\u201cO vaxt Milli M\u0259clisd\u0259 inflyasiyan\u0131n s\u0259viyy\u0259si v\u0259 bank faiz d\u0259r\u0259c\u0259l\u0259ri \u0259traf\u0131nda ba\u015f ver\u0259n h\u0259min diskussiya m\u0259tbuatda geni\u015f m\u00fczakir\u0259 obyektin\u0259 \u00e7evrildi.\u00a0Tam s\u0259mimiyy\u0259tl\u0259 bildiririk ki, Milli M\u0259clisd\u0259ki h\u0259min diskussiyadan sonra ba\u015f bankirin m\u0259tbuatda o c\u00fcr geni\u015f t\u0259nqid h\u0259d\u0259fin\u0259 \u00e7evrilm\u0259sini ist\u0259m\u0259zdik\u201d.<\/p>\n
Bu s\u00f6zl\u0259ri Az\u0259rbaycanda bank sisteminin v\u0259ziyy\u0259ti, ba\u011flanan banklar, faiz d\u0259r\u0259c\u0259l\u0259ri v\u0259 dig\u0259r m\u0259s\u0259l\u0259l\u0259rl\u0259 ba\u011fl\u0131 Milli M\u0259clisin \u0130qtisadi siyas\u0259t, s\u0259naye v\u0259 sahibkarl\u0131q komit\u0259sinin s\u0259dr m\u00fcavini, deputat \u018fli M\u0259simli \u201cQafqazinfo\u201dnun suallar\u0131n\u0131 cavabland\u0131rark\u0259n deyib.<\/p>\n
H\u0259min m\u00fcsahib\u0259ni t\u0259qdim edirik:<\/p>\n
– Bir il \u0259rzind\u0259 \u00f6lk\u0259d\u0259 2 bank ba\u011fland\u0131. B\u00fct\u00fcn bunlar\u0131n fonunda Az\u0259rbaycanda bank sistemi n\u0259 q\u0259d\u0259r z\u0259man\u0259tlidir?<\/strong><\/p>\n – Bu ilin may\u0131n 17-d\u0259 \u201cG\u00fcnay Bank\u201d l\u0259\u011fv edildikd\u0259n be\u015f ay sonra 19 oktyabrda \u201cMu\u011fan Bank\u201d\u0131n da l\u0259\u011fv edilm\u0259si m\u00fczakir\u0259l\u0259r yarad\u0131b. Bu, t\u0259biidir. \u00c7\u00fcnki bank ba\u011flananda h\u0259lli qanunvericilikl\u0259 m\u00fc\u0259yy\u0259n olunmu\u015f \u015f\u0259kild\u0259 m\u00fcmk\u00fcn v\u0259 asan olan m\u0259s\u0259l\u0259l\u0259rl\u0259 yana\u015f\u0131, xeyli problem d\u0259 yaran\u0131r. M\u0259rk\u0259zi Bank bildirib ki,\u00a0\u201cMu\u011fan Bank\u201d\u00a0ASC-nin \u00f6lk\u0259nin bank sisteminin aktivl\u0259rind\u0259 x\u00fcsusi \u00e7\u0259kisi 1,4%, kredit portfelind\u0259 2%, sektorun \u00f6hd\u0259likl\u0259rind\u0259 is\u0259 c\u0259mi 1,3% t\u0259\u015fkil edir. \u201cMu\u011fan Bank\u201d\u0131n lisenziyas\u0131n\u0131n l\u0259\u011fvi bank sektorunda maliyy\u0259 dayan\u0131ql\u0131\u011f\u0131 v\u0259 maliyy\u0259 sabitliyin\u0259 he\u00e7 bir t\u0259hdid yaratm\u0131r.<\/p>\n Fikrimc\u0259, M\u0259rk\u0259zi Bank\u0131n a\u00e7\u0131qlamas\u0131n\u0131n bu hiss\u0259sinin real t\u0259r\u0259fi il\u0259 yana\u015f\u0131, reall\u0131\u011fa uy\u011fun g\u0259lm\u0259y\u0259n n\u00fcanslar\u0131 da var… Z\u0259if banklar\u0131n m\u00fcflisl\u0259\u015fm\u0259sin\u0259 g\u0259tirib \u00e7\u0131xaran s\u0259b\u0259bl\u0259r tam ayd\u0131nla\u015fd\u0131r\u0131lm\u0131r. \u015e\u0259ffafl\u0131q v\u0259 sair bu kimi dig\u0259r m\u0259s\u0259l\u0259l\u0259rd\u0259 d\u0259 \u00e7at\u0131\u015fmazl\u0131qlar olur. Bel\u0259 ki, v\u0259t\u0259nda\u015flar\u0131n bankda olan qorunan \u0259man\u0259tl\u0259ri \u00f6d\u0259nilir v\u0259 onunla ba\u011fl\u0131 x\u0259rcl\u0259r d\u0259 qar\u015f\u0131lan\u0131r. Sonra bankdan kartlarla \u0259m\u0259khaqq\u0131 alan v\u0259t\u0259nda\u015flar\u0131n v\u0259saitl\u0259ri, bank\u0131n kredit t\u0259\u015fkilatlar\u0131 v\u0259 dig\u0259r qurumlar qar\u015f\u0131s\u0131nda \u00f6hd\u0259likl\u0259ri icra edilir. Amma bel\u0259 banklar\u0131n dig\u0259r \u00f6hd\u0259likl\u0259rinin qar\u015f\u0131lanmas\u0131nda m\u00fcxt\u0259lif d\u0259r\u0259c\u0259li probleml\u0259r ola bilir. X\u00fcsus\u0259n d\u0259 h\u00fcquqi \u015f\u0259xsl\u0259rin bankdak\u0131 v\u0259saitl\u0259ri, o c\u00fcml\u0259d\u0259n s\u0131\u011forta olunmayan \u0259man\u0259tl\u0259rin taleyi problemli olaraq a\u00e7\u0131q qal\u0131r. Bu da biznes sah\u0259sin\u0259, h\u0259cmind\u0259n as\u0131l\u0131 olaraq m\u00fc\u0259yy\u0259n d\u0259r\u0259c\u0259d\u0259 iqtisadiyyata da ziyan vurur. Bel\u0259likl\u0259, ki\u00e7ik banklar\u0131n l\u0259\u011fvi bank sektorunun maliyy\u0259 dayan\u0131ql\u0131\u011f\u0131 v\u0259 maliyy\u0259 sabitliyin\u0259 el\u0259 bir t\u0259hdid yaratmasa da, bu sektordak\u0131 m\u00fchitin sa\u011flaml\u0131\u011f\u0131na v\u0259 dem\u0259li\u00a0h\u0259m d\u0259 banklara olan g\u00fcv\u0259n\u0259 d\u0259 m\u0259nfi t\u0259sir g\u00f6st\u0259rir. N\u0259tic\u0259d\u0259 maraqlar\u0131n konflikti ba\u015f verir. Bununla yana\u015f\u0131, ki\u00e7ik banklara m\u00fcnasib\u0259td\u0259 M\u0259rk\u0259zi Bank bu problemin h\u0259llinin optimal variantlar\u0131n\u0131n tap\u0131lmas\u0131na s\u0259y g\u00f6st\u0259rm\u0259lidir ki, banklarda v\u0259saiti olan v\u0259t\u0259nda\u015flar v\u0259 biznes strukturlar\u0131 l\u0259\u011fv edil\u0259n banklarla ba\u011fl\u0131 ciddi probleml\u0259r ya\u015famas\u0131nlar.