{"id":24476,"date":"2018-11-22T08:46:43","date_gmt":"2018-11-22T05:46:43","guid":{"rendered":"http:\/\/arantv.az\/?p=24476"},"modified":"2018-11-22T08:46:43","modified_gmt":"2018-11-22T05:46:43","slug":"az%c9%99rbaycanda-kiml%c9%99rin-kredit-borcu-silin%c9%99-bil%c9%99r","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=24476","title":{"rendered":"Az\u0259rbaycanda kiml\u0259rin kredit borcu silin\u0259 bil\u0259r?"},"content":{"rendered":"<p><strong>G\u00fcrc\u00fcstan h\u00f6kum\u0259tinin azt\u0259minatl\u0131 \u0259halinin kredit borclar\u0131n\u0131n l\u0259\u011fvin\u0259 dair q\u0259rar\u0131 Az\u0259rbaycan c\u0259miyy\u0259tind\u0259 analoji problemin m\u00fczakir\u0259l\u0259rinin yenid\u0259n canlanmas\u0131na s\u0259b\u0259b oldu. H\u0259cmi 2 milyard manata yax\u0131nla\u015fan problemli kreditl\u0259rin banklara, \u0259haliy\u0259 yaratd\u0131\u011f\u0131 \u00e7\u0259tinlikl\u0259r bir daha g\u00fcnd\u0259m\u0259 g\u0259tirildi.<\/strong><\/p>\n<p><strong>ARANTV.AZ<\/strong> &#8220;Yeni M\u00fcsavat&#8221;a istinad\u0259n x\u0259b\u0259r verir, eyni zamanda, m\u0259lum oldu ki, n\u0259inki ald\u0131\u011f\u0131 2-3 min dollar (yaxud manat) krediti qaytarmaq imkan\u0131nda olmayan azt\u0259minatl\u0131 insanlarla yana\u015f\u0131, y\u00fcz minl\u0259rl\u0259 dollar\/manat kreditl\u0259ri g\u00f6t\u00fcr\u0259r\u0259k t\u0259yinat\u0131ndan yay\u0131nd\u0131r\u0131b m\u0259nims\u0259y\u0259n \u015f\u0259xsl\u0259r d\u0259 d\u00f6vl\u0259tin hesab\u0131na borclar\u0131n\u0131n ba\u011flanmas\u0131n\u0131 g\u00f6zl\u0259yirl\u0259r. M\u0259lum oldu\u011fu kimi, bu g\u00fcn banklar\u0131n \u0259ks\u0259riyy\u0259ti \u00fczr\u0259 yaranan problemli kreditl\u0259rin b\u00f6y\u00fck hiss\u0259si m\u0259hz bank inzibat\u00e7\u0131lar\u0131, m\u00fcxt\u0259lif m\u0259murlar\u0131n yax\u0131nlar\u0131 olan ikinci qrup \u015f\u0259xsl\u0259rd\u0259dir.<\/p>\n<p>Qeyd ed\u0259k ki, G\u00fcrc\u00fcstanda adlar\u0131 kredit borcuna g\u00f6r\u0259 qara siyah\u0131ya sal\u0131nm\u0131\u015f 600 min\u0259d\u0259k azt\u0259minatl\u0131 v\u0259t\u0259nda\u015f\u0131n 2 min lariy\u0259 q\u0259d\u0259r olan borclar\u0131 silinir. B\u0259s Az\u0259rbaycanda h\u00f6kum\u0259t problemli kreditl\u0259r m\u0259s\u0259l\u0259sin\u0259 \u0259l qoyarsa, kiml\u0259rin borclar\u0131 silin\u0259 bil\u0259r?<\/p>\n<p>Sual\u0131 cavabland\u0131ran iqtisad\u00e7\u0131-ekspert R\u0259\u015fad H\u0259s\u0259novun dediyin\u0259 g\u00f6r\u0259, h\u00f6kum\u0259t bel\u0259 bir q\u0259rar q\u0259bul ed\u0259rs\u0259, \u00e7ox ciddi ara\u015fd\u0131rmalar apar\u0131lmal\u0131d\u0131r: &#8220;Bu q\u0259rar olacaqsa, ilk n\u00f6vb\u0259d\u0259, kimin kreditl\u0259rinin silin\u0259c\u0259yi sual\u0131n\u0131n real cavab\u0131 tap\u0131lmal\u0131d\u0131r. El\u0259 mexanizm se\u00e7ilm\u0259lidir ki, v\u0259t\u0259nda\u015flar\u0131n b\u0259rab\u0259rliyin\u0259 dair konstitusion h\u00fcququ pozulmamal\u0131, eyni zamanda d\u00f6vl\u0259t v\u0259saitl\u0259ri hans\u0131sa formada kiml\u0259rins\u0259 maraqlar\u0131na xidm\u0259t etm\u0259m\u0259lidir. Y\u0259ni \u00e7ox ciddi v\u0259 