Az\u0259rbaycanda COVID-19 pandemiyas\u0131ndan t\u0259sirl\u0259n\u0259n iqtisadiyyat\u0131n qeyri-neft sektorunun \u0259sas istiqam\u0259tl\u0259rini d\u0259st\u0259kl\u0259y\u0259n proqramlar\u0131n icras\u0131 geni\u015fl\u0259ndirilir. Orta m\u00fcdd\u0259t \u00fc\u00e7\u00fcn \u0259n vacib v\u0259zif\u0259 ki\u00e7ik v\u0259 orta biznesin (KOB) maliyy\u0259l\u0259\u015fdirilm\u0259sinin geni\u015fl\u0259ndirilm\u0259si v\u0259 yeni kredit mexanizml\u0259rinin t\u0259tbiq olunmas\u0131d\u0131r. Ayd\u0131nd\u0131r ki, karantind\u0259n sonrak\u0131 d\u00f6vrd\u0259 KOB-lar\u0131n maliyy\u0259l\u0259\u015fdirilm\u0259sind\u0259 \u0259sas rol d\u00f6vl\u0259t fondlar\u0131na v\u0259 h\u0259r \u015feyd\u0259n \u0259vv\u0259l Az\u0259rbaycan \u0130qtisadiyyat Nazirliyi yan\u0131nda Sahibkarl\u0131\u011f\u0131n \u0130nki\u015faf\u0131 Fonduna (S\u0130F) veril\u0259c\u0259k. Son zamanlar S\u0130F-in kreditl\u0259\u015fm\u0259 f\u0259aliyy\u0259tini optimalla\u015fd\u0131rmaq \u00fc\u00e7\u00fcn kreditl\u0259rin qaytar\u0131lmas\u0131 m\u00fcdd\u0259ti \u0259h\u0259miyy\u0259tli d\u0259r\u0259c\u0259d\u0259 art\u0131r\u0131l\u0131b, girov prosedurlar\u0131 sad\u0259l\u0259\u015fdirilib\u00a0v\u0259 sahibkarlara veril\u0259n\u00a0kreditl\u0259r \u00fc\u00e7\u00fcn z\u0259man\u0259t v\u0259 subsidiyalar\u0131n t\u0259qdim olunmas\u0131 mexanizml\u0259ri \u0259lav\u0259 edilib.<\/p>\n
Neft b\u00f6hran\u0131n\u0131n v\u0259 koronavirus pandemiyas\u0131n\u0131n Az\u0259rbaycan iqtisadiyyat\u0131na m\u0259nfi t\u0259siri sahibkarl\u0131\u011f\u0131n maliyy\u0259l\u0259\u015fdirilm\u0259si sah\u0259sind\u0259 d\u0259 \u0259tal\u0259t prosesl\u0259rini ist\u0259r-ist\u0259m\u0259z g\u00fccl\u0259ndirib. M\u00f6vcud \u00e7\u0259tin \u015f\u0259raitd\u0259 bank kreditl\u0259\u015fm\u0259sinin s\u00fcr\u0259tl\u0259 artmas\u0131na \u00fcmid etm\u0259k olmur, \u00fcst\u0259lik\u00a0banklar\u0131n portfelind\u0259 aqrar\u00a0v\u0259 s\u0259naye sah\u0259l\u0259ri \u00fc\u00e7\u00fcn veril\u0259n kreditl\u0259r nisb\u0259t\u0259n az yer tutur.<\/p>\n
M\u00f6vcud \u015f\u0259raitd\u0259 \u0130qtisadiyyat Nazirliyinin t\u0259rkibind\u0259 f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n Sahibkarl\u0131\u011f\u0131n \u0130nki\u015faf\u0131 Fondu\u00a0sahibkarlar\u0131 a\u015fa\u011f\u0131 faizli v\u0259 \u201cuzun\u201d borc v\u0259saiti il\u0259 t\u0259min ed\u0259n apar\u0131c\u0131 donor olaraq qal\u0131r.<\/p>\n