<\/p>\n S\u00f6z\u00fcged\u0259n m\u0259s\u0259l\u0259l\u0259r\u0259 m\u00fcnasib\u0259td\u0259 \u0259vv\u0259lc\u0259 bank sistemind\u0259 ged\u0259n prosesl\u0259rin he\u00e7 d\u0259 ham\u0131s\u0131n\u0131n M\u0259rk\u0259zi Bankdan as\u0131l\u0131 olmamas\u0131 fakt\u0131n\u0131 x\u00fcsusi vur\u011fulamaq laz\u0131md\u0131r. Bununla bel\u0259 h\u0259m d\u0259 onu da qeyd etm\u0259k laz\u0131md\u0131r ki, \u00f6d\u0259ni\u015f sisteml\u0259rinin sabit, t\u0259hl\u00fck\u0259siz v\u0259 effektiv f\u0259aliyy\u0259tinin t\u0259min edilm\u0259si, inki\u015faf\u0131na d\u0259st\u0259k verilm\u0259si; maliyy\u0259 bazarlar\u0131nda istehlak\u00e7\u0131lar\u0131n v\u0259 investorlar\u0131n h\u00fcquqlar\u0131n\u0131n qorunmas\u0131 \u00fc\u00e7\u00fcn t\u0259dbirl\u0259rin g\u00f6r\u00fclm\u0259si v\u0259 maliyy\u0259 bazarlar\u0131 sah\u0259sind\u0259 maarifl\u0259ndirm\u0259 i\u015fl\u0259rinin apar\u0131lmas\u0131; \u0259man\u0259tl\u0259rin s\u0131\u011fortalanmas\u0131 sah\u0259sind\u0259 n\u0259zar\u0259t sisteminin f\u0259aliyy\u0259tinin t\u0259min edilm\u0259si M\u0259rk\u0259zi Bank\u0131n \u0259sas f\u0259aliyy\u0259t istiqam\u0259tl\u0259rind\u0259 x\u00fcsusi yer tutur. Banklar \u0259traf\u0131nda ged\u0259n v\u0259 formala\u015fan fikirl\u0259r g\u00f6st\u0259rir ki, M\u0259rk\u0259zi Bank bu sistemin t\u0259nziml\u0259yicisi kimi onun \u00fcz\u0259rin\u0259 d\u00fc\u015f\u0259n v\u0259zif\u0259l\u0259ri ya\u015fama\u011fa ba\u015flad\u0131\u011f\u0131m\u0131z yeni m\u0259rh\u0259l\u0259nin t\u0259l\u0259bl\u0259ri bax\u0131m\u0131ndan he\u00e7 d\u0259 h\u0259mi\u015f\u0259 yet\u0259rinc\u0259 yerin\u0259 yetir\u0259 bilmir. M\u0259rk\u0259zi Bank\u0131n f\u0259aliyy\u0259tind\u0259ki m\u00fcsb\u0259t y\u00fckl\u00fc m\u0259qamlarla yana\u015f\u0131, h\u0259m d\u0259 r\u0259qab\u0259tin qar\u015f\u0131s\u0131n\u0131 alan v\u0259 bank sektoruna s\u00fcni giri\u015f mane\u0259l\u0259ri yaradan siyas\u0259ti bank sisteminin sa\u011flamla\u015fmas\u0131na v\u0259 r\u0259qab\u0259tli olmas\u0131na ciddi \u015f\u0259kild\u0259 mane olur. Bank sektorundak\u0131 probleml\u0259rin xeyli hiss\u0259si m\u0259hz bu sistemin monopol xarakterli mahiyy\u0259tind\u0259n qaynaqlan\u0131r. Ona g\u00f6r\u0259 d\u0259 Az\u0259rbaycanda bank sisteminin s\u00f6z\u00fcn \u0259sl m\u0259nas\u0131nda uzunm\u00fcdd\u0259tli, davaml\u0131 v\u0259 dayan\u0131ql\u0131 qarantl\u0131l\u0131\u011f\u0131 m\u0259s\u0259l\u0259si xeyli d\u0259r\u0259c\u0259d\u0259 h\u0259min problemin u\u011furlu h\u0259ll d\u0259r\u0259c\u0259sind\u0259n as\u0131l\u0131 olacaq. Bununla bel\u0259 m\u0259s\u0259l\u0259y\u0259 \u00f6lk\u0259mizin \u0259sas banklar\u0131n\u0131n mahiyy\u0259ti, imkanlar\u0131 v\u0259 \u015f\u0259raitind\u0259n \u00e7\u0131x\u0131\u015f etm\u0259kl\u0259 yana\u015fd\u0131qda, bizd\u0259 bazar\u0131n \u00e7ox b\u00f6y\u00fck hiss\u0259sin\u0259 malik olan banklar\u0131n timsal\u0131nda bank sistemi h\u0259l\u0259lik qarantl\u0131, orta banklar\u0131n timsal\u0131nda nisb\u0259t\u0259n qarantl\u0131, ki\u00e7ik banklar\u0131n bir hiss\u0259si is\u0259 problemlidir.<\/p>\n – B\u0259li, do\u011frudan da, banklar\u0131n yay\u0131mlad\u0131\u011f\u0131 hesabatlara istinad ets\u0259k, g\u00f6r\u0259rik ki, \u00f6lk\u0259d\u0259 m\u0259cmu kapital\u0131na g\u00f6r\u0259 v\u0259ziyy\u0259ti \u201cMu\u011fan Bank\u201ddan da pis olan banklar var. Yax\u0131n vaxtlarda dig\u0259r banklar\u0131n ba\u011flanmas\u0131 ehtimal\u0131 n\u0259 q\u0259d\u0259rdir?