiyan\u0131n 2.1% t\u0259\u015fkil etdiyi m\u00fchitd\u0259, iqtisadiyyat\u0131 canland\u0131rmaq m\u0259qs\u0259dil\u0259\u00a0u\u00e7ot faiz d\u0259r\u0259c\u0259sini t\u0259k 2019-cu ild\u0259 \u00fc\u00e7\u00a0d\u0259f\u0259 azaldaraq, 1.5 \u2013 1.75%-\u0259 \u00e7atd\u0131r\u0131b.<\/p>\n
\u015e\u00fcbh\u0259siz ki, Az\u0259rbaycan v\u0259 AB\u015e iqtisadiyyatlar\u0131 m\u00fcqayis\u0259edilm\u0259zdir, lakin Federal Ehtiyatlar Sistemi \u00f6lk\u0259 iqtisadiyyat\u0131n\u0131 stimulla\u015fd\u0131rmaq m\u0259qs\u0259dil\u0259 misilsiz t\u0259dbirl\u0259r\u0259 \u0259l ataraq, h\u0259tta u\u00e7ot d\u0259r\u0259c\u0259sini inflyasiya h\u0259ddind\u0259n d\u0259 a\u015fa\u011f\u0131 sal\u0131b.<\/p>\n
– AMB-\u0131n sayt\u0131ndan \u0259ld\u0259 olunan m\u0259lumatlara \u0259sas\u0259n, depozitl\u0259r \u00fczr\u0259 milli v\u0259 xarici valyutalarda orta faiz d\u0259r\u0259c\u0259l\u0259ri 9.27% v\u0259 1.84%, kreditl\u0259r \u00fczr\u0259 is\u0259 orta faiz d\u0259r\u0259c\u0259l\u0259ri 13.92% v\u0259 5.90% t\u0259\u015fkil edir.<\/p>\n
Bel\u0259 ki, milli valyutada veril\u0259n kreditl\u0259r \u00fczr\u0259 faiz marjas\u0131 4.65% (13.92 \u2013 9.27), xarici valyutada is\u0259 4.06% (5.90 \u2013 1.84) h\u0259ddind\u0259 m\u00fc\u0259yy\u0259n olunub. R\u0259q\u0259ml\u0259r g\u00f6st\u0259rir ki, banklar\u0131n kredit faiz marjas\u0131 sa\u011flam h\u0259dl\u0259rd\u0259dir v\u0259 onun azald\u0131lmas\u0131 bank sisteminin g\u0259lirliyin\u0259 v\u0259 s\u0259m\u0259r\u0259liliyin\u0259 m\u0259nfi t\u0259sir g\u00f6st\u0259r\u0259c\u0259k.<\/p>\n
\u015e\u00fcbh\u0259siz ki, girovsuz v\u0259 y\u00fcks\u0259k riskli kreditl\u0259r \u00fczr\u0259 faiz marjas\u0131 daha y\u00fcks\u0259k s\u0259viyy\u0259d\u0259 m\u00fc\u0259yy\u0259n olunur, lakin bel\u0259 kreditl\u0259rin pay\u0131 b\u00fct\u00fcn bank sistemi \u00fczr\u0259 ki\u00e7ik oldu\u011fundan\u00a0yekun n\u0259tic\u0259l\u0259r\u0259 \u0259h\u0259miyy\u0259tli t\u0259sir g\u00f6st\u0259rmir. Bununla da, r\u0259q\u0259ml\u0259r\u0259 istinad etdikd\u0259\u00a0banklarda faiz marjas\u0131n\u0131n adekvat h\u0259dl\u0259rd\u0259 olmas\u0131 q\u0259na\u0259tin\u0259 g\u0259lm\u0259k olur.<\/p>\n
– Bank sisteminin likvidlilik v\u0259ziyy\u0259tin\u0259 n\u0259z\u0259r sald\u0131qda, onun q\u0259na\u0259tb\u0259x\u015f h\u0259dd\u0259 oldu\u011fu g\u00f6r\u00fcn\u00fcr. \u00d6lk\u0259 bank sisteminin 20.4 milyard manat depozitl\u0259rin\u0259 qar\u015f\u0131 banklar c\u0259mi 13.3 milyard manat kredit ay\u0131r\u0131b (\u00fc\u00e7\u00fcnc\u00fc r\u00fcb, 2019-cu il, ABA m\u0259lumat\u0131na \u0259sas\u0259n). Kredit portfelinin depozitl\u0259r\u0259 olan nisb\u0259ti \u00f6lk\u0259 bank sistemi \u00fczr\u0259 c\u0259mi 66% t\u0259\u015fkil edir.<\/p>\n
D\u00fcnya praktikas\u0131na \u0259sas\u0259n, bu nisb\u0259tin 80-90% h\u0259ddind\u0259 olmas\u0131 t\u00f6vsiy\u0259 olunur. Bu nisb\u0259t n\u0259 q\u0259d\u0259r a\u015fa\u011f\u0131 olarsa, bank\u0131n g\u0259lirliliyi d\u0259 o q\u0259d\u0259r a\u015fa\u011f\u0131 olur. H\u0259tta ayr\u0131-ayr\u0131 banklar\u0131n balans\u0131n\u0131 n\u0259z\u0259rd\u0259n ke\u00e7irdikd\u0259, onlar\u0131n, \u0259slind\u0259, y\u00fcks\u0259k likvidlikd\u0259n \u0259ziyy\u0259t \u00e7\u0259kdiyi g\u00f6r\u00fcn\u00fcr.Y\u0259ni maliyy\u0259 resurslar\u0131n\u0131n hans\u0131sa bir q\u0131tl\u0131\u011f\u0131 m\u00fc\u015fahid\u0259 olunmur.<\/p>\n
