H\u00fcquq\u015f\u00fcnas deyir ki,\u00a0lombard f\u0259aliyy\u0259tinin h\u0259yata ke\u00e7irilm\u0259si \u00fc\u00e7\u00fcn x\u00fcsusi icaz\u0259nin t\u0259l\u0259b edilm\u0259si qanunvericilikl\u0259 birba\u015fa t\u0259nziml\u0259nm\u0259yib<\/p>\n
Paytaxtda lombardlar\u0131n say\u0131 son ill\u0259rd\u0259 \u0259h\u0259miyy\u0259tli d\u0259r\u0259c\u0259d\u0259 art\u0131b. Lombardlar\u0131n say\u0131n\u0131n artmas\u0131n\u0131n \u0259sas s\u0259b\u0259bl\u0259rind\u0259n biri kimi banklar\u0131n kredit siyas\u0259tind\u0259ki s\u0259rtl\u0259\u015fm\u0259l\u0259ri g\u00f6st\u0259rilir. Banklar\u0131n istehlak kreditl\u0259\u015fm\u0259sini m\u0259hdudla\u015fd\u0131rmas\u0131 v\u0259 t\u0259l\u0259bl\u0259ri s\u0259rtl\u0259\u015fdirm\u0259si n\u0259tic\u0259sind\u0259 v\u0259t\u0259nda\u015flar alternativ maliyy\u0259 m\u0259nb\u0259yi kimi lombardlara m\u00fcraci\u0259t etm\u0259y\u0259 ba\u015flay\u0131b.<\/p>\n
Bununla yana\u015f\u0131, lombardlar\u0131n f\u0259aliyy\u0259tinin t\u0259nziml\u0259nm\u0259si m\u0259s\u0259l\u0259si d\u0259 g\u00fcnd\u0259md\u0259dir. Ekspetl\u0259rin fikrinc\u0259, \u0259g\u0259r lombard f\u0259aliyy\u0259tinin lisenziyala\u015fd\u0131r\u0131lmas\u0131 h\u0259yata ke\u00e7irils\u0259, bu bazar i\u015ftirak\u00e7\u0131lar\u0131n\u0131n 90%-i ba\u011flanacaq.<\/p>\n
\u00dcmumiyy\u0259tl\u0259, Bak\u0131da lombardlar\u0131n say\u0131n\u0131n artmas\u0131 v\u0259t\u0259nda\u015flar\u0131n maliyy\u0259\u00a0uehtiyaclar\u0131n\u0131 qar\u015f\u0131lamaq \u00fc\u00e7\u00fcn alternativ yollar axtarmas\u0131 il\u0259 \u0259laq\u0259l\u0259ndirilir. Lakin bu sah\u0259d\u0259 t\u0259nziml\u0259m\u0259 v\u0259 n\u0259zar\u0259t mexanizml\u0259rinin g\u00fccl\u0259ndirilm\u0259si vacibdir ki, v\u0259t\u0259nda\u015flar\u0131n h\u00fcquqlar\u0131 qorunsun v\u0259 maliyy\u0259 bazar\u0131nda \u015f\u0259ffafl\u0131q t\u0259min edilsin.<\/p>\n
B\u0259s bu q\u0259d\u0259r lombard\u0131n f\u0259aliyy\u0259t g\u00f6st\u0259rm\u0259si h\u00fcquqi bax\u0131mdan do\u011frudurmu? G\u0259l\u0259c\u0259kd\u0259 n\u0259 kimi probleml\u0259r yarana bil\u0259r?\u00a0<\/strong><\/p>\n H\u00fcquq\u015f\u00fcnas Aq\u015fin Atal\u0131zad\u0259 m\u00f6vzu il\u0259 ba\u011fl\u0131 Musavat.com-a deyib ki, haz\u0131rda bu m\u0259s\u0259l\u0259 m\u00fcbahis\u0259 obyektidir:”<\/strong>Az\u0259rbaycan Respublikas\u0131n\u0131n qanunvericiliyind\u0259 lombard f\u0259aliyy\u0259tinin lisenziyala\u015fd\u0131r\u0131lmas\u0131 m\u0259s\u0259l\u0259sin\u0259 m\u00fcxt\u0259lif d\u00f6vrl\u0259rd\u0259 f\u0259rqli yana\u015fma m\u00f6vcud olub. Bel\u0259 ki, Az\u0259rbaycan Respublikas\u0131 