{"id":647553,"date":"2023-10-19T20:22:20","date_gmt":"2023-10-19T16:22:20","guid":{"rendered":"https:\/\/arantv.az\/?p=647553"},"modified":"2023-10-19T20:22:20","modified_gmt":"2023-10-19T16:22:20","slug":"mugan-bankin-baglanmasina-reaksiya-b%c9%99zi-r%c9%99hb%c9%99rl%c9%99r-dasidigi-v%c9%99zif%c9%99nin-s%c9%99lahiyy%c9%99tl%c9%99rini-basa-dusmurl%c9%99r","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=647553","title":{"rendered":"\u201cMu\u011fan Bank\u201d\u0131n ba\u011flanmas\u0131na reaksiya: \u201cB\u0259zi r\u0259hb\u0259rl\u0259r da\u015f\u0131d\u0131\u011f\u0131 v\u0259zif\u0259nin s\u0259lahiyy\u0259tl\u0259rini ba\u015fa d\u00fc\u015fm\u00fcrl\u0259r\u201d"},"content":{"rendered":"

Bu g\u00fcn \u201cMu\u011fan Bank\u201d ASC l\u0259\u011fv edilib. S\u0259b\u0259b olaraq m\u0259cmu kapital\u0131n\u0131n miqdar\u0131n\u0131n banklar \u00fc\u00e7\u00fcn m\u00fc\u0259yy\u0259n edilmi\u015f minimum miqdar\u0131ndan az oldu\u011fu bildirilir. Y\u0259ni m\u0259cmu kapital\u0131n\u0131n adekvatl\u0131q \u0259msal\u0131n\u0131n \u00fc\u00e7 faizd\u0259n az olmas\u0131, cari f\u0259aliyy\u0259tini etibarl\u0131 v\u0259 prudensial qaydada h\u0259yata ke\u00e7irm\u0259diyi, daxili idar\u0259etm\u0259 v\u0259 n\u0259zar\u0259t prosedurlar\u0131n\u0131n adekvat olmad\u0131\u011f\u0131 bank\u0131n ba\u011flanmas\u0131na s\u0259b\u0259b olaraq g\u00f6st\u0259rilib.<\/p>\n

M\u00f6vzu il\u0259 ba\u011fl\u0131\u00a0Oxu.Az<\/strong>-a a\u00e7\u0131qlama ver\u0259n iqtisad\u00e7\u0131-ekspert\u00a0Xalid K\u0259rimlinin<\/strong>\u00a0s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, \u201cMu\u011fan Bank\u201d\u0131n 2022-ci il audit hesabat\u0131 tam \u015f\u0259rtli verilmi\u015fdi, hesabatda problem var idi:<\/p>\n

\"\"<\/p>\n

\u201cAz\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n (AMB) a\u00e7\u0131qlamas\u0131nda \u201cMu\u011fan Bank\u201d\u0131n lisenziyas\u0131n\u0131n l\u0259\u011fv edilm\u0259sinin \u015f\u0259rtl\u0259ri izah olunub. N\u0259zar\u0259t\u00e7i orqan oldu\u011fu \u00fc\u00e7\u00fcn m\u00fct\u0259madi yoxlamalar ke\u00e7irdiyin\u0259 g\u00f6r\u0259 s\u0259b\u0259bl\u0259rini M\u0259rk\u0259zi Bankdan yax\u015f\u0131 bil\u0259n yoxdur. M\u0259rk\u0259zi Bank c\u0259miyy\u0259t\u0259 t\u0259qdim etm\u0259li oldu\u011fu hiss\u0259ni elan edib.<\/p>\n

\u201cMu\u011fan Bank\u201d\u0131n 2022-ci il maliyy\u0259 hesabat\u0131na diqq\u0259t ets\u0259k, g\u00f6r\u0259rik ki, audit hesabat\u0131 tam \u015f\u0259rtli verilmi\u015fdi. Maliyy\u0259 hesabat\u0131na tam t\u0259minat vermirdil\u0259r\u201d.<\/p>\n

