H\u0259min m\u00fcsahib\u0259ni t\u0259qdim edirik:<\/p>\n
<\/p>\n
– Ziya m\u00fc\u0259llim, M\u0259rk\u0259zi Bank\u0131n m\u0259tbuat \u00fc\u00e7\u00fcn bug\u00fcnk\u00fc a\u00e7\u0131qlamas\u0131nda avton\u0259qliyyat vasit\u0259si sahibl\u0259rinin m\u00fclki m\u0259suliyy\u0259tinin icbari s\u0131\u011fortas\u0131 sah\u0259sind\u0259 yeni qaydalar\u0131n t\u0259sdiq edildiyi bildirildi. \u018fvv\u0259lc\u0259 bilm\u0259k ist\u0259rdik ki, on ild\u0259n art\u0131qd\u0131r \u00f6lk\u0259mizd\u0259 t\u0259tbiq olunan bu s\u0131\u011forta n\u00f6v\u00fcn\u00fcn c\u0259miyy\u0259timiz \u00fc\u00e7\u00fcn hans\u0131 faydalar\u0131 m\u00f6vcuddur?<\/strong><\/p>\n – Avton\u0259qliyyat vasit\u0259si sahibl\u0259rinin m\u00fclki m\u0259suliyy\u0259tinin icbari s\u0131\u011fortas\u0131, q\u0131saca olaraq des\u0259k, avto-icbari s\u0131\u011forta 2011-ci ild\u0259 q\u0259bul edilmi\u015f \u201c\u0130cbari s\u0131\u011fortalar haqq\u0131nda\u201d Qanunun q\u0259bulundan sonra \u00f6lk\u0259d\u0259 geni\u015f miqyasda t\u0259tbiq olunma\u011fa ba\u015flan\u0131l\u0131b. Bu Qanun n\u0259qliyyat vasit\u0259l\u0259rinin istifad\u0259si zaman\u0131 ba\u015f ver\u0259n yol-n\u0259qliyyat hadis\u0259l\u0259ri zaman\u0131 s\u00fcr\u00fcc\u00fcl\u0259r, z\u0259r\u0259rvuran v\u0259 z\u0259r\u0259r\u00e7\u0259k\u0259n t\u0259r\u0259fl\u0259r aras\u0131nda yaranan m\u00fcnasib\u0259tl\u0259rin sivil qaydada t\u0259nziml\u0259nm\u0259si bax\u0131m\u0131ndan b\u00f6y\u00fck faydalar verdi. Bilirsiniz ki, avto-icbari s\u0131\u011forta n\u0259qliyyat vasit\u0259si sahibl\u0259rinin \u00fc\u00e7\u00fcnc\u00fc \u015f\u0259xsl\u0259rin \u0259mlak\u0131na, s\u0259hh\u0259tin\u0259 vurduqlar\u0131 z\u0259r\u0259rl\u0259rin s\u0131\u011forta\u00e7\u0131 t\u0259r\u0259find\u0259n \u00f6d\u0259nilm\u0259sini n\u0259z\u0259rd\u0259 tutur. Bu s\u0131\u011fortan\u0131n t\u0259tbiqind\u0259n sonra yol-n\u0259qliyyat hadis\u0259l\u0259ri n\u0259tic\u0259sind\u0259 z\u0259r\u0259r vuran t\u0259r\u0259f maliyy\u0259 \u00f6hd\u0259likl\u0259rind\u0259n azad edildi, h\u0259m d\u0259 z\u0259r\u0259r\u00e7\u0259k\u0259n t\u0259r\u0259f\u0259 z\u0259r\u0259rin \u00f6d\u0259nil\u0259c\u0259yi il\u0259 ba\u011fl\u0131 rahatl\u0131q g\u0259tirildi. Ba\u015fqa s\u00f6zl\u0259, yol-n\u0259qliyyat hadis\u0259l\u0259ri n\u0259tic\u0259sind\u0259 yaranan z\u0259r\u0259rl\u0259rin qar\u015f\u0131lanmas\u0131 m\u0259s\u0259l\u0259si z\u0259r\u0259rvuran t\u0259r\u0259fl\u0259 z\u0259r\u0259r\u00e7\u0259k\u0259n t\u0259r\u0259f aras\u0131ndan z\u0259r\u0259r\u00e7\u0259k\u0259n t\u0259r\u0259fl\u0259 z\u0259r\u0259rvuran t\u0259r\u0259fin s\u0131\u011forta\u00e7\u0131s\u0131 aras\u0131na \u00f6t\u00fcr\u00fclm\u00fc\u015f oldu. Y\u0259ni yol-n\u0259qliyyat hadis\u0259l\u0259ri n\u0259tic\u0259sind\u0259 yaranan m\u00fcbahis\u0259l\u0259rin episentri d\u0259yi\u015fdi. N\u0259qliyyat vasit\u0259l\u0259ri istifad\u0259\u00e7il\u0259ri aras\u0131ndak\u0131 m\u00fcnasib\u0259tl\u0259rd\u0259 \u0259h\u0259miyy\u0259tli rahatl\u0131q v\u0259 m\u00fc\u0259yy\u0259nlik m\u00fchiti yaranm\u0131\u015f oldu.<\/p>\n Bir fakt\u0131 qeyd edim ki, 2021-ci il \u0259rzind\u0259 ba\u015f vermi\u015f 69 min yol-n\u0259qliyyat hadis\u0259l\u0259ri n\u0259tic\u0259sind\u0259 \u015f\u0259xsl\u0259rin \u0259mlak\u0131na v\u0259 s\u0259hh\u0259tin\u0259 d\u0259y\u0259n z\u0259r\u0259rl\u0259rin h\u0259cmi 74 milyon manat t\u0259\u015fkil edib v\u0259 bu m\u0259bl\u0259\u011f s\u0131\u011forta \u015firk\u0259tl\u0259ri t\u0259r\u0259find\u0259n tam \u00f6d\u0259nilib.<\/p>\n Onu da \u0259lav\u0259 edim ki, Qanun q\u0259bul edildikd\u0259n sonra \u00f6lk\u0259d\u0259 avto-icbari s\u0131\u011forta sah\u0259sind\u0259 bir s\u0131ra institusional v\u0259 elektronla\u015fma t\u0259dbirl\u0259ri d\u0259 h\u0259yata ke\u00e7irilib. N\u0259tic\u0259d\u0259 haz\u0131rda avto-icbari s\u0131\u011forta \u015f\u0259had\u0259tnam\u0259l\u0259ri elektron qaydada \u0259ld\u0259 edilir. Bu sah\u0259d\u0259 s\u0131\u011fortalanmaya d\u00f6vl\u0259t n\u0259zar\u0259ti d\u0259 elektron mexanizml\u0259rl\u0259 h\u0259yata ke\u00e7irilir. Haz\u0131rda \u00f6lk\u0259mizd\u0259 t\u0259qrib\u0259n 1,4 milyona yax\u0131n avton\u0259qliyyat vasit\u0259l\u0259rinin istifad\u0259\u00e7il\u0259rinin \u00fc\u00e7\u00fcnc\u00fc \u015f\u0259xsl\u0259r qar\u015f\u0131s\u0131nda olan m\u0259suliyy\u0259tl\u0259ri s\u0131\u011forta t\u0259minat\u0131na al\u0131n\u0131b.