{"id":772155,"date":"2024-11-30T14:41:17","date_gmt":"2024-11-30T10:41:17","guid":{"rendered":"https:\/\/arantv.az\/?p=772155"},"modified":"2024-11-30T14:41:17","modified_gmt":"2024-11-30T10:41:17","slug":"banklardan-%c9%99man%c9%99t-faizl%c9%99ri-il%c9%99-bagli-q%c9%99rar-bundan-sonra","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=772155","title":{"rendered":"Banklardan \u0259man\u0259t faizl\u0259ri il\u0259 ba\u011fl\u0131 Q\u018fRAR – Bundan sonra…"},"content":{"rendered":"

Ekspertl\u0259r deyir ki, likvidlik v\u0259 banklararas\u0131 r\u0259qab\u0259tin b\u00f6y\u00fck t\u0259siri var<\/strong><\/p>\n

Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131ndan a\u00e7\u0131qlanan m\u0259lumatlara g\u00f6r\u0259, \u00f6t\u0259n il Vergi M\u0259c\u0259ll\u0259sin\u0259 depozit g\u0259lirl\u0259ri il\u0259 ba\u011fl\u0131 edilmi\u015f vergi g\u00fcz\u0259\u015ftl\u0259ri milli valyutada ki\u00e7ikh\u0259cmli \u0259man\u0259tl\u0259rin art\u0131m\u0131na s\u0259b\u0259b olub. Bel\u0259 ki, milli valyutada 30 min manatad\u0259k \u0259man\u0259ti olanlar\u0131n say\u0131 9 ayda 36 faiz art\u0131b. Bir ild\u0259n yuxar\u0131 milli valyutada \u0259man\u0259tl\u0259rin pay\u0131 48,8 faizd\u0259n 56 faiz\u0259 y\u00fcks\u0259lib.<\/p>\n

N\u0259hay\u0259t, 2024-c\u00fc ilin ilk 9 ay\u0131nda \u0259halinin banklarda \u0259man\u0259tl\u0259ri 10 faiz artaraq 13,8 milyard manat\u0131 ke\u00e7ib. Bu g\u00f6st\u0259rici tarixd\u0259 \u0259n y\u00fcks\u0259k h\u0259dd\u0259 \u00e7at\u0131b.<\/p>\n

M\u0259rk\u0259zi Bank\u0131n statistikas\u0131na \u0259sas\u0259n oktyabr\u0131n 31-n\u0259 banklar\u0131n \u00f6hd\u0259likl\u0259rinin strukturunda depozit portfeli \u00fcst\u00fcnl\u00fck t\u0259\u015fkil edir: depozitl\u0259r c\u0259mi \u00f6hd\u0259likl\u0259rin 79.5 faizi v\u0259 ya 34 milyard 373.9 milyon manat\u0131n\u0131 t\u0259\u015fkil edib. Depozit portfelinin 59.4 faizi (20,404.3 milyon manat) h\u00fcquqi \u015f\u0259xsl\u0259rin, 40.6 faizi (13,969.5 milyon manat) fiziki \u015f\u0259xsl\u0259rin depozitl\u0259rind\u0259n (f\u0259rdi sahibkarl\u0131qla m\u0259\u015f\u011ful olan fiziki \u015f\u0259xsl\u0259rin depozitl\u0259ri istisna olmaqla) ibar\u0259tdir.<\/p>\n

Fiziki \u015f\u0259xsl\u0259rin \u0259man\u0259tl\u0259rinin 66 faizi (9 milyard 216.4 milyon manat) milli valyutada, 34 faizi (4,753.1 milyon manat) xarici valyutadad\u0131r.<\/p>\n

Fiziki \u015f\u0259xsl\u0259rin \u0259man\u0259t portfelinin 59.5 faizi (8 milyard 314.8 milyon manat) m\u00fcdd\u0259tli \u0259man\u0259tl\u0259rd\u0259n ibar\u0259tdir. Fiziki \u015f\u0259xsl\u0259rin m\u00fcdd\u0259tli \u0259man\u0259tl\u0259ri oktyabr ay\u0131nda 0.9 faiz v\u0259 ya 72 milyon manat art\u0131b.<\/p>\n

