{"id":798954,"date":"2025-04-10T18:02:25","date_gmt":"2025-04-10T14:02:25","guid":{"rendered":"https:\/\/arantv.az\/?p=798954"},"modified":"2025-04-10T18:02:25","modified_gmt":"2025-04-10T14:02:25","slug":"m%c9%99d%c9%99niyy%c9%99t-adamlari-biznes-krediti-il%c9%99-layih%c9%99-yarada-bil%c9%99rmi-nof%c9%99l-sahlaroglundan-maraqli-aciqlama","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=798954","title":{"rendered":"M\u0259d\u0259niyy\u0259t adamlar\u0131 biznes krediti il\u0259 layih\u0259 yarada bil\u0259rmi? – Nof\u0259l \u015eahlaro\u011flundan MARAQLI A\u00c7IQLAMA"},"content":{"rendered":"

M\u0259d\u0259niyy\u0259t v\u0259 yarad\u0131c\u0131 s\u0259naye XXI \u0259srin apar\u0131c\u0131 iqtisadi v\u0259 sosial inki\u015faf trendl\u0259rind\u0259n biri kimi formala\u015f\u0131r. Bu sah\u0259d\u0259 u\u011furlu layih\u0259l\u0259rin \u2013 ist\u0259r film, teatr tama\u015fas\u0131, kitab, ist\u0259rs\u0259 d\u0259 s\u0259n\u0259t layih\u0259l\u0259rinin \u0259rs\u0259y\u0259 g\u0259lm\u0259si \u00fc\u00e7\u00fcn \u0259sas \u015f\u0259rtl\u0259rd\u0259n biri dayan\u0131ql\u0131 maliyy\u0259 t\u0259minat\u0131d\u0131r. Az\u0259rbaycanda is\u0259 bu m\u0259s\u0259l\u0259 h\u0259l\u0259 d\u0259 kompleks h\u0259ll t\u0259l\u0259b ed\u0259n m\u00f6vzulardand\u0131r.<\/strong><\/p>\n

Yarad\u0131c\u0131 \u015f\u0259xsl\u0259r \u00fc\u00e7\u00fcn bir s\u0131ra maliyy\u0259 m\u0259nb\u0259l\u0259ri m\u00f6vcud olsa da, bu imkanlardan istifad\u0259nin sistemsiz v\u0259 koordinasiyadan uzaq olmas\u0131 onlar\u0131n ideyalar\u0131n\u0131n ger\u00e7\u0259kl\u0259\u015fm\u0259sin\u0259 \u0259ng\u0259l yarad\u0131r. \u00c7\u0131x\u0131\u015f yollar\u0131ndan biri kimi biznes kreditl\u0259ri v\u0259 d\u00f6vl\u0259t z\u0259man\u0259tli fondlar g\u00f6st\u0259rils\u0259 d\u0259, real v\u0259ziyy\u0259t f\u0259rqli m\u0259nz\u0259r\u0259 ortaya qoyur.<\/p>\n

Bu bar\u0259d\u0259 filologiya elml\u0259ri \u00fczr\u0259 f\u0259ls\u0259f\u0259 doktoru, aktyor Nof\u0259l \u015eahlaro\u011flu Finss.az-a geni\u015f a\u00e7\u0131qlama verib.<\/p>\n

\"\"<\/p>\n

\u201cMaliyy\u0259 m\u0259nb\u0259l\u0259ri var, amma sistemli mexanizm yoxdur\u201d<\/strong><\/p>\n

N.\u015eahlaro\u011flunun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, yarad\u0131c\u0131 \u015f\u0259xsl\u0259r \u00fc\u00e7\u00fcn n\u0259z\u0259rd\u0259 tutulan maliyy\u0259 m\u0259nb\u0259l\u0259ri m\u00f6vcuddur, lakin bu imkanlar\u0131n koordinasiyal\u0131 \u015f\u0259kild\u0259 t\u0259tbiqi ciddi \u00e7at\u0131\u015fmazl\u0131qd\u0131r:<\/p>\n

\u201cYarad\u0131c\u0131 insanlar \u00fc\u00e7\u00fcn m\u00fcxt\u0259lif maliyy\u0259 m\u0259nb\u0259l\u0259ri m\u00f6vcuddur. Buraya m\u0259d\u0259niyy\u0259t v\u0259 dig\u0259r nazirlikl\u0259r, d\u00f6vl\u0259t qurumlar\u0131, investorlar, reklam t\u0259klif ed\u0259n sponsorlar v\u0259 dig\u0259r qurumlar daxildir. Lakin t\u0259\u0259ss\u00fcf ki, bu sah\u0259d\u0259 maliyy\u0259l\u0259\u015fm\u0259ni t\u0259nziml\u0259y\u0259n konkret v\u0259 sistemli bir qanunvericilik mexanizmi yoxdur. Daha \u00e7ox individual m\u00fcnasib\u0259tl\u0259r, \u015f\u0259xsi t\u0259\u015f\u0259bb\u00fcsl\u0259r v\u0259 yarad\u0131c\u0131l\u0131\u011fa olan m\u00fcnasib\u0259t \u00f6n plandad\u0131r.\u201d<\/p>\n