Ekspert qeyd edib ki, AMB v\u0259ziyy\u0259ti sa\u011flamla\u015fd\u0131rmaqdansa, bank\u0131 l\u0259\u011fv etm\u0259y\u0259 \u00fcst\u00fcnl\u00fck verdi:<\/p>\n

\u201cAMB l\u0259\u011fv olunman\u0131 m\u00fc\u0259yy\u0259n q\u0259d\u0259r izah edib. Daxili n\u0259zar\u0259t\u0259, hesabat qaydalar\u0131na riay\u0259t olunmamas\u0131n\u0131, kapital yet\u0259rsizliyini bu q\u0259rar \u00fc\u00e7\u00fcn \u0259sas hesab edib. Bu da m\u00fc\u0259yy\u0259n fikir formala\u015fd\u0131r\u0131r. M\u0259rk\u0259zi Bank \u0259vv\u0259l daha \u00e7ox banklar\u0131 sa\u011flamla\u015fd\u0131rma\u011fa c\u0259hdl\u0259r edir, s\u0259hmdarlar\u0131n i\u015fl\u0259rini t\u0259nziml\u0259yir v\u0259 \u0259lav\u0259 v\u0259saitl\u0259r t\u0259l\u0259b edirdi\u201d.<\/p>\n

X.K\u0259rimli \u201cMu\u011fan Bank\u201d ASC-nin l\u0259\u011fvinin bank sektoru \u00fc\u00e7\u00fcn ciddi t\u0259hl\u00fck\u0259 yaratmad\u0131\u011f\u0131n\u0131 s\u00f6yl\u0259yib:<\/p>\n

\u201cN\u0259z\u0259r\u0259 alaq ki, bankda yaln\u0131z s\u0131\u011fortalanm\u0131\u015f \u00f6hd\u0259lik yox idi. Orada\u00a0m\u00fc\u015ft\u0259ril\u0259rin\u00a0\u00f6z cari hesablar\u0131nda olan, s\u0131\u011fortalanmam\u0131\u015f v\u0259saitl\u0259r d\u0259\u00a0var idi. Onlar \u00fc\u00e7\u00fcn pullar\u0131n\u0131 geri g\u00f6t\u00fcrm\u0259k \u00e7\u0259tin olacaq. \u201cBanklar haqq\u0131nda\u201d Qanunda m\u00fcflisl\u0259\u015fm\u0259 qaydalar\u0131 t\u0259sbit olunub. \u0130lk olaraq inzibat\u00e7\u0131, \u018fman\u0259tl\u0259rin S\u0131\u011fortalanmas\u0131 Fondu v\u0259t\u0259nda\u015flara \u00f6d\u0259y\u0259c\u0259yi v\u0259saitl\u0259ri geri qaytarmal\u0131d\u0131r\u201d.<\/p>\n

\u201cG\u00fcnay Bank\u201ddan sonra \u201cMu\u011fan Bank\u201d\u0131n ba\u011flanmas\u0131 insanlarda sah\u0259y\u0259 inam\u0131 itir\u0259c\u0259k. \u00c7\u00fcnki h\u0259r an problem yaranaca\u011f\u0131ndan ehtiyat ed\u0259c\u0259kl\u0259r. \u015eirk\u0259tl\u0259r ki\u00e7ik v\u0259 etibars\u0131z hesab ed\u0259c\u0259kl\u0259ri banklarla \u0259m\u0259kda\u015fl\u0131q etm\u0259y\u0259c\u0259kl\u0259r. Bu is\u0259 bank sektorunda t\u0259m\u0259rk\u00fczl\u0259\u015fm\u0259y\u0259 g\u0259tirib \u00e7\u0131xaracaq\u201d.<\/p>\n

\u0130qtisad\u00e7\u0131-ekspert\u00a0Fuad \u0130brahimov\u00a0<\/strong>is\u0259 qeyd edib ki, r\u00fcbl\u00fck hesabatlar\u0131n a\u00e7\u0131qland\u0131\u011f\u0131 zaman\u00a0problem var idis\u0259, onlar\u0131 d\u0259rhal i\u015f\u0131qland\u0131rmaq laz\u0131m idi:<\/p>\n