Nazirl\u0259r Kabinetinin 20 aprel 1998-ci il tarixli, 89 n\u00f6mr\u0259li q\u0259rar\u0131 il\u0259 “Lombard f\u0259aliyy\u0259tin\u0259 x\u00fcsusi raz\u0131l\u0131q (lisenziya) verilm\u0259si Qaydalar\u0131\u201d t\u0259sdiq edilmi\u015f v\u0259 bu f\u0259aliyy\u0259t h\u0259min qaydalar \u0259sas\u0131nda lisenziyala\u015fd\u0131r\u0131l\u0131b. Lakin h\u0259min q\u0259rar Az\u0259rbaycan Respublikas\u0131 Nazirl\u0259r\u00a0 Kabinetinin 2002-ci il 7 noyabr tarixli, 173 n\u00f6mr\u0259li q\u0259rar\u0131 il\u0259 q\u00fcv\u0259d\u0259n d\u00fc\u015f\u00fcb. H\u0259m\u00e7inin, Az\u0259rbaycan Respublikas\u0131 Prezidentinin 2002-ci il 2 sentyabr tarixli, 782 n\u00f6mr\u0259li F\u0259rman\u0131 il\u0259 t\u0259sdiq edilmi\u015f, \u201cX\u00fcsusi raz\u0131l\u0131q (lisenziya) t\u0259l\u0259b olunan f\u0259aliyy\u0259t n\u00f6vl\u0259rinin Siyah\u0131s\u0131\u201dnda lombard f\u0259aliyy\u0259tin\u0259 \u201ctoxunulmay\u0131b\u201d.<\/p>\n Haz\u0131rda M\u00fclki M\u0259c\u0259ll\u0259d\u0259 d\u0259 \u0259\u015fyan\u0131n lombardda girovu girovun bir\u00a0n\u00f6v\u00fc hesab edilir v\u0259 qeyd edilir ki, \u015f\u0259xsi istehlak \u00fc\u00e7\u00fcn n\u0259z\u0259rd\u0259 tutulan da\u015f\u0131nar \u0259\u015fyan\u0131n fiziki \u015f\u0259xsl\u0259rd\u0259n q\u0131sam\u00fcdd\u0259tli kreditl\u0259rin t\u0259min edilm\u0259si m\u0259qs\u0259dil\u0259 girov g\u00f6t\u00fcr\u00fclm\u0259sini sahibkarl\u0131q\u00a0f\u0259aliyy\u0259ti qaydas\u0131nda buna\u00a0x\u00fcsusi icaz\u0259si (lisenziyas\u0131)\u00a0olan ixtisasla\u015fd\u0131r\u0131lm\u0131\u015f t\u0259\u015fkilatlar \u2013 lombardlar h\u0259yata ke\u00e7ir\u0259 bil\u0259rl\u0259r. Lakin lisenziyalar bar\u0259d\u0259 qanunvericilikd\u0259 lombard f\u0259aliyy\u0259tinin birba\u015fa lisenziyala\u015fd\u0131r\u0131lmas\u0131na dair m\u00fcdd\u0259a\u00a0t\u0259sbit edilm\u0259yib. D\u00f6vl\u0259t r\u00fcsumuna dair qanunvericilikd\u0259 d\u0259 bu fa\u0259liyy\u0259tin lisenziyala\u015fd\u0131\u0131lmas\u0131na\u00a0dair d\u00f6vl\u0259t r\u00fcsumunun m\u0259bl\u0259\u011fi n\u0259z\u0259rd\u0259 tutulmur.<\/p>\n G\u00f6st\u0259ril\u0259nl\u0259rd\u0259n bel\u0259 n\u0259tic\u0259 \u00e7\u0131x\u0131r ki, haz\u0131rda lombard f\u0259aliyy\u0259tinin h\u0259yata ke\u00e7irilm\u0259si \u00fc\u00e7\u00fcn x\u00fcsusi icaz\u0259nin (lisenziyan\u0131n) t\u0259l\u0259b edilm\u0259si m\u0259s\u0259l\u0259si qanunvericilikl\u0259 birba\u015fa t\u0259nziml\u0259nm\u0259yib. T\u0259cr\u00fcb\u0259d\u0259 d\u0259 ayr\u0131-ayr\u0131 fiziki v\u0259 ya h\u00fcquqi \u015f\u0259xsl\u0259r h\u0259r hans\u0131 lisenziya (icaz\u0259) almadan s\u0259rb\u0259st \u015f\u0259kild\u0259 bu f\u0259aliyy\u0259tl\u0259 m\u0259\u015f\u011ful olurlar.