O \u0259lav\u0259 edib ki, b\u0259zi layih\u0259l\u0259rd\u0259, m\u00fcsabiq\u0259l\u0259rd\u0259 v\u0259 tenderl\u0259rd\u0259 t\u0259qdim olunan udu\u015f fondlar\u0131 v\u0259 pul m\u00fckafatlar\u0131 \u00e7ox ki\u00e7ik m\u0259bl\u0259\u011fl\u0259rl\u0259 m\u0259hdudla\u015f\u0131r:<\/p>\n

\u201cBu da h\u0259m yarad\u0131c\u0131 \u015f\u0259xsl\u0259rin motivasiyas\u0131na, h\u0259m d\u0259 layih\u0259nin davaml\u0131l\u0131\u011f\u0131na m\u0259nfi t\u0259sir g\u00f6st\u0259rir. Ona g\u00f6r\u0259 d\u0259 bu sah\u0259d\u0259 konkret t\u0259dbirl\u0259r plan\u0131 v\u0259 sistemli d\u00f6vl\u0259t d\u0259st\u0259yi mexanizml\u0259ri haz\u0131rlanmal\u0131 v\u0259 t\u0259tbiq edilm\u0259lidir.\u201d<\/p>\n

\"\"<\/p>\n

Bank sektorunun d\u0259st\u0259yi: Sistemsizlik v\u0259 risk yana\u015fmas\u0131<\/strong><\/p>\n

Yarad\u0131c\u0131 iqtisadiyyat\u0131n maliyy\u0259l\u0259\u015fdirilm\u0259si sah\u0259sind\u0259 banklar\u0131n m\u00f6vqeyi d\u0259 \u0259h\u0259miyy\u0259tlidir. Lakin aktyor bu sah\u0259d\u0259 d\u0259 ciddi probleml\u0259rin oldu\u011funu qeyd edib:<\/p>\n

\u201cAz\u0259rbaycanda bank sektoru h\u0259m d\u00f6vl\u0259t, h\u0259m d\u0259 qeyri-d\u00f6vl\u0259t layih\u0259l\u0259rin\u0259 d\u0259st\u0259k g\u00f6st\u0259rm\u0259kd\u0259 m\u00fc\u0259yy\u0259n rol oynay\u0131b. Banklar m\u00fcxt\u0259lif vaxtlarda ba\u015f sponsor, adi sponsor v\u0259 ya t\u0259\u015fkilati d\u0259st\u0259k\u00e7i kimi \u00e7\u0131x\u0131\u015f edibl\u0259r. Bu d\u0259st\u0259k klip v\u0259 sosial \u00e7arxlardan tutmu\u015f kommersiya xarakterli filml\u0259r\u0259 q\u0259d\u0259r uzan\u0131r. Lakin \u0259sas m\u0259s\u0259l\u0259 ondan ibar\u0259tdir ki, bu investisiyalar\u0131n n\u0259 d\u0259r\u0259c\u0259d\u0259 m\u0259qs\u0259dy\u00f6nl\u00fc v\u0259 d\u00fczg\u00fcn \u00fcnvanland\u0131\u011f\u0131, onlar\u0131n iqtisadi v\u0259 ictimai geri d\u00f6n\u00fc\u015f\u00fcn\u00fcn olub-olmad\u0131\u011f\u0131 ciddi \u015f\u0259kild\u0259 t\u0259hlil edilm\u0259lidir\u201d.<\/p>\n

N.\u015eahlaro\u011flunun fikrinc\u0259, ayr\u0131lan v\u0259saitl\u0259rin daha qlobal v\u0259 \u0259h\u0259miyy\u0259tli layih\u0259l\u0259r\u0259 \u2013 y\u0259ni c\u0259miyy\u0259t\u0259 v\u0259 iqtisadiyyata b\u00f6y\u00fck t\u0259sir potensial\u0131 olan t\u0259\u015f\u0259bb\u00fcsl\u0259r\u0259 y\u00f6n\u0259ldilm\u0259si \u00fc\u00e7\u00fcn prioritet sah\u0259l\u0259rin d\u0259qiq m\u00fc\u0259yy\u0259nl\u0259\u015fdirilm\u0259si z\u0259ruridir:<\/p>\n

