{"id":797934,"date":"2025-04-07T11:27:17","date_gmt":"2025-04-07T07:27:17","guid":{"rendered":"https:\/\/arantv.az\/?p=797934"},"modified":"2025-04-07T11:27:17","modified_gmt":"2025-04-07T07:27:17","slug":"krediti-olanlara-sad-x%c9%99b%c9%99r-baglana-bil%c9%99r","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=797934","title":{"rendered":"Krediti olanlara \u015eAD X\u018fB\u018fR &#8211; Ba\u011flana bil\u0259r"},"content":{"rendered":"<p><strong>Az\u0259rbaycanda problemli kreditl\u0259rin m\u0259bl\u0259\u011fi artmaqda davam edir. Bel\u0259 ki, bu il mart\u0131n 1-n\u0259 olan m\u0259lumata g\u00f6r\u0259, \u00f6lk\u0259d\u0259 vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rin m\u0259bl\u0259\u011fi 480,1 milyon manat t\u0259\u015fkil edib. Bu is\u0259 ilin \u0259vv\u0259lin\u0259 nisb\u0259t\u0259n 6,9 %, son 1 ild\u0259 is\u0259 2,3 % art\u0131m dem\u0259kdir.<\/strong><\/p>\n<p><em>Problemli kreditl\u0259r niy\u0259 art\u0131r? Bu tendensiya v\u0259t\u0259nda\u015flara v\u0259 \u00f6lk\u0259y\u0259 n\u0259 v\u0259d edir?<\/em><\/p>\n<p>\u0130qtisad\u00e7\u0131 El\u00e7in R\u0259\u015fidov deyib ki, problemli kreditl\u0259rin artmas\u0131n\u0131n \u0259sas s\u0259b\u0259bl\u0259rind\u0259n biri inflyasiyad\u0131r:<\/p>\n<p>&#8220;Real g\u0259lirl\u0259rin azalmas\u0131 kreditl\u0259rin \u00f6d\u0259ni\u015fl\u0259rind\u0259 d\u0259 probleml\u0259r yarad\u0131r. Dig\u0259r m\u0259s\u0259l\u0259 \u0259m\u0259k bazar\u0131ndak\u0131 g\u0259rginlikl\u0259 ba\u011fl\u0131d\u0131r. B\u0259zi insanlar kredit g\u00f6t\u00fcrd\u00fckd\u0259n sonra i\u015fsiz v\u0259ziyy\u0259t\u0259 d\u00fc\u015f\u00fcr v\u0259 banka olan borclar\u0131 qaytarmaqda \u00e7\u0259tinlik \u00e7\u0259kirl\u0259r. H\u0259m\u00e7inin bir s\u0131ra banklarda yoxlamalar\u0131n z\u0259ifl\u0259m\u0259si ayr\u0131-ayr\u0131 kredit m\u00fct\u0259x\u0259ssisl\u0259rinin d\u00fczg\u00fcn olmayan qaydalarla kredit verm\u0259sin\u0259 s\u0259b\u0259b ola bilir. O c\u00fcml\u0259d\u0259n, banklar\u0131n maliyy\u0259l\u0259\u015fdirilm\u0259si v\u0259 Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131ndan (AMB) ald\u0131qlar\u0131 borcun faiz d\u0259r\u0259c\u0259sinin artmas\u0131, \u00fcmumi kredit &#8211; banklar\u0131n siyas\u0259tind\u0259 faiz d\u0259r\u0259c\u0259l\u0259rin\u0259 t\u0259sir edir. T\u0259bii ki, bu, kreditl\u0259rin \u00f6d\u0259ni\u015find\u0259 problem yarad\u0131r. Ayr\u0131-ayr\u0131 sektorlarda m\u00fc\u015fahid\u0259 olunan \u00e7\u0259tinlikl\u0259r d\u0259 problemli kreditl\u0259rin artmas\u0131na yol a\u00e7an amill\u0259rd\u0259ndir. Tutaq ki, kredit g\u00f6t\u00fcr\u0259n tikinti \u015firk\u0259ti h\u0259r hans\u0131 s\u0259b\u0259bd\u0259n b\u00fcrokratiya il\u0259 \u00fczl\u0259\u015firs\u0259, yaxud m\u0259nzill\u0259ri sata bilmirs\u0259, bu, onlar\u0131n iflas\u0131na v\u0259 n\u0259tic\u0259d\u0259 bank borclar\u0131n\u0131n \u00f6d\u0259nilm\u0259m\u0259sin\u0259 g\u0259tirib \u00e7\u0131xara bil\u0259r&#8221;.