{"id":750646,"date":"2024-09-05T10:35:10","date_gmt":"2024-09-05T06:35:10","guid":{"rendered":"https:\/\/arantv.az\/?p=750646"},"modified":"2024-09-05T10:35:10","modified_gmt":"2024-09-05T06:35:10","slug":"biznes-kreditl%c9%99rin%c9%99-t%c9%99l%c9%99bi-artiran-s%c9%99b%c9%99bl%c9%99r-iii-rubl%c9%99-bagli-proqnoz","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=750646","title":{"rendered":"Biznes kreditl\u0259rin\u0259 t\u0259l\u0259bi art\u0131ran s\u0259b\u0259bl\u0259r &#8211; III r\u00fcbl\u0259 ba\u011fl\u0131 proqnoz"},"content":{"rendered":"<p><strong>Natiq C\u0259f\u0259rli: \u201cAqrar sah\u0259d\u0259 kredit s\u0259viyy\u0259si \u00e7ox a\u015fa\u011f\u0131d\u0131r\u201d<\/strong><\/p>\n<p>2024-c\u00fc ilin II r\u00fcb\u00fcnd\u0259 sor\u011fu n\u0259tic\u0259l\u0259rin\u0259 \u0259sas\u0259n mikro, ki\u00e7ik v\u0259 orta sahibkarl\u0131q (MKOS) subyektl\u0259rin\u0259 veril\u0259n kreditl\u0259r \u00fczr\u0259 standartlarda yum\u015falma, iri sahibkarl\u0131q subyektl\u0259rin\u0259 veril\u0259n kreditl\u0259r \u00fczr\u0259 standartlar\u0131nda d\u0259yi\u015fiklik m\u00fc\u015fahid\u0259 edilm\u0259yib. Banklar t\u0259r\u0259find\u0259n n\u00f6vb\u0259ti r\u00fcbd\u0259 MKOS subyektl\u0259rin\u0259 kreditl\u0259r \u00fczr\u0259 standartlarda yum\u015falman\u0131n davam etm\u0259si, iri sahibkarl\u0131q subyektl\u0259rin\u0259 kreditl\u0259r \u00fczr\u0259 standartlarda is\u0259 d\u0259yi\u015fiklik olmamas\u0131 g\u00f6zl\u0259nilir.<\/p>\n<p><strong>Bu bar\u0259d\u0259 Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n (AMB) kreditl\u0259\u015fm\u0259 f\u0259aliyy\u0259tin\u0259 dair sor\u011funun n\u0259tic\u0259l\u0259rind\u0259 bildirilib.<\/strong><\/p>\n<p>Sor\u011funun n\u0259tic\u0259l\u0259rind\u0259 qeyd edilib ki, 2024-c\u00fc ilin II r\u00fcb\u00fcnd\u0259 MKOS subyektl\u0259rin\u0259 veril\u0259n kreditl\u0259r\u0259 t\u0259l\u0259bd\u0259 art\u0131m davam edib. Banklar\u0131n g\u00f6zl\u0259ntil\u0259rin\u0259 \u0259sas\u0259n 2024-c\u00fc ilin III r\u00fcb\u00fcnd\u0259 biznes kreditl\u0259ri, x\u00fcsusil\u0259 MKOS kreditl\u0259ri \u00fczr\u0259 t\u0259l\u0259bd\u0259 art\u0131m m\u00fc\u015fahid\u0259 olunacaq.<\/p>\n<p><img src=\"https:\/\/valyuta.az\/file\/articles\/2023\/10\/01\/1696146755_1617109473_1608012295_vuqarbayramovesas.jpg\" alt=\"V\u00fcqar Bayramov: \u201c\u0130\u015f\u011faldan azad olunan \u0259razil\u0259rd\u0259 kosmik m\u00fc\u015fahid\u0259l\u0259r  art\u0131r\u0131lmal\u0131d\u0131r\u201d\" \/><\/p>\n<p><strong>Mill\u0259t v\u0259kili V\u00fcqar Bayramov hesab edir ki, s\u00f6z\u00fcged\u0259n proqnoz real sektorda aktivliyin n\u00f6vb\u0259ti r\u00fcbd\u0259 daha da artaca\u011f\u0131 il\u0259 ba\u011fl\u0131d\u0131r. \u201cYeni M\u00fcsavat\u201d \u015f\u0259rhind\u0259 mill\u0259t v\u0259kili AMB-nin