H\u00fcquqi \u015f\u0259xsl\u0259rin t\u0259l\u0259bli depozitl\u0259ri 14 milyard 979.8 milyon manat olmaqla, h\u00fcquqi \u015f\u0259xsl\u0259rin c\u0259mi depozit portfelinin 73.4 faizini t\u0259\u015fkil edib.<\/p>\n

Fiziki \u015f\u0259xsl\u0259rin \u0259man\u0259tl\u0259rinin dollarla\u015fmas\u0131 oktyabr ay\u0131nda \u0259vv\u0259lki ilin m\u00fcvafiq d\u00f6vr\u00fcn\u0259 n\u0259z\u0259r\u0259n 1.7 faiz b\u0259ndi azalaraq 33.5 faiz t\u0259\u015fkil edib.<\/p>\n

\u018fman\u0259tl\u0259rin art\u0131m\u0131nda \u0259sas rol, \u015f\u00fcbh\u0259siz ki, faizl\u0259rin y\u00fcks\u0259lm\u0259sinindir. Bel\u0259 ki, x\u00fcsusil\u0259 cari ilin ikinci yar\u0131s\u0131nda banklar manatla \u0259man\u0259t faizl\u0259rini art\u0131r\u0131blar. Haz\u0131rda bir s\u0131ra banklar 12-13 faizl\u0259 \u0259man\u0259t c\u0259lb etm\u0259y\u0259 \u00e7al\u0131\u015f\u0131rlar. Banklar\u0131n bu siyas\u0259ti n\u0259d\u0259n qaynaqlan\u0131r? \u018fman\u0259t faizl\u0259ri niy\u0259 art\u0131r\u0131l\u0131r v\u0259 bunun hans\u0131 m\u00fcsb\u0259t-m\u0259nfi t\u0259sirl\u0259ri var?<\/p>\n

<\/p>\n

R\u0259\u015fad H\u0259s\u0259nov<\/strong><\/p>\n

\u0130qtisad\u00e7\u0131-ekspert R\u0259\u015fad H\u0259s\u0259novun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, \u0259man\u0259t faizl\u0259rind\u0259ki art\u0131m daha \u00e7ox banklardak\u0131 likvidliyin azalmas\u0131ndan qaynaqlan\u0131r: \u201cBanklararas\u0131 bazar\u0131n son 2 ild\u0259 m\u00fc\u0259yy\u0259n inki\u015faf m\u0259rh\u0259l\u0259sin\u0259 \u00e7atmas\u0131 sistem \u0259h\u0259miyy\u0259tli banklardan maliyy\u0259 v\u0259saitl\u0259rinin dig\u0259r banklara axmas\u0131na v\u0259 dolay\u0131s\u0131 il\u0259 d\u0259 maliyy\u0259 bazarlar\u0131na y\u00f6n\u0259ldilm\u0259sin\u0259 \u015f\u0259rait yarad\u0131b. Depozit faizl\u0259rinin y\u00fcks\u0259lm\u0259sinin bir m\u00fcsb\u0259t t\u0259r\u0259fi var ki, v\u0259t\u0259nda\u015flar v\u0259saitl\u0259rini banklarda yerl\u0259\u015fdirm\u0259y\u0259 h\u0259v\u0259sli olurlar. Bu is\u0259 passiv y\u0131\u011f\u0131mlar\u0131n banklar vasit\u0259sil\u0259 iqtisadiyyata y\u00f6n\u0259ldilm\u0259si v\u0259 pulun d\u00f6vriyy\u0259 s\u00fcr\u0259tinin artmas\u0131 multipikativ effektinin yaranmas\u0131na, eyni zamanda m\u00fc\u0259yy\u0259n sosial qruplar\u0131n g\u0259lirl\u0259rinin artmas\u0131na g\u0259tirib \u00e7\u0131xar\u0131r. M\u0259nfi hal budur ki, \u0259man\u0259t faizl\u0259rinin y\u00fcks\u0259k olmas\u0131 kredit faizl\u0259rinin d\u0259 artmas\u0131n\u0131 \u015f\u0259rtl\u0259ndirir, bu da iqtisadiyyata darald\u0131c\u0131 t\u0259sir g\u00f6st\u0259r\u0259n amildir\u201d.\u00a0<\/strong><\/p>\n