<\/strong><\/p>\n – Bu sual\u0131n cavab\u0131 xeyli d\u0259r\u0259c\u0259d\u0259 M\u0259rk\u0259zi Bank\u0131n ki\u00e7ik banklara m\u00fcnasib\u0259tinin d\u0259yi\u015fib-d\u0259yi\u015fm\u0259y\u0259c\u0259yind\u0259n as\u0131l\u0131 olacaq. \u018fg\u0259r z\u0259if banklar\u0131n l\u0259\u011fv edilm\u0259si variant\u0131na \u00fcst\u00fcnl\u00fck verilm\u0259si siyas\u0259ti davam etdiril\u0259c\u0259ks\u0259, onda \u201cMu\u011fan Bank\u201d sonuncu ba\u011flanan bank olmayacaq. Amma sizin sual\u0131n\u0131zda deyildiyi kimi, yax\u0131n vaxtlarda dig\u0259r banklar\u0131n da ba\u011flanmas\u0131 yox, bir m\u00fcdd\u0259t ke\u00e7\u0259nd\u0259n sonra bir ne\u00e7\u0259 bank\u0131n ba\u011flanmas\u0131 ehtimal\u0131ndan dan\u0131\u015fmaq olar. Ona g\u00f6r\u0259 ehtimal\u0131 deyirik ki, kriteriyalara cavab verm\u0259y\u0259n banklar\u0131n taleyinin onlar\u0131n l\u0259\u011fv edilm\u0259si il\u0259 sonuclanaca\u011f\u0131n\u0131 v\u0259 birm\u0259nal\u0131 \u015f\u0259kild\u0259 t\u0259sdiq v\u0259 ya inkar etm\u0259k, el\u0259c\u0259 d\u0259 zaman k\u0259sikl\u0259rini m\u00fc\u0259yy\u0259nl\u0259\u015fdirm\u0259k \u00e7\u0259tindir. \u00c7\u00fcnki bu suala d\u0259qiq cavab verm\u0259kd\u0259n \u00f6tr\u00fc, ba\u015fqa bir sual\u0131n d\u0259qiq cavab\u0131na ehtiyac var: Bank l\u0259\u011fv edil\u0259nd\u0259 onun m\u0259cmu kapital\u0131n\u0131n miqdar\u0131n\u0131n banklar \u00fc\u00e7\u00fcn m\u00fc\u0259yy\u0259n edilmi\u015f minimum miqdar\u0131ndan az oldu\u011funa v\u0259 sair bayaq sadalad\u0131\u011f\u0131m\u0131z s\u0259b\u0259bl\u0259r\u0259 g\u00f6r\u0259 ba\u011flan\u0131r, yoxsa ba\u015fqa s\u0259b\u0259bl\u0259r d\u0259 n\u0259z\u0259r\u0259 al\u0131n\u0131r? Amma monopoliya aradan qald\u0131r\u0131lsa, problemli banklar\u0131n da adekvat bazar pay\u0131 olsa v\u0259 dig\u0259r istiqam\u0259tl\u0259rd\u0259 d\u0259 laz\u0131m\u0131 \u015f\u0259rait yarad\u0131lsa, m\u00f6vcud banklar\u0131n xeyli hiss\u0259si normal f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259 bil\u0259rl\u0259r.<\/p>\n – M\u0259rk\u0259zi Bank\u0131n s\u0259drinin bildirdiyin\u0259 g\u00f6r\u0259, Az\u0259rbaycanda bank faizl\u0259ri qon\u015fu \u00f6lk\u0259l\u0259rd\u0259n \u00e7ox a\u015fa\u011f\u0131d\u0131r. Buna fikriniz nec\u0259dir?<\/strong><\/p>\n – B\u0259li, yad\u0131mdad\u0131r…Milli M\u0259clisin bu ilin yay\u0131nda ke\u00e7iril\u0259n iclaslar\u0131nda \u201cM\u0259rk\u0259zi Bank haqq\u0131nda\u201d qanuna d\u0259yi\u015fiklikl\u0259r m\u00fczakir\u0259 olunark\u0259n Az\u0259rbaycanda inflyasiyan\u0131n s\u0259viyy\u0259si v\u0259 faiz d\u0259r\u0259c\u0259l\u0259ri \u0259traf\u0131nda diskussiya olmu\u015fdu. Biz demi\u015fdik ki, Az\u0259rbaycanda idxal inflyasiyas\u0131ndan \u0259lav\u0259, h\u0259m d\u0259 m\u0259mur biznesind\u0259n qaynaqlanan monopoliya ucbat\u0131ndan, inflyasiya qlobal inflyasiyan\u0131n orta g\u00f6st\u0259ricisind\u0259n y\u00fcks\u0259kdir. Eyni zamanda, uzun ill\u0259rdir ki, Az\u0259rbaycanda bank faizl\u0259ri ikir\u0259q\u0259mli s\u0259viyy\u0259d\u0259 oldu\u011fundan, biz d\u0259f\u0259l\u0259rl\u0259 dediyimizi yen\u0259 d\u0259 t\u0259krar etmi\u015fdik ki, bizd\u0259 t\u0259tbiq edil\u0259n bank faizl\u0259ri soy\u011fun\u00e7u xarakter da\u015f\u0131y\u0131r. Milli M\u0259clisd\u0259ki h\u0259min m\u00fczakir\u0259l\u0259r zaman\u0131 M\u0259rk\u0259zi Bank\u0131n s\u0259dri \u00f6lk\u0259mizd\u0259 inflyasiyan\u0131n y\u00fcks\u0259k oldu\u011funu inkar etm\u0259kl\u0259 yana\u015f\u0131, h\u0259m d\u0259 bildirmi\u015fdi ki, Az\u0259rbaycanda bank kreditl\u0259ri faizinin 20-25 faiz olmas\u0131n\u0131 g\u00f6rm\u0259yib.<\/p>\n O vaxt Milli M\u0259clisd\u0259 inflyasiyan\u0131n s\u0259viyy\u0259si v\u0259 bank faiz d\u0259r\u0259c\u0259l\u0259ri \u0259traf\u0131nda ba\u015f ver\u0259n h\u0259min diskussiya m\u0259tbuatda geni\u015f m\u00fczakir\u0259 obyektin\u0259 \u00e7evrildi.\u00a0Tam s\u0259mimiyy\u0259tl\u0259 bildiririk ki, Milli M\u0259clisd\u0259ki h\u0259min diskussiyadan sonra ba\u015f bankirin m\u0259tbuatda o c\u00fcr geni\u015f t\u0259nqid h\u0259d\u0259fin\u0259 \u00e7evrilm\u0259sini ist\u0259m\u0259zdik.