{"id":684155,"date":"2024-01-26T21:06:09","date_gmt":"2024-01-26T17:06:09","guid":{"rendered":"https:\/\/arantv.az\/?p=684155"},"modified":"2024-01-26T21:06:09","modified_gmt":"2024-01-26T17:06:09","slug":"az%c9%99rbaycanda-lombardlar-tarix%c9%99-qovusur-arasdirma-foto","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=684155","title":{"rendered":"Az\u0259rbaycanda lombardlar tarix\u0259 qovu\u015fur? – ARA\u015eDIRMA + FOTO"},"content":{"rendered":"

Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n (AMB) t\u0259sdiq etdiyi \u201c\u00d6d\u0259ni\u015f t\u0259\u015fkilatlar\u0131 v\u0259 elektron pul t\u0259\u015fkilatlar\u0131 t\u0259r\u0259find\u0259n f\u0259aliyy\u0259tin t\u0259\u015fkili v\u0259 h\u0259yata ke\u00e7irilm\u0259si\u00a0Qaydas\u0131<\/a>\u201dna \u0259sas\u0259n \u00f6lk\u0259d\u0259 f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n bu t\u0259\u015fkilatlar \u00fc\u00e7\u00fcn kreditl\u0259\u015fm\u0259 \u00fczr\u0259 limitl\u0259r, kapital \u00fczr\u0259 minimum t\u0259l\u0259b v\u0259 dig\u0259r t\u0259l\u0259bl\u0259r m\u00fc\u0259yy\u0259n edilib.<\/p>\n

Bununla ba\u011fl\u0131\u00a0\u201cReport\u201d\u00a0sah\u0259nin m\u00fct\u0259x\u0259ssisl\u0259ri il\u0259 dan\u0131\u015f\u0131b.<\/p>\n

\u201cAz\u0259rbaycan Banklar Assosiasiyas\u0131\u201d (ABA) \u0130ctimai Birliyinin n\u0259zdind\u0259 f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n \u00d6d\u0259ni\u015f sisteml\u0259ri v\u0259 r\u0259q\u0259msal bank\u00e7\u0131l\u0131q \u00fczr\u0259 ekspert qrupunun r\u0259hb\u0259ri\u00a0Tamerlan R\u00fcst\u0259mov\u00a0bildirib ki, t\u0259\u015fkilatlara minimum t\u0259l\u0259bin m\u00fc\u0259yy\u0259n edilm\u0259si Avropa Direktivi (PSD2) \u00e7\u0259r\u00e7iv\u0259sin\u0259 uy\u011fun olaraq edilib.<\/p>\n

\u201cBu t\u0259l\u0259bl\u0259r m\u00fc\u0259yy\u0259n edil\u0259nd\u0259 m\u00f6vcud v\u0259ziyy\u0259t qiym\u0259tl\u0259ndirilir v\u0259 \u0259vv\u0259lc\u0259d\u0259n ekosistem i\u015ftirak\u00e7\u0131lar\u0131 il\u0259 koordinasiya edil\u0259r\u0259k d\u0259f\u0259l\u0259rl\u0259 m\u00fczakir\u0259 edilib. G\u00f6st\u0259ricil\u0259r v\u0259 t\u0259yin edil\u0259n m\u0259bl\u0259\u011f t\u0259l\u0259bl\u0259ri lisenziya alacaq \u00f6d\u0259ni\u015f t\u0259\u015fkilat\u0131 v\u0259 elektron pul t\u0259\u015fkilatlar\u0131n\u0131n t\u0259hl\u00fck\u0259siz v\u0259 effektiv f\u0259aliyy\u0259tinin t\u0259min edilm\u0259si, \u00f6d\u0259ni\u015f xidm\u0259ti istifad\u0259\u00e7il\u0259rinin h\u00fcquqlar\u0131n\u0131n qorunmas\u0131 bax\u0131m\u0131ndan m\u00fch\u00fcm \u0259h\u0259miyy\u0259t k\u0259sb edir. Ekosistemd\u0259 dayan\u0131ql\u0131q v\u0259 r\u0259qab\u0259t\u0259 davaml\u0131 \u00f6d\u0259ni\u015f t\u0259\u015fkilatlar\u0131 v\u0259 elektron pul t\u0259\u015fkilatlar\u0131 f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259c\u0259k. Eyni zamanda, innovativ h\u0259ll v\u0259 texnologiyalar\u0131n t\u0259tbiqi geni\u015fl\u0259n\u0259c\u0259k, maliyy\u0259 inkluzivliyini geni\u015fl\u0259nm\u0259sind\u0259 m\u00fcsb\u0259t rol oynayacaq\u201d, – T.R\u00fcst\u0259mov qeyd edib.<\/p>\n