Bu ill\u0259r \u0259rzind\u0259 KOB-un 37 200 subyektin\u0259 fonddan 2 milyard 300 milyon manata yax\u0131n g\u00fcz\u0259\u015ftli kredit verilib ki, bu da d\u00f6vl\u0259tin g\u00fcz\u0259\u015ftli maliyy\u0259l\u0259\u015fdirm\u0259sinin \u00fc\u00e7d\u0259 bir hiss\u0259sind\u0259n \u00e7oxdur. S\u0130F v\u0259saitinin y\u00f6n\u0259ldildiyi sah\u0259l\u0259r\u0259 g\u0259linc\u0259, g\u00fcz\u0259\u015ftli kreditl\u0259rin t\u0259xmin\u0259n 70 faizi fermer t\u0259s\u0259rr\u00fcfatlar\u0131na, k\u0259nd t\u0259s\u0259rr\u00fcfat\u0131 m\u0259hsullar\u0131n\u0131n emal\u0131 il\u0259 m\u0259\u015f\u011ful olan subyektl\u0259r\u0259 verilib, h\u0259m\u00e7inin aqrar infrastruktur v\u0259 logistikan\u0131n inki\u015faf\u0131 \u00fc\u00e7\u00fcn m\u00fcxt\u0259lif t\u0259yinatl\u0131 layih\u0259l\u0259r\u0259 ayr\u0131l\u0131b.<\/p>\n
Bu g\u00fcn, qlobal iqtisadi resessiyan\u0131n m\u0259nfi t\u0259sirini aradan qald\u0131rmaq ehtiyac\u0131\u00a0n\u0259z\u0259r\u0259 al\u0131naraq, S\u0130F-\u0259\u00a0COVID-19 pandemiyas\u0131n\u0131n m\u0259nfi t\u0259siri il\u0259 \u00fczl\u0259\u015f\u0259n bir s\u0131ra sah\u0259l\u0259r\u0259 d\u0259st\u0259k ver\u0259n yeni v\u0259zif\u0259l\u0259r h\u0259val\u0259 edilib, habel\u0259 aqrar sektora g\u00fcz\u0259\u015ftli kredit verm\u0259 imkanlar\u0131 daha da art\u0131r\u0131l\u0131b.<\/p>\n
Fondun f\u0259aliyy\u0259tind\u0259 islahat m\u0259qs\u0259dil\u0259 Az\u0259rbaycan Nazirl\u0259r Kabineti Az\u0259rbaycan Prezidentinin 4 aprel 2020-ci il tarixli \u201cKoronavirus (COVID-19) pandemiyas\u0131n\u0131n v\u0259 bundan ir\u0259li g\u0259l\u0259r\u0259k d\u00fcnya enerji v\u0259 s\u0259hm bazarlar\u0131nda ba\u015f ver\u0259n k\u0259skin dal\u011falanmalar\u0131n Az\u0259rbaycan Respublikas\u0131n\u0131n iqtisadiyyat\u0131na, makroiqtisadi sabitliy\u0259, \u00f6lk\u0259d\u0259 m\u0259\u015f\u011fulluq m\u0259s\u0259l\u0259l\u0259rin\u0259 v\u0259 sahibkarl\u0131q subyektl\u0259rin\u0259 m\u0259nfi t\u0259sirinin azald\u0131lmas\u0131 il\u0259 ba\u011fl\u0131 bir s\u0131ra t\u0259dbirl\u0259r haqq\u0131nda\u201d F\u0259rman\u0131n\u0131n icras\u0131 il\u0259 ba\u011fl\u0131 T\u0259dbirl\u0259r Plan\u0131n\u0131 t\u0259sdiq edib.<\/p>\n
