{"id":803408,"date":"2025-04-30T10:43:30","date_gmt":"2025-04-30T06:43:30","guid":{"rendered":"https:\/\/arantv.az\/?p=803408"},"modified":"2025-04-30T10:43:30","modified_gmt":"2025-04-30T06:43:30","slug":"yastiq-alti-banklardan-daha-etibarlidir","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=803408","title":{"rendered":"\u201cYast\u0131q alt\u0131\u201d banklardan daha etibarl\u0131d\u0131r"},"content":{"rendered":"

Az\u0259rbaycanda niy\u0259 c\u0259mi 150 min v\u0259t\u0259nda\u015f\u0131n \u0259man\u0259t hesab\u0131 var?<\/strong><\/p>\n

\u00d6t\u0259n h\u0259ft\u0259 M\u0259rk\u0259zi Bank\u0131n s\u0259dri Taleh Kaz\u0131movla iqtisad\u00e7\u0131lar\u0131n g\u00f6r\u00fc\u015f\u00fcnd\u0259 m\u00fczakir\u0259 olunan m\u0259s\u0259l\u0259l\u0259rd\u0259n biri d\u0259 Az\u0259rbaycanda banklara pul \u0259man\u0259t ed\u0259n \u015f\u0259xsl\u0259rin say\u0131n\u0131n azl\u0131\u011f\u0131 olub. M\u00fczakir\u0259l\u0259r zaman\u0131 M\u0259rk\u0259zi Bank s\u0259dri unikal \u0259man\u0259t hesablar\u0131 il\u0259 ba\u011fl\u0131 narahatl\u0131\u011f\u0131n\u0131 dil\u0259 g\u0259tirib. Onun fikrinc\u0259, c\u0259mi 150 min v\u0259t\u0259nda\u015f\u0131n \u0259man\u0259t hesab\u0131n\u0131n olmas\u0131 Az\u0259rbaycan \u00fc\u00e7\u00fcn azd\u0131r.<\/em><\/p>\n

M\u0259rk\u0259zi Bank\u0131n r\u0259smi statistikas\u0131na \u0259sas\u0259n 2024-c\u00fc ild\u0259 Az\u0259rbaycan\u0131n bank sektorunda m\u00fcdd\u0259tli unikal \u0259man\u0259t\u00e7il\u0259rin say\u0131 41\u00a0 faiz artaraq 150,5 min n\u0259f\u0259r\u0259 \u00e7at\u0131b. T\u0259nziml\u0259yici qeyd edir ki, bu, \u00f6t\u0259n d\u00f6vrl\u0259rl\u0259 m\u00fcqayis\u0259d\u0259 \u0259h\u0259miyy\u0259tli bir ir\u0259lil\u0259yi\u015fdir: \u201cArt\u0131m\u0131n b\u00f6y\u00fck hiss\u0259si x\u0131rda m\u0259bl\u0259\u011fli \u0259man\u0259t\u00e7il\u0259rin hesab\u0131na ba\u015f verib. Bel\u0259 ki, yeni unikal \u0259man\u0259t\u00e7il\u0259rin 77,6\u00a0 faizini 30 000 manatad\u0259k m\u0259bl\u0259\u011fd\u0259 \u0259man\u0259tl\u0259ri olanlar t\u0259\u015fkil edib. Bu tendensiya \u0259halinin banklara olan etimad\u0131n\u0131n artd\u0131\u011f\u0131n\u0131 g\u00f6st\u0259rir\u201d.<\/p>\n

Qeyd ed\u0259k ki, bank sektorunda \u201cunikal\u201d \u0259man\u0259t\u00e7i dedikd\u0259, bir v\u0259 ya bir ne\u00e7\u0259 bankda m\u00fcdd\u0259tli \u0259man\u0259tl\u0259ri olan \u015f\u0259xsl\u0259r n\u0259z\u0259rd\u0259 tutulur. M\u0259s\u0259l\u0259n, bir \u015f\u0259xsin 5 m\u00fcxt\u0259lif bankda m\u00fcdd\u0259tli \u0259man\u0259ti m\u00f6vcuddursa, o, \u00fcmumi statistikada yaln\u0131z bir unikal \u0259man\u0259t\u00e7i kimi qeyd olunur. Bu yana\u015fma bank sektorunda \u0259man\u0259t\u00e7il\u0259rin real say\u0131n\u0131 daha d\u0259qiq t\u0259yin etm\u0259y\u0259 imkan verir.<\/p>\n

