{"id":36130,"date":"2019-01-31T14:42:28","date_gmt":"2019-01-31T11:42:28","guid":{"rendered":"http:\/\/arantv.az\/?p=36130"},"modified":"2019-01-31T14:42:28","modified_gmt":"2019-01-31T11:42:28","slug":"%c9%99man%c9%99tl%c9%99rin-sigortalanma-s%c9%99rtl%c9%99rinin-d%c9%99yisdirilm%c9%99si-t%c9%99klif-olunur","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=36130","title":{"rendered":"\u018fman\u0259tl\u0259rin s\u0131\u011fortalanma \u015f\u0259rtl\u0259rinin d\u0259yi\u015fdirilm\u0259si t\u0259klif olunur"},"content":{"rendered":"

Mart ay\u0131 yax\u0131nla\u015f\u0131r v\u0259 \u0259man\u0259tl\u0259rin tam s\u0131\u011fortalanmas\u0131 bar\u0259d\u0259 2016-c\u0131 ild\u0259 q\u0259bul edilmi\u015f \u201c\u018fman\u0259tl\u0259rin tam s\u0131\u011fortalanmas\u0131 haqq\u0131nda\u201d qanunun q\u00fcvv\u0259d\u0259 olma m\u00fcdd\u0259ti bitir.<\/p>\n

ARANTV.AZ\u00a0\u00a0<\/strong>x\u0259b\u0259r verir ki, iqtisad\u00e7\u0131-ekspert Samir \u018fliyevin s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, haz\u0131rda banklara yerl\u0259\u015fdirilmi\u015f b\u00fct\u00fcn \u0259man\u0259tl\u0259r qorunur, bir \u015f\u0259rtl\u0259 ki, milli valyutada yerl\u0259\u015fdirilmi\u015f \u0259man\u0259tl\u0259rin illik faiz d\u0259r\u0259c\u0259si 15%-d\u0259n, xarici valyuta \u0259man\u0259tl\u0259rinin illik faiz d\u0259r\u0259c\u0259si is\u0259 3%-d\u0259n y\u00fcks\u0259k olmas\u0131n.<\/p>\n

Yax\u0131n bir ay \u0259rzind\u0259 m\u00fcdd\u0259t uzad\u0131lmasa, bu qanun q\u00fcvv\u0259sini itir\u0259c\u0259k v\u0259 \u0259vv\u0259l q\u00fcvv\u0259d\u0259 olmu\u015f qanun \u2013 \u201c\u018fman\u0259tl\u0259rin s\u0131\u011fortalanmas\u0131 haqq\u0131nda\u201c qanun yenid\u0259n i\u015fl\u0259y\u0259c\u0259k. Bu halda bank ba\u011flanaca\u011f\u0131 t\u0259qdird\u0259 al\u0131nacaq kompensasiyan\u0131n h\u0259cmi 30 min manatdan \u00e7ox olmayacaq. Bunun \u00fc\u00e7\u00fcn g\u0259r\u0259k \u0259man\u0259t\u00e7inin bir bank \u00fczr\u0259 \u0259man\u0259tl\u0259rinin h\u0259cmi illik faizl\u0259 birg\u0259 30 min manat\u0131 \u00f6tm\u0259sin:<\/p>\n

<\/div>\n

\u201cBel\u0259 v\u0259ziyy\u0259td\u0259 xarici valyuta, o c\u00fcml\u0259d\u0259n, dollar \u0259man\u0259t\u00e7il\u0259ri \u00fc\u00e7\u00fcn bu limit, \u00fcmumiyy\u0259tl\u0259, s\u0259rf etmir. \u00c7\u00fcnki s\u0131\u011forta hadis\u0259si ba\u015f ver\u0259c\u0259yi t\u0259qdird\u0259 onlar\u0131n alaca\u011f\u0131 kompensasiyan\u0131n maksimum h\u0259cmi t\u0259xmin\u0259n 17 min 647 dollar olacaq\u201d.<\/p>\n

