\u201cBank\u0131m\u0131zda yax\u015f\u0131 m\u00fc\u015ft\u0259ri olmusunuz. Yenid\u0259n kredit g\u00f6t\u00fcrm\u0259k ist\u0259y\u0259rdinizmi?\u201d<\/p>\n
Az\u0259rbaycanda banklardan kredit g\u00f6t\u00fcrm\u00fc\u015f v\u0259 m\u00fcsb\u0259t kredit tarix\u00e7\u0259sin\u0259 malik olan v\u0259t\u0259nda\u015flar bu s\u00f6zl\u0259ri ayda az\u0131 bir d\u0259f\u0259 e\u015fidirl\u0259r.<\/p>\n
Bank i\u015f\u00e7il\u0259ri n\u0259inki ke\u00e7mi\u015fd\u0259 kredit borcu olmu\u015f, h\u0259tta aktiv krediti olan m\u00fc\u015ft\u0259ril\u0259rin\u0259 bel\u0259 tez-tez z\u0259ng ed\u0259r\u0259k onlar\u0131 n\u00f6vb\u0259ti d\u0259f\u0259 borcland\u0131rma\u011fa \u00e7al\u0131\u015f\u0131rlar. B\u0259s bu n\u0259 d\u0259r\u0259c\u0259d\u0259 d\u00fczg\u00fcnd\u00fcr? Bank i\u015f\u00e7il\u0259rinin v\u0259t\u0259nda\u015flara tez-tez z\u0259ng etm\u0259y\u0259 ixtiyar\u0131 varm\u0131? \u201cReport\u201d\u00a0m\u00f6vzunu ekspertl\u0259rl\u0259 m\u00fczakir\u0259 edib.<\/p>\n
\u201cAz\u0259rbaycan Banklar Assosiasiyas\u0131\u201d\u00a0(ABA) \u0130ctimai Birliyinin h\u00fcquqi m\u0259s\u0259l\u0259l\u0259r \u00fczr\u0259 ekspert qrupunun r\u0259hb\u0259ri Qorxmaz A\u011fayev deyib\u00a0ki, banklar\u0131n m\u00fc\u015ft\u0259ril\u0259rin\u0259 aktiv \u015f\u0259kild\u0259 pul t\u0259klif etm\u0259sind\u0259 q\u0259bah\u0259tli he\u00e7 n\u0259 yoxdur v\u0259 bu m\u0259s\u0259l\u0259 il\u0259 ba\u011fl\u0131 v\u0259t\u0259nda\u015flar\u0131n ciddi naraz\u0131l\u0131\u011f\u0131 m\u00fc\u015fahid\u0259 olunmur:<\/p>\n
\u201cBu g\u00fcn\u0259 q\u0259d\u0259r ABA-ya m\u0259s\u0259l\u0259 il\u0259 ba\u011fl\u0131 h\u0259r hans\u0131 \u015fikay\u0259t daxil olmay\u0131b. Bel\u0259 bir statistika yoxdur. Ola bilsin h\u0259r hans\u0131 bank m\u00fc\u015ft\u0259rini narahat edir. Bel\u0259 bir problem ola bil\u0259r. Ancaq m\u00fc\u015ft\u0259ril\u0259r\u0259 t\u0259kc\u0259 banklardan z\u0259ng g\u0259lmir, ba\u015fqa biznes strukturlar\u0131 da z\u0259ng edirl\u0259r. M\u00fc\u015ft\u0259ri ist\u0259s\u0259, bankla \u0259laq\u0259 qurub irad\u0131n\u0131 bildir\u0259 bil\u0259r\u201d.<\/p>\n
\u0130qtisad\u00e7\u0131-ekspert R\u0259\u015fad H\u0259s\u0259nov is\u0259 deyir ki, m\u00fc\u015ft\u0259ril\u0259r\u0259 vaxta\u015f\u0131r\u0131 z\u0259ng edilm\u0259si banklar aras\u0131nda say\u0131 az olan yax\u015f\u0131 m\u00fc\u015ft\u0259ril\u0259r u\u011frunda r\u0259qab\u0259tl\u0259 \u0259laq\u0259dard\u0131r v\u0259 buna t\u0259bii yana\u015fmaq laz\u0131md\u0131r:<\/p>\n