Unikal \u0259man\u0259t\u00e7il\u0259rin say\u0131n\u0131n artmas\u0131n\u0131n g\u0259linc\u0259, AMB bunun bir ne\u00e7\u0259 \u0259sas s\u0259b\u0259bi oldu\u011funu vur\u011fulay\u0131b. Pul siyas\u0259tinin t\u0259kmill\u0259\u015fdirilm\u0259si, vergi g\u00fcz\u0259\u015ftl\u0259rinin t\u0259tbiqi v\u0259 \u0259man\u0259tl\u0259rin s\u0131\u011fortalanmas\u0131 bu dinamikan\u0131 \u015f\u0259rtl\u0259ndir\u0259n amill\u0259rd\u0259n hesab olunur.<\/p>\n

M\u0259rk\u0259zi Bank vur\u011fulay\u0131r ki, faiz kanal\u0131n\u0131n \u00f6t\u00fcr\u00fcc\u00fcl\u00fcy\u00fcn\u00fc art\u0131rmaq istiqam\u0259tind\u0259 at\u0131lan add\u0131mlar \u0259man\u0259tl\u0259r\u0259 mara\u011f\u0131 y\u00fcks\u0259ldib. Bununla yana\u015f\u0131, milli valyutada olan \u0259man\u0259tl\u0259r \u00fczr\u0259 t\u0259tbiq edil\u0259n vergi g\u00fcz\u0259\u015ftl\u0259ri \u0259halini v\u0259saitl\u0259rini banklarda yerl\u0259\u015fdirm\u0259y\u0259 h\u0259v\u0259sl\u0259ndirib. \u018fman\u0259tl\u0259rin art\u0131m\u0131na, h\u0259m\u00e7inin x\u00fcsusil\u0259 x\u0131rda m\u0259bl\u0259\u011fli \u0259man\u0259t\u00e7il\u0259r \u00fc\u00e7\u00fcn riskl\u0259rin azalmas\u0131 s\u0259b\u0259b olub. Bu m\u00fcsb\u0259t dinamika \u00f6lk\u0259d\u0259 maliyy\u0259 inkl\u00fczivliyinin geni\u015fl\u0259ndirilm\u0259sin\u0259, bank sektorunun stabil inki\u015faf\u0131na v\u0259 iqtisadiyyatda v\u0259saitl\u0259rin daha effektiv d\u00f6vriyy\u0259sin\u0259 t\u00f6hf\u0259 verir.<\/p>\n

M\u0259rk\u0259zi Bank\u0131n a\u00e7\u0131qlad\u0131\u011f\u0131 statistikadan ayd\u0131n olur ki, 2024-c\u00fc il \u0259rzind\u0259 \u0259man\u0259t\u00e7il\u0259rin say\u0131nda 43,76 min n\u0259f\u0259r art\u0131m olub. V\u0259 bu say\u0131n 77,6 faizi, yaxud 33,9 min n\u0259f\u0259ri banka 30 min manatdan a\u015fa\u011f\u0131 \u0259man\u0259t qoyan \u015f\u0259xsl\u0259rdir.<\/p>\n

