X\u0259b\u0259r verildiyi kimi, 2016-c\u0131 ilin yanvar\u0131n 19-da q\u0259bul edilmi\u015f \u201c\u018fman\u0259tl\u0259rin tam s\u0131\u011fortalanmas\u0131 haqq\u0131nda\u201d Az\u0259rbaycan Respublikas\u0131n\u0131n Qanununun q\u00fcvv\u0259d\u0259 olma m\u00fcdd\u0259ti cari ilin aprelin 5-d\u0259 ba\u015fa \u00e7at\u0131b. Ba\u015fqa s\u00f6zl\u0259, \u00f6t\u0259n m\u00fcdd\u0259t \u0259rzind\u0259 manatla 12 faiz\u0259d\u0259k, xarici valyutada is\u0259 2,5 faiz faiz\u0259d\u0259k olan \u0259man\u0259tl\u0259r m\u0259bl\u0259\u011find\u0259n as\u0131l\u0131 olmayaraq s\u0131\u011fortalanm\u0131\u015f hesab edilirdis\u0259, art\u0131q h\u0259min faiz \u015f\u0259rtl\u0259ri daxilind\u0259 yaln\u0131z 100 min manatad\u0259k olan \u0259man\u0259tl\u0259r qorunan hesab edilir. Yenilik aprelin 5-d\u0259n etibar\u0259n qoyulan \u0259man\u0259tl\u0259r\u0259 aiddir.<\/p>\n
\u201c\u018fman\u0259tl\u0259rin tam s\u0131\u011fortalanmas\u0131 haqq\u0131nda\u201d \u00a0Qanuna q\u0259d\u0259r s\u00f6z\u00fcged\u0259n m\u0259bl\u0259\u011f 30 min manata q\u0259d\u0259r idi. 2016-c\u0131 ild\u0259 qlobal iqtisadi b\u00f6hran fonunda \u00f6lk\u0259d\u0259 maliyy\u0259 sabitliyini qorumaq, bank sisteminin dayan\u0131ql\u0131\u011f\u0131n\u0131 t\u0259min etm\u0259k, \u0259man\u0259t\u00e7il\u0259rin bank sistemin\u0259 etimad\u0131n\u0131 g\u00fccl\u0259ndirm\u0259k m\u0259qs\u0259dil\u0259\u00a0 \u00a0q\u0259bul olunan qanunun q\u00fcvv\u0259d\u0259 olma m\u00fcdd\u0259ti 2019-cu il mart\u0131n 4-d\u0259 bitm\u0259li idi. Lakin bank sektorundak\u0131 islahatlar\u0131n, daha do\u011frusu, kapital dayan\u0131ql\u0131l\u0131\u011f\u0131 b\u0259rpa olunmayan banklar\u0131n restrukturizasiyas\u0131 (bank\u0131n sat\u0131lmas\u0131, aktivl\u0259rin v\u0259 \u00f6hd\u0259likl\u0259rin tam v\u0259 ya qism\u0259n \u00f6t\u00fcr\u00fclm\u0259si, k\u00f6rp\u00fc bank\u0131n yarad\u0131lmas\u0131 v\u0259 s.) prosesinin yubanmas\u0131 (\u201cAz\u0259rbaycan Respublikas\u0131nda maliyy\u0259 xidm\u0259tl\u0259rinin inki\u015faf\u0131na dair Strateji Yol X\u0259rit\u0259si\u201dn\u0259 \u0259sas\u0259n, 2018-ci ilin sonunad\u0259k bitm\u0259li idi) s\u0259b\u0259bind\u0259n \u00a0qanunun q\u00fcvv\u0259d\u0259 olma m\u00fcdd\u0259ti \u0259vv\u0259lc\u0259 1 il, 2020-ci il mart\u0131n 13-d\u0259 daha 9 ay, dekabr\u0131n 18-d\u0259 is\u0259 daha 4 ay uzad\u0131lm\u0131\u015fd\u0131.<\/p>\n
M\u0259rk\u0259zi Bank\u0131n s\u0259dri Elman R\u00fcst\u0259mov bildirib ki, yenilik say etibaril\u0259 c\u0259mi \u0259man\u0259t\u00e7il\u0259rin 99,8 faizinin \u0259man\u0259tl\u0259rinin tam qorunmas\u0131n\u0131 t\u0259min ed\u0259c\u0259k: \u201dQalan 0,2 faiz insanlar\u0131n is\u0259 maliyy\u0259 bilikl\u0259ri \u00e7ox y\u00fcks\u0259kdir. Bel\u0259 insanlar \u0259ll\u0259rind\u0259 olan v\u0259saiti qazand\u0131qlar\u0131 kimi, idar\u0259 etm\u0259yi d\u0259 bacar\u0131rlar v\u0259 onlarla ba\u011fl\u0131 he\u00e7 bir problem g\u00f6rm\u00fcr\u0259m. Amma onlar\u0131n da \u0259man\u0259tl\u0259rinin y\u00fcks\u0259k m\u0259bl\u0259\u011fd\u0259, m\u0259s\u0259l\u0259n, 100 min manat hiss\u0259si s\u0131\u011fortalan\u0131r. Bizd\u0259 7 milyona yax\u0131n \u0259man\u0259t\u00e7i var. Bunlar\u0131n \u00e7ox b\u00f6y\u00fck hiss\u0259si ki\u00e7ik v\u0259 orta \u0259man\u0259t\u00e7il\u0259rdir\u201d.<\/p>\n
