Son vaxtlar Bak\u0131da \u0259lilliyi olan \u015f\u0259xsl\u0259r\u0259 kredit verilm\u0259diyin\u0259 dair iddialar yay\u0131l\u0131b.<\/p>\n
Milli.Az bildirir ki, bu m\u00f6vzuda v\u0259t\u0259nda\u015flar\u0131n \u015fikay\u0259tl\u0259ri sosial \u015f\u0259b\u0259k\u0259l\u0259rd\u0259 \u00f6z \u0259ksini tap\u0131b.<\/p>\n
V\u0259t\u0259nda\u015flar\u0131n s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259 banklar \u0259lilliyi olan \u015f\u0259xsl\u0259r\u0259 kredit verm\u0259kd\u0259n imtina edirl\u0259r.<\/p>\n
B\u0259s, g\u00f6r\u0259s\u0259n bu m\u0259s\u0259l\u0259 h\u00fcquqi bax\u0131mdan nec\u0259dir? Hans\u0131 halda v\u0259t\u0259nda\u015fa kredit veril\u0259 bil\u0259r, hans\u0131 halda veril\u0259 bilm\u0259z?<\/p>\n
M\u0259s\u0259l\u0259 il\u0259 ba\u011fl\u0131 h\u00fcquq\u015f\u00fcnas Hikm\u0259t \u018fliyev Milli.Az-a a\u00e7\u0131qlamas\u0131nda bildirib ki, \u0259lilliyi olan v\u0259t\u0259nda\u015flar\u0131m\u0131za kreditin verilm\u0259si il\u0259 ba\u011fl\u0131 he\u00e7 bir m\u0259hdudiyy\u0259t yoxdur:<\/p>\n
“Bank\u0131n s\u0131rf bir \u015f\u0259xsin \u0259lil olmas\u0131 s\u0259b\u0259bil\u0259 kredit verm\u0259kd\u0259n imtina etm\u0259si yolverilm\u0259zdir, lakin banklar ist\u0259nil\u0259n \u015f\u0259xsl\u0259 m\u00fcnasib\u0259td\u0259 \u00f6z riskl\u0259rini n\u0259z\u0259r\u0259 alaraq kreditin verilm\u0259sind\u0259n imtina ed\u0259 bil\u0259rl\u0259r. Bu m\u0259s\u0259l\u0259 tamamil\u0259 banklar\u0131n risk \u0259sas\u0131nda qiym\u0259tl\u0259ndirdiyi daxili qaydalara \u0259saslan\u0131r”.<\/p>\n
B\u0259s, bu qaydalara n\u0259l\u0259r daxildir? Banklar hans\u0131 halda v\u0259t\u0259nda\u015fa kredit verm\u0259kd\u0259n imtina ed\u0259 bil\u0259rl\u0259r?<\/p>\n
Hikm\u0259t \u018fliyev qeyd edib ki, banklar bu hallarda kredit verm\u0259kd\u0259n imtina ed\u0259 bil\u0259r:<\/p>\n
“Banklar\u0131n risk amilini hesablamaq \u00fc\u00e7\u00fcn x\u00fcsusi \u00fcsullar\u0131 var. Burada borcun g\u0259lir\u0259 olan nisb\u0259ti , kreditin t\u0259minat\u0131n\u0131n kredit\u0259 olan nisb\u0259ti, v\u0259t\u0259nda\u015f\u0131n dig\u0259r \u00f6d\u0259ni\u015fl\u0259ri, h\u0259r biri n\u0259z\u0259r\u0259 al\u0131n\u0131r. Bu m\u0259s\u0259l\u0259l\u0259r qiym\u0259tl\u0259ndirilir. Bu kriteriyalar\u0131n \u0259sas m\u0259qs\u0259di \u015f\u0259xsl\u0259rin krediti qaytara bilm\u0259 imkanlar\u0131n\u0131 m\u00fc\u0259yy\u0259n edil\u0259 bilm\u0259sidir. Bel\u0259likl\u0259 banklar\u0131n \u015f\u0259xs\u0259 s\u0131rf \u0259lil olmas\u0131 s\u0259b\u0259biyl\u0259 kredit verm\u0259kd\u0259n imtina etm\u0259si ayr\u0131 se\u00e7kilik hesab edilir v\u0259 he\u00e7 bir qanunda \u00f6z \u0259ksini tapm\u0131r.<\/p>\n","protected":false},"excerpt":{"rendered":"
Son vaxtlar Bak\u0131da \u0259lilliyi olan \u015f\u0259xsl\u0259r\u0259 kredit verilm\u0259diyin\u0259 dair iddialar yay\u0131l\u0131b. Milli.Az bildirir ki, bu m\u00f6vzuda v\u0259t\u0259nda\u015flar\u0131n \u015fikay\u0259tl\u0259ri sosial \u015f\u0259b\u0259k\u0259l\u0259rd\u0259 \u00f6z \u0259ksini tap\u0131b. V\u0259t\u0259nda\u015flar\u0131n s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259 banklar \u0259lilliyi olan \u015f\u0259xsl\u0259r\u0259 kredit verm\u0259kd\u0259n imtina edirl\u0259r. B\u0259s, g\u00f6r\u0259s\u0259n bu m\u0259s\u0259l\u0259 h\u00fcquqi bax\u0131mdan nec\u0259dir? Hans\u0131 halda v\u0259t\u0259nda\u015fa kredit veril\u0259 bil\u0259r, hans\u0131 