<\/p>\n<p><strong>Ekspert bildirib ki, \u00dcmumi daxili m\u0259hsulun (\u00dcDM), neft istehsal\u0131n\u0131n azalmas\u0131 kimi m\u0259s\u0259l\u0259l\u0259r d\u0259 \u0259halinin g\u0259lirin\u0259 m\u0259nfi t\u0259sir edir:<\/strong><\/p>\n<p>&#8220;Haz\u0131rda problemli kreditl\u0259rin art\u0131m\u0131 \u00fcmumi bank sektorunun z\u0259ifl\u0259m\u0259sin\u0259 s\u0259b\u0259b olur. Bilirsiniz, vaxtil\u0259 b\u0259zi banklar problemli kreditl\u0259r\u0259 g\u00f6r\u0259 iflas olmu\u015fdular. Bel\u0259 hallar h\u0259m d\u0259 depozit faizl\u0259rini azalda, \u00f6lk\u0259d\u0259 \u00fcmumi maliyy\u0259 sabitliyini poza bilir. Prosesin \u00fcmumi iqtisadi aktivliy\u0259 d\u0259 z\u0259r\u0259rl\u0259ri m\u00fcmk\u00fcnd\u00fcr. Banklar kredit ver\u0259rk\u0259n daha ehtiyatl\u0131 davranma\u011fa \u00e7al\u0131\u015f\u0131rlar, x\u00fcsus\u0259n sahibkarlar laz\u0131mi kreditl\u0259ri tapa bilmirl\u0259r. Bu, istehlak\u00e7\u0131lara da aiddir. O c\u00fcml\u0259d\u0259n, investorlar\u0131n banklara etimad\u0131n\u0131n azalmas\u0131 n\u0259tic\u0259d\u0259 daha az yat\u0131r\u0131m etm\u0259l\u0259rin\u0259 g\u0259tirib \u00e7\u0131xar\u0131r. Hesab edir\u0259m ki, AMB ba\u015fda olmaqla, maliyy\u0259 qurumlar\u0131 t\u0259dbirl\u0259r h\u0259yata ke\u00e7irm\u0259lidirl\u0259r. Problemli kreditl\u0259rin artmas\u0131 ciddi siqnald\u0131r&#8221;.<\/p>\n<p><strong>\u0130qtisad\u00e7\u0131 qeyd edib ki, ilk n\u00f6vb\u0259d\u0259 Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131 \u00e7\u0259tin v\u0259ziyy\u0259td\u0259 olanlar\u0131n m\u00fc\u0259yy\u0259n edilm\u0259si qaydalar\u0131n\u0131 t\u0259yin ed\u0259r\u0259k onlar \u00fc\u00e7\u00fcn x\u00fcsusi d\u0259st\u0259k fondu yarada bil\u0259r:<\/strong><\/p>\n<p>&#8220;Daha uzunm\u00fcdd\u0259tli yollardan biri banklara n\u0259zar\u0259tin g\u00fccl\u0259ndirilm\u0259sidir. AMB banklar\u0131n risk idar\u0259 etm\u0259sini, kredit portfelini g\u0259l\u0259c\u0259kd\u0259 n\u0259z\u0259rd\u0259n ke\u00e7ir\u0259r\u0259k onlar\u0131n d\u00fczg\u00fcn q\u0259rarlar verm\u0259sin\u0259 nail ola bil\u0259r. \u018fhali aras\u0131nda is\u0259 maliyy\u0259 savadl\u0131l\u0131\u011f\u0131 art\u0131r\u0131lmal\u0131d\u0131r. \u00c7\u00fcnki b\u0259z\u0259n insanlar istehlak\u00e7\u0131 kreditl\u0259rini do\u011fru qiym\u0259tl\u0259ndirm\u0259d\u0259n g\u00f6t\u00fcr\u00fcrl\u0259r&#8221;.**globalinfo.az<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Az\u0259rbaycanda problemli kreditl\u0259rin m\u0259bl\u0259\u011fi artmaqda davam edir. Bel\u0259 ki, bu il mart\u0131n 1-n\u0259 olan m\u0259lumata g\u00f6r\u0259, \u00f6lk\u0259d\u0259 vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rin m\u0259bl\u0259\u011fi 480,1 milyon manat t\u0259\u015fkil edib. Bu is\u0259 ilin \u0259vv\u0259lin\u0259 nisb\u0259t\u0259n 6,9 %, son 1 ild\u0259 is\u0259 2,3 % art\u0131m dem\u0259kdir. Problemli kreditl\u0259r niy\u0259 art\u0131r? Bu tendensiya v\u0259t\u0259nda\u015flara