M\u0259rk\u0259zi Bank davran\u0131\u015f modell\u0259ri \u0259sas\u0131nda kreditl\u0259\u015fm\u0259y\u0259 dair qaydalar\u0131 t\u0259sdiq edib. Davran\u0131\u015f modell\u0259ri \u0259sas\u0131nda banklar\u0131n f\u0259rdi sahibkarlara v\u0259 fiziki \u015f\u0259xsl\u0259r\u0259 kredit verm\u0259si n\u0259z\u0259rd\u0259 tutulur. Bununla bel\u0259, bu model kreditl\u0259\u015fm\u0259 il\u0259 ba\u011fl\u0131 m\u00fc\u0259yy\u0259n m\u0259hdudiyy\u0259tl\u0259r d\u0259 t\u0259tbiq edir. Bel\u0259 ki, banklar kredit portfelinin 10%-d\u0259n art\u0131q olmamaq \u015f\u0259rti il\u0259 davran\u0131\u015f modell\u0259ri \u0259sas\u0131nda kredit t\u0259klif ed\u0259 bil\u0259c\u0259k. Eyni zamanda, davran\u0131\u015f model \u0259sas\u0131nda verilmi\u015f v\u0259 90 g\u00fcnd\u0259n \u00e7ox gecikdirilmi\u015f kreditl\u0259rin h\u0259cmi h\u0259min kredit portfelinin 10%-n\u0259 \u00e7atd\u0131qda model \u0259sas\u0131nda kreditl\u0259rin verilm\u0259si dayand\u0131r\u0131lacaq.<\/p>\n
ARANTV.AZ <\/strong>\u00a0x\u0259b\u0259r verir ki, qaydalar\u0131 \u015f\u0259rh ed\u0259n mill\u0259t v\u0259kili V\u00fcqar Bayramov bildirib ki, bu modelin t\u0259tbiqin\u0259 ba\u015flan\u0131lmas\u0131 iki vacib m\u0259s\u0259l\u0259ni aktualla\u015fd\u0131r\u0131r:<\/p>\n \u201cBirincisi, Az\u0259rbaycan banklar\u0131 bu modelin t\u0259tbiqin\u0259 haz\u0131rd\u0131rlarm\u0131? \u0130kincisi, bu modelin t\u0259tbiqi borclanma riskl\u0259rini art\u0131ra bil\u0259rmi v\u0259 el\u0259c\u0259 d\u0259 kreditl\u0259\u015fm\u0259d\u0259 m\u0259hdudiyy\u0259tl\u0259r\u0259 s\u0259b\u0259b olarm\u0131?<\/p>\n Davran\u0131\u015f kredit skorinqi modeli uzun m\u00fcdd\u0259tdir ki, inki\u015faf etmi\u015f \u00f6lk\u0259l\u0259rd\u0259 t\u0259tbiq olunur. R\u0259smi g\u0259lirl\u0259r, \u00f6d\u0259ni\u015f tarixi kimi statik m\u0259lumatlara \u0259saslanan \u0259n\u0259n\u0259vi kredit riski profilind\u0259n f\u0259rqli olaraq, bu model x\u0259rcl\u0259m\u0259 v\u0259rdi\u015fl\u0259ri, \u0259m\u0259liyyat tezliyi v\u0259 r\u0259q\u0259msal iz kimi dinamik d\u0259yi\u015f\u0259nl\u0259ri n\u0259z\u0259r\u0259 al\u0131r. Bu zaman bank \u0259m\u0259liyyatlar\u0131, onlayn al\u0131\u015flar, sosial media f\u0259aliyy\u0259ti v\u0259 h\u0259tta mobil cihazdan istifad\u0259 d\u0259 daxil olmaqla m\u00fcxt\u0259lif m\u0259nb\u0259l\u0259rd\u0259n b\u00f6y\u00fck h\u0259cmd\u0259 m\u0259lumatlar\u0131n toplanmas\u0131 v\u0259 emal\u0131 t\u0259l\u0259b olunur. Y\u0259ni, v\u0259t\u0259nda\u015f\u0131n sosial mediada f\u0259aliyy\u0259ti v\u0259 ya aktivliyi d\u0259 kredit veril\u0259n zaman n\u0259z\u0259r\u0259 al\u0131na bilir. Dig\u0259r t\u0259r\u0259fd\u0259n, bu modeli dinamikdir, yeni m\u0259lumatlar \u0259ld\u0259 olunduqca kredit profill\u0259rini davaml\u0131 olaraq izl\u0259yir, yenil\u0259yir v\u0259 bununla da borcalan\u0131n maliyy\u0259 v\u0259ziyy\u0259tind\u0259ki d\u0259yi\u015fiklikl\u0259r\u0259 uy\u011funla\u015f\u0131r. Bu is\u0259 \u0259sasland\u0131r\u0131lm\u0131\u015f model validasiyas\u0131 t\u0259l\u0259b edir.