\"\"<\/p>\n

O, r\u0259q\u0259msal platformalar\u0131n f\u0259aliyy\u0259tinin daha da aktivl\u0259\u015f\u0259c\u0259yini g\u00f6zl\u0259yir:<\/p>\n

\u201cQaydan\u0131n bu x\u00fcsusiyy\u0259ti [kapital t\u0259l\u0259bi] ekosistem i\u015ftirak\u00e7\u0131lar\u0131 aras\u0131nda r\u0259qab\u0259tin daha da artmas\u0131na v\u0259 \u00f6d\u0259ni\u015f xidm\u0259ti istifad\u0259\u00e7il\u0259ri olan istehlak\u00e7\u0131lar\u0131n ehtiyaclar\u0131n\u0131 qar\u015f\u0131layacaq innovativ h\u0259ll v\u0259 texnologiyalar\u0131n t\u0259tbiqin\u0259 imkan ver\u0259c\u0259k. Eyni zamanda, bu qayda a\u00e7\u0131q bank\u00e7\u0131l\u0131q texnologiyas\u0131n\u0131n t\u0259tbiqi \u0259sas\u0131nda \u00f6d\u0259ni\u015f \u0259m\u0259liyyatlar\u0131n\u0131n apar\u0131lmas\u0131 \u00fc\u00e7\u00fcn vasit\u0259\u00e7ilik xidm\u0259ti v\u0259 hesab \u00fczr\u0259 m\u0259lumat xidm\u0259tl\u0259rinin g\u00f6st\u0259rilm\u0259sini, r\u0259q\u0259msal platformalar\u0131n f\u0259aliyy\u0259tinin daha da aktivl\u0259\u015fm\u0259sini t\u0259min ed\u0259c\u0259k\u201d.<\/p>\n

ABA-n\u0131n r\u0259smisi hesab edir ki, qaydan\u0131n dig\u0259r m\u00fch\u00fcm bir x\u00fcsusiyy\u0259ti is\u0259 maliyy\u0259 inkl\u00fczivliyinin inki\u015faf\u0131na g\u00f6st\u0259r\u0259c\u0259yi m\u00fcsb\u0259t t\u0259sirdir: \u201cBel\u0259 ki, \u00f6d\u0259ni\u015f agentl\u0259ri \u015f\u0259b\u0259k\u0259sinin daha ucqar regionlarda formala\u015fd\u0131r\u0131lmas\u0131, m\u0259saf\u0259d\u0259n g\u00f6st\u0259ril\u0259n \u00f6d\u0259ni\u015f xidm\u0259tl\u0259rin\u0259 \u00fcst\u00fcnl\u00fck verilm\u0259si maliyy\u0259 xidm\u0259tl\u0259rini \u0259hali \u00fc\u00e7\u00fcn daha \u0259l\u00e7atan ed\u0259c\u0259k\u201d.<\/p>\n