Ekspert bildirir ki, banklar \u0259halid\u0259n y\u00fcks\u0259k faizl\u0259 toplad\u0131qlar\u0131 v\u0259saitl\u0259ri a\u015fa\u011f\u0131 faizli v\u0259 uzunm\u00fcdd\u0259tli biznes kreditl\u0259rin\u0259 deyil, y\u00fcks\u0259k faizli v\u0259 q\u0131sam\u00fcdd\u0259tli istehlak kreditl\u0259rin\u0259 y\u00f6n\u0259ltm\u0259kl\u0259 g\u0259lirliliyi t\u0259min etm\u0259y\u0259 \u00e7al\u0131\u015f\u0131rlar: \u201cBu s\u0259b\u0259bd\u0259ndir ki, son vaxtlar istehlak kreditl\u0259ri \u00fczr\u0259 faizl\u0259rd\u0259 art\u0131m m\u00fc\u015fahid\u0259 olunur\u201d.<\/p>\n

\"Eldeniz<\/p>\n

Eld\u0259niz \u018fmirov<\/strong><\/p>\n

\u0130qtisad\u00e7\u0131 Eld\u0259niz \u018fmirova g\u00f6r\u0259, kommersiya banklar\u0131n\u0131n \u0259man\u0259t faizl\u0259rini art\u0131rmas\u0131n\u0131n bir ne\u00e7\u0259 s\u0259b\u0259bi ola bil\u0259r:<\/strong>\u00a0\u201cBurada birincisi M\u0259rk\u0259zi Bank\u0131n pul siyas\u0259tind\u0259n qaynaqlanan s\u0259b\u0259bl\u0259r ola bil\u0259r. \u0130kinci s\u0259b\u0259b kimi inflyasiyan\u0131n s\u00fcr\u0259tl\u0259nm\u0259si \u00e7\u0131x\u0131\u015f ed\u0259 bil\u0259r. \u0130nflyasiya art\u0131rsa, banklar da m\u0259cburdurlar ki, \u0259halinin g\u0259lirini t\u0259min etm\u0259k \u00fc\u00e7\u00fcn \u0259man\u0259t faizl\u0259rini qald\u0131rs\u0131nlar. Ba\u015fqa bir s\u0259b\u0259b likvidlik m\u0259s\u0259l\u0259sidir. N\u0259hay\u0259t, bir s\u0259b\u0259b d\u0259 banklar aras\u0131ndak\u0131 r\u0259qab\u0259t amilidir. D\u00fc\u015f\u00fcnm\u00fcr\u0259m ki, haz\u0131rda depozit v\u0259saitl\u0259rinin artmas\u0131nda M\u0259rk\u0259zi Bank\u0131n pul siyas\u0259ti \u0259sas rol oynas\u0131n. \u00c7\u00fcnki M\u0259rk\u0259zi Bank\u0131n u\u00e7ot d\u0259r\u0259c\u0259sinin depozit v\u0259 kredit faizl\u0259rin\u0259 t\u0259siri el\u0259 y\u00fcks\u0259k deyil. \u0130nflyasiya da el\u0259 y\u00fcks\u0259k deyil ki, depozit faizl\u0259ri 12-13\u00a0 faiz\u0259 q\u0259d\u0259r arts\u0131n. Dem\u0259li, qald\u0131 iki s\u0259b\u0259b: likvidlik v\u0259 banklararas\u0131 r\u0259qab\u0259t. D\u00fc\u015f\u00fcn\u00fcr\u0259m ki, bu iki faktorun daha b\u00f6y\u00fck t\u0259siri var. \u00c7\u00fcnki ax\u0131r ill\u0259rd\u0259 banklar aras\u0131nda depozit c\u0259lbi il\u0259 ba\u011fl\u0131 kifay\u0259t q\u0259d\u0259r a\u00e7\u0131q r\u0259qab\u0259t oldu\u011fu g\u00f6r\u00fcn\u00fcr. Likvidlikl\u0259 ba\u011fl\u0131 d\u0259qiq n\u0259s\u0259 dem\u0259k m\u00fcmk\u00fcn deyil. El\u0259 banklar var ki, likvid v\u0259saitl\u0259ri yet\u0259rinc\u0259dir, bu sah\u0259d\u0259 hans\u0131sa probleml\u0259ri yoxdur. Bu halda yegan\u0259 amil o ola bil\u0259r ki, banklar likvidliyi daha da art\u0131rma\u011fa \u00e7al\u0131\u015f\u0131rlar\u201d.<\/p>\n