<\/p>\n Bu zaman \u0259n ciddi \u00e7a\u011fr\u0131\u015flardan biri f\u0259rdl\u0259rin \u00f6z maliyy\u0259 davran\u0131\u015flar\u0131n\u0131 manipulyasiya etm\u0259 c\u0259hdl\u0259ridir. Bunun qar\u015f\u0131s\u0131n\u0131n al\u0131nmas\u0131 \u00fc\u00e7\u00fcn is\u0259 modelin g\u00fccl\u00fc alqoritml\u0259ri v\u0259 v\u0259riblardan (d\u0259yi\u015f\u0259nl\u0259rd\u0259n) istifad\u0259sin\u0259 ehtiyac var. Bu bax\u0131mdan, banklar\u0131n davran\u0131\u015f modelinin t\u0259tbiqin\u0259 haz\u0131r olmas\u0131na v\u0259 g\u00fccl\u00fc qiym\u0259tl\u0259ndirm\u0259 v\u0259 izl\u0259m\u0259 elektron formular\u0131ndan istifad\u0259sin\u0259 ehtiyac var. Bu is\u0259 o dem\u0259kdir ki, modelin u\u011furlu t\u0259tbiqi banklar\u0131n davran\u0131\u015flar\u0131ndan da as\u0131l\u0131 olacaq.<\/p>\n Dig\u0259r m\u0259qam Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n q\u0259rar\u0131 il\u0259 bu model \u00fczr\u0259 kreditl\u0259\u015fm\u0259y\u0259 limitl\u0259rin m\u00fc\u0259yy\u0259nl\u0259\u015fdirilm\u0259sidir. Bu m\u0259s\u0259l\u0259d\u0259 beyn\u0259lxalq praktikada f\u0259rqli yana\u015fmalar var. Amma \u00f6lk\u0259d\u0259 \u00fcmumi kredit portfelinin 27 milyard 368 milyon manat oldu\u011funu n\u0259z\u0259r\u0259 ald\u0131qda orta hesabla 3 milyard manata yax\u0131n kredit bu model vasit\u0259si il\u0259 t\u0259klif oluna bil\u0259r. Bununla yana\u015f\u0131, model \u00e7\u0259r\u00e7iv\u0259sind\u0259 t\u0259qdim olunan v\u0259saitl\u0259r \u00fczr\u0259 problemli kreditin h\u0259cmi limiti ke\u00e7diyi halda modeld\u0259n istifad\u0259 dayand\u0131r\u0131l\u0131r. Bunun banklarda model vasit\u0259si il\u0259 kreditl\u0259\u015fm\u0259y\u0259 mara\u011f\u0131n azalmas\u0131na g\u0259tirib \u00e7\u0131xarmas\u0131 da istisna deyil.<\/p>\n B\u00fct\u00f6vl\u00fckd\u0259, davran\u0131\u015f kredit skorinqi modeli \u00fczr\u0259 kreditl\u0259rin t\u0259klifi bank sektoru \u00fc\u00e7\u00fcn yeni bir m\u0259rh\u0259l\u0259 olacaq. Bunun u\u011furu is\u0259 birba\u015fa banklar\u0131n elmi v\u0259 ara\u015fd\u0131rma potensial\u0131ndan as\u0131l\u0131 olacaq\u201d.<\/p>\n","protected":false},"excerpt":{"rendered":" M\u0259rk\u0259zi Bank davran\u0131\u015f modell\u0259ri \u0259sas\u0131nda kreditl\u0259\u015fm\u0259y\u0259 dair qaydalar\u0131 t\u0259sdiq edib. Davran\u0131\u015f modell\u0259ri \u0259sas\u0131nda banklar\u0131n f\u0259rdi sahibkarlara v\u0259 fiziki \u015f\u0259xsl\u0259r\u0259 kredit verm\u0259si n\u0259z\u0259rd\u0259 tutulur. Bununla bel\u0259, bu model kreditl\u0259\u015fm\u0259 il\u0259 ba\u011fl\u0131 m\u00fc\u0259yy\u0259n m\u0259hdudiyy\u0259tl\u0259r d\u0259 t\u0259tbiq edir. Bel\u0259 ki, banklar kredit portfelinin 10%-d\u0259n art\u0131q olmamaq \u015f\u0259rti il\u0259 davran\u0131\u015f modell\u0259ri \u0259sas\u0131nda kredit t\u0259klif ed\u0259 bil\u0259c\u0259k. Eyni