M\u0259lum oldu\u011fu kimi, sentyabr\u0131n 17-d\u0259 son 5 il \u0259rzind\u0259 ilk d\u0259f\u0259 M\u0259rk\u0259zi Bank t\u0259r\u0259find\u0259n faiz art\u0131m\u0131na gedilib. M\u0259rk\u0259zi Bank\u0131n \u0130dar\u0259 Hey\u0259ti u\u00e7ot d\u0259r\u0259c\u0259sinin 6,25 faizd\u0259n 6,5 faiz\u0259 qald\u0131r\u0131lmas\u0131na q\u0259rar verib. Bununla da, d\u0259hlizin a\u015fa\u011f\u0131 h\u0259ddinin 5,75 faizd\u0259n 6 faiz\u0259, yuxar\u0131 h\u0259ddinin is\u0259 6,75 faizd\u0259n 7 faiz\u0259 y\u00fcks\u0259ldilm\u0259si t\u0259sdiq edilib.<\/p>\n
M\u0259rk\u0259zi Bank q\u0131sam\u00fcdd\u0259tli maliyy\u0259 v\u0259saitl\u0259rinin d\u0259y\u0259rini m\u00fc\u0259yy\u0259nl\u0259\u015fdirm\u0259kl\u0259 iqtisadiyyatda daha uzunm\u00fcdd\u0259tli faiz d\u0259r\u0259c\u0259l\u0259rinin formala\u015fmas\u0131na t\u0259sir g\u00f6st\u0259rir. M\u0259hz, bu faizl\u0259rl\u0259 \u0259haliy\u0259 v\u0259 iqtisadiyyata kredit verilir.<\/p>\n
M\u0259rk\u0259zi Bank siyas\u0259t faiz d\u0259r\u0259c\u0259sini azaltd\u0131qda iqtisadiyyatda faizl\u0259r a\u015fa\u011f\u0131 d\u00fc\u015f\u00fcr v\u0259 bank m\u00fc\u015ft\u0259ril\u0259rinin ucuz kreditl\u0259r\u0259 \u00e7\u0131x\u0131\u015f\u0131, onlar\u0131n investisiya v\u0259 istehlak aktivliyi art\u0131r. Lakin, bu, eyni zamanda pul k\u00fctl\u0259sinin art\u0131rmas\u0131na v\u0259 inflyasiyaya da s\u0259b\u0259b olur. Y\u0259ni, n\u0259tic\u0259d\u0259 istehlak bazar\u0131nda qiym\u0259tl\u0259r art\u0131r.<\/p>\n
Dig\u0259r t\u0259r\u0259fd\u0259n M\u0259rk\u0259zi Bank\u0131n siyas\u0259t faiz d\u0259r\u0259c\u0259sini art\u0131rmas\u0131 iqtisadiyyatda faizl\u0259rin artmas\u0131na da s\u0259b\u0259b ola bilir. N\u0259tic\u0259d\u0259 kredit resurslar\u0131 bahala\u015fmaqla istehlak v\u0259 investisiya aktivliyi d\u0259 azala bil\u0259r. Lakin, bu q\u0259rar pul k\u00fctl\u0259sini azaltma\u011fa imkan verm\u0259kl\u0259 inflyasiyan\u0131n da qar\u015f\u0131s\u0131n\u0131 al\u0131r, dolay\u0131s\u0131yla qiym\u0259t art\u0131m\u0131n\u0131n qar\u015f\u0131s\u0131 al\u0131n\u0131r.<\/p>\n
Bir n\u00f6v M\u0259rk\u0259zi Bank t\u0259r\u0259find\u0259n u\u00e7ot d\u0259r\u0259c\u0259si il\u0259 ba\u011fl\u0131 veril\u0259n q\u0259rarlar qeyd edil\u0259n v\u0259 faiz d\u0259r\u0259c\u0259sind\u0259n as\u0131l\u0131 olan prosesl\u0259ri n\u0259zar\u0259td\u0259 saxlama\u011fa hesablan\u0131b.<\/p>\n
Siyas\u0259t faiz d\u0259r\u0259c\u0259si il\u0259 ba\u011fl\u0131 son d\u0259yi\u015fikliyin banklar t\u0259r\u0259find\u0259n \u0259haliy\u0259 veril\u0259n kredit faizl\u0259rin\u0259 v\u0259 maliyy\u0259 institutlar\u0131n\u0131n \u0259man\u0259tc\u0259lbetm\u0259 siyas\u0259tin\u0259 t\u0259sirl\u0259rini Oxu.Az-a \u015f\u0259rh ed\u0259n iqtisad\u00e7\u0131 Ruslan Ataki\u015fiyev bildirib ki, bu q\u0259rarlar x\u00fcsusil\u0259 kommersiya