<\/p>\n – Avto-icbari s\u0131\u011forta sah\u0259sind\u0259 qaydalara edil\u0259n yenilikl\u0259r hans\u0131 z\u0259rur\u0259td\u0259n ir\u0259li g\u0259lir?<\/strong><\/p>\n – M\u0259rk\u0259zi Bank\u0131n avto-icbari s\u0131\u011forta sah\u0259sind\u0259 q\u0259bul etdiyi yeni qaydalar \u0259sas\u0259n iki ba\u015fl\u0131ca z\u0259rur\u0259tl\u0259 ba\u011fl\u0131d\u0131r. Birincisi, haz\u0131rda praktika bel\u0259dir ki, \u015f\u0259xs idar\u0259 etdiyi n\u0259qliyyat vasit\u0259si il\u0259 \u00fc\u00e7\u00fcnc\u00fc t\u0259r\u0259f\u0259 z\u0259r\u0259r vurdu\u011fu halda z\u0259r\u0259rin \u00f6d\u0259nilm\u0259si prosesi z\u0259r\u0259r\u00e7\u0259k\u0259n t\u0259r\u0259fl\u0259 z\u0259r\u0259rvuran t\u0259r\u0259fin s\u0131\u011forta\u00e7\u0131s\u0131 aras\u0131nda h\u0259ll olunur. Y\u0259ni z\u0259r\u0259r\u00e7\u0259k\u0259n t\u0259r\u0259f \u00f6d\u0259ni\u015fi \u00f6z avto-icbari s\u0131\u011forta\u00e7\u0131s\u0131ndan deyil, z\u0259r\u0259rvuran t\u0259r\u0259fin s\u0131\u011forta\u00e7\u0131s\u0131ndan \u0259ld\u0259 edir. Bel\u0259 olan halda z\u0259r\u0259rl\u0259rin \u00f6d\u0259nilm\u0259si prosesi m\u00fc\u015ft\u0259ri-biznes m\u00fcnasib\u0259tl\u0259rind\u0259n k\u0259narda ba\u015f vermi\u015f olur. Y\u0259ni \u00f6d\u0259ni\u015fi alan t\u0259r\u0259f m\u00fc\u015ft\u0259risi olmayan s\u0131\u011forta\u00e7\u0131 il\u0259 qar\u015f\u0131 qar\u015f\u0131ya qalm\u0131\u015f olur. N\u0259tic\u0259d\u0259 siz avto-icbari s\u0131\u011forta \u0259ld\u0259 etdiyiniz zaman onu hans\u0131 s\u0131\u011forta\u00e7\u0131dan alaca\u011f\u0131n\u0131z\u0131n f\u0259rqi olmur. \u00c7\u00fcnki, q\u0259za hal\u0131nda z\u0259r\u0259r\u00e7\u0259k\u0259n t\u0259r\u0259f siz oldu\u011funuz halda hans\u0131 s\u0131\u011forta\u00e7\u0131 il\u0259 \u00fczl\u0259\u015f\u0259c\u0259yinizi t\u0259xmin ed\u0259 bilmirsiniz. V\u0259 ya \u0259ksin\u0259, medal\u0131n o biri t\u0259r\u0259fin\u0259 baxsaq, s\u0131\u011forta\u00e7\u0131 \u00f6d\u0259ni\u015fi \u00f6z m\u00fc\u015ft\u0259risin\u0259 \u00f6d\u0259m\u0259diyin\u0259 g\u00f6r\u0259 m\u00fc\u015ft\u0259ri m\u0259mnunlu\u011fu onun h\u0259d\u0259find\u0259n k\u0259narda qalm\u0131\u015f olur.<\/p>\n Biz bu problemin aradan qald\u0131r\u0131lmas\u0131 \u00fc\u00e7\u00fcn u\u011furlu xarici t\u0259cr\u00fcb\u0259l\u0259rd\u0259 g\u00f6rd\u00fcy\u00fcm\u00fcz f\u0259rqli modeli – z\u0259r\u0259rl\u0259rin birba\u015fa olaraq z\u0259r\u0259r\u00e7\u0259k\u0259n t\u0259r\u0259fin \u00f6z s\u0131\u011forta\u00e7\u0131s\u0131 t\u0259r\u0259find\u0259n t\u0259nziml\u0259nm\u0259sini, y\u0259ni z\u0259r\u0259rin qiym\u0259tl\u0259ndirilm\u0259si v\u0259 z\u0259r\u0259r\u00e7\u0259k\u0259n t\u0259r\u0259f\u0259 \u00f6d\u0259nilm\u0259si mexanizmini t\u0259tbiq etm\u0259yi q\u0259rara ald\u0131q. Z\u0259r\u0259rl\u0259rin birba\u015fa t\u0259nziml\u0259nm\u0259si \u00fczr\u0259 yeni Qaydalar yol-n\u0259qliyyat hadis\u0259l\u0259ri hallar\u0131nda z\u0259r\u0259r\u00e7\u0259k\u0259n\u0259 \u00f6d\u0259ni\u015fl\u0259rin \u00f6z s\u0131\u011forta\u00e7\u0131s\u0131 t\u0259r\u0259find\u0259n \u00f6d\u0259nilm\u0259sini v\u0259 h\u0259min \u00f6d\u0259ni\u015f m\u0259bl\u0259\u011finin d\u0259 subroqasiya qaydas\u0131nda z\u0259r\u0259rvuran t\u0259r\u0259fin s\u0131\u011forta\u00e7\u0131s\u0131na y\u00f6n\u0259ldilm\u0259sini n\u0259z\u0259rd\u0259 tutur.<\/p>\n Bu yeni m\u00fcnasib\u0259tl\u0259r z\u0259r\u0259rl\u0259rin qiym\u0259tl\u0259ndirilm\u0259si v\u0259 \u00f6d\u0259nilm\u0259si prosesind\u0259ki m\u00fcbahis\u0259l\u0259ri \u015f\u0259xsl\u0259 s\u0131\u011forta\u00e7\u0131 aras\u0131ndan z\u0259r\u0259rvuran v\u0259 z\u0259r\u0259r\u00e7\u0259k\u0259n t\u0259r\u0259fl\u0259rin s\u0131\u011forta\u00e7\u0131lar\u0131 aras\u0131na \u00f6t\u00fcr\u00fcr. Bel\u0259likl\u0259, z\u0259r\u0259rl\u0259rin qiym\u0259tl\u0259ndirilm\u0259si v\u0259 \u00f6d\u0259nilm\u0259si prosesind\u0259 s\u0131\u011forta istehlak\u00e7\u0131lar\u0131na qar\u015f\u0131 daha \u0259dal\u0259tli r\u0259ftar\u0131n meydana g\u0259lm\u0259sin\u0259 \u015f\u0259rait yarad\u0131r. Bu qaydalar\u0131n t\u0259tbiqind\u0259 d\u0259 \u0259sas m\u0259qs\u0259d avto-icbari s\u0131\u011forta sah\u0259sind\u0259 s\u0131\u011forta\u00e7\u0131lar\u0131n s\u0131\u011fortal\u0131lara qar\u015f\u0131 \u0259dal\u0259tli r\u0259ftar\u0131n\u0131 g\u00fccl\u0259ndirm\u0259k v\u0259 b\u00fct\u00f6vl\u00fckd\u0259 s\u0131\u011fortaya inam\u0131 inki\u015faf etdirm\u0259kdir.