Bu fikirl\u0259rin \u0259sas\u0131nda duran s\u0259b\u0259b el\u0259 g\u00fcz\u0259\u015ftin t\u0259tbiq olunmas\u0131 idi. \u00c7\u00fcnki g\u00fcz\u0259\u015ft \u0259halinin banklara pul yerl\u0259\u015fdirm\u0259sin\u0259 maraq yaratmaq m\u0259qs\u0259di il\u0259 edilmi\u015fdi. Bel\u0259 ki, 2015-ci il devalvasiyas\u0131ndan sonra pulunu banklarda deyil, yast\u0131q alt\u0131nda saxlayanlar \u00e7oxalm\u0131\u015fd\u0131. \u018fhalinin banka \u0259man\u0259t yerl\u0259\u015fdirilm\u0259sini stimulla\u015fd\u0131rmaq \u00fc\u00e7\u00fcn m\u00fc\u0259yy\u0259n add\u0131mlar at\u0131ld\u0131. Onlardan biri banklara yerl\u0259\u015fdirdiyimiz \u0259man\u0259tl\u0259rin y\u00fcz faiz d\u00f6vl\u0259t t\u0259r\u0259find\u0259n s\u0131\u011fortalanmas\u0131 idi, biri d\u0259 \u0259man\u0259t faizl\u0259rin\u0259 vergi g\u00fcz\u0259\u015fti. Zamanla \u0259halinin banklara inam\u0131 artd\u0131. 2021-ci ild\u0259n etibar\u0259n banklara yerl\u0259\u015fdirdiyimiz \u0259man\u0259tl\u0259rin ham\u0131s\u0131 deyil, 100 min manata q\u0259d\u0259r hiss\u0259si s\u0131\u011fortalan\u0131r. \u0130ndi is\u0259 art\u0131q 7 illik g\u00fcz\u0259\u015ftd\u0259n sonra \u0259man\u0259t faizl\u0259rind\u0259n vergi verm\u0259y\u0259 ba\u015flayaca\u011f\u0131q.<\/p>\n
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\u201cVergisiz \u0259man\u0259tl\u0259r v\u0259t\u0259nda\u015flar \u00fc\u00e7\u00fcn daha c\u0259lbedici idi\u201d, – dey\u0259n\u00a0mill\u0259t v\u0259kili V\u00fcqar Bayramov\u00a0g\u00fcz\u0259\u015ft m\u00fcdd\u0259tinin daha bir il uzad\u0131lmas\u0131n\u0131 t\u0259klif edirdi:<\/p>\n
\u201cVergi g\u00fcz\u0259\u015ftinin uzad\u0131lmamas\u0131 \u0259man\u0259tl\u0259rin h\u0259cmin\u0259 v\u0259 x\u00fcsus\u0259n d\u0259 valyuta strukturuna neqativ t\u0259sir g\u00f6st\u0259r\u0259 bil\u0259r. Bu, milli valyutada y\u0131\u011f\u0131mlara mara\u011f\u0131 da azalda bil\u0259r. Bel\u0259 ki, bu d\u0259yi\u015fiklikl\u0259r q\u0259bul edil\u0259n zaman \u0259man\u0259t portfelind\u0259 manatla depozitl\u0259rin pay\u0131 c\u0259mi 18.0 faiz idis\u0259, indi bu r\u0259q\u0259m 61.0 faiz\u0259d\u0259k y\u00fcks\u0259lib. Manat\u0131n stabilliyi, milli valyutada depozitl\u0259r\u0259 daha \u00e7ox dividendin \u00f6d\u0259nilm\u0259si kimi faktorlar il\u0259 yana\u015f\u0131, vergi g\u00fcz\u0259\u015ftl\u0259ri d\u0259 manatla y\u0131\u011f\u0131mlara mara\u011f\u0131 art\u0131r\u0131b. O bax\u0131mdan, daha m\u0259qs\u0259d\u0259uy\u011fun olard\u0131 ki, ya m\u0259c\u0259ll\u0259y\u0259 d\u0259yi\u015fiklik edilib, g\u00fcz\u0259\u015ft m\u00fcdd\u0259ti daha 1 il uzad\u0131ls\u0131n v\u0259 ya s\u0131\u011forta olunan \u0259man\u0259tl\u0259r g\u0259lir vergisind\u0259n azad olunsun. Birinci halda, n\u00f6vb\u0259ti 1 il m\u00fcdd\u0259td\u0259 yeni mexanizm haz\u0131rlamaq m\u00fcmk\u00fcnd\u00fcr. 2024-ci ilin fevral\u0131nda t\u0259tbiq olunan zaman h\u0259r hans\u0131 \u00e7\u0259tinlik yaratmaz. \u0130kinci halda, \u0259man\u0259t\u00e7il\u0259rin \u0259ks\u0259r hiss\u0259sinin depozitl\u0259ri s\u0131\u011fortalanan oldu\u011fu \u00fc\u00e7\u00fcn bu \u0259ks\u0259r fiziki \u015f\u0259xsl\u0259ri \u0259hat\u0259 ed\u0259c\u0259k\u201d.<\/p>\n
