\u201cBanklar\u0131n say\u0131n\u0131n k\u0259skin \u015f\u0259kild\u0259 azalmas\u0131 yax\u015f\u0131 \u0259lam\u0259t deyil\u201d<\/strong><\/p>\n Bank m\u0259s\u0259l\u0259l\u0259ri \u00fczr\u0259 ekspert X\u0259yal M\u0259mm\u0259dli deyir ki, banklar\u0131n say\u0131 \u00fc\u00e7\u00fcn \u00f6lk\u0259nin b\u00f6y\u00fckl\u00fcy\u00fcn\u00fcn, yaxud ki\u00e7ikliyinin f\u0259rqi yoxdur: \u201c\u018frazisi Az\u0259rbaycan q\u0259d\u0259r olan el\u0259 Avropa \u00f6lk\u0259si var ki, orada bank say\u0131 bizd\u0259n azd\u0131r. El\u0259si d\u0259 var ki, Az\u0259rbaycandak\u0131 banklar\u0131n say\u0131ndan 3-4 d\u0259f\u0259 \u00e7oxdur. Y\u0259ni burada t\u0259nziml\u0259nm\u0259 \u00f6lk\u0259nin \u0259razisin\u0259, yaxud \u0259hali say\u0131na g\u00f6r\u0259 deyil. Bu, daha \u00e7ox ondan as\u0131l\u0131d\u0131r ki, \u00f6lk\u0259d\u0259 maliyy\u0259, bank sistemi nec\u0259 qurulub, M\u0259rk\u0259zi Bank d\u00f6vl\u0259t s\u0259viyy\u0259sind\u0259 bu sistemi nec\u0259 t\u0259nziml\u0259yir?\u201d<\/p>\n X.M\u0259mm\u0259dli bildirir ki, banklar\u0131n say\u0131n\u0131n k\u0259skin \u015f\u0259kild\u0259 azalmas\u0131 yax\u015f\u0131 \u0259lam\u0259t deyil: \u201cBanklar\u0131n say\u0131n\u0131n \u00e7ox v\u0259 ya az olmas\u0131n\u0131n hans\u0131sa bir ciddi f\u0259sad\u0131 yoxdur. \u00c7\u00fcnki h\u0259r hans\u0131 bir sektorda f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n m\u00fc\u0259ssis\u0259nin say\u0131 \u00e7ox olursa, bu zaman r\u0259qab\u0259t m\u00fchiti daha da yax\u015f\u0131la\u015f\u0131r, istehlak\u00e7\u0131lar \u00fc\u00e7\u00fcn qiym\u0259tl\u0259r daha da ucuzla\u015f\u0131r. O bax\u0131mdan d\u00fc\u015f\u00fcn\u00fcr\u0259m ki, banklar\u0131n say\u0131n\u0131n k\u0259skin \u015f\u0259kild\u0259 azald\u0131lmas\u0131 m\u0259s\u0259l\u0259si olmamal\u0131d\u0131r. Az\u0259rbaycanda d\u00f6vl\u0259tin d\u0259 bel\u0259 bir siyas\u0259ti yoxdur\u201d.<\/p>\n Risk faktorunu n\u0259z\u0259r\u0259 alm\u0131rlar<\/strong><\/p>\n Banklar\u0131n ba\u011flanmas\u0131 m\u0259s\u0259l\u0259sin\u0259 toxunan ekspertin s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, bu hal yaln\u0131z banklar normalara cavab verm\u0259dikd\u0259 ba\u015f verir: \u201c\u00d6lk\u0259mizd\u0259 banklar say \u00e7oxlu\u011funa g\u00f6r\u0259 ba\u011flanm\u0131r. Banklar\u0131n f\u0259aliyy\u0259tl\u0259ri M\u0259rk\u0259zi Bank\u0131n prudensial normalar\u0131na cavab verm\u0259dikl\u0259rin\u0259 g\u00f6r\u0259 dayand\u0131r\u0131l\u0131r. He\u00e7 vaxt n\u0259 M\u0259rk\u0259zi Bank, n\u0259 d\u0259 d\u00f6vl\u0259t t\u0259r\u0259find\u0259n \u201cbanklar\u0131n say\u0131 art\u0131qd\u0131r, ona g\u00f6r\u0259 