<\/p>\n \u0130kinci z\u0259rur\u0259t, avto-icbari s\u0131\u011forta sah\u0259sind\u0259 s\u0131\u011forta tarifl\u0259rinin daha \u0259dal\u0259tli t\u0259tbiqi il\u0259 ba\u011fl\u0131 idi. Siz bilirsiniz ki, s\u00fcr\u00fcc\u00fcl\u0259r n\u0259qliyyat vasit\u0259l\u0259rinin istifad\u0259si zaman\u0131 \u00fc\u00e7\u00fcnc\u00fc \u015f\u0259xsl\u0259rin \u0259mlak\u0131na v\u0259 s\u0259hh\u0259tin\u0259 vura bil\u0259c\u0259kl\u0259ri z\u0259r\u0259r\u0259 g\u00f6r\u0259 f\u0259rqli risk s\u0259viyy\u0259l\u0259rin\u0259 malikdirl\u0259r. Bel\u0259 ki, bu riskl\u0259r s\u00fcr\u00fcc\u00fcn\u00fcn ya\u015f\u0131na, t\u0259cr\u00fcb\u0259sin\u0259, n\u0259qliyyat vasit\u0259sinin istismar m\u00fcdd\u0259tin\u0259, n\u0259qliyyat vasit\u0259sinin istifad\u0259 olundu\u011fu b\u00f6lg\u0259nin n\u0259qliyyat intensivliyin\u0259 g\u00f6r\u0259 f\u0259rql\u0259nir. Ona g\u00f6r\u0259 d\u0259 h\u0259min risk amill\u0259rin\u0259 g\u00f6r\u0259 yeni tarif \u0259msallar\u0131 m\u00fc\u0259yy\u0259nl\u0259\u015fdirilib. \u0130ndi daha y\u00fcks\u0259k riskli s\u00fcr\u00fcc\u00fcl\u0259r daha \u00e7ox, daha az riskli s\u00fcr\u00fcc\u00fcl\u0259r daha az s\u0131\u011forta haqq\u0131 \u00f6d\u0259y\u0259c\u0259kl\u0259r. Eyni zamanda dig\u0259r \u015f\u0259xsl\u0259r\u0259 avton\u0259qliyyat hadis\u0259si n\u0259tic\u0259sind\u0259 z\u0259r\u0259r vurma tarix\u00e7\u0259sin\u0259 g\u00f6r\u0259 d\u0259 s\u0131\u011forta haqq\u0131na t\u0259tbiq olunan bonus-malus sistemi d\u0259 d\u0259yi\u015fdirilib. Daha \u00e7ox q\u0259za t\u00f6r\u0259d\u0259n s\u00fcr\u00fcc\u00fcl\u0259r daha \u00e7ox s\u0131\u011forta haqq\u0131 \u00f6d\u0259m\u0259li olacaqlar. Hesab edirik ki, bu, s\u00fcr\u00fcc\u00fcl\u00fck intizam\u0131n\u0131n xeyli yax\u015f\u0131la\u015fmas\u0131na g\u0259tirib \u00e7\u0131xaracaqd\u0131r.<\/p>\n – M\u0259rk\u0259zi Bank\u0131n avto-icbari s\u0131\u011forta qaydalar\u0131 \u00e7\u0259r\u00e7iv\u0259sind\u0259 t\u0259tbiq etdiyi yenilikl\u0259rin m\u0259zmunu n\u0259d\u0259n ibar\u0259tdir?<\/strong><\/p>\n – Qeyd etdiyim kimi avto-icbari s\u0131\u011forta sah\u0259sind\u0259 z\u0259r\u0259rl\u0259rin birba\u015fa t\u0259nziml\u0259nm\u0259si il\u0259 ba\u011fl\u0131 qaydalar s\u0131\u011forta\u00e7\u0131lar\u0131n s\u0131\u011forta istehlak\u00e7\u0131lar\u0131na m\u00fc\u015ft\u0259riy\u00f6n\u00fcml\u00fc xidm\u0259t motivasiyas\u0131n\u0131n yarad\u0131lmas\u0131 m\u0259qs\u0259dini da\u015f\u0131y\u0131r. Bu qaydalar u\u011furlu beyn\u0259lxalq t\u0259cr\u00fcb\u0259l\u0259r\u0259 \u0259saslanaraq formala\u015fd\u0131r\u0131l\u0131b. Qaydalara g\u00f6r\u0259, yol-n\u0259qliyyat hadis\u0259sind\u0259 z\u0259r\u0259r\u00e7\u0259k\u0259nin idar\u0259 etdiyi avton\u0259qliyyat vasit\u0259sin\u0259 d\u0259y\u0259n z\u0259r\u0259ri onun avto-icbari s\u0131\u011forta \u015f\u0259had\u0259tnam\u0259si ald\u0131\u011f\u0131 s\u0131\u011forta\u00e7\u0131 t\u0259r\u0259find\u0259n qiym\u0259tl\u0259ndiril\u0259c\u0259k v\u0259 \u00f6d\u0259nil\u0259c\u0259k. Daha sonra h\u0259min s\u0131\u011forta \u00f6d\u0259ni\u015fi m\u0259bl\u0259\u011fi \u00fczr\u0259 t\u0259l\u0259b z\u0259r\u0259rvuran \u015f\u0259xs\u0259 avto-icbari s\u0131\u011forta \u015f\u0259had\u0259tnam\u0259si vermi\u015f s\u0131\u011forta\u00e7\u0131ya subroqasiya qaydas\u0131nda y\u00f6n\u0259ldil\u0259c\u0259kdir. S\u0131\u011forta\u00e7\u0131lar\u0131n bir-biril\u0259rin\u0259 qar\u015f\u0131 y\u00f6n\u0259ltdikl\u0259ri subroqasiya t\u0259l\u0259bl\u0259ri h\u0259ft\u0259lik qaydada qar\u015f\u0131l\u0131ql\u0131 klirinq olunaraq netl\u0259\u015fdiril\u0259c\u0259k v\u0259 bu \u0259sasda s\u0131\u011forta\u00e7\u0131lar biri-biril\u0259rin\u0259 \u00f6d\u0259ni\u015fl\u0259r ed\u0259c\u0259kl\u0259r. Bu m\u0259qs\u0259dl\u0259 \u0130cbari S\u0131\u011forta B\u00fcrosunun informasiya sisteml\u0259rinin bazas\u0131nda klirinq v\u0259 hesabla\u015fma sistemi yarad\u0131l\u0131r. S\u0131\u011forta\u00e7\u0131lar aras\u0131nda qar\u015f\u0131l\u0131ql\u0131 subroqasiya t\u0259l\u0259bl\u0259rinin tam v\u0259 vaxt\u0131nda \u00f6d\u0259nilm\u0259sini t\u0259minat alt\u0131na al\u0131nmas\u0131 \u00fc\u00e7\u00fcn m\u00fcvafiq maliyy\u0259 t\u0259minat\u0131 mexanizmi d\u0259 formala\u015fd\u0131r\u0131lacaqd\u0131r.