{"id":440398,"date":"2022-02-17T19:54:55","date_gmt":"2022-02-17T16:54:55","guid":{"rendered":"http:\/\/arantv.az\/?p=440398"},"modified":"2022-02-17T19:54:55","modified_gmt":"2022-02-17T16:54:55","slug":"az%c9%99rbaycan-banklarinin-c%c9%99lbedici-kredit-t%c9%99klifl%c9%99ri-risk-yaradirmi-arasdirma","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=440398","title":{"rendered":"Az\u0259rbaycan banklar\u0131n\u0131n c\u0259lbedici kredit t\u0259klifl\u0259ri risk yarad\u0131rm\u0131? – ARA\u015eDIRMA"},"content":{"rendered":"

Az\u0259rbaycan banklar\u0131 manat\u0131n 2015-ci ild\u0259ki devalvasiyas\u0131ndan \u0259vv\u0259l oldu\u011fu kimi, yenid\u0259n \u0259haliy\u0259 aktiv \u015f\u0259kild\u0259 pul t\u0259klif etm\u0259y\u0259 ba\u015flay\u0131b.<\/p>\n

Bunu banklar\u0131n ad\u0131ndan v\u0259t\u0259nda\u015flara g\u00f6nd\u0259ril\u0259n SMS-l\u0259rd\u0259n d\u0259 hiss etm\u0259k olur. \u0130smar\u0131clarda insanlara 20-40 min manat aras\u0131nda na\u011fd pul krediti t\u0259klif olunur v\u0259 bu t\u0259klifl\u0259rd\u0259n faydalananlar da az deyil. Son n\u0259tic\u0259d\u0259 2021-ci ilin yekununda Az\u0259rbaycanda ev t\u0259s\u0259rr\u00fcfatlar\u0131n\u0131n ald\u0131\u011f\u0131 kreditl\u0259rin \u00fcmumi m\u0259bl\u0259\u011fi t\u0259xmin\u0259n 2020-ci ilin yekunu il\u0259 m\u00fcqayis\u0259d\u0259 28 % artaraq 8,6 milyard manat\u0131 ke\u00e7ib. Onlar\u0131n kredit qoyulu\u015fundak\u0131 pay\u0131 is\u0259 uzun ill\u0259rd\u0259n sonra yenid\u0259n 50 %-i \u00fcst\u0259l\u0259yib.<\/p>\n

<\/div>\n

B\u0259s bu c\u00fcr aqressiv kreditl\u0259\u015fm\u0259 devalvasiyadan sonra oldu\u011fu kimi yenid\u0259n Az\u0259rbaycan\u0131n bank sektoruna problem yarada, vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259ri art\u0131ra bil\u0259rmi? Milli valyutan\u0131n 7 il \u0259vv\u0259lki ucuzla\u015fd\u0131r\u0131lmas\u0131ndan sonra \u00f6lk\u0259d\u0259 vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rin \u00fcmumi m\u0259bl\u0259\u011fi t\u0259xmin\u0259n 50 % artaraq 1,5 milyard manat\u0131 ke\u00e7mi\u015f, onlar\u0131n kredit qoyulu\u015fundak\u0131 x\u00fcsusi \u00e7\u0259kisi is\u0259 t\u0259dric\u0259n artaraq 14 %-\u0259 y\u00fcks\u0259lmi\u015fdi. Yaln\u0131z 2019-cu ild\u0259 manat\u0131n m\u0259z\u0259nn\u0259si sabitl\u0259\u015fdikd\u0259n sonra kredit \u00f6d\u0259ni\u015fl\u0259ri nizama d\u00fc\u015fm\u00fc\u015f, problemli kreditl\u0259r azalma\u011fa ba\u015flam\u0131\u015fd\u0131. Odur ki, banklar\u0131n haz\u0131rki kredit siyas\u0259ti narahatl\u0131q do\u011furmaya bilm\u0259z.<\/p>\n