biznes kreditl\u0259\u015fm\u0259sinin say\u0131n\u0131n artmas\u0131nda maraql\u0131 oldu\u011funa diqq\u0259t \u00e7\u0259kdi:<\/strong><\/p>\n<p>\u201cBir t\u0259r\u0259fd\u0259n biznes kreditl\u0259rin\u0259 \u0259l\u00e7atanl\u0131\u011f\u0131n art\u0131r\u0131lmas\u0131 istiqam\u0259tind\u0259 M\u0259rk\u0259zi Bank m\u00fc\u0259yy\u0259n qaydalar\u0131n t\u0259kmill\u0259\u015fdirilm\u0259sini h\u0259yata ke\u00e7irir, eyni zamanda banklar\u0131n \u00f6zl\u0259rinin real v\u0259saitl\u0259rinin biznes\u0259 y\u00f6n\u0259ldilm\u0259si il\u0259 ba\u011fl\u0131 t\u0259\u015fviqedici t\u0259dbirl\u0259r davam edir. H\u0259m\u00e7inin biznesd\u0259 aktivliyin artmas\u0131 n\u0259tic\u0259d\u0259 kreditl\u0259r\u0259 t\u0259l\u0259bi art\u0131r\u0131r. Bu, banklar t\u0259r\u0259find\u0259n biznes kreditl\u0259rinin verilm\u0259sin\u0259 g\u0259tirib \u00e7\u0131xar\u0131r. M\u0259rk\u0259zi Bank praktik olaraq \u00fcmumi kredit portfelind\u0259 biznes kreditl\u0259\u015fm\u0259sinin say\u0131n\u0131n artmas\u0131nda maraql\u0131d\u0131r. Buna g\u00f6r\u0259 d\u0259 AMB banklar t\u0259r\u0259find\u0259n biznes kreditl\u0259rinin daha \u00e7ox verilm\u0259sin\u0259 \u00e7al\u0131\u015f\u0131r. Eyni zamanda biznes kreditl\u0259rin\u0259 t\u0259l\u0259bin artmas\u0131 v\u0259 bu t\u0259l\u0259bin real iqtisadiyyat t\u0259r\u0259find\u0259n d\u0259st\u0259kl\u0259nm\u0259sin\u0259 ehtiyac var. N\u00f6vb\u0259ti d\u00f6vrd\u0259, y\u0259ni III r\u00fcbd\u0259 real sektorda g\u00f6zl\u0259nil\u0259n aktivlik biznes kreditl\u0259rin\u0259 t\u0259l\u0259bin artmas\u0131na v\u0259 banklar t\u0259r\u0259find\u0259n real sektora daha \u00e7ox kreditl\u0259rin y\u00f6n\u0259ldilm\u0259sin\u0259 g\u0259tirib \u00e7\u0131xaracaq\u201d.<\/p>\n<p><img src=\"https:\/\/vergiler.az\/media\/2023\/02\/01\/eldeniz_emirov.jpg\" alt=\"Eld\u0259niz \u018fmirov: \u201cG\u00f6mr\u00fck prosedurunun sad\u0259l\u0259\u015fdirilm\u0259si \u00f6lk\u0259 iqtisadiyyat\u0131na  effektiv t\u0259sir g\u00f6st\u0259r\u0259c\u0259k\u201d\" \/><\/p>\n<p><strong>Eld\u0259niz \u018fmirov<\/strong><\/p>\n<p><strong>\u0130qtisad\u00e7\u0131 ekspert Eld\u0259niz \u018fmirov \u201cYeni M\u00fcsavat\u201da \u015f\u0259rhind\u0259 bildirdi ki, kredit portfeli \u00fczr\u0259 g\u00f6st\u0259ricil\u0259r b\u00f6y\u00fck istiqam\u0259tl\u0259r \u00fczr\u0259 q\u0259na\u0259tb\u0259x\u015f hesab edil\u0259 bil\u0259r:<\/strong>\u00a0\u201cBiznes kreditl\u0259rinin h\u0259cmi getdikc\u0259 artmaqdad\u0131r. Sad\u0259c\u0259 olaraq, kredit faizl\u0259rinin y\u00fcks\u0259k olmas\u0131 bu m\u00f6vzuda \u00fcr\u0259ka\u00e7an olmayan iki amild\u0259n biridir ki, bu da ba\u015fad\u00fc\u015f\u00fcl\u0259ndir. Bu bilavasit\u0259 kredit faizl\u0259rini formala\u015fd\u0131ran faktorlardan qaynaqlan\u0131r. M\u0259s\u0259l\u0259n, depozit