Bu plan\u0131n icras\u0131 zaman\u0131 \u0130qtisadiyyat Nazirliyi \u201cSahibkarl\u0131\u011f\u0131n \u0130nki\u015faf\u0131 Fondunun v\u0259saiti hesab\u0131na g\u00fcz\u0259\u015ftli kreditl\u0259rin verilm\u0259si Qaydas\u0131\u201dna d\u00fcz\u0259li\u015fl\u0259rl\u0259 ba\u011fl\u0131\u00a0t\u0259klifl\u0259r paketi haz\u0131rlay\u0131b, h\u0259m\u00e7inin d\u00f6vl\u0259t ba\u015f\u00e7\u0131s\u0131 t\u0259r\u0259find\u0259n 4 iyun 2020-ci il tarixli s\u0259r\u0259ncam\u0131 il\u0259 t\u0259sdiq edilmi\u015f Fondun Nizamnam\u0259sin\u0259 d\u0259 d\u0259yi\u015fiklikl\u0259r edilib.<\/p>\n
Kreditl\u0259\u015fm\u0259\u00a0\u015f\u0259rtl\u0259rind\u0259 \u0259n vacib d\u0259yi\u015fiklikl\u0259r aras\u0131nda investisiyan\u0131n m\u00fcqayis\u0259 olunacaq d\u0259r\u0259c\u0259d\u0259 uzun gerid\u00f6nm\u0259si t\u0259l\u0259b olunan sektorlara v\u0259saitl\u0259rin verilm\u0259 m\u00fcdd\u0259tini art\u0131rma\u011f\u0131 g\u00f6st\u0259rm\u0259k olar.<\/p>\n
Bel\u0259 ki, k\u0259nd t\u0259s\u0259rr\u00fcfat\u0131 sah\u0259l\u0259rind\u0259 (m\u0259s\u0259l\u0259n, \u00e7ay\u00e7\u0131l\u0131q, \u00fcz\u00fcm\u00e7\u00fcl\u00fck, ba\u011f\u00e7\u0131l\u0131q v\u0259 s.) kreditl\u0259rin verilm\u0259 m\u00fcdd\u0259ti \u0259lav\u0259 iki il uzad\u0131l\u0131b. X\u00fcsusil\u0259 ki\u00e7ik kreditl\u0259r (5000 manatdan 50 000 manata q\u0259d\u0259r) \u00fc\u00e7\u00fcn \u00f6d\u0259m\u0259 m\u00fcdd\u0259ti \u00fc\u00e7 ild\u0259n be\u015f il\u0259d\u0259k, orta kreditl\u0259r \u00fczr\u0259 (50 000-d\u0259n yuxar\u0131 v\u0259 1 000 000 manata q\u0259d\u0259r) be\u015f ild\u0259n yeddi il\u0259d\u0259k art\u0131r\u0131l\u0131b. \u0130ri kreditl\u0259rin verilm\u0259si qaydalar\u0131 \u0259vv\u0259lki kimi qal\u0131b: 1 000 000 manatdan 10 000 000 manata q\u0259d\u0259r borc sahibkarlara 10 il m\u00fcdd\u0259tin\u0259 t\u0259qdim olunur.<\/p>\n
Bu add\u0131m t\u0259kc\u0259 uzunm\u00fcdd\u0259tli investisiya t\u0259l\u0259b ed\u0259n k\u0259nd t\u0259s\u0259rr\u00fcfat\u0131 sektorlar\u0131 \u00fc\u00e7\u00fcn \u00e7ox c\u0259lbedici deyil. Perspektivd\u0259 h\u0259min sxem s\u0259naye v\u0259 emal sah\u0259l\u0259rind\u0259 u\u011furla t\u0259tbiq oluna bil\u0259r, \u00e7\u00fcnki \u0259sasl\u0131 tikinti, texnoloji avadanl\u0131qlar\u0131n montaj\u0131 v\u0259 seriya istehsal\u0131n qurulmas\u0131 \u00fc\u00e7\u00fcn t\u0259l\u0259b olunan vaxt n\u0259z\u0259r\u0259 al\u0131nmaqla, layih\u0259l\u0259rin \u00f6z\u00fcn\u00fc \u00f6d\u0259m\u0259si prosesi xeyli gecikir.<\/p>\n
