Maliyy\u0259 savadl\u0131l\u0131\u011f\u0131 artd\u0131qca…<\/strong><\/p>\n Maliyy\u0259 \u00fczr\u0259 ekspert Elnur Quliyev dedi ki, kartlar\u0131n say\u0131n\u0131n artmas\u0131 prosesi yax\u0131n g\u0259l\u0259c\u0259kd\u0259 d\u0259 davam ed\u0259c\u0259k: \u201cMilli \u00f6d\u0259ni\u015f sisteml\u0259rinin t\u0259kmill\u0259\u015fdirilm\u0259si, banklar\u0131n \u201cmobil bank\u00e7\u0131l\u0131q\u201d xidm\u0259tl\u0259rini inki\u015faf etdirm\u0259si plastik kartlardan istifad\u0259ni daha da s\u00fcr\u0259tl\u0259ndirib. H\u0259m\u00e7inin d\u00f6vl\u0259t na\u011fds\u0131z hesabla\u015fmalar\u0131n artmas\u0131nda maraql\u0131d\u0131r v\u0259 bu istiqam\u0259td\u0259 stimulla\u015fd\u0131r\u0131c\u0131 t\u0259dbirl\u0259r h\u0259yata ke\u00e7irir. Maliyy\u0259 savadl\u0131l\u0131\u011f\u0131 artd\u0131qca insanlar na\u011fds\u0131z \u00f6d\u0259ni\u015fl\u0259rin \u00fcst\u00fcnl\u00fckl\u0259rini, plastik kartlarla \u00f6d\u0259m\u0259nin asanl\u0131\u011f\u0131n\u0131, \u0259lveri\u015fli oldu\u011funu ba\u015fa d\u00fc\u015f\u00fcrl\u0259r\u201d.<\/p>\n Kartlar insanlara m\u00fc\u0259yy\u0259n xeyirl\u0259r verir<\/strong><\/p>\n E.Quliyevin fikrinc\u0259, \u00f6lk\u0259mizd\u0259 plastik kartlardan istifad\u0259nin artmas\u0131na t\u0259sir ed\u0259n \u0259sas faktorlar – son \u00fc\u00e7 il \u0259rzind\u0259 mal v\u0259 xidm\u0259tl\u0259r \u00fczr\u0259 plastik kartla \u00f6d\u0259ni\u015f q\u0259bul ed\u0259n m\u0259nt\u0259q\u0259l\u0259rin say\u0131n\u0131n \u0259h\u0259miyy\u0259tli artmas\u0131, \u201c\u018fDV geri al\u201d mexanizminin, h\u0259m\u00e7inin banklar t\u0259r\u0259find\u0259n \u201ccashback\u201d proqramlar\u0131n\u0131n t\u0259tbiqi, plastik kartlar\u0131 \u00f6d\u0259ni\u015fsiz t\u0259qdim etm\u0259l\u0259ri, elektron ticar\u0259t d\u00f6vriyy\u0259sinin \u00e7oxalmas\u0131d\u0131r: \u201cElektron ticar\u0259tin artmas\u0131, x\u00fcsusil\u0259 pandemiya d\u00f6vr\u00fcnd\u0259 na\u011fd puldan istifad\u0259 sah\u0259l\u0259rinin m\u0259hdudla\u015fd\u0131r\u0131lmas\u0131 istehlak\u00e7\u0131lar\u0131 bank kartlar\u0131na s\u00f6vq edib. \u0130nsanlar \u00f6d\u0259dikl\u0259ri pulun \u018fDV vasit\u0259sil\u0259 c\u00fczi miqdarda da olsa geri qaytar\u0131lmas\u0131 \u00fc\u00e7\u00fcn sat\u0131c\u0131lar\u0131 plastik kartla sat\u0131\u015f etm\u0259y\u0259 m\u0259cbur edirl\u0259r. N\u0259tic\u0259 etibaril\u0259, d\u00f6vl\u0259t istehlak\u00e7\u0131lar vasit\u0259sil\u0259 sat\u0131c\u0131lar\u0131 n\u0259zar\u0259td\u0259 saxlay\u0131r. Plastik kartlardan istifad\u0259nin \u0259sas \u00fcst\u00fcnl\u00fckl\u0259rind\u0259n biri d\u0259 kartla \u00f6d\u0259ni\u015f zaman\u0131 x\u0259rcl\u0259n\u0259n v\u0259saitl\u0259ri izl\u0259m\u0259yin v\u0259 n\u0259zar\u0259t etm\u0259yin asan olmas\u0131d\u0131r. \u0130nsanlar \u015f\u0259xsi v\u0259 ail\u0259 b\u00fcdc\u0259l\u0259rinin idar\u0259 olunmas\u0131nda bundan istifad\u0259 edirl\u0259r\u201d.