Az\u0259rbaycan banklar\u0131 \u00f6lk\u0259nin regionlar\u0131nda kredit verm\u0259y\u0259 el\u0259 d\u0259 h\u0259v\u0259s g\u00f6st\u0259rmirl\u0259r.<\/p>\n
Bunu Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n kreditl\u0259\u015fm\u0259 il\u0259 ba\u011fl\u0131 a\u00e7\u0131qlad\u0131\u011f\u0131 statistika da g\u00f6st\u0259rir.<\/p>\n
Bel\u0259 ki, 2023-c\u00fc ilin sonuna banklar\u0131n kredit portfeli 23,2 milyard manat t\u0259\u015fkil edib ki, bunun da 17,7 milyard manat\u0131 v\u0259 76 %-i Bak\u0131 v\u0259 onun \u0259traf\u0131nda formala\u015f\u0131b. B\u0259s banklar niy\u0259 regionlarda kredit verm\u0259k ist\u0259mirl\u0259r? \u201cReport\u201d m\u00f6vzunu iqtisad\u00e7\u0131-ekspertl\u0259rl\u0259 m\u00fczakir\u0259 edib.<\/p>\n
Elman Sad\u0131qov deyir ki, regionlarda kredit verm\u0259yin riski Bak\u0131 il\u0259 m\u00fcqayis\u0259d\u0259 y\u00fcks\u0259kdir: \u201cN\u0259inki Bak\u0131 il\u0259 regionlar aras\u0131nda, h\u0259tta ayr\u0131-ayr\u0131 rayonlar aras\u0131nda risk d\u0259r\u0259c\u0259l\u0259rind\u0259 f\u0259rq var. M\u0259s\u0259l\u0259n, Aran rayonlar\u0131nda risk daha y\u00fcks\u0259kdir. \u00c7\u00fcnki biznes m\u00fchiti z\u0259ifdir, d\u00f6vriyy\u0259 azd\u0131r v\u0259 bu rayonlarda ya\u015fayanlara verilmi\u015f kreditl\u0259r vaxt\u0131nda v\u0259 yaxud \u00fcmumiyy\u0259tl\u0259 geri qaytar\u0131lmaya bil\u0259r. \u015eimal v\u0259 \u015eimal-Q\u0259rb rayonlar\u0131m\u0131zda is\u0259 risk nisb\u0259t\u0259n a\u015fa\u011f\u0131d\u0131r. \u00c7\u00fcnki\u00a0h\u0259min rayonlar iqtisadi bax\u0131mdan aktivdir, turizm obyektl\u0259ri m\u00f6vcuddur v\u0259 v\u0259t\u0259nda\u015flar ald\u0131qlar\u0131 kreditl\u0259ri normal qaytara bil\u0259rl\u0259r\u201d.<\/p>\n
Bundan ba\u015fqa, onun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, regionlarda ya\u015fayan \u0259halinin maliyy\u0259 savadl\u0131l\u0131\u011f\u0131, kredit\u0259 yana\u015fmas\u0131 (m\u0259suliyy\u0259ti) paytaxtla m\u00fcqayis\u0259d\u0259 z\u0259ifdir: \u201cBak\u0131 v\u0259 onun \u0259traf\u0131nda ya\u015fayanlar\u0131n \u00e7oxu bilir ki, kredit g\u00f6t\u00fcr\u00fcbs\u0259, onu vaxt\u0131nda qaytarmal\u0131d\u0131rlar, \u0259g\u0259r qaytarmasa, ona qar\u015f\u0131 h\u00fcquqi t\u0259dbirl\u0259r g\u00f6r\u0259 bil\u0259rl\u0259r, girov qoydu\u011fu \u0259mlak\u0131 \u0259lind\u0259n \u00e7\u0131xa bil\u0259r. Regionlarda ya\u015fayanlar dediyim m\u0259s\u0259l\u0259l\u0259r bar\u0259d\u0259 el\u0259 d\u0259 d\u00fc\u015f\u00fcnm\u00fcrl\u0259r. \u00c7\u00fcnki\u00a0rayon yerind\u0259 ham\u0131 bir-birini tan\u0131y\u0131r, kim\u0259s\u0259 qar\u015f\u0131 s\u0259rt add\u0131mlar atmaq, \u0259mlak\u0131n\u0131 \u0259lind\u0259n almaq \u00e7\u0259tindir. Mental amill\u0259r var. K\u0259ndl\u0259rd\u0259 bir evd\u0259 bir ne\u00e7\u0259 ail\u0259 ya\u015fay\u0131r. Bunlar\u0131n evsiz qalmas\u0131 m\u0259s\u0259l\u0259si var. D\u0259d\u0259-baba evl\u0259ridir. Dig\u0259r t\u0259r\u0259fd\u0259n rayonda, k\u0259ndd\u0259 he\u00e7 kim \u201cbankda batan ev\u201di almaq ist\u0259mir. Y\u0259ni\u00a0regionlarda m\u00fcsadir\u0259 edilmi\u015f \u0259mlaklar\u0131 satmaq asan deyil. Halbuki\u00a0Bak\u0131da girov \u0259mlaklar\u0131n sat\u0131lmas\u0131 problem deyil\u201d.<\/p>\n
Dig\u0259r ekspert Xalid K\u0259rimli d\u0259 hesab edir ki, banklar\u0131n Bak\u0131 v\u0259 onun \u0259traf\u0131na fokuslanmas\u0131 t\u0259kc\u0259 risk amili il\u0259 ba\u011fl\u0131 deyil, h\u0259m d\u0259 paytaxt v\u0259 regionlar\u0131n iqtisadi inki\u015faf\u0131 aras\u0131ndak\u0131 f\u0259rqd\u0259n qaynaqlan\u0131r: \u201cBak\u0131da ya\u015fayanlar\u0131n g\u0259lirl\u0259ri regionlarla m\u00fcqayis\u0259d\u0259 xeyli y\u00fcks\u0259kdir. Paytaxtda orta ayl\u0131q \u0259m\u0259k haqq\u0131 regionlar\u0131 az\u0131 30-40 % \u00fcst\u0259l\u0259yir. B\u00fct\u00fcn iqtisadiyyat dem\u0259k olar ki, Bak\u0131da c\u0259ml\u0259\u015fib. \u015eirk\u0259tl\u0259rin \u00e7oxu buradad\u0131r. \u00dcst\u0259lik, regionlardak\u0131 da\u015f\u0131nmaz \u0259mlaklar\u0131n \u00e7oxunun qeydiyyat\u0131 yoxdur. Bu da onlar\u0131n girov qoyulmas\u0131na mane olur. Bak\u0131da is\u0259 \u0259mlak\u0131n qeydiyyat\u0131 sar\u0131dan v\u0259ziyy\u0259t xeyli yax\u015f\u0131d\u0131r\u201d.<\/p>\n","protected":false},"excerpt":{"rendered":"