\u201cBu g\u00fcn banklar ehtiyatl\u0131d\u0131rlar\u201d<\/strong><\/p>\n

Bununla ba\u011fl\u0131 \u201cReport\u201da a\u00e7\u0131qlama ver\u0259n iqtisad\u00e7\u0131-ekspert \u018fkr\u0259m H\u0259s\u0259nov hesab edir ki, banklar\u0131n c\u0259lbedici t\u0259klifl\u0259rin\u0259 baxmayaraq bu g\u00fcn h\u0259min m\u0259bl\u0259\u011fl\u0259r el\u0259 d\u0259 \u0259l\u00e7atan deyil v\u0259 kredit t\u0259\u015fkilatlar\u0131 ehtiyatl\u0131d\u0131rlar: \u201cHaz\u0131rda koronavirus (COVID-19) pandemiyas\u0131 il\u0259 \u0259laq\u0259dar Az\u0259rbaycandak\u0131 iqtisadi aktivlik el\u0259 d\u0259 y\u00fcks\u0259k olmad\u0131\u011f\u0131 \u00fc\u00e7\u00fcn banklar yenid\u0259n istehlak krediti verm\u0259y\u0259 meyll\u0259nibl\u0259r. Amma bu g\u00fcn banklar kifay\u0259t q\u0259d\u0259r ehtiyatl\u0131d\u0131rlar. Kredit verm\u0259k \u00fc\u00e7\u00fcn daha \u00e7ox \u0259lind\u0259 inzibati al\u0259tl\u0259r olan banklar f\u0259all\u0131q g\u00f6st\u0259rir, m\u0259s\u0259l\u0259n, \u0259m\u0259k haqq\u0131 hesab\u0131 n\u0259zar\u0259tind\u0259 olan \u015f\u0259xsl\u0259r\u0259 b\u00f6y\u00fck m\u0259bl\u0259\u011fl\u0259r t\u0259klif edirl\u0259r. \u00c7\u00fcnki v\u0259t\u0259nda\u015f sabah krediti \u00f6d\u0259m\u0259s\u0259, bank onun \u0259m\u0259k haqq\u0131 kart\u0131ndan b\u00fct\u00fcn m\u0259vacibi tuta bilir. \u018fg\u0259r \u0259m\u0259k haqq\u0131 kart\u0131 ba\u015fqa banka m\u0259xsus olsa, bank problemli m\u00fc\u015ft\u0259rini m\u0259hk\u0259m\u0259y\u0259 verm\u0259lidir, bu proses is\u0259 ill\u0259rl\u0259 davam ed\u0259 bil\u0259r\u201d.<\/p>\n

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\u201c\u0130\u015f \u015f\u0259xsiyy\u0259t v\u0259siq\u0259si il\u0259 bitmir\u201d<\/strong><\/p>\n

\u201cAz\u0259rbaycan Banklar Assosiasiyas\u0131\u201d (ABA) \u0130ctimai Birliyinin Ba\u015f iqtisad\u00e7\u0131s\u0131 \u018fziza\u011fa Haxverdiyev d\u0259 deyir ki, istehlak kreditinin \u015f\u0259rtl\u0259ri k\u0259nardan g\u00f6r\u00fcnd\u00fcy\u00fc kimi sad\u0259 deyil: \u201c\u0130lk bax\u0131\u015fdan el\u0259 g\u00f6r\u00fcn\u0259 bil\u0259r ki, t\u0259kc\u0259 \u015f\u0259xsiyy\u0259t v\u0259siq\u0259sinin olmas\u0131 kredit alma\u011fa b\u0259s edir, amma i\u015f onunla bitmir. \u00c7\u00fcnki, kredit veril\u0259nd\u0259 v\u0259t\u0259nda\u015f\u0131n icaz\u0259si \u0259sas\u0131nda onun i\u015f yerin\u0259 bax\u0131l\u0131r, dig\u0259r banklar qar\u015f\u0131s\u0131ndak\u0131 \u00f6hd\u0259likl\u0259ri \u00f6yr\u0259nilir. Y\u0259ni, he\u00e7 d\u0259 h\u0259r \u015fey deyildiyi q\u0259d\u0259r sad\u0259 deyil\u201d.<\/p>\n