<\/p>\n
Bank m\u0259s\u0259l\u0259l\u0259ri \u00fczr\u0259 ekspert C\u0259f\u0259r \u0130brahimli\u00a0ilk olaraq \u00f6d\u0259y\u0259c\u0259yimiz m\u0259bl\u0259\u011fd\u0259n dan\u0131\u015f\u0131b:<\/p>\n
\u201cX\u0259b\u0259r ilk yay\u0131ld\u0131\u011f\u0131nda, insanlarda bir az yanl\u0131\u015f anla\u015f\u0131lma da oldu. \u201c\u018fman\u0259timd\u0259n pul tutulacaq\u201d kimi suallar da verildi. Banka qoydu\u011funuz puldan h\u0259r hans\u0131 faiz tutulmur. Vergi \u0259man\u0259tinizd\u0259n \u0259ld\u0259 ed\u0259c\u0259yiniz g\u0259lird\u0259n tutulacaq. Tutaq ki, bankda 10 000 manat pulunuz var, 10 faizl\u0259 yerl\u0259\u015fdirmisiniz. Sizin \u0259man\u0259td\u0259n illik g\u0259liriniz 1000 manat olur. \u0130lin ax\u0131r\u0131 h\u0259min 1000 manat\u0131n 10 faizini vergi olaraq \u00f6d\u0259m\u0259li olacaqs\u0131n\u0131z. Y\u0259ni 1000 manat deyil, 900 manat alacaqs\u0131n\u0131z. G\u00fcz\u0259\u015ft d\u00f6vr\u00fcnd\u0259 is\u0259 1000 manat\u0131 tam al\u0131rd\u0131n\u0131z\u201d.<\/p>\n
<\/p>\n
C.\u0130brahimli 10 faizlik vergiy\u0259 g\u00f6r\u0259 \u0259halinin banklardan \u0259man\u0259tl\u0259rini geri \u00e7\u0259k\u0259c\u0259yini d\u00fc\u015f\u00fcnm\u00fcr:<\/p>\n
\u201c7 illik g\u00fcz\u0259\u015ftd\u0259n \u00f6nc\u0259 d\u0259 \u0259man\u0259tl\u0259rin faizl\u0259rin\u0259 vergi t\u0259tbiq olunurdu. O vaxt da Az\u0259rbaycan banklar\u0131nda \u0259man\u0259tl\u0259r art\u0131rd\u0131. Banka \u0259man\u0259t yerl\u0259\u015fdirm\u0259k problemi devalvasiyaya g\u00f6r\u0259 yaranm\u0131\u015fd\u0131, h\u0259min d\u00f6vrd\u0259 bu q\u0259rar verildi. Bundan sonra t\u0259sirinin nec\u0259 olaca\u011f\u0131n\u0131 \u00f6l\u00e7m\u0259k laz\u0131md\u0131r. Verginin banklara \u0259man\u0259t yerl\u0259\u015fdirilm\u0259sin\u0259 ciddi t\u0259siri olaca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcnm\u00fcr\u0259m. B\u00fct\u00fcn sah\u0259l\u0259rd\u0259 g\u0259lirimizin m\u00fc\u0259yy\u0259n hiss\u0259sind\u0259n vergi verm\u0259liyik. \u018fman\u0259t faizl\u0259ri d\u0259 el\u0259dir\u201d.<\/p>\n
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C.\u0130brahimlinin s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, \u0259hali h\u0259m d\u0259 ona g\u00f6r\u0259 bankdan pulunu \u00e7\u0259km\u0259y\u0259c\u0259k ki, Az\u0259rbaycanda dig\u0259r kapital bazarlar\u0131 o q\u0259d\u0259r d\u0259 inki\u015faf etm\u0259yib:<\/p>\n
\u201cDig\u0259r kapital sektorlar\u0131 bank sektorunun k\u00f6lg\u0259sind\u0259 qald\u0131\u011f\u0131 \u00fc\u00e7\u00fcn Az\u0259rbaycan insan\u0131 investisiya dey\u0259nd\u0259, \u0259sas, banka \u0259man\u0259t qoyma\u011f\u0131 d\u00fc\u015f\u00fcn\u00fcr. Onu da t\u0259tbiq edir. V\u0259saitl\u0259ri bankdan \u00e7\u0131xaranda investisiya etm\u0259k \u00fc\u00e7\u00fcn alternativ sah\u0259l\u0259r olmal\u0131d\u0131r. Az\u0259rbaycanda s\u0259hm, istiqraz, \u0259mlak bazar\u0131 var, amma bu sektorlar daha \u00e7ox m\u0259lumatl\u0131l\u0131q t\u0259l\u0259b edir\u201d.<\/p>\n
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Bank eksperti deyir ki, \u0259g\u0259r kims\u0259 g\u0259lirin\u0259 g\u00f6r\u0259 faiz \u00f6d\u0259m\u0259k ist\u0259mirs\u0259, m\u0259lumatl\u0131l\u0131\u011f\u0131 varsa, investisiyas\u0131n\u0131 s\u0259hm v\u0259 istiqrazlara yat\u0131ra bil\u0259r:<\/p>\n