Qeyd ed\u0259k ki, \u0259man\u0259tl\u0259rin tam s\u0131\u011fortalanmas\u0131n\u0131 n\u0259z\u0259rd\u0259 tutan qanun bank sektoru \u00fc\u00e7\u00fcn \u00e7\u0259tin bir d\u00f6vrd\u0259 q\u0259bul edildi. Devalvasiyan\u0131n t\u0259siri olaraq banklar\u0131n ba\u011flanmas\u0131 \u0259man\u0259tl\u0259rin m\u00fc\u0259yy\u0259n hiss\u0259sinin taleyini sual alt\u0131na ald\u0131. \u00c7\u00fcnki h\u0259min d\u00f6vrd\u0259 qorunmayan \u0259man\u0259tl\u0259rin pay\u0131 t\u0259xmin\u0259n 40%-\u0259 q\u0259d\u0259r \u00e7at\u0131rd\u0131. Bir t\u0259r\u0259fd\u0259n y\u00fcks\u0259k faizl\u0259 \u0259man\u0259t c\u0259lb edilm\u0259si, dig\u0259r t\u0259r\u0259fd\u0259n d\u0259 30 min manatl\u0131q kompensasiya limiti \u0259man\u0259tl\u0259rin \u0259h\u0259miyy\u0259tli hiss\u0259sini s\u0131\u011fortadan k\u0259narda qoyurdu.<\/p>\n

Banklar\u0131n ba\u011flanmas\u0131 is\u0259 t\u0259bii olaraq \u0259man\u0259t \u201cqa\u00e7\u0131\u015f\u201d\u0131na r\u0259vac vermi\u015fdi. M\u0259s\u0259l\u0259n, 01.01.2015-ci ild\u0259n qanunun q\u00fcvv\u0259y\u0259 mindiyi d\u00f6vr\u0259 q\u0259d\u0259r (01.03.2016) manat \u0259man\u0259tl\u0259rinin h\u0259cmi 4,4 milyard AZN-d\u0259n 1,4 milyard AZN-\u0259 q\u0259d\u0259r azal\u0131b. Devalvasiya d\u00f6vr\u00fcnd\u0259 \u0259vv\u0259lc\u0259 xarici valyutada yerl\u0259\u015fdirilmi\u015f \u0259man\u0259tl\u0259rin \u0259hali \u00fc\u00e7\u00fcn c\u0259lbediciliyi artsa da, sonrak\u0131 d\u00f6vrd\u0259 banklar\u0131n ba\u011flanmas\u0131 riski onlar\u0131n da h\u0259cmind\u0259 azalma tendensiyas\u0131 n\u00fcmayi\u015f etdirdi.<\/p>\n

\u018fman\u0259tl\u0259rin tam s\u0131\u011fortalanmas\u0131n\u0131n h\u0259min d\u00f6vrd\u0259 \u0259sas v\u0259zif\u0259si \u0259man\u0259t \u201cqa\u00e7\u0131\u015f\u201d\u0131n\u0131n qar\u015f\u0131s\u0131n\u0131 almaq idi v\u0259 ald\u0131 da. Ancaq manat\u0131n sabitliyi fonunda \u0259man\u0259t qoyulu\u015funda art\u0131m m\u00fc\u015fahid\u0259 edilm\u0259y\u0259 ba\u015flad\u0131. Haz\u0131rda manat \u0259man\u0259tl\u0259rinin h\u0259cmi 2014-c\u00fc il h\u0259ddin\u0259 (4,4 milyard AZN) \u00e7atmasa da, 3 milyard manata q\u0259d\u0259r art\u0131b ki, bu da 2012-ci il s\u0259viyy\u0259sidir. \u00dcmumi \u0259man\u0259t qoyulu\u015funun h\u0259cmi is\u0259 8 milyard manat\u0131\u00a0\u00f6t\u00fcb.<\/p>\n

Samir \u018fliyevin fikrinc\u0259, bunun \u0259sas s\u0259b\u0259bi manat\u0131n sabitliyi v\u0259 \u0259man\u0259tl\u0259rin tam s\u0131\u011fortalanmas\u0131d\u0131r.<\/p>\n