<\/p>\n Bir ne\u00e7\u0259 il \u0259vv\u0259l bu sah\u0259d\u0259 t\u0259nziml\u0259yici qurum olan Maliyy\u0259 Bazarlar\u0131na N\u0259zar\u0259t Palatas\u0131 lombard f\u0259aliyy\u0259tinin yenid\u0259n lisenziyala\u015fd\u0131r\u0131lmas\u0131 istiqam\u0259tind\u0259 ilkin t\u0259\u015f\u0259bb\u00fcs g\u00f6st\u0259rs\u0259 d\u0259, Palatan\u0131n l\u0259\u011fvi bu t\u0259\u015f\u0259bb\u00fcs\u00fc yar\u0131m\u00e7\u0131q qoymu\u015fdu. Haz\u0131rda bu m\u0259s\u0259l\u0259 maliyy\u0259 bazarlar\u0131n\u0131 t\u0259nziml\u0259y\u0259n qurum kimi M\u0259rk\u0259zi Bank\u0131n s\u0259lahiyy\u0259tind\u0259dir v\u0259 h\u0259min qurum t\u0259r\u0259find\u0259n bu istiqam\u0259td\u0259 i\u015f apar\u0131lmaqdad\u0131r”.<\/p>\n","protected":false},"excerpt":{"rendered":" H\u00fcquq\u015f\u00fcnas deyir ki,\u00a0lombard f\u0259aliyy\u0259tinin h\u0259yata ke\u00e7irilm\u0259si \u00fc\u00e7\u00fcn x\u00fcsusi icaz\u0259nin t\u0259l\u0259b edilm\u0259si qanunvericilikl\u0259 birba\u015fa t\u0259nziml\u0259nm\u0259yib Paytaxtda lombardlar\u0131n say\u0131 son ill\u0259rd\u0259 \u0259h\u0259miyy\u0259tli d\u0259r\u0259c\u0259d\u0259 art\u0131b. Lombardlar\u0131n say\u0131n\u0131n artmas\u0131n\u0131n \u0259sas s\u0259b\u0259bl\u0259rind\u0259n biri kimi banklar\u0131n kredit siyas\u0259tind\u0259ki s\u0259rtl\u0259\u015fm\u0259l\u0259ri g\u00f6st\u0259rilir. Banklar\u0131n istehlak kreditl\u0259\u015fm\u0259sini m\u0259hdudla\u015fd\u0131rmas\u0131 v\u0259 t\u0259l\u0259bl\u0259ri s\u0259rtl\u0259\u015fdirm\u0259si n\u0259tic\u0259sind\u0259 v\u0259t\u0259nda\u015flar alternativ maliyy\u0259 m\u0259nb\u0259yi kimi lombardlara m\u00fcraci\u0259t etm\u0259y\u0259 ba\u015flay\u0131b. Bununla yana\u015f\u0131, lombardlar\u0131n f\u0259aliyy\u0259tinin t\u0259nziml\u0259nm\u0259si m\u0259s\u0259l\u0259si d\u0259 g\u00fcnd\u0259md\u0259dir. Ekspetl\u0259rin fikrinc\u0259, \u0259g\u0259r lombard f\u0259aliyy\u0259tinin lisenziyala\u015fd\u0131r\u0131lmas\u0131 h\u0259yata ke\u00e7irils\u0259, bu bazar i\u015ftirak\u00e7\u0131lar\u0131n\u0131n 90%-i ba\u011flanacaq. \u00dcmumiyy\u0259tl\u0259, Bak\u0131da lombardlar\u0131n say\u0131n\u0131n artmas\u0131 v\u0259t\u0259nda\u015flar\u0131n maliyy\u0259\u00a0uehtiyaclar\u0131n\u0131 qar\u015f\u0131lamaq \u00fc\u00e7\u00fcn alternativ yollar axtarmas\u0131 il\u0259 \u0259laq\u0259l\u0259ndirilir. Lakin bu sah\u0259d\u0259 