\u201cRisk is\u0259 bank sektoru \u00fc\u00e7\u00fcn qa\u00e7\u0131lmaz v\u0259 t\u0259bii bir hald\u0131r v\u0259 bu, d\u00fczg\u00fcn idar\u0259etm\u0259 il\u0259 minimal s\u0259viyy\u0259y\u0259 endiril\u0259 bil\u0259r.\u201d<\/p>\n

\"\"<\/p>\n

D\u00f6vl\u0259t z\u0259man\u0259tli fondlar v\u0259 g\u00fcz\u0259\u015ftli kreditl\u0259r: G\u0259l\u0259c\u0259y\u0259 bax\u0131\u015f<\/strong><\/p>\n

Yarad\u0131c\u0131 s\u0259nayenin inki\u015faf\u0131 \u00fc\u00e7\u00fcn alternativ v\u0259 dayan\u0131ql\u0131 maliyy\u0259 mexanizml\u0259rinin formala\u015fd\u0131r\u0131lmas\u0131 z\u0259rur\u0259ti g\u00fcnd\u0259md\u0259dir. N.\u015eahlaro\u011flu bildirib ki, bu istiqam\u0259td\u0259 beyn\u0259lxalq t\u0259cr\u00fcb\u0259y\u0259 uy\u011fun fondlar\u0131n yarad\u0131lmas\u0131 vacib add\u0131md\u0131r:<\/p>\n

\u201cD\u00f6vl\u0259t z\u0259man\u0259tli fondlar\u0131n yarad\u0131lmas\u0131 ill\u0259rdir ki, lab\u00fcd v\u0259 vacib add\u0131m kimi qiym\u0259tl\u0259ndirilm\u0259lidir. Bu, d\u00fcnya t\u0259cr\u00fcb\u0259sind\u0259 d\u0259 geni\u015f \u015f\u0259kild\u0259 t\u0259tbiq olunan mexanizmdir. X\u00fcsusil\u0259 geni\u015fmiqyasl\u0131, b\u00f6y\u00fck b\u00fcdc\u0259li layih\u0259l\u0259rin h\u0259yata ke\u00e7irilm\u0259sind\u0259 bel\u0259 fondlara ciddi ehtiyac duyulur.\u201d<\/p>\n

Onun fikrinc\u0259, bu fondlarla yana\u015f\u0131, t\u0259nziml\u0259nmi\u015f \u015f\u0259rtl\u0259rl\u0259 t\u0259qdim edil\u0259n g\u00fcz\u0259\u015ftli kreditl\u0259r d\u0259 yarad\u0131c\u0131 \u015f\u0259xsl\u0259r\u0259 v\u0259 innovasiya sektorunun inki\u015faf\u0131na ciddi d\u0259st\u0259k ola bil\u0259r:<\/p>\n

\u201cBu mexanizml\u0259r vasit\u0259sil\u0259 h\u0259m maliyy\u0259 riski azald\u0131la, h\u0259m d\u0259 sosial v\u0259 iqtisadi d\u0259y\u0259r yaradan layih\u0259l\u0259rin realla\u015fd\u0131r\u0131lmas\u0131 t\u0259min oluna bil\u0259r.\u201d<\/p>\n

H\u00fcquqi v\u0259 maliyy\u0259 bazas\u0131 formala\u015fmal\u0131d\u0131r<\/strong><\/p>\n

Aktyorun fikirl\u0259ri g\u00f6st\u0259rir ki, Az\u0259rbaycanda m\u0259d\u0259niyy\u0259t v\u0259 yarad\u0131c\u0131 sah\u0259l\u0259r \u00fc\u00e7\u00fcn maliyy\u0259 imkanlar\u0131n\u0131n formala\u015fd\u0131r\u0131lmas\u0131 t\u0259kc\u0259 yarad\u0131c\u0131 \u015f\u0259xsl\u0259rin m\u0259suliyy\u0259ti deyil. Bu m\u0259s\u0259l\u0259 d\u00f6vl\u0259t siyas\u0259tinin, bank sektorunun v\u0259 \u00fcmumi iqtisadi strategiyan\u0131n bir hiss\u0259si olmal\u0131d\u0131r.<\/p>\n

Yaln\u0131z bu halda, yarad\u0131c\u0131 t\u0259\u015f\u0259bb\u00fcsl\u0259r dayan\u0131ql\u0131 v\u0259 t\u0259sirli n\u0259tic\u0259l\u0259r ver\u0259 bil\u0259r. \u018fks halda, ideyalar ka\u011f\u0131z \u00fcz\u0259rind\u0259 qalacaq, istedadlar is\u0259 maliyy\u0259 baryerl\u0259ri il\u0259 \u00fcz-\u00fcz\u0259 dayanacaq.<\/p>\n","protected":false},"excerpt":{"rendered":"

