T\u0259tbiq olunan yeni mexanizm biznes subyektl\u0259rinin maliyy\u0259 resurslar\u0131na \u00e7\u0131x\u0131\u015f imkanlar\u0131n\u0131n daha da geni\u015fl\u0259nm\u0259sin\u0259, investisiya f\u0259all\u0131\u011f\u0131n\u0131n, iqtisadi art\u0131m\u0131n v\u0259 m\u0259\u015f\u011fullu\u011fun d\u0259st\u0259kl\u0259nm\u0259sin\u0259 \u0259h\u0259miyy\u0259tli t\u00f6hf\u0259 ver\u0259c\u0259k.<\/p>\n
Bundan ba\u015fqa, k\u0259nd t\u0259s\u0259rr\u00fcfat\u0131 \u00fczr\u0259 uzunm\u00fcdd\u0259tli investisiya t\u0259l\u0259b ed\u0259n sah\u0259l\u0259rd\u0259 (m\u0259s\u0259l\u0259n,\u00a0\u00e7ay\u00e7\u0131l\u0131q, ba\u011f\u00e7\u0131l\u0131q v\u0259 s.) ki\u00e7ik h\u0259cmli kreditl\u0259r \u00fczr\u0259 kredit m\u00fcdd\u0259ti \u00fc\u00e7 ild\u0259n be\u015f il\u0259, orta h\u0259cmli kreditl\u0259r \u00fczr\u0259 be\u015f ild\u0259n yeddi il\u0259d\u0259k art\u0131r\u0131l\u0131b v\u0259 kredit d\u00f6vr\u00fcn\u00fcn yar\u0131s\u0131 g\u00fcz\u0259\u015ft m\u00fcdd\u0259ti olaraq t\u0259sbit edilib. Mexanizmin t\u0259tbiqind\u0259 \u0259sas m\u0259qs\u0259d kredit riskl\u0259rinin azald\u0131lmas\u0131, ki\u00e7ik v\u0259 orta sahibkarlar\u0131n g\u00fcz\u0259\u015ftli kreditl\u0259r\u0259 \u00e7\u0131x\u0131\u015f imkanlar\u0131n\u0131n art\u0131r\u0131lmas\u0131d\u0131r.<\/p>\n
T\u0259sdiq edilmi\u015f dig\u0259r mexanizm fors-major hadis\u0259 (t\u0259bii f\u0259lak\u0259tl\u0259r, epidemiyalar v\u0259 s.) il\u0259 ba\u011fl\u0131 \u015f\u0259raitin d\u0259yi\u015fm\u0259si s\u0259b\u0259bind\u0259n Sahibkarl\u0131\u011f\u0131n \u0130nki\u015faf\u0131 Fondunun M\u00fc\u015fahid\u0259 \u015euras\u0131n\u0131n m\u00fc\u0259yy\u0259n etdiyi qaydada kredit t\u0259\u015fkilatlar\u0131n\u0131n Fond qar\u015f\u0131s\u0131ndak\u0131 borc \u00f6hd\u0259liyinin z\u0259ruri hallarda restrukturizasiya olunmas\u0131, kredit \u00f6hd\u0259liyin icras\u0131na m\u00f6hl\u0259t verilm\u0259sidir.<\/p>\n
F\u0259rmanla Sahibkarl\u0131\u011f\u0131n \u0130nki\u015faf\u0131 Fondunun nizamnam\u0259sind\u0259 \u0259lav\u0259 v\u0259 d\u0259yi\u015fiklikl\u0259r edil\u0259r\u0259k, f\u0259aliyy\u0259t istiqam\u0259tl\u0259rin\u0259 z\u0259man\u0259t v\u0259 subsidiya verilm\u0259si mexanizml\u0259ri d\u0259 \u0259lav\u0259 olunub.<\/p>\n
Bununla yana\u015f\u0131, sahibkarlara t\u0259qdim olunan yeni kreditl\u0259r \u00fczr\u0259 d\u00f6vl\u0259t z\u0259man\u0259tinin verilm\u0259si v\u0259 h\u0259min kreditl\u0259r \u00fczr\u0259 faizl\u0259rin subsidiyala\u015fd\u0131r\u0131lmas\u0131, el\u0259c\u0259 d\u0259 m\u00f6vcud kredit borcu olan sahibkarlar\u0131n kredit faizl\u0259rinin bir hiss\u0259sinin d\u00f6vl\u0259t t\u0259r\u0259find\u0259n maliyy\u0259l\u0259\u015fdirilm\u0259si mexanizml\u0259rinin t\u0259tbiqin\u0259 ba\u015flan\u0131l\u0131b.<\/p>\n
Bel\u0259 ki, qeyri-neft sektoruna investisiya qoyulu\u015flar\u0131n\u0131n v\u0259 \u00f6z\u0259l sektorda f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n sahibkarl\u0131q subyektl\u0259rinin maliyy\u0259 resurslar\u0131na \u00e7\u0131x\u0131\u015f imkanlar\u0131n\u0131n art\u0131r\u0131lmas\u0131, el\u0259c\u0259 d\u0259, koronavirus pandemiyas\u0131n\u0131n i\u015fg\u00fczar m\u00fchit\u0259 v\u0259 iqtisadi f\u0259all\u0131\u011fa t\u0259sirinin minimuma endirilm\u0259si m\u0259qs\u0259dil\u0259 m\u00f6vcud maliyy\u0259 mexanizml\u0259rinin geni\u015fl\u0259ndirilm\u0259si v\u0259 \u0259lav\u0259 d\u0259st\u0259k al\u0259tl\u0259ri t\u0259tbiq olunacaq.<\/p>\n
