Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n a\u00e7\u0131qlad\u0131\u011f\u0131 son r\u00fcbl\u00fck hesabatda, problemli kreditl\u0259rin h\u0259cminin 600 milyon manata \u00e7atd\u0131\u011f\u0131 \u0259ks olunub.<\/p>\n
Bildirilir ki, bu h\u0259cm 2023-c\u00fc ilin may ay\u0131n\u0131n 1-n\u0259 q\u0259d\u0259r 591.8 milyon manat t\u0259\u015fkil edib, aprel ay\u0131n\u0131n 1-i il\u0259 m\u00fcqayis\u0259d\u0259 0,2 % art\u0131b, 2022-ci ilin m\u00fcvafiq d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 is\u0259 12.3% azal\u0131b.<\/p>\n
Qeyd ed\u0259k ki, problemli kreditl\u0259rin 73.8%-i v\u0259 436,6 milyon manat\u0131 milli valyutada, 26.2%-i v\u0259 ya 155.2 milyon manat\u0131 is\u0259 xarici valyutada olub.<\/p>\n
M\u0259s\u0259l\u0259 il\u0259 ba\u011fl\u0131 fikirl\u0259rini\u00a0Bizim.Media-ya a\u00e7\u0131qlayan iqtisad\u00e7\u0131-ekspert\u00a0Eyyub K\u0259rimli\u00a0bildirib ki, \u00f6lk\u0259d\u0259 problemli kreditl\u0259rin faizind\u0259 \u00f6t\u0259n ill\u0259 m\u00fcqayis\u0259d\u0259 azalma ba\u015f verir.<\/p>\n
\u018fn b\u00f6y\u00fck problemli kreditl\u0259rin ilk d\u0259f\u0259 devalvasiya d\u00f6vr\u00fcnd\u0259 yarand\u0131\u011f\u0131n\u0131 xat\u0131rladan ekspert qeyd edib ki, 2019-cu ild\u0259 t\u00fc\u011fyan ed\u0259n pandemiya zaman\u0131 bu r\u0259q\u0259m daha da artd\u0131 v\u0259 v\u0259ziyy\u0259t post-pandemiya d\u00f6vr\u00fcn\u0259 q\u0259d\u0259r davam edib:<\/p>\n
\u201cArt\u0131q bu sah\u0259d\u0259 v\u0259ziyy\u0259t nisb\u0259t\u0259n d\u00fcz\u0259lm\u0259y\u0259 ba\u015flay\u0131b. Bu da onunla \u0259laq\u0259dard\u0131r ki, h\u0259m devalvasiyadan, h\u0259m d\u0259 pandemiyadan sonra banklar qar\u015f\u0131s\u0131nda daha da s\u0259rt \u015f\u0259rtl\u0259r qoyuldu. \u018fvv\u0259lc\u0259 v\u0259t\u0259nda\u015flar\u0131n \u00f6d\u0259m\u0259 qabiliyy\u0259ti analiz edildi v\u0259 s\u0259rt yana\u015fmalar t\u0259tbiq olundu. Haz\u0131rda da h\u0259m istehlak, h\u0259m d\u0259 dig\u0259r kreditl\u0259rl\u0259 ba\u011fl\u0131 ciddi ara\u015fd\u0131rma apar\u0131l\u0131r v\u0259 m\u00fc\u015ft\u0259rinin \u00f6d\u0259m\u0259 qabiliyy\u0259ti \u0259sas g\u00f6t\u00fcr\u00fcl\u00fcr. Bu g\u00fcn problemli kreditl\u0259r d\u00fcnyan\u0131n bir \u00e7ox \u00f6lk\u0259l\u0259rind\u0259 var. B\u0259z\u0259n insanlar g\u0259lirl\u0259rini hesablamadan, \u00f6hd\u0259likl\u0259ri bar\u0259d\u0259 d\u00fc\u015f\u00fcnm\u0259d\u0259n kreditl\u0259r g\u00f6t\u00fcr\u00fcrl\u0259r ki, bu da sonradan maliyy\u0259 probleml\u0259rinin ya\u015fanmas\u0131na s\u0259b\u0259b olur\u201d.<\/p>\n
Eyyub K\u0259rimlinin s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, faizl\u0259rin y\u00fcks\u0259k olmas\u0131, problemli kreditl\u0259rin yaranmas\u0131na s\u0259b\u0259b olur:<\/p>\n
\u201cH\u0259m T\u00fcrkiy\u0259 v\u0259 G\u00fcrc\u00fcstan kimi qon\u015fu d\u00f6vl\u0259tl\u0259rl\u0259, h\u0259m d\u0259 Avropa \u00f6lk\u0259l\u0259ri il\u0259 m\u00fcqayis\u0259 ets\u0259k, bizd\u0259 kredit faizl\u0259rinin \u00e7ox y\u00fcks\u0259k oldu\u011funu g\u00f6r\u0259rik. B\u0259z\u0259n bu g\u00f6st\u0259rici biznes kreditl\u0259rind\u0259 17-18 faiz\u0259 q\u0259d\u0259r, istehlak kreditl\u0259ri is\u0259 24 faiz\u0259 q\u0259d\u0259r art\u0131r. Bu bax\u0131mdan da Az\u0259rbaycanda faizl\u0259rin a\u015fa\u011f\u0131 d\u00fc\u015fm\u0259sin\u0259 b\u00f6y\u00fck ehtiyac var\u201d.<\/p>\n
Ekspert d\u00fc\u015f\u00fcn\u00fcr ki, kredit faizl\u0259rinin \u00e7ox olmas\u0131 banklar\u0131n depozitl\u0259rd\u0259n as\u0131l\u0131 olmas\u0131 il\u0259 \u0259laq\u0259dard\u0131r:<\/p>\n
\u201cOnlar \u0259halid\u0259n y\u00fcks\u0259k faizli depozitl\u0259r c\u0259lb edir v\u0259 bunu \u00f6z xidm\u0259t haqlar\u0131n\u0131n \u00fcst\u00fcn\u0259 t\u0259tbiq etm\u0259kl\u0259 kreditl\u0259r verirl\u0259r. \u00d6t\u0259n aya nisb\u0259t\u0259n bu ay problemli kreditl\u0259rin faizl\u0259rind\u0259 c\u00fczi art\u0131mlar ba\u015f vers\u0259 d\u0259, bu, el\u0259 d\u0259 t\u0259hl\u00fck\u0259li deyil v\u0259 y\u0259qin ki, cari ilin sonuna q\u0259d\u0259r v\u0259ziyy\u0259t d\u00fcz\u0259l\u0259c\u0259k\u201d.<\/p>\n