\u201cBanklarda izafi likvidlik var, onlar v\u0259saitl\u0259rini yerl\u0259\u015fdirm\u0259kd\u0259 \u00e7\u0259tinlik \u00e7\u0259kir, buna g\u00f6r\u0259 d\u0259 marketinq siyas\u0259tl\u0259rini bacard\u0131qca t\u0259kmill\u0259\u015fdirir. Burada ciddi problem oldu\u011funu d\u00fc\u015f\u00fcnm\u00fcr\u0259m. V\u0259t\u0259nda\u015f z\u0259ng g\u0259l\u0259n bank\u0131n xidm\u0259tind\u0259n imtina ed\u0259 bil\u0259r. Amma bu z\u0259ngl\u0259rin m\u0259lumatland\u0131rma bax\u0131m\u0131ndan faydal\u0131 oldu\u011funu d\u00fc\u015f\u00fcn\u00fcr\u0259m. \u00c7\u00fcnki bir \u00e7ox v\u0259t\u0259nda\u015flar banklar\u0131n kredit \u015f\u0259rtl\u0259ri bar\u0259d\u0259 m\u0259lumatlar\u0131 bu kimi z\u0259ngl\u0259r vasit\u0259sil\u0259 al\u0131rlar. Bu kimi z\u0259ngl\u0259r hans\u0131sa formada bank v\u0259 m\u00fc\u015ft\u0259ri aras\u0131nda birba\u015fa \u00fcnsiyy\u0259tin ortaya \u00e7\u0131xmas\u0131na, \u00fcnsiyy\u0259t platformas\u0131n\u0131n formala\u015fmas\u0131na m\u00fcsb\u0259t t\u0259sir g\u00f6st\u0259rir\u201d.<\/p>\n
H\u00fcquq\u015f\u00fcnas \u018fkr\u0259m H\u0259s\u0259nov is\u0259 d\u00fc\u015f\u00fcn\u00fcr ki, banklar\u0131n v\u0259t\u0259nda\u015flar\u0131 bezdirm\u0259si bir n\u00f6v h\u00fcquq pozuntusudur v\u0259 bu m\u0259s\u0259l\u0259 il\u0259 ba\u011fl\u0131 n\u0259inki banka irad bildirm\u0259k, h\u0259tta m\u0259hk\u0259m\u0259y\u0259 \u015fikay\u0259t etm\u0259k d\u0259 olar:<\/p>\n
\u201cM\u0259s\u0259l\u0259n, v\u0259t\u0259nda\u015f bank \u0259m\u0259kda\u015flar\u0131n\u0131n onu uzun m\u00fcdd\u0259t telefonla narahat etdiyini, m\u0259n\u0259vi z\u0259r\u0259r g\u00f6rd\u00fcy\u00fcn\u00fc \u0259sas g\u0259tir\u0259r\u0259k bank\u0131 m\u0259hk\u0259m\u0259y\u0259 ver\u0259 bil\u0259r. Amma bunu m\u0259hk\u0259m\u0259d\u0259 s\u00fcbut etm\u0259k xeyli vaxt aparacaq\u201d.<\/p>\n","protected":false},"excerpt":{"rendered":"
\u201cBank\u0131m\u0131zda yax\u015f\u0131 m\u00fc\u015ft\u0259ri olmusunuz. Yenid\u0259n kredit g\u00f6t\u00fcrm\u0259k ist\u0259y\u0259rdinizmi?\u201d Az\u0259rbaycanda banklardan kredit g\u00f6t\u00fcrm\u00fc\u015f v\u0259 m\u00fcsb\u0259t kredit tarix\u00e7\u0259sin\u0259 malik olan v\u0259t\u0259nda\u015flar bu s\u00f6zl\u0259ri ayda az\u0131 bir d\u0259f\u0259 e\u015fidirl\u0259r. Bank i\u015f\u00e7il\u0259ri n\u0259inki ke\u00e7mi\u015fd\u0259 kredit borcu olmu\u015f, h\u0259tta aktiv krediti olan m\u00fc\u015ft\u0259ril\u0259rin\u0259 bel\u0259 tez-tez z\u0259ng ed\u0259r\u0259k onlar\u0131 n\u00f6vb\u0259ti d\u0259f\u0259 borcland\u0131rma\u011fa \u00e7al\u0131\u015f\u0131rlar. B\u0259s bu n\u0259 d\u0259r\u0259c\u0259d\u0259 d\u00fczg\u00fcnd\u00fcr? Bank i\u015f\u00e7il\u0259rinin v\u0259t\u0259nda\u015flara tez-tez z\u0259ng etm\u0259y\u0259 ixtiyar\u0131 varm\u0131? \u201cReport\u201d\u00a0m\u00f6vzunu ekspertl\u0259rl\u0259 m\u00fczakir\u0259 edib. \u201cAz\u0259rbaycan Banklar Assosiasiyas\u0131\u201d\u00a0(ABA) \u0130ctimai Birliyinin h\u00fcquqi m\u0259s\u0259l\u0259l\u0259r \u00fczr\u0259 