\u018fman\u0259t\u00e7il\u0259rin say etibaril\u0259 \u0259ks\u0259r hiss\u0259sinin \u0259man\u0259tl\u0259rinin s\u0131\u011fortalanmas\u0131 onlar\u0131 h\u0259r hans\u0131 bir bank\u0131n ba\u011flanaca\u011f\u0131 t\u0259qdird\u0259 daha \u00e7ox sayda \u015f\u0259xsin kompensasiya almas\u0131n\u0131 t\u0259min edir. Lakin m\u0259s\u0259l\u0259 t\u0259kc\u0259 \u0259man\u0259t\u00e7il\u0259rin say\u0131 il\u0259 yekunla\u015fm\u0131r. S\u0131\u011fortan\u0131n \u0259hat\u0259 dair\u0259sin\u0259 d\u00fc\u015fm\u0259y\u0259n \u0259man\u0259tl\u0259rin m\u0259bl\u0259\u011finin \u00fcmumi \u0259man\u0259t portfelind\u0259ki pay\u0131 da vacibdir. S\u00f6hb\u0259t ondan gedir ki, \u00f6t\u0259n il \u0259man\u0259tl\u0259rin s\u0131\u011fortalanmas\u0131 il\u0259 ba\u011fl\u0131 qanunvericiliy\u0259 d\u0259yi\u015fiklikl\u0259rin m\u00fczakir\u0259si zaman\u0131 m\u0259lum olmu\u015fdu ki, \u0259man\u0259tl\u0259rin 44 faizi v\u0259 ya\u00a0 3,4 milyard manat\u0131 100 min manatdan yuxar\u0131 \u0259man\u0259t hesablar\u0131ndad\u0131r. Yeni s\u0131\u011forta mexanizmi is\u0259 m\u00fc\u0259yy\u0259n edilmi\u015f faiz h\u0259ddind\u0259 bel\u0259 \u0259man\u0259tl\u0259rin 100 min manat\u0131n\u0131 qoruyacaq. Bir s\u00f6zl\u0259, bu qrupdan olan \u0259man\u0259t\u00e7il\u0259r E. R\u00fcst\u0259movun t\u0259birinc\u0259 des\u0259k, maliyy\u0259 bilikl\u0259rin\u0259 arxalanmal\u0131d\u0131rlar.<\/p>\n
\u0130st\u0259nil\u0259n halda \u0259man\u0259tl\u0259rin s\u0131\u011fortalanmas\u0131n\u0131n yeni mexanizminin effektivliyi \u00f6z\u00fcn\u00fc fiziki \u015f\u0259xsl\u0259rin \u0259man\u0259tl\u0259rinin h\u0259cmind\u0259 g\u00f6st\u0259r\u0259c\u0259k. \u0130ndiki halda onu dem\u0259k m\u00fcmk\u00fcnd\u00fcr ki, M\u0259rk\u0259zi Bank\u0131n m\u0259lumat\u0131na \u0259sas\u0259n, fevral ay\u0131nda fiziki \u015f\u0259xsl\u0259rin \u0259man\u0259tl\u0259ri \u00f6t\u0259n ilin dekabr ay\u0131 il\u0259 m\u00fcqayis\u0259d\u0259 202 milyon manat \u00e7ox olsa da, art\u0131m q\u0131sam\u00fcdd\u0259tli (6 aydan \u00e7ox olmayan) \u0259man\u0259tl\u0259rin hesab\u0131na (205 milyon manat art\u0131b) olub. \u00a0Fevral ay\u0131nda fiziki \u015f\u0259xsl\u0259rin \u0259man\u0259tl\u0259ri 8 milyard 379,9 milyon manat olub ki, bunun 75,3 faizini v\u0259 ya 6 milyard 310,7 milyonunu q\u0131sam\u00fcdd\u0259tli \u0259man\u0259tl\u0259r t\u0259\u015fkil edib.<\/p>\n","protected":false},"excerpt":{"rendered":"
X\u0259b\u0259r verildiyi kimi, 2016-c\u0131 ilin yanvar\u0131n 19-da q\u0259bul edilmi\u015f \u201c\u018fman\u0259tl\u0259rin tam s\u0131\u011fortalanmas\u0131 haqq\u0131nda\u201d Az\u0259rbaycan Respublikas\u0131n\u0131n Qanununun q\u00fcvv\u0259d\u0259 olma m\u00fcdd\u0259ti cari ilin aprelin 5-d\u0259 ba\u015fa \u00e7at\u0131b. Ba\u015fqa s\u00f6zl\u0259, \u00f6t\u0259n m\u00fcdd\u0259t \u0259rzind\u0259 manatla 12 faiz\u0259d\u0259k, xarici valyutada is\u0259 2,5 faiz faiz\u0259d\u0259k olan \u0259man\u0259tl\u0259r m\u0259bl\u0259\u011find\u0259n as\u0131l\u0131 olmayaraq s\u0131\u011fortalanm\u0131\u015f hesab edilirdis\u0259, art\u0131q h\u0259min faiz \u015f\u0259rtl\u0259ri daxilind\u0259 yaln\u0131z 100 min manatad\u0259k olan \u0259man\u0259tl\u0259r qorunan hesab edilir. Yenilik aprelin 5-d\u0259n etibar\u0259n qoyulan \u0259man\u0259tl\u0259r\u0259 aiddir. \u201c\u018fman\u0259tl\u0259rin tam s\u0131\u011fortalanmas\u0131 haqq\u0131nda\u201d \u00a0Qanuna q\u0259d\u0259r s\u00f6z\u00fcged\u0259n m\u0259bl\u0259\u011f 30 min manata q\u0259d\u0259r idi. 2016-c\u0131 ild\u0259 qlobal iqtisadi b\u00f6hran fonunda \u00f6lk\u0259d\u0259 maliyy\u0259 sabitliyini…<\/p>\n","protected":false},"author":2,"featured_media":323792,"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":[19],"tags":[],"aioseo_notices":[],"gutentor_comment":0,"rttpg_featured_image_url":{"full":["https:\/\/arantv.az\/wp-content\/uploads\/2021\/04\/ff0abbcc160683097950161612910886999.jpg",975,540,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2021\/04\/ff0abbcc160683097950161612910886999.jpg",975,540,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2021\/04\/ff0abbcc160683097950161612910886999.jpg",975,540,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2021\/04\/ff0abbcc160683097950161612910886999-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2021\/04\/ff0abbcc160683097950161612910886999-660x365.jpg",660,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2021\/04\/ff0abbcc160683097950161612910886999-840x465.jpg",640,354,true],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2021\/04\/ff0abbcc160683097950161612910886999.jpg",975,540,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2021\/04\/ff0abbcc160683097950161612910886999.jpg",975,540,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2021\/04\/ff0abbcc160683097950161612910886999-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2021\/04\/ff0abbcc160683097950161612910886999.jpg",975,540,false]},"rttpg_author":{"display_name":"V\u00fcsal Rafiqo\u011flu","author_link":"https:\/\/arantv.az\/?author=2"},"rttpg_comment":0,"rttpg_category":"G\u00fcnd\u0259m<\/a>","rttpg_excerpt":"X\u0259b\u0259r verildiyi kimi, 2016-c\u0131 ilin yanvar\u0131n 19-da q\u0259bul edilmi\u015f \u201c\u018fman\u0259tl\u0259rin tam s\u0131\u011fortalanmas\u0131 haqq\u0131nda\u201d Az\u0259rbaycan Respublikas\u0131n\u0131n Qanununun q\u00fcvv\u0259d\u0259 olma m\u00fcdd\u0259ti cari ilin aprelin 5-d\u0259 ba\u015fa \u00e7at\u0131b. Ba\u015fqa s\u00f6zl\u0259, \u00f6t\u0259n m\u00fcdd\u0259t \u0259rzind\u0259 manatla 12 faiz\u0259d\u0259k, xarici valyutada is\u0259 2,5 faiz faiz\u0259d\u0259k olan \u0259man\u0259tl\u0259r m\u0259bl\u0259\u011find\u0259n as\u0131l\u0131 olmayaraq s\u0131\u011fortalanm\u0131\u015f hesab edilirdis\u0259, art\u0131q h\u0259min faiz \u015f\u0259rtl\u0259ri daxilind\u0259 yaln\u0131z 100 min…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/323791"}],"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=323791"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/323791\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/323792"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=323791"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=323791"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=323791"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}