Maraql\u0131d\u0131r ki, Az\u0259rbaycan banklar\u0131n\u0131n b\u00f6y\u00fck \u0259ks\u0259riyy\u0259ti riskl\u0259rd\u0259n qa\u00e7maq \u00fc\u00e7\u00fcn \u00f6z v\u0259saitl\u0259ri hesab\u0131na istehsal layih\u0259l\u0259rinin\u00a0kreditl\u0259\u015fm\u0259si\u00a0bar\u0259sind\u0259 konservativ siyas\u0259t apar\u0131r v\u0259 bu c\u00fcr kreditl\u0259rin verilm\u0259si m\u00fcdd\u0259ti nadir hallarda 3-5 ild\u0259n \u00e7ox olur. Bel\u0259likl\u0259, S\u0130F kreditl\u0259rinin t\u0259qdim edilm\u0259si\u00a0m\u00fcdd\u0259tinin d\u0259yi\u015fdirilm\u0259si agent banklara v\u0259 onlar\u0131n m\u00fc\u015ft\u0259ril\u0259rin\u0259 \u201cuzun\u201d pullar\u0131 idar\u0259 etm\u0259k \u00fc\u00e7\u00fcn \u0259la f\u00fcrs\u0259t yaradacaq.<\/p>\n
Fondun f\u0259aliyy\u0259tind\u0259ki eyni d\u0259r\u0259c\u0259d\u0259 \u0259h\u0259miyy\u0259tli d\u0259yi\u015fiklik sahibkarlara girov t\u0259minat\u0131 olmadan istehsal avadanl\u0131\u011f\u0131 almaq \u00fc\u00e7\u00fcn g\u00fcz\u0259\u015ftli kreditl\u0259r verm\u0259y\u0259 imkan yaradan yeni maliyy\u0259 al\u0259tinin q\u0259bul edilm\u0259si olub. Bu mexanizm\u0259 g\u00f6r\u0259, girov funksiyas\u0131n\u0131 kreditl\u0259 t\u0259chiz edilmi\u015f avadanl\u0131q \u00f6z\u00fc yerin\u0259 yetir\u0259c\u0259k. Bu sxem\u00a0lizinq maliyy\u0259l\u0259\u015fdirm\u0259 qaydalar\u0131na daha \u00e7ox b\u0259nz\u0259yir ki, bu da biznesin borc v\u0259saitl\u0259rin\u0259 \u00e7\u0131x\u0131\u015f\u0131n\u0131 \u0259h\u0259miyy\u0259tli d\u0259r\u0259c\u0259d\u0259 geni\u015fl\u0259ndirir. Sahibkar avadanl\u0131\u011f\u0131n d\u0259y\u0259rinin 20 faizini \u00f6d\u0259yir, qalan hiss\u0259sinin \u00f6d\u0259nilm\u0259si \u00fc\u00e7\u00fcn is\u0259 S\u0130F-in\u00a0g\u00fcz\u0259\u015ftli v\u0259saitind\u0259n istifad\u0259 ed\u0259 bil\u0259r.<\/p>\n
Bu d\u00fcz\u0259li\u015fin d\u0259y\u0259rini qiym\u0259tl\u0259ndirm\u0259m\u0259k \u00e7\u0259tindir, \u00e7\u00fcnki kredit alark\u0259n banklar\u0131n t\u0259l\u0259bl\u0259rind\u0259n biri d\u0259y\u0259ri b\u0259z\u0259n kreditin h\u0259cmind\u0259n \u00e7ox olan likvid girov t\u0259minat\u0131d\u0131r. Bununla yana\u015f\u0131, yeni maliyy\u0259l\u0259\u015fdirm\u0259 mexanizmi banklar\u0131n \u00f6zl\u0259ri \u00fc\u00e7\u00fcn c\u0259lbedici olacaq, \u00e7\u00fcnki bel\u0259 kreditl\u0259r \u00fczr\u0259 g\u0259lirl\u0259r Fondun borc resurslar\u0131 s\u0259viyy\u0259sind\u0259n daha y\u00fcks\u0259k (5%) olacaq.<\/p>\n
S\u0130F kreditl\u0259\u015fm\u0259sinin nizamnam\u0259sin\u0259 v\u0259 qaydalar\u0131na edil\u0259n d\u0259yi\u015fiklikl\u0259r\u00a0Sahibkarl\u0131\u011f\u0131n \u0130nki\u015faf\u0131 Fonduna d\u00f6vl\u0259t z\u0259man\u0259tl\u0259ri v\u0259 subsidiyalar verm\u0259k \u00fc\u00e7\u00fcn yeni s\u0259lahiyy\u0259tl\u0259r verilm\u0259si il\u0259 d\u0259 \u0259laq\u0259dard\u0131r ki, bu, sahibkarlara kredit verm\u0259kd\u0259 \u0259lav\u0259 imkanlar yarad\u0131r.<\/p>\n
