“Az\u0259rbaycanda da\u015f\u0131nmaz \u0259mlak\u0131n katastrofik riskl\u0259rd\u0259n icbari s\u0131\u011fortas\u0131 n\u0259z\u0259rd\u0259 tutulur”. Bunu m\u0259tbuata a\u00e7\u0131qlamas\u0131nda M\u0259rk\u0259zi Bank\u0131n S\u0131\u011forta f\u0259aliyy\u0259tin\u0259 n\u0259zar\u0259t departamentinin direktoru V\u00fcsal Qurbanov deyib. O bildirib ki, beyn\u0259lxalq t\u0259cr\u00fcb\u0259d\u0259 oldu\u011fu kimi, \u00f6lk\u0259mizd\u0259 d\u0259 katastrofik riskl\u0259rin t\u0259sirinin azald\u0131lmas\u0131 \u00fc\u00e7\u00fcn s\u0131\u011forta effektiv m\u00fcdafi\u0259 mexanizmi say\u0131l\u0131r. Bununla \u0259laq\u0259dar olaraq da\u015f\u0131nmaz \u0259mlak\u0131n icbari s\u0131\u011fortas\u0131n\u0131n katastrofik riskl\u0259r \u00fczr\u0259 daha geni\u015f k\u00fctl\u0259y\u0259 t\u0259sir ed\u0259 bil\u0259c\u0259k \u0259h\u0259miyy\u0259tli z\u0259r\u0259rl\u0259rin aradan qald\u0131r\u0131lmas\u0131 istiqam\u0259tind\u0259 s\u0131\u011fortan\u0131n t\u0259siredici imkanlar\u0131n\u0131n art\u0131r\u0131lmas\u0131 n\u0259z\u0259rd\u0259 tutulur. Bu s\u0131\u011forta n\u00f6v\u00fc \u00fczr\u0259 beyn\u0259lxalq t\u0259cr\u00fcb\u0259y\u0259 \u0259saslanmaqla yeni konsepsiya haz\u0131rlan\u0131b v\u0259 aidiyy\u0259ti h\u00fcquqi aktlar\u0131n t\u0259rtib olunmas\u0131 \u00fczr\u0259 i\u015fl\u0259r davam etdirilir.<\/p>\n
Son d\u00f6vrl\u0259r da\u015fq\u0131n, sel, me\u015f\u0259 yan\u011f\u0131nlar\u0131, z\u0259lz\u0259l\u0259l\u0259r, h\u0259m\u00e7inin bir s\u0131ra k\u00fctl\u0259vi t\u0259l\u0259fatlara v\u0259 maddi ziyana s\u0259b\u0259b olan t\u0259bii f\u0259lak\u0259tl\u0259rin say\u0131n\u0131n artmas\u0131 il\u0259 M\u0259rk\u0259zi Bank da\u015f\u0131nmaz \u0259mlak\u0131n icbari s\u0131\u011fortas\u0131n\u0131 yenid\u0259n g\u00fcnd\u0259m\u0259 g\u0259tirib. M\u0259lumdur ki, \u0259slind\u0259 bu, “\u0130cbari s\u0131\u011forta haqq\u0131nda” qanunda yer al\u0131r, amma t\u0259tbiq olunmur. H\u0259tta bir ne\u00e7\u0259 il \u00f6nc\u0259 qanunun t\u0259tbiq edil\u0259c\u0259yi, s\u0131\u011forta olunmayanalar\u0131n c\u0259riml\u0259n\u0259c\u0259yi bar\u0259d\u0259\u00a0x\u0259b\u0259rl\u0259r<\/a>\u00a0yay\u0131lsa da, t\u0259tbiq edilm\u0259di.<\/p>\n Maraql\u0131d\u0131r, n\u0259 \u00fc\u00e7\u00fcn ya\u015fad\u0131\u011f\u0131m\u0131z m\u0259nzill\u0259ri s\u0131\u011forta etm\u0259kd\u0259 \u00e7\u0259tinlik \u00e7\u0259kirik? \u00dcmumiyy\u0259tl\u0259, bu sah\u0259d\u0259 probleml\u0259r n\u0259dir? Yeni konsepsiya bu istiqam\u0259td\u0259 n\u0259l\u0259ri d\u0259yi\u015f\u0259 bil\u0259r?