2023-c\u00fc il Az\u0259rbaycan\u0131n s\u0131\u011forta sektoru \u00fc\u00e7\u00fcn yaddaqalan il olub.<\/p>\n
Qeyd ed\u0259k ki, \u201cS\u0131\u011forta f\u0259aliyy\u0259ti haqq\u0131nda\u201d qanun il \u0259rzind\u0259 bir ne\u00e7\u0259 d\u0259f\u0259 d\u0259yi\u015fib. Bununla da, Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131na (AMB) t\u0259krars\u0131\u011forta il\u0259 ba\u011fl\u0131 minimum t\u0259l\u0259bl\u0259ri m\u00fc\u0259yy\u0259n etm\u0259k s\u0259lahiyy\u0259ti verilib, s\u0131\u011forta sektorunda \u201cM\u00fch\u00fcm i\u015ftirak pay\u0131\u201d\u00a0anlay\u0131\u015f\u0131 yenil\u0259nib.<\/p>\n
Az\u0259rbaycanda s\u0131\u011forta \u015firk\u0259tl\u0259rinin say\u0131 3 illik fasil\u0259d\u0259n sonra \u00f6t\u0259n il azal\u0131b. AMB \u201cG\u00fcnay S\u0131\u011forta\u201d v\u0259 \u201cNax\u00e7\u0131van S\u0131\u011forta\u201d ASC-l\u0259rin lisenziyalar\u0131n\u0131 l\u0259\u011fv edib. Onlar bazar\u0131 k\u00f6n\u00fcll\u00fc – \u00f6zl\u0259rinin m\u00fcraci\u0259ti \u0259sas\u0131nda t\u0259rk edibl\u0259r. Bununla da, \u00f6lk\u0259d\u0259 s\u0131\u011forta \u015firk\u0259tl\u0259rinin say\u0131 20-d\u0259n 18-\u0259 d\u00fc\u015f\u00fcb.<\/p>\n
\u00d6t\u0259n il Az\u0259rbaycan bazar\u0131na yeni t\u0259krars\u0131\u011forta \u015firk\u0259ti daxil olmasa da, bu n\u00f6v f\u0259aliyy\u0259t \u00fc\u00e7\u00fcn lisenziyaya malik olan \u015firk\u0259tl\u0259rin say\u0131 art\u0131b. AMB \u201cQala S\u0131\u011forta\u201d ASC-y\u0259 t\u0259krars\u0131\u011forta lisenziyas\u0131 verib. Ondan ba\u015fqa, \u201cAzs\u0131\u011forta\u201d, \u201cXalq S\u0131\u011forta\u201d, \u201cQala S\u0131\u011forta\u201d, \u201cMeqa S\u0131\u011forta\u201d\u00a0v\u0259 \u201cPA\u015eA S\u0131\u011forta\u201d\u00a0ASC-l\u0259r d\u0259 h\u0259min lisenziyaya malikdir. Bundan ba\u015fqa, \u00f6lk\u0259d\u0259 yaln\u0131z t\u0259krars\u0131\u011forta f\u0259aliyy\u0259ti il\u0259 m\u0259\u015f\u011ful olan 1 \u015firk\u0259t – \u201cAzRe T\u0259krars\u0131\u011forta\u201d\u00a0ASC d\u0259 f\u0259aliyy\u0259tini davam etdirir.<\/p>\n
Hesabat d\u00f6vr\u00fcnd\u0259 AMB s\u0131\u011forta bazar\u0131nda \u201ct\u0259mizl\u0259m\u0259 i\u015fl\u0259ri\u201dni d\u0259 davam etdirib. Xeyli sayda s\u0131\u011forta vasit\u0259\u00e7isinin –\u00a0s\u0131\u011forta agentl\u0259rinin v\u0259 brokerl\u0259rinin lisenziyalar\u0131 l\u0259\u011fv edilib. Onlar\u0131n bir qismi bazardan k\u00f6n\u00fcll\u00fc \u00e7\u0131x\u0131b, bir qismi is\u0259 a\u015fkar olunmu\u015f n\u00f6qsanlar\u0131 vaxt\u0131nda aradan qald\u0131rmad\u0131qlar\u0131 \u00fc\u00e7\u00fcn bazardan k\u0259narla\u015fd\u0131r\u0131l\u0131blar.<\/p>\n
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\u00d6t\u0259n il Az\u0259rbaycanda iki\u00a0s\u0131\u011forta \u015firk\u0259ti – \u201c\u0130p\u0259k Yolu S\u0131\u011forta\u201d v\u0259 \u201cA-Qrup S\u0131\u011forta\u201d ASC-l\u0259r \u00f6z ist\u0259kl\u0259ri \u0259sas\u0131nda lisenziyalar\u0131n\u0131n q\u00fcvv\u0259sini m\u0259hdudla\u015fd\u0131r\u0131b. Birincisi \u201cAvton\u0259qliyyat vasit\u0259si sahibl\u0259rinin m\u00fclki m\u0259suliyy\u0259tinin icbari s\u0131\u011fortas\u0131\u201d bazar\u0131nda, ikincisi is\u0259 \u201cAvton\u0259qliyyat vasit\u0259si sahibl\u0259rinin m\u00fclki m\u0259suliyy\u0259tinin icbari s\u0131\u011fortas\u0131\u201d, \u201cDa\u015f\u0131nmaz \u0259mlak\u0131n icbari s\u0131\u011fortas\u0131\u201d v\u0259 \u201cDa\u015f\u0131nmaz \u0259mlak\u0131n istismar\u0131 il\u0259 ba\u011fl\u0131 m\u00fclki m\u0259suliyy\u0259tin icbari s\u0131\u011fortas\u0131\u201d bazarlar\u0131nda f\u0259aliyy\u0259tini dayand\u0131r\u0131b.<\/p>\n
2023-c\u00fc ild\u0259 Az\u0259rbaycanda toplan\u0131lm\u0131\u015f s\u0131\u011forta haqlar\u0131n\u0131n m\u0259bl\u0259\u011fi ilk d\u0259f\u0259 bir\u00a0milyard manat\u0131 ke\u00e7ib. S\u0131\u011forta \u00f6d\u0259ni\u015fl\u0259ri \u00fczr\u0259 d\u0259 rekord m\u0259bl\u0259\u011f qeyd\u0259 al\u0131n\u0131b. Sumqay\u0131t \u015f\u0259h\u0259rinin Hac\u0131 Zeynalabdin q\u0259s\u0259b\u0259sind\u0259 yerl\u0259\u015f\u0259n, \u201cAz\u0259rsun Holdinq\u201d\u00a0MMC-y\u0259 m\u0259xsus \u201cAz\u0259rsun S\u0259naye Park\u0131\u201dnda \u00f6t\u0259n ilin aprel ay\u0131nda ba\u015f vermi\u015f yan\u011f\u0131n hadis\u0259sin\u0259 g\u00f6r\u0259 25 milyon manat s\u0131\u011forta \u00f6d\u0259ni\u015fi verilib. \u00d6d\u0259ni\u015fi \u201cAz\u0259rbaycan S\u0259naye S\u0131\u011forta\u201d ASC \u201cDa\u015f\u0131nmaz \u0259mlak\u0131n icbari s\u0131\u011fortas\u0131\u201d, el\u0259c\u0259 d\u0259 \u201c\u018fmlak\u0131n yan\u011f\u0131ndan v\u0259 dig\u0259r riskl\u0259rd\u0259n s\u0131\u011fortas\u0131” \u00fczr\u0259 h\u0259yata ke\u00e7irib.<\/p>\n