banklar\u0131n\u0131n, \u00fcmumiyy\u0259tl\u0259, f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n b\u00fct\u00fcn banklar\u0131n, o c\u00fcml\u0259d\u0259n bank olmayan kredit t\u0259\u015fkilatlar\u0131n\u0131n v\u0259 m\u00fcxt\u0259lif maliyy\u0259 institutlar\u0131n\u0131n M\u0259rk\u0259zi Bankdan maliyy\u0259 v\u0259saitini almaq imkanlar\u0131n\u0131n m\u0259hdudla\u015fd\u0131r\u0131lmas\u0131 v\u0259 ya art\u0131r\u0131lmas\u0131 il\u0259 ba\u011fl\u0131 olur.<\/p>\n
Banklar kredit faizl\u0259rini art\u0131ra bil\u0259r?<\/p>\n
\u0130qtisad\u00e7\u0131n\u0131n s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, M\u0259rk\u0259zi Bank u\u00e7ot d\u0259r\u0259c\u0259sini art\u0131rmaqda o zaman maraql\u0131 olur ki, \u00f6lk\u0259d\u0259 f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n maliyy\u0259 institutlar\u0131 alternativ maliyy\u0259 m\u0259nb\u0259l\u0259ri c\u0259lb etsinl\u0259r:<\/p>\n
\u201cAlternativ maliyy\u0259 m\u0259nb\u0259l\u0259ri dedikd\u0259, M\u0259rk\u0259zi Bankdan k\u0259nar maliyy\u0259 m\u0259nb\u0259l\u0259ri n\u0259z\u0259rd\u0259 tutulur. Haz\u0131rda maliyy\u0259 institutlar\u0131n\u0131n bu m\u0259nb\u0259l\u0259rd\u0259n v\u0259saiti c\u0259lb etm\u0259sin\u0259 \u00fcst\u00fcnl\u00fck verilir. K\u0259nar maliyy\u0259 m\u0259nb\u0259l\u0259rin\u0259 \u0259halinin \u0259man\u0259tl\u0259ri, m\u00fcxt\u0259lif maliyy\u0259 t\u0259\u015fkilatlar\u0131n\u0131n kreditl\u0259ri v\u0259 dig\u0259r v\u0259saitl\u0259ri daxildir.<\/p>\n
M\u0259rk\u0259zi Bank bu yolla y\u0131\u011f\u0131mlar\u0131n, \u0259ld\u0259 olan v\u0259saitl\u0259rin daha \u00e7ox d\u00f6vriyy\u0259y\u0259 c\u0259lb olunmas\u0131nda maraql\u0131d\u0131r. Lakin iqtisadiyyat\u0131n geni\u015fl\u0259ndirilm\u0259si v\u0259 kapital \u00e7at\u0131\u015fmazl\u0131\u011f\u0131 problemi yarand\u0131\u011f\u0131 zaman banklar k\u0259nar m\u0259nb\u0259l\u0259rd\u0259n v\u0259sait c\u0259lb etm\u0259kd\u0259 \u00e7\u0259tinlik \u00e7\u0259kirs\u0259 M\u0259rk\u0259zi Bank faiz d\u0259r\u0259c\u0259l\u0259rini a\u015fa\u011f\u0131 salmaqla bu bo\u015flu\u011fu \u00f6z v\u0259saiti hesab\u0131na doldurma\u011fa \u00e7al\u0131\u015f\u0131r. \u00dcmumiyy\u0259tl\u0259, M\u0259rk\u0259zi Bank\u0131n faiz d\u0259r\u0259c\u0259l\u0259rini a\u015fa\u011f\u0131 salmas\u0131 m\u00f6vcud faiz d\u0259r\u0259c\u0259l\u0259rin\u0259 bu v\u0259 ya dig\u0259r \u015f\u0259kild\u0259 t\u0259sir g\u00f6st\u0259rir, lakin haz\u0131rki v\u0259ziyy\u0259td\u0259 Az\u0259rbaycanda m\u00f6vcud bazar\u0131n m\u0259hdudlu\u011fu v\u0259 dig\u0259r m\u0259s\u0259l\u0259l\u0259r faiz d\u0259r\u0259c\u0259l\u0259rin\u0259 b\u00f6y\u00fck \u015f\u0259kild\u0259 t\u0259sir g\u00f6st\u0259r\u0259 bilmir\u201d.<\/p>\n
\u201cHaz\u0131rda \u00f6lk\u0259d\u0259 faiz d\u0259r\u0259c\u0259l\u0259rinin art\u0131lmas\u0131na r\u0259vac ver\u0259c\u0259k v\u0259ziyy\u0259t yoxdur\u201d<\/p>\n