ba\u011flay\u0131r\u0131q\u201d deyilm\u0259yib. \u018fg\u0259r g\u00f6st\u0259ricil\u0259ri qoyulmu\u015f normativ\u0259 cavab verirs\u0259, bu zaman bank f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259c\u0259k. Korporativ idar\u0259etm\u0259 d\u00fczg\u00fcn qurulmur, prudensial normalara riay\u0259t olunmur, risk m\u0259s\u0259l\u0259l\u0259ri d\u00fczg\u00fcn t\u0259nziml\u0259nmir, bank normal \u015f\u0259kild\u0259 idar\u0259etm\u0259ni qurmur, riskli \u015f\u0259kild\u0259 kreditl\u0259r verilir, onlar qay\u0131tm\u0131r, bank\u0131n m\u0259cmu kapital\u0131 a\u015fa\u011f\u0131 d\u00fc\u015f\u00fcr v\u0259 bununla da probleml\u0259r ba\u015flay\u0131r. Bu zaman da M\u0259rk\u0259zi Bank lisenziyas\u0131n\u0131 l\u0259\u011fv edir. H\u0259m\u00e7inin, banklar \u00f6zl\u0259ri f\u0259aliyy\u0259tl\u0259rini dayand\u0131rm\u0131rlar. Az\u0259rbaycanda h\u0259l\u0259 he\u00e7 bir bank \u00f6z\u00fcn\u00fc m\u00fcflis elan etm\u0259yib. B\u00fct\u00fcn hallarda M\u0259rk\u0259zi Bank normalara cavab verm\u0259y\u0259n banklar\u0131n lisenziyas\u0131n\u0131 dayand\u0131r\u0131b\u201d.<\/p>\n Yaranan bo\u015fluqlar b\u00f6y\u00fck banklar t\u0259r\u0259find\u0259n doldurulur<\/strong><\/p>\n X.M\u0259mm\u0259dli h\u0259m\u00e7inin qeyd edir ki, indiki halda Az\u0259rbaycan\u0131n bank sektoru \u00fc\u00e7\u00fcn narahatl\u0131\u011fa \u0259sas yoxdur: \u201cAz\u0259rbaycanda \u0259n az\u0131ndan Beyn\u0259lxalq Bank kimi d\u00f6vl\u0259t bank\u0131, h\u0259m\u00e7inin b\u00f6y\u00fck sistem \u0259h\u0259miyy\u0259tli banklar var. O banklar h\u0259mi\u015f\u0259 \u00e7al\u0131\u015facaq. \u018fg\u0259r ki\u00e7ik m\u00fc\u0259ssis\u0259l\u0259rin f\u0259aliyy\u0259ti dayanacaqsa, onun \u0259v\u0259zin\u0259 b\u00f6y\u00fck banklar\u0131n filial \u015f\u0259b\u0259k\u0259si daha da geni\u015fl\u0259n\u0259c\u0259k. \u0130kinci bir t\u0259r\u0259fd\u0259n, r\u0259q\u0259msalla\u015fma getdikc\u0259 s\u00fcr\u0259tl\u0259nir, m\u0259saf\u0259d\u0259n bank xidm\u0259tl\u0259ri g\u00f6st\u0259rilir. Y\u0259ni b\u00f6y\u00fck v\u0259 sistem \u0259h\u0259miyy\u0259tli banklar t\u0259r\u0259find\u0259n yaranan bo\u015fluqlar doldurulur\u201d.<\/p>\n Bu proses qanunla t\u0259nziml\u0259nmir<\/strong><\/p>\n \u0130qtisadi m\u0259s\u0259l\u0259l\u0259r \u00fczr\u0259 ekspert Asif \u0130brahimli deyir ki, d\u00fcnya praktikas\u0131nda banklar\u0131n say\u0131n\u0131 m\u00fc\u0259yy\u0259n ed\u0259n normalar m\u00f6vcud deyil: \u201cBanklar\u0131n say\u0131 hans\u0131sa qanunla, reqlamentl\u0259, metodla t\u0259nziml\u0259nmir. \u00dcmumiyy\u0259tl\u0259, hans\u0131sa \u00f6lk\u0259d\u0259 bankalar\u0131n yarad\u0131lmas\u0131 