<\/p>\n Avto-icbari s\u0131\u011forta \u00fczr\u0259 s\u0131\u011forta tarifl\u0259rinin hesablanmas\u0131 qaydalar\u0131na edil\u0259n d\u0259yi\u015fiklikl\u0259r yuxar\u0131da qeyd etdiyim kimi s\u0131\u011forta haqq\u0131n\u0131n s\u00fcr\u00fcc\u00fcl\u0259r t\u0259r\u0259find\u0259n da\u015f\u0131d\u0131\u011f\u0131 riskin s\u0259viyy\u0259sin\u0259 g\u00f6r\u0259 m\u00fc\u0259yy\u0259nl\u0259\u015fdirilm\u0259sini n\u0259z\u0259rd\u0259 tutur. \u018fvv\u0259la qeyd edim ki, baza s\u0131\u011forta haqq\u0131, y\u0259ni 50 manat d\u0259yi\u015fdirilmir v\u0259 oldu\u011fu kimi qal\u0131r. Lakin, risk s\u0259viyy\u0259sin\u0259 g\u00f6r\u0259 baza s\u0131\u011forta haqq\u0131na yeni \u0259msallar t\u0259tbiq edilir. M\u0259lumdur ki, s\u00fcr\u00fcc\u00fcn\u00fcn ya\u015f\u0131 v\u0259 s\u00fcr\u00fcc\u00fcl\u00fck t\u0259cr\u00fcb\u0259si n\u0259 q\u0259d\u0259r azd\u0131rsa onun yol-n\u0259qliyyat hadis\u0259si t\u00f6r\u0259tm\u0259k riski o q\u0259d\u0259r y\u00fcks\u0259kdir. Ona g\u00f6r\u0259 d\u0259 baza s\u0131\u011forta tarifin\u0259 ya\u015f v\u0259 s\u00fcr\u00fcc\u00fcl\u00fck t\u0259cr\u00fcb\u0259sin\u0259 g\u00f6r\u0259 1,35-1,05 interval\u0131nda \u0259msallar t\u0259tbiq edilir. Dig\u0259r risk amili n\u0259qliyyat\u0131n intensivliyi il\u0259 ba\u011fl\u0131d\u0131r. N\u0259qliyyat vasit\u0259l\u0259rinin daha s\u0131x, intensiv oldu\u011fu yerl\u0259rd\u0259 yol-n\u0259qliyyat hadis\u0259l\u0259rinin tezliyi daha y\u00fcks\u0259k olur. Ona g\u00f6r\u0259 d\u0259 Bak\u0131 \u015f\u0259h\u0259rin\u0259 1,1, Sumqay\u0131t v\u0259 Ab\u015ferona 1,05, dig\u0259r b\u00f6lg\u0259l\u0259r\u0259 is\u0259 0,95 \u0259msal\u0131 t\u0259tbiq edilir. Y\u0259ni, dig\u0259r b\u00f6lg\u0259l\u0259rd\u0259 s\u00fcr\u00fcc\u00fcl\u0259r daha az s\u0131\u011forta haqq\u0131 \u00f6d\u0259y\u0259c\u0259kl\u0259r. \u00dc\u00e7\u00fcnc\u00fc amil n\u0259qliyyat vasit\u0259sinin istismar m\u00fcdd\u0259tin\u0259 ba\u011fl\u0131d\u0131r. Daha k\u00f6hn\u0259 n\u0259qliyyat vasit\u0259l\u0259rinin yol-n\u0259qliyyat hadis\u0259 tezliyi y\u00fcks\u0259k oldu\u011fundan istismar m\u00fcdd\u0259ti 10 ilin a\u015fan n\u0259qliyyat vasit\u0259l\u0259rin\u0259 1,05, 20 ili a\u015fan n\u0259qliyyat vasit\u0259l\u0259rin\u0259 1,1 \u0259msal\u0131, istismar m\u00fcdd\u0259ti 10 ild\u0259n az olan n\u0259qliyyat vasit\u0259l\u0259ri \u00fc\u00e7\u00fcn is\u0259 1 \u0259msal\u0131 t\u0259tbiq olunur. D\u00f6rd\u00fcnc\u00fc amil n\u0259qliyyat vasit\u0259sini idar\u0259 ed\u0259nl\u0259rin say\u0131na ba\u011fl\u0131 olaraq t\u0259tbiq olunan \u0259msald\u0131r. \u018fg\u0259r n\u0259qliyyat vasit\u0259sini iki v\u0259 daha art\u0131q \u015f\u0259xs idar\u0259 etm\u0259k h\u00fcququna malikdirs\u0259 o zaman baza s\u0131\u011forta haqq\u0131na 1,15 \u0259msal\u0131 t\u0259tbiq edilir.<\/p>\n \u00dcmumiyy\u0259tl\u0259 qeyd edim ki, bu risk amill\u0259ri haz\u0131rda yol-n\u0259qliyyat hadis\u0259l\u0259ri tezliyi statistikas\u0131nda \u00f6z\u00fcn\u00fc qabar\u0131q g\u00f6st\u0259rir. Statistikam\u0131z g\u00f6st\u0259rir ki, ya\u015f v\u0259 t\u0259cr\u00fcb\u0259si a\u015fa\u011f\u0131 olan s\u00fcr\u00fcc\u00fcl\u0259r yuxar\u0131 olan s\u00fcr\u00fcc\u00fcl\u0259rd\u0259n daha \u00e7ox yol-n\u0259qliyyat hadis\u0259si t\u00f6r\u0259dirl\u0259r. Bu eyni zamanda n\u0259qliyyat vasit\u0259sinin istismar m\u00fcdd\u0259ti, n\u0259qliyyat intensivliyi amill\u0259ri \u00fczr\u0259 d\u0259 \u00f6z\u00fcn\u00fc empirik olaraq g\u00f6st\u0259rir. Bir fakt\u0131 qeyd edim ki, Bak\u0131 \u015f\u0259h\u0259rind\u0259 yol-n\u0259qliyyat hadis\u0259sinin ba\u015f verm\u0259 tezliyi b\u00f6lg\u0259l\u0259rl\u0259 m\u00fcqayis\u0259d\u0259 iki, b\u0259z\u0259n d\u0259 \u00fc\u00e7 d\u0259f\u0259 y\u00fcks\u0259kdir.