\u201cXat\u0131rladaq ki, eyni hal \u201cG\u00fcnay Bank\u201dda da\u00a0ya\u015fanm\u0131\u015fd\u0131. Bu g\u00fcn veril\u0259n a\u00e7\u0131qlama he\u00e7 k\u0259si qane etmir. N\u0259z\u0259r\u0259 almaq laz\u0131md\u0131r ki, ist\u0259nil\u0259n \u00f6lk\u0259d\u0259 bank\u0131n ba\u011flanmas\u0131 yax\u015f\u0131 hal deyil. \u201cMu\u011fan\u00a0Bank\u201d bir ilin bank\u0131 deyil, uzun m\u00fcdd\u0259tdir f\u0259aliyy\u0259t g\u00f6st\u0259rir. Orada insanlar\u0131n kifay\u0259t q\u0259d\u0259r depozitl\u0259ri var. H\u0259tta el\u0259 depozitl\u0259r var ki, s\u0131\u011fortaya\u00a0d\u00fc\u015fm\u0259yib. Bel\u0259 hallar bank sah\u0259sin\u0259 olan etibar\u0131 itirir. H\u0259r k\u0259s kapital\u0131na g\u00f6r\u0259 narahatd\u0131r. Kapitallar\u0131n geri verilm\u0259si xeyli zaman alacaq.<\/p>\n

\"\"<\/p>\n

Ekspert h\u0259m\u00e7inin M\u0259rk\u0259zi Bank\u0131n s\u0259drinin a\u00e7\u0131qlamalar\u0131na da diqq\u0259t \u00e7\u0259kib:<\/p>\n

\u201c\u00dc\u00e7 ay \u00f6nc\u0259 AMB r\u0259hb\u0259ri demi\u015fdi ki, he\u00e7 bir problem yoxdur. Bu g\u00fcn bank ba\u011fland\u0131. B\u0259zi r\u0259hb\u0259rl\u0259r bu g\u00fcn da\u015f\u0131d\u0131\u011f\u0131 v\u0259zif\u0259nin s\u0259lahiyy\u0259tl\u0259rini ba\u015fa d\u00fc\u015fm\u00fcrl\u0259r. Bununla yana\u015f\u0131 a\u00e7\u0131qlama ver\u0259nd\u0259 h\u0259r k\u0259lm\u0259y\u0259 diqq\u0259t edilm\u0259lidir ki, sonradan bel\u0259 probleml\u0259r ya\u015fanmas\u0131n\u201d.<\/p>\n

F.\u0130brahimov hesabatlarda da \u015f\u0259ffafl\u0131q problemi oldu\u011funu dil\u0259 g\u0259tirib:<\/p>\n

\u201cBunu g\u00f6rm\u0259m\u0259zlikd\u0259n g\u0259lib, sonra bel\u0259 q\u0259rar\u0131n verilm\u0259si d\u00fczg\u00fcn deyil. N\u0259 q\u0259d\u0259r \u015firk\u0259tl\u0259rin hesabatlar\u0131 var. Bu g\u00fcn \u201cMu\u011fan\u00a0Bank\u201ddan daha bet\u0259r v\u0259ziyy\u0259td\u0259 olan banklar\u00a0var. Lakin problem bunlarda (\u201cMu\u011fan Bank\u201d v\u0259 \u201cG\u00fcnay Bank\u201d\u00a0– red.) i\u015f\u0131qland\u0131r\u0131ld\u0131. Bu hal ki\u00e7ik banklara olan inam\u0131 itirir\u201d.<\/p>\n

Xat\u0131rladaq ki, bir ne\u00e7\u0259 ay \u00f6nc\u0259 \u201cG\u00fcnay Bank\u201d da eyni s\u0259b\u0259bd\u0259n ba\u011flanm\u0131\u015fd\u0131.<\/p>\n","protected":false},"excerpt":{"rendered":"