\u00a0Amma Taleh Kaz\u0131mov M\u0259rk\u0259zi Bank\u0131n s\u0259dri olmazdan \u00f6nc\u0259 18 il maliyy\u0259 sektorunda \u00e7al\u0131\u015f\u0131b, o c\u00fcml\u0259d\u0259n 7 il Az\u0259rbaycan\u0131n \u0259n b\u00f6y\u00fck banklar\u0131ndan birinin r\u0259hb\u0259ri olub. Ola bilm\u0259z ki, Az\u0259rbaycanda bank kreditl\u0259ri faiz d\u0259r\u0259c\u0259l\u0259rinin y\u00fcks\u0259k olmas\u0131, kreditl\u0259rin bir qisminin 20-25 faiz\u0259 v\u0259 ondan da y\u00fcks\u0259k faiz\u0259 verilm\u0259sind\u0259n, el\u0259c\u0259 d\u0259 bir s\u0131ra banklarda m\u00f6vcud olan \u0259yinti ucbat\u0131ndan kredit alma\u011fa nail olanlara h\u0259min pulun r\u0259smi faizi il\u0259 yana\u015f\u0131, \u0259lav\u0259 ne\u00e7\u0259y\u0259 ba\u015fa g\u0259ldiyind\u0259n x\u0259b\u0259ri olmas\u0131n. Az\u0259rbaycanda inflyasiyan\u0131n da, bank faiz d\u0259r\u0259c\u0259l\u0259rinin d\u0259 r\u0259smi g\u00f6st\u0259ricil\u0259rd\u0259n y\u00fcks\u0259k oldu\u011fu c\u0259miyy\u0259tin \u0259ks\u0259riyy\u0259tin\u0259 m\u0259lum olan m\u0259s\u0259l\u0259dir. Bel\u0259 a\u00e7\u0131q-ayd\u0131n m\u0259lum olan m\u0259s\u0259l\u0259l\u0259rin inkar edilm\u0259si v\u0259 ya ciddi-c\u0259hdl\u0259 t\u0259rsin\u0259 yozulmas\u0131 c\u0259miyy\u0259td\u0259 adekvat d\u0259r\u0259c\u0259d\u0259 \u00e7ox ciddi q\u0131c\u0131q yarad\u0131r. Bununla bel\u0259 onu da dem\u0259k laz\u0131md\u0131r ki, r\u0259smi r\u0259q\u0259ml\u0259r son vaxtlar Az\u0259rbaycanda bank faizl\u0259rinin bir q\u0259d\u0259r a\u015fa\u011f\u0131 d\u00fc\u015fd\u00fcy\u00fcn\u00fc g\u00f6st\u0259rir. M\u0259s\u0259l\u0259n, M\u0259rk\u0259zi Bank\u0131n ayl\u0131q statistik b\u00fclleteni g\u00f6st\u0259rir ki, bu ilin ilk be\u015f ay\u0131n\u0131n n\u0259tic\u0259l\u0259rin\u0259 g\u00f6r\u0259, M\u0259rk\u0259zi Bank\u0131n s\u0259drinin dediyi kimi, \u00f6lk\u0259d\u0259 fiziki \u015f\u0259xsl\u0259r \u00fc\u00e7\u00fcn orta kredit faizi 16,1% olub. Ancaq bu, r\u0259smi statistikad\u0131r v\u0259 h\u0259min g\u00f6st\u0259rici, kreditin m\u0259bl\u0259\u011f v\u0259 formas\u0131ndan as\u0131l\u0131 olmayaraq \u00f6lk\u0259d\u0259ki fiziki \u015f\u0259xsl\u0259rin \u0259ld\u0259 etdikl\u0259ri b\u00fct\u00fcn n\u00f6v kreditl\u0259rin orta faiz d\u0259r\u0259c\u0259sini \u0259ks etdirir. \u00d6lk\u0259nin apar\u0131c\u0131 kredit kart m\u0259hsullar\u0131na sahib olan iri banklarda kredit kartlar\u0131nda illik faiz d\u0259r\u0259c\u0259si 20-25%, b\u0259z\u0259n ondan da y\u00fcks\u0259kdir. Fiziki \u015f\u0259xsl\u0259r\u0259 veril\u0259n kreditl\u0259rin orta faiz d\u0259r\u0259c\u0259sinin 16,1%-\u0259 b\u0259rab\u0259r olmas\u0131, faizl\u0259rin hesablanmas\u0131 metodologiyas\u0131nda ipoteka v\u0259 dig\u0259r b\u00f6y\u00fck m\u0259bl\u0259\u011fli kreditl\u0259rin d\u0259 bu g\u00f6st\u0259ricinin hesablanmas\u0131nda istifad\u0259 edilm\u0259si, g\u00fcz\u0259\u015ftli kreditl\u0259rin faizl\u0259rind\u0259n istifad\u0259 edilm\u0259si v\u0259 sair bu kimi amill\u0259rin t\u0259siri il\u0259 ba\u011fl\u0131d\u0131r. H\u0259min kredit m\u0259hsullar\u0131nda faiz d\u0259r\u0259c\u0259l\u0259ri daha a\u015fa\u011f\u0131 oldu\u011fu \u00fc\u00e7\u00fcn, fiziki \u015f\u0259xsl\u0259r \u00fczr\u0259 orta faizin d\u0259 a\u015fa\u011f\u0131 olmas\u0131na t\u0259sir edir. Bu bax\u0131mdan, 16,1% g\u00f6st\u0259ricisi istehlak kreditl\u0259ri il\u0259 ba\u011fl\u0131 real orta faiz g\u00f6st\u0259ricisini \u0259ks etdirmir.<\/p>\n – Bank sistemind\u0259 hans\u0131 islahatlar\u0131 daha vacib hesab edirsiniz? T\u0259klifl\u0259riniz n\u0259dir?<\/strong><\/p>\n – \u00d6lk\u0259nin sosial-iqtisadi t\u0259r\u0259qqisinin dayan\u0131ql\u0131l\u0131\u011f\u0131 v\u0259 davaml\u0131l\u0131\u011f\u0131 m\u0259s\u0259l\u0259l\u0259rinin h\u0259llind\u0259 \u0259n m\u00fch\u00fcm strateji v\u0259zif\u0259l\u0259rd\u0259n biri\u00a0iqtisadi sektorlarda idar\u0259etm\u0259nin s\u0259m\u0259r\u0259liliyinin m\u00fch\u00fcm g\u00f6st\u0259ricisi kimi, r\u0259qab\u0259tqabiliyy\u0259tli v\u0259 s\u0259m\u0259r\u0259li f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n sa\u011flam bank sisteminin yarad\u0131lmas\u0131d\u0131r. Haz\u0131rda Az\u0259rbaycanda formala\u015fm\u0131\u015f bank sektoru daha \u00e7ox neft bumu d\u00f6vr\u00fcn\u00fcn n\u0259tic\u0259sidir, monopoliya \u0259sas\u0131nda formala\u015f\u0131b v\u0259 neft g\u0259lirl\u0259ri azald\u0131qca probleml\u0259ri d\u0259 artacaq. Ona g\u00f6r\u0259 d\u0259 bir s\u0131ra c\u0259h\u0259tl\u0259rin\u0259 g\u00f6r\u0259 art\u0131q ya\u015fama\u011fa ba\u015flad\u0131\u011f\u0131m\u0131z yeni m\u0259rh\u0259l\u0259nin m\u0259ntiq, t\u0259l\u0259b v\u0259 \u00e7a\u011f\u0131r\u0131\u015flar\u0131na laz\u0131m\u0131 s\u0259viyy\u0259d\u0259 cavab vermir. \u201cAz\u0259rbaycan