\u0130l \u0259rzind\u0259 Az\u0259rbaycan\u0131n bank v\u0259 s\u0131\u011forta sektorlar\u0131 intensiv \u0259m\u0259kda\u015fl\u0131\u011fa ba\u015flay\u0131b. \u201cAz\u0259rbaycan Banklar Assosiasiyas\u0131\u201d\u00a0(ABA) v\u0259 \u201cAz\u0259rbaycan S\u0131\u011forta\u00e7\u0131lar Assosiasiyas\u0131\u201d\u00a0(ASA) ictimai birlikl\u0259ri \u0259halinin v\u0259 biznesin m\u00fcxt\u0259lif xarakterli riskl\u0259r\u0259 qar\u015f\u0131 m\u00fcdafi\u0259sinin g\u00fccl\u0259ndirilm\u0259si m\u0259qs\u0259dil\u0259 geni\u015fmiqyasl\u0131 intensiv \u0259m\u0259kda\u015fl\u0131q platformas\u0131 formala\u015fd\u0131r\u0131b. Platforma bank m\u00fc\u015ft\u0259ril\u0259rinin h\u0259yat\u0131, sa\u011flaml\u0131\u011f\u0131 v\u0259 \u0259mlak\u0131 il\u0259 ba\u011fl\u0131 m\u00f6vcud olan riskl\u0259r\u0259 qar\u015f\u0131 s\u0131\u011forta t\u0259minat\u0131n\u0131n geni\u015fl\u0259ndirilm\u0259sini, bu m\u0259qs\u0259dl\u0259 m\u00fc\u015ft\u0259ril\u0259r\u0259 d\u0259y\u0259r qazand\u0131ran s\u0131\u011forta m\u0259hsullar\u0131n\u0131n birg\u0259 inki\u015faf etdirilm\u0259sini v\u0259 m\u00fc\u015ft\u0259ril\u0259r\u0259 t\u0259qdim edilm\u0259sini n\u0259z\u0259rd\u0259 tutur.<\/p>\n
ASA-dan s\u00f6z d\u00fc\u015fm\u00fc\u015fk\u0259n, \u00f6t\u0259n il qurumun M\u00fc\u015fahid\u0259 \u015euras\u0131na yeni s\u0259dr se\u00e7ilib. \u015euraya r\u0259hb\u0259rlik \u201cPA\u015eA S\u0131\u011forta\u201d ASC-nin \u0130dar\u0259 Hey\u0259tinin (\u0130H) s\u0259dri \u00dclviyy\u0259 Cabbarovaya h\u0259val\u0259 olunub. O, yeni v\u0259zif\u0259sind\u0259 \u018fm\u0259k v\u0259 \u018fhalinin Sosial M\u00fcdafi\u0259si Nazirliyinin Dayan\u0131ql\u0131 v\u0259 Operativ Sosial T\u0259minat (DOST) Agentliyinin \u0130H s\u0259drinin m\u00fc\u015faviri t\u0259yin edilmi\u015f v\u0259 bununla da s\u0131\u011forta sektorunu t\u0259rk etmi\u015f \u201cAt\u0259\u015fgah S\u0131\u011forta\u201d\u00a0ASC-nin \u0130H-nin ke\u00e7mi\u015f s\u0259dri Az\u0259r \u018fliyevi \u0259v\u0259zl\u0259yib.<\/p>\n
2023-c\u00fc ilin daha bir m\u00fch\u00fcm hadis\u0259si is\u0259 Az\u0259rbaycan\u0131n s\u0131\u011forta xidm\u0259tl\u0259rinin ixrac\u0131na ba\u015flamas\u0131 olub. \u0130cbari S\u0131\u011forta B\u00fcrosunun (\u0130SB) bununla ba\u011fl\u0131 Beyn\u0259lxalq B\u00fcrolar \u015euras\u0131 (BB\u015e) il\u0259 \u0259ld\u0259 etdiyi raz\u0131l\u0131\u011fa \u0259sas\u0259n, yerli s\u0131\u011forta \u015firk\u0259tl\u0259ri G\u00fcrc\u00fcstan v\u0259 Qazax\u0131standan olan s\u00fcr\u00fcc\u00fcl\u0259r\u0259 \u201cYa\u015f\u0131l Kart\u201d\u00a0satma\u011fa ba\u015flay\u0131blar.<\/p>\n
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\u00d6t\u0259n ilin yekunlar\u0131n\u0131 \u201cReport\u201da \u015f\u0259rh ed\u0259n ASA-n\u0131n icra\u00e7\u0131 direktoru Elmar Mirsalayev bildirib:<\/p>\n
\u201c2023-c\u00fc il ist\u0259r yerli s\u0131\u011forta bazar\u0131nda h\u0259yata ke\u00e7iril\u0259n lokal islahatlar, ist\u0259rs\u0259 d\u0259 s\u0131\u011forta sektorunun beyn\u0259lxalq \u0259laq\u0259l\u0259ri bax\u0131m\u0131ndan olduqca yaddaqalan il oldu. X\u00fcsusil\u0259 qeyd etm\u0259k ist\u0259yir\u0259m ki, \u0259ld\u0259 olunan u\u011furlar AMB-nin h\u0259yata ke\u00e7irdiyi u\u011furlu v\u0259 m\u0259qs\u0259dy\u00f6nl\u00fc n\u0259zar\u0259t v\u0259 t\u0259nziml\u0259m\u0259 siyas\u0259ti il\u0259 bilavasit\u0259 ba\u011fl\u0131d\u0131r.<\/p>\n
Bel\u0259 ki, \u00f6lk\u0259d\u0259 h\u0259yata ke\u00e7iril\u0259n 3 illik geni\u015fmiqyasl\u0131 maarifl\u0259ndirm\u0259 layih\u0259sin\u0259 2023-c\u00fc ild\u0259 yekun vuruldu, 2024-c\u00fc ild\u0259n bu layih\u0259nin yenid\u0259n davam etdirilm\u0259si il\u0259 ba\u011fl\u0131 raz\u0131l\u0131q \u0259ld\u0259 olundu. Bu layih\u0259 n\u0259tic\u0259sind\u0259 m\u00f6vcud v\u0259 potensial s\u0131\u011fortal\u0131larda s\u0131\u011forta xidm\u0259tl\u0259rin\u0259 maraq v\u0259 inam y\u00fcks\u0259lm\u0259y\u0259 ba\u015flad\u0131 ki, bu da statistik n\u0259tic\u0259l\u0259rd\u0259 y\u0131\u011f\u0131mlar\u0131n \u00f6lk\u0259 s\u0131\u011forta tarixind\u0259 ilk d\u0259f\u0259 bir\u00a0milyard manat\u0131 \u00f6tm\u0259si il\u0259 \u00f6z\u00fcn\u00fc g\u00f6st\u0259rdi\u201d.<\/p>\n