Onun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, u\u00e7ot d\u0259r\u0259c\u0259sinin art\u0131r\u0131lmas\u0131 faiz d\u0259r\u0259c\u0259sinin artmas\u0131na g\u0259tirib \u00e7\u0131xarmayacaq, haz\u0131rda u\u00e7ot d\u0259r\u0259c\u0259si art\u0131r\u0131lmas\u0131nda m\u0259qs\u0259d banklar\u0131n M\u0259rk\u0259zi Bankdan k\u0259nar v\u0259saitl\u0259r\u0259 v\u0259 \u0259halid\u0259n y\u0131\u011f\u0131mlara y\u00f6n\u0259ldilm\u0259sidir.<\/p>\n
B\u0259s, banklar daha \u00e7ox v\u0259sait c\u0259lb etm\u0259k \u00fc\u00e7\u00fcn \u0259man\u0259tl\u0259r\u0259 g\u00f6r\u0259 faizl\u0259ri art\u0131ra bil\u0259rmi?<\/p>\n
M\u00fct\u0259x\u0259ssis qeyd edib ki, banklar \u00f6z \u0259man\u0259t\u00e7il\u0259rind\u0259n v\u0259sait c\u0259lb ed\u0259n zaman faiz d\u0259r\u0259c\u0259l\u0259rini f\u0259rqli m\u00fc\u0259yy\u0259n ed\u0259 bil\u0259rl\u0259r:<\/p>\n
\u201cBu zaman 100 000 manata q\u0259d\u0259r olan \u0259man\u0259tl\u0259rin s\u0131\u011fortalanmas\u0131, el\u0259c\u0259 d\u0259 bu m\u0259bl\u0259\u011fd\u0259n yuxar\u0131 olan \u0259man\u0259tl\u0259rin s\u0131\u011fortalanmas\u0131 m\u0259s\u0259l\u0259si d\u0259 \u0259man\u0259tl\u0259r \u00fczr\u0259 faiz d\u0259r\u0259c\u0259l\u0259rin\u0259 t\u0259sir g\u00f6st\u0259r\u0259 bil\u0259r. Haz\u0131rda banklar\u0131n \u0259man\u0259tl\u0259ri \u00fczr\u0259 faiz d\u0259r\u0259c\u0259l\u0259ri ortalama 16,5 – 17 faiz civar\u0131nda formala\u015f\u0131b v\u0259 bundan daha \u00e7ox faiz art\u0131m\u0131na getm\u0259k s\u0259rf\u0259li hesab edilmir. Dig\u0259r t\u0259r\u0259fd\u0259n \u00fcmumi bazarda art\u0131m olmal\u0131d\u0131r, t\u0259kc\u0259 bir bank\u0131n q\u0259rar\u0131 \u00fcmumi art\u0131ma t\u0259sir ed\u0259 bilmir\u201d.<\/p>\n
Xat\u0131rladaq ki, siyas\u0259t faiz d\u0259r\u0259c\u0259si il\u0259 ba\u011fl\u0131 art\u0131m bundan \u0259vv\u0259l 2016-c\u0131 il sentyabr\u0131n 14-d\u0259 edilib v\u0259 u\u00e7ot d\u0259r\u0259c\u0259si 9,5 faizd\u0259n 15 faiz\u0259 qald\u0131r\u0131l\u0131b.<\/p>\n","protected":false},"excerpt":{"rendered":"
M\u0259lum oldu\u011fu kimi, sentyabr\u0131n 17-d\u0259 son 5 il \u0259rzind\u0259 ilk d\u0259f\u0259 M\u0259rk\u0259zi Bank t\u0259r\u0259find\u0259n faiz art\u0131m\u0131na gedilib. M\u0259rk\u0259zi Bank\u0131n \u0130dar\u0259 Hey\u0259ti u\u00e7ot d\u0259r\u0259c\u0259sinin 6,25 faizd\u0259n 6,5 faiz\u0259 qald\u0131r\u0131lmas\u0131na q\u0259rar verib. Bununla da, d\u0259hlizin a\u015fa\u011f\u0131 h\u0259ddinin 5,75 faizd\u0259n 6 faiz\u0259, yuxar\u0131 h\u0259ddinin is\u0259 6,75 faizd\u0259n 7 faiz\u0259 y\u00fcks\u0259ldilm\u0259si t\u0259sdiq edilib. M\u0259rk\u0259zi Bank q\u0131sam\u00fcdd\u0259tli maliyy\u0259 v\u0259saitl\u0259rinin d\u0259y\u0259rini m\u00fc\u0259yy\u0259nl\u0259\u015fdirm\u0259kl\u0259 