Respublikas\u0131n\u0131n 2022-2026-c\u0131 ill\u0259rd\u0259 sosial-iqtisadi inki\u015faf Strategiyas\u0131\u201dnda n\u0259z\u0259rd\u0259 tutulan t\u0259dbirl\u0259r bank sistemind\u0259 m\u00f6vcud olan probleml\u0259rin h\u0259lli \u00fc\u00e7\u00fcn yet\u0259rli deyil. Ona g\u00f6r\u0259 d\u0259\u00a0\u201cAz\u0259rbaycan Respublikas\u0131n\u0131n 2024-2030-cu ill\u0259r \u00fczr\u0259 maliyy\u0259-bank sisteminin modernl\u0259\u015fm\u0259si strategiyas\u0131\u201d v\u0259 bu strategiyan\u0131n h\u0259yata ke\u00e7irilm\u0259si \u00fczr\u0259 proqram haz\u0131rlan\u0131b h\u0259yata ke\u00e7irilm\u0259sini vacib hesab edirik. M\u0259rk\u0259zi Bank\u0131n m\u0259lumatlar\u0131na g\u00f6r\u0259, bu ilin sentyabr\u0131na iqtisadiyyata kredit qoyulu\u015fu 23 milyard manatdan \u00e7ox olub. Bu, 2023-c\u00fc ilin d\u00f6vl\u0259t b\u00fcdc\u0259sind\u0259 iqtisadiyyata qoyulmas\u0131 n\u0259z\u0259rd\u0259 tutulan investisiya x\u0259rcl\u0259rind\u0259n 8,7 d\u0259f\u0259 \u00e7oxdur. Amma bizd\u0259 bank sisteminin istehsal sektoru il\u0259 \u0259laq\u0259si \u00e7ox z\u0259ifdir. S\u00f6z\u00fcged\u0259n h\u0259min 23 milyard manatdan \u00e7ox kreditin c\u0259mi 5%-\u0259 yax\u0131n\u0131 s\u0259naye v\u0259 istehsal sektoruna, 2,3%-i is\u0259 k\u0259nd t\u0259s\u0259rr\u00fcfat\u0131na y\u00f6n\u0259ldilib. Bu r\u0259q\u0259ml\u0259r a\u00e7\u0131qca g\u00f6st\u0259rir ki, Az\u0259rbaycanda bank sistemi il\u0259 istehsal sah\u0259l\u0259ri aras\u0131nda u\u00e7urum yaran\u0131b. Bank sektoru pul-kredit mexanizmi vasit\u0259sil\u0259 investisiya f\u0259all\u0131\u011f\u0131n\u0131n, m\u0259\u015f\u011fullu\u011fun artmas\u0131nda, iqtisadi art\u0131m\u0131n s\u00fcr\u0259tl\u0259nm\u0259sind\u0259 generator rolunu oynamaq \u0259v\u0259zin\u0259, h\u0259min istiqam\u0259tl\u0259rd\u0259 \u0259lav\u0259 probleml\u0259r yarad\u0131r. Bu y\u00f6nd\u0259 probleml\u0259rin k\u0259skinl\u0259\u015fm\u0259si dig\u0259r f\u0259sadlara yol a\u00e7mas\u0131 il\u0259 yana\u015f\u0131, h\u0259m d\u0259 son n\u0259tic\u0259d\u0259 banklar\u0131n lisenziyalar\u0131n\u0131n l\u0259\u011fv olunmas\u0131na da g\u0259tirib \u00e7\u0131xar\u0131r.<\/p>\n Bu bax\u0131mdan Az\u0259rbaycan\u0131n bank sistemini m\u00fcasir t\u0259l\u0259bl\u0259r s\u0259viyy\u0259sind\u0259 sa\u011flamla\u015fd\u0131rmaq v\u0259 r\u0259qab\u0259t qabiliyy\u0259tli etm\u0259kd\u0259n \u00f6tr\u00fc, bu sektorda ya\u015fama\u011fa ba\u015flad\u0131\u011f\u0131m\u0131z yeni m\u0259rh\u0259l\u0259nin \u00e7a\u011f\u0131r\u0131\u015flar\u0131na cavab ver\u0259n \u0259sasl\u0131 islahatlar h\u0259yata ke\u00e7irilm\u0259lidir. Bu y\u00f6nd\u0259 h\u0259llinin s\u00fcr\u0259tl\u0259ndirilm\u0259si vacib olan m\u0259s\u0259l\u0259l\u0259r s\u0131ras\u0131nda M\u0259rk\u0259zi Bank\u0131n s\u0259lahiyy\u0259tl\u0259rinin art\u0131r\u0131lmas\u0131 il\u0259 yana\u015f\u0131, h\u0259m d\u0259 onun f\u0259aliyy\u0259tinin s\u0259m\u0259r\u0259lilyinin y\u00fcks\u0259ldilm\u0259si obyektiv t\u0259l\u0259bat xarakteri da\u015f\u0131y\u0131r. Bu ilin yay\u0131nda bank sah\u0259sind\u0259ki qanunlara edil\u0259n d\u0259yi\u015fiklikl\u0259r n\u0259tic\u0259sind\u0259 M\u0259rk\u0259zi Bank\u0131n s\u0259lahiyy\u0259tl\u0259ri xeyli art\u0131r\u0131ld\u0131. M\u0259rk\u0259zi Bank\u0131n \u0259sas mandat\u0131 qiym\u0259tl\u0259rin sabitliyin\u0259 nail olmaqd\u0131r. Onun bu v\u0259zif\u0259ni ne\u00e7\u0259 yerin\u0259 yetirdiyi g\u00f6z qaba\u011f\u0131ndad\u0131r… M\u0259rk\u0259zi Bank \u00f6z f\u0259aliyy\u0259tinin s\u0259m\u0259r\u0259liliyini art\u0131rmaqla m\u0259z\u0259nn\u0259 siyas\u0259tinin apar\u0131lmas\u0131 v\u0259 inflyasiyan\u0131n s\u0259ngidilm\u0259si il\u0259 yana\u015f\u0131, maliyy\u0259 sektorunda r\u0259qab\u0259t m\u00fchitinin formala\u015fmas\u0131na, t\u0259m\u0259rk\u00fczl\u0259\u015fm\u0259nin f\u0259sadlar\u0131n\u0131n minimuma endirilm\u0259sin\u0259, \u015f\u0259ffafl\u0131\u011fa, \u00f6lk\u0259d\u0259ki m\u0259\u015f\u011fulluq problemin\u0259 v\u0259 iqtisadi art\u0131ma da t\u0259sir g\u00f6st\u0259r\u0259 bilm\u0259lidir. \u0130slahatlar\u0131 d\u0259rinl\u0259\u015fdirm\u0259kl\u0259, o c\u00fcml\u0259d\u0259n institusional islahatlar, maliyy\u0259 bazar\u0131 infrastrukturunun