ekspert qrupunun r\u0259hb\u0259ri Qorxmaz A\u011fayev deyib\u00a0ki, banklar\u0131n m\u00fc\u015ft\u0259ril\u0259rin\u0259 aktiv \u015f\u0259kild\u0259 pul t\u0259klif etm\u0259sind\u0259 q\u0259bah\u0259tli he\u00e7 n\u0259 yoxdur v\u0259…<\/p>\n","protected":false},"author":2,"featured_media":667488,"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\/12\/eae96c41-116e-3723-a7b3-c2be0c8139c0_850.jpg",620,413,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/12\/eae96c41-116e-3723-a7b3-c2be0c8139c0_850.jpg",620,413,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/12\/eae96c41-116e-3723-a7b3-c2be0c8139c0_850.jpg",620,413,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/12\/eae96c41-116e-3723-a7b3-c2be0c8139c0_850-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/12\/eae96c41-116e-3723-a7b3-c2be0c8139c0_850-548x365.jpg",548,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/12\/eae96c41-116e-3723-a7b3-c2be0c8139c0_850.jpg",620,413,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/12\/eae96c41-116e-3723-a7b3-c2be0c8139c0_850.jpg",620,413,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/12\/eae96c41-116e-3723-a7b3-c2be0c8139c0_850.jpg",620,413,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/12\/eae96c41-116e-3723-a7b3-c2be0c8139c0_850-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/12\/eae96c41-116e-3723-a7b3-c2be0c8139c0_850.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":"\u201cBank\u0131m\u0131zda yax\u015f\u0131 m\u00fc\u015ft\u0259ri olmusunuz. Yenid\u0259n kredit g\u00f6t\u00fcrm\u0259k ist\u0259y\u0259rdinizmi?\u201d Az\u0259rbaycanda banklardan kredit g\u00f6t\u00fcrm\u00fc\u015f v\u0259 m\u00fcsb\u0259t kredit tarix\u00e7\u0259sin\u0259 malik olan v\u0259t\u0259nda\u015flar bu s\u00f6zl\u0259ri ayda az\u0131 bir d\u0259f\u0259 e\u015fidirl\u0259r. Bank i\u015f\u00e7il\u0259ri n\u0259inki ke\u00e7mi\u015fd\u0259 kredit borcu olmu\u015f, h\u0259tta aktiv krediti olan m\u00fc\u015ft\u0259ril\u0259rin\u0259 bel\u0259 tez-tez z\u0259ng ed\u0259r\u0259k onlar\u0131 n\u00f6vb\u0259ti d\u0259f\u0259 borcland\u0131rma\u011fa \u00e7al\u0131\u015f\u0131rlar. B\u0259s bu n\u0259 d\u0259r\u0259c\u0259d\u0259 d\u00fczg\u00fcnd\u00fcr? Bank i\u015f\u00e7il\u0259rinin v\u0259t\u0259nda\u015flara…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/667487"}],"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=667487"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/667487\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/667488"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=667487"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=667487"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=667487"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}