– Eyni zamanda, qeyd etm\u0259k laz\u0131md\u0131r ki, b\u0259zi banklar q\u0131sa zaman \u0259rzind\u0259 daha \u00e7ox g\u0259lir \u0259ld\u0259 etm\u0259k m\u0259qs\u0259dil\u0259 ayr\u0131-ayr\u0131 hallarda y\u00fcks\u0259k faiz marjas\u0131 il\u0259 kreditl\u0259\u015fm\u0259 apar\u0131r, lakin\u00a0bel\u0259 bir yana\u015fma uzun m\u00fcdd\u0259td\u0259 he\u00e7 bir m\u00fcsb\u0259t n\u0259tic\u0259y\u0259 g\u0259tirib \u00e7\u0131xarm\u0131r.<\/p>\n
\u018fksin\u0259, problemli kreditl\u0259rin s\u00fcr\u0259tl\u0259 artmas\u0131na s\u0259b\u0259b olaraq, bank\u0131n balans g\u00f6st\u0259ricil\u0259rini pisl\u0259\u015fdirir. Eyni zamanda, biznes\u0259 v\u0259 \u0259haliy\u0259 m\u0259nfi t\u0259sir g\u00f6st\u0259r\u0259r\u0259k xo\u015fag\u0259lm\u0259z hallara s\u0259b\u0259b olur. Bel\u0259 hallar\u0131n ba\u015f verm\u0259sini tam istisna etm\u0259k m\u00fcmk\u00fcn olmasa da, onlar requlyator t\u0259r\u0259find\u0259n daimi izl\u0259nm\u0259li v\u0259 t\u0259nzimd\u0259 saxlanmal\u0131d\u0131r.<\/p>\n
Yuxar\u0131dak\u0131 faktorlar\u0131 n\u0259z\u0259rd\u0259n ke\u00e7irdikd\u0259n sonra\u00a0bel\u0259 bir q\u0259na\u0259t\u0259 g\u0259lm\u0259k olar ki, \u00f6lk\u0259d\u0259 kredit resurslar\u0131n\u0131n bahal\u0131 olmas\u0131n\u0131n \u0259sas s\u0259b\u0259bl\u0259ri banklarda depozitl\u0259r \u00fczr\u0259 faizl\u0259rin v\u0259 m\u00f6vcud u\u00e7ot d\u0259r\u0259c\u0259sinin y\u00fcks\u0259k olmas\u0131d\u0131r.<\/p>\n
M\u0259lumdur ki, banklar daxili bazarda maliyy\u0259 resurslar\u0131 \u00fczr\u0259 r\u0259qab\u0259t aparmaq m\u0259qs\u0259dil\u0259 m\u00fc\u015ft\u0259ril\u0259r\u0259 y\u00fcks\u0259k faizl\u0259r t\u0259klif edirl\u0259r, lakin, bel\u0259 bir yana\u015fma n\u0259tic\u0259d\u0259 kredit resurslar\u0131n\u0131n bahala\u015fmas\u0131na s\u0259b\u0259b olur. \u0130nflyasiyan\u0131n 2-2.5% t\u0259\u015fkil etdiyi halda, banklar\u0131n depozitl\u0259r\u0259 g\u00f6r\u0259 illik 8-10% \u00f6d\u0259m\u0259si real bazar \u015f\u0259raitin\u0259, \u00fcmumiyy\u0259tl\u0259, uy\u011fun deyildir.<\/p>\n
Bel\u0259likl\u0259, faiz d\u0259r\u0259c\u0259l\u0259rinin y\u00fcks\u0259k h\u0259ddl\u0259rd\u0259 formala\u015fmas\u0131na g\u00f6r\u0259 m\u0259suliyy\u0259tin b\u00f6y\u00fck bir hiss\u0259si \u00f6lk\u0259nin sistemyarad\u0131c\u0131 banklar\u0131n \u00fcz\u0259rin\u0259 d\u00fc\u015f\u00fcr.\u00a0 M\u00f6vcud makroiqtisadi m\u00fchitd\u0259, milli valyutada depozitl\u0259r \u00fczr\u0259 orta faiz d\u0259r\u0259c\u0259si haz\u0131rki 9.27%-d\u0259n 5-5.25%-\u0259, M\u0259rk\u0259zi Bank\u0131n u\u00e7ot faiz d\u0259r\u0259c\u0259si is\u0259 4-4.25%-\u0259 q\u0259d\u0259r endiril\u0259 bil\u0259r.<\/p>\n