2024-c\u00fc ilin sonuna fiziki \u015f\u0259xsl\u0259rin banklardak\u0131 \u0259man\u0259tl\u0259rinin h\u0259cmi 14 milyard 299,1 milyon manata \u00e7at\u0131b. 2023-c\u00fc ilin sonuna bu g\u00f6st\u0259rici 12 milyard 947,75 milyon manata b\u0259rab\u0259r olub. Y\u0259ni 2024-c\u00fc il \u0259rzind\u0259 \u0259man\u0259t h\u0259cmind\u0259 1 milyard 351,35 milyon manat art\u0131m qeyd\u0259 al\u0131n\u0131b. Sad\u0259 hesablama apard\u0131qda, bu art\u0131m\u0131n 1 milyard 17 milyon manat\u0131n\u0131n banklara 33,9 min n\u0259f\u0259r t\u0259r\u0259find\u0259n yat\u0131r\u0131ld\u0131\u011f\u0131n\u0131 s\u00f6yl\u0259m\u0259k olar. \u00d6t\u0259n il \u0259rzind\u0259 banklara \u0259man\u0259t etibar ed\u0259n t\u0259xmin\u0259n 9860 n\u0259f\u0259rin \u00fcmumi \u0259man\u0259tl\u0259rinin h\u0259cmi is\u0259 334,35 milyon manata b\u0259rab\u0259r olub.<\/p>\n

Bir \u00e7ox ekspertl\u0259r d\u0259 M\u0259rk\u0259zi Bank r\u0259hb\u0259ri il\u0259 eyni fikird\u0259 olaraq, Az\u0259rbaycanda \u0259man\u0259t\u00e7i v\u0259t\u0259nda\u015flar\u0131n say\u0131n\u0131n \u00f6lk\u0259 \u0259halisinin say\u0131na baxd\u0131qda \u00e7ox az oldu\u011fu q\u0259na\u0259tind\u0259dirl\u0259r.<\/p>\n

\"Qiym\u0259tl\u0259r<\/p>\n

R\u00f6v\u015f\u0259n A\u011fayev<\/strong><\/p>\n

\u0130qtisad\u00e7\u0131-ekspert R\u00f6v\u015f\u0259n A\u011fayev bildirir ki, \u00f6lk\u0259d\u0259 18 v\u0259 yuxar\u0131 ya\u015fda \u0259halinin say\u0131n\u0131n 7,6 milyon n\u0259f\u0259r\u0259 yax\u0131n oldu\u011funu n\u0259z\u0259r\u0259 alsaq, bu o dem\u0259kdir ki, \u0259hlainin \u0259n yax\u015f\u0131 halda 2 faizinin banklarda depozit hesab\u0131 var. Ekspertin fikrinc\u0259, bu g\u00f6st\u0259ricinin az olmas\u0131n\u0131n \u0259sas s\u0259b\u0259bi kimi \u0259halinin pulu yast\u0131q alt\u0131na y\u0131\u011fma\u011fa \u00fcst\u00fcnl\u00fck verm\u0259sinin g\u00f6st\u0259rilm\u0259si do\u011fru yana\u015fma deyil:<\/strong>\u00a0\u201cBel\u0259 bir iddia s\u0259sl\u0259n\u0259 bil\u0259r ki, \u0259hali sand\u0131q v\u0259 yast\u0131q alt\u0131nda y\u0131\u011f\u0131ma daha \u00e7ox \u00fcst\u00fcnl\u00fck verir. Amma s\u0131\u011fortalanman\u0131n oldu\u011fu \u015f\u0259raitd\u0259 insanlar\u0131n b\u00f6y\u00fck \u0259ks\u0259riyy\u0259tinin s\u0259rb\u0259st pul v\u0259saitl\u0259ri say\u0259sind\u0259 faiz g\u0259lirl\u0259ri \u0259ld\u0259 etm\u0259m\u0259k ist\u0259m\u0259m\u0259si he\u00e7 real g\u00f6r\u00fcnm\u00fcr. \u0130kincisi, d\u00f6vl\u0259t qurumlar\u0131 z\u0259hm\u0259t \u00e7\u0259kib m\u00fcxt\u0259lif etibarl\u0131 m\u00fcayin\u0259 v\u0259 t\u0259dqiqatlar \u0259sas\u0131nda yast\u0131qalt\u0131 y\u0131\u011f\u0131m d\u00f6vriyy\u0259sinin real miqyas\u0131n\u0131 ortaya \u00e7\u0131xars\u0131n v\u0259 \u0259halinin bank sektoruna niy\u0259 g\u00fcv\u0259nm\u0259diyinin s\u0259b\u0259bl\u0259rini d\u0259 dil\u0259 g\u0259tirsin. Fikrimc\u0259, problem yoxsullu\u011fun miqyas\u0131n\u0131n geni\u015f olmas\u0131d\u0131r. Ail\u0259 t\u0259s\u0259rr\u00fcfatlar\u0131n\u0131n b\u00f6y\u00fck \u0259ks\u0259riyy\u0259ti y\u0131\u011f\u0131m ed\u0259 bilm\u0259d\u0259n \u0259n yax\u015f\u0131 halda g\u00fcnd\u0259lik dolan\u0131\u015f\u0131qlar\u0131 \u00fc\u00e7\u00fcn pul qazana bil\u0259c\u0259k v\u0259ziyy\u0259td\u0259dir\u201d.<\/p>\n