zamanda, davran\u0131\u015f model \u0259sas\u0131nda verilmi\u015f v\u0259 90 g\u00fcnd\u0259n \u00e7ox gecikdirilmi\u015f kreditl\u0259rin h\u0259cmi h\u0259min kredit portfelinin 10%-n\u0259 \u00e7atd\u0131qda model \u0259sas\u0131nda kreditl\u0259rin verilm\u0259si dayand\u0131r\u0131lacaq. ARANTV.AZ \u00a0x\u0259b\u0259r verir ki, qaydalar\u0131 \u015f\u0259rh ed\u0259n mill\u0259t v\u0259kili V\u00fcqar Bayramov bildirib ki, bu modelin…<\/p>\n","protected":false},"author":2,"featured_media":779656,"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\/2025\/01\/c538ebd91bdfc1818042ccb1da125b9c.jpg",600,300,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/01\/c538ebd91bdfc1818042ccb1da125b9c.jpg",600,300,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/01\/c538ebd91bdfc1818042ccb1da125b9c.jpg",600,300,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/01\/c538ebd91bdfc1818042ccb1da125b9c-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/01\/c538ebd91bdfc1818042ccb1da125b9c.jpg",600,300,false],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/01\/c538ebd91bdfc1818042ccb1da125b9c.jpg",600,300,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/01\/c538ebd91bdfc1818042ccb1da125b9c.jpg",600,300,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/01\/c538ebd91bdfc1818042ccb1da125b9c.jpg",600,300,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/01\/c538ebd91bdfc1818042ccb1da125b9c-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/01\/c538ebd91bdfc1818042ccb1da125b9c.jpg",600,300,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":"M\u0259rk\u0259zi Bank davran\u0131\u015f modell\u0259ri \u0259sas\u0131nda kreditl\u0259\u015fm\u0259y\u0259 dair qaydalar\u0131 t\u0259sdiq edib. Davran\u0131\u015f modell\u0259ri \u0259sas\u0131nda banklar\u0131n f\u0259rdi sahibkarlara v\u0259 fiziki \u015f\u0259xsl\u0259r\u0259 kredit verm\u0259si n\u0259z\u0259rd\u0259 tutulur. Bununla bel\u0259, bu model kreditl\u0259\u015fm\u0259 il\u0259 ba\u011fl\u0131 m\u00fc\u0259yy\u0259n m\u0259hdudiyy\u0259tl\u0259r d\u0259 t\u0259tbiq edir. Bel\u0259 ki, banklar kredit portfelinin 10%-d\u0259n art\u0131q olmamaq \u015f\u0259rti il\u0259 davran\u0131\u015f modell\u0259ri \u0259sas\u0131nda kredit t\u0259klif ed\u0259 bil\u0259c\u0259k. Eyni zamanda, davran\u0131\u015f…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/779655"}],"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=779655"}],"version-history":[{"count":2,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/779655\/revisions"}],"predecessor-version":[{"id":779658,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/779655\/revisions\/779658"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/779656"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=779655"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=779655"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=779655"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}