<\/p>\n S\u0131\u011forta eksperti \u0130lkin N\u0259c\u0259fov bildirdi ki, da\u015f\u0131nmaz \u0259mlak\u0131n icbari s\u0131\u011fortas\u0131 da qanuna \u0259sas\u0259n, icbari qaydada edilm\u0259lidir: “Katastrofik riskl\u0259r dedikd\u0259 t\u0259bii f\u0259lak\u0259tl\u0259r, yan\u011f\u0131nlar, partlay\u0131\u015flar, ild\u0131r\u0131m vurmas\u0131, z\u0259lz\u0259l\u0259 kimi hadis\u0259l\u0259r n\u0259z\u0259rd\u0259 tutulur. H\u0259r bir \u0259mlak – ya\u015fay\u0131\u015f, qeyri-ya\u015fay\u0131\u015f sah\u0259si icbari qaydada s\u0131\u011fortalanmal\u0131d\u0131r. Haz\u0131rda sakinl\u0259r bunu etm\u0259kd\u0259 maraql\u0131 deyill\u0259r. \u00c7\u00fcnki c\u0259rim\u0259 mexanizminin i\u015fl\u0259k protokolu yoxdur. Bu c\u0259rim\u0259 mexanizmini h\u0259yata ke\u00e7ir\u0259c\u0259k m\u00fcvafiq icra hakimiyy\u0259ti orqan\u0131 t\u0259yin edilm\u0259yib. Qanun var, amma qanunun icras\u0131 il\u0259 ba\u011fl\u0131 c\u0259rim\u0259 mexanizmi olmad\u0131\u011f\u0131 \u00fc\u00e7\u00fcn \u0259hali d\u0259 \u0259mlak\u0131n\u0131 s\u0131\u011fortalam\u0131r”.<\/p>\n Qeyri-ya\u015fay\u0131\u015f sah\u0259l\u0259ri \u00fczr\u0259 \u0259hat\u0259 dair\u0259si 100 faiz\u0259 yax\u0131nd\u0131r<\/p>\n M\u00fct\u0259x\u0259ssis deyir ki, haz\u0131rda \u0259mlaklar\u0131n\u0131 s\u0131\u011fortalayanlar da\u015f\u0131nmaz \u0259mlakla ba\u011fl\u0131 notariusda, d\u00f6vl\u0259t orqanlar\u0131nda \u0259qdl\u0259r h\u0259yata ke\u00e7ir\u0259nl\u0259rdir: “Qeyri-ya\u015fay\u0131\u015f sah\u0259l\u0259rind\u0259 icbari s\u0131\u011forta \u00fczr\u0259 bazar\u0131n \u0259hat\u0259 g\u00f6st\u0259ricisi dem\u0259k olar ki, 100 faiz\u0259 yax\u0131nd\u0131r. \u00c7\u00fcnki icbari s\u0131\u011fortas\u0131 olmayan qeyri-ya\u015fay\u0131\u015f sah\u0259l\u0259ri F\u00f6vq\u0259lad\u0259 Hallar Nazirliyinin n\u00fcmay\u0259nd\u0259l\u0259ri t\u0259r\u0259find\u0259n c\u0259rim\u0259l\u0259nir. Amma ya\u015fay\u0131\u015f sah\u0259l\u0259rind\u0259 bu mexanizm yoxdur. M\u0259rk\u0259zi Bank bununla ba\u011fl\u0131 i\u015f apar\u0131r, m\u00fcvafiq icra hakimiyy\u0259ti orqan\u0131n\u0131n c\u0259rim\u0259 protokolu haz\u0131r olandan sonra bu s\u0131\u011fortan\u0131n t\u0259tbiqi h\u0259yata ke\u00e7iril\u0259c\u0259k”.<\/p>\n \u018fvv\u0259lki ill\u0259rl\u0259 m\u00fcqayis\u0259d\u0259 2-3 d\u0259f\u0259 azal\u0131b<\/p>\n \u018fmlak eksperti Elnur Azadov is\u0259 deyir ki, iki il \u00f6nc\u0259 bu sah\u0259d\u0259 maaifl\u0259ndirm\u0259 apar\u0131l\u0131r, c\u0259miyy\u0259td\u0259 maraq oyan\u0131rd\u0131. \u0130ndi is\u0259 v\u0259ziyy\u0259t d\u0259yi\u015fib: “\u00d6lk\u0259d\u0259 art\u0131q bir ne\u00e7\u0259 ildir ki, da\u015f\u0131nmaz \u0259mlak\u0131n icbari s\u0131\u011fortas\u0131 h\u0259yata ke\u00e7irilir, bununla ba\u011fl\u0131 m\u00fcvafiq qanunvericilik var. \u0130lk ill\u0259r bu bar\u0259d\u0259 geni\u015f m\u00fczakir\u0259l\u0259r apar\u0131ld\u0131. H\u0259tta s\u0131\u011forta olmad\u0131\u011f\u0131 halda inzibati m\u0259suliyy\u0259t\u0259, c\u0259rim\u0259l\u0259r\u0259 c\u0259lb olunma m\u0259s\u0259l\u0259si d\u0259 g\u00fcnd\u0259md\u0259 var idi. Bu s\u0259b\u0259bd\u0259n 2022-2023-c\u00fc ild\u0259 da\u015f\u0131nmaz \u0259mlak\u0131n icbari s\u0131\u011fortas\u0131 il\u0259 ba\u011fl\u0131 xeyli s\u0131\u011forta m\u00fcqavil\u0259l\u0259ri ba\u011flan\u0131ld\u0131 v\u0259 bu sah\u0259d\u0259 inki\u015faf var idi. Lakin 2024-c\u00fc ild\u0259 proses yenid\u0259n s\u0259ngidi. V\u0259t\u0259nda\u015flar sanki bunu unutdular. Ona g\u00f6r\u0259 d\u0259 da\u015f\u0131nmaz \u0259mlak\u0131n icbari s\u0131\u011fortas\u0131 \u0259vv\u0259lki ill\u0259rl\u0259 m\u00fcqayis\u0259d\u0259 2-3 d\u0259f\u0259 azald\u0131”.<\/p>\n S\u0131\u011forta hadis\u0259l\u0259ri az, riskl\u0259r \u00e7ox deyil<\/p>\n \u018fmlak eksperti deyir ki, da\u015f\u0131nmaz \u0259mlakda s\u0131\u011forta hadis\u0259l\u0259rinin say\u0131 az oldu\u011fundan, riskl\u0259r d\u0259 \u00e7ox deyil. Buna g\u00f6r\u0259 d\u0259 v\u0259t\u0259nda\u015flar \u0259mlak\u0131n\u0131 s\u0131\u011forta etm\u0259y\u0259 meyilli deyill\u0259r: “Bu sah\u0259nin inki\u015faf\u0131 \u00fc\u00e7\u00fcn \u00f6lk\u0259d\u0259 \u00e7ox i\u015fl\u0259r g\u00f6r\u00fclm\u0259lidir. M\u0259s\u0259l\u0259n, qeyri-r\u0259smi m\u0259lumata g\u00f6r\u0259, 500 mind\u0259n \u00e7ox m\u00fcxt\u0259lif da\u015f\u0131nmaz \u0259mlak\u0131n m\u00fclkiyy\u0259tl\u0259ri tan\u0131nm\u0131r, y\u0259ni, qanunsuz tikilil\u0259rdir. H\u0259tta m\u0259n\u0259 g\u00f6r\u0259 bu r\u0259q\u0259m 700-800 mindir. \u00c7\u00fcnki 500 min yaln\u0131z Bak\u0131 \u0259razisind\u0259dir. Bel\u0259 b\u00f6y\u00fck h\u0259cmd\u0259 da\u015f\u0131nmaz \u0259mlak\u0131n amnistiyas\u0131 olmal\u0131d\u0131r. Bu istiqam\u0259td\u0259 ill\u0259rdir i\u015fl\u0259r apar\u0131l\u0131r, lakin h\u0259l\u0259 d\u0259 n\u0259tic\u0259 yoxdur. N\u0259 vaxt ki, \u00f6lk\u0259d\u0259 olan b\u00fct\u00fcn da\u015f\u0131nmaz \u0259mlaklar\u0131n m\u00fclkiyy\u0259ti tan\u0131nacaq, bu sektorun inki\u015faf\u0131 \u00fc\u00e7\u00fcn daha \u00e7ox i\u015ftirak\u00e7\u0131 c\u0259lb olunacaq”.