Bu yax\u0131nlarda Nazirl\u0259r Kabineti\u00a0COV\u0130D-19 pandemiyas\u0131ndan \u0259n \u00e7ox t\u0259sirl\u0259n\u0259n v\u0259 bu bax\u0131mdan t\u0259tbiq olunan karantin m\u0259hdudiyy\u0259tl\u0259rin\u0259 m\u0259ruz qalan iqtisadiyyat sah\u0259l\u0259rini d\u0259st\u0259kl\u0259m\u0259k \u00fc\u00e7\u00fcn\u00a0d\u00f6vl\u0259t proqram\u0131 q\u0259bul edib. D\u00f6vl\u0259t h\u0259min m\u0259qs\u0259dl\u0259r \u00fc\u00e7\u00fcn 500 milyon manat ay\u0131r\u0131b v\u0259 bu v\u0259saitl\u0259rin sonrak\u0131 b\u00f6lg\u00fcs\u00fc d\u0259 S\u0130F-in v\u0259zif\u0259l\u0259rin\u0259 daxil edilib.<\/p>\n
X\u00fcsusil\u0259, yeni kreditl\u0259r \u00fc\u00e7\u00fcn d\u00f6vl\u0259t z\u0259man\u0259tl\u0259rinin verilm\u0259si v\u0259 bu kreditl\u0259r \u00fczr\u0259 faiz d\u0259r\u0259c\u0259l\u0259rinin subsidiyas\u0131, habel\u0259 cari kredit borcu olan sahibkarlar\u0131n kredit faizl\u0259rinin bir hiss\u0259sinin d\u00f6vl\u0259t t\u0259r\u0259find\u0259n maliyy\u0259l\u0259\u015fdirilm\u0259si mexanizml\u0259ri t\u0259tbiq olunur.<\/p>\n
Bel\u0259 ki, biznes kreditl\u0259ri \u00fc\u00e7\u00fcn d\u00f6vl\u0259t z\u0259man\u0259tl\u0259rinin verilm\u0259si v\u0259 faiz d\u0259r\u0259c\u0259l\u0259rinin subsidiyas\u0131 il\u0259 yeni portfelin bir hiss\u0259sinin (60%-\u0259 q\u0259d\u0259r) 500 milyon manat m\u0259bl\u0259\u011find\u0259 d\u00f6vl\u0259t z\u0259man\u0259ti verilir v\u0259 bu kreditl\u0259r \u00fczr\u0259 illik faiz d\u0259r\u0259c\u0259sinin 50 faizi d\u00f6vl\u0259t t\u0259r\u0259find\u0259n maliyy\u0259l\u0259\u015fdirilir. Bu mexanizm \u00fc\u00e7 il\u0259 q\u0259d\u0259r veril\u0259n illik faiz d\u0259r\u0259c\u0259si 15 faizd\u0259n \u00e7ox olmayan kreditl\u0259r\u0259 t\u0259tbiq olunur. H\u0259min kreditl\u0259r \u00fc\u00e7\u00fcn g\u00fcz\u0259\u015ft m\u00fcdd\u0259ti 12 aya q\u0259d\u0259rdir.<\/p>\n