t\u0259nziml\u0259m\u0259…<\/p>\n","protected":false},"author":2,"featured_media":795804,"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\/03\/1afe38e30fd8e23c253e6dbf6b6a4291.jpg",277,182,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/1afe38e30fd8e23c253e6dbf6b6a4291.jpg",277,182,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/1afe38e30fd8e23c253e6dbf6b6a4291.jpg",277,182,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/1afe38e30fd8e23c253e6dbf6b6a4291.jpg",277,182,false],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/1afe38e30fd8e23c253e6dbf6b6a4291.jpg",277,182,false],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/1afe38e30fd8e23c253e6dbf6b6a4291.jpg",277,182,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/1afe38e30fd8e23c253e6dbf6b6a4291.jpg",277,182,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/1afe38e30fd8e23c253e6dbf6b6a4291.jpg",277,182,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/1afe38e30fd8e23c253e6dbf6b6a4291-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/1afe38e30fd8e23c253e6dbf6b6a4291.jpg",277,182,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":"H\u00fcquq\u015f\u00fcnas deyir ki,\u00a0lombard f\u0259aliyy\u0259tinin h\u0259yata ke\u00e7irilm\u0259si \u00fc\u00e7\u00fcn x\u00fcsusi icaz\u0259nin t\u0259l\u0259b edilm\u0259si qanunvericilikl\u0259 birba\u015fa t\u0259nziml\u0259nm\u0259yib Paytaxtda lombardlar\u0131n say\u0131 son ill\u0259rd\u0259 \u0259h\u0259miyy\u0259tli d\u0259r\u0259c\u0259d\u0259 art\u0131b. Lombardlar\u0131n say\u0131n\u0131n artmas\u0131n\u0131n \u0259sas s\u0259b\u0259bl\u0259rind\u0259n biri kimi banklar\u0131n kredit siyas\u0259tind\u0259ki s\u0259rtl\u0259\u015fm\u0259l\u0259ri g\u00f6st\u0259rilir. Banklar\u0131n istehlak kreditl\u0259\u015fm\u0259sini m\u0259hdudla\u015fd\u0131rmas\u0131 v\u0259 t\u0259l\u0259bl\u0259ri s\u0259rtl\u0259\u015fdirm\u0259si n\u0259tic\u0259sind\u0259 v\u0259t\u0259nda\u015flar alternativ maliyy\u0259 m\u0259nb\u0259yi kimi lombardlara m\u00fcraci\u0259t etm\u0259y\u0259 ba\u015flay\u0131b. Bununla yana\u015f\u0131, lombardlar\u0131n f\u0259aliyy\u0259tinin…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/795803"}],"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=795803"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/795803\/revisions"}],"predecessor-version":[{"id":795805,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/795803\/revisions\/795805"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/795804"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=795803"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=795803"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=795803"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}