faizl\u0259rinin 8-10, b\u0259z\u0259n 12 faiz\u0259 q\u0259d\u0259r oldu\u011fu hallarda t\u0259bii ki, dig\u0259r x\u0259rcl\u0259ri d\u0259 \u00fcz\u0259rin\u0259 g\u0259ldikd\u0259, m\u0259nf\u0259\u0259t g\u00f6t\u00fcrm\u0259k amilini n\u0259z\u0259r\u0259 ald\u0131qda kredit faizl\u0259rinin yuxar\u0131 olmas\u0131 anla\u015f\u0131land\u0131r. Getdikc\u0259 KOB subyektl\u0259ri yaxud mikro, ki\u00e7ik v\u0259 orta sahibkarlar\u0131n maliyy\u0259 \u0259l\u00e7atanl\u0131\u011f\u0131n\u0131n t\u0259min olunmas\u0131 m\u0259qs\u0259dil\u0259 m\u00fcxt\u0259lif qurumlar t\u0259r\u0259find\u0259n apar\u0131lan birg\u0259 f\u0259aliyy\u0259t, o c\u00fcml\u0259d\u0259n KOB\u0130A v\u0259 dig\u0259r qurumlar\u0131n M\u0259rk\u0259zi Bankla v\u0259 Banklar Assosiasiyas\u0131 il\u0259 apard\u0131\u011f\u0131 birg\u0259 i\u015fl\u0259r n\u0259tic\u0259d\u0259 KOB subyektl\u0259rinin maliyy\u0259 \u0259l\u00e7atanl\u0131\u011f\u0131nda\u00a0 ir\u0259lil\u0259yi\u015fl\u0259rin \u0259ld\u0259 olunmas\u0131na imkan verir. M\u0259rk\u0259zi Bank\u0131n a\u00e7\u0131qlamas\u0131nda g\u00f6r\u00fcnd\u00fcy\u00fc kimi, prosesd\u0259 m\u00fcsb\u0259t dinamika var\u201d.<\/p>\n<p><strong>E.\u018fmirov prosesin m\u0259nfi c\u0259h\u0259tl\u0259rini d\u0259 \u015f\u0259rh edib:<\/strong>\u00a0\u201c\u018fsas \u00e7at\u0131\u015fmazl\u0131q biznes kreditl\u0259rind\u0259 regionlar\u0131n pay\u0131n\u0131n h\u0259dd\u0259n art\u0131q az olmas\u0131d\u0131r. Kredit portfelind\u0259 regionlar\u0131n pay\u0131 20 faiz civar\u0131ndad\u0131r. Bak\u0131 v\u0259 Ab\u015feronun pay\u0131 is\u0259 t\u0259xmin\u0259n 80 faizdir. Regionlar\u0131n 20 faizlik pay\u0131 m\u0259hz istehlak kreditl\u0259rinin pay\u0131na d\u00fc\u015f\u00fcr. Haz\u0131rda \u00f6lk\u0259d\u0259 kredit m\u00fcnasib\u0259tl\u0259rind\u0259 \u0259n ciddi problem regionlarda biznes kreditl\u0259rinin g\u00f6st\u0259ricil\u0259rinin \u00e7ox pis v\u0259ziyy\u0259td\u0259 olmas\u0131d\u0131r. Bu da kompleks amill\u0259rd\u0259n qaynaqlan\u0131r\u201d.<\/p>\n<p><img src=\"https:\/\/files.modern.az\/articles\/2024\/07\/12\/1720780333_na.jpg\" alt=\"Natiq C\u0259f\u0259rli bu dair\u0259d\u0259 imzatoplama kampaniyas\u0131na ba\u015flay\u0131b\" \/><\/p>\n<p><strong>Natiq C\u0259f\u0259rli<\/strong><\/p>\n<p><strong>M\u00f6vzu il\u0259 ba\u011fl\u0131 iqtisad\u00e7\u0131 ekspert Natiq C\u0259f\u0259rlinin d\u0259 fikirl\u0259rini \u00f6yr\u0259ndik. Ekspertin fikrinc\u0259, AMB-nin g\u00f6zl\u0259ntisi\u00a0 xo\u015f niyy\u0259td\u0259n qaynaqlan\u0131r. Bel\u0259 ki, reall\u0131qda istehlak kreditl\u0259ri \u00fcmumi kredit portfelinin az qala yar\u0131s\u0131n\u0131 t\u0259\u015fkil edir:<\/strong>\u00a0\u201cM\u0259rk\u0259zi Bank haql\u0131d\u0131r. Biznes kreditl\u0259rinin artmas\u0131 \u00fc\u00e7\u00fcn faizl\u0259r a\u015fa\u011f\u0131 d\u00fc\u015fm\u0259li, \u015f\u0259rtl\u0259r yum\u015fald\u0131lmal\u0131d\u0131r. M\u0259s\u0259l\u0259n, aqrar sah\u0259d\u0259 kredit s\u0259viyy\u0259si \u00e7ox a\u015fa\u011f\u0131d\u0131r, riskl\u0259r \u00e7ox oldu\u011fu \u00fc\u00e7\u00fcn banklar fermerl\u0259r\u0259 kredit verm\u0259k ist\u0259mirl\u0259r. Onu da qeyd etm\u0259k laz\u0131md\u0131r ki, M\u0259rk\u0259zi Bank kommersiya banklar\u0131n\u0131n faiz d\u0259r\u0259c\u0259l\u0259rin\u0259 birba\u015fa t\u0259sir g\u00f6st\u0259r\u0259, yaxud g\u00f6st\u0259ri\u015f ver\u0259 bilm\u0259z.\u00a0 Sad\u0259c\u0259 olaraq, t\u0259nziml\u0259yici t\u0259dbir kimi m\u00fc\u0259yy\u0259n yum\u015falmalar\u0131 h\u0259yata ke\u00e7ir\u0259r\u0259k onlar\u0131 t\u0259\u015fviq ed\u0259 bil\u0259r. Y\u0259qin ki, M\u0259rk\u0259zi Bank t\u0259\u015fviqedici m\u00fc\u0259yy\u0259n add\u0131mlar\u0131 atma\u011f\u0131 d\u00fc\u015f\u00fcn\u00fcr. \u00c7ox g\u00fcman ki, sentyabr ay\u0131ndan ba\u015flayaraq u\u00e7ot d\u0259r\u0259c\u0259sini a\u015fa\u011f\u0131 salma\u011fa ba\u015flayacaq. Bu v\u0259 ba\u015fqa yum\u015fald\u0131c\u0131 t\u0259dbirl\u0259r biznes kreditl\u0259rinin artmas\u0131na t\u0259kan ver\u0259 bil\u0259r. Bel\u0259likl\u0259, proqnoz bu ehtimal \u00fcz\u0259rin\u0259 verilib\u201d.<\/p>\n<p><strong>Nigar H\u018fS\u018fNL\u0130,<\/strong><br \/>\n<strong>\u201cYeni M\u00fcsavat\u201d<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Natiq C\u0259f\u0259rli: \u201cAqrar sah\u0259d\u0259 kredit s\u0259viyy\u0259si \u00e7ox a\u015fa\u011f\u0131d\u0131r\u201d 2024-c\u00fc ilin II r\u00fcb\u00fcnd\u0259 sor\u011fu n\u0259tic\u0259l\u0259rin\u0259 \u0259sas\u0259n mikro, ki\u00e7ik v\u0259 orta sahibkarl\u0131q (MKOS) subyektl\u0259rin\u0259 veril\u0259n kreditl\u0259r \u00fczr\u0259 standartlarda yum\u015falma, iri sahibkarl\u0131q subyektl\u0259rin\u0259 veril\u0259n kreditl\u0259r \u00fczr\u0259 standartlar\u0131nda d\u0259yi\u015fiklik m\u00fc\u015fahid\u0259 edilm\u0259yib. Banklar t\u0259r\u0259find\u0259n n\u00f6vb\u0259ti r\u00fcbd\u0259 MKOS subyektl\u0259rin\u0259 kreditl\u0259r \u00fczr\u0259 standartlarda yum\u015falman\u0131n davam etm\u0259si, iri sahibkarl\u0131q subyektl\u0259rin\u0259 kreditl\u0259r \u00fczr\u0259 standartlarda is\u0259 d\u0259yi\u015fiklik olmamas\u0131 g\u00f6zl\u0259nilir. Bu bar\u0259d\u0259 Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n (AMB) kreditl\u0259\u015fm\u0259 f\u0259aliyy\u0259tin\u0259 dair sor\u011funun n\u0259tic\u0259l\u0259rind\u0259 bildirilib. Sor\u011funun n\u0259tic\u0259l\u0259rind\u0259 qeyd edilib ki, 2024-c\u00fc ilin II r\u00fcb\u00fcnd\u0259 MKOS subyektl\u0259rin\u0259 veril\u0259n kreditl\u0259r\u0259 t\u0259l\u0259bd\u0259 art\u0131m davam edib. Banklar\u0131n