<\/p>\n Bu qaydalara edil\u0259n \u0259n m\u00fch\u00fcm yenilik s\u00fcr\u00fcc\u00fcl\u00fck intizam\u0131n\u0131n g\u00fccl\u0259ndirilm\u0259sin\u0259 t\u0259\u015fviq etm\u0259k m\u0259qs\u0259dil\u0259 yol-n\u0259qliyyat hadis\u0259nin ba\u015f verib verm\u0259m\u0259sind\u0259n as\u0131l\u0131 olaraq s\u00fcr\u00fcc\u00fcl\u0259r\u0259 t\u0259tbiq olunan g\u00fcz\u0259\u015ft v\u0259 ya \u0259lav\u0259l\u0259r sistemi, bonus-malus sistemin\u0259 edil\u0259n d\u0259yi\u015fiklikdir. D\u0259yi\u015fikliy\u0259 \u0259sas\u0259n, yol-n\u0259qliyyat hadis\u0259l\u0259rinin say\u0131na g\u00f6r\u0259 t\u0259tbiq edil\u0259n \u0259lav\u0259l\u0259r – maluslar s\u0259rtl\u0259\u015fdirilir.<\/p>\n – Qeyd etdiyiniz islahatlar\u0131n bu s\u0131\u011forta sah\u0259sind\u0259 hans\u0131 n\u0259tic\u0259l\u0259r\u0259 g\u0259tirib \u00e7\u0131xaraca\u011f\u0131n\u0131 hesab edirsiniz?<\/strong><\/p>\n – \u00dcmumiyy\u0259tl\u0259, avto-icbari s\u0131\u011forta \u0259ks\u0259r d\u00fcnya \u00f6lk\u0259l\u0259rind\u0259 t\u0259tbiq olunur v\u0259 bu s\u0131\u011forta bazar\u0131n\u0131n drayverl\u0259rind\u0259n biri hesab olunur. \u00c7\u00fcnki, bu s\u0131\u011forta n\u00f6v\u00fc \u0259halinin b\u00f6y\u00fck hiss\u0259sini \u0259hat\u0259 etdiyind\u0259n s\u0131\u011forta bar\u0259d\u0259 ilkin ictimai m\u0259lumatl\u0131\u011f\u0131 v\u0259 s\u0131\u011fortaya ictimai m\u00fcnasib\u0259tin \u0259sas\u0131n\u0131 formala\u015fd\u0131r\u0131r. Ona g\u00f6r\u0259 d\u0259 M\u0259rk\u0259zi Bank\u0131n s\u0131\u011forta bazar\u0131n\u0131n inki\u015faf\u0131na y\u00f6n\u0259lmi\u015f islahatlar\u0131n\u0131n episentrind\u0259 duran h\u0259d\u0259fl\u0259rd\u0259n biri d\u0259 avto-icbari s\u0131\u011forta sah\u0259sind\u0259 s\u0131\u011forta\u00e7\u0131 v\u0259 s\u0131\u011fortal\u0131 aras\u0131nda m\u00fcnasib\u0259tl\u0259rin daha \u0259dal\u0259tli t\u0259nziml\u0259nm\u0259si, s\u0131\u011fortal\u0131lara g\u00f6st\u0259ril\u0259n xidm\u0259tl\u0259rin keyfiyy\u0259tinin y\u00fcks\u0259ldilm\u0259si, n\u0259tic\u0259 etibaril\u0259 s\u0131\u011fortaya inam\u0131n g\u00fccl\u0259ndirilm\u0259si olmu\u015fdur.<\/p>\n T\u0259tbiq edil\u0259n yeni qaydalar hesab edirik ki, ilk n\u00f6vb\u0259d\u0259 s\u0131\u011forta\u00e7\u0131lar\u0131n s\u0131\u011fortal\u0131lara qar\u015f\u0131 daha \u0259dal\u0259tli davranmalar\u0131na g\u00fccl\u00fc stimul yarad\u0131r v\u0259 bu s\u0131\u011fortal\u0131lar\u0131n m\u0259mnunlu\u011funun y\u00fcks\u0259lm\u0259si il\u0259 n\u0259tic\u0259l\u0259n\u0259c\u0259kdir. \u00c7\u00fcnki h\u0259r bir s\u0131\u011forta\u00e7\u0131 yol-n\u0259qliyyat hadis\u0259si zaman\u0131 z\u0259r\u0259rg\u00f6r\u0259n t\u0259r\u0259f\u0259 \u00f6z m\u00fc\u015ft\u0259risi kimi xidm\u0259t g\u00f6st\u0259r\u0259c\u0259kdir.<\/p>\n Qaydalar\u0131n t\u0259tbiqin\u0259 q\u0259d\u0259rki praktikada bel\u0259 idi ki, z\u0259r\u0259rl\u0259rin t\u0259nziml\u0259nm\u0259sind\u0259 h\u0259r bir s\u0131\u011forta\u00e7\u0131 f\u0259rqli yana\u015fma edir, z\u0259r\u0259rl\u0259ri f\u0259rqli \u00fcsullarla qiym\u0259tl\u0259ndirirdi. Qaydan\u0131n t\u0259tbiqi is\u0259 b\u00fct\u00fcn s\u0131\u011forta\u00e7\u0131lar\u0131 z\u0259r\u0259rl\u0259rin t\u0259nziml\u0259nm\u0259sind\u0259 vahid yana\u015fman\u0131n formala\u015fd\u0131r\u0131lmas\u0131na m\u0259cbur edir. \u00c7\u00fcnki yeni qaydalar s\u0131\u011forta\u00e7\u0131lar aras\u0131nda qar\u015f\u0131l\u0131ql\u0131 t\u0259l\u0259bl\u0259ri geni\u015fl\u0259ndirdiyind\u0259n onlar vahid t\u0259nziml\u0259m\u0259 qaydalar\u0131 il\u0259 \u00e7al\u0131\u015fma\u011fa meyilli olacaqlar.<\/p>\n Bel\u0259likl\u0259, z\u0259r\u0259rl\u0259rin t\u0259nziml\u0259nm\u0259sin\u0259 vahid yana\u015fmalar\u0131n g\u0259tirilm\u0259si, bu zaman h\u0259r bir s\u0131\u011forta\u00e7\u0131n\u0131n \u00f6z m\u00fc\u015ft\u0259risin\u0259 xidm\u0259t g\u00f6st\u0259rm\u0259si ilk n\u00f6vb\u0259d\u0259 bu sah\u0259d\u0259 keyfiyy\u0259tin y\u00fcks\u0259lm\u0259si il\u0259 n\u0259tic\u0259l\u0259n\u0259c\u0259kdir. Keyfiyy\u0259tin y\u00fcks\u0259lm\u0259si, s\u0131\u011fortal\u0131lara qar\u015f\u0131 \u0259dal\u0259tli r\u0259ftar\u0131n g\u00fccl\u0259nm\u0259si avto-icbari s\u0131\u011fortaya, dey\u0259rdim ki, b\u00fct\u00f6vl\u00fckd\u0259 s\u0131\u011fortaya ictimai m\u00fcnasib\u0259tin pozitiv d\u0259yi\u015fm\u0259si v\u0259 istehlak\u00e7\u0131lar\u0131n \u015fikay\u0259tl\u0259rinin xeyli azalmas\u0131 il\u0259 n\u0259tic\u0259l\u0259n\u0259c\u0259kdir.