h\u0259rt\u0259r\u0259fli d\u0259rinl\u0259\u015fmi\u015f t\u0259hlill\u0259rin, ara\u015fd\u0131rmalar\u0131n apar\u0131lmas\u0131na ehtiyac var. \u0130lk n\u00f6vb\u0259d\u0259, problemlil\u0259r siyah\u0131s\u0131na d\u00fc\u015fm\u00fc\u015f m\u00fc\u015ft\u0259ril\u0259r \u00fczr\u0259 m\u00fc\u0259yy\u0259n qiym\u0259tl\u0259ndirm\u0259l\u0259rin apar\u0131lmas\u0131na ba\u015flamaq olar. \u00c7\u00fcnki art\u0131q bu siyah\u0131ya d\u00fc\u015fm\u0259k h\u0259min m\u00fc\u015ft\u0259ril\u0259rin borclar\u0131n\u0131 qaytara bilm\u0259dikl\u0259rini g\u00f6st\u0259rir. Lakin burada da ciddi ara\u015fd\u0131rmalar\u0131n apar\u0131lmas\u0131 z\u0259rur\u0259ti yaran\u0131r. Bel\u0259 ki, m\u00f6vcud v\u0259ziyy\u0259t g\u00f6st\u0259rir ki, bir \u00e7oxlar\u0131 imkanlar\u0131 olsa da, \u00fcmumi m\u0259nz\u0259r\u0259 fonunda borclar\u0131n\u0131 \u00f6d\u0259m\u0259kd\u0259n imtina edirl\u0259r&#8221;.<\/p>\n<div id=\"AdributorNativeVideo0\" class=\"AdributorNativeVideo\"><\/div>\n<p>R.H\u0259s\u0259nov bildirir ki, el\u0259 insanlar var ki, b\u00f6y\u00fck \u00e7\u0259tinlikl\u0259, h\u0259tta bir \u00e7ox hallarda dig\u0259r m\u0259nb\u0259l\u0259rd\u0259n borclanmaya ged\u0259r\u0259k kreditl\u0259rini \u00f6d\u0259yirl\u0259r: &#8220;Bu, h\u0259min v\u0259t\u0259nda\u015flar\u0131n m\u0259suliyy\u0259t hissinin daha y\u00fcks\u0259k oldu\u011funu g\u00f6st\u0259rir. Adamlar da var ki, \u00e7ox rahat ya\u015fay\u0131rlar, g\u0259lirl\u0259ri d\u0259 yet\u0259rinc\u0259dir, amma \u00f6d\u0259ni\u015fl\u0259rini etmirl\u0259r. Se\u00e7im ed\u0259rk\u0259n bu m\u0259qam\u0131 da n\u0259z\u0259r\u0259 almaq laz\u0131md\u0131r. Y\u0259ni geni\u015fmiqyasl\u0131 ara\u015fd\u0131rma apar\u0131lmal\u0131d\u0131r. Daha yax\u015f\u0131 olar ki, m\u0259s\u0259l\u0259y\u0259 bu kontekstd\u0259n yana\u015f\u0131ls\u0131n: birinci, 2015-ci ilin feval\u0131ndan etibar\u0259n n\u0259 ba\u015f verib? Devalvasiyalar bar\u0259d\u0259 q\u0259rar\u0131 kim verib? Bu q\u0259rardan z\u0259r\u0259r \u00e7\u0259k\u0259n subyektl\u0259r hans\u0131lard\u0131r? H\u0259min subyektl\u0259r \u00fczr\u0259 z\u0259r\u0259r m\u00fc\u0259yy\u0259nl\u0259\u015fdirilm\u0259li v\u0259 d\u00f6vl\u0259t t\u0259r\u0259find\u0259n qar\u015f\u0131lanmal\u0131d\u0131r. Bu zaman g\u00fcz\u0259\u015ftl\u0259r kredit m\u0259bl\u0259\u011fin\u0259 hesablanm\u0131\u015f faizl\u0259r \u00fczr\u0259 edil\u0259 bil\u0259r. Yaxud tutal\u0131m ki, 3 min\u0259 q\u0259d\u0259r olan kreditl\u0259r silinir, 3-20 min aras\u0131 kreditl\u0259rd\u0259 faizl\u0259r d\u00f6vl\u0259t t\u0259r\u0259find\u0259n kompensasiya olunur, 20 mind\u0259n yuxar\u0131 olan kreditl\u0259rd\u0259 is\u0259 m\u0259z\u0259nn\u0259 f\u0259rqin\u0259 kompensasiya t\u0259tbiq edilir. Bunun d\u0259qiq mexanizmini fiskal siyas\u0259ti h\u0259yata ke\u00e7ir\u0259n qurumlar v\u0259 Nazirl\u0259r Kabineti birg\u0259 m\u00fc\u0259yy\u0259nl\u0259\u015fdir\u0259 bil\u0259r&#8221;.