halda veril\u0259 bilm\u0259z? M\u0259s\u0259l\u0259 il\u0259 ba\u011fl\u0131 h\u00fcquq\u015f\u00fcnas Hikm\u0259t \u018fliyev Milli.Az-a a\u00e7\u0131qlamas\u0131nda bildirib ki, \u0259lilliyi olan v\u0259t\u0259nda\u015flar\u0131m\u0131za kreditin verilm\u0259si il\u0259 ba\u011fl\u0131 he\u00e7 bir m\u0259hdudiyy\u0259t yoxdur: “Bank\u0131n s\u0131rf bir \u015f\u0259xsin \u0259lil olmas\u0131 s\u0259b\u0259bil\u0259 kredit verm\u0259kd\u0259n imtina etm\u0259si yolverilm\u0259zdir, lakin banklar ist\u0259nil\u0259n \u015f\u0259xsl\u0259 m\u00fcnasib\u0259td\u0259 \u00f6z…<\/p>\n","protected":false},"author":2,"featured_media":763258,"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":[1],"tags":[],"aioseo_notices":[],"gutentor_comment":0,"rttpg_featured_image_url":{"full":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/10\/e7a133bfa047388004a64e2a24396d8e.jpg",800,450,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/10\/e7a133bfa047388004a64e2a24396d8e.jpg",800,450,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/10\/e7a133bfa047388004a64e2a24396d8e.jpg",800,450,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/10\/e7a133bfa047388004a64e2a24396d8e-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/10\/e7a133bfa047388004a64e2a24396d8e-649x365.jpg",649,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/10\/e7a133bfa047388004a64e2a24396d8e.jpg",640,360,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/10\/e7a133bfa047388004a64e2a24396d8e.jpg",800,450,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/10\/e7a133bfa047388004a64e2a24396d8e.jpg",800,450,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/10\/e7a133bfa047388004a64e2a24396d8e-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/10\/e7a133bfa047388004a64e2a24396d8e.jpg",800,450,false]},"rttpg_author":{"display_name":"V\u00fcsal Rafiqo\u011flu","author_link":"https:\/\/arantv.az\/?author=2"},"rttpg_comment":0,"rttpg_category":"C\u0259miyy\u0259t<\/a>","rttpg_excerpt":"Son vaxtlar Bak\u0131da \u0259lilliyi olan \u015f\u0259xsl\u0259r\u0259 kredit verilm\u0259diyin\u0259 dair iddialar yay\u0131l\u0131b. Milli.Az bildirir ki, bu m\u00f6vzuda v\u0259t\u0259nda\u015flar\u0131n \u015fikay\u0259tl\u0259ri sosial \u015f\u0259b\u0259k\u0259l\u0259rd\u0259 \u00f6z \u0259ksini tap\u0131b. V\u0259t\u0259nda\u015flar\u0131n s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259 banklar \u0259lilliyi olan \u015f\u0259xsl\u0259r\u0259 kredit verm\u0259kd\u0259n imtina edirl\u0259r. B\u0259s, g\u00f6r\u0259s\u0259n bu m\u0259s\u0259l\u0259 h\u00fcquqi bax\u0131mdan nec\u0259dir? Hans\u0131 halda v\u0259t\u0259nda\u015fa kredit veril\u0259 bil\u0259r, hans\u0131 halda veril\u0259 bilm\u0259z? M\u0259s\u0259l\u0259 il\u0259 ba\u011fl\u0131 h\u00fcquq\u015f\u00fcnas…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/763257"}],"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=763257"}],"version-history":[{"count":2,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/763257\/revisions"}],"predecessor-version":[{"id":763260,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/763257\/revisions\/763260"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/763258"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=763257"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=763257"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=763257"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}