\u201cS\u0259hm v\u0259 istiqrazlardan \u0259ld\u0259 edil\u0259n g\u0259lir\u0259 g\u00f6r\u0259 h\u0259l\u0259 ki vergi g\u00fcz\u0259\u015fti t\u0259tbiq edilir. Maliyy\u0259 Nazirliyi b\u00fcdc\u0259y\u0259 v\u0259sait c\u0259lb etm\u0259k \u00fc\u00e7\u00fcn illik 2-3 milyard manat m\u0259bl\u0259\u011find\u0259 d\u00f6vl\u0259t istiqrazlar\u0131 emissiya edir. Onlar\u0131 ala bil\u0259rl\u0259r. Faizl\u0259ri d\u0259 t\u0259xmin\u0259n \u0259man\u0259tl\u0259r\u0259 uy\u011fundur. H\u0259tta Az\u0259rbaycan bazar\u0131nda korporativ istiqrazlar\u0131n faizi bank \u0259man\u0259tl\u0259rinin faizind\u0259n y\u00fcks\u0259kdir\u201d.<\/p>\n
C.\u0130brahimlinin s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, \u0259g\u0259r banklardan pul \u00e7\u0259kilm\u0259y\u0259 ba\u015flan\u0131larsa, banklar \u0259man\u0259t faizl\u0259rini y\u00fcks\u0259ld\u0259 bil\u0259rl\u0259r:<\/p>\n
\u201cBanklar v\u0259saitin banklardan \u00e7\u0259kildiyini g\u00f6rs\u0259l\u0259r, o zaman \u0259man\u0259t faizini 1 faiz civar\u0131nda y\u00fcks\u0259ld\u0259r\u0259k, \u0259halinin h\u0259min itkisini kompensasiya etmi\u015f olacaqlar\u201d.<\/p>\n
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M\u0259rk\u0259zi Bank\u0131n s\u0259dri Taleh Kaz\u0131mov\u00a0deyib ki, verginin t\u0259tbiqi \u0259man\u0259tl\u0259r\u0259 h\u0259r hans\u0131 t\u0259hdid yaratm\u0131r: \u201cOla bil\u0259r ki, bu kredit faizl\u0259rin\u0259 t\u0259sir etsin. Bunu is\u0259 qar\u015f\u0131dak\u0131 t\u0259hlill\u0259rimiz \u0259sas\u0131nda dey\u0259 bil\u0259c\u0259yik\u201d.<\/p>\n
C.\u0130brahimli bildirib\u00a0ki, verginin t\u0259tbiqi t\u0259klikd\u0259 kredit faizl\u0259rin\u0259 ciddi t\u0259sir g\u00f6st\u0259r\u0259 bilm\u0259z. Ancaq u\u00e7ot d\u0259r\u0259c\u0259sinin art\u0131r\u0131lmas\u0131 fonunda, iki amilin bir yerd\u0259 m\u00fc\u0259yy\u0259n q\u0259d\u0259r t\u0259siri ola bil\u0259r:<\/p>\n
\u201c\u018fman\u0259t faizl\u0259rinin 1 faiz art\u0131m\u0131n\u0131n kredit faizl\u0259rind\u0259 ciddi d\u0259yi\u015fiklik yaradaca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcnm\u00fcr\u0259m. Ancaq M\u0259rk\u0259zi Bank fevral\u0131n 1-i u\u00e7ot d\u0259r\u0259c\u0259sini art\u0131r\u0131b 8,5 faiz etdi. Bu art\u0131mda da m\u0259qs\u0259d istehlak kreditl\u0259rinin azalmas\u0131d\u0131r. \u0130nflyasiyan\u0131 t\u0259nziml\u0259m\u0259k \u00fc\u00e7\u00fcn istehlak kreditl\u0259rinin \u0259l\u00e7atanl\u0131\u011f\u0131 bir az \u00e7\u0259tinl\u0259\u015fdirilir. Bu da bir d\u00f6n\u0259m \u00fc\u00e7\u00fcnd\u00fcr. Y\u0259ni h\u0259r iki faktorun t\u0259siri il\u0259 kredit faizl\u0259rind\u0259 y\u00fcks\u0259lm\u0259 ola bil\u0259r. Ancaq b\u00f6y\u00fck art\u0131m olaca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcnm\u00fcr\u0259m\u201d.<\/p>\n","protected":false},"excerpt":{"rendered":"