m\u00fcasirl\u0259\u015fdirilm\u0259si, bank sektorunda r\u0259qab\u0259t v\u0259 kommersiya f\u0259aliyy\u0259ti azadl\u0131\u011f\u0131n\u0131 m\u0259hdudla\u015fd\u0131ran h\u0259r\u0259k\u0259tl\u0259rin qar\u015f\u0131s\u0131n\u0131n al\u0131nmas\u0131, b\u00fct\u00fcn banklar \u00fc\u00e7\u00fcn \u0259dal\u0259tli, r\u0259qab\u0259t qabiliyy\u0259tli m\u00fchitin formala\u015fd\u0131r\u0131lmas\u0131 v\u0259 inki\u015faf etdirilm\u0259si istiqam\u0259tind\u0259 sistemli t\u0259dbirl\u0259r h\u0259yata ke\u00e7irilm\u0259lidir. Banklar\u0131n iqtisadiyyat\u0131n real sektorunun istehsalla ba\u011fl\u0131 \u0259laq\u0259sinin g\u00fccl\u0259nm\u0259si v\u0259 real n\u0259tic\u0259liliyinin art\u0131r\u0131lmas\u0131 istiqam\u0259tind\u0259 sistemli v\u0259 davaml\u0131 t\u0259dbirl\u0259r h\u0259yat ke\u00e7irilm\u0259li, onun h\u00fcquqi mexanizml\u0259ri g\u00fccl\u0259ndirilm\u0259li v\u0259 bu i\u015fin m\u00fck\u0259mm\u0259l h\u00fcquqi bazas\u0131n\u0131n formala\u015fd\u0131r\u0131lmas\u0131 yolunda Bank M\u0259c\u0259ll\u0259sinin q\u0259bulu s\u00fcr\u0259tl\u0259ndirilm\u0259lidir. Beyn\u0259lxalq praktikadan m\u0259lumdur ki, banklar\u0131n qazanc \u0259ld\u0259 etm\u0259k \u00fcsullar\u0131 \u00e7ox\u015fax\u0259lidir, t\u0259klif etdikl\u0259ri m\u0259hsul v\u0259 xidm\u0259tl\u0259r \u00e7ox\u00e7e\u015fidlidir. Bizd\u0259 is\u0259 banklar m\u0259lum xidm\u0259tl\u0259rin \u00e7ox az hiss\u0259sini icra etdikl\u0259rin\u0259 g\u00f6r\u0259 g\u0259lirinin b\u00f6y\u00fck hiss\u0259si m\u0259hz kreditl\u0259\u015fdirm\u0259 say\u0259sind\u0259 formala\u015fd\u0131r\u0131r ki, bu da r\u0259qab\u0259tin z\u0259if, bazar h\u0259cminin is\u0259 m\u0259hdud oldu\u011fu haz\u0131rk\u0131 Az\u0259rbaycan reall\u0131qlar\u0131 \u015f\u0259raitind\u0259 banklar\u0131n bir hiss\u0259sinin ayaqda qalmas\u0131n\u0131 \u00e7\u0259tinl\u0259\u015fdirir v\u0259 h\u0259m d\u0259 getdikc\u0259 daha \u00e7ox d\u0259r\u0259c\u0259d\u0259 t\u0259hl\u00fck\u0259 qar\u015f\u0131s\u0131nda qoyur.<\/p>\n Ona g\u00f6r\u0259 d\u0259 bank xidm\u0259tl\u0259rin dair\u0259sinin v\u0259 \u00e7e\u015fidinin \u0259sasl\u0131 sur\u0259td\u0259 geni\u015fl\u0259nm\u0259sinin\u0259, bank xidm\u0259tl\u0259ri bazar\u0131n\u0131n son istehlak\u00e7\u0131ya geni\u015f \u00e7e\u015fidd\u0259 bank m\u0259hsullar\u0131n\u0131n t\u0259qdim edilm\u0259sin\u0259, onlar\u0131n \u0259hali \u00fc\u00e7\u00fcn c\u0259lbediciliyinin art\u0131r\u0131lmas\u0131na y\u00f6n\u0259lmi\u015f yeni seqmentl\u0259rinin inki\u015faf\u0131na y\u00f6n\u0259lik t\u0259dbirl\u0259r g\u00f6r\u00fclm\u0259lidir. Banklarla ba\u011fl\u0131 m\u0259s\u0259l\u0259l\u0259r m\u00fczakir\u0259 olunark\u0259n, \u0259n \u00e7ox halland\u0131r\u0131lan problem faiz d\u0259r\u0259c\u0259l\u0259ri il\u0259 ba\u011fl\u0131 m\u0259s\u0259l\u0259l\u0259rdir. Faiz d\u0259r\u0259c\u0259l\u0259rinin y\u00fcks\u0259k olmas\u0131 t\u0259kc\u0259 pul bazar\u0131 il\u0259 ba\u011fl\u0131 olan bir m\u0259s\u0259l\u0259 deyil. Faiz d\u0259r\u0259c\u0259sinin y\u00fcks\u0259k olmas\u0131nda normal r\u0259qab\u0259t m\u00fchitinin olmamas\u0131; risk d\u0259r\u0259c\u0259sinin y\u00fcks\u0259k olmas\u0131; depozitl\u0259rin faiz d\u0259r\u0259c\u0259sinin y\u00fcks\u0259k olmas\u0131; bir s\u0131ra banklar istisna olmaqla, bank sisteminin idar\u0259 olunmas\u0131nda probleml\u0259r; bank\u00e7\u0131l\u0131q sah\u0259sind\u0259 l\u00fczumsuz x\u0259rcl\u0259rin \u00e7oxlu\u011fu v\u0259 sair bu kimi amill\u0259r daha ciddi rol oynay\u0131r. Ona g\u00f6r\u0259 d\u0259 faiz d\u0259r\u0259c\u0259l\u0259rinin a\u015fa\u011f\u0131 sal\u0131nmas\u0131 \u00fc\u00e7\u00fcn z\u0259ruri olan islahatlar h\u0259yata ke\u00e7irilm\u0259lidir. \u0130slahatlar\u0131 s\u00fcr\u0259tl\u0259ndirm\u0259k, risk amill\u0259rini s\u0259ngitm\u0259k, m\u0259hk\u0259m\u0259 sistemind\u0259 islahatlar\u0131 d\u0259rinl\u0259\u015fdirm\u0259k v\u0259 sadalad\u0131\u011f\u0131m\u0131z dig\u0259r istiqam\u0259tl\u0259rd\u0259 m\u00fcsb\u0259t meyll\u0259r\u0259 nail olmaqla, bu sistem\u0259 inam\u0131 art\u0131rmaq v\u0259 sair vasit\u0259l\u0259rl\u0259 faiz d\u0259r\u0259c\u0259l\u0259rinin a\u015fa\u011f\u0131 sal\u0131nmas\u0131 sah\u0259sind\u0259 sistemli i\u015f apar\u0131lmal\u0131d\u0131r. Sahibkarlar\u0131n