Bununla bel\u0259, ABA r\u0259smisi istehlak kreditl\u0259\u015fm\u0259sinin geni\u015fl\u0259nm\u0259sin\u0259 m\u0259nfi yana\u015fm\u0131r. Onun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, na\u011fd pul kreditl\u0259ri iqtisadi aktivliyi art\u0131r\u0131r: \u201cG\u00f6t\u00fcr\u00fcl\u0259n kreditl\u0259rin b\u00f6y\u00fck hiss\u0259sinin yerli istehsal m\u0259hsullar\u0131n al\u0131\u015f\u0131na y\u00f6n\u0259ldiyini n\u0259z\u0259r\u0259 alsaq, bu, \u00f6lk\u0259 daxilind\u0259 biznesin inki\u015faf\u0131na d\u0259st\u0259kdir\u201d.<\/p>\n

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\u201c\u018fsas odur ki, pul t\u0259yinat\u0131 \u00fczr\u0259 x\u0259rcl\u0259nsin\u201d<\/strong><\/p>\n

Bank m\u00fct\u0259x\u0259ssisi Emil \u018fliyev is\u0259 deyir ki, bu g\u00fcn \u00f6lk\u0259d\u0259 istehlak kreditl\u0259ri kifay\u0259t q\u0259d\u0259r \u0259l\u00e7atand\u0131r: \u201cH\u0259tta regionlardan g\u0259lib Bak\u0131da kiray\u0259d\u0259 qalan adamlar bel\u0259 6 ay bir yerd\u0259 i\u015fl\u0259s\u0259, maa\u015f\u0131n\u0131n az\u0131 10 misli q\u0259d\u0259r kredit g\u00f6t\u00fcr\u0259 bilir. Bunun riskl\u0259rin\u0259 g\u0259linc\u0259 d\u0259, \u0259sas odur ki, pul t\u0259yinat\u0131 \u00fczr\u0259 x\u0259rcl\u0259nsin. M\u0259s\u0259l\u0259n, m\u00fc\u015ft\u0259ri pulu t\u0259mir \u00fc\u00e7\u00fcn g\u00f6t\u00fcrd\u00fcy\u00fcn\u00fc deyib, onunla avtomobil almas\u0131n. Ad\u0259t\u0259n, kredit verilm\u0259zd\u0259n \u0259vv\u0259l bu kimi m\u0259s\u0259l\u0259l\u0259r \u00f6yr\u0259nilir, m\u0259bl\u0259\u011f ona uy\u011fun ayr\u0131l\u0131r. Odur ki, b\u00f6y\u00fck riskl\u0259r g\u00f6zl\u0259nilmir\u201d.<\/p>\n","protected":false},"excerpt":{"rendered":"

Az\u0259rbaycan banklar\u0131 manat\u0131n 2015-ci ild\u0259ki devalvasiyas\u0131ndan \u0259vv\u0259l oldu\u011fu kimi, yenid\u0259n \u0259haliy\u0259 aktiv \u015f\u0259kild\u0259 pul t\u0259klif etm\u0259y\u0259 ba\u015flay\u0131b. Bunu banklar\u0131n ad\u0131ndan v\u0259t\u0259nda\u015flara g\u00f6nd\u0259ril\u0259n SMS-l\u0259rd\u0259n d\u0259 hiss etm\u0259k olur. \u0130smar\u0131clarda insanlara 20-40 min manat aras\u0131nda na\u011fd pul krediti t\u0259klif olunur v\u0259 bu t\u0259klifl\u0259rd\u0259n faydalananlar da az deyil. Son n\u0259tic\u0259d\u0259 2021-ci ilin yekununda Az\u0259rbaycanda ev t\u0259s\u0259rr\u00fcfatlar\u0131n\u0131n ald\u0131\u011f\u0131 kreditl\u0259rin […]<\/p>\n","protected":false},"author":2,"featured_media":440399,"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,"footnotes":""},"categories":[19],"tags":[],"class_list":["post-440398","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-gundm"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t