<\/p>\n S\u0131\u011forta haqlar\u0131n\u0131n hesablanmas\u0131 prosesin\u0259 g\u0259tiril\u0259n yeni qayda, y\u0259ni n\u0259qliyyat sahibl\u0259rinin da\u015f\u0131d\u0131\u011f\u0131 risk\u0259 g\u00f6r\u0259 s\u0131\u011forta haqq\u0131 \u00f6d\u0259m\u0259si bu sah\u0259y\u0259 daha \u0259dal\u0259tli yana\u015fma g\u0259tirilm\u0259si, s\u0131\u011forta haqlar\u0131 il\u0259 s\u0131\u011forta \u00f6d\u0259ni\u015fl\u0259ri aras\u0131nda balans\u0131n yarad\u0131lmas\u0131na xidm\u0259t edir. Onu da qeyd edim ki, avto-icbari s\u0131\u011forta n\u00f6v\u00fc \u00fczr\u0259 tarifl\u0259r el\u0259 m\u00fc\u0259yy\u0259n edilmi\u015fdir ki, bu s\u0131\u011forta n\u00f6v\u00fc \u00fczr\u0259 s\u0131\u011forta\u00e7\u0131lar g\u0259lir \u0259ld\u0259 etmirl\u0259r. Lakin, bu s\u0131\u011forta n\u00f6v\u00fc s\u0131\u011forta\u00e7\u0131lara dig\u0259r s\u0131\u011forta riskl\u0259rinin t\u0259minat alt\u0131na al\u0131nmas\u0131 \u00fc\u00e7\u00fcn istehlak\u00e7\u0131lara ba\u015fqa s\u0131\u011forta m\u0259hsullar\u0131n\u0131 t\u0259klif etm\u0259l\u0259ri \u00fc\u00e7\u00fcn \u0259lveri\u015fli biznes \u015f\u0259b\u0259k\u0259si formala\u015fd\u0131r\u0131r. Ona g\u00f6r\u0259 d\u0259 hesab edirik ki, avto-icbari s\u0131\u011forta sah\u0259sind\u0259 istehlak\u00e7\u0131 m\u0259mnunlu\u011funun artmas\u0131 dig\u0259r s\u0131\u011forta sinifl\u0259ri \u00fczr\u0259 penetrasiyan\u0131 art\u0131ra bil\u0259c\u0259kdir.<\/p>\n – Haqq\u0131nda dan\u0131\u015fd\u0131\u011f\u0131n\u0131z islahat t\u0259dbirl\u0259rinin i\u015fl\u0259nm\u0259si \u00fc\u00e7\u00fcn hans\u0131 \u00f6lk\u0259l\u0259rin m\u00fcvafiq t\u0259cr\u00fcb\u0259l\u0259rind\u0259n istifad\u0259 olunub?<\/strong><\/p>\n – Avto-icbari s\u0131\u011forta sah\u0259sind\u0259 h\u0259m uzun tarixi t\u0259cr\u00fcb\u0259y\u0259 malik Avropa \u00f6lk\u0259l\u0259rinin, h\u0259m d\u0259 bizim yerli x\u00fcsusiyy\u0259tl\u0259r\u0259 yax\u0131n olan post-sovet m\u0259kan\u0131 \u00f6lk\u0259l\u0259rinin t\u0259cr\u00fcb\u0259l\u0259ri \u0259trafl\u0131 \u00f6yr\u0259nilib. X\u00fcsusil\u0259, Baltikyan\u0131 \u00f6lk\u0259l\u0259r, qon\u015fu T\u00fcrkiy\u0259, Rusiya v\u0259 Qazax\u0131stan respublikalar\u0131n\u0131n m\u00fcvafiq t\u0259cr\u00fcb\u0259l\u0259ri x\u00fcsusi qaydada m\u0259nims\u0259nilmi\u015f, bu \u00f6lk\u0259l\u0259rin t\u0259cr\u00fcb\u0259li ekspertl\u0259ri il\u0259 intensiv t\u0259masda m\u00fczakir\u0259l\u0259r v\u0259 t\u0259cr\u00fcb\u0259 m\u00fcbadil\u0259l\u0259ri apar\u0131l\u0131b. H\u0259r bir \u00f6lk\u0259nin daha u\u011furlu t\u0259cr\u00fcb\u0259sinin yerli x\u00fcsusiyy\u0259tl\u0259r n\u0259z\u0259r\u0259 al\u0131nmaqla t\u0259tbiqin\u0259 \u00fcst\u00fcnl\u00fck verilib.<\/p>\n Onu da qeyd edim ki, \u00f6lk\u0259mizd\u0259 avto-icbari s\u0131\u011forta sah\u0259sind\u0259 formala\u015fm\u0131\u015f onillik t\u0259cr\u00fcb\u0259miz bu sah\u0259d\u0259 daha qabaqc\u0131l institusional mexanizml\u0259rin t\u0259tbiqin\u0259 imkan yarad\u0131b. Bunun n\u0259tic\u0259sidir ki, biz qabaqc\u0131l t\u0259cr\u00fcb\u0259d\u0259 \u00f6z\u00fcn\u00fc do\u011frultmu\u015f z\u0259r\u0259rl\u0259rin birba\u015fa t\u0259nziml\u0259nm\u0259si mexanizmini ilk d\u0259f\u0259 t\u0259tbiq etm\u0259y\u0259 ba\u015flay\u0131r\u0131q.<\/p>\n – Avto-icbari s\u0131\u011fortas\u0131 olanlar\u0131n n\u0259yi bilm\u0259l\u0259ri vacibdir, avto-icbari s\u0131\u011fortal\u0131lar\u0131n h\u00fcquqlar\u0131 n\u0259d\u0259n ibar\u0259tdir v\u0259 bu h\u00fcquqlar nec\u0259 qorunmal\u0131d\u0131r?<\/strong><\/p>\n – \u201c\u0130cbari s\u0131\u011fortalar haqq\u0131nda\u201d Qanunda avto-icbari s\u0131\u011forta il\u0259 ba\u011fl\u0131 s\u0131\u011fortal\u0131n\u0131n v\u0259 s\u0131\u011forta\u00e7\u0131n\u0131n ba\u015fl\u0131ca h\u00fcquq v\u0259 v\u0259zif\u0259l\u0259ri m\u00fc\u0259yy\u0259n edilib. \u018fvv\u0259la qeyd edim ki, s\u0131\u011fortal\u0131 bu s\u0131\u011forta n\u00f6v\u00fc \u00fczr\u0259 f\u0259aliyy\u0259t g\u00f6st\u0259rm\u0259y\u0259 icaz\u0259si olan ist\u0259nil\u0259n s\u0131\u011forta\u00e7\u0131n\u0131 se\u00e7m\u0259k h\u00fcququna malikdir. S\u0131\u011forta\u00e7\u0131 is\u0259 m\u00fcraci\u0259t etmi\u015f \u015f\u0259xsl\u0259 s\u0131\u011forta m\u00fcqavil\u0259sini ba\u011flamaqdan imtina ed\u0259 bilm\u0259z.