{"id":660041,"date":"2023-11-22T15:53:58","date_gmt":"2023-11-22T11:53:58","guid":{"rendered":"https:\/\/arantv.az\/?p=660041"},"modified":"2023-11-22T15:53:58","modified_gmt":"2023-11-22T11:53:58","slug":"tarifl%c9%99rd%c9%99-yeni-h%c9%99dl%c9%99r-q%c9%99bul-olunan-q%c9%99rar-ucuzlasmaya-s%c9%99b%c9%99b-olacaq","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=660041","title":{"rendered":"Tarifl\u0259rd\u0259 yeni h\u0259dl\u0259r &#8211; Q\u0259bul olunan q\u0259rar ucuzla\u015fmaya s\u0259b\u0259b olacaq?"},"content":{"rendered":"<p><strong>Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131 &#8220;interchange&#8221; tarifl\u0259rinin yuxar\u0131-orta h\u0259ddini m\u00fc\u0259yy\u0259n edib. Bu h\u0259dd orta hesabla 36 % azald\u0131l\u0131b. X\u00fcsusil\u0259 bu h\u0259dd h\u0259ssas xidm\u0259t n\u00f6vl\u0259ri olan \u0259rzaq ma\u011fazalar\u0131, aptekl\u0259r \u00fczr\u0259 q\u0259bul edil\u0259n \u00f6d\u0259ni\u015fl\u0259r \u00fczr\u0259 33 %, yanacaq doldurma m\u0259nt\u0259q\u0259l\u0259rind\u0259 55 %, dig\u0259r proqramlar \u00fczr\u0259 is\u0259 22 % azald\u0131l\u0131b. Bu azalma m\u0259hsullar\u0131n qiym\u0259tin\u0259 nec\u0259 t\u0259sir ed\u0259c\u0259k?<\/strong><\/p>\n<p>M\u0259s\u0259l\u0259 il\u0259 ba\u011fl\u0131\u00a0<strong>iqtisad\u00e7\u0131 ekspert R\u0259\u015fad H\u0259s\u0259nov\u00a0<a href=\"https:\/\/publika.az\/\" target=\"_blank\" rel=\"noopener\">Publika.az<\/a><\/strong>-a a\u00e7\u0131qlama verib.<\/p>\n<p>O bildirib ki, istiqam\u0259t \u00fczr\u0259 m\u00fc\u0259yy\u0259n t\u0259nziml\u0259m\u0259y\u0259 ehtiyac var idi:<\/p>\n<p>\u201c\u00c7\u00fcnki biz bank sektorunun m\u00f6vcud v\u0259ziyy\u0259tini, x\u00fcsusil\u0259 d\u0259 birba\u015fa benefisiarlar\u0131 n\u0259z\u0259r\u0259 alm\u0131\u015f olsaq, bu istiqam\u0259td\u0259 xidm\u0259tl\u0259r sah\u0259sind\u0259 ciddi t\u0259m\u0259rk\u00fczl\u0259\u015fm\u0259 m\u00fc\u015fahid\u0259 olunur. Eyni zamanda tarifl\u0259r d\u0259 kifay\u0259t q\u0259d\u0259r deyil, qeyri-s\u0259m\u0259r\u0259lidir. Bu tarifl\u0259r hans\u0131 ki, daha \u00e7ox banklar aras\u0131nda h\u0259r bir banka m\u0259xsus olan kartlardan, postterminallardan, dig\u0259r bank hesablar\u0131na k\u00f6\u00e7\u00fcrm\u0259l\u0259r zaman\u0131 v\u0259 s. bu kimi hallarda tutulan x\u0259rcl\u0259r yuxar\u0131 olurdu. Bu x\u0259rcl\u0259r d\u0259 m\u00fc\u0259yy\u0259n m\u0259nada h\u00f6kum\u0259tin eyni zamanda qeyd edil\u0259n istiqam\u0259tl\u0259rd\u0259 apard\u0131\u011f\u0131 a\u011fartma siyas\u0259tin\u0259 d\u0259 m\u0259nfi t\u0259sir g\u00f6st\u0259rir. \u00dcmumiyy\u0259tl\u0259, biznesin x\u0259rcl\u0259rini art\u0131r\u0131r. Bu artm\u0131\u015f x\u0259rcl\u0259r d\u0259 m\u00fc\u0259yy\u0259n m\u0259nada qeyd edil\u0259n istiqam\u0259td\u0259 \u0259ks m\u00fcqavim\u0259tin formala\u015fmas\u0131na v\u0259 na\u011fds\u0131z \u00f6d\u0259ni\u015f institutunun inki\u015faf\u0131nda m\u00fc\u0259yy\u0259n mane\u0259l\u0259rin ortaya \u00e7\u0131xmas\u0131na s\u0259b\u0259b olurdu\u201d.