E.Mirsalayev qeyd edib ki, b\u00fct\u00fcn bunlarla paralel olaraq beyn\u0259lxalq m\u00fcnasib\u0259tl\u0259rin inki\u015faf\u0131 sektorda yeni bir canlanma yarad\u0131b:<\/p>\n
\u201cBildiyiniz kimi, 2022-ci ild\u0259 Az\u0259rbaycan, T\u00fcrkiy\u0259, Qazax\u0131stan, Q\u0131r\u011f\u0131z\u0131stan v\u0259 \u00d6zb\u0259kistan s\u0131\u011forta\u00e7\u0131lar birlikl\u0259rinin \u00fczvl\u00fcy\u00fc il\u0259 d\u00fcnyada ilk d\u0259f\u0259 T\u00fcrk D\u00fcnyas\u0131 S\u0131\u011forta Birliyi yarad\u0131l\u0131b, ASA birliyin \u201cYol x\u0259rit\u0259si\u201dni haz\u0131rlay\u0131b. \u00d6t\u0259n il s\u0259n\u0259di \u00fczv d\u00f6vl\u0259tl\u0259r q\u0259bul etdi v\u0259 sevindirici hald\u0131r ki, Birliyin T\u00fcrk D\u00f6vl\u0259tl\u0259ri T\u0259\u015fkilat\u0131n\u0131n (TDT) himay\u0259sin\u0259 daxil edilm\u0259si il\u0259 ba\u011fl\u0131 TDT katibliyi \u00fczv \u00f6lk\u0259l\u0259r\u0259 r\u0259smi m\u00fcraci\u0259t \u00fcnvanlad\u0131. \u00d6lk\u0259mizin aidiyy\u0259ti r\u0259smi d\u00f6vl\u0259t orqanlar\u0131 TDT-nin m\u00fcraci\u0259tin\u0259 m\u00fcsb\u0259t reaksiya verdi v\u0259 haz\u0131rda bu istiqam\u0259td\u0259 ciddi i\u015f apar\u0131l\u0131r.<\/p>\n
Daha bir q\u00fcrurverici x\u0259b\u0259r ondan ibar\u0259tdir ki, T\u00fcrk D\u00fcnyas\u0131 S\u0131\u011forta Birliyinin ilk assambleyas\u0131n\u0131\u00a02024-c\u00fc ild\u0259 t\u00fcrk d\u00fcnyas\u0131n\u0131n m\u0259d\u0259niyy\u0259t paytaxt\u0131 olan \u015eu\u015fa \u015f\u0259h\u0259rind\u0259 ger\u00e7\u0259kl\u0259\u015fdirm\u0259yi planla\u015fd\u0131r\u0131r\u0131q, bu istiqam\u0259td\u0259 dan\u0131\u015f\u0131qlar apar\u0131r, t\u0259\u015fkilati i\u015fl\u0259ri h\u0259ll edirik. 2024-c\u00fc il ist\u0259r \u00f6lk\u0259mizd\u0259 m\u00fc\u0259yy\u0259n fasil\u0259d\u0259n sonra yenid\u0259n t\u0259\u015fkil olunacaq Beyn\u0259lxalq S\u0131\u011forta Forumu, ist\u0259r T\u00fcrk D\u00fcnyas\u0131 S\u0131\u011forta Birliyinin \u015eu\u015fa Assambleyas\u0131, ist\u0259rs\u0259 d\u0259 dig\u0259r k\u00fctl\u0259vi t\u0259dbirl\u0259rl\u0259 yerli s\u0131\u011forta bazar\u0131 \u00fc\u00e7\u00fcn h\u0259r\u0259k\u0259tli v\u0259 yenilikl\u0259rl\u0259 z\u0259ngin bir il olacaq\u201d.<\/p>\n
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\u0130cbari S\u0131\u011forta B\u00fcrosunun (\u0130SB) \u0130cra\u00e7\u0131 direktoru R\u0259\u015fad \u018fhm\u0259dov hesab edir ki, 2023-c\u00fc il icbari s\u0131\u011forta bazar\u0131 \u00fc\u00e7\u00fcn yeni imkanlar, habel\u0259 uzun zamand\u0131r g\u00f6zl\u0259nil\u0259n v\u0259 \u00fcz\u0259rind\u0259 i\u015f apar\u0131lan yenilikl\u0259rin realla\u015fd\u0131\u011f\u0131 bir il olub:<\/p>\n
\u201c\u0130lk olaraq onu vur\u011fulamaq ist\u0259yir\u0259m ki, gerid\u0259 qoydu\u011fumuz ild\u0259 s\u0131\u011forta sektorunda t\u0259nziml\u0259m\u0259 v\u0259 n\u0259zar\u0259t funksiyalar\u0131n\u0131n h\u0259yata ke\u00e7ir\u0259n M\u0259rk\u0259zi Bank\u0131n birba\u015fa n\u0259zar\u0259ti alt\u0131nda avton\u0259qliyyat vasit\u0259si sahibl\u0259rinin m\u00fclki m\u0259suliyy\u0259tinin icbari s\u0131\u011fortas\u0131 n\u00f6v\u00fc \u00fczr\u0259 bir s\u0131ra m\u00fch\u00fcm q\u0259rarlar q\u0259bul edildi. Q\u0259rarlardan biri d\u0259 bu n\u00f6v \u00fczr\u0259 s\u0131\u011forta m\u00fcqavil\u0259si ba\u011flayan s\u0131\u011forta\u00e7\u0131lar\u0131n r\u0259smi internet s\u0259hif\u0259sin\u0259 dair yeni t\u0259l\u0259bin m\u00fc\u0259yy\u0259n edilm\u0259si oldu. H\u0259min d\u0259yi\u015fiklikl\u0259r\u0259 \u0259sas\u0259n, avtoicbari n\u00f6v\u00fcn apar\u0131lmas\u0131na icaz\u0259 almaq ist\u0259y\u0259n h\u0259r bir s\u0131\u011forta\u00e7\u0131 s\u0131\u011fortal\u0131larla m\u00fcvafiq icbari s\u0131\u011forta m\u00fcqavil\u0259sinin \u00f6z r\u0259smi internet s\u0259hif\u0259si vasit\u0259sil\u0259 qanunvericiliy\u0259 uy\u011fun olaraq ba\u011flanmas\u0131 imkan\u0131na malik olmal\u0131d\u0131r. M\u00fcvafiq s\u0131\u011forta n\u00f6v\u00fcn\u00fcn apar\u0131lmas\u0131na icaz\u0259si olan s\u0131\u011forta\u00e7\u0131lar \u00f6z r\u0259smi internet s\u0259hif\u0259sinin texniki imkanlar\u0131n\u0131 yaratd\u0131lar v\u0259 bununla da ad\u0131\u00e7\u0259kil\u0259n m\u0259hsulun daha rahat v\u0259 operativ \u0259ld\u0259 olunmas\u0131 \u00fc\u00e7\u00fcn digital\u00a0islahat t\u0259dbiri h\u0259yata ke\u00e7irildi. Bu da avto icbari s\u0131\u011forta m\u0259hsuluna \u0259l\u00e7atanl\u0131\u011f\u0131 tam t\u0259min etmi\u015f oldu\u201d.<\/p>\n