<\/p>\n H\u0259r hans\u0131 b\u0259db\u0259xt hadis\u0259 olarsa…<\/p>\n M\u00fct\u0259x\u0259ssisin s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, n\u00f6vb\u0259ti problem odur ki, \u00f6lk\u0259d\u0259 11 min\u0259 yax\u0131n istismar m\u00fcdd\u0259ti bitmi\u015f \u00e7oxm\u0259nzilli k\u00f6hn\u0259 bina var: “Onlar\u0131n da s\u0131\u011fortaya c\u0259lb olunmas\u0131 s\u0131\u011forta sektoru \u00fc\u00e7\u00fcn risklidir. Onlar\u0131n i\u00e7ind\u0259 xeyli sayda q\u0259zal\u0131 v\u0259 yar\u0131mq\u0259zal\u0131 bina var. Bu, ciddi s\u0259b\u0259bdir. \u00c7\u00fcnki s\u0131\u011forta \u015firk\u0259tl\u0259ri q\u0259zal\u0131 v\u0259 yar\u0131mq\u0259zal\u0131 binalardak\u0131 m\u0259nzill\u0259ri s\u0131\u011forta etm\u0259kd\u0259n boyun qa\u00e7\u0131r\u0131rlar. H\u0259r hans\u0131 b\u0259db\u0259xt hadis\u0259 olarsa, t\u0259bii ki, bunun da n\u0259tic\u0259si yax\u015f\u0131 olmayacaq”.<\/p>\n M\u0259lumat \u00fc\u00e7\u00fcn bildir\u0259k ki, da\u015f\u0131nmaz \u0259mlak\u0131n icbari s\u0131\u011fortas\u0131 illik Bak\u0131 \u0259razisind\u0259 50 manat, G\u0259nc\u0259, Sumqay\u0131t v\u0259 Nax\u00e7\u0131vanda 40 manat, dig\u0259r rayonlarda is\u0259 30 manatd\u0131r. H\u0259r hans\u0131 b\u0259db\u0259xt hadis\u0259 zaman\u0131 v\u0259t\u0259nda\u015fa \u00f6d\u0259nil\u0259c\u0259k s\u0131\u011forta m\u0259bl\u0259\u011fi G\u0259nc\u0259, Sumqay\u0131t v\u0259 Nax\u00e7\u0131vanda 20 min manata q\u0259d\u0259r, Bak\u0131da 25 min manatd\u0131r. Dig\u0259r ya\u015fay\u0131\u015f m\u0259nt\u0259q\u0259l\u0259rind\u0259 bu m\u0259bl\u0259\u011f 15 min manat m\u00fc\u0259yy\u0259n olunub. (“Kaspi” q\u0259zeti)<\/p>\n","protected":false},"excerpt":{"rendered":" “Az\u0259rbaycanda da\u015f\u0131nmaz \u0259mlak\u0131n katastrofik riskl\u0259rd\u0259n icbari s\u0131\u011fortas\u0131 n\u0259z\u0259rd\u0259 tutulur”. Bunu m\u0259tbuata a\u00e7\u0131qlamas\u0131nda M\u0259rk\u0259zi Bank\u0131n S\u0131\u011forta f\u0259aliyy\u0259tin\u0259 n\u0259zar\u0259t departamentinin direktoru V\u00fcsal Qurbanov deyib. O bildirib ki, beyn\u0259lxalq t\u0259cr\u00fcb\u0259d\u0259 oldu\u011fu kimi, \u00f6lk\u0259mizd\u0259 d\u0259 katastrofik riskl\u0259rin t\u0259sirinin azald\u0131lmas\u0131 \u00fc\u00e7\u00fcn s\u0131\u011forta effektiv m\u00fcdafi\u0259 mexanizmi say\u0131l\u0131r. Bununla \u0259laq\u0259dar olaraq da\u015f\u0131nmaz \u0259mlak\u0131n icbari s\u0131\u011fortas\u0131n\u0131n katastrofik riskl\u0259r \u00fczr\u0259 daha geni\u015f k\u00fctl\u0259y\u0259 t\u0259sir ed\u0259 bil\u0259c\u0259k \u0259h\u0259miyy\u0259tli z\u0259r\u0259rl\u0259rin aradan qald\u0131r\u0131lmas\u0131 istiqam\u0259tind\u0259 s\u0131\u011fortan\u0131n t\u0259siredici imkanlar\u0131n\u0131n art\u0131r\u0131lmas\u0131 n\u0259z\u0259rd\u0259 tutulur. Bu s\u0131\u011forta n\u00f6v\u00fc \u00fczr\u0259 beyn\u0259lxalq