g\u00f6zl\u0259ntil\u0259rin\u0259&hellip;<\/p>\n","protected":false},"author":2,"featured_media":750647,"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\/09\/89573a2dd9934f5ecdb3f8c9e13da64e.jpg",709,399,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/09\/89573a2dd9934f5ecdb3f8c9e13da64e.jpg",709,399,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/09\/89573a2dd9934f5ecdb3f8c9e13da64e.jpg",709,399,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/09\/89573a2dd9934f5ecdb3f8c9e13da64e-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/09\/89573a2dd9934f5ecdb3f8c9e13da64e-649x365.jpg",649,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/09\/89573a2dd9934f5ecdb3f8c9e13da64e.jpg",640,360,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/09\/89573a2dd9934f5ecdb3f8c9e13da64e.jpg",709,399,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/09\/89573a2dd9934f5ecdb3f8c9e13da64e.jpg",709,399,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/09\/89573a2dd9934f5ecdb3f8c9e13da64e-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/09\/89573a2dd9934f5ecdb3f8c9e13da64e.jpg",709,399,false]},"rttpg_author":{"display_name":"V\u00fcsal Rafiqo\u011flu","author_link":"https:\/\/arantv.az\/?author=2"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/arantv.az\/?cat=19\" rel=\"category\">G\u00fcnd\u0259m<\/a>","rttpg_excerpt":"Natiq C\u0259f\u0259rli: \u201cAqrar sah\u0259d\u0259 kredit s\u0259viyy\u0259si \u00e7ox a\u015fa\u011f\u0131d\u0131r\u201d 2024-c\u00fc ilin II r\u00fcb\u00fcnd\u0259 sor\u011fu n\u0259tic\u0259l\u0259rin\u0259 \u0259sas\u0259n mikro, ki\u00e7ik v\u0259 orta sahibkarl\u0131q (MKOS) subyektl\u0259rin\u0259 veril\u0259n kreditl\u0259r \u00fczr\u0259 standartlarda yum\u015falma, iri sahibkarl\u0131q subyektl\u0259rin\u0259 veril\u0259n kreditl\u0259r \u00fczr\u0259 standartlar\u0131nda d\u0259yi\u015fiklik m\u00fc\u015fahid\u0259 edilm\u0259yib. Banklar t\u0259r\u0259find\u0259n n\u00f6vb\u0259ti r\u00fcbd\u0259 MKOS subyektl\u0259rin\u0259 kreditl\u0259r \u00fczr\u0259 standartlarda yum\u015falman\u0131n davam etm\u0259si, iri sahibkarl\u0131q subyektl\u0259rin\u0259 kreditl\u0259r \u00fczr\u0259 standartlarda&hellip;","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/750646"}],"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=750646"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/750646\/revisions"}],"predecessor-version":[{"id":750648,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/750646\/revisions\/750648"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/750647"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=750646"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=750646"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=750646"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}