Banklarda yerl\u0259\u015fdirdiyimiz \u0259man\u0259tl\u0259rd\u0259n \u0259ld\u0259 etdiyimiz g\u0259lir 7 il idi ki, vergid\u0259n azad idi. Bu m\u00fcdd\u0259t bitdi v\u0259 fevral\u0131n 1-d\u0259n art\u0131q \u0259man\u0259tl\u0259rd\u0259n \u0259ld\u0259 etdiyimiz g\u0259lirin 10 faizi vergi olaraq bizd\u0259n tutulacaq. G\u00fcz\u0259\u015ft m\u00fcdd\u0259tinin bitm\u0259si x\u0259b\u0259ri yay\u0131landan, narahatl\u0131q dolu suallar da yaranma\u011fa ba\u015flad\u0131. \u201cHam\u0131 pulunu banklardan \u00e7\u0259k\u0259c\u0259k\u201d kimi fikirl\u0259r s\u0259sl\u0259ndirilib. \u201cKaspi\u201d\u00a0q\u0259zeti m\u00f6vzu il\u0259 ba\u011fl\u0131 m\u0259qal\u0259 d\u0259rc edib. Bu fikirl\u0259rin \u0259sas\u0131nda duran s\u0259b\u0259b el\u0259 g\u00fcz\u0259\u015ftin t\u0259tbiq olunmas\u0131 idi. \u00c7\u00fcnki g\u00fcz\u0259\u015ft \u0259halinin banklara pul yerl\u0259\u015fdirm\u0259sin\u0259 maraq yaratmaq m\u0259qs\u0259di il\u0259 edilmi\u015fdi. Bel\u0259 ki, 2015-ci il devalvasiyas\u0131ndan sonra pulunu banklarda deyil, yast\u0131q alt\u0131nda saxlayanlar \u00e7oxalm\u0131\u015fd\u0131. \u018fhalinin…<\/p>\n","protected":false},"author":2,"featured_media":561232,"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\/2023\/02\/FotoJet-2023-02-05T183921.672.jpg",620,413,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/02\/FotoJet-2023-02-05T183921.672.jpg",620,413,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/02\/FotoJet-2023-02-05T183921.672.jpg",620,413,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/02\/FotoJet-2023-02-05T183921.672-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/02\/FotoJet-2023-02-05T183921.672-548x365.jpg",548,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/02\/FotoJet-2023-02-05T183921.672.jpg",620,413,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/02\/FotoJet-2023-02-05T183921.672.jpg",620,413,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/02\/FotoJet-2023-02-05T183921.672.jpg",620,413,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/02\/FotoJet-2023-02-05T183921.672-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/02\/FotoJet-2023-02-05T183921.672.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":"Banklarda yerl\u0259\u015fdirdiyimiz \u0259man\u0259tl\u0259rd\u0259n \u0259ld\u0259 etdiyimiz g\u0259lir 7 il idi ki, vergid\u0259n azad idi. Bu m\u00fcdd\u0259t bitdi v\u0259 fevral\u0131n 1-d\u0259n art\u0131q \u0259man\u0259tl\u0259rd\u0259n \u0259ld\u0259 etdiyimiz g\u0259lirin 10 faizi vergi olaraq bizd\u0259n tutulacaq. G\u00fcz\u0259\u015ft m\u00fcdd\u0259tinin bitm\u0259si x\u0259b\u0259ri yay\u0131landan, narahatl\u0131q dolu suallar da yaranma\u011fa ba\u015flad\u0131. \u201cHam\u0131 pulunu banklardan \u00e7\u0259k\u0259c\u0259k\u201d kimi fikirl\u0259r s\u0259sl\u0259ndirilib. \u201cKaspi\u201d\u00a0q\u0259zeti m\u00f6vzu il\u0259 ba\u011fl\u0131 m\u0259qal\u0259 d\u0259rc edib.…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/561231"}],"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=561231"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/561231\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/561232"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=561231"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=561231"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=561231"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}