Qeyd ed\u0259k ki, \u0259man\u0259tl\u0259rin b\u00f6lg\u0259l\u0259r \u00fczr\u0259 paylanmas\u0131 da banklarda bu y\u0131\u011f\u0131m n\u00f6v\u00fcnd\u0259n istifad\u0259nin \u0259halinin h\u0259yat s\u0259viyy\u0259si il\u0259 birba\u015fa ba\u011fl\u0131 oldu\u011funu g\u00f6st\u0259rir. Bel\u0259 ki, M\u0259rk\u0259zi Bank\u0131n a\u00e7\u0131qlad\u0131\u011f\u0131 statistikadan ayd\u0131n olur ki, bu il yanvar\u0131n 1-n\u0259 \u0259halinin banklarda olan 12,3 milyard manatl\u0131q \u0259man\u0259tinin 12,9 milyard manatdan \u00e7oxu Bak\u0131 sakinl\u0259rinindir. Ondan sonra Sumqay\u0131t \u015f\u0259h\u0259ri 334,8 milyon manatla 2-ci, G\u0259nc\u0259 \u015f\u0259h\u0259ri is\u0259 210 milyon manatla 3-c\u00fcd\u00fcr. Ab\u015feron \u0259halisinin banklarda 190,2 milyon manat, Xa\u00e7maz rayonunda 71,5 milyon manat pulu var. X\u0131z\u0131, La\u00e7\u0131n, S\u0259d\u0259r\u0259k v\u0259 Z\u0259ngilan rayonlar\u0131nda is\u0259 bu g\u00f6st\u0259rici 1 milyon manatdan a\u015fa\u011f\u0131d\u0131r.<\/p>\n

\u0130qtisadi regionlar \u00fczr\u0259 g\u00f6t\u00fcrd\u00fckd\u0259, \u00f6lk\u0259 \u00fczr\u0259 c\u0259lb olunmu\u015f \u0259man\u0259tl\u0259rin \u0259n \u00e7oxu – 12,9 milyard manat\u0131 Bak\u0131 iqtisadi rayonunun, \u0259n az\u0131 – 433 min manat\u0131 is\u0259 \u015e\u0259rqi Z\u0259ng\u0259zur iqtisadi rayonunun pay\u0131na d\u00fc\u015f\u00fcb. D\u00f6vr \u0259rzind\u0259 regionlar aras\u0131nda bankda \u0259man\u0259ti olanlar\u0131n siyah\u0131s\u0131nda Ab\u015feron-X\u0131z\u0131 iqtisadi rayonu ikincidir. Burada ya\u015fayan \u0259halinin banklarda 525,9 milyon manat pulu var. Siyah\u0131da \u00fc\u00e7\u00fcnc\u00fc yerd\u0259 is\u0259 230,4 milyon manat \u0259man\u0259t c\u0259lbi il\u0259 G\u0259nc\u0259-Da\u015fk\u0259s\u0259n iqtisadi rayonu q\u0259rarla\u015f\u0131b.<\/p>\n

