{"id":49650,"date":"2019-04-06T14:41:02","date_gmt":"2019-04-06T11:41:02","guid":{"rendered":"http:\/\/arantv.az\/?p=49650"},"modified":"2019-04-06T14:41:02","modified_gmt":"2019-04-06T11:41:02","slug":"kredit-faizl%c9%99ri-n%c9%99-zaman-v%c9%99-n%c9%99-q%c9%99d%c9%99r-azaldilacaq-ekspert","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=49650","title":{"rendered":"Kredit faizl\u0259ri n\u0259 zaman v\u0259 n\u0259 q\u0259d\u0259r azald\u0131lacaq? &#8211; Ekspert"},"content":{"rendered":"<p><strong>Bank faizl\u0259rinin azald\u0131lmas\u0131 haz\u0131rda g\u00fcnd\u0259md\u0259 duran \u0259n vacib m\u0259s\u0259l\u0259l\u0259rd\u0259n biridir.<\/strong><\/p>\n<p><strong>ARANTV.AZ<\/strong>\u00a0 bildirir ki, bu s\u00f6zl\u0259ri\u00a0Axar.az-a Maliyy\u0259 Bazarlar\u0131na N\u0259zar\u0259t Palatas\u0131n\u0131n kredit faizl\u0259ri il\u0259 ba\u011fl\u0131 t\u0259klifini d\u0259y\u0259rl\u0259ndir\u0259n iqtisad\u00e7\u0131 alim\u00a0<strong>V\u00fcqar Bayramov<\/strong>\u00a0deyib. Ekspert bildirib ki, Az\u0259rbaycanda kommersiya banklar\u0131n\u0131n kredit faizl\u0259ri il\u0259 depozit faizl\u0259ri aras\u0131nda k\u0259skin f\u0259rq var:<\/p>\n<p>&#8220;Bel\u0259 ki, kommersiya banklar\u0131 orta hesabla depozitl\u0259ri manatla 7 faizl\u0259, xarici valyuta il\u0259 1 v\u0259 daha a\u015fa\u011f\u0131 faizl\u0259 c\u0259lb edir, ancaq manatla kreditl\u0259ri 30 faizl\u0259, xarici valyuta il\u0259 kreditl\u0259ri is\u0259 12-16 faizl\u0259 t\u0259klif edirl\u0259r. Bu da kreditl\u0259rl\u0259 bank faizl\u0259ri aras\u0131nda k\u0259skin f\u0259rqd\u0259n x\u0259b\u0259r verir. M\u00f6vcud statistikaya diqq\u0259t yetirs\u0259k, Az\u0259rbaycanda kredit portfelinin h\u0259cmi 12 milyard manatdan bir az art\u0131q, depozit portfeli is\u0259 8 milyard manatd\u0131r. Bu o dem\u0259kdir ki, depozit portfeli kredit portfelinin 65 faizini t\u0259\u015fkil edir. Y\u0259ni h\u0259r 100 manat\u0131n 65 manat\u0131 m\u0259hz depozit hesab\u0131na verilir. Praktik olaraq banklar bir v\u0259t\u0259nda\u015fdan v\u0259saiti c\u0259lb edib, b\u0259zi hallarda dig\u0259r v\u0259t\u0259nda\u015fa 5-6 d\u0259f\u0259 baha qiym\u0259t\u0259 t\u0259klif edir. Bu bax\u0131mdan faizl\u0259rin t\u0259nziml\u0259nm\u0259si \u00e7ox vacibdir&#8221;.<\/p>\n<p>\u0130qtisad\u00e7\u0131 hesab edir ki, faizl\u0259rin bank sektorunda r\u0259qab\u0259tin g\u00fccl\u0259ndiril\u0259r\u0259k t\u0259nziml\u0259nm\u0259si daha m\u0259qs\u0259d\u0259uy\u011fun olard\u0131:<\/p>\n<p>&#8220;Bu strateji bir yana\u015fmad\u0131r v\u0259 Palata h\u0259m d\u0259 bank sektorundak\u0131 r\u0259qab\u0259ti g\u00fccl\u0259ndirm\u0259lidir. Bununla da faizl\u0259rin strateji d\u00f6vrd\u0259 daha \u00e7ox azalmas\u0131na nail olmaq m\u00fcmk\u00fcn olacaq&#8221;.