<\/p>\n Daha etibarl\u0131d\u0131r<\/strong><\/p>\n Ekspert bildirdi ki, \u015f\u0259xsi v\u0259saitl\u0259ri kart hesab\u0131nda m\u00fchafiz\u0259 etm\u0259k o\u011furluq v\u0259 itirilm\u0259 ehtimal\u0131n\u0131 minimalla\u015fd\u0131r\u0131r: \u201cNa\u011fd pul itdikd\u0259 v\u0259 ya o\u011furland\u0131qda onu geri qaytarmaq m\u00fcmk\u00fcn deyil. Lakin plastik kart it\u0259rs\u0259, mobil bank vasit\u0259sil\u0259 kart\u0131 bloklaya bilirsiniz. Kart\u0131 o\u011furlayan v\u0259 ya \u0259ld\u0259 ed\u0259n \u015f\u0259xs pul \u00e7\u0131xara bilmir. Sizd\u0259n x\u0259b\u0259rsiz h\u0259r hans\u0131 \u00f6d\u0259ni\u015f edils\u0259 bel\u0259, banklar \u00f6d\u0259ni\u015f tarix\u00e7\u0259si il\u0259 x\u0259rcl\u0259nm\u0259 istiqam\u0259tini m\u00fc\u0259yy\u0259n ed\u0259 bilir\u201d.<\/p>\n Maliyy\u0259 intizam\u0131 g\u00fccl\u0259nir<\/strong><\/p>\n E.Quliyevin s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, kartlar insanlardan \u0259lav\u0259 d\u00f6vl\u0259timiz \u00fc\u00e7\u00fcn d\u0259 faydal\u0131d\u0131r: \u201cPlastik kartlarla \u00f6d\u0259ni\u015fl\u0259r \u201ck\u00f6lg\u0259 iqtisadiyyat\u0131\u201d il\u0259 m\u00fcbariz\u0259 bax\u0131m\u0131ndan da m\u00fcsb\u0259t effekt verir. Pul v\u0259saitl\u0259ri na\u011fds\u0131z h\u0259r\u0259k\u0259t ed\u0259n \u00f6lk\u0259l\u0259rd\u0259 iqtisadi art\u0131m s\u00fcr\u0259tl\u0259nir, insanlara vaxta q\u0259na\u0259t imkan\u0131 yarad\u0131r, ticar\u0259t v\u0259 xidm\u0259t obyektl\u0259rind\u0259 saxta pullar\u0131n qar\u015f\u0131s\u0131 al\u0131n\u0131r. Eyni zamanda, kartla \u00f6d\u0259ni\u015fl\u0259r v\u0259t\u0259nda\u015flar\u0131n d\u00f6vl\u0259t qurumlar\u0131na \u00f6d\u0259diyi xidm\u0259t haqlar\u0131n\u0131n hesabatl\u0131l\u0131\u011f\u0131n\u0131 t\u0259min edir, \u015f\u0259ffafl\u0131\u011fa z\u0259man\u0259t verir. Plastik kartlarla \u00f6d\u0259ni\u015fl\u0259r say\u0259sind\u0259 vergid\u0259n yay\u0131nman\u0131n qar\u015f\u0131s\u0131 al\u0131n\u0131r, b\u00fcdc\u0259y\u0259 daha \u00e7ox v\u0259sait toplan\u0131r, \u00f6lk\u0259 iqtisadiyyat\u0131nda maliyy\u0259 intizam\u0131 g\u00fccl\u0259nir. Na\u011fds\u0131z hesabla\u015fmalar\u0131n artmas\u0131 d\u00f6vl\u0259t g\u0259lirl\u0259rinin artmas\u0131n\u0131 \u015f\u0259rtl\u0259ndirir ki, bu da sosial sektorun maliyy\u0259l\u0259\u015fdirilm\u0259si \u00fc\u00e7\u00fcn \u0259lav\u0259 imkanlar yaran\u0131r\u201d.