\u201c\u0130ndi \u0259man\u0259tl\u0259rin tam s\u0131\u011fortalanmas\u0131 bar\u0259d\u0259 qanunun uzad\u0131l\u0131b-uzad\u0131lmamas\u0131 m\u0259s\u0259l\u0259si, y\u0259qin ki, h\u00f6kum\u0259td\u0259 d\u0259 m\u00fczakir\u0259 edilir, b\u0259lk\u0259 d\u0259, art\u0131q q\u0259rar var. Fikrimc\u0259, bu qanun \u0259n az\u0131 daha bir il (\u00fc\u00e7\u00a0il olsa, daha arzuolunand\u0131r) uzad\u0131lmal\u0131d\u0131r. \u00c7\u00fcnki banklar\u0131n ba\u011flanmas\u0131 riski tam aradan qalxmay\u0131b v\u0259 \u0259man\u0259t\u00e7il\u0259rin prosesl\u0259r\u0259 h\u0259ssasl\u0131\u011f\u0131 qalmaqdad\u0131r\u201d.<\/p>\n

Ekspert hesab edir ki,\u00a0ancaq s\u0131\u011fortalanma \u015f\u0259rtl\u0259ri d\u0259yi\u015fm\u0259lidir. \u00c7\u00fcnki banklarda izafi likvidlik yaran\u0131b. Y\u00fcks\u0259k faizl\u0259 \u0259man\u0259tl\u0259ri c\u0259lb edibl\u0259r, ancaq h\u0259min v\u0259saitl\u0259ri, o c\u00fcml\u0259d\u0259n, dig\u0259r m\u0259nb\u0259l\u0259rd\u0259n c\u0259lb edilmi\u015f depozitl\u0259ri kreditl\u0259\u015fm\u0259y\u0259 y\u00f6n\u0259ltm\u0259kd\u0259 \u00e7\u0259tinlik \u00e7\u0259kirl\u0259r. Ona g\u00f6r\u0259 d\u0259 \u0259sas diqq\u0259t resurslar\u0131n ucuzla\u015fd\u0131r\u0131lmas\u0131na y\u00f6n\u0259ldilm\u0259lidir. Bunun yollar\u0131ndan biri odur ki, s\u0131\u011fortalanan \u0259man\u0259tl\u0259rin illik faiz d\u0259r\u0259c\u0259si a\u015fa\u011f\u0131 sal\u0131nmal\u0131d\u0131r.<\/p>\n

\u201c\u0130lk n\u00f6vb\u0259d\u0259 manat \u00fczr\u0259 s\u0131\u011fortalanan \u0259man\u0259tl\u0259rin illik faiz d\u0259r\u0259c\u0259si yuxar\u0131 tavan\u0131 15% saxlamaqla a\u015fa\u011f\u0131 tavan\u0131 10%-\u0259 endirilm\u0259lidir. S\u0131\u011fortalanan \u0259man\u0259tl\u0259r\u0259 g\u00f6r\u0259 banklardan y\u0131\u011f\u0131lan s\u0131\u011forta haqq\u0131n\u0131n haz\u0131rk\u0131\u00a0s\u0259viyy\u0259si (qorunan \u0259man\u0259tl\u0259rin r\u00fcb \u0259rzind\u0259 orta g\u00fcnl\u00fck qal\u0131q m\u0259bl\u0259\u011finin 0,125 faizi) illik faiz d\u0259r\u0259c\u0259si 10% olan \u0259man\u0259tl\u0259r\u0259 \u015famil edilm\u0259lidir.<\/p>\n

Qorunan \u0259man\u0259tl\u0259rin illik faiz d\u0259r\u0259c\u0259si artd\u0131qca s\u0131\u011forta haqlar\u0131 da ona uy\u011fun art\u0131r\u0131lmal\u0131d\u0131r. \u0130llik faiz d\u0259r\u0259c\u0259si 15%-d\u0259n y\u00fcks\u0259k faizl\u0259 c\u0259lb edil\u0259n \u0259man\u0259tl\u0259r is\u0259 s\u0131\u011fortalanmamal\u0131d\u0131r. Bu add\u0131m bir t\u0259r\u0259fd\u0259n \u0259man\u0259t bazar\u0131nda illik faiz d\u0259r\u0259c\u0259l\u0259rinin azalmas\u0131n\u0131 t\u0259min ed\u0259c\u0259k, dig\u0259r t\u0259r\u0259fd\u0259n banklar\u0131 y\u00fcks\u0259k faizl\u0259 \u0259man\u0259t c\u0259lbi niyy\u0259tind\u0259n \u00e7\u0259kindir\u0259c\u0259k\u201d.oxu.az<\/p>\n","protected":false},"excerpt":{"rendered":"