Biznes kreditl\u0259rin\u0259 d\u00f6vl\u0259t z\u0259man\u0259tinin verilm\u0259si v\u0259 h\u0259min kreditl\u0259r \u00fczr\u0259 faizl\u0259rin subsidiyala\u015fd\u0131r\u0131lmas\u0131 mexanizmin\u0259 \u0259sas\u0259n, 500 milyon manat h\u0259cmind\u0259 yeni biznes krediti portfelinin 60 faiz\u0259d\u0259k hiss\u0259sin\u0259 d\u00f6vl\u0259t z\u0259man\u0259ti verilir, h\u0259m\u00e7inin h\u0259min kreditl\u0259rin illik faiz d\u0259r\u0259c\u0259sinin 50 faizi d\u00f6vl\u0259t t\u0259r\u0259find\u0259n maliyy\u0259l\u0259\u015fdirilir. Bu mexanizm m\u00fcdd\u0259ti \u00fc\u00e7 il\u0259d\u0259k, illik faiz d\u0259r\u0259c\u0259si 15 faizd\u0259n \u00e7ox olmayan kreditl\u0259r\u0259 \u015famil edilir. Bu kreditl\u0259r \u00fczr\u0259 g\u00fcz\u0259\u015ft m\u00fcdd\u0259ti 12 aya q\u0259d\u0259rdir.<\/p>\n Qeyd olunan mexanizmin t\u0259tbiqind\u0259 sahibkarl\u0131q subyektl\u0259rinin maliyy\u0259 resurslar\u0131na \u00e7\u0131x\u0131\u015f imkanlar\u0131n\u0131n daha da asanla\u015fd\u0131r\u0131lmas\u0131, kredit sifari\u015fl\u0259rin\u0259 q\u0131sa zaman \u0259rzind\u0259 bax\u0131lmas\u0131, m\u00fcraci\u0259tl\u0259rin q\u0259bulu, kredit t\u0259\u015fkilatlar\u0131 v\u0259 Sahibkarl\u0131\u011f\u0131n \u0130nki\u015faf\u0131 Fondu t\u0259r\u0259find\u0259n z\u0259ruri t\u0259hlill\u0259rin apar\u0131lmas\u0131 v\u0259 q\u0259rarlar\u0131n sahibkarlara \u00e7atd\u0131r\u0131lmas\u0131 kimi prosesl\u0259r \u0130qtisadiyyat Nazirliyi t\u0259r\u0259find\u0259n haz\u0131rlanan v\u0259 ilk d\u0259f\u0259 t\u0259tbiq olunan Elektron Kredit Platformas\u0131 (www.e-edf.gov.az<\/a>) vasit\u0259sil\u0259 h\u0259yata ke\u00e7irilir.<\/p>\n Bel\u0259 ki, d\u00f6vl\u0259t z\u0259man\u0259ti veril\u0259n krediti \u0259ld\u0259 etm\u0259k ist\u0259y\u0259n sahibkar\u00a0Elektron Kredit Platformas\u0131na (www.e-edf.gov.az)<\/strong>\u00a0z\u0259ruri m\u0259lumatlar\u0131 daxil edir, m\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131n\u0131 se\u00e7ir v\u0259 biznes-plan\u0131na uy\u011fun olaraq kredit m\u0259bl\u0259\u011fini qeyd etm\u0259kl\u0259 m\u00fcraci\u0259tini t\u0259sdiql\u0259yir.<\/p>\n Sahibkarl\u0131q subyektinin m\u00fcraci\u0259tin\u0259 s\u00fcr\u0259tli kredit (200 000 manatad\u0259k) \u00fczr\u0259 yeddi i\u015f g\u00fcn\u00fc, \u0259n\u0259n\u0259vi kredit \u00fczr\u0259 is\u0259 10 i\u015f g\u00fcn\u00fc \u0259rzind\u0259 bax\u0131l\u0131r. F\u0259aliyy\u0259t sah\u0259si pandemiyadan z\u0259r\u0259r \u00e7\u0259kmi\u015f iqtisadi f\u0259aliyy\u0259t n\u00f6vl\u0259rin\u0259 aid olan sahibkarl\u0131q subyektinin m\u00fcraci\u0259tin\u0259 imtina veril\u0259rs\u0259, s\u0259b\u0259b kimi qeyd olunan \u00e7at\u0131\u015fmazl\u0131qlar\u0131 aradan qald\u0131rd\u0131qdan sonra, sahibkar\u0131n h\u0259min v\u0259 ya dig\u0259r m\u00fcv\u0259kkil bank vasit\u0259sil\u0259 yenid\u0259n m\u00fcraci\u0259t etm\u0259k h\u00fcququ var.