t\u0259cr\u00fcb\u0259y\u0259 \u0259saslanmaqla yeni konsepsiya haz\u0131rlan\u0131b v\u0259 aidiyy\u0259ti h\u00fcquqi aktlar\u0131n t\u0259rtib olunmas\u0131 \u00fczr\u0259 i\u015fl\u0259r davam etdirilir. Son d\u00f6vrl\u0259r…<\/p>\n","protected":false},"author":2,"featured_media":801322,"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\/siqorta_81745065572.jpg",618,432,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/siqorta_81745065572.jpg",618,432,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/siqorta_81745065572.jpg",618,432,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/siqorta_81745065572-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/siqorta_81745065572-522x365.jpg",522,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/siqorta_81745065572.jpg",618,432,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/siqorta_81745065572.jpg",618,432,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/siqorta_81745065572.jpg",618,432,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/siqorta_81745065572-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/siqorta_81745065572.jpg",618,432,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":"“Az\u0259rbaycanda da\u015f\u0131nmaz \u0259mlak\u0131n katastrofik riskl\u0259rd\u0259n icbari s\u0131\u011fortas\u0131 n\u0259z\u0259rd\u0259 tutulur”. Bunu m\u0259tbuata a\u00e7\u0131qlamas\u0131nda M\u0259rk\u0259zi Bank\u0131n S\u0131\u011forta f\u0259aliyy\u0259tin\u0259 n\u0259zar\u0259t departamentinin direktoru V\u00fcsal Qurbanov deyib. O bildirib ki, beyn\u0259lxalq t\u0259cr\u00fcb\u0259d\u0259 oldu\u011fu kimi, \u00f6lk\u0259mizd\u0259 d\u0259 katastrofik riskl\u0259rin t\u0259sirinin azald\u0131lmas\u0131 \u00fc\u00e7\u00fcn s\u0131\u011forta effektiv m\u00fcdafi\u0259 mexanizmi say\u0131l\u0131r. Bununla \u0259laq\u0259dar olaraq da\u015f\u0131nmaz \u0259mlak\u0131n icbari s\u0131\u011fortas\u0131n\u0131n katastrofik riskl\u0259r \u00fczr\u0259 daha geni\u015f k\u00fctl\u0259y\u0259 t\u0259sir…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/801321"}],"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=801321"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/801321\/revisions"}],"predecessor-version":[{"id":801323,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/801321\/revisions\/801323"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/801322"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=801321"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=801321"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=801321"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}