<\/p>\n \u018fn vacib m\u0259s\u0259l\u0259, s\u0131\u011fortal\u0131 d\u0259ymi\u015f z\u0259r\u0259rl\u0259 \u0259laq\u0259dar s\u0131\u011forta\u00e7\u0131n\u0131n apard\u0131\u011f\u0131 qiym\u0259tl\u0259ndirm\u0259 n\u0259tic\u0259l\u0259rinin ona verilm\u0259sini t\u0259l\u0259b etm\u0259k h\u00fcququ vard\u0131r. \u018fg\u0259r s\u0131\u011fortal\u0131 ona d\u0259ymi\u015f z\u0259r\u0259rl\u0259 \u0259laq\u0259dar s\u0131\u011forta\u00e7\u0131n\u0131n m\u00fc\u0259yy\u0259n etdiyi \u00f6d\u0259ni\u015f m\u0259bl\u0259\u011fi il\u0259 raz\u0131la\u015fm\u0131rsa o zaman m\u00fcst\u0259qil ekspertizan\u0131n ke\u00e7irilm\u0259sini t\u0259l\u0259b ed\u0259 bil\u0259r. Z\u0259r\u0259r\u00e7\u0259k\u0259n t\u0259r\u0259f z\u0259r\u0259r qiym\u0259tl\u0259ndirildikd\u0259n sonra hadis\u0259 \u00fczr\u0259 s\u0259n\u0259dl\u0259rd\u0259n sonuncusu verildikd\u0259n sonra 7 i\u015f g\u00fcn\u00fc m\u00fcdd\u0259tind\u0259 d\u0259ymi\u015f z\u0259r\u0259r m\u0259bl\u0259\u011fin\u0259 uy\u011fun s\u0131\u011forta \u00f6d\u0259ni\u015finin verilm\u0259sini t\u0259l\u0259b etm\u0259lidir. H\u0259min m\u00fcdd\u0259td\u0259 \u00f6d\u0259ni\u015f h\u0259yata ke\u00e7irilm\u0259dikd\u0259 gecikdirilmi\u015f h\u0259r g\u00fcn \u00fc\u00e7\u00fcn d\u0259bb\u0259 pulu da t\u0259l\u0259b oluna bil\u0259r. S\u0131\u011fortal\u0131n\u0131n b\u00fct\u00fcn bu h\u00fcquqlar\u0131n\u0131n t\u0259min edilm\u0259si s\u0131\u011forta\u00e7\u0131n\u0131n v\u0259zif\u0259sidir.<\/p>\n Qanun s\u0131\u011fortal\u0131ya m\u00fcnasib\u0259td\u0259 oldu\u011fu kimi s\u0131\u011forta\u00e7\u0131n\u0131n da h\u00fcquqlar\u0131n\u0131 m\u00fc\u0259yy\u0259n edir. S\u0131\u011fortal\u0131lar da bilm\u0259lidir ki, s\u0131\u011forta\u00e7\u0131 s\u0131\u011fortal\u0131 il\u0259 m\u00fcqavil\u0259 ba\u011flayark\u0259n \u0259mlaka bax\u0131\u015f ke\u00e7irilm\u0259sini, onunla ba\u011fl\u0131 z\u0259ruri s\u0259n\u0259dl\u0259rin verilm\u0259sini t\u0259l\u0259b ed\u0259 bil\u0259r. Eyni zamanda, hadis\u0259 zaman\u0131 z\u0259r\u0259rin qiym\u0259tl\u0259ndirilm\u0259si \u00fc\u00e7\u00fcn s\u0131\u011forta\u00e7\u0131ya tam \u015f\u0259rait yarad\u0131lmal\u0131d\u0131r. S\u0131\u011forta\u00e7\u0131 z\u0259r\u0259ri ya \u00f6z\u00fc, ya da yard\u0131m\u00e7\u0131 h\u00fcquqi \u015f\u0259xsl\u0259r v\u0259 ya ekspertl\u0259r vasit\u0259sil\u0259 qiym\u0259tl\u0259ndir\u0259 bilm\u0259k h\u00fcququna malikdir.<\/p>\n \u018flav\u0259 olaraq qeyd edim ki, s\u0131\u011fortal\u0131lar\u0131n h\u00fcquqlar\u0131 s\u0131\u011forta\u00e7\u0131lar t\u0259r\u0259find\u0259n pozuldu\u011fu halda Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131na m\u00fcraci\u0259t etm\u0259k h\u00fcquqlar\u0131 var. H\u0259r il 3 min\u0259 yax\u0131n \u015f\u0259xs bu h\u00fcquqdan yaralanaraq M\u0259rk\u0259zi Banka m\u00fcraci\u0259t g\u00f6nd\u0259rir. Deyim ki, M\u0259rk\u0259zi Bankda \u015fikay\u0259t\u00e7il\u0259rin m\u00fcraci\u0259tl\u0259rinin vaxt\u0131nda v\u0259 operativ q\u0259bul edilm\u0259si \u00fc\u00e7\u00fcn m\u00fcxt\u0259lif imkanlar yarad\u0131lm\u0131\u015fd\u0131r. Bel\u0259 ki, ist\u0259nil\u0259n \u015f\u0259xs M\u0259rk\u0259zi Bank\u0131n veb-s\u0259hif\u0259si, qaynar telefon x\u0259tti vasit\u0259sil\u0259 m\u00fcraci\u0259t \u00fcnvanlaya bil\u0259r. Fiziki g\u00f6r\u00fc\u015f \u00fc\u00e7\u00fcn d\u0259 imkanlar yarad\u0131lm\u0131\u015fd\u0131r. M\u0259rk\u0259zi Bank h\u0259r bir daxil olan m\u00fcraci\u0259t\u0259 qanunvericiliy\u0259 uy\u011fun olaraq operativ qaydada \u0259dal\u0259tli bax\u0131lmas\u0131n\u0131 t\u0259min edir.<\/p>\n – Bu yeni qaydalar n\u0259 zaman q\u00fcvv\u0259y\u0259 min\u0259c\u0259k?<\/strong><\/p>\n – S\u0131\u011forta haqlar\u0131n yeni qayda il\u0259 hesablanmas\u0131na 2022-ci ilin oktyabr\u0131n 1-d\u0259n ba\u015flanacaq, z\u0259r\u0259rl\u0259rin birba\u015fa t\u0259nziml\u0259nm\u0259si is\u0259 noyabr\u0131n 1-d\u0259n etibar\u0259n h\u0259yata ke\u00e7iril\u0259c\u0259k.