R.\u018fhm\u0259dov vur\u011fulay\u0131b ki, s\u0131\u011forta \u015firk\u0259tl\u0259rinin m\u00fc\u015ft\u0259ril\u0259r\u0259 qar\u015f\u0131 selektiv yana\u015fmalar\u0131n\u0131n qar\u015f\u0131s\u0131n\u0131n al\u0131nmas\u0131 \u00fc\u00e7\u00fcn \u0130SB veb-s\u0259hif\u0259si \u00fcz\u0259rind\u0259n birba\u015fa ke\u00e7idl\u0259ri v\u0259t\u0259nda\u015flar\u0131n xidm\u0259tin\u0259 t\u0259qdim edib v\u0259 aral\u0131qs\u0131z monitorinql\u0259rl\u0259 \u0259l\u00e7atanl\u0131q probleminin qar\u015f\u0131s\u0131n\u0131 al\u0131b.<\/p>\n
\u201cDaha bir yenilik is\u0259 ondan ibar\u0259t olub ki, 2023-c\u00fc ild\u0259 \u0130cbari S\u0131\u011forta B\u00fcrosu il\u0259 \u0130qtisadiyyat Nazirliyi yan\u0131nda \u018fmlak M\u0259s\u0259l\u0259l\u0259ri D\u00f6vl\u0259t Xidm\u0259ti aras\u0131nda apar\u0131lan elektron informasiya inteqrasiyas\u0131 prosesi yekunla\u015f\u0131b v\u0259 paralel olaraq Da\u015f\u0131nmaz \u0259mlak\u0131n icbari s\u0131\u011fortas\u0131 il\u0259 Da\u015f\u0131nmaz \u0259mlak\u0131n istismar\u0131 il\u0259 ba\u011fl\u0131 m\u00fclki m\u0259suliyy\u0259tin icbari s\u0131\u011fortas\u0131 n\u00f6vl\u0259ri \u00fczr\u0259 \u015f\u0259had\u0259tnam\u0259l\u0259r ka\u011f\u0131z da\u015f\u0131y\u0131c\u0131dan elektron formaya ke\u00e7irilib. Burada \u0259mlak\u0131n s\u0131\u011fortalanmas\u0131 il\u0259 \u0259laq\u0259dar laz\u0131mi m\u0259lumatlar m\u00fcvafiq d\u00f6vl\u0259t qurumundan t\u0259min edilir v\u0259 qanunvericiliy\u0259 uy\u011fun olaraq g\u00f6st\u0259ril\u0259n dig\u0259r qurumlarla elektron inteqrasiyalar h\u0259yata ke\u00e7irilir. B\u00fct\u00fcn elektron informasiya sisteml\u0259ri il\u0259 olan inteqrasiyalardan sonra art\u0131q Az\u0259rbaycanda \u0130SB-nin sistemi vasit\u0259sil\u0259 burax\u0131lan icbari s\u0131\u011forta \u015f\u0259had\u0259tnam\u0259l\u0259ri elektronla\u015f\u0131b, ka\u011f\u0131z s\u0131\u011forta \u015f\u0259had\u0259tnam\u0259l\u0259ri tarix\u0259 qovu\u015fub. Tam elektronla\u015fma s\u0131\u011forta \u015f\u0259had\u0259tnam\u0259sinin olub-olmamas\u0131na n\u0259zar\u0259t etm\u0259y\u0259 imkan ver\u0259c\u0259k. Bu is\u0259 Az\u0259rbaycanda penetrasiyan\u0131n ciddi \u015f\u0259kild\u0259 artmas\u0131na s\u0259b\u0259b olacaq”, – dey\u0259 \u0130SB-nin r\u0259hb\u0259ri bildirib.<\/p>\n
R.\u018fhm\u0259dov da\u015f\u0131nmaz \u0259mlak\u0131n icbari s\u0131\u011fortas\u0131 bazar\u0131nda b\u00f6y\u00fcm\u0259 qeyd\u0259 al\u0131nd\u0131\u011f\u0131n\u0131 qeyd ed\u0259r\u0259k bildirib ki, 2023-c\u00fc ilin 10 ay\u0131nda ad\u0131 \u00e7\u0259kil\u0259n n\u00f6v \u00fczr\u0259 y\u0131\u011f\u0131mlar 2022-ci ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 23 milyon manat artaraq 68,6 milyon manat t\u0259\u015fkil edib.<\/p>\n
\u201c2023-c\u00fc il h\u0259m d\u0259 beyn\u0259lxalq t\u0259cr\u00fcb\u0259nin \u00f6yr\u0259nilm\u0259si bax\u0131m\u0131ndan da yerli bazar \u00fc\u00e7\u00fcn m\u0259hsuldar bir il say\u0131la bil\u0259r. Bel\u0259 ki, il \u0259rzind\u0259 s\u0131\u011fortada z\u0259r\u0259rl\u0259rin vahid sistem \u00fcz\u0259rind\u0259n qiym\u0259tl\u0259ndirilm\u0259si v\u0259 hesablanmas\u0131 t\u0259cr\u00fcb\u0259sinin \u00f6yr\u0259nilm\u0259si \u00fc\u00e7\u00fcn Moskva v\u0259 \u0130stanbul \u015f\u0259h\u0259rl\u0259rin\u0259 silsil\u0259 s\u0259f\u0259rl\u0259r t\u0259\u015fkil olunub. M\u00fcvafiq s\u0259f\u0259rl\u0259rd\u0259 iki \u00f6lk\u0259 t\u0259cr\u00fcb\u0259sinin lokal bazarda t\u0259tbiqi imkanlar\u0131 geni\u015f ara\u015fd\u0131r\u0131l\u0131b. \u018fld\u0259 edil\u0259n t\u0259cr\u00fcb\u0259nin t\u0259tbiqi z\u0259r\u0259rl\u0259rin vahid yana\u015fma il\u0259 icras\u0131na t\u00f6hf\u0259 ver\u0259r\u0259k, s\u0131\u011forta bazar\u0131n\u0131n yeni s\u0259hif\u0259y\u0259 ke\u00e7idini t\u0259min ed\u0259c\u0259k.<\/p>\n
