M\u00fc\u015fahid\u0259l\u0259r g\u00f6st\u0259rir ki, Az\u0259rbaycanda insanlar\u0131n b\u00f6y\u00fck \u0259ks\u0259riyy\u0259ti g\u00f6t\u00fcrd\u00fcy\u00fc kreditin \u00f6d\u0259ni\u015fin\u0259 m\u0259suliyy\u0259tl\u0259 yana\u015fm\u0131r.<\/p>\n
Kredit m\u00fct\u0259x\u0259ssisl\u0259ri deyirl\u0259r ki, indi \u00f6lk\u0259d\u0259 kredit tarix\u00e7\u0259si ideal olan, y\u0259ni gecikm\u0259 g\u00fcnl\u0259rinin say\u0131 s\u0131f\u0131r olan m\u00fc\u015ft\u0259ril\u0259r\u0259 nadir hallarda rast g\u0259linir.<\/p>\n
Y\u0259ni, kredit g\u00f6t\u00fcr\u0259nl\u0259rin az hiss\u0259si onun \u00f6d\u0259ni\u015fini vaxt\u0131nda h\u0259yata ke\u00e7irir. \u018fks\u0259r m\u00fc\u015ft\u0259ril\u0259rd\u0259 1-2 g\u00fcn bel\u0259 olsa gecikm\u0259 qeyd\u0259 al\u0131n\u0131r. B\u0259zi m\u00fc\u015ft\u0259ril\u0259r is\u0259 borcu alan kimi, kredit t\u0259\u015fkilat\u0131n\u0131n \u00fcnvan\u0131n\u0131 yaddan \u00e7\u0131xar\u0131rlar. Y\u0259ni, onlar\u0131 b\u0259ri ba\u015fdan q\u0259til\u0259\u015fdirirl\u0259r ki, krediti \u00f6d\u0259m\u0259y\u0259c\u0259kl\u0259r.<\/p>\n
B\u0259s Az\u0259rbaycanda kredit \u00f6d\u0259m\u0259k m\u0259d\u0259niyy\u0259ti varm\u0131?<\/p>\n
\u201cReport\u201d m\u00f6vzunu maliyy\u0259 bazar\u0131 \u00fczr\u0259 ekspertl\u0259rl\u0259 m\u00fczakir\u0259 edib.<\/p>\n
Ekspert R\u0259\u015fad H\u0259s\u0259nov deyir ki, Az\u0259rbaycan manat\u0131n\u0131n 2015-ci ild\u0259ki ikili devalvasiyas\u0131ndan sonra kredit t\u0259\u015fkilatlar\u0131, o c\u00fcml\u0259d\u0259n banklar kredit \u00f6d\u0259ni\u015fi m\u0259s\u0259l\u0259sin\u0259 daha h\u0259ssas yana\u015f\u0131r, m\u00fc\u015ft\u0259ril\u0259rl\u0259 aktiv i\u015fl\u0259yirl\u0259r, odur ki, son ill\u0259r \u00f6lk\u0259d\u0259 kredit \u00f6d\u0259m\u0259 m\u0259d\u0259niyy\u0259ti sah\u0259sind\u0259 v\u0259ziyy\u0259t xeyli yax\u015f\u0131la\u015f\u0131b:<\/p>\n
\u201c2015-ci ild\u0259n sonra \u00f6d\u0259ni\u015fd\u0259 m\u0259suliyy\u0259tli davran\u0131\u015f meyill\u0259rinin artd\u0131\u011f\u0131 m\u00fc\u015fahid\u0259 olunmaqdad\u0131r. \u00c7\u00fcnki kredit t\u0259\u015fkilatlar\u0131 m\u00fc\u0259yy\u0259n al\u0259tl\u0259rd\u0259n istifad\u0259 edirl\u0259r, o c\u00fcml\u0259d\u0259n, birba\u015fa kommunikasiya \u00fcsulu il\u0259 \u00e7al\u0131\u015f\u0131rlar ki, \u00f6d\u0259ni\u015fi vaxt\u0131nda t\u0259min etsinl\u0259r. Bundan ba\u015fqa, kredit t\u0259\u015fkilatlar\u0131 \u00e7al\u0131\u015f\u0131rlar ki, kredit tarix\u00e7\u0259si m\u00fcsb\u0259t olan, el\u0259c\u0259 d\u0259 daimi g\u0259liri olan v\u0259t\u0259nda\u015flara borc versinl\u0259r. Daimi g\u0259lir \u0259m\u0259khaqq\u0131, pensiya v\u0259 dig\u0259r sosial m\u00fcavin\u0259tl\u0259r ola bil\u0259r. Bu halda haradasa i\u015fl\u0259y\u0259n adam yaln\u0131z maa\u015f\u0131 gecik\u0259nd\u0259 kredit \u00f6d\u0259ni\u015fini gecikdirir\u201d.<\/p>\n
Ekspertin s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, gecikm\u0259 g\u00fcnl\u0259rinin say\u0131 30-u ke\u00e7dikd\u0259n kredit t\u0259\u015fkilatlar\u0131 s\u0259rt t\u0259dbirl\u0259r\u0259 \u0259l ata bil\u0259rl\u0259r, amma bunlar\u00a0qanun \u00e7\u0259r\u00e7iv\u0259sind\u0259 ba\u015f verm\u0259lidir:<\/p>\n