Dig\u0259r bir mexanizm\u00a0kredit t\u0259\u015fkilatlar\u0131n\u0131n Fond qar\u015f\u0131s\u0131nda borc \u00f6hd\u0259likl\u0259rinin restrukturizasiyas\u0131, habel\u0259 fors-major v\u0259ziyy\u0259tl\u0259r (t\u0259bii f\u0259lak\u0259tl\u0259r, epidemiyalar v\u0259 s.) s\u0259b\u0259bind\u0259n \u015f\u0259rtl\u0259rin d\u0259yi\u015fm\u0259si hal\u0131nda kredit \u00f6hd\u0259liyinin yerin\u0259 yetirilm\u0259sinin t\u0259xir\u0259 sal\u0131nmas\u0131n\u0131n t\u0259min edilm\u0259sini \u0259hat\u0259 edir. Sonuncu\u00a0riskli \u0259kin\u00e7ilik zonas\u0131nda yerl\u0259\u015f\u0259n Az\u0259rbaycan \u00fc\u00e7\u00fcn son d\u0259r\u0259c\u0259 vacibdir: quraql\u0131q v\u0259 suvarma suyunun \u00e7at\u0131\u015fmazl\u0131\u011f\u0131, \u015foranla\u015fma v\u0259 torpaq eroziyas\u0131, m\u00fct\u0259madi da\u015fq\u0131nlar v\u0259 sell\u0259r, dem\u0259k olar ki, h\u0259r il yerli fermerl\u0259rin \u00fczl\u0259\u015fdikl\u0259ri probleml\u0259rin h\u0259l\u0259 tam siyah\u0131s\u0131 deyil. Y\u0259ni indi bank \u00f6d\u0259ni\u015fl\u0259rind\u0259 t\u0259xir\u0259salmalar olarsa, yerli fermerl\u0259r Fonddak\u0131 borclar\u0131 etibarl\u0131 \u015f\u0259kild\u0259 art\u0131ra bil\u0259c\u0259kl\u0259r.<\/p>\n
\u00d6z n\u00f6vb\u0259sind\u0259, Sahibkarl\u0131\u011f\u0131n \u0130nki\u015faf\u0131 Fondunun kreditl\u0259\u015fm\u0259 qaydalar\u0131na edil\u0259n d\u0259yi\u015fiklikl\u0259r\u0259 \u0259sas\u0259n, pandemiyadan \u0259ziyy\u0259t \u00e7\u0259k\u0259n sah\u0259l\u0259rd\u0259 \u00e7al\u0131\u015fan sahibkarlara d\u0259st\u0259k \u00fc\u00e7\u00fcn daha bir mexanizm t\u0259tbiq olunacaq. D\u0259yi\u015fiklikl\u0259r\u0259 \u0259sas\u0259n, 10 mart 2020-ci il\u0259 q\u0259d\u0259r manatla al\u0131nan kreditl\u0259r \u00fczr\u0259 illik faiz d\u0259r\u0259c\u0259sinin 10%-i (bu kredit portfeli 1 milyard manat hesablan\u0131r) 12 ay m\u00fcdd\u0259tind\u0259 d\u00f6vl\u0259t t\u0259r\u0259find\u0259n maliyy\u0259l\u0259\u015fdiril\u0259c\u0259k. Bu mexanizm\u00a0kreditin verildiyi m\u00fcdd\u0259td\u0259n v\u0259 ya faiz d\u0259r\u0259c\u0259sind\u0259n as\u0131l\u0131 olmayaraq t\u0259tbiq edil\u0259c\u0259k. H\u0259min m\u0259qs\u0259dl\u0259 100 milyon manat v\u0259sait ayr\u0131l\u0131r, bunun yar\u0131s\u0131 SIF t\u0259r\u0259find\u0259n t\u0259min edil\u0259c\u0259k, qalan hiss\u0259si d\u00f6vl\u0259t b\u00fcdc\u0259sind\u0259n maliyy\u0259l\u0259\u015fdiril\u0259c\u0259k.<\/p>\n
\u00dcmumiyy\u0259tl\u0259, yeni S\u0130F kredit mexanizml\u0259rinin t\u0259tbiqi pandemiyadan \u0259ziyy\u0259t \u00e7\u0259k\u0259n sahibkarlar\u0131n\u00a0y\u00fck\u00fcn\u00fc \u0259h\u0259miyy\u0259tli d\u0259r\u0259c\u0259d\u0259 azaldacaq, eyni zamanda kredit t\u0259\u015fkilatlar\u0131n\u0131n likvidliyin\u0259, riskl\u0259ri azaltma\u011fa v\u0259 b\u00fct\u00f6vl\u00fckd\u0259, maliyy\u0259 