Qeyd ed\u0259k ki, \u0259man\u0259t faizl\u0259rinin artmas\u0131, m\u00fcdd\u0259tli \u0259man\u0259tl\u0259rin pay\u0131n\u0131n y\u00fcks\u0259k olmas\u0131 banklar\u0131n depozit faizl\u0259ri \u00fczr\u0259 x\u0259rcl\u0259rini art\u0131r\u0131b. R\u0259smi statistikaya \u0259sas\u0259n bu ilin noyabr ay\u0131n\u0131n 1-n\u0259 Az\u0259rbaycan banklar\u0131n\u0131n depozitl\u0259r \u00fczr\u0259 faiz x\u0259rcl\u0259ri\u00a0 725,8 milyon manat t\u0259\u015fkil edib. Bu, illik m\u00fcqayis\u0259d\u0259 245,9 milyon manat (51,2 faiz) , ayl\u0131q m\u00fcqayis\u0259 il\u0259 89,4 milyon manat (14 faiz) \u00e7oxdur. Bu ilin oktyabr ay\u0131n\u0131n birin\u0259 banklar\u0131n depozitl\u0259r \u00fczr\u0259 faiz x\u0259rcl\u0259ri 636,4 milyon manat, \u00f6t\u0259n ilin noyabr\u0131n 1-n\u0259 is\u0259 479,9 milyon manat t\u0259\u015fkil edib.<\/p>\n

Hesabat d\u00f6vr\u00fc \u0259rzind\u0259 banklar\u0131n m\u00fcdd\u0259tli depozitl\u0259r \u00fc\u00e7\u00fcn \u00f6d\u0259diyi m\u0259bl\u0259\u011fl\u0259r ayl\u0131q 75,7 milyon manat (13,8 faiz), illik is\u0259 221,5 milyon manat (55,2 faiz) artaraq 622,9 milyon manata y\u00fcks\u0259lib.<\/p>\n

C\u0259lb edil\u0259n \u0259man\u0259tl\u0259rin q\u0131sam\u00fcdd\u0259tli v\u0259 y\u00fcks\u0259k faizli istehlak kreditl\u0259rin\u0259 y\u00f6n\u0259ldilm\u0259si banklar\u0131n faiz g\u0259lirl\u0259rind\u0259 d\u0259 ciddi art\u0131ma s\u0259b\u0259b olub. Bel\u0259 ki, 2024-c\u00fc ilin noyab\u0131n 1-n\u0259 Az\u0259rbaycan banklar\u0131n\u0131n faiz g\u0259lirl\u0259ri 3 milyard 242 milyon manat olub.\u00a0 H\u0259min g\u00f6st\u0259rici oktyabr\u0131n 1-n\u0259 olan d\u00f6vr il\u0259 m\u00fcqayis\u0259d\u0259 358,6 milyon manat v\u0259 ya 12,4 faiz, \u00f6t\u0259n ilin m\u00fcvafiq d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 380,1 milyon manat v\u0259 ya 13,3 faiz \u00e7oxdur.<\/p>\n

2023-c\u00fc il noyabr\u0131n 1-n\u0259 Az\u0259rbaycan banklar\u0131n\u0131n faiz g\u0259lirl\u0259ri 2 milyard 861,9 milyon manat olmu\u015fdu.<\/p>\n