\u015e\u00fchb\u0259siz ki, AMB-nin d\u0259st\u0259yi il\u0259 depozitl\u0259r \u00fczr\u0259 faiz d\u0259r\u0259c\u0259l\u0259rinin endirilm\u0259sind\u0259 apar\u0131c\u0131 rol \u00f6lk\u0259nin sistemyarad\u0131c\u0131 banklar\u0131n \u00fcz\u0259rin\u0259 d\u00fc\u015f\u0259c\u0259kdir. Maliyy\u0259 resurslar\u0131na g\u00f6r\u0259 faizl\u0259rin enm\u0259si, kreditl\u0259r \u00fczr\u0259 orta faiz d\u0259r\u0259c\u0259l\u0259rini 9-10%-\u0259 q\u0259d\u0259r ucuzla\u015fd\u0131rmaq imkan\u0131n\u0131 yaradacaqd\u0131r.<\/p>\n
Kreditl\u0259r \u00fczr\u0259 faiz d\u0259r\u0259c\u0259l\u0259rinin a\u015fa\u011f\u0131 d\u00fc\u015fm\u0259si, kredit portfelinin b\u00fct\u00fcn bank sistemi \u00fczr\u0259 daha da sa\u011flamla\u015fmas\u0131na v\u0259 m\u00fcmk\u00fcn z\u0259r\u0259rl\u0259rin \u00f6d\u0259nilm\u0259si \u00fc\u00e7\u00fcn ayr\u0131lan ehtiyatlar\u0131n azalmas\u0131na \u015f\u0259rait yaradacaq. Bel\u0259 oldu\u011fu halda, banklar\u0131n faiz marjas\u0131 v\u0259 g\u0259lirliyi artaraq, kredit faizl\u0259rin perspektivd\u0259 daha da a\u015fa\u011f\u0131 h\u0259dl\u0259r\u0259 endirilm\u0259sin\u0259 imkan ver\u0259c\u0259k.<\/p>\n
Depozitl\u0259r \u00fczr\u0259 faiz d\u0259r\u0259c\u0259l\u0259rinin enm\u0259si, investorlar\u0131n alternativ investisiya al\u0259tl\u0259rin\u0259 mara\u011f\u0131n\u0131 art\u0131raraq, \u00f6lk\u0259nin qiym\u0259tli ka\u011f\u0131zlar bazar\u0131n\u0131n inki\u015faf\u0131na t\u0259kan ver\u0259c\u0259k. \u015e\u00fcbh\u0259siz ki, m\u00f6vcud m\u00fchitd\u0259, investorun qiym\u0259tli ka\u011f\u0131zlar bazar\u0131nda h\u0259min g\u0259liri \u0259ld\u0259 etm\u0259k \u00fc\u00e7\u00fcn \u0259lav\u0259 risk g\u00f6t\u00fcrm\u0259k mara\u011f\u0131 he\u00e7 bir zaman olmayacaq.<\/p>\n
Kapital bazarlar\u0131n\u0131n d\u0259rinl\u0259\u015fdirilm\u0259si, \u00f6lk\u0259d\u0259 biznes m\u00fchitinin inki\u015faf\u0131na v\u0259 r\u0259qab\u0259tin artmas\u0131na \u015f\u0259rait yaradaraq, maliyy\u0259 resurslar\u0131n\u0131n t\u0259dric\u0259n u\u00e7uzla\u015fmas\u0131na m\u00fcsb\u0259t t\u0259sir g\u00f6st\u0259r\u0259c\u0259k.<\/p>\n
\u018flav\u0259 m\u0259lumatlar \u00fc\u00e7\u00fcn bu link\u0259 daxil ola bil\u0259rsiniz:\u00a0www.rmcapitalanalytics.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":" M\u0259lum oldu\u011fu kimi, bank sistemi iqtisadiyyat v\u0259 maliyy\u0259 sisteminin formala\u015fmas\u0131nda v\u0259 t\u0259nziml\u0259nm\u0259sind\u0259 m\u00fch\u00fcm rol oynay\u0131r. M\u00fcasir d\u00f6vrd\u0259\u00a0banklar\u0131n rolu daha da artaraq, iqtisadiyyat\u0131n apar\u0131c\u0131 s\u00fctunlar\u0131ndan birini t\u0259\u015fkil edir. Son ill\u0259rd\u0259 \u00f6lk\u0259d\u0259 bank sisteminin m\u00f6hk\u0259ml\u0259ndirilm\u0259si v\u0259 sa\u011flamla\u015fd\u0131r\u0131lmas\u0131 istiqam\u0259tind\u0259 Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131 (AMB) t\u0259r\u0259find\u0259n apar\u0131lan islahatlar \u00f6z m\u00fcsb\u0259t t\u0259sirini g\u00f6st\u0259rm\u0259kd\u0259dir. Bu t\u0259dbirl\u0259r bank sisteminin kapitalla\u015fmas\u0131n\u0131n m\u00f6hk\u0259ml\u0259nm\u0259sin\u0259, kredit portfelinin sa\u011flamla\u015fmas\u0131na, likvidliyin