<\/p>\n<p>V.Bayramovun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, kredit faizl\u0259ri, o c\u00fcml\u0259d\u0259n komisyon haqlar\u0131 v\u0259 bank xidm\u0259tl\u0259rin\u0259 maksimum h\u0259ddin m\u00fc\u0259yy\u0259nl\u0259\u015fdirilm\u0259si s\u0259lahiyy\u0259tl\u0259ri Palataya kredit faizl\u0259rini t\u0259nziml\u0259m\u0259y\u0259 imkan verir:<\/p>\n<div id=\"AdviadNativeVideo0\" class=\"AdviadNativeVideo\"><\/div>\n<p>&#8220;\u018fg\u0259r bank sektorunda r\u0259qab\u0259tin g\u00fccl\u0259ndirilm\u0259si, banklar\u0131n likvidliyinin art\u0131r\u0131lmas\u0131 v\u0259 sa\u011flamla\u015fd\u0131r\u0131lmas\u0131, idar\u0259etm\u0259sinin formala\u015fd\u0131r\u0131lmas\u0131 istiqam\u0259tind\u0259 f\u0259aliyy\u0259tl\u0259r g\u00fccl\u0259n\u0259rs\u0259, bu praktik olaraq kredit faizl\u0259rinin t\u0259nziml\u0259nm\u0259sin\u0259 imkan ver\u0259c\u0259k. Manat v\u0259 dollar krediti faizl\u0259rind\u0259 bu \u015f\u0259rtl\u0259r daxilind\u0259 azalmalar m\u00fcmk\u00fcnd\u00fcr. Banklar\u0131n haz\u0131rda daha \u00e7ox g\u0259lir \u0259ld\u0259 etm\u0259kd\u0259 v\u0259 y\u00fcks\u0259k faizli kreditl\u0259\u015fm\u0259d\u0259 meyilli oldu\u011funu n\u0259z\u0259r\u0259 alsaq, faizl\u0259rd\u0259 azalmalar q\u0131sa zamanda olmayacaq. Kredit faizl\u0259rind\u0259 bu ilin sonuna do\u011fru, 2020-ci ild\u0259 azalmalar m\u00fc\u015fahid\u0259 edil\u0259c\u0259k&#8221;.<\/p>\n<p>Ekspert orta hesabla h\u0259m manat, h\u0259m d\u0259 dollar kreditl\u0259rind\u0259 3 faiz\u0259 yax\u0131n azalman\u0131n olaca\u011f\u0131n\u0131 deyib:<\/p>\n<p>&#8220;B\u00fct\u00fcn hallarda Palatan\u0131n m\u00f6vqeyi \u00e7ox \u00f6n\u0259mlidir. Palata yaln\u0131z inzibati deyil, bu sektorda r\u0259qab\u0259ti g\u00fccl\u0259ndirm\u0259kl\u0259 d\u0259 faizl\u0259rin a\u015fa\u011f\u0131 d\u00fc\u015fm\u0259sin\u0259 \u00e7al\u0131\u015fmal\u0131d\u0131r. Ancaq \u00fcmumilikd\u0259 m\u00f6vcud s\u0259lahiyy\u0259tl\u0259rin v\u0259 bank sektorunda m\u0259nf\u0259\u0259tin olmas\u0131n\u0131 n\u0259z\u0259r\u0259 alsaq, azalma m\u00fcmk\u00fcnd\u00fcr&#8221;.<\/p>\n<p>Qeyd ed\u0259k ki, Maliyy\u0259 Bazarlar\u0131na N\u0259zar\u0259t Palatas\u0131 Az\u0259rbaycanda kreditl\u0259r \u00fczr\u0259 orta faiz d\u0259r\u0259c\u0259sini azaltma\u011f\u0131\u00a0t\u0259klif\u00a0edir. T\u0259klif h\u0259l\u0259 ki, m\u00fczakir\u0259 m\u0259rh\u0259l\u0259sind\u0259dir.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bank faizl\u0259rinin azald\u0131lmas\u0131 haz\u0131rda g\u00fcnd\u0259md\u0259 duran \u0259n vacib m\u0259s\u0259l\u0259l\u0259rd\u0259n biridir. ARANTV.AZ\u00a0 bildirir ki, bu s\u00f6zl\u0259ri\u00a0Axar.az-a Maliyy\u0259 Bazarlar\u0131na N\u0259zar\u0259t Palatas\u0131n\u0131n kredit faizl\u0259ri il\u0259 ba\u011fl\u0131 t\u0259klifini d\u0259y\u0259rl\u0259ndir\u0259n iqtisad\u00e7\u0131 alim\u00a0V\u00fcqar