<\/p>\n<p><img loading=\"lazy\" src=\"https:\/\/publika.az\/storage\/2023\/11\/21\/1700458532_post-terminal.jpg\" alt=\"\" width=\"600\" height=\"400\" \/><\/p>\n<p><strong><em>Maraql\u0131d\u0131r, \u201cinterchange\u201d tarifl\u0259ri<\/em><em>\u00a0n\u0259dir?<\/em><\/strong><\/p>\n<p><em>Interchange \u2013 (ingilis dilind\u0259 \u201cm\u00fcbadil\u0259\u201d dem\u0259kdir) na\u011fds\u0131z \u00f6d\u0259ni\u015fl\u0259rd\u0259 banklar\u0131n bir-birin\u0259 \u00f6d\u0259diyi komissiyad\u0131r.<\/em><\/p>\n<p><em>\u00c7ox vaxt \u201cinterchange\u201d ma\u011fazada kartla al\u0131\u015f zaman\u0131 \u00f6d\u0259nilir. Al\u0131c\u0131 kartla \u00f6d\u0259ni\u015f edir, sat\u0131c\u0131 is\u0259 ekvayrinq \u00fc\u00e7\u00fcn banka faiz \u00f6d\u0259yir. \u201cInterchange\u201dd\u0259n \u0259ld\u0259 edil\u0259n v\u0259saiti banklar loyall\u0131q proqramlar\u0131n\u0131 inki\u015faf etdirm\u0259k \u00fc\u00e7\u00fcn istifad\u0259 edir, m\u0259s\u0259l\u0259n, m\u00fc\u015ft\u0259riy\u0259 ke\u015fb\u0259k qaytar\u0131r.<\/em><\/p>\n<p><em>B\u0259zi \u00f6lk\u0259l\u0259rd\u0259 \u201cinterchange\u201din m\u0259bl\u0259\u011fi qanunvericilik s\u0259viyy\u0259sind\u0259 t\u0259nziml\u0259nir: AB\u015e-da \u2013 \u0259m\u0259liyyat\u0131n 2% -i t\u0259\u015fkil edir, Avropada is\u0259 kart\u0131n debet v\u0259 ya kredit olmas\u0131ndan as\u0131l\u0131 olaraq \u2013 0.2-0.3% aras\u0131nda d\u0259yi\u015fir.<\/em><\/p>\n<p><strong><em>\u201cM\u0259rk\u0259zi Bank haqq\u0131nda\u201d Qanuna edilmi\u015f d\u0259yi\u015fiklikl\u0259rl\u0259 \u0259laq\u0259dar Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131na (AMB) b\u00fct\u00f6vl\u00fckd\u0259 \u00f6d\u0259ni\u015f sistemi i\u015ftirak\u00e7\u0131lar\u0131 aras\u0131nda t\u0259tbiq edil\u0259n xidm\u0259t haqq\u0131 tarifl\u0259rinin yuxar\u0131 h\u0259ddini m\u00fc\u0259yy\u0259n etm\u0259k h\u00fcququ verilib.<\/em><\/strong><\/p>\n<p><strong><em><img loading=\"lazy\" src=\"https:\/\/publika.az\/storage\/2023\/11\/21\/mrkzi-bank.jpg\" alt=\"\" width=\"611\" height=\"406\" \/><\/em><\/strong><\/p>\n<p>\u201cBu aspektd\u0259n n\u0259z\u0259r\u0259 alm\u0131\u015f olsaq, yuxar\u0131 h\u0259dl\u0259rinin m\u00fc\u0259yy\u0259n edilm\u0259si, \u201cinterchange\u201d tarifl\u0259ri \u00fczr\u0259 m\u00fcsb\u0259t add\u0131md\u0131r. M\u00fcvafiq tarifl\u0259rin a\u015fa\u011f\u0131 d\u00fc\u015fm\u0259sin\u0259 v\u0259 v\u0259t\u0259nda\u015flar\u0131n, eyni zamanda biznesin f\u0259rqli bank xidm\u0259tl\u0259rind\u0259n daha rahat \u015f\u0259kild\u0259, daha az x\u0259rcl\u0259 istifad\u0259 etm\u0259sin\u0259 g\u0259tirib \u00e7\u0131xard\u0131r. Y\u0259ni \u00fcmumi g\u00f6t\u00fcrs\u0259k tranzaksiya x\u0259rcl\u0259rini azald\u0131r. \u0130ndiki \u015f\u0259rtl\u0259r daxilind\u0259 bu x\u0259rcl\u0259rin qiym\u0259tl\u0259r\u0259 birba\u015fa t\u0259sir etdiyini dem\u0259k \u00e7ox \u00e7\u0259tindir. \u00c7\u00fcnki h\u0259l\u0259 ki biznesin \u00f6z\u00fcn\u00fcn leqall\u0131q s\u0259viyy\u0259si