\u00d6lk\u0259d\u0259 banklar\u0131n kredit portfelinin art\u0131q 19 milyard manata \u00e7atd\u0131\u011f\u0131n\u0131 dey\u0259n E.K\u0259rimli, bunun 2 faizd\u0259n \u00e7oxunun biznes kreditl\u0259rinin \u00fcz\u0259rin\u0259 d\u00fc\u015fd\u00fcy\u00fcn\u00fc vur\u011fulay\u0131b:<\/p>\n
\u201cBunun 24 faizini istehlak krediti, 15 faizini is\u0259 ipoteka kreditl\u0259ri t\u0259\u015fkil edir. H\u0259m bu bax\u0131mdan, h\u0259m d\u0259 maddi v\u0259ziyy\u0259tl\u0259ri s\u0259b\u0259bind\u0259n v\u0259t\u0259nda\u015flar kreditl\u0259rin \u00f6d\u0259ni\u015find\u0259 probleml\u0259r ya\u015famal\u0131 olurlar v\u0259 \u00e7ox zaman \u00f6d\u0259m\u0259 qabiliyy\u0259tl\u0259rini tamamil\u0259 itirirl\u0259r. Haz\u0131rda problemli kreditl\u0259rin \u00fcmumi kreditl\u0259r portfelin\u0259 nisb\u0259ti 3 faizdir ki, bu el\u0259 d\u0259 b\u00f6y\u00fck r\u0259q\u0259m deyil. \u00d6t\u0259n il is\u0259 bu r\u0259q\u0259m 3,8 faiz s\u0259viyy\u0259sind\u0259 olmu\u015fdu\u201d.<\/p>\n","protected":false},"excerpt":{"rendered":"
Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n a\u00e7\u0131qlad\u0131\u011f\u0131 son r\u00fcbl\u00fck hesabatda, problemli kreditl\u0259rin h\u0259cminin 600 milyon manata \u00e7atd\u0131\u011f\u0131 \u0259ks olunub. Bildirilir ki, bu h\u0259cm 2023-c\u00fc ilin may ay\u0131n\u0131n 1-n\u0259 q\u0259d\u0259r 591.8 milyon manat t\u0259\u015fkil edib, aprel ay\u0131n\u0131n 1-i il\u0259 m\u00fcqayis\u0259d\u0259 0,2 % art\u0131b, 2022-ci ilin m\u00fcvafiq d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 is\u0259 12.3% azal\u0131b. Qeyd ed\u0259k ki, problemli kreditl\u0259rin 73.8%-i v\u0259 436,6 milyon manat\u0131 milli valyutada, 26.2%-i v\u0259 ya 155.2 milyon manat\u0131 is\u0259 xarici valyutada olub. M\u0259s\u0259l\u0259 il\u0259 ba\u011fl\u0131 fikirl\u0259rini\u00a0Bizim.Media-ya a\u00e7\u0131qlayan iqtisad\u00e7\u0131-ekspert\u00a0Eyyub K\u0259rimli\u00a0bildirib ki, \u00f6lk\u0259d\u0259 problemli kreditl\u0259rin faizind\u0259 \u00f6t\u0259n ill\u0259 m\u00fcqayis\u0259d\u0259 azalma ba\u015f verir. \u018fn b\u00f6y\u00fck…<\/p>\n","protected":false},"author":2,"featured_media":602732,"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\/2023\/05\/1685100051_1.jpg",620,413,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/05\/1685100051_1.jpg",620,413,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/05\/1685100051_1.jpg",620,413,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/05\/1685100051_1-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/05\/1685100051_1-548x365.jpg",548,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/05\/1685100051_1.jpg",620,413,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/05\/1685100051_1.jpg",620,413,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/05\/1685100051_1.jpg",620,413,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/05\/1685100051_1-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/05\/1685100051_1.jpg",620,413,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":"Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n a\u00e7\u0131qlad\u0131\u011f\u0131 son r\u00fcbl\u00fck hesabatda, problemli kreditl\u0259rin h\u0259cminin 600 milyon manata \u00e7atd\u0131\u011f\u0131 \u0259ks olunub. Bildirilir ki, bu h\u0259cm 2023-c\u00fc ilin may ay\u0131n\u0131n 1-n\u0259 q\u0259d\u0259r 591.8 milyon manat t\u0259\u015fkil edib, aprel ay\u0131n\u0131n 1-i il\u0259 m\u00fcqayis\u0259d\u0259 0,2 % art\u0131b, 2022-ci ilin m\u00fcvafiq d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 is\u0259 12.3% azal\u0131b. Qeyd ed\u0259k ki, problemli kreditl\u0259rin 73.8%-i v\u0259…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/602731"}],"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=602731"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/602731\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/602732"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=602731"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=602731"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=602731"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}