<\/p>\n<p>Ekspert hesab edir ki, d\u00f6vl\u0259t d\u0259st\u0259yi t\u0259tbiq olunark\u0259n istehlak kreditl\u0259ri il\u0259 biznes kreditl\u0259ri f\u0259rql\u0259ndirilm\u0259lidir:&#8221;\u0130stehlak kreditl\u0259ri \u0259lav\u0259 d\u0259y\u0259r yaratmayan v\u0259saitl\u0259rdir. Real sektora veril\u0259n biznes kreditl\u0259ri is\u0259 \u0259lav\u0259 d\u0259y\u0259r yaratma\u011fa y\u00f6n\u0259ldilir. D\u00fczd\u00fcr, Az\u0259rbaycanda kreditl\u0259rin d\u00fczg\u00fcn r\u0259smil\u0259\u015fdirilm\u0259si kimi bir problem d\u0259 m\u00f6vcuddur. Kreditl\u0259rin b\u00f6y\u00fck hiss\u0259si istehlak krediti kimi r\u0259smil\u0259\u015fdirilir. Yaxud biznes ad\u0131 il\u0259 g\u00f6t\u00fcr\u00fcl\u0259n kreditl\u0259r tamam ba\u015fqa istiqam\u0259tl\u0259r\u0259 y\u00f6n\u0259ldilir. Buna g\u00f6r\u0259 d\u0259 bu m\u0259s\u0259l\u0259l\u0259rd\u0259 \u00e7ox diqq\u0259tli olma\u011fa ehtiyac var. Valyutada kreditl\u0259ri olan v\u0259t\u0259nda\u015flar ikinci d\u0259r\u0259c\u0259li risk qrupu olaraq se\u00e7im\u0259 daxil edil\u0259 bil\u0259r. Biznes kreditl\u0259ri \u00fc\u00e7\u00fcnc\u00fc, istehlak kreditl\u0259ri is\u0259 d\u00f6rd\u00fcnc\u00fc d\u0259r\u0259c\u0259li risk qrupu kimi se\u00e7il\u0259 bil\u0259r&#8221;.<\/p>\n<p>Onun fikrinc\u0259, Az\u0259rbaycan\u0131n haz\u0131rk\u0131 maliyy\u0259 imkanlar\u0131 problemli kreditl\u0259r m\u0259s\u0259l\u0259sini h\u0259ll etm\u0259k \u00fc\u00e7\u00fcn kifay\u0259t q\u0259d\u0259r yet\u0259rli s\u0259viyy\u0259d\u0259dir: &#8220;Bu imkan b\u00f6y\u00fckd\u00fcr. N\u0259z\u0259r\u0259 almaq laz\u0131md\u0131r ki, problemli kreditl\u0259r \u00f6lk\u0259nin maliyy\u0259-bank sektorunu iflic v\u0259ziyy\u0259tin\u0259 sal\u0131b. Bu g\u00fcn \u00fcmumi kredit portfelinin 14 faizd\u0259n yuxar\u0131s\u0131 problemli kreditl\u0259rdir. Hans\u0131 ki, 6 faizd\u0259n yuxar\u0131 art\u0131q SOS hesab olunur. Bel\u0259 bir \u015f\u0259raitd\u0259 banklar i\u015fl\u0259y\u0259 bilmir, onlar kreditl\u0259\u015fm\u0259y\u0259 meyl g\u00f6st\u0259rmirl\u0259r. G\u0259l\u0259c\u0259kd\u0259 d\u00f6vl\u0259tin banklar\u0131n arxas\u0131nda hans\u0131sa formada dayanaca\u011f\u0131na t\u0259minat yoxdur. Buna g\u00f6r\u0259 d\u0259 kredit portfeli geni\u015fl\u0259nmir. H\u00f6kum\u0259t d\u0259 deyir ki, real sektor inki\u015faf etsin. \u018fg\u0259r real maliyy\u0259 qaynaqlar\u0131na \u00e7\u0131x\u0131\u015f yoxdursa, bu sektor nec\u0259 inki\u015faf etsin? D\u00f6vl\u0259t problemli kreditl\u0259r m\u0259s\u0259l\u0259sini h\u0259ll etm\u0259kl\u0259 eyni vaxtda bir ne\u00e7\u0259 m\u0259qs\u0259d\u0259 nail ola bil\u0259r&#8221;.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>G\u00fcrc\u00fcstan h\u00f6kum\u0259tinin azt\u0259minatl\u0131 \u0259halinin kredit borclar\u0131n\u0131n l\u0259\u011fvin\u0259 dair q\u0259rar\u0131 Az\u0259rbaycan c\u0259miyy\u0259tind\u0259 analoji problemin m\u00fczakir\u0259l\u0259rinin yenid\u0259n canlanmas\u0131na s\u0259b\u0259b oldu. H\u0259cmi 2 milyard manata yax\u0131nla\u015fan problemli kreditl\u0259rin banklara, \u0259haliy\u0259 yaratd\u0131\u011f\u0131 \u00e7\u0259tinlikl\u0259r bir daha g\u00fcnd\u0259m\u0259 g\u0259tirildi. ARANTV.AZ &#8220;Yeni M\u00fcsavat&#8221;a istinad\u0259n x\u0259b\u0259r verir, eyni