<\/p>\n \u0130nsanlar q\u0259rar ver\u0259 bilmir<\/strong><\/p>\n Bank m\u0259s\u0259l\u0259l\u0259ri \u00fczr\u0259 m\u00fct\u0259x\u0259ssis Emin Mahmudov is\u0259 deyir ki, kartlar\u0131n bu q\u0259d\u0259r s\u00fcr\u0259tl\u0259 artmas\u0131n\u0131n s\u0259b\u0259bi banklar\u0131n t\u0259klif etdiyi c\u0259zbedici imkanlard\u0131r: \u201c10 milyon \u0259halid\u0259n u\u015faqlar\u0131 v\u0259 ya\u015fl\u0131lar\u0131 \u00e7\u0131xsaq, t\u0259xmin\u0259n 7-8 milyon insan\u0131n iki kart\u0131 oldu\u011fu anlam\u0131na g\u0259lir. H\u0259tta b\u0259zi \u015f\u0259xsl\u0259rin 3-5 kart\u0131 var. Bank kartlar\u0131n\u0131n artmas\u0131n\u0131n s\u0259b\u0259bi banklar\u0131n bir-biri il\u0259 r\u0259qab\u0259t\u0259 gir\u0259r\u0259k, kart istifad\u0259\u00e7il\u0259ri \u00fc\u00e7\u00fcn f\u0259rqli \u015f\u0259rtl\u0259r t\u0259qdim etm\u0259sidir. \u0130nsanlar bir kart\u0131 al\u0131b raz\u0131 qal\u0131r, m\u00fc\u0259yy\u0259n vaxt istifad\u0259 edir v\u0259 g\u00f6r\u00fcr ki, dig\u0259r bank\u0131n kart\u0131 daha yax\u015f\u0131 \u015f\u0259rtl\u0259r verir. Bu halda v\u0259t\u0259nda\u015f dig\u0259r kartdan da al\u0131r. \u0130nsanlar hans\u0131 kart\u0131 istifad\u0259 ed\u0259c\u0259kl\u0259rin\u0259 q\u0259rar ver\u0259 bilmirl\u0259r. M\u00fc\u0259yy\u0259n sferalar \u00fczr\u0259 bir bank\u0131n kart\u0131 daha uy\u011fundur, dig\u0259r sah\u0259 \u00fczr\u0259 ba\u015fqa kart daha \u0259lveri\u015flidir. Ona g\u00f6r\u0259 d\u0259 h\u0259r\u0259nin 2-3 kart\u0131 olur\u201d.<\/p>\n Kartlar\u0131n yar\u0131s\u0131 aktiv deyil<\/strong><\/p>\n M\u00fct\u0259x\u0259ssis bildirdi ki, \u0259halinin h\u0259dd\u0259n art\u0131q kartdan istifad\u0259y\u0259 y\u00f6n\u0259lm\u0259sinin m\u0259nfi c\u0259h\u0259tl\u0259ri \u0259sas\u0259n banklar \u00fc\u00e7\u00fcnd\u00fcr: \u201cH\u0259r n\u0259 q\u0259d\u0259r kart say\u0131 artsa da, onlardan aktiv \u015f\u0259kild\u0259 istifad\u0259 olunan\u0131 azd\u0131r. Banklarda aktiv kart say\u0131 t\u0259xmin\u0259n 50 faizdir. Bir \u015f\u0259xs 3-4 kart al\u0131rsa, onlar\u0131 m\u00fc\u0259yy\u0259n d\u00f6vrd\u0259n bir – hans\u0131sa kampaniyalar, s\u0259rf\u0259li \u015f\u0259rtl\u0259r olduqda, xaric\u0259 ged\u0259rk\u0259n v\u0259 s. istifad\u0259 edir. Amma aktiv \u015f\u0259kild\u0259 istifad\u0259 edil\u0259n kartlar ad\u0259t\u0259n bir v\u0259 ya iki \u0259d\u0259d olur. Qeyri-aktiv kartlar bank \u00fc\u00e7\u00fcn \u0259lav\u0259 x\u0259rc kimi qal\u0131r\u201d.