\u201cM\u0259s\u0259l\u0259n, bank i\u015f\u00e7isinin borcalan\u0131 t\u0259hdid etm\u0259k, h\u0259d\u0259l\u0259m\u0259k kimi h\u00fcququ yoxdur. O, sad\u0259c\u0259 v\u0259t\u0259nda\u015fa x\u0259b\u0259rdarl\u0131q ed\u0259 bil\u0259r ki, m\u00fcqavil\u0259 il\u0259 \u00fcz\u0259rin\u0259 g\u00f6t\u00fcrd\u00fcy\u00fc \u00f6hd\u0259liy\u0259 \u0259m\u0259k etsin. Bu x\u0259b\u0259rdarl\u0131\u011f\u0131n yaz\u0131l\u0131 v\u0259 yaxud \u015fifahi formada, birba\u015fa kommunikasiya \u00fcsullar\u0131ndan istifad\u0259 etm\u0259kl\u0259 telefonla v\u0259 yaxud dig\u0259r formada v\u0259t\u0259nda\u015fa \u00e7atd\u0131r\u0131lmas\u0131 ba\u015fad\u00fc\u015f\u00fcl\u0259ndir. Banklar kollektor agentlikl\u0259rinin xidm\u0259tl\u0259rind\u0259n d\u0259 istifad\u0259 ed\u0259 bil\u0259r. B\u00fct\u00fcn bunlar da beyn\u0259lxalq t\u0259cr\u00fcb\u0259d\u0259 var v\u0259 kredit \u00f6d\u0259m\u0259 m\u0259d\u0259niyy\u0259tinin formala\u015fmas\u0131na xidm\u0259t edir\u201d.<\/p>\n
Dig\u0259r ekspert Xalid K\u0259rimli is\u0259 hesab edir ki, Az\u0259rbaycanda kredit \u00f6d\u0259m\u0259k m\u0259d\u0259niyy\u0259tinin formala\u015fd\u0131\u011f\u0131n\u0131 dem\u0259k olar:<\/p>\n
\u201cMaliyy\u0259 sektoru devalvasiyadan sonra \u0259ziyy\u0259t \u00e7\u0259kdi, amma haz\u0131rda kreditl\u0259rin \u00f6d\u0259nilm\u0259si bax\u0131m\u0131ndan v\u0259ziyy\u0259t yax\u015f\u0131d\u0131r. X\u00fcsusil\u0259 son 2 ild\u0259 fiziki \u015f\u0259xsl\u0259r\u0259 kreditl\u0259rin verilm\u0259si ciddi n\u0259zar\u0259t alt\u0131ndad\u0131r. Odur ki, kreditl\u0259r vaxt\u0131nda \u00f6d\u0259nilir. Qald\u0131 ki, m\u00fc\u015ft\u0259rini krediti \u00f6d\u0259m\u0259k \u00fc\u00e7\u00fcn n\u0259y\u0259s\u0259 m\u0259cbur etm\u0259y\u0259, banklar yaln\u0131z onun \u00f6hd\u0259liyini yad\u0131na sala bil\u0259rl\u0259r. Bank i\u015f\u00e7il\u0259rinin m\u0259d\u0259ni v\u0259 n\u0259zak\u0259tli davranmas\u0131, m\u00fc\u015ft\u0259rinin \u00f6hd\u0259likl\u0259ri haqq\u0131nda ona etika \u00e7\u0259r\u00e7iv\u0259sind\u0259 m\u0259lumat verm\u0259si vacibdir\u201d.<\/p>\n
Bu il noyabr\u0131n 1-n\u0259 Az\u0259rbaycanda vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rin m\u0259bl\u0259\u011fi 440,4 milyon manat t\u0259\u015fkil edib. Bu, oktyabr\u0131n 1-i il\u0259 m\u00fcqayis\u0259d\u0259 15,3% azd\u0131r.<\/p>\n
\u00d6lk\u0259d\u0259 problemli kreditl\u0259rin m\u0259bl\u0259\u011fi ilin \u0259vv\u0259lin\u0259 nisb\u0259t\u0259n 25,8%, son 1 ild\u0259 is\u0259 31,8% azal\u0131b.<\/p>\n
Bu il oktyabr\u0131n sonuna vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rin \u00fcmumi kredit portfelind\u0259 x\u00fcsusi \u00e7\u0259kisi 1,9% t\u0259\u015fkil edib. Bu nisb\u0259t sentyabr\u0131n sonuna 2,3%, \u00f6t\u0259n ilin sonuna 2,9%, \u00f6t\u0259n il oktyabr\u0131n sonuna is\u0259 3,2% olub.<\/p>\n","protected":false},"excerpt":{"rendered":"