Bu g\u00fcn \u201cMu\u011fan Bank\u201d ASC l\u0259\u011fv edilib. S\u0259b\u0259b olaraq m\u0259cmu kapital\u0131n\u0131n miqdar\u0131n\u0131n banklar \u00fc\u00e7\u00fcn m\u00fc\u0259yy\u0259n edilmi\u015f minimum miqdar\u0131ndan az oldu\u011fu bildirilir. Y\u0259ni m\u0259cmu kapital\u0131n\u0131n adekvatl\u0131q \u0259msal\u0131n\u0131n \u00fc\u00e7 faizd\u0259n az olmas\u0131, cari f\u0259aliyy\u0259tini etibarl\u0131 v\u0259 prudensial qaydada h\u0259yata ke\u00e7irm\u0259diyi, daxili idar\u0259etm\u0259 v\u0259 n\u0259zar\u0259t prosedurlar\u0131n\u0131n adekvat olmad\u0131\u011f\u0131 bank\u0131n ba\u011flanmas\u0131na s\u0259b\u0259b olaraq g\u00f6st\u0259rilib. M\u00f6vzu il\u0259 ba\u011fl\u0131\u00a0Oxu.Az-a a\u00e7\u0131qlama ver\u0259n iqtisad\u00e7\u0131-ekspert\u00a0Xalid K\u0259rimlinin\u00a0s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, \u201cMu\u011fan Bank\u201d\u0131n 2022-ci il audit hesabat\u0131 tam \u015f\u0259rtli verilmi\u015fdi, hesabatda problem var idi: \u201cAz\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n (AMB) a\u00e7\u0131qlamas\u0131nda \u201cMu\u011fan Bank\u201d\u0131n lisenziyas\u0131n\u0131n l\u0259\u011fv edilm\u0259sinin \u015f\u0259rtl\u0259ri izah olunub. N\u0259zar\u0259t\u00e7i orqan oldu\u011fu \u00fc\u00e7\u00fcn m\u00fct\u0259madi yoxlamalar…<\/p>\n","protected":false},"author":2,"featured_media":647557,"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\/10\/ahagasssssssssssss.jpg",620,413,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/10\/ahagasssssssssssss.jpg",620,413,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/10\/ahagasssssssssssss.jpg",620,413,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/10\/ahagasssssssssssss-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/10\/ahagasssssssssssss-548x365.jpg",548,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/10\/ahagasssssssssssss.jpg",620,413,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/10\/ahagasssssssssssss.jpg",620,413,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/10\/ahagasssssssssssss.jpg",620,413,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/10\/ahagasssssssssssss-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/10\/ahagasssssssssssss.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":"Bu g\u00fcn \u201cMu\u011fan Bank\u201d ASC l\u0259\u011fv edilib. S\u0259b\u0259b olaraq m\u0259cmu kapital\u0131n\u0131n miqdar\u0131n\u0131n banklar \u00fc\u00e7\u00fcn m\u00fc\u0259yy\u0259n edilmi\u015f minimum miqdar\u0131ndan az oldu\u011fu bildirilir. Y\u0259ni m\u0259cmu kapital\u0131n\u0131n adekvatl\u0131q \u0259msal\u0131n\u0131n \u00fc\u00e7 faizd\u0259n az olmas\u0131, cari f\u0259aliyy\u0259tini etibarl\u0131 v\u0259 prudensial qaydada h\u0259yata ke\u00e7irm\u0259diyi, daxili idar\u0259etm\u0259 v\u0259 n\u0259zar\u0259t prosedurlar\u0131n\u0131n adekvat olmad\u0131\u011f\u0131 bank\u0131n ba\u011flanmas\u0131na s\u0259b\u0259b olaraq g\u00f6st\u0259rilib. M\u00f6vzu il\u0259 ba\u011fl\u0131\u00a0Oxu.Az-a a\u00e7\u0131qlama ver\u0259n…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/647553"}],"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=647553"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/647553\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/647557"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=647553"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=647553"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=647553"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}