“Maliyy\u0259 Nazirliyinin sistem \u0259h\u0259miyy\u0259tli banklara t\u0259xmin\u0259n 1 milyard dollarl\u0131q depozit yerl\u0259\u015fdirmsi iqtisadi m\u00fczakir\u0259l\u0259r\u0259 s\u0259b\u0259b olub. B\u0259z\u0259n bu hadis\u0259 Az\u0259rbaycanda kredit faizl\u0259rinin \u00fcmumi ucuzla\u015fmas\u0131n\u0131n ba\u015flan\u011f\u0131c\u0131 kimi \u015f\u0259rh edlir. Lakin bel\u0259 bir n\u0259tic\u0259y\u0259 g\u0259lm\u0259k \u00fc\u00e7\u00fcn ciddi \u0259saslar yoxdur”.<\/p>\n
Milli.Az x\u0259b\u0259r verir ki, bunu iqtisad\u00e7\u0131 ekspert Eld\u0259niz \u018fmirov deyib.<\/p>\n
O, bildirib ki, bu g\u00fcn depozit portfeli t\u0259xmin\u0259n 40 milyard manatd\u0131r. Bir m\u00fcdd\u0259t \u0259vv\u0259l bu portfel 38 milyard manat olandak\u0131 faizl\u0259rl\u0259 40 milyard manat olandak\u0131 faizl\u0259r aras\u0131nda ciddi faizl\u0259ri endirimi yox idi. Dem\u0259li, depozit porfelnin indi 2-3% artmas\u0131 sistem \u00fczr\u0259 kredit faizl\u0259rin\u0259 k\u0259skin v\u0259 davaml\u0131 t\u0259zyiq yaratmaq g\u00fcc\u00fcnd\u0259 deyil:<\/p>\n
“N\u0259z\u0259r\u0259 almaq laz\u0131md\u0131r ki, Maliyy\u0259 Nazirliyi yerl\u0259\u015fdirdiyi bu v\u0259saitl\u0259ri q\u0131sa m\u00fcdd\u0259t\u0259 \u0259sas\u0259n 1-3 ay intervallar\u0131 il\u0259 yerl\u0259\u015fdirir. Halbuki bank kreditl\u0259ri is\u0259 uzun m\u00fcdd\u0259t\u0259, y\u0259ni bir ne\u00e7\u0259 il \u00fc\u00e7\u00fcn verilir. Dem\u0259li, q\u0131sa m\u00fcdd\u0259tli depozitl\u0259rin uzunm\u00fcdd\u0259tli kredit faizl\u0259rin\u0259 davaml\u0131 t\u0259sir g\u00f6st\u0259rm\u0259si is\u0259 m\u00fcmk\u00fcn deyil.<\/p>\n
Kredit faizl\u0259rin\u0259 t\u0259sir ed\u0259n t\u0259k amil banklardak\u0131 likvidlik deyil. Pul siyas\u0259ti, makroiqtisadi riskl\u0259r, inflyasiya g\u00f6zl\u0259ntil\u0259ri v\u0259 bank sektorunun risk qiym\u0259tl\u0259ndirm\u0259 siyas\u0259tl\u0259ri d\u0259 bu m\u0259s\u0259l\u0259d\u0259 h\u0259lledici rol oynay\u0131r. Bug\u00fcnk\u00fc reall\u0131qda is\u0259 Az\u0259rbaycanda pul siyas\u0259ti ehtiyatl\u0131 qal\u0131r v\u0259 inflyasiya h\u0259l\u0259 d\u0259 diqq\u0259t m\u0259rk\u0259zind\u0259dir.<\/p>\n
\u018flq\u0259r\u0259z, 1 milyard dollarl\u0131q depozitin yerl\u0259\u015fdirilm\u0259si fonunda kredit faizl\u0259rinin k\u0259skin d\u00fc\u015f\u0259c\u0259yini g\u00f6zl\u0259m\u0259k qeyri-real arzulara qap\u0131lmaqdan ba\u015fqa bir \u015fey deyil. \u0130qtisadi prosesl\u0259r is\u0259 reall\u0131q \u00fcz\u0259rind\u0259 qurulmal\u0131d\u0131r, qeyri-realist g\u00f6zl\u0259ntil\u0259r is\u0259 yanl\u0131\u015f q\u0259rar v\u0259 \u00fcmidl\u0259r\u0259 s\u0259b\u0259b ola bil\u0259r”.<\/p>\n","protected":false},"excerpt":{"rendered":"