M\u0259d\u0259niyy\u0259t v\u0259 yarad\u0131c\u0131 s\u0259naye XXI \u0259srin apar\u0131c\u0131 iqtisadi v\u0259 sosial inki\u015faf trendl\u0259rind\u0259n biri kimi formala\u015f\u0131r. Bu sah\u0259d\u0259 u\u011furlu layih\u0259l\u0259rin \u2013 ist\u0259r film, teatr tama\u015fas\u0131, kitab, ist\u0259rs\u0259 d\u0259 s\u0259n\u0259t layih\u0259l\u0259rinin \u0259rs\u0259y\u0259 g\u0259lm\u0259si \u00fc\u00e7\u00fcn \u0259sas \u015f\u0259rtl\u0259rd\u0259n biri dayan\u0131ql\u0131 maliyy\u0259 t\u0259minat\u0131d\u0131r. Az\u0259rbaycanda is\u0259 bu m\u0259s\u0259l\u0259 h\u0259l\u0259 d\u0259 kompleks h\u0259ll t\u0259l\u0259b ed\u0259n m\u00f6vzulardand\u0131r. Yarad\u0131c\u0131 \u015f\u0259xsl\u0259r \u00fc\u00e7\u00fcn bir s\u0131ra maliyy\u0259 m\u0259nb\u0259l\u0259ri m\u00f6vcud olsa da, bu imkanlardan istifad\u0259nin sistemsiz v\u0259 koordinasiyadan uzaq olmas\u0131 onlar\u0131n ideyalar\u0131n\u0131n ger\u00e7\u0259kl\u0259\u015fm\u0259sin\u0259 \u0259ng\u0259l yarad\u0131r. \u00c7\u0131x\u0131\u015f yollar\u0131ndan biri kimi biznes kreditl\u0259ri v\u0259 d\u00f6vl\u0259t z\u0259man\u0259tli fondlar g\u00f6st\u0259rils\u0259 d\u0259, real v\u0259ziyy\u0259t f\u0259rqli m\u0259nz\u0259r\u0259 ortaya qoyur.…<\/p>\n","protected":false},"author":2,"featured_media":798955,"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\/2025\/04\/f32b541913f888e7e8e07b225b69048f.jpg",620,400,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/f32b541913f888e7e8e07b225b69048f.jpg",620,400,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/f32b541913f888e7e8e07b225b69048f.jpg",620,400,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/f32b541913f888e7e8e07b225b69048f-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/f32b541913f888e7e8e07b225b69048f-566x365.jpg",566,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/f32b541913f888e7e8e07b225b69048f.jpg",620,400,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/f32b541913f888e7e8e07b225b69048f.jpg",620,400,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/f32b541913f888e7e8e07b225b69048f.jpg",620,400,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/f32b541913f888e7e8e07b225b69048f-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/f32b541913f888e7e8e07b225b69048f.jpg",620,400,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":"M\u0259d\u0259niyy\u0259t v\u0259 yarad\u0131c\u0131 s\u0259naye XXI \u0259srin apar\u0131c\u0131 iqtisadi v\u0259 sosial inki\u015faf trendl\u0259rind\u0259n biri kimi formala\u015f\u0131r. Bu sah\u0259d\u0259 u\u011furlu layih\u0259l\u0259rin \u2013 ist\u0259r film, teatr tama\u015fas\u0131, kitab, ist\u0259rs\u0259 d\u0259 s\u0259n\u0259t layih\u0259l\u0259rinin \u0259rs\u0259y\u0259 g\u0259lm\u0259si \u00fc\u00e7\u00fcn \u0259sas \u015f\u0259rtl\u0259rd\u0259n biri dayan\u0131ql\u0131 maliyy\u0259 t\u0259minat\u0131d\u0131r. Az\u0259rbaycanda is\u0259 bu m\u0259s\u0259l\u0259 h\u0259l\u0259 d\u0259 kompleks h\u0259ll t\u0259l\u0259b ed\u0259n m\u00f6vzulardand\u0131r. Yarad\u0131c\u0131 \u015f\u0259xsl\u0259r \u00fc\u00e7\u00fcn bir s\u0131ra maliyy\u0259…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/798954"}],"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=798954"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/798954\/revisions"}],"predecessor-version":[{"id":798956,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/798954\/revisions\/798956"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/798955"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=798954"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=798954"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=798954"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}