<\/p>\n Biznes kreditl\u0259rinin bu elektron sistem vasit\u0259sil\u0259 verilm\u0259si sahibkarlar \u00fc\u00e7\u00fcn bir s\u0131ra \u00fcst\u00fcnl\u00fckl\u0259r yarad\u0131r. Sahibkarlar biznes kreditl\u0259ri \u00fc\u00e7\u00fcn onlayn rejimd\u0259 m\u00fcraci\u0259t edir, onlar\u0131n m\u00fcraci\u0259tl\u0259rin\u0259 m\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131 v\u0259 \u0130qtisadiyyat Nazirliyind\u0259 eyni vaxtda bax\u0131l\u0131r, m\u00fcraci\u0259tl\u0259rin statusunun real vaxt rejimind\u0259 izl\u0259nm\u0259si imkan\u0131 yarad\u0131l\u0131r.<\/p>\n Elektron Kredit Platformas\u0131n\u0131n t\u0259tbiqi il\u0259, h\u0259m\u00e7inin, kreditl\u0259rin \u0259ld\u0259 olunmas\u0131nda \u00e7eviklik v\u0259 \u015f\u0259ffafl\u0131q, sahibkarlar \u00fc\u00e7\u00fcn b\u0259rab\u0259r \u015f\u0259rait t\u0259min edil\u0259c\u0259k, sa\u011flam r\u0259qab\u0259t m\u00fchiti formala\u015fd\u0131r\u0131lacaq, sahibkarlar\u0131n kreditl\u0259r\u0259 \u00e7\u0131x\u0131\u015f imkanlar\u0131 geni\u015fl\u0259ndiril\u0259c\u0259k, s\u0259rf olunan vaxta v\u0259 x\u0259rcl\u0259r\u0259 q\u0259na\u0259t olunacaq.<\/strong><\/p>\n T\u0259tbiq edil\u0259n dig\u0259r yeni mexanizm\u0259 uy\u011fun olaraq, pandemiyadan z\u0259r\u0259r \u00e7\u0259kmi\u015f sah\u0259l\u0259rd\u0259 f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n sahibkarlar\u0131n d\u00f6vl\u0259t z\u0259man\u0259ti olmayan m\u00f6vcud bir milyard manat kredit portfeli \u00fczr\u0259 10 mart 2020-ci il\u0259d\u0259k manatla ald\u0131qlar\u0131 kreditl\u0259rin illik faiz d\u0259r\u0259c\u0259sinin 10 faiz b\u0259ndi mart ay\u0131ndan ba\u015flayaraq, 12 ay \u0259rzind\u0259 d\u00f6vl\u0259t t\u0259r\u0259find\u0259n maliyy\u0259l\u0259\u015fdirilir.<\/p>\n Bu mexanizm kreditl\u0259rin m\u00fcdd\u0259tind\u0259n v\u0259 faiz d\u0259r\u0259c\u0259sind\u0259n as\u0131l\u0131 olmayaraq t\u0259tbiq edilir. Bu mexanizmin t\u0259tbiqi z\u0259r\u0259r \u00e7\u0259kmi\u015f sahibkarlar\u0131n maliyy\u0259 y\u00fck\u00fcn\u00fcn azald\u0131lmas\u0131nda \u0259h\u0259miyy\u0259tli rol oynayacaq.<\/p>\n \u00dcmumilikd\u0259 qeyd olunan proqramlar\u0131n icras\u0131 iqtisadi aktivliyin b\u0259rpa olunmas\u0131, sahibkarlar\u0131n, x\u00fcsusil\u0259 d\u0259 ki\u00e7ik v\u0259 orta sahibkarlar\u0131n maliyy\u0259 \u0259l\u00e7atanl\u0131\u011f\u0131n\u0131n art\u0131r\u0131lmas\u0131, pandemiyadan z\u0259r\u0259r \u00e7\u0259kmi\u015f f\u0259aliyy\u0259t sah\u0259l\u0259rin\u0259 investisiya qoyulu\u015funun s\u00fcr\u0259tl\u0259ndirilm\u0259si v\u0259 bu f\u0259aliyy\u0259t sah\u0259l\u0259ri \u00fczr\u0259 m\u0259\u015f\u011fullu\u011fun qorunub saxlanmas\u0131, maliyy\u0259 riskl\u0259rinin b\u00f6l\u00fc\u015fd\u00fcr\u00fclm\u0259si, maliyy\u0259-bank sektorunun canlanmas\u0131, pandemiyadan z\u0259r\u0259r \u00e7\u0259kmi\u015f sahibkarlar\u0131n maliyy\u0259 v\u0259ziyy\u0259tinin yax\u015f\u0131la\u015fd\u0131r\u0131lmas\u0131, bank sektorunda likvidlik v\u0259 problemli kreditl\u0259rin h\u0259cminin y\u00fcks\u0259lm\u0259si riskl\u0259rinin aradan qald\u0131r\u0131lmas\u0131na imkan yaradacaq.<\/p>\n<\/a><\/p>\n
<\/p>\n
<\/p>\n
<\/p>\n