\"\"<\/p>\n

\u0130qtisad\u00e7\u0131 ekspert\u00a0R\u0259\u015fad H\u0259s\u0259nov\u00a0hesab edir ki, bu q\u0259rar lombard bazar\u0131nda olan y\u00fcks\u0259k faizl\u0259rin qism\u0259n a\u015fa\u011f\u0131 d\u00fc\u015fm\u0259sin\u0259, insanlar\u0131n lombardlardan as\u0131l\u0131l\u0131\u011f\u0131n\u0131n qism\u0259n azalmas\u0131na g\u0259tirib \u00e7\u0131xaracaq:<\/p>\n

\u201cQism\u0259n dem\u0259yimin s\u0259b\u0259bi m\u0259bl\u0259\u011fin h\u0259l\u0259lik\u00a050 manatla m\u0259hdudla\u015fd\u0131r\u0131lmas\u0131d\u0131r. Hesab edir\u0259m bu, pilot xarakterli ola bil\u0259r. G\u0259l\u0259c\u0259kd\u0259 bu m\u0259bl\u0259\u011f art\u0131r\u0131la bil\u0259r. Amma bug\u00fcnk\u00fc \u015f\u0259rtl\u0259ri v\u0259 m\u00fcvafiq t\u0259\u015fkilatlar\u0131n imkanlar\u0131n\u0131 da n\u0259z\u0259r\u0259 alsaq bu m\u0259bl\u0259\u011f d\u0259 qaneedicidir. Az\u0259rbaycanda maliyy\u0259 s\u0131x\u0131nt\u0131lar\u0131 olan insanlar \u00fc\u00e7\u00fcn bu kimi layih\u0259l\u0259rin realla\u015fd\u0131r\u0131lmas\u0131na, eyni zamanda biznes planlar\u0131n n\u0259tic\u0259l\u0259rinin d\u0259 g\u0259l\u0259c\u0259kd\u0259 analiz edilm\u0259sin\u0259 v\u0259 d\u00f6vl\u0259t t\u0259r\u0259find\u0259n m\u00fcvafiq istiqam\u0259td\u0259 \u0259halinin rifah\u0131n\u0131n g\u00fccl\u0259ndirilm\u0259si proqramlar\u0131n\u0131n haz\u0131rlanmas\u0131na ehtiyac var\u201d.<\/p>\n

Ekspert bildirib ki, \u0259sas m\u0259s\u0259l\u0259 maliyy\u0259 bazarlar\u0131 oyun\u00e7ular\u0131n\u0131n f\u0259aliyy\u0259tinin \u0259hat\u0259 dair\u0259sinin geni\u015fl\u0259ndirilm\u0259sidir:<\/p>\n

\u201cQ\u0259rar\u0131n m\u0259qs\u0259di bazarda m\u00fc\u0259yy\u0259n q\u0259d\u0259r daha r\u0259qab\u0259tli m\u00fchitin yarad\u0131lmas\u0131d\u0131r. \u00c7\u00fcnki \u0259sas m\u0259qs\u0259d m\u0259hz \u00f6d\u0259ni\u015f t\u0259\u015fkilatlar\u0131n\u0131n. elektron pul k\u00f6\u00e7\u00fcrm\u0259 xidm\u0259ti g\u00f6st\u0259r\u0259n t\u0259\u015fkilatlar\u0131n kredit verm\u0259 s\u0259lahiyy\u0259tinin yarad\u0131lmas\u0131 idi\u201d.<\/p>\n