Hesab edir\u0259m ki, 2024-c\u00fc il d\u0259 yerli s\u0131\u011forta bazar\u0131 \u00fc\u00e7\u00fcn s\u0259m\u0259r\u0259li, n\u0259tic\u0259y\u00f6n\u00fcml\u00fc v\u0259 yeni inki\u015faf meyill\u0259rini \u00f6z\u00fcnd\u0259 birl\u0259\u015fdir\u0259n bir il olacaq”, – dey\u0259 \u0130SB-nin r\u0259rb\u0259ri \u0259lav\u0259 edib.<\/p>\n
<\/p>\n
ASA-n\u0131n qeyri-h\u0259yat s\u0131\u011fortalar\u0131 \u00fczr\u0259 ekspert qrupunun \u00fczv\u00fc Emin Allahverdiyev \u0259mindir ki, 2023-c\u00fc il s\u0131\u011forta sektoru \u00fc\u00e7\u00fcn kifay\u0259t q\u0259d\u0259r yaddaqalan il olub:<\/p>\n
\u201cYerli s\u0131\u011forta bazar\u0131n\u0131n dayan\u0131ql\u0131 inki\u015faf\u0131 v\u0259 b\u00f6y\u00fcm\u0259si, bu istiqam\u0259td\u0259 islahatlar\u0131n apar\u0131lmas\u0131 ist\u0259r n\u0259tic\u0259lilik bax\u0131m\u0131ndan, ist\u0259rs\u0259 d\u0259 maarifl\u0259ndirm\u0259 istiqam\u0259tind\u0259 sektorun inki\u015faf\u0131n\u0131 da z\u0259ruri edib.<\/p>\n
Bel\u0259 ki, \u00f6t\u0259n il \u0259rzind\u0259 s\u0131\u011forta y\u0131\u011f\u0131mlar\u0131 ilk d\u0259f\u0259 olaraq bir\u00a0milyard manat\u0131 \u00f6t\u00fcb ki, bu da 2022-ci ilin analoji d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 sektorun s\u0131\u011forta y\u0131\u011f\u0131mlar\u0131 istiqam\u0259tind\u0259 28% b\u00f6y\u00fcm\u0259sini g\u00f6st\u0259rir. S\u0131\u011forta y\u0131\u011f\u0131mlar\u0131 il\u0259 yana\u015f\u0131 s\u0131\u011forta \u00f6d\u0259ni\u015fl\u0259rinin d\u0259 artmas\u0131 m\u00fc\u015fahid\u0259 olunur. Bu da \u00f6z n\u00f6vb\u0259sind\u0259 s\u0131\u011forta y\u0131\u011f\u0131m-\u00f6d\u0259ni\u015f uy\u011funlu\u011funun optimal getdiyini, s\u0131\u011forta \u015firk\u0259tl\u0259ri il\u0259 istehlak\u00e7\u0131lar aras\u0131nda m\u00fcnasib\u0259tl\u0259rin sa\u011flam m\u00fcst\u0259vid\u0259 oldu\u011funu g\u00f6st\u0259rir\u201d.<\/p>\n
Onun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, s\u0131\u011forta sektorunda 2023-c\u00fc ild\u0259 yaddaqalan m\u00fch\u00fcm hadis\u0259l\u0259rd\u0259n biri d\u0259 Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131, Az\u0259rbaycan S\u0131\u011forta\u00e7\u0131lar Assosiasiyas\u0131 v\u0259 \u0130cbari S\u0131\u011forta B\u00fcrosunun birg\u0259 \u0259m\u0259kda\u015fl\u0131\u011f\u0131 \u00e7\u0259r\u00e7iv\u0259sind\u0259 Az\u0259rbaycanda ilk d\u0259f\u0259 \u201cS\u0131\u011forta Festival\u0131\u201dn\u0131n ke\u00e7irilm\u0259si olub:<\/p>\n
\u201cBu festival n\u0259inki regionda, d\u00fcnyada ilk d\u0259f\u0259 ke\u00e7irilirdi. Bak\u0131 \u015f\u0259h\u0259rinin D\u0259nizk\u0259nar\u0131 Milli Park\u0131n\u0131n \u0259razisind\u0259 ba\u015flayan s\u0131\u011forta festival\u0131 daha sonra dig\u0259r regionlarda, o c\u00fcml\u0259d\u0259n Sumqay\u0131t, \u0130smay\u0131ll\u0131, Quba, L\u0259nk\u0259ran, Ming\u0259\u00e7evir, G\u0259d\u0259b\u0259y, \u015e\u0259ki, Zaqatala v\u0259 G\u0259nc\u0259 \u015f\u0259h\u0259rind\u0259 ke\u00e7irildi. Bu t\u0259dbirin \u0259sas konsepsiyas\u0131 geni\u015f \u0259hali qruplar\u0131n\u0131n v\u0259 biznes subyektl\u0259rinin s\u0131\u011forta sah\u0259sind\u0259 bilik v\u0259 t\u0259s\u0259vv\u00fcrl\u0259rinin art\u0131r\u0131lmas\u0131, onlar\u0131n s\u0131\u011forta xidm\u0259tl\u0259rin\u0259 c\u0259lbinin t\u0259\u015fviq edilm\u0259sind\u0259n ibar\u0259t idi. Festivala v\u0259t\u0259nda\u015flar v\u0259 sahibkarlar x\u00fcsusi maraq g\u00f6st\u0259rib, \u0259sas\u0259n d\u0259 regionda f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n biznes subyektl\u0259ri s\u0131\u011forta m\u0259hsullar\u0131 il\u0259 yerind\u0259 tan\u0131\u015f olaraq onlardan yararlan\u0131blar. T\u0259dbir n\u0259tic\u0259sind\u0259 v\u0259t\u0259nda\u015flar il\u0259 s\u0131\u011forta \u015firk\u0259tl\u0259rinin birba\u015fa \u00fcnsiyy\u0259td\u0259 olmas\u0131 s\u0131\u011forta \u0259l\u00e7atanl\u0131\u011f\u0131n\u0131n y\u00fcks\u0259k s\u0259viyy\u0259d\u0259 olmas\u0131n\u0131 bir daha g\u00f6st\u0259rib. Sevindirici hald\u0131r ki, bu kimi \u201cS\u0131\u011forta Festival\u0131\u201dn\u0131n 2024-c\u00fc ild\u0259 d\u0259 t\u0259\u015fkil olunmas\u0131 planla\u015fd\u0131r\u0131l\u0131r\u201d.<\/p>\n
E.Allahverdiyev bildirib ki, qeyri-h\u0259yat s\u0131\u011forta bazar\u0131n\u0131n 2024-c\u00fc il \u00fc\u00e7\u00fcn h\u0259d\u0259fl\u0259ri aras\u0131nda bir s\u0131ra t\u0259dbirl\u0259r, o c\u00fcml\u0259d\u0259n s\u0131\u011forta sisteminin inki\u015faf imkanlar\u0131n\u0131n t\u0259hlili v\u0259 daha s\u0259m\u0259r\u0259li modell\u0259r \u0259sas\u0131nda inki\u015faf meyarlar\u0131n\u0131n t\u0259tbiqi n\u0259z\u0259rd\u0259 tutulur:<\/p>\n
