Neqativ m\u0259lumatlar\u0131 m\u0259hk\u0259m\u0259l\u0259r d\u0259 \u00f6t\u00fcrm\u0259lidirl\u0259r<\/strong><\/p>\n H\u00fcquq\u015f\u00fcnas Ceyhun C\u0259f\u0259rli qanunun niy\u0259 q\u0259bul olundu\u011funu, n\u0259y\u0259 xidm\u0259t etdiyini a\u00e7\u0131qlad\u0131. Bildirdi ki, bu qanun t\u0259\u015fkilatlar\u0131n, \u015firk\u0259tl\u0259rin \u00f6z\u00fcn\u0259 faydal\u0131d\u0131r:<\/p>\n \u201cKredit b\u00fcrolar\u0131 haqq\u0131nda\u201d qanun 2016-c\u0131 ild\u0259 q\u0259bul edilib. Bu qanunun q\u0259bul edilm\u0259sind\u0259 m\u0259qs\u0259d h\u00fcquqi v\u0259 fiziki \u015f\u0259xsl\u0259rin kredit \u00f6hd\u0259likl\u0259ri \u00fczr\u0259, cari v\u0259 \u00f6d\u0259nilmi\u015f borclar\u0131n\u0131n, ipoteka, girov, saxlanc haqq\u0131nda m\u0259lumat bazas\u0131n\u0131n yarad\u0131lmas\u0131, bel\u0259likl\u0259, sabit maliyy\u0259 siyas\u0259tinin formala\u015fd\u0131r\u0131lmas\u0131 idi. Fiziki v\u0259 h\u00fcquqi \u015f\u0259xsin borc \u00f6hd\u0259likl\u0259ri bar\u0259d\u0259 m\u0259lumatlar\u0131n ham\u0131s\u0131 kredit b\u00fcrolar\u0131na \u00f6t\u00fcr\u00fclm\u0259lidir. Bu m\u0259lumatlar portala elektron qaydada y\u00fckl\u0259nm\u0259lidir. Kredit b\u00fcrolar\u0131 m\u0259lumatlar\u0131 toplayan, saxlayan, analiz ed\u0259n t\u0259\u015fkilatd\u0131r. O, bunlar\u0131 M\u0259rk\u0259zi Bank, s\u0131\u011forta \u015firk\u0259tl\u0259ri, t\u0259krar s\u0131\u011forta\u00e7\u0131lar – lizinq t\u0259\u015fkilatlar\u0131, kommunal xidm\u0259tl\u0259r g\u00f6st\u0259r\u0259n t\u0259\u015fkilatlar, rabit\u0259 xidm\u0259tl\u0259ri, mobil operatorlar, m\u0259nzil-tikinti kooperativl\u0259ri, iri ticar\u0259t m\u0259rk\u0259zl\u0259ri v\u0259 lombardlardan toplay\u0131r. M\u0259s\u0259l\u0259n, bir bank siz\u0259 kredit verm\u0259k ist\u0259yir v\u0259 ya lizinq \u015firk\u0259ti avtomobil sat\u0131r. H\u0259min \u015firk\u0259t haradan bilsin ki, maliyy\u0259 m\u0259s\u0259l\u0259l\u0259ri il\u0259 ba\u011fl\u0131 pozitiv v\u0259 neqativ m\u0259lumatlar\u0131n\u0131z nec\u0259dir? \u201cKredit b\u00fcrolar\u0131 haqq\u0131nda\u201d qanunda var ki, neqativ m\u0259lumatlar\u0131 m\u0259hk\u0259m\u0259l\u0259r d\u0259 \u00f6t\u00fcrm\u0259lidirl\u0259r. M\u0259s\u0259l\u0259n, \u015f\u0259xs aliment borcunu, yaxud z\u0259r\u0259r vurmaqdan ir\u0259li g\u0259l\u0259n bir borcu \u00f6d\u0259mir. Bu halda ona dig\u0259r yerl\u0259rd\u0259 d\u0259 kredit verilmir. Bu, insanlar\u0131n maliyy\u0259 intizam\u0131n\u0131 g\u00fccl\u0259ndirm\u0259k, m\u0259suliyy\u0259t yaratmaq \u00fc\u00e7\u00fcnd\u00fcr\u201d.<\/p>\n Qanun m\u0259i\u015f\u0259t tipli nisy\u0259 mal sat\u0131\u015f\u0131na aid deyil<\/strong><\/p>\n H\u00fcquq\u015f\u00fcnas qeyd etdi ki, qanunda anla\u015f\u0131lmayan m\u0259s\u0259l\u0259 onun kiml\u0259r\u0259 \u015famil olunmas\u0131d\u0131r. B\u0259zi insanlar el\u0259 bilirl\u0259r ki, bu, m\u0259i\u015f\u0259t tipli nisy\u0259 mal sat\u0131\u015f\u0131na da aiddir. \u018fslind\u0259 is\u0259 burada m\u00fcqavil\u0259 il\u0259 kredit ver\u0259n t\u0259\u015fkilatlar