Maraql\u0131d\u0131r ki, \u0259man\u0259tl\u0259r \u00fczr\u0259 orta faiz d\u0259r\u0259c\u0259si \u0259n y\u00fcks\u0259k G\u0259nc\u0259-Da\u015fk\u0259s\u0259n iqtisadi rayonundad\u0131r – 6,15 faiz. Ondan sonra 6,06 faizl\u0259 Ab\u015feron-X\u0131z\u0131 iqtisadi rayonu g\u0259lir. Banklar \u0259man\u0259tl\u0259r \u00fc\u00e7\u00fcn \u0259n a\u015fa\u011f\u0131 faizl\u0259ri \u015e\u0259rqi Z\u0259ng\u0259zur iqtisadi rayonunda 2,37 faiz t\u0259klif edirl\u0259r. Bak\u0131 iqtisadi rayonunda \u0259man\u0259t faizi \u00f6lk\u0259 \u00fczr\u0259 orta g\u00f6st\u0259rici olan 4,37 faizd\u0259n a\u015fa\u011f\u0131d\u0131r – 4,23 faiz.<\/p>\n

<\/p>\n

R\u0259\u015fad H\u0259s\u0259nov<\/strong><\/p>\n

\u0130qtisad\u00e7\u0131-ekspert R\u0259\u015fad H\u0259s\u0259novun \u201cYeni M\u00fcsavat\u201da dediyin\u0259 g\u00f6r\u0259, 150,5 min n\u0259f\u0259rin banklara pul qoymas\u0131 \u0259vv\u0259lki ill\u0259rl\u0259 m\u00fcqayis\u0259d\u0259 art\u0131m olmas\u0131ndan x\u0259b\u0259r verir:<\/strong>\u00a0\u201cLakin m\u0259s\u0259l\u0259y\u0259 makro s\u0259viyy\u0259d\u0259 baxd\u0131qda, iqtisadiyyat\u0131n h\u0259cmi, ail\u0259 t\u0259s\u0259rr\u00fcfatlar\u0131n\u0131n say\u0131 v\u0259 dig\u0259r aspektl\u0259rd\u0259n qiym\u0259tl\u0259ndirdikd\u0259, \u00f6lk\u0259 \u00fczr\u0259 \u0259man\u0259t\u00e7i say\u0131n\u0131n xeyli az oldu\u011funu dey\u0259 bil\u0259rik. X\u00fcsusil\u0259 d\u0259 n\u0259z\u0259r\u0259 alsaq ki, Az\u0259rbaycanda dig\u0259r passiv y\u0131\u011f\u0131m al\u0259tl\u0259ri bazar\u0131 \u00e7ox z\u0259if inki\u015faf edib – s\u0259hm, qiym\u0259tli ka\u011f\u0131zlar bazar\u0131 v\u0259 sair – a\u00e7\u0131qlanan say \u00e7ox azd\u0131r. Bu azl\u0131\u011f\u0131n da bir s\u0131ra m\u00fch\u00fcm s\u0259b\u0259bl\u0259ri var. \u018fsas s\u0259b\u0259bl\u0259rd\u0259n biri \u0259halinin banklara etimad\u0131 m\u0259s\u0259l\u0259sidir. Bunu m\u00fcdd\u0259tli \u0259man\u0259tl\u0259rin m\u00fcdd\u0259tsiz \u0259man\u0259tl\u0259rd\u0259n k\u0259skin \u00e7ox olmas\u0131, h\u0259m\u00e7inin m\u00fcdd\u0259tli \u0259man\u0259tl\u0259rin t\u0259rkibind\u0259 q\u0131sam\u00fcdd\u0259tli \u0259man\u0259tl\u0259rin 80 faizd\u0259n y\u00fcks\u0259k paya sahib olmas\u0131 a\u00e7\u0131q n\u00fcmayi\u015f etdirir. Dig\u0259r m\u00fch\u00fcm m\u0259s\u0259l\u0259 \u0259halinin y\u0131\u011f\u0131m imkanlar\u0131n\u0131n m\u0259hdudlu\u011fudur. R\u0259smi statistikada orta g\u0259lir s\u0259viyy\u0259sin\u0259 dair g\u00f6st\u0259ricil\u0259r \u0259halinin y\u0131\u011f\u0131m imkanlar\u0131 bar\u0259d\u0259 bir q\u0259d\u0259r qeyri-d\u0259qiq t\u0259s\u0259vv\u00fcr formala\u015fd\u0131ra bil\u0259r. Lakin \u0259halinin \u00e7ox az bir qisminin m\u00fcvafiq y\u0131\u011f\u0131m imkan\u0131 var. Bu qisim 5-ci kvintil – \u0259n y\u00fcks\u0259k g\u0259lir s\u0259viyy\u0259sin\u0259 malik 20 faiz\u0259 daxildir. Qalan 80 faiz \u0259halinin y\u0131\u011f\u0131m imkan\u0131 ya \u00e7ox m\u0259hduddur, ya da m\u00f6vcud\u00a0 deyil. Bu, h\u0259m d\u0259 g\u0259lirl\u0259rin qeyri-b\u0259rab\u0259r b\u00f6l\u00fcnm\u0259sinin g\u00f6st\u0259ricisidir\u201d.<\/p>\n