y\u00fcks\u0259lm\u0259sin\u0259, sistemyarad\u0131c\u0131 banklar\u0131n say\u0131n\u0131n artmas\u0131na v\u0259 bir \u00e7ox problemli – \u00f6lk\u0259 iqtisadiyyat\u0131nda rolu olmayan banklar\u0131n l\u0259\u011fvin\u0259 \u015f\u0259rait yarad\u0131b. Lakin qeyd edil\u0259n m\u00fcsb\u0259t d\u0259yi\u015fiklikl\u0259rl\u0259 yana\u015f\u0131, \u00f6lk\u0259nin bank sistemi qar\u015f\u0131s\u0131nda bir \u00e7ox v\u0259zif\u0259l\u0259r durmaqdad\u0131r. Haz\u0131rda\u00a0\u0259n…<\/p>\n","protected":false},"author":2,"featured_media":128580,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0},"categories":[1],"tags":[],"aioseo_notices":[],"gutentor_comment":0,"rttpg_featured_image_url":{"full":["https:\/\/arantv.az\/wp-content\/uploads\/2020\/02\/ekspert1.jpg",620,341,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2020\/02\/ekspert1.jpg",620,341,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2020\/02\/ekspert1.jpg",620,341,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2020\/02\/ekspert1-150x150.jpg",150,150,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2020\/02\/ekspert1-300x165.jpg",300,165,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2020\/02\/ekspert1.jpg",620,341,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2020\/02\/ekspert1.jpg",620,341,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2020\/02\/ekspert1.jpg",620,341,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2020\/02\/ekspert1-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2020\/02\/ekspert1.jpg",620,341,false]},"rttpg_author":{"display_name":"V\u00fcsal Rafiqo\u011flu","author_link":"https:\/\/arantv.az\/?author=2"},"rttpg_comment":0,"rttpg_category":"C\u0259miyy\u0259t<\/a>","rttpg_excerpt":"M\u0259lum oldu\u011fu kimi, bank sistemi iqtisadiyyat v\u0259 maliyy\u0259 sisteminin formala\u015fmas\u0131nda v\u0259 t\u0259nziml\u0259nm\u0259sind\u0259 m\u00fch\u00fcm rol oynay\u0131r. M\u00fcasir d\u00f6vrd\u0259\u00a0banklar\u0131n rolu daha da artaraq, iqtisadiyyat\u0131n apar\u0131c\u0131 s\u00fctunlar\u0131ndan birini t\u0259\u015fkil edir. Son ill\u0259rd\u0259 \u00f6lk\u0259d\u0259 bank sisteminin m\u00f6hk\u0259ml\u0259ndirilm\u0259si v\u0259 sa\u011flamla\u015fd\u0131r\u0131lmas\u0131 istiqam\u0259tind\u0259 Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131 (AMB) t\u0259r\u0259find\u0259n apar\u0131lan islahatlar \u00f6z m\u00fcsb\u0259t t\u0259sirini g\u00f6st\u0259rm\u0259kd\u0259dir. Bu t\u0259dbirl\u0259r bank sisteminin kapitalla\u015fmas\u0131n\u0131n m\u00f6hk\u0259ml\u0259nm\u0259sin\u0259, kredit portfelinin…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/128579"}],"collection":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=128579"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/128579\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/128580"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=128579"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=128579"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=128579"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}