Mart ay\u0131 yax\u0131nla\u015f\u0131r v\u0259 \u0259man\u0259tl\u0259rin tam s\u0131\u011fortalanmas\u0131 bar\u0259d\u0259 2016-c\u0131 ild\u0259 q\u0259bul edilmi\u015f \u201c\u018fman\u0259tl\u0259rin tam s\u0131\u011fortalanmas\u0131 haqq\u0131nda\u201d qanunun q\u00fcvv\u0259d\u0259 olma m\u00fcdd\u0259ti bitir. ARANTV.AZ\u00a0\u00a0x\u0259b\u0259r verir ki, iqtisad\u00e7\u0131-ekspert Samir \u018fliyevin s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, haz\u0131rda banklara yerl\u0259\u015fdirilmi\u015f b\u00fct\u00fcn \u0259man\u0259tl\u0259r qorunur, bir \u015f\u0259rtl\u0259 ki, milli valyutada yerl\u0259\u015fdirilmi\u015f \u0259man\u0259tl\u0259rin illik faiz d\u0259r\u0259c\u0259si 15%-d\u0259n, xarici valyuta \u0259man\u0259tl\u0259rinin illik faiz d\u0259r\u0259c\u0259si is\u0259 3%-d\u0259n y\u00fcks\u0259k olmas\u0131n. Yax\u0131n bir ay \u0259rzind\u0259 m\u00fcdd\u0259t uzad\u0131lmasa, bu qanun q\u00fcvv\u0259sini itir\u0259c\u0259k v\u0259 \u0259vv\u0259l q\u00fcvv\u0259d\u0259 olmu\u015f qanun \u2013 \u201c\u018fman\u0259tl\u0259rin s\u0131\u011fortalanmas\u0131 haqq\u0131nda\u201c qanun yenid\u0259n i\u015fl\u0259y\u0259c\u0259k. Bu halda bank ba\u011flanaca\u011f\u0131 t\u0259qdird\u0259 al\u0131nacaq kompensasiyan\u0131n h\u0259cmi 30 min manatdan \u00e7ox…<\/p>\n","protected":false},"author":2,"featured_media":36131,"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\/2019\/01\/depozit-seyfi.jpg",620,379,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2019\/01\/depozit-seyfi.jpg",620,379,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2019\/01\/depozit-seyfi.jpg",620,379,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2019\/01\/depozit-seyfi-150x150.jpg",150,150,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2019\/01\/depozit-seyfi-300x183.jpg",300,183,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2019\/01\/depozit-seyfi.jpg",620,379,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2019\/01\/depozit-seyfi.jpg",620,379,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2019\/01\/depozit-seyfi.jpg",620,379,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2019\/01\/depozit-seyfi-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2019\/01\/depozit-seyfi.jpg",620,379,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":"Mart ay\u0131 yax\u0131nla\u015f\u0131r v\u0259 \u0259man\u0259tl\u0259rin tam s\u0131\u011fortalanmas\u0131 bar\u0259d\u0259 2016-c\u0131 ild\u0259 q\u0259bul edilmi\u015f \u201c\u018fman\u0259tl\u0259rin tam s\u0131\u011fortalanmas\u0131 haqq\u0131nda\u201d qanunun q\u00fcvv\u0259d\u0259 olma m\u00fcdd\u0259ti bitir. ARANTV.AZ\u00a0\u00a0x\u0259b\u0259r verir ki, iqtisad\u00e7\u0131-ekspert Samir \u018fliyevin s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, haz\u0131rda banklara yerl\u0259\u015fdirilmi\u015f b\u00fct\u00fcn \u0259man\u0259tl\u0259r qorunur, bir \u015f\u0259rtl\u0259 ki, milli valyutada yerl\u0259\u015fdirilmi\u015f \u0259man\u0259tl\u0259rin illik faiz d\u0259r\u0259c\u0259si 15%-d\u0259n, xarici valyuta \u0259man\u0259tl\u0259rinin illik faiz d\u0259r\u0259c\u0259si is\u0259 3%-d\u0259n y\u00fcks\u0259k…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/36130"}],"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=36130"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/36130\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/36131"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=36130"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=36130"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=36130"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}