n\u0259z\u0259rd\u0259 tutulur:<\/p>\n \u201cBu d\u0259yi\u015fiklik qanunun t\u0259tbiqi z\u0259rur\u0259tind\u0259n ir\u0259li g\u0259lir. Y\u0259ni, bir \u00e7ox t\u0259\u015fkilatlar qeyd olunan m\u0259lumatlar\u0131n a\u00e7\u0131qlanmas\u0131 t\u0259l\u0259bind\u0259n yay\u0131n\u0131rd\u0131lar. Amma unutmayaq ki, bu m\u0259lumatlardan yen\u0259 d\u0259 \u015firk\u0259tl\u0259r \u00f6zl\u0259ri qar\u015f\u0131l\u0131ql\u0131 \u015f\u0259kild\u0259 faydalanacaq. Bel\u0259 halda sabit maliyy\u0259 siyas\u0259ti h\u0259yata ke\u00e7iril\u0259c\u0259k. \u015e\u0259xsl\u0259rin maliyy\u0259 imkanlar\u0131na \u00e7\u0131x\u0131\u015f\u0131 bu m\u0259lumatlardan as\u0131l\u0131 olacaq. H\u0259m\u00e7inin, m\u0259hk\u0259m\u0259l\u0259r\u0259 q\u0259d\u0259r gedib \u00e7\u0131xan m\u0259s\u0259l\u0259l\u0259rin d\u0259 say\u0131 azalm\u0131\u015f olacaq. Sahibkarlar da qorunmu\u015f olacaqlar. Lakin bu qanun ki\u00e7ik sahibkarlara, m\u0259h\u0259ll\u0259 marketl\u0259rin\u0259 yox, qanuni m\u00fcqavil\u0259 il\u0259 t\u0259nziml\u0259n\u0259n, r\u0259smi \u015f\u0259kild\u0259 nisy\u0259 mal satan \u015f\u0259xsl\u0259r\u0259 aiddir\u201d.<\/p>\n \u201cO dem\u0259k deyil ki, nisy\u0259 sat\u0131\u015f olmayacaq\u201d<\/strong><\/p>\n \u0130qtisad\u00e7\u0131 Eyyub K\u0259rimli \u015firk\u0259tl\u0259rin niy\u0259 qanuna \u0259m\u0259l etm\u0259dikl\u0259ri m\u0259s\u0259l\u0259sin\u0259 ayd\u0131nl\u0131q g\u0259tirdi. Onun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, onlar bunu ed\u0259r\u0259k m\u0259hsulun \u00fcz\u0259rin\u0259 faiz \u0259lav\u0259 edib, \u0259lav\u0259 g\u0259lir qazan\u0131rlar:<\/p>\n \u201cBu qanun insanlar aras\u0131nda ajiotaj yarad\u0131b. Amma \u0259slind\u0259 m\u0259s\u0259l\u0259nin fiziki \u015f\u0259xsl\u0259r\u0259 \u00e7ox da aidiyy\u0259ti yoxdur. Kims\u0259 rayonda nisy\u0259 mal sat\u0131rsa, bu qanun onlara qar\u015f\u0131 y\u00f6n\u0259lm\u0259yib. Bu, \u0259sas\u0259n kreditl\u0259 i\u015fl\u0259y\u0259n h\u00fcquqi \u015f\u0259xsl\u0259r\u0259 \u015famil edilir. \u018fslind\u0259 kreditl\u0259 mal satanlar \u00fcz\u0259rind\u0259 g\u0259lir g\u00f6t\u00fcr\u00fcrl\u0259r, lakin bunu el\u0259 qeyd edirl\u0259r ki, guya nisy\u0259 sat\u0131\u015fd\u0131r, \u0259lav\u0259 pul qoymurlar. Vergid\u0259n yay\u0131nma \u00fc\u00e7\u00fcn nisy\u0259 sat\u0131\u015f kimi qeydiyyata al\u0131rlar v\u0259 vergi orqanlar\u0131na bel\u0259 t\u0259qdim olunur. Bu halda onlar nisy\u0259 satd\u0131qlar\u0131 m\u0259hsulu daha baha sat\u0131rlar, \u00fcz\u0259rin\u0259 \u0259lav\u0259 faiz qoyurlar v\u0259 onun g\u0259lirl\u0259rini gizl\u0259dirl\u0259r. Y\u0259ni, kredit kimi g\u00f6st\u0259rmirl\u0259r. Bu qanun h\u0259min hallar\u0131n qar\u015f\u0131s\u0131n\u0131n al\u0131nmas\u0131 \u00fc\u00e7\u00fcnd\u00fcr. O dem\u0259k deyil ki, nisy\u0259 sat\u0131\u015f olmayacaq. Sad\u0259c\u0259, m\u0259lumatlar\u0131n t\u0259qdim edilm\u0259m\u0259sin\u0259 g\u00f6r\u0259 c\u0259rim\u0259l\u0259r n\u0259z\u0259rd\u0259 tutulub. Qanun bar\u0259sind\u0259 m\u0259lumat az oldu\u011fu \u00fc\u00e7\u00fcn insanlar aras\u0131nda ajiotaj yaran\u0131r\u201d.