\u201cS\u0131\u011fortan\u0131n qeyri-h\u0259yat sah\u0259sinin dayan\u0131ql\u0131\u011f\u0131 v\u0259 t\u0259kmill\u0259\u015fdirilm\u0259si region \u00f6lk\u0259l\u0259rinin bu sah\u0259d\u0259ki t\u0259cr\u00fcb\u0259l\u0259ri \u00f6yr\u0259nilm\u0259kl\u0259 h\u0259yata ke\u00e7irilir v\u0259 bu da sektorun iqtisadi potensial\u0131n\u0131n g\u00fccl\u0259ndirilm\u0259sin\u0259, institusional inki\u015faf\u0131na v\u0259 uzunm\u00fcdd\u0259tli h\u0259d\u0259fl\u0259rin h\u0259yata ke\u00e7irilm\u0259sin\u0259 imkan yaradacaq. Eyni zamanda s\u0131\u011forta maarifl\u0259ndirilm\u0259si istiqam\u0259tind\u0259 d\u0259 t\u0259dbirl\u0259rin davam etdirilm\u0259si n\u0259z\u0259rd\u0259 tutulur v\u0259 bu t\u0259dbirl\u0259rin \u0259sas mahiyy\u0259ti s\u0131\u011forta savadl\u0131l\u0131\u011f\u0131n\u0131n art\u0131r\u0131lmas\u0131, \u0259hali v\u0259 biznes subyektl\u0259rin\u0259 risk f\u0259rqind\u0259liyinin yarad\u0131lmas\u0131 olacaq.<\/p>\n
Bu il \u00fc\u00e7\u00fcn d\u0259 h\u0259m qeyri-h\u0259yat, h\u0259m d\u0259 h\u0259yat s\u0131\u011fortas\u0131 sah\u0259l\u0259ri \u00fczr\u0259 s\u0131\u011forta y\u0131\u011f\u0131mlar\u0131ndak\u0131 art\u0131m dinamikas\u0131n\u0131n davam ed\u0259c\u0259yi proqnozla\u015fd\u0131r\u0131l\u0131r. Bu fikr\u0259 ist\u0259r h\u0259yata ke\u00e7iril\u0259n irimiqyasl\u0131 layih\u0259l\u0259r, ist\u0259rs\u0259 d\u0259 \u0259halinin s\u0131\u011forta xidm\u0259tl\u0259rin\u0259 olan mara\u011f\u0131n\u0131n artmas\u0131 \u0259sas verir\u201d.<\/p>\n
ASA-n\u0131n h\u0259yat s\u0131\u011fortalar\u0131 \u00fczr\u0259 ekspert qrupunun \u00fczv\u00fc \u015e\u0259hriyar M\u0259cidov 2023-c\u00fc ili \u00fcmumi s\u0131\u011forta bazar\u0131nda oldu\u011fu kimi h\u0259yat s\u0131\u011fortas\u0131 seqmenti \u00fc\u00e7\u00fcn d\u0259 olduqca u\u011furlu bir il kimi yadda qald\u0131\u011f\u0131n\u0131 hesab edir:<\/p>\n
\u201c\u0130lk n\u00f6vb\u0259d\u0259 h\u0259yat s\u0131\u011fortalar\u0131 \u00fczr\u0259 y\u0131\u011f\u0131mlar\u0131n \u00fcmumi s\u0131\u011forta haqlar\u0131ndak\u0131 pay\u0131 \u0259n\u0259n\u0259ni pozmayaraq yen\u0259 \u00f6z \u00e7\u0259kisi il\u0259 x\u00fcsusi lokomotiv rolunu oynay\u0131b. Bu istiqam\u0259td\u0259 biz \u0259l\u0259lx\u00fcsus H\u0259yat\u0131n ya\u015fam s\u0131\u011fortas\u0131 v\u0259 \u0130stehsalatda b\u0259db\u0259xt hadis\u0259l\u0259r v\u0259 pe\u015f\u0259 x\u0259st\u0259likl\u0259ri n\u0259tic\u0259sind\u0259 pe\u015f\u0259 \u0259m\u0259k qabiliyy\u0259tinin itirilm\u0259si hallar\u0131ndan icbari s\u0131\u011forta n\u00f6vl\u0259rini qeyd ed\u0259 bil\u0259rik.<\/p>\n
Bundan \u0259lav\u0259 olaraq, h\u0259yat s\u0131\u011fortas\u0131 bazar\u0131 \u00fc\u00e7\u00fcn 2023-c\u00fc ild\u0259 \u0259n yaddaqalan islahatlardan biri bank-s\u0131\u011forta m\u00fcnasib\u0259tl\u0259rinin yeni m\u00fcst\u0259vid\u0259 inki\u015faf\u0131 m\u0259qs\u0259dil\u0259 at\u0131lm\u0131\u015f add\u0131m olub. Bel\u0259 ki, istehlak krediti g\u00f6t\u00fcr\u0259nl\u0259rin h\u0259yatlar\u0131n\u0131n s\u0131\u011fortalanmas\u0131 il\u0259 ba\u011fl\u0131 m\u0259hsulun yarad\u0131lmas\u0131 m\u0259qs\u0259dil\u0259 ASA il\u0259 ABA aras\u0131nda \u0259m\u0259kda\u015fl\u0131q Memorandumu imzalan\u0131b v\u0259 bununla paralel olaraq m\u00fcvafiq istiqam\u0259td\u0259 t\u0259\u015fkilat komit\u0259si v\u0259 i\u015f\u00e7i qrupu yarad\u0131l\u0131b. Hesab edir\u0259m ki, bu istiqam\u0259td\u0259 g\u00f6r\u00fcl\u0259n i\u015fl\u0259r ist\u0259r istehlak kreditl\u0259ri seqmentind\u0259 n\u00f6vb\u0259ti m\u0259rh\u0259l\u0259d\u0259 problemli kreditl\u0259rin say\u0131n\u0131n azalmas\u0131na, ist\u0259rs\u0259 d\u0259 s\u0131\u011fortan\u0131n b\u00fct\u00fcn istiqam\u0259tl\u0259rd\u0259 bir daha aktuall\u0131q qazanmas\u0131na v\u0259 inki\u015faf\u0131na t\u0259kan ver\u0259c\u0259k\u201d.<\/p>\n
\u015e.M\u0259cidov 2024-c\u00fc ilin \u0259h\u0259miyy\u0259tli d\u0259r\u0259c\u0259d\u0259 aktiv v\u0259 yeni layih\u0259l\u0259rl\u0259 z\u0259ngin bir il olaca\u011f\u0131n\u0131 deyib:<\/p>\n