M\u00fc\u015fahid\u0259l\u0259r g\u00f6st\u0259rir ki, Az\u0259rbaycanda insanlar\u0131n b\u00f6y\u00fck \u0259ks\u0259riyy\u0259ti g\u00f6t\u00fcrd\u00fcy\u00fc kreditin \u00f6d\u0259ni\u015fin\u0259 m\u0259suliyy\u0259tl\u0259 yana\u015fm\u0131r. Kredit m\u00fct\u0259x\u0259ssisl\u0259ri deyirl\u0259r ki, indi \u00f6lk\u0259d\u0259 kredit tarix\u00e7\u0259si ideal olan, y\u0259ni gecikm\u0259 g\u00fcnl\u0259rinin say\u0131 s\u0131f\u0131r olan m\u00fc\u015ft\u0259ril\u0259r\u0259 nadir hallarda rast g\u0259linir. Y\u0259ni, kredit g\u00f6t\u00fcr\u0259nl\u0259rin az hiss\u0259si onun \u00f6d\u0259ni\u015fini vaxt\u0131nda h\u0259yata ke\u00e7irir. \u018fks\u0259r m\u00fc\u015ft\u0259ril\u0259rd\u0259 1-2 g\u00fcn bel\u0259 olsa gecikm\u0259 qeyd\u0259 al\u0131n\u0131r. B\u0259zi m\u00fc\u015ft\u0259ril\u0259r is\u0259 borcu alan kimi, kredit t\u0259\u015fkilat\u0131n\u0131n \u00fcnvan\u0131n\u0131 yaddan \u00e7\u0131xar\u0131rlar. Y\u0259ni, onlar\u0131 b\u0259ri ba\u015fdan q\u0259til\u0259\u015fdirirl\u0259r ki, krediti \u00f6d\u0259m\u0259y\u0259c\u0259kl\u0259r. B\u0259s Az\u0259rbaycanda kredit \u00f6d\u0259m\u0259k m\u0259d\u0259niyy\u0259ti varm\u0131? \u201cReport\u201d m\u00f6vzunu maliyy\u0259 bazar\u0131 \u00fczr\u0259 ekspertl\u0259rl\u0259 m\u00fczakir\u0259 edib. Ekspert R\u0259\u015fad H\u0259s\u0259nov deyir ki,…<\/p>\n","protected":false},"author":2,"featured_media":278519,"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\/2021\/01\/pulllll.jpg",620,335,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2021\/01\/pulllll.jpg",620,335,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2021\/01\/pulllll.jpg",620,335,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2021\/01\/pulllll-150x150.jpg",150,150,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2021\/01\/pulllll-300x162.jpg",300,162,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2021\/01\/pulllll.jpg",620,335,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2021\/01\/pulllll.jpg",620,335,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2021\/01\/pulllll.jpg",620,335,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2021\/01\/pulllll-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2021\/01\/pulllll.jpg",620,335,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":"M\u00fc\u015fahid\u0259l\u0259r g\u00f6st\u0259rir ki, Az\u0259rbaycanda insanlar\u0131n b\u00f6y\u00fck \u0259ks\u0259riyy\u0259ti g\u00f6t\u00fcrd\u00fcy\u00fc kreditin \u00f6d\u0259ni\u015fin\u0259 m\u0259suliyy\u0259tl\u0259 yana\u015fm\u0131r. Kredit m\u00fct\u0259x\u0259ssisl\u0259ri deyirl\u0259r ki, indi \u00f6lk\u0259d\u0259 kredit tarix\u00e7\u0259si ideal olan, y\u0259ni gecikm\u0259 g\u00fcnl\u0259rinin say\u0131 s\u0131f\u0131r olan m\u00fc\u015ft\u0259ril\u0259r\u0259 nadir hallarda rast g\u0259linir. Y\u0259ni, kredit g\u00f6t\u00fcr\u0259nl\u0259rin az hiss\u0259si onun \u00f6d\u0259ni\u015fini vaxt\u0131nda h\u0259yata ke\u00e7irir. \u018fks\u0259r m\u00fc\u015ft\u0259ril\u0259rd\u0259 1-2 g\u00fcn bel\u0259 olsa gecikm\u0259 qeyd\u0259 al\u0131n\u0131r. B\u0259zi m\u00fc\u015ft\u0259ril\u0259r is\u0259…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/673432"}],"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=673432"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/673432\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/278519"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=673432"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=673432"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=673432"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}