v\u0259 \u00f6lk\u0259y\u0259 n\u0259 v\u0259d edir? \u0130qtisad\u00e7\u0131 El\u00e7in R\u0259\u015fidov deyib ki, problemli kreditl\u0259rin artmas\u0131n\u0131n \u0259sas s\u0259b\u0259bl\u0259rind\u0259n biri inflyasiyad\u0131r: &#8220;Real g\u0259lirl\u0259rin azalmas\u0131 kreditl\u0259rin \u00f6d\u0259ni\u015fl\u0259rind\u0259 d\u0259 probleml\u0259r yarad\u0131r. Dig\u0259r m\u0259s\u0259l\u0259 \u0259m\u0259k bazar\u0131ndak\u0131 g\u0259rginlikl\u0259 ba\u011fl\u0131d\u0131r. B\u0259zi insanlar kredit g\u00f6t\u00fcrd\u00fckd\u0259n sonra i\u015fsiz v\u0259ziyy\u0259t\u0259 d\u00fc\u015f\u00fcr v\u0259 banka olan&hellip;<\/p>\n","protected":false},"author":2,"featured_media":797935,"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\/04\/007ee1e41e342935e51dfcde5da6d9a4.jpg",800,500,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/007ee1e41e342935e51dfcde5da6d9a4.jpg",800,500,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/007ee1e41e342935e51dfcde5da6d9a4.jpg",800,500,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/007ee1e41e342935e51dfcde5da6d9a4-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/007ee1e41e342935e51dfcde5da6d9a4-584x365.jpg",584,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/007ee1e41e342935e51dfcde5da6d9a4.jpg",640,400,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/007ee1e41e342935e51dfcde5da6d9a4.jpg",800,500,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/007ee1e41e342935e51dfcde5da6d9a4.jpg",800,500,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/007ee1e41e342935e51dfcde5da6d9a4-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/007ee1e41e342935e51dfcde5da6d9a4.jpg",800,500,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":"Az\u0259rbaycanda problemli kreditl\u0259rin m\u0259bl\u0259\u011fi artmaqda davam edir. Bel\u0259 ki, bu il mart\u0131n 1-n\u0259 olan m\u0259lumata g\u00f6r\u0259, \u00f6lk\u0259d\u0259 vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rin m\u0259bl\u0259\u011fi 480,1 milyon manat t\u0259\u015fkil edib. Bu is\u0259 ilin \u0259vv\u0259lin\u0259 nisb\u0259t\u0259n 6,9 %, son 1 ild\u0259 is\u0259 2,3 % art\u0131m dem\u0259kdir. Problemli kreditl\u0259r niy\u0259 art\u0131r? Bu tendensiya v\u0259t\u0259nda\u015flara v\u0259 \u00f6lk\u0259y\u0259 n\u0259 v\u0259d edir? \u0130qtisad\u00e7\u0131 El\u00e7in&hellip;","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/797934"}],"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=797934"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/797934\/revisions"}],"predecessor-version":[{"id":797936,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/797934\/revisions\/797936"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/797935"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=797934"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=797934"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=797934"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}