a\u015fa\u011f\u0131d\u0131r. Bel\u0259 oldu\u011fu t\u0259qdird\u0259 m\u00fcvafiq g\u00fcz\u0259\u015ftl\u0259rin verilm\u0259si v\u0259 yaxud da m\u00fcvafiq tarifl\u0259rin a\u015fa\u011f\u0131 sal\u0131nmas\u0131 daha \u00e7ox yeni biznesin m\u00fcqavim\u0259tini q\u0131rma\u011fa v\u0259 leqalla\u015fma n\u0259tic\u0259sind\u0259 na\u011fds\u0131z \u00f6d\u0259ni\u015fl\u0259rin h\u0259yata ke\u00e7irilm\u0259si istiqam\u0259tind\u0259 t\u0259\u015f\u0259bb\u00fcsl\u0259rin geni\u015fl\u0259nm\u0259sin\u0259 \u015f\u0259rait yarada bilir. Y\u0259ni d\u00fc\u015f\u00fcnm\u00fcr\u0259m ki, indiki \u015f\u0259rtl\u0259r daxilind\u0259 bu tarifl\u0259rin azald\u0131lmas\u0131 qiym\u0259tl\u0259r\u0259 birba\u015fa t\u0259sir g\u00f6st\u0259rsin\u201d, &#8211; dey\u0259 iqtisad\u00e7\u0131 \u0259lav\u0259 edib.<\/p>\n<p><img loading=\"lazy\" src=\"https:\/\/publika.az\/storage\/2023\/11\/21\/d0b24faf309c7e9caf6edfb2566a3b7b.jpg\" alt=\"\" width=\"641\" height=\"361\" \/><\/p>\n<p><em>H\u0259m\u00e7inin \u0259ks \u201cinterchange\u201d d\u0259 var. Bu halda emitent bank xidm\u0259t g\u00f6st\u0259r\u0259n banka faiz \u00f6d\u0259yir. M\u0259s\u0259l\u0259n, ba\u015fqa bir bank\u0131n bankomat\u0131ndan pul \u00e7\u0131xar\u0131rsa, tutulan komissiyan\u0131n bir hiss\u0259si bankomat\u0131n sahibi olan banka \u201cinterchange\u201d kimi \u00f6d\u0259nilir.<\/em><\/p>\n<p>Qeyd ed\u0259k ki, \u201cinterchange\u201d h\u0259mi\u015f\u0259 m\u00fczakir\u0259 m\u00f6vzusu olub. Bel\u0259 ki, m\u00fcxt\u0259lif sat\u0131c\u0131lar qeyri-b\u0259rab\u0259r \u015f\u0259rtl\u0259rl\u0259 \u00fczl\u0259\u015firl\u0259r: ki\u00e7ik biznes \u00fc\u00e7\u00fcn ekvayrinq b\u00f6y\u00fck reteylerin ekvayrinqind\u0259n daha b\u00f6y\u00fck ola bilir. Bu komissiyalar al\u0131c\u0131dan da gizl\u0259dilir v\u0259 o, hans\u0131 \u00f6d\u0259ni\u015f \u00fcsulunun, hans\u0131 kart\u0131n onun \u00fc\u00e7\u00fcn daha s\u0259rf\u0259li olaca\u011f\u0131n\u0131 bilmir.<\/p>\n<p><strong>Aysel \u015eahmar<\/strong><\/p>\n<p><strong>M\u0259qal\u0259 Az\u0259rbaycan Respublikas\u0131n\u0131n Median\u0131n \u0130nki\u015faf\u0131 Agentliyinin (MED\u0130A) maliyy\u0259 d\u0259st\u0259yi il\u0259 \u201cAzad sahibkarl\u0131\u011f\u0131n v\u0259 liberal iqtisadiyyat\u0131n t\u0259\u015fviqi&#8221; istiqam\u0259ti \u00fczr\u0259 haz\u0131rlan\u0131b.<\/strong><\/p>\n<p><img loading=\"lazy\" src=\"https:\/\/publika.az\/storage\/2023\/07\/03\/media-logo-2023.png\" alt=\"\" width=\"1920\" height=\"698\" \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131 &#8220;interchange&#8221; tarifl\u0259rinin yuxar\u0131-orta h\u0259ddini m\u00fc\u0259yy\u0259n edib. Bu h\u0259dd orta hesabla 36 % azald\u0131l\u0131b. X\u00fcsusil\u0259 bu h\u0259dd h\u0259ssas xidm\u0259t n\u00f6vl\u0259ri olan \u0259rzaq ma\u011fazalar\u0131, aptekl\u0259r \u00fczr\u0259 q\u0259bul edil\u0259n \u00f6d\u0259ni\u015fl\u0259r \u00fczr\u0259 33 %, yanacaq doldurma m\u0259nt\u0259q\u0259l\u0259rind\u0259 55 %, dig\u0259r proqramlar \u00fczr\u0259 