iqtisadiyyatda daha uzunm\u00fcdd\u0259tli faiz d\u0259r\u0259c\u0259l\u0259rinin formala\u015fmas\u0131na t\u0259sir g\u00f6st\u0259rir. M\u0259hz, bu faizl\u0259rl\u0259 \u0259haliy\u0259 v\u0259 iqtisadiyyata kredit verilir. M\u0259rk\u0259zi Bank siyas\u0259t faiz d\u0259r\u0259c\u0259sini azaltd\u0131qda iqtisadiyyatda faizl\u0259r a\u015fa\u011f\u0131 d\u00fc\u015f\u00fcr v\u0259 bank m\u00fc\u015ft\u0259ril\u0259rinin ucuz kreditl\u0259r\u0259 \u00e7\u0131x\u0131\u015f\u0131, onlar\u0131n investisiya…<\/p>\n","protected":false},"author":2,"featured_media":157640,"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":[26],"tags":[],"aioseo_notices":[],"gutentor_comment":0,"rttpg_featured_image_url":{"full":["https:\/\/arantv.az\/wp-content\/uploads\/2020\/05\/pul.jpg",620,465,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2020\/05\/pul.jpg",620,465,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2020\/05\/pul.jpg",620,465,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2020\/05\/pul-150x150.jpg",150,150,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2020\/05\/pul-300x225.jpg",300,225,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2020\/05\/pul.jpg",620,465,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2020\/05\/pul.jpg",620,465,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2020\/05\/pul.jpg",620,465,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2020\/05\/pul-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2020\/05\/pul.jpg",620,465,false]},"rttpg_author":{"display_name":"V\u00fcsal Rafiqo\u011flu","author_link":"https:\/\/arantv.az\/?author=2"},"rttpg_comment":0,"rttpg_category":"Sosial<\/a>","rttpg_excerpt":"M\u0259lum oldu\u011fu kimi, sentyabr\u0131n 17-d\u0259 son 5 il \u0259rzind\u0259 ilk d\u0259f\u0259 M\u0259rk\u0259zi Bank t\u0259r\u0259find\u0259n faiz art\u0131m\u0131na gedilib. M\u0259rk\u0259zi Bank\u0131n \u0130dar\u0259 Hey\u0259ti u\u00e7ot d\u0259r\u0259c\u0259sinin 6,25 faizd\u0259n 6,5 faiz\u0259 qald\u0131r\u0131lmas\u0131na q\u0259rar verib. Bununla da, d\u0259hlizin a\u015fa\u011f\u0131 h\u0259ddinin 5,75 faizd\u0259n 6 faiz\u0259, yuxar\u0131 h\u0259ddinin is\u0259 6,75 faizd\u0259n 7 faiz\u0259 y\u00fcks\u0259ldilm\u0259si t\u0259sdiq edilib. M\u0259rk\u0259zi Bank q\u0131sam\u00fcdd\u0259tli maliyy\u0259 v\u0259saitl\u0259rinin d\u0259y\u0259rini…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/380772"}],"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=380772"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/380772\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/157640"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=380772"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=380772"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=380772"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}