Yaz\u0131n\u0131 haz\u0131rlad\u0131: D\u00fcnya SAK\u0130T<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Ekspertl\u0259r deyir ki, likvidlik v\u0259 banklararas\u0131 r\u0259qab\u0259tin b\u00f6y\u00fck t\u0259siri var Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131ndan a\u00e7\u0131qlanan m\u0259lumatlara g\u00f6r\u0259, \u00f6t\u0259n il Vergi M\u0259c\u0259ll\u0259sin\u0259 depozit g\u0259lirl\u0259ri il\u0259 ba\u011fl\u0131 edilmi\u015f vergi g\u00fcz\u0259\u015ftl\u0259ri milli valyutada ki\u00e7ikh\u0259cmli \u0259man\u0259tl\u0259rin art\u0131m\u0131na s\u0259b\u0259b olub. Bel\u0259 ki, milli valyutada 30 min manatad\u0259k \u0259man\u0259ti olanlar\u0131n say\u0131 9 ayda 36 faiz art\u0131b. Bir ild\u0259n yuxar\u0131 milli valyutada \u0259man\u0259tl\u0259rin pay\u0131 48,8 faizd\u0259n 56 faiz\u0259 y\u00fcks\u0259lib. N\u0259hay\u0259t, 2024-c\u00fc ilin ilk 9 ay\u0131nda \u0259halinin banklarda \u0259man\u0259tl\u0259ri 10 faiz artaraq 13,8 milyard manat\u0131 ke\u00e7ib. Bu g\u00f6st\u0259rici tarixd\u0259 \u0259n y\u00fcks\u0259k h\u0259dd\u0259 \u00e7at\u0131b. M\u0259rk\u0259zi Bank\u0131n statistikas\u0131na \u0259sas\u0259n oktyabr\u0131n 31-n\u0259…<\/p>\n","protected":false},"author":2,"featured_media":772156,"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\/11\/bcd6729f7daedd00e0e43de2d40d8038.jpg",821,500,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/11\/bcd6729f7daedd00e0e43de2d40d8038.jpg",821,500,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/11\/bcd6729f7daedd00e0e43de2d40d8038.jpg",821,500,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/11\/bcd6729f7daedd00e0e43de2d40d8038-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/11\/bcd6729f7daedd00e0e43de2d40d8038-599x365.jpg",599,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/11\/bcd6729f7daedd00e0e43de2d40d8038.jpg",640,390,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/11\/bcd6729f7daedd00e0e43de2d40d8038.jpg",821,500,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/11\/bcd6729f7daedd00e0e43de2d40d8038.jpg",821,500,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/11\/bcd6729f7daedd00e0e43de2d40d8038-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/11\/bcd6729f7daedd00e0e43de2d40d8038.jpg",821,500,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":"Ekspertl\u0259r deyir ki, likvidlik v\u0259 banklararas\u0131 r\u0259qab\u0259tin b\u00f6y\u00fck t\u0259siri var Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131ndan a\u00e7\u0131qlanan m\u0259lumatlara g\u00f6r\u0259, \u00f6t\u0259n il Vergi M\u0259c\u0259ll\u0259sin\u0259 depozit g\u0259lirl\u0259ri il\u0259 ba\u011fl\u0131 edilmi\u015f vergi g\u00fcz\u0259\u015ftl\u0259ri milli valyutada ki\u00e7ikh\u0259cmli \u0259man\u0259tl\u0259rin art\u0131m\u0131na s\u0259b\u0259b olub. Bel\u0259 ki, milli valyutada 30 min manatad\u0259k \u0259man\u0259ti olanlar\u0131n say\u0131 9 ayda 36 faiz art\u0131b. Bir ild\u0259n yuxar\u0131 milli valyutada \u0259man\u0259tl\u0259rin…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/772155"}],"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=772155"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/772155\/revisions"}],"predecessor-version":[{"id":772157,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/772155\/revisions\/772157"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/772156"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=772155"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=772155"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=772155"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}