“2024-c\u00fc ild\u0259n ba\u015fl\u0131ca g\u00f6zl\u0259ntil\u0259rimiz ondan ibar\u0259tdir ki, sektorun inki\u015faf\u0131 y\u00f6n\u00fcnd\u0259 at\u0131lm\u0131\u015f add\u0131mlar, x\u00fcsusil\u0259 d\u0259 maarifl\u0259ndirm\u0259 t\u0259dbirl\u0259ri n\u00f6vb\u0259ti ild\u0259 d\u0259 art\u0131m dinamikas\u0131 v\u0259 b\u00f6y\u00fcm\u0259 tendensiyas\u0131 il\u0259 bizi sevindir\u0259c\u0259k\u201d.<\/p>\n
<\/p>\n
M\u00fcst\u0259qil s\u0131\u011forta eksperti P\u0259rviz Quliyev 2023-c\u00fc ilin s\u0131\u011forta sektoruna t\u0259sirl\u0259rinin n\u0259tic\u0259sini \u00fcr\u0259ka\u00e7an hesab edir:<\/p>\n
“\u00d6t\u0259n il ilk d\u0259f\u0259dir ki, s\u0131\u011forta bazar\u0131 bir\u00a0milyard manatl\u0131q h\u0259d\u0259fi \u00f6td\u00fc v\u0259 bu da \u00e7ox yax\u015f\u0131 bir n\u0259tic\u0259dir. T\u0259bii ki, bu, ill\u0259rdir apar\u0131lan islahatlar, maarifl\u0259ndirm\u0259 t\u0259dbirl\u0259ri v\u0259 eyni zamanda requlyator orqan d\u0259yi\u015fdikd\u0259n sonra M\u0259rk\u0259zi Bank\u0131n bu i\u015f\u0259 yana\u015fmas\u0131nda strategiyan\u0131n v\u0259 bax\u0131\u015f buca\u011f\u0131n\u0131n m\u00fcsb\u0259t y\u00f6nd\u0259 d\u0259yi\u015fm\u0259si n\u0259tic\u0259sind\u0259 realla\u015fd\u0131. B\u00fct\u00fcn d\u00f6vl\u0259tl\u0259rd\u0259 oldu\u011fu kimi maarifl\u0259ndirm\u0259 birinci yerd\u0259 olmal\u0131d\u0131r, \u00e7\u00fcnki inki\u015faf etm\u0259kd\u0259 olan d\u00f6vl\u0259tl\u0259r \u00fc\u00e7\u00fcn bu \u00e7ox \u00f6n\u0259mlidir. M\u0259rk\u0259zi Bank\u0131n bu istiqam\u0259td\u0259 olan 3 illik strategiyas\u0131 2023-c\u00fc ild\u0259 ba\u015fa \u00e7at\u0131b v\u0259 yeni strategiya t\u0259sdiq olunub. Bu maarifl\u0259ndirm\u0259 strategiyas\u0131 \u00e7\u0259r\u00e7iv\u0259sind\u0259 apar\u0131lan i\u015fl\u0259r t\u0259qdir\u0259layiqdir v\u0259 hesab edir\u0259m ki, yerli s\u0131\u011forta bazar\u0131nda bu g\u00fcn\u0259d\u0259k bel\u0259 k\u00fctl\u0259vi v\u0259 planla\u015fd\u0131r\u0131lm\u0131\u015f t\u0259dbirl\u0259r qeyd\u0259 al\u0131nmay\u0131b.<\/p>\n
H\u0259m\u00e7inin sektorda r\u0259q\u0259msalla\u015fma il\u0259 ba\u011fl\u0131 at\u0131lan add\u0131mlar\u0131 da qeyd etm\u0259k laz\u0131md\u0131r. M\u0259s\u0259l\u0259n, bu istiqam\u0259td\u0259 \u0259n k\u00fctl\u0259vi s\u0131\u011forta m\u0259hsulu olan Avton\u0259qliyyat vasit\u0259si sahibl\u0259rinin m\u00fclki m\u0259suliyy\u0259tinin icbari s\u0131\u011fortas\u0131 il\u0259 ba\u011fl\u0131 M\u0259rk\u0259zi Bank t\u0259r\u0259find\u0259n qoyulan t\u0259l\u0259b\u0259 \u0259sas\u0259n, bu n\u00f6v \u00fczr\u0259 sat\u0131\u015f lisenziyas\u0131na malik olan b\u00fct\u00fcn \u015firk\u0259tl\u0259r \u00f6z r\u0259smi veb-saytlar\u0131nda m\u0259hsulun onlayn \u0259ld\u0259 edilm\u0259si il\u0259 ba\u011fl\u0131 b\u00fct\u00fcn texniki imkanlar\u0131 yarad\u0131b. Bu da \u00f6z n\u00f6vb\u0259sind\u0259 n\u00f6vb\u0259ti m\u0259rh\u0259l\u0259d\u0259 dig\u0259r m\u0259hsullar\u0131n elektronla\u015fmas\u0131n\u0131n stimulla\u015fd\u0131r\u0131lmas\u0131na t\u0259kan ver\u0259n amildir”.<\/p>\n
Ekspertin fikrinc\u0259, haz\u0131rda M\u0259rk\u0259zi Bank t\u0259r\u0259find\u0259n m\u00fc\u0259yy\u0259n normativ s\u0259n\u0259dl\u0259rl\u0259 ba\u011fl\u0131 i\u015fl\u0259rin h\u0259yata ke\u00e7ir\u0259c\u0259yi g\u00f6zl\u0259nilir:<\/p>\n
“Bu da ilk n\u00f6vb\u0259d\u0259 korporativ idar\u0259etm\u0259 standartlar\u0131na yenid\u0259n bax\u0131lmas\u0131 v\u0259 s\u0131\u011forta \u015firk\u0259tl\u0259rind\u0259 korporativ idar\u0259etm\u0259nin m\u00fcasir standartlara \u00e7atd\u0131r\u0131lmas\u0131, habel\u0259 bu g\u00fcn Avropa d\u00f6vl\u0259tl\u0259rinin t\u0259tbiq etdiyi standartlar\u0131n yerli s\u0131\u011forta \u015firk\u0259tl\u0259rind\u0259 korporativ idar\u0259etm\u0259y\u0259 t\u0259tbiq olunmas\u0131ndan ibar\u0259tdir. Hesab edir\u0259m ki, bu t\u0259dbirl\u0259r h\u0259yata ke\u00e7irildikd\u0259n sonra yeni-yeni n\u0259tic\u0259 v\u0259 u\u011furlar qeyd\u0259 al\u0131nacaq.<\/p>\n