Az\u0259rbaycan banklar\u0131 \u00f6lk\u0259nin regionlar\u0131nda kredit verm\u0259y\u0259 el\u0259 d\u0259 h\u0259v\u0259s g\u00f6st\u0259rmirl\u0259r. Bunu Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n kreditl\u0259\u015fm\u0259 il\u0259 ba\u011fl\u0131 a\u00e7\u0131qlad\u0131\u011f\u0131 statistika da g\u00f6st\u0259rir. Bel\u0259 ki, 2023-c\u00fc ilin sonuna banklar\u0131n kredit portfeli 23,2 milyard manat t\u0259\u015fkil edib ki, bunun da 17,7 milyard manat\u0131 v\u0259 76 %-i Bak\u0131 v\u0259 onun \u0259traf\u0131nda formala\u015f\u0131b. B\u0259s banklar niy\u0259 regionlarda kredit verm\u0259k ist\u0259mirl\u0259r? \u201cReport\u201d m\u00f6vzunu iqtisad\u00e7\u0131-ekspertl\u0259rl\u0259 m\u00fczakir\u0259 edib. Elman Sad\u0131qov deyir ki, regionlarda kredit verm\u0259yin riski Bak\u0131 il\u0259 m\u00fcqayis\u0259d\u0259 y\u00fcks\u0259kdir: \u201cN\u0259inki Bak\u0131 il\u0259 regionlar aras\u0131nda, h\u0259tta ayr\u0131-ayr\u0131 rayonlar aras\u0131nda risk d\u0259r\u0259c\u0259l\u0259rind\u0259 f\u0259rq var. M\u0259s\u0259l\u0259n, Aran rayonlar\u0131nda risk daha…<\/p>\n","protected":false},"author":2,"featured_media":686502,"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\/02\/adc81137-8fcc-37bb-a11a-0e5d09c3cbbd_850.jpg",620,413,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/02\/adc81137-8fcc-37bb-a11a-0e5d09c3cbbd_850.jpg",620,413,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/02\/adc81137-8fcc-37bb-a11a-0e5d09c3cbbd_850.jpg",620,413,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/02\/adc81137-8fcc-37bb-a11a-0e5d09c3cbbd_850-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/02\/adc81137-8fcc-37bb-a11a-0e5d09c3cbbd_850-548x365.jpg",548,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/02\/adc81137-8fcc-37bb-a11a-0e5d09c3cbbd_850.jpg",620,413,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/02\/adc81137-8fcc-37bb-a11a-0e5d09c3cbbd_850.jpg",620,413,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/02\/adc81137-8fcc-37bb-a11a-0e5d09c3cbbd_850.jpg",620,413,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/02\/adc81137-8fcc-37bb-a11a-0e5d09c3cbbd_850-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/02\/adc81137-8fcc-37bb-a11a-0e5d09c3cbbd_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":"Az\u0259rbaycan banklar\u0131 \u00f6lk\u0259nin regionlar\u0131nda kredit verm\u0259y\u0259 el\u0259 d\u0259 h\u0259v\u0259s g\u00f6st\u0259rmirl\u0259r. Bunu Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n kreditl\u0259\u015fm\u0259 il\u0259 ba\u011fl\u0131 a\u00e7\u0131qlad\u0131\u011f\u0131 statistika da g\u00f6st\u0259rir. Bel\u0259 ki, 2023-c\u00fc ilin sonuna banklar\u0131n kredit portfeli 23,2 milyard manat t\u0259\u015fkil edib ki, bunun da 17,7 milyard manat\u0131 v\u0259 76 %-i Bak\u0131 v\u0259 onun \u0259traf\u0131nda formala\u015f\u0131b. B\u0259s banklar niy\u0259 regionlarda kredit verm\u0259k ist\u0259mirl\u0259r?…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/686501"}],"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=686501"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/686501\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/686502"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=686501"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=686501"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=686501"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}