maliyy\u0259 resurslar\u0131na \u00e7\u0131x\u0131\u015f imkanlar\u0131n\u0131 d\u0259st\u0259kl\u0259y\u0259n al\u0259tl\u0259rin \u00e7e\u015fidinin artmas\u0131, \u00f6z\u0259l sektorun maliyy\u0259y\u0259 \u0259l\u00e7atanl\u0131\u011f\u0131n\u0131n geni\u015fl\u0259nm\u0259si istiqam\u0259tind\u0259 t\u0259sirli t\u0259dbirl\u0259r g\u00f6r\u00fclm\u0259lidir. \u00d6z\u00fcn\u00fcm\u0259\u015f\u011fulluq proqram\u0131na c\u0259lb olunmu\u015f \u015f\u0259xsl\u0259rin biznes planlar\u0131na uy\u011fun mal v\u0259 materiallar formas\u0131nda aktivl\u0259rl\u0259 t\u0259minat\u0131 il\u0259 yana\u015f\u0131, \u00f6z biznesini geni\u015fl\u0259ndir\u0259 bil\u0259nl\u0259rin kredit t\u0259minat\u0131 da bu yeni f\u0259aliyy\u0259t n\u00f6v\u00fcn\u00fcn davaml\u0131l\u0131\u011f\u0131n\u0131n v\u0259 n\u0259tic\u0259l\u0259rinin s\u0259m\u0259r\u0259liliyinin, el\u0259c\u0259 d\u0259 bu sah\u0259nin miqyaslar\u0131n\u0131n artmas\u0131nda m\u00fch\u00fcm rol oynaya bil\u0259r. Regionlarda veril\u0259n kreditl\u0259r\u0259 g\u00f6r\u0259 faiz d\u0259r\u0259c\u0259si Bak\u0131dak\u0131ndan xeyli y\u00fcks\u0259kdir.<\/p>\n Regionlarda istehsal sah\u0259l\u0259ri yaradanlara, yeni perspektivli i\u015f yerl\u0259ri a\u00e7anlara, k\u0259nd t\u0259s\u0259rr\u00fcfat\u0131 m\u0259hsullar\u0131 v\u0259 onun emal\u0131 il\u0259 m\u0259\u015f\u011ful olanlara a\u015fa\u011f\u0131 faizl\u0259 kreditl\u0259rin verilm\u0259si vacibdir. El\u0259c\u0259 d\u0259 aqrar sah\u0259 \u00fc\u00e7\u00fcn m\u0259qbul say\u0131la bil\u0259c\u0259k kredit\u0259 z\u0259man\u0259t mexanizminin yarad\u0131lmas\u0131 obyektiv t\u0259l\u0259bata \u00e7evrilib. Regionlara veril\u0259n kreditl\u0259r \u00fc\u00e7\u00fcn girov problemi optimal \u015f\u0259kild\u0259 h\u0259ll edilm\u0259lidir. \u0130slahatlar kontekstind\u0259n yana\u015fanda, \u00f6lk\u0259mizd\u0259ki bazar\u0131n parametrl\u0259rin\u0259 uy\u011fun sur\u0259td\u0259 banklar\u0131n say\u0131n\u0131n optimalla\u015fd\u0131r\u0131lmas\u0131, normal f\u0259aliyy\u0259t g\u00f6st\u0259rm\u0259y\u0259 qadir ki\u00e7ik, orta v\u0259 iri banklar\u0131n f\u0259aliyy\u0259tinin effektiv kombinasiyas\u0131na nail olmaq obyektiv t\u0259l\u0259bat xarakteri da\u015f\u0131y\u0131r. Bu kontekstd\u0259 erk\u0259n reaksiya sisteminin f\u0259aliyy\u0259tinin t\u0259min edilm\u0259si, kommersiya bank\u0131n\u0131n f\u0259aliyy\u0259tind\u0259ki probleml\u0259ri m\u00fcmk\u00fcn q\u0259d\u0259r erk\u0259n m\u0259rh\u0259l\u0259d\u0259 a\u015fkar etm\u0259y\u0259 y\u00f6n\u0259lmi\u015f bank f\u0259aliyy\u0259tinin t\u0259hlili \u00fc\u00e7\u00fcn effektiv mexanizmin yarad\u0131lmas\u0131 \u00f6lk\u0259nin maliyy\u0259 v\u0259 sosial sabitliyi, d\u00f6vl\u0259tin v\u0259 h\u0259r bir v\u0259t\u0259nda\u015f\u0131n maraqlar\u0131n\u0131n realla\u015fd\u0131r\u0131lmas\u0131 \u00fc\u00e7\u00fcn z\u0259ruridir. Amma g\u00f6r\u00fcn\u0259n odur ki, M\u0259rk\u0259zi Bank daha \u00e7ox z\u0259if banklar\u0131n l\u0259\u011fv edilm\u0259si variant\u0131na \u00fcst\u00fcnl\u00fck verir.<\/p>\n Bu i\u015fin beyn\u0259lxalq praktikaya s\u00f6yk\u0259n\u0259n perspektivli t\u0259r\u0259fl\u0259ri il\u0259 yana\u015f\u0131, onu h\u0259yata ke\u00e7irilm\u0259si yolunda qar\u015f\u0131lanan probleml\u0259rin f\u0259sadl\u0131 n\u0259tic\u0259l\u0259rini minimuma endirm\u0259kd\u0259n \u00f6tr\u00fc islahatlar\u0131n d\u0259rinl\u0259\u015fdirilm\u0259si kontekstind\u0259 bunu tamamil\u0259 \u00fcmidsiz banklar istisna olmaqla, qalanlar\u0131na m\u00fcnasib\u0259td\u0259 ki\u00e7ik banklar\u0131n birl\u0259\u015fdirilm\u0259sin\u0259 nail olub, sa\u011flamla\u015fd\u0131rma t\u0259dbirl\u0259ri h\u0259yata ke\u00e7irm\u0259k yolu il\u0259 d\u0259 etm\u0259k olar. Ona g\u00f6r\u0259 d\u0259 banklar\u0131n sa\u011flamla\u015fd\u0131r\u0131lmas\u0131 v\u0259 restrukturizasiyas\u0131 \u00fczr\u0259 effektiv al\u0259tl\u0259rin formala\u015fd\u0131r\u0131lmas\u0131, kredit t\u0259\u015fkilatlar\u0131n\u0131n birl\u0259\u015fm\u0259 v\u0259 ya qo\u015fulma prosedurlar\u0131n\u0131n sad\u0259l\u0259\u015fdirilm\u0259si istiqam\u0259tind\u0259 m\u0259qs\u0259dy\u00f6nl\u00fc i\u015f apar\u0131lmal\u0131d\u0131r. \u00c7\u00fcnki banklar\u0131n say\u0131n\u0131n azald\u0131lmas\u0131 vacib amil olsa da, bank