sektorunun canlanmas\u0131na m\u00fcsb\u0259t t\u0259sir g\u00f6st\u0259r\u0259c\u0259k. M\u00fct\u0259x\u0259ssisl\u0259rin fikrinc\u0259, KOB subyektl\u0259rinin maliyy\u0259 m\u0259nb\u0259l\u0259rin\u0259 \u00e7\u0131x\u0131\u015f\u0131n\u0131n asanla\u015fd\u0131r\u0131lmas\u0131\u00a0pandemiyadan \u0259ziyy\u0259t \u00e7\u0259k\u0259n sah\u0259l\u0259r\u0259 investisiyalar\u0131n artmas\u0131na v\u0259 i\u015f yerl\u0259rinin qorunmas\u0131na k\u00f6m\u0259k edir.<\/p>\n
Geni\u015f m\u0259nada\u00a0h\u00f6kum\u0259tin t\u0259klif etdiyi proqramlar\u0131n icras\u0131 iqtisadiyyat\u0131n qeyri-neft sektorunda iqtisadi f\u0259aliyy\u0259tin b\u0259rpas\u0131 \u00fc\u00e7\u00fcn effektiv al\u0259t olacaq.<\/p>\n","protected":false},"excerpt":{"rendered":"
Az\u0259rbaycanda COVID-19 pandemiyas\u0131ndan t\u0259sirl\u0259n\u0259n iqtisadiyyat\u0131n qeyri-neft sektorunun \u0259sas istiqam\u0259tl\u0259rini d\u0259st\u0259kl\u0259y\u0259n proqramlar\u0131n icras\u0131 geni\u015fl\u0259ndirilir. Orta m\u00fcdd\u0259t \u00fc\u00e7\u00fcn \u0259n vacib v\u0259zif\u0259 ki\u00e7ik v\u0259 orta biznesin (KOB) maliyy\u0259l\u0259\u015fdirilm\u0259sinin geni\u015fl\u0259ndirilm\u0259si v\u0259 yeni kredit mexanizml\u0259rinin t\u0259tbiq olunmas\u0131d\u0131r. Ayd\u0131nd\u0131r ki, karantind\u0259n sonrak\u0131 d\u00f6vrd\u0259 KOB-lar\u0131n maliyy\u0259l\u0259\u015fdirilm\u0259sind\u0259 \u0259sas rol d\u00f6vl\u0259t fondlar\u0131na v\u0259 h\u0259r \u015feyd\u0259n \u0259vv\u0259l Az\u0259rbaycan \u0130qtisadiyyat Nazirliyi yan\u0131nda Sahibkarl\u0131\u011f\u0131n \u0130nki\u015faf\u0131 Fonduna (S\u0130F) veril\u0259c\u0259k. Son zamanlar S\u0130F-in kreditl\u0259\u015fm\u0259 f\u0259aliyy\u0259tini optimalla\u015fd\u0131rmaq \u00fc\u00e7\u00fcn kreditl\u0259rin qaytar\u0131lmas\u0131 m\u00fcdd\u0259ti \u0259h\u0259miyy\u0259tli d\u0259r\u0259c\u0259d\u0259 art\u0131r\u0131l\u0131b, girov prosedurlar\u0131 sad\u0259l\u0259\u015fdirilib\u00a0v\u0259 sahibkarlara veril\u0259n\u00a0kreditl\u0259r \u00fc\u00e7\u00fcn z\u0259man\u0259t v\u0259 subsidiyalar\u0131n t\u0259qdim olunmas\u0131 mexanizml\u0259ri \u0259lav\u0259 edilib. Neft b\u00f6hran\u0131n\u0131n v\u0259 koronavirus pandemiyas\u0131n\u0131n Az\u0259rbaycan