ad\u0259t\u0259n \u00f6lk\u0259nin iqtisadi v\u0259ziyy\u0259tind\u0259n, maliyy\u0259 siyas\u0259tind\u0259n as\u0131l\u0131 olaraq formala\u015fd\u0131r\u0131l\u0131r. M\u0259s\u0259l\u0259n, ki\u00e7ik bir d\u00f6vl\u0259t ola bil\u0259r ki, hans\u0131sa Lat\u0131n Amerikas\u0131nda yerl\u0259\u015fir, \u0259razi bax\u0131m\u0131ndan Az\u0259rbaycandan 3 d\u0259f\u0259 ki\u00e7ikdir, amma orada banklar \u00e7oxdur. Bu da \u00f6lk\u0259nin maliyy\u0259 siyas\u0259tind\u0259n v\u0259 iqtisadiyyat\u0131ndan as\u0131l\u0131 olan m\u0259s\u0259l\u0259dir. Bununla ba\u011fl\u0131 d\u00fcnya praktikas\u0131nda da h\u0259r hans\u0131 bir t\u0259nziml\u0259m\u0259 yoxdur\u201d.<\/p>\n Kredit faizl\u0259ri daha da y\u00fcks\u0259l\u0259 bil\u0259r<\/strong><\/p>\n A.\u0130brahimlinin fikrinc\u0259, onsuz da \u00f6lk\u0259mizd\u0259 bank sektorunda xarici banklar azd\u0131r. Yerli banklar da ba\u011flanarsa, insanlar \u00fc\u00e7\u00fcn m\u00fc\u0259yy\u0259n \u00e7\u0259tinlikl\u0259r yarana bil\u0259r: \u201cBanklar\u0131n say\u0131n\u0131n \u00e7ox olmas\u0131n\u0131n \u00fcst\u00fcn c\u0259h\u0259ti odur ki, r\u0259qab\u0259t m\u00fchiti formala\u015fd\u0131r\u0131l\u0131r. Az\u0259rbaycan\u0131n is\u0259 \u00f6z\u00fcn\u0259m\u0259xsus iqtisadi modeli oldu\u011fu \u00fc\u00e7\u00fcn banklar\u0131n formala\u015fd\u0131r\u0131lmas\u0131nda, onlar\u0131n say\u0131n\u0131n az v\u0259 ya \u00e7ox olmas\u0131nda h\u0259r hans\u0131 bir f\u0259rq g\u00f6rm\u00fcr\u0259m. Amma g\u0259l\u0259c\u0259kd\u0259 dig\u0259r banklar\u0131n da f\u0259aliyy\u0259tind\u0259 probleml\u0259r yaranarsa, lisenziyalar\u0131 l\u0259\u011fv edil\u0259rs\u0259, bu, bank sektorunda r\u0259qab\u0259tin ciddi \u015f\u0259kild\u0259 pozulmas\u0131na g\u0259tirib \u00e7\u0131xara bil\u0259r. M\u0259s\u0259l\u0259n, bel\u0259 oldu\u011fu halda \u00f6lk\u0259d\u0259 onsuz da y\u00fcks\u0259k olan kredit faizl\u0259ri bir az da arta bil\u0259r\u201d.<\/p>\n","protected":false},"excerpt":{"rendered":" Az\u0259rbaycanda banklar\u0131n say\u0131nda azalma m\u00fc\u015fahid\u0259 edilir. Son bir ild\u0259 \u00f6lk\u0259d\u0259 \u00fc\u00e7 bank\u0131n lisenziyas\u0131 l\u0259\u011fv olunub. Bu prosesl\u0259r bank sektorunun g\u0259l\u0259c\u0259yi \u00fc\u00e7\u00fcn n\u0259l\u0259r v\u0259d edir? Ekspertl\u0259r hesab edirl\u0259r ki, yaranan bo\u015fluq b\u00f6y\u00fck banklar\u0131n filial \u015f\u0259b\u0259k\u0259si t\u0259r\u0259find\u0259n kompensasiya edil\u0259c\u0259k. Son bir ild\u0259 Az\u0259rbaycanda \u00fc\u00e7 bank f\u0259aliyy\u0259tini dayand\u0131r\u0131b. Ba\u015fqa s\u00f6zl\u0259 des\u0259k, lisenziyalar\u0131 l\u0259\u011fv olunub. \u00d6t\u0259n