zamanda, m\u0259lum oldu ki, n\u0259inki ald\u0131\u011f\u0131 2-3 min dollar (yaxud manat) krediti qaytarmaq imkan\u0131nda olmayan azt\u0259minatl\u0131 insanlarla yana\u015f\u0131, y\u00fcz minl\u0259rl\u0259 dollar\/manat kreditl\u0259ri g\u00f6t\u00fcr\u0259r\u0259k t\u0259yinat\u0131ndan yay\u0131nd\u0131r\u0131b m\u0259nims\u0259y\u0259n \u015f\u0259xsl\u0259r d\u0259 d\u00f6vl\u0259tin hesab\u0131na borclar\u0131n\u0131n ba\u011flanmas\u0131n\u0131 g\u00f6zl\u0259yirl\u0259r. M\u0259lum oldu\u011fu kimi, bu g\u00fcn banklar\u0131n \u0259ks\u0259riyy\u0259ti \u00fczr\u0259 yaranan problemli kreditl\u0259rin b\u00f6y\u00fck hiss\u0259si m\u0259hz bank inzibat\u00e7\u0131lar\u0131, m\u00fcxt\u0259lif&hellip;<\/p>\n","protected":false},"author":2,"featured_media":24477,"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\/2018\/11\/kredit_0236.jpg",800,600,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2018\/11\/kredit_0236.jpg",800,600,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2018\/11\/kredit_0236.jpg",800,600,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2018\/11\/kredit_0236-150x150.jpg",150,150,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2018\/11\/kredit_0236-300x225.jpg",300,225,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2018\/11\/kredit_0236.jpg",640,480,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2018\/11\/kredit_0236.jpg",800,600,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2018\/11\/kredit_0236.jpg",800,600,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2018\/11\/kredit_0236-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2018\/11\/kredit_0236.jpg",800,600,false]},"rttpg_author":{"display_name":"V\u00fcsal Rafiqo\u011flu","author_link":"https:\/\/arantv.az\/?author=2"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/arantv.az\/?cat=1\" rel=\"category\">C\u0259miyy\u0259t<\/a>","rttpg_excerpt":"G\u00fcrc\u00fcstan h\u00f6kum\u0259tinin azt\u0259minatl\u0131 \u0259halinin kredit borclar\u0131n\u0131n l\u0259\u011fvin\u0259 dair q\u0259rar\u0131 Az\u0259rbaycan c\u0259miyy\u0259tind\u0259 analoji problemin m\u00fczakir\u0259l\u0259rinin yenid\u0259n canlanmas\u0131na s\u0259b\u0259b oldu. H\u0259cmi 2 milyard manata yax\u0131nla\u015fan problemli kreditl\u0259rin banklara, \u0259haliy\u0259 yaratd\u0131\u011f\u0131 \u00e7\u0259tinlikl\u0259r bir daha g\u00fcnd\u0259m\u0259 g\u0259tirildi. ARANTV.AZ &#8220;Yeni M\u00fcsavat&#8221;a istinad\u0259n x\u0259b\u0259r verir, eyni zamanda, m\u0259lum oldu ki, n\u0259inki ald\u0131\u011f\u0131 2-3 min dollar (yaxud manat) krediti qaytarmaq imkan\u0131nda olmayan&hellip;","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/24476"}],"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=24476"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/24476\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/24477"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=24476"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=24476"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=24476"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}