“Maliyy\u0259 Nazirliyinin sistem \u0259h\u0259miyy\u0259tli banklara t\u0259xmin\u0259n 1 milyard dollarl\u0131q depozit yerl\u0259\u015fdirmsi iqtisadi m\u00fczakir\u0259l\u0259r\u0259 s\u0259b\u0259b olub. B\u0259z\u0259n bu hadis\u0259 Az\u0259rbaycanda kredit faizl\u0259rinin \u00fcmumi ucuzla\u015fmas\u0131n\u0131n ba\u015flan\u011f\u0131c\u0131 kimi \u015f\u0259rh edlir. Lakin bel\u0259 bir n\u0259tic\u0259y\u0259 g\u0259lm\u0259k \u00fc\u00e7\u00fcn ciddi \u0259saslar yoxdur”. Milli.Az x\u0259b\u0259r verir ki, bunu iqtisad\u00e7\u0131 ekspert Eld\u0259niz \u018fmirov deyib. O, bildirib ki, bu g\u00fcn depozit portfeli t\u0259xmin\u0259n 40 milyard manatd\u0131r. Bir m\u00fcdd\u0259t \u0259vv\u0259l bu portfel 38 milyard manat olandak\u0131 faizl\u0259rl\u0259 40 milyard manat olandak\u0131 faizl\u0259r aras\u0131nda ciddi faizl\u0259ri endirimi yox idi. Dem\u0259li, depozit porfelnin indi 2-3% artmas\u0131 sistem \u00fczr\u0259 kredit faizl\u0259rin\u0259 k\u0259skin v\u0259…<\/p>\n","protected":false},"author":2,"featured_media":803361,"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\/ad5d1629882a85bc42a6cfcf90efcc55.jpg",800,500,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/ad5d1629882a85bc42a6cfcf90efcc55.jpg",800,500,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/ad5d1629882a85bc42a6cfcf90efcc55.jpg",800,500,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/ad5d1629882a85bc42a6cfcf90efcc55-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/ad5d1629882a85bc42a6cfcf90efcc55-584x365.jpg",584,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/ad5d1629882a85bc42a6cfcf90efcc55.jpg",640,400,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/ad5d1629882a85bc42a6cfcf90efcc55.jpg",800,500,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/ad5d1629882a85bc42a6cfcf90efcc55.jpg",800,500,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/ad5d1629882a85bc42a6cfcf90efcc55-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/ad5d1629882a85bc42a6cfcf90efcc55.jpg",800,500,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":"“Maliyy\u0259 Nazirliyinin sistem \u0259h\u0259miyy\u0259tli banklara t\u0259xmin\u0259n 1 milyard dollarl\u0131q depozit yerl\u0259\u015fdirmsi iqtisadi m\u00fczakir\u0259l\u0259r\u0259 s\u0259b\u0259b olub. B\u0259z\u0259n bu hadis\u0259 Az\u0259rbaycanda kredit faizl\u0259rinin \u00fcmumi ucuzla\u015fmas\u0131n\u0131n ba\u015flan\u011f\u0131c\u0131 kimi \u015f\u0259rh edlir. Lakin bel\u0259 bir n\u0259tic\u0259y\u0259 g\u0259lm\u0259k \u00fc\u00e7\u00fcn ciddi \u0259saslar yoxdur”. Milli.Az x\u0259b\u0259r verir ki, bunu iqtisad\u00e7\u0131 ekspert Eld\u0259niz \u018fmirov deyib. O, bildirib ki, bu g\u00fcn depozit portfeli t\u0259xmin\u0259n 40…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/803360"}],"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=803360"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/803360\/revisions"}],"predecessor-version":[{"id":803362,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/803360\/revisions\/803362"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/803361"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=803360"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=803360"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=803360"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}