Bayramov\u00a0deyib. Ekspert bildirib ki, Az\u0259rbaycanda kommersiya banklar\u0131n\u0131n kredit faizl\u0259ri il\u0259 depozit faizl\u0259ri aras\u0131nda k\u0259skin f\u0259rq var: &#8220;Bel\u0259 ki, kommersiya banklar\u0131 orta hesabla depozitl\u0259ri manatla 7 faizl\u0259, xarici valyuta il\u0259 1 v\u0259 daha a\u015fa\u011f\u0131 faizl\u0259 c\u0259lb edir, ancaq manatla kreditl\u0259ri 30 faizl\u0259, xarici valyuta il\u0259 kreditl\u0259ri is\u0259 12-16 faizl\u0259 t\u0259klif edirl\u0259r. Bu da kreditl\u0259rl\u0259 bank faizl\u0259ri aras\u0131nda k\u0259skin f\u0259rqd\u0259n x\u0259b\u0259r verir. M\u00f6vcud statistikaya diqq\u0259t&hellip;<\/p>\n","protected":false},"author":2,"featured_media":49651,"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\/2019\/04\/744717.jpg",800,600,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2019\/04\/744717.jpg",800,600,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2019\/04\/744717.jpg",800,600,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2019\/04\/744717-150x150.jpg",150,150,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2019\/04\/744717-300x225.jpg",300,225,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2019\/04\/744717.jpg",640,480,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2019\/04\/744717.jpg",800,600,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2019\/04\/744717.jpg",800,600,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2019\/04\/744717-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2019\/04\/744717.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":"Bank faizl\u0259rinin azald\u0131lmas\u0131 haz\u0131rda g\u00fcnd\u0259md\u0259 duran \u0259n vacib m\u0259s\u0259l\u0259l\u0259rd\u0259n biridir. ARANTV.AZ\u00a0 bildirir ki, bu s\u00f6zl\u0259ri\u00a0Axar.az-a Maliyy\u0259 Bazarlar\u0131na N\u0259zar\u0259t Palatas\u0131n\u0131n kredit faizl\u0259ri il\u0259 ba\u011fl\u0131 t\u0259klifini d\u0259y\u0259rl\u0259ndir\u0259n iqtisad\u00e7\u0131 alim\u00a0V\u00fcqar Bayramov\u00a0deyib. Ekspert bildirib ki, Az\u0259rbaycanda kommersiya banklar\u0131n\u0131n kredit faizl\u0259ri il\u0259 depozit faizl\u0259ri aras\u0131nda k\u0259skin f\u0259rq var: &#8220;Bel\u0259 ki, kommersiya banklar\u0131 orta hesabla depozitl\u0259ri manatla 7 faizl\u0259, xarici valyuta&hellip;","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/49650"}],"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=49650"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/49650\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/49651"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=49650"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=49650"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=49650"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}