<\/p>\n Ekspertin fikrinc\u0259, \u0259g\u0259r t\u0259\u015fkilatlar m\u0259lumatlar\u0131 d\u00fczg\u00fcn \u00f6t\u00fcr\u0259rl\u0259rs\u0259, bu halda qanun d\u00fczg\u00fcn i\u015fl\u0259y\u0259c\u0259k v\u0259 insanlar\u0131n kredit m\u0259lumatlar\u0131 daha ayd\u0131n \u015f\u0259kild\u0259 g\u00f6st\u0259ril\u0259c\u0259k:<\/p>\n \u201cBu d\u0259yi\u015fiklik v\u0259t\u0259nda\u015flara t\u0259sir etm\u0259y\u0259c\u0259k. Vergid\u0259n yay\u0131nma hallar\u0131n\u0131n qar\u015f\u0131s\u0131 al\u0131nacaq. Art\u0131q v\u0259t\u0259nda\u015f h\u0259r hans\u0131 bir ma\u011fazadan, yaxud dig\u0259r bir yerd\u0259n kredit\u0259 m\u0259hsul alanda r\u0259smi kredit tarix\u00e7\u0259sind\u0259 \u0259ks olunacaq ki, \u015f\u0259xsin krediti var\u201d.<\/p>\n M\u0259hsullar\u0131 kreditl\u0259 daha baha \u0259ld\u0259 ed\u0259c\u0259yik<\/strong><\/p>\n \u0130qtisad\u00e7\u0131 dedi ki, bu yeniliyin t\u0259tbiqind\u0259n sonra b\u0259zi sahibkarlar bazardan \u00e7\u0131xacaqlar, lakin bu, iqtisadiyyata t\u0259sir etm\u0259y\u0259c\u0259k:<\/p>\n \u201c\u0130ndiy\u0259 q\u0259d\u0259r qeyri-r\u0259smi f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n kommersiya subyektl\u0259ri ya f\u0259aliyy\u0259tl\u0259rini r\u0259smil\u0259\u015fdir\u0259c\u0259k, ya da i\u015fl\u0259rini dayand\u0131racaqlar. F\u0259aliyy\u0259tini r\u0259smil\u0259\u015fdirm\u0259y\u0259n sahibkarlar bu sah\u0259d\u0259 art\u0131q i\u015fl\u0259y\u0259 bilm\u0259y\u0259c\u0259kl\u0259r. Lakin bazar b\u00f6y\u00fck sars\u0131nt\u0131 ya\u015famayacaq. \u00c7\u00fcnki \u0259ks\u0259r hallarda daha \u00e7ox b\u00f6y\u00fck \u015firk\u0259tl\u0259rin bu f\u0259aliyy\u0259tl\u0259 m\u0259\u015f\u011ful oldu\u011funu g\u00f6r\u00fcr\u00fck. Onlar\u0131n da f\u0259aliyy\u0259tl\u0259rini m\u0259hdudla\u015fd\u0131raca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcnm\u00fcr\u0259m. Bu bax\u0131mdan hesab etmir\u0259m ki, istehlak\u00e7\u0131ya t\u0259sir etsin. \u018fksin\u0259, istehlak\u00e7\u0131 daha z\u0259man\u0259tli, keyfiyy\u0259tli xidm\u0259t \u0259ld\u0259 ed\u0259c\u0259k. Sad\u0259c\u0259, qiym\u0259tl\u0259rd\u0259 art\u0131m m\u00fc\u015fahid\u0259 edil\u0259 bil\u0259r. Kreditl\u0259 olan m\u0259hsullar\u0131 bir az baha \u0259ld\u0259 ed\u0259c\u0259yik. \u00c7\u00fcnki r\u0259smil\u0259\u015fdirm\u0259d\u0259 x\u0259rcl\u0259r artacaq\u201d.<\/p>\n","protected":false},"excerpt":{"rendered":" \u201cKredit b\u00fcrolar\u0131 haqq\u0131nda\u201d qanuna edil\u0259n d\u0259yi\u015fiklik insanlar aras\u0131nda \u00e7a\u015fq\u0131nl\u0131q yarad\u0131b. Nisy\u0259 ticar\u0259t ed\u0259nl\u0259rl\u0259 ba\u011fl\u0131 c\u0259rim\u0259l\u0259rin t\u0259tbiqini n\u0259z\u0259rd\u0259 tutan m\u0259lum d\u0259yi\u015fikliyin h\u0259d\u0259fi v\u0259 \u0259hat\u0259 dair\u0259si is\u0259 tam ba\u015fqad\u0131r. Ekspertl\u0259r d\u00fc\u015f\u00fcn\u00fcrl\u0259r ki, bu qanun kredit f\u0259aliyy\u0259tl\u0259rinin daha \u015f\u0259ffaf h\u0259yata ke\u00e7irilm\u0259sin\u0259 