<\/p>\n D\u0259l\u0259duzluq h\u0259r g\u00fcn inki\u015faf edir<\/strong><\/p>\n E.Mahmudov s\u00f6yl\u0259di ki, kart\u0131n sahibi \u00fc\u00e7\u00fcn m\u0259nfi t\u0259r\u0259fi yoxdur, sad\u0259c\u0259, b\u0259zi riskl\u0259ri var: \u201c\u0130nsan\u0131n kart\u0131 n\u0259 q\u0259d\u0259r \u00e7ox olarsa, o kartlar\u0131 izl\u0259m\u0259k, onlar\u0131n t\u0259hl\u00fck\u0259sizliyini t\u0259min etm\u0259k o q\u0259d\u0259r \u00e7\u0259tinl\u0259\u015fir. Amma \u0259slind\u0259 sad\u0259 qaydalard\u0131r. Kart m\u0259lumatlar\u0131n\u0131 he\u00e7 kim\u0259 verm\u0259yin, g\u0259l\u0259n sms-l\u0259rd\u0259ki linkl\u0259r\u0259 daxil olmay\u0131n, h\u0259r z\u0259ng ed\u0259n \u015f\u0259xs\u0259 aldanmay\u0131n. Tan\u0131mad\u0131\u011f\u0131n\u0131z saytlarda kart\u0131n\u0131zdan \u00f6d\u0259ni\u015f vasit\u0259si kimi istifad\u0259 etm\u0259yin. Sosial \u015f\u0259b\u0259k\u0259l\u0259rd\u0259 qar\u015f\u0131n\u0131za \u00e7\u0131xan v\u0259dl\u0259r\u0259, kampaniyalara inanmay\u0131n. Ancaq r\u0259smi s\u0259hif\u0259l\u0259ri, saytlar\u0131 izl\u0259yin. Amma h\u0259r n\u0259 q\u0259d\u0259r banklar, t\u0259hl\u00fck\u0259sizlik orqanlar\u0131, g\u00fcc strukturlar\u0131 insanlar\u0131 maarifl\u0259ndirm\u0259y\u0259 \u00e7al\u0131\u015fsa da, yen\u0259 d\u0259 g\u00f6r\u00fcr\u00fck ki, aldananlar var. Kartlardan o\u011furluq hallar\u0131 h\u0259r g\u00fcn inki\u015faf edir, yeni yollar tap\u0131b insanlar\u0131 aldatma\u011fa c\u0259hd edirl\u0259r. Buna g\u00f6r\u0259 d\u0259 h\u0259r zaman kart sahibl\u0259rind\u0259n xahi\u015f edirik ki, t\u0259hl\u00fck\u0259sizlik qaydalar\u0131n\u0131 n\u0259z\u0259r\u0259 als\u0131nlar\u201d.<\/p>\n","protected":false},"excerpt":{"rendered":" Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131 x\u0259b\u0259r verir ki, \u00f6d\u0259ni\u015f kartlar\u0131n\u0131n say\u0131 cari ilin oktyabr ay\u0131n\u0131n 1-i il\u0259 m\u00fcqayis\u0259d\u0259 271 min \u0259d\u0259d artaraq 16 milyon 210 min \u0259d\u0259d olub. \u00d6t\u0259n ilin m\u00fcvafiq d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 bu g\u00f6st\u0259rici 20.9 faiz art\u0131b. \u0130nsanlar\u0131n na\u011fds\u0131z \u00f6d\u0259ni\u015fl\u0259r\u0259 meyl etm\u0259si t\u0259qdir\u0259layiqdir. T\u0259bii ki, kartlar\u0131n bu q\u0259d\u0259r artmas\u0131n\u0131n m\u00fcsb\u0259t v\u0259 m\u0259nfi t\u0259r\u0259fl\u0259ri d\u0259 var. \u201cKaspi\u201d\u00a0q\u0259zetinin m\u00f6vzu il\u0259 ba\u011fl\u0131 m\u0259qal\u0259sini t\u0259qdim edirik: Maliyy\u0259 savadl\u0131l\u0131\u011f\u0131 artd\u0131qca… Maliyy\u0259 \u00fczr\u0259 ekspert Elnur Quliyev dedi ki, kartlar\u0131n say\u0131n\u0131n artmas\u0131 prosesi yax\u0131n