is\u0259 22 % azald\u0131l\u0131b. Bu azalma m\u0259hsullar\u0131n qiym\u0259tin\u0259 nec\u0259 t\u0259sir ed\u0259c\u0259k? M\u0259s\u0259l\u0259 il\u0259 ba\u011fl\u0131\u00a0iqtisad\u00e7\u0131 ekspert R\u0259\u015fad H\u0259s\u0259nov\u00a0Publika.az-a a\u00e7\u0131qlama verib. O bildirib ki, istiqam\u0259t \u00fczr\u0259 m\u00fc\u0259yy\u0259n t\u0259nziml\u0259m\u0259y\u0259 ehtiyac var idi: \u201c\u00c7\u00fcnki biz bank sektorunun m\u00f6vcud v\u0259ziyy\u0259tini, x\u00fcsusil\u0259 d\u0259 birba\u015fa benefisiarlar\u0131 n\u0259z\u0259r\u0259 alm\u0131\u015f olsaq, bu istiqam\u0259td\u0259 xidm\u0259tl\u0259r sah\u0259sind\u0259 ciddi t\u0259m\u0259rk\u00fczl\u0259\u015fm\u0259 m\u00fc\u015fahid\u0259&hellip;<\/p>\n","protected":false},"author":2,"featured_media":660045,"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\/erzaq-1.jpg",800,526,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/11\/erzaq-1.jpg",800,526,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/11\/erzaq-1.jpg",800,526,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/11\/erzaq-1-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/11\/erzaq-1-555x365.jpg",555,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/11\/erzaq-1.jpg",640,421,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/11\/erzaq-1.jpg",800,526,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/11\/erzaq-1.jpg",800,526,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/11\/erzaq-1-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/11\/erzaq-1.jpg",800,526,false]},"rttpg_author":{"display_name":"V\u00fcsal Rafiqo\u011flu","author_link":"https:\/\/arantv.az\/?author=2"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/arantv.az\/?cat=19\" rel=\"category\">G\u00fcnd\u0259m<\/a>","rttpg_excerpt":"Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131 &#8220;interchange&#8221; tarifl\u0259rinin yuxar\u0131-orta h\u0259ddini m\u00fc\u0259yy\u0259n edib. Bu h\u0259dd orta hesabla 36 % azald\u0131l\u0131b. X\u00fcsusil\u0259 bu h\u0259dd h\u0259ssas xidm\u0259t n\u00f6vl\u0259ri olan \u0259rzaq ma\u011fazalar\u0131, aptekl\u0259r \u00fczr\u0259 q\u0259bul edil\u0259n \u00f6d\u0259ni\u015fl\u0259r \u00fczr\u0259 33 %, yanacaq doldurma m\u0259nt\u0259q\u0259l\u0259rind\u0259 55 %, dig\u0259r proqramlar \u00fczr\u0259 is\u0259 22 % azald\u0131l\u0131b. Bu azalma m\u0259hsullar\u0131n qiym\u0259tin\u0259 nec\u0259 t\u0259sir ed\u0259c\u0259k? M\u0259s\u0259l\u0259 il\u0259 ba\u011fl\u0131\u00a0iqtisad\u00e7\u0131&hellip;","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/660041"}],"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=660041"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/660041\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/660045"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=660041"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=660041"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=660041"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}