iqtisadiyyat\u0131na…<\/p>\n","protected":false},"author":2,"featured_media":187172,"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":[7],"tags":[],"aioseo_notices":[],"gutentor_comment":0,"rttpg_featured_image_url":{"full":["https:\/\/arantv.az\/wp-content\/uploads\/2020\/07\/Business-Contacts.jpg",620,395,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2020\/07\/Business-Contacts.jpg",620,395,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2020\/07\/Business-Contacts.jpg",620,395,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2020\/07\/Business-Contacts-150x150.jpg",150,150,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2020\/07\/Business-Contacts-300x191.jpg",300,191,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2020\/07\/Business-Contacts.jpg",620,395,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2020\/07\/Business-Contacts.jpg",620,395,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2020\/07\/Business-Contacts.jpg",620,395,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2020\/07\/Business-Contacts-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2020\/07\/Business-Contacts.jpg",620,395,false]},"rttpg_author":{"display_name":"V\u00fcsal Rafiqo\u011flu","author_link":"https:\/\/arantv.az\/?author=2"},"rttpg_comment":0,"rttpg_category":"D\u00fcnya<\/a>","rttpg_excerpt":"Az\u0259rbaycanda COVID-19 pandemiyas\u0131ndan t\u0259sirl\u0259n\u0259n iqtisadiyyat\u0131n qeyri-neft sektorunun \u0259sas istiqam\u0259tl\u0259rini d\u0259st\u0259kl\u0259y\u0259n proqramlar\u0131n icras\u0131 geni\u015fl\u0259ndirilir. Orta m\u00fcdd\u0259t \u00fc\u00e7\u00fcn \u0259n vacib v\u0259zif\u0259 ki\u00e7ik v\u0259 orta biznesin (KOB) maliyy\u0259l\u0259\u015fdirilm\u0259sinin geni\u015fl\u0259ndirilm\u0259si v\u0259 yeni kredit mexanizml\u0259rinin t\u0259tbiq olunmas\u0131d\u0131r. Ayd\u0131nd\u0131r ki, karantind\u0259n sonrak\u0131 d\u00f6vrd\u0259 KOB-lar\u0131n maliyy\u0259l\u0259\u015fdirilm\u0259sind\u0259 \u0259sas rol d\u00f6vl\u0259t fondlar\u0131na v\u0259 h\u0259r \u015feyd\u0259n \u0259vv\u0259l Az\u0259rbaycan \u0130qtisadiyyat Nazirliyi yan\u0131nda Sahibkarl\u0131\u011f\u0131n \u0130nki\u015faf\u0131 Fonduna (S\u0130F)…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/187171"}],"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=187171"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/187171\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/187172"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=187171"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=187171"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=187171"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}