h\u0259ft\u0259 daha bir bank da ba\u011flan\u0131b. Bel\u0259likl\u0259 \u00f6lk\u0259d\u0259 f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n banklar\u0131n say\u0131 23-\u0259 d\u00fc\u015f\u00fcb. H\u0259l\u0259 bir ne\u00e7\u0259 bank\u0131n da ba\u011flanma t\u0259hl\u00fck\u0259si il\u0259 \u00fcz-\u00fcz\u0259 qalmas\u0131 bar\u0259d\u0259 d\u0259 iddialar var. Banklar bu \u015f\u0259kild\u0259 ba\u011flana-ba\u011flana ged\u0259rs\u0259, bu, bank sektorumuz \u00fc\u00e7\u00fcn hans\u0131sa…<\/p>\n","protected":false},"author":2,"featured_media":673149,"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\/FotoJet-4-15.jpg",620,413,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/12\/FotoJet-4-15.jpg",620,413,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/12\/FotoJet-4-15.jpg",620,413,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/12\/FotoJet-4-15-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/12\/FotoJet-4-15-548x365.jpg",548,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/12\/FotoJet-4-15.jpg",620,413,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/12\/FotoJet-4-15.jpg",620,413,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/12\/FotoJet-4-15.jpg",620,413,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/12\/FotoJet-4-15-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/12\/FotoJet-4-15.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":"Az\u0259rbaycanda banklar\u0131n say\u0131nda azalma m\u00fc\u015fahid\u0259 edilir. Son bir ild\u0259 \u00f6lk\u0259d\u0259 \u00fc\u00e7 bank\u0131n lisenziyas\u0131 l\u0259\u011fv olunub. Bu prosesl\u0259r bank sektorunun g\u0259l\u0259c\u0259yi \u00fc\u00e7\u00fcn n\u0259l\u0259r v\u0259d edir? Ekspertl\u0259r hesab edirl\u0259r ki, yaranan bo\u015fluq b\u00f6y\u00fck banklar\u0131n filial \u015f\u0259b\u0259k\u0259si t\u0259r\u0259find\u0259n kompensasiya edil\u0259c\u0259k. Son bir ild\u0259 Az\u0259rbaycanda \u00fc\u00e7 bank f\u0259aliyy\u0259tini dayand\u0131r\u0131b. Ba\u015fqa s\u00f6zl\u0259 des\u0259k, lisenziyalar\u0131 l\u0259\u011fv olunub. \u00d6t\u0259n h\u0259ft\u0259 daha bir…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/673148"}],"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=673148"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/673148\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/673149"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=673148"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=673148"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=673148"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}<\/p>\n
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