Ekspert hesab edir ki, \u0259halinin orta v\u0259 ya\u015fl\u0131 qismind\u0259 \u0259n\u0259n\u0259vi passiv y\u0131\u011f\u0131ma inam daha y\u00fcks\u0259kdir:<\/strong>\u00a0\u201cOnlar y\u0131\u011f\u0131mlar\u0131n\u0131 q\u0131z\u0131l v\u0259 qiym\u0259tli zin\u0259t \u0259\u015fyalar\u0131na yat\u0131r\u0131r, yaxud el\u0259 pul formas\u0131nda \u00f6zl\u0259rind\u0259 saxlay\u0131rlar. Bu, \u00f6t\u0259n d\u00f6vrl\u0259rd\u0259 banklara qoyulan \u0259man\u0259tl\u0259rl\u0259 ba\u011fl\u0131 ya\u015fanan ac\u0131 t\u0259cr\u00fcb\u0259nin d\u0259 n\u0259tic\u0259sidir.<\/p>\n

\u00dcmumilikd\u0259, Az\u0259rbaycanda \u0259man\u0259tl\u0259rin h\u0259cminin \u00dcDM-\u0259 nisb\u0259ti d\u0259 q\u0259na\u0259tb\u0259x\u015f deyil. \u018fhalinin \u0259lind\u0259ki na\u011fd pul k\u00fctl\u0259si h\u0259mi\u015f\u0259 y\u00fcks\u0259k\u00a0 olaraq qal\u0131r. Bu, M\u0259rk\u0259zi Bank\u0131n \u00f6z \u0259lind\u0259ki al\u0259tl\u0259rd\u0259n t\u0259sirli n\u0259tic\u0259l\u0259r \u0259ld\u0259 etm\u0259sin\u0259 imkan vermir, eyni zamanda banklarda likvidlik problemi yarad\u0131r. Eyni zamanda bu, \u0259ll\u0259rd\u0259 olan v\u0259saitl\u0259rin q\u0259fild\u0259n d\u00f6vriyy\u0259y\u0259 daxil olaraq inflyasiya t\u0259zyiqi, manat\u0131n m\u0259z\u0259nn\u0259sin\u0259 t\u0259zyiql\u0259r yarada bil\u0259r. Bu bax\u0131mdan, h\u0259m M\u0259rk\u0259zi Bank, h\u0259m h\u00f6kum\u0259t maraql\u0131d\u0131r ki, \u0259hali daha \u00e7ox v\u0259saitini \u0259man\u0259t formas\u0131nda banklara etibar etsin. Buna nail olmaq \u00fc\u00e7\u00fcn bir s\u0131ra stimulla\u015fd\u0131r\u0131c\u0131 add\u0131mlar da at\u0131l\u0131r. Bel\u0259 add\u0131mlar\u0131n daha da art\u0131r\u0131lmas\u0131, banklara olan etimad\u0131n g\u00fccl\u0259ndirilm\u0259si, manat\u0131n m\u0259z\u0259nn\u0259si il\u0259 ba\u011fl\u0131 t\u0259hl\u00fck\u0259 g\u00f6zl\u0259ntil\u0259rinin aradan qald\u0131r\u0131lmas\u0131 vacibdir. Dollar \u0259man\u0259tl\u0259rin\u0259 daha a\u015fa\u011f\u0131 faizl\u0259rin t\u0259klif edilm\u0259si reall\u0131qda \u0259ks-effekt verir: \u0259hali devalvasiya qorxusunun oldu\u011fu q\u0259na\u0259tin\u0259 g\u0259l\u0259r\u0259k n\u0259 manat, n\u0259 d\u0259 dollar formas\u0131nda \u00f6z v\u0259saitini banka qoymaqdan \u00e7\u0259kinir. Bu amill\u0259rin ham\u0131s\u0131 n\u0259z\u0259r\u0259 al\u0131naraq kompleks t\u0259dbirl\u0259rin g\u00f6r\u00fclm\u0259sin\u0259 ehtiyac var”.<\/p>\n