sektorunda normal r\u0259qab\u0259t m\u00fchitinin, ham\u0131 \u00fc\u00e7\u00fcn b\u0259rab\u0259r \u015f\u0259raitin yarad\u0131lmas\u0131, bank sistemi il\u0259 istehsal sektorunun \u0259laq\u0259sinin g\u00fccl\u0259ndirilm\u0259si, kreditorlar\u0131n h\u00fcquqlar\u0131n\u0131n i\u015fl\u0259k m\u00fcdafi\u0259si mexanizml\u0259rinin yarad\u0131lmas\u0131, maliyy\u0259 savadl\u0131l\u0131\u011f\u0131n\u0131n s\u0259viyy\u0259sinin y\u00fcks\u0259ldilm\u0259si, \u015f\u0259ffafl\u0131\u011f\u0131n v\u0259 hesabatl\u0131l\u0131\u011f\u0131n t\u0259min edilm\u0259si v\u0259 sair bu kimi amill\u0259r say amilind\u0259n daha \u00f6n\u0259mlidir.<\/p>\n","protected":false},"excerpt":{"rendered":" \u201cO vaxt Milli M\u0259clisd\u0259 inflyasiyan\u0131n s\u0259viyy\u0259si v\u0259 bank faiz d\u0259r\u0259c\u0259l\u0259ri \u0259traf\u0131nda ba\u015f ver\u0259n h\u0259min diskussiya m\u0259tbuatda geni\u015f m\u00fczakir\u0259 obyektin\u0259 \u00e7evrildi.\u00a0Tam s\u0259mimiyy\u0259tl\u0259 bildiririk ki, Milli M\u0259clisd\u0259ki h\u0259min diskussiyadan sonra ba\u015f bankirin m\u0259tbuatda o c\u00fcr geni\u015f t\u0259nqid h\u0259d\u0259fin\u0259 \u00e7evrilm\u0259sini ist\u0259m\u0259zdik\u201d. Bu s\u00f6zl\u0259ri Az\u0259rbaycanda bank sisteminin v\u0259ziyy\u0259ti, ba\u011flanan banklar, faiz d\u0259r\u0259c\u0259l\u0259ri v\u0259 dig\u0259r m\u0259s\u0259l\u0259l\u0259rl\u0259 ba\u011fl\u0131 Milli M\u0259clisin \u0130qtisadi siyas\u0259t, s\u0259naye v\u0259 sahibkarl\u0131q komit\u0259sinin s\u0259dr m\u00fcavini, deputat \u018fli M\u0259simli \u201cQafqazinfo\u201dnun suallar\u0131n\u0131 cavabland\u0131rark\u0259n deyib. H\u0259min m\u00fcsahib\u0259ni t\u0259qdim edirik: – Bir il \u0259rzind\u0259 \u00f6lk\u0259d\u0259 2 bank ba\u011fland\u0131. B\u00fct\u00fcn bunlar\u0131n fonunda Az\u0259rbaycanda bank sistemi n\u0259 q\u0259d\u0259r z\u0259man\u0259tlidir?…<\/p>\n","protected":false},"author":2,"featured_media":651949,"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\/11\/1596616339_1592029874_untitled-2.jpg",620,413,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/11\/1596616339_1592029874_untitled-2.jpg",620,413,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/11\/1596616339_1592029874_untitled-2.jpg",620,413,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/11\/1596616339_1592029874_untitled-2-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/11\/1596616339_1592029874_untitled-2-548x365.jpg",548,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/11\/1596616339_1592029874_untitled-2.jpg",620,413,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/11\/1596616339_1592029874_untitled-2.jpg",620,413,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/11\/1596616339_1592029874_untitled-2.jpg",620,413,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/11\/1596616339_1592029874_untitled-2-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/11\/1596616339_1592029874_untitled-2.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":"\u201cO vaxt Milli M\u0259clisd\u0259 inflyasiyan\u0131n s\u0259viyy\u0259si v\u0259 bank faiz d\u0259r\u0259c\u0259l\u0259ri \u0259traf\u0131nda ba\u015f ver\u0259n h\u0259min diskussiya m\u0259tbuatda geni\u015f m\u00fczakir\u0259 obyektin\u0259 \u00e7evrildi.\u00a0Tam s\u0259mimiyy\u0259tl\u0259 bildiririk ki, Milli M\u0259clisd\u0259ki h\u0259min diskussiyadan sonra ba\u015f bankirin m\u0259tbuatda o c\u00fcr geni\u015f t\u0259nqid h\u0259d\u0259fin\u0259 \u00e7evrilm\u0259sini ist\u0259m\u0259zdik\u201d. Bu s\u00f6zl\u0259ri Az\u0259rbaycanda bank sisteminin v\u0259ziyy\u0259ti, ba\u011flanan banklar, faiz d\u0259r\u0259c\u0259l\u0259ri v\u0259 dig\u0259r m\u0259s\u0259l\u0259l\u0259rl\u0259 ba\u011fl\u0131 Milli M\u0259clisin \u0130qtisadi…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/651947"}],"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=651947"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/651947\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/651949"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=651947"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=651947"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=651947"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}