g\u0259tirib \u00e7\u0131xaracaq. Lakin bu \u015f\u0259ffafl\u0131q qiym\u0259t art\u0131mlar\u0131na da s\u0259b\u0259b ola bil\u0259r. Az\u0259rbaycanda nisy\u0259 mal alq\u0131-satq\u0131s\u0131 il\u0259 m\u0259\u015f\u011ful olanlarla ba\u011fl\u0131 yeni c\u0259rim\u0259l\u0259r m\u00fc\u0259yy\u0259nl\u0259\u015fib. \u0130nzibati X\u0259talar M\u0259c\u0259ll\u0259sin\u0259 edil\u0259n d\u0259yi\u015fikliy\u0259 \u0259sas\u0259n, \u201cKredit b\u00fcrolar\u0131 haqq\u0131nda\u201d qanunun t\u0259l\u0259bl\u0259rin\u0259 uy\u011fun kredit tarix\u00e7\u0259l\u0259rini t\u0259\u015fkil ed\u0259n m\u0259lumat\u0131n kredit b\u00fcrosuna m\u00fc\u0259yy\u0259n olunmu\u015f qaydada, yaxud tam, d\u00fczg\u00fcn v\u0259 ya vaxt\u0131nda t\u0259qdim edilm\u0259m\u0259sin\u0259…<\/p>\n","protected":false},"author":2,"featured_media":639918,"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\/09\/FotoJet-101.jpg",620,413,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/09\/FotoJet-101.jpg",620,413,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/09\/FotoJet-101.jpg",620,413,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/09\/FotoJet-101-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/09\/FotoJet-101-548x365.jpg",548,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/09\/FotoJet-101.jpg",620,413,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/09\/FotoJet-101.jpg",620,413,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/09\/FotoJet-101.jpg",620,413,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/09\/FotoJet-101-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/09\/FotoJet-101.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":"\u201cKredit b\u00fcrolar\u0131 haqq\u0131nda\u201d qanuna edil\u0259n d\u0259yi\u015fiklik insanlar aras\u0131nda \u00e7a\u015fq\u0131nl\u0131q yarad\u0131b. Nisy\u0259 ticar\u0259t ed\u0259nl\u0259rl\u0259 ba\u011fl\u0131 c\u0259rim\u0259l\u0259rin t\u0259tbiqini n\u0259z\u0259rd\u0259 tutan m\u0259lum d\u0259yi\u015fikliyin h\u0259d\u0259fi v\u0259 \u0259hat\u0259 dair\u0259si is\u0259 tam ba\u015fqad\u0131r. Ekspertl\u0259r d\u00fc\u015f\u00fcn\u00fcrl\u0259r ki, bu qanun kredit f\u0259aliyy\u0259tl\u0259rinin daha \u015f\u0259ffaf h\u0259yata ke\u00e7irilm\u0259sin\u0259 g\u0259tirib \u00e7\u0131xaracaq. Lakin bu \u015f\u0259ffafl\u0131q qiym\u0259t art\u0131mlar\u0131na da s\u0259b\u0259b ola bil\u0259r. Az\u0259rbaycanda nisy\u0259 mal alq\u0131-satq\u0131s\u0131 il\u0259 m\u0259\u015f\u011ful…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/639915"}],"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=639915"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/639915\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/639918"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=639915"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=639915"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=639915"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}<\/p>\n
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