Q\u0259rara \u0259sas\u0259n, \u00f6d\u0259ni\u015f hesab\u0131 \u00fczr\u0259 pul v\u0259saitinin na\u011fd formada m\u0259daxili v\u0259 m\u0259xarici \u0259m\u0259liyyatlar\u0131n\u0131n apar\u0131lmas\u0131 (1), kredit k\u00f6\u00e7\u00fcrm\u0259si, birba\u015fa debitl\u0259\u015fm\u0259, \u00f6d\u0259ni\u015f kart\u0131 v\u0259 yaxud dig\u0259r ox\u015far \u00f6d\u0259ni\u015f al\u0259tl\u0259ri il\u0259 \u00f6d\u0259ni\u015f \u0259m\u0259liyyatlar\u0131n\u0131n icras\u0131 (2), \u00f6d\u0259ni\u015f al\u0259tl\u0259rinin emissiyas\u0131 v\u0259 \u00f6d\u0259ni\u015f \u0259m\u0259liyyat\u0131n\u0131n ekvayrinqi (3) xidm\u0259tl\u0259rini birlikd\u0259 v\u0259 yaxud onlardan h\u0259r hans\u0131 birini ayr\u0131l\u0131qda g\u00f6st\u0259r\u0259n \u00f6d\u0259ni\u015f t\u0259\u015fkilat\u0131n\u0131n nizamnam\u0259 kapital\u0131na t\u0259l\u0259b\u00a0500 min\u00a0manat, pul k\u00f6\u00e7\u00fcrm\u0259si v\u0259 \u00f6d\u0259ni\u015f \u0259m\u0259liyyatlar\u0131n\u0131n apar\u0131lmas\u0131 \u00fc\u00e7\u00fcn vasit\u0259\u00e7ilik xidm\u0259ti g\u00f6st\u0259r\u0259n \u00f6d\u0259ni\u015f t\u0259\u015fkilat\u0131n\u0131n nizamnam\u0259 kapital\u0131na t\u0259l\u0259b\u00a0100 min\u00a0manat, elektron pul t\u0259\u015fkilat\u0131n\u0131n nizamnam\u0259 kapital\u0131na t\u0259l\u0259b is\u0259\u00a0750 min\u00a0manat m\u00fc\u0259yy\u0259n olunub.<\/p>\n

Hesab \u00fczr\u0259 m\u0259lumat xidm\u0259ti g\u00f6st\u0259r\u0259n \u00f6d\u0259ni\u015f t\u0259\u015fkilat\u0131 \u00fc\u00e7\u00fcn is\u0259 kapital t\u0259l\u0259bi qoyulmay\u0131b. Bu t\u0259\u015fkilat h\u0259r\u00a0100 min\u0259 q\u0259d\u0259r \u00f6d\u0259ni\u015f xidm\u0259ti istifad\u0259\u00e7isin\u0259 g\u00f6r\u0259 \u00f6z\u00fcn\u0259 aidiyy\u0259ti \u015f\u0259xs olmayan v\u0259 eyni maliyy\u0259 qrupuna aid olmayan s\u0131\u011forta\u00e7\u0131da\u00a050 min\u00a0manatdan az olmayan m\u0259bl\u0259\u011fd\u0259 m\u00fclki m\u0259suliyy\u0259tini s\u0131\u011fortalamal\u0131 v\u0259 yaxud \u00f6z\u00fcn\u0259 aidiyy\u0259ti \u015f\u0259xs olmayan v\u0259 eyni maliyy\u0259 qrupuna aid olmayan kredit t\u0259\u015fkilat\u0131ndan v\u0259 yaxud s\u0131\u011forta\u00e7\u0131dan\u00a050 min\u00a0manatdan az olmayan m\u0259bl\u0259\u011fd\u0259 z\u0259man\u0259t almal\u0131d\u0131r.<\/p>\n","protected":false},"excerpt":{"rendered":"

Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n (AMB) t\u0259sdiq etdiyi \u201c\u00d6d\u0259ni\u015f t\u0259\u015fkilatlar\u0131 v\u0259 elektron pul t\u0259\u015fkilatlar\u0131 t\u0259r\u0259find\u0259n f\u0259aliyy\u0259tin t\u0259\u015fkili v\u0259 h\u0259yata ke\u00e7irilm\u0259si\u00a0Qaydas\u0131\u201dna \u0259sas\u0259n \u00f6lk\u0259d\u0259 f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n bu t\u0259\u015fkilatlar \u00fc\u00e7\u00fcn kreditl\u0259\u015fm\u0259 \u00fczr\u0259 limitl\u0259r, kapital \u00fczr\u0259 minimum t\u0259l\u0259b v\u0259 dig\u0259r t\u0259l\u0259bl\u0259r m\u00fc\u0259yy\u0259n edilib. Bununla ba\u011fl\u0131\u00a0\u201cReport\u201d\u00a0sah\u0259nin m\u00fct\u0259x\u0259ssisl\u0259ri il\u0259 dan\u0131\u015f\u0131b. \u201cAz\u0259rbaycan Banklar Assosiasiyas\u0131\u201d (ABA) \u0130ctimai Birliyinin n\u0259zdind\u0259 f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n \u00d6d\u0259ni\u015f sisteml\u0259ri v\u0259 r\u0259q\u0259msal bank\u00e7\u0131l\u0131q \u00fczr\u0259 ekspert qrupunun r\u0259hb\u0259ri\u00a0Tamerlan R\u00fcst\u0259mov\u00a0bildirib ki, t\u0259\u015fkilatlara minimum t\u0259l\u0259bin m\u00fc\u0259yy\u0259n edilm\u0259si Avropa Direktivi (PSD2) \u00e7\u0259r\u00e7iv\u0259sin\u0259 uy\u011fun olaraq edilib. \u201cBu t\u0259l\u0259bl\u0259r m\u00fc\u0259yy\u0259n edil\u0259nd\u0259 m\u00f6vcud v\u0259ziyy\u0259t qiym\u0259tl\u0259ndirilir v\u0259 \u0259vv\u0259lc\u0259d\u0259n ekosistem i\u015ftirak\u00e7\u0131lar\u0131 il\u0259 koordinasiya edil\u0259r\u0259k d\u0259f\u0259l\u0259rl\u0259 m\u00fczakir\u0259…<\/p>\n","protected":false},"author":2,"featured_media":684156,"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\/XXL_height.jpg",620,413,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/01\/XXL_height.jpg",620,413,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/01\/XXL_height.jpg",620,413,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/01\/XXL_height-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/01\/XXL_height-548x365.jpg",548,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/01\/XXL_height.jpg",620,413,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/01\/XXL_height.jpg",620,413,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/01\/XXL_height.jpg",620,413,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/01\/XXL_height-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/01\/XXL_height.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\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n (AMB) t\u0259sdiq etdiyi \u201c\u00d6d\u0259ni\u015f t\u0259\u015fkilatlar\u0131 v\u0259 elektron pul t\u0259\u015fkilatlar\u0131 t\u0259r\u0259find\u0259n f\u0259aliyy\u0259tin t\u0259\u015fkili v\u0259 h\u0259yata ke\u00e7irilm\u0259si\u00a0Qaydas\u0131\u201dna \u0259sas\u0259n \u00f6lk\u0259d\u0259 f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n bu t\u0259\u015fkilatlar \u00fc\u00e7\u00fcn kreditl\u0259\u015fm\u0259 \u00fczr\u0259 limitl\u0259r, kapital \u00fczr\u0259 minimum t\u0259l\u0259b v\u0259 dig\u0259r t\u0259l\u0259bl\u0259r m\u00fc\u0259yy\u0259n edilib. Bununla ba\u011fl\u0131\u00a0\u201cReport\u201d\u00a0sah\u0259nin m\u00fct\u0259x\u0259ssisl\u0259ri il\u0259 dan\u0131\u015f\u0131b. \u201cAz\u0259rbaycan Banklar Assosiasiyas\u0131\u201d (ABA) \u0130ctimai Birliyinin n\u0259zdind\u0259 f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n \u00d6d\u0259ni\u015f sisteml\u0259ri v\u0259 r\u0259q\u0259msal…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/684155"}],"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=684155"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/684155\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/684156"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=684155"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=684155"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=684155"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}