<\/p>\n","protected":false},"excerpt":{"rendered":" Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n (AMB) \u0130dar\u0259 Hey\u0259ti \u201cYol-n\u0259qliyyat hadis\u0259sind\u0259 z\u0259r\u0259r\u00e7\u0259k\u0259nin idar\u0259 etdiyi avton\u0259qliyyat vasit\u0259sin\u0259 d\u0259y\u0259n z\u0259r\u0259rin \u00f6d\u0259nilm\u0259si il\u0259 ba\u011fl\u0131 s\u0131\u011forta\u00e7\u0131lar aras\u0131nda qar\u015f\u0131l\u0131ql\u0131 \u00f6d\u0259m\u0259l\u0259rin t\u0259nziml\u0259nm\u0259sin\u0259 (z\u0259r\u0259rl\u0259rin birba\u015fa t\u0259nziml\u0259nm\u0259si) dair Qayda\u201dn\u0131 v\u0259 \u201cAvton\u0259qliyyat vasit\u0259si sahibl\u0259rinin m\u00fclki m\u0259suliyy\u0259tinin icbari s\u0131\u011fortas\u0131 (AVSMM\u0130S) \u00fczr\u0259 s\u0131\u011forta haqq\u0131 m\u0259bl\u0259\u011fl\u0259rinin hesablanmas\u0131 Qaydas\u0131\u201dn\u0131 t\u0259sdiq edib. Bununla ba\u011fl\u0131 Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n Ba\u015f direktoru\u00a0Ziya \u018fliyev\u00a0\u201cReport\u201da m\u00fcsahib\u0259 verib. H\u0259min m\u00fcsahib\u0259ni t\u0259qdim edirik: – Ziya m\u00fc\u0259llim, M\u0259rk\u0259zi Bank\u0131n m\u0259tbuat \u00fc\u00e7\u00fcn bug\u00fcnk\u00fc a\u00e7\u0131qlamas\u0131nda avton\u0259qliyyat vasit\u0259si sahibl\u0259rinin m\u00fclki m\u0259suliyy\u0259tinin icbari s\u0131\u011fortas\u0131 sah\u0259sind\u0259 yeni qaydalar\u0131n t\u0259sdiq edildiyi bildirildi. \u018fvv\u0259lc\u0259 bilm\u0259k ist\u0259rdik ki, on ild\u0259n art\u0131qd\u0131r \u00f6lk\u0259mizd\u0259 t\u0259tbiq…<\/p>\n","protected":false},"author":2,"featured_media":501864,"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\/2022\/08\/FotoJet-2022-08-03T125751.670.jpg",620,413,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/08\/FotoJet-2022-08-03T125751.670.jpg",620,413,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/08\/FotoJet-2022-08-03T125751.670.jpg",620,413,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/08\/FotoJet-2022-08-03T125751.670-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/08\/FotoJet-2022-08-03T125751.670-548x365.jpg",548,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/08\/FotoJet-2022-08-03T125751.670.jpg",620,413,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/08\/FotoJet-2022-08-03T125751.670.jpg",620,413,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/08\/FotoJet-2022-08-03T125751.670.jpg",620,413,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/08\/FotoJet-2022-08-03T125751.670-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/08\/FotoJet-2022-08-03T125751.670.jpg",620,413,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":"Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n (AMB) \u0130dar\u0259 Hey\u0259ti \u201cYol-n\u0259qliyyat hadis\u0259sind\u0259 z\u0259r\u0259r\u00e7\u0259k\u0259nin idar\u0259 etdiyi avton\u0259qliyyat vasit\u0259sin\u0259 d\u0259y\u0259n z\u0259r\u0259rin \u00f6d\u0259nilm\u0259si il\u0259 ba\u011fl\u0131 s\u0131\u011forta\u00e7\u0131lar aras\u0131nda qar\u015f\u0131l\u0131ql\u0131 \u00f6d\u0259m\u0259l\u0259rin t\u0259nziml\u0259nm\u0259sin\u0259 (z\u0259r\u0259rl\u0259rin birba\u015fa t\u0259nziml\u0259nm\u0259si) dair Qayda\u201dn\u0131 v\u0259 \u201cAvton\u0259qliyyat vasit\u0259si sahibl\u0259rinin m\u00fclki m\u0259suliyy\u0259tinin icbari s\u0131\u011fortas\u0131 (AVSMM\u0130S) \u00fczr\u0259 s\u0131\u011forta haqq\u0131 m\u0259bl\u0259\u011fl\u0259rinin hesablanmas\u0131 Qaydas\u0131\u201dn\u0131 t\u0259sdiq edib. Bununla ba\u011fl\u0131 Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n Ba\u015f direktoru\u00a0Ziya \u018fliyev\u00a0\u201cReport\u201da m\u00fcsahib\u0259 verib.…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/501863"}],"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=501863"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/501863\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/501864"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=501863"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=501863"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=501863"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}<\/p>\n
<\/p>\n
<\/p>\n