g\u0259l\u0259c\u0259kd\u0259 d\u0259 davam ed\u0259c\u0259k: \u201cMilli \u00f6d\u0259ni\u015f sisteml\u0259rinin t\u0259kmill\u0259\u015fdirilm\u0259si, banklar\u0131n \u201cmobil bank\u00e7\u0131l\u0131q\u201d xidm\u0259tl\u0259rini inki\u015faf…<\/p>\n","protected":false},"author":2,"featured_media":664096,"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":[1],"tags":[],"aioseo_notices":[],"gutentor_comment":0,"rttpg_featured_image_url":{"full":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/12\/FotoJet-3-1.jpg",620,413,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/12\/FotoJet-3-1.jpg",620,413,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/12\/FotoJet-3-1.jpg",620,413,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/12\/FotoJet-3-1-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/12\/FotoJet-3-1-548x365.jpg",548,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/12\/FotoJet-3-1.jpg",620,413,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/12\/FotoJet-3-1.jpg",620,413,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/12\/FotoJet-3-1.jpg",620,413,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/12\/FotoJet-3-1-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/12\/FotoJet-3-1.jpg",620,413,false]},"rttpg_author":{"display_name":"V\u00fcsal Rafiqo\u011flu","author_link":"https:\/\/arantv.az\/?author=2"},"rttpg_comment":0,"rttpg_category":"C\u0259miyy\u0259t<\/a>","rttpg_excerpt":"Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131 x\u0259b\u0259r verir ki, \u00f6d\u0259ni\u015f kartlar\u0131n\u0131n say\u0131 cari ilin oktyabr ay\u0131n\u0131n 1-i il\u0259 m\u00fcqayis\u0259d\u0259 271 min \u0259d\u0259d artaraq 16 milyon 210 min \u0259d\u0259d olub. \u00d6t\u0259n ilin m\u00fcvafiq d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 bu g\u00f6st\u0259rici 20.9 faiz art\u0131b. \u0130nsanlar\u0131n na\u011fds\u0131z \u00f6d\u0259ni\u015fl\u0259r\u0259 meyl etm\u0259si t\u0259qdir\u0259layiqdir. T\u0259bii ki, kartlar\u0131n bu q\u0259d\u0259r artmas\u0131n\u0131n m\u00fcsb\u0259t v\u0259 m\u0259nfi t\u0259r\u0259fl\u0259ri d\u0259 var.…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/664095"}],"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=664095"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/664095\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/664096"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=664095"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=664095"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=664095"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}<\/p>\n
<\/p>\n