N\u00f6vb\u0259ti m\u0259rh\u0259l\u0259d\u0259 maarifl\u0259ndirm\u0259 t\u0259dbirl\u0259rinin daha da geni\u015fl\u0259ndirilm\u0259sini v\u0259 s\u0131\u011forta \u015firk\u0259tl\u0259rinin bu proses\u0259 qatq\u0131lar\u0131n\u0131n daha da art\u0131r\u0131lmas\u0131n\u0131 g\u00f6zl\u0259yir\u0259m. Yerli s\u0131\u011forta bazar\u0131nda m\u00f6vcud potensialdan tam istifad\u0259 olunmad\u0131\u011f\u0131n\u0131 n\u0259z\u0259r\u0259 alaraq hesab edir\u0259m ki, bu proses k\u00fctl\u0259vil\u0259\u015f\u0259c\u0259yi t\u0259qdird\u0259 biz s\u0131\u011forta bazar\u0131n\u0131n bug\u00fcnk\u00fc potensial\u0131ndan tam istifad\u0259 etmi\u015f olaca\u011f\u0131q. Bu aktivlik v\u0259 k\u00fctl\u0259vilik t\u0259min olunaca\u011f\u0131 halda \u00e7ox q\u0131sa bir m\u00fcdd\u0259td\u0259 biz bir\u00a0milyardl\u0131q y\u0131\u011f\u0131m g\u00f6st\u0259ricisini h\u0259cmind\u0259\u00a02-2,5 d\u0259f\u0259 art\u0131ra bil\u0259rik\u201d.<\/p>\n","protected":false},"excerpt":{"rendered":"
2023-c\u00fc il Az\u0259rbaycan\u0131n s\u0131\u011forta sektoru \u00fc\u00e7\u00fcn yaddaqalan il olub. Qeyd ed\u0259k ki, \u201cS\u0131\u011forta f\u0259aliyy\u0259ti haqq\u0131nda\u201d qanun il \u0259rzind\u0259 bir ne\u00e7\u0259 d\u0259f\u0259 d\u0259yi\u015fib. Bununla da, Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131na (AMB) t\u0259krars\u0131\u011forta il\u0259 ba\u011fl\u0131 minimum t\u0259l\u0259bl\u0259ri m\u00fc\u0259yy\u0259n etm\u0259k s\u0259lahiyy\u0259ti verilib, s\u0131\u011forta sektorunda \u201cM\u00fch\u00fcm i\u015ftirak pay\u0131\u201d\u00a0anlay\u0131\u015f\u0131 yenil\u0259nib. Az\u0259rbaycanda s\u0131\u011forta \u015firk\u0259tl\u0259rinin say\u0131 3 illik fasil\u0259d\u0259n sonra \u00f6t\u0259n il azal\u0131b. AMB \u201cG\u00fcnay S\u0131\u011forta\u201d v\u0259 \u201cNax\u00e7\u0131van S\u0131\u011forta\u201d ASC-l\u0259rin lisenziyalar\u0131n\u0131 l\u0259\u011fv edib. Onlar bazar\u0131 k\u00f6n\u00fcll\u00fc – \u00f6zl\u0259rinin m\u00fcraci\u0259ti \u0259sas\u0131nda t\u0259rk edibl\u0259r. Bununla da, \u00f6lk\u0259d\u0259 s\u0131\u011forta \u015firk\u0259tl\u0259rinin say\u0131 20-d\u0259n 18-\u0259 d\u00fc\u015f\u00fcb. \u00d6t\u0259n il Az\u0259rbaycan bazar\u0131na yeni t\u0259krars\u0131\u011forta \u015firk\u0259ti daxil…<\/p>\n","protected":false},"author":2,"featured_media":676508,"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\/2024\/01\/6c6eeb1b-9145-33a9-b6b1-f02f4ca8fc17_850.jpg",620,413,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/01\/6c6eeb1b-9145-33a9-b6b1-f02f4ca8fc17_850.jpg",620,413,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/01\/6c6eeb1b-9145-33a9-b6b1-f02f4ca8fc17_850.jpg",620,413,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/01\/6c6eeb1b-9145-33a9-b6b1-f02f4ca8fc17_850-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/01\/6c6eeb1b-9145-33a9-b6b1-f02f4ca8fc17_850-548x365.jpg",548,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/01\/6c6eeb1b-9145-33a9-b6b1-f02f4ca8fc17_850.jpg",620,413,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/01\/6c6eeb1b-9145-33a9-b6b1-f02f4ca8fc17_850.jpg",620,413,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/01\/6c6eeb1b-9145-33a9-b6b1-f02f4ca8fc17_850.jpg",620,413,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/01\/6c6eeb1b-9145-33a9-b6b1-f02f4ca8fc17_850-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/01\/6c6eeb1b-9145-33a9-b6b1-f02f4ca8fc17_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":"2023-c\u00fc il Az\u0259rbaycan\u0131n s\u0131\u011forta sektoru \u00fc\u00e7\u00fcn yaddaqalan il olub. Qeyd ed\u0259k ki, \u201cS\u0131\u011forta f\u0259aliyy\u0259ti haqq\u0131nda\u201d qanun il \u0259rzind\u0259 bir ne\u00e7\u0259 d\u0259f\u0259 d\u0259yi\u015fib. Bununla da, Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131na (AMB) t\u0259krars\u0131\u011forta il\u0259 ba\u011fl\u0131 minimum t\u0259l\u0259bl\u0259ri m\u00fc\u0259yy\u0259n etm\u0259k s\u0259lahiyy\u0259ti verilib, s\u0131\u011forta sektorunda \u201cM\u00fch\u00fcm i\u015ftirak pay\u0131\u201d\u00a0anlay\u0131\u015f\u0131 yenil\u0259nib. Az\u0259rbaycanda s\u0131\u011forta \u015firk\u0259tl\u0259rinin say\u0131 3 illik fasil\u0259d\u0259n sonra \u00f6t\u0259n il azal\u0131b. AMB…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/676507"}],"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=676507"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/676507\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/676508"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=676507"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=676507"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=676507"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}