Qeyd ed\u0259k ki, son aylarda Az\u0259rbaycan banklar\u0131nda likvidlikl\u0259 ba\u011fl\u0131 m\u00fc\u0259yy\u0259n \u00e7\u0259tinlikl\u0259r hiss olunmaqdad\u0131r. Maliyy\u0259 Nazirliyinin t\u0259klif etdiyi d\u00f6vl\u0259t istiqrazlar\u0131n\u0131n al\u0131c\u0131 problemi il\u0259 \u00fczl\u0259\u015fm\u0259si, banklar\u0131n \u0259man\u0259t faizl\u0259rini k\u0259skin art\u0131rmas\u0131 bundan x\u0259b\u0259r verir. H\u00f6kum\u0259tin b\u00fcdc\u0259 qal\u0131\u011f\u0131n\u0131 banklara depozit kimi yerl\u0259\u015fdirm\u0259si bu \u00e7\u0259tinliyi m\u00fc\u0259yy\u0259n m\u00fcdd\u0259t\u0259 y\u00fcng\u00fcll\u0259\u015fdirib. M\u0259rk\u0259zi Bank bildirir ki, Maliyy\u0259 Nazirliyi t\u0259r\u0259find\u0259n vahid x\u0259zin\u0259 hesab\u0131n\u0131n milli valyutada olan s\u0259rb\u0259st qal\u0131\u011f\u0131n\u0131n depozit formas\u0131nda sistem \u0259h\u0259miyy\u0259tli banklarda yerl\u0259\u015fdirilm\u0259si \u00fczr\u0259 h\u0259rraclar\u0131n ke\u00e7irilm\u0259si bank sisteminin likvidlik m\u00f6vqeyin\u0259 art\u0131r\u0131c\u0131 t\u0259sir g\u00f6st\u0259rib. Lakin n\u0259z\u0259r\u0259 alsaq ki, Maliyy\u0259 Nazirliyinin 1.5 milyard manat depoziti q\u0131sam\u00fcdd\u0259tlidir, onda 1-2 ay \u0259rzind\u0259 banklarda yenid\u0259n likvidlik m\u0259s\u0259l\u0259sinin aktualla\u015faca\u011f\u0131n\u0131 s\u00f6yl\u0259m\u0259k olar. Bu bax\u0131mdan, \u0259halinin \u0259man\u0259t qoyulu\u015funa h\u0259v\u0259sl\u0259ndirilm\u0259si \u00fc\u00e7\u00fcn t\u0259sirli add\u0131mlar\u0131n at\u0131lmas\u0131 z\u0259rur\u0259t\u0259 \u00e7evrilir.<\/p>\n","protected":false},"excerpt":{"rendered":"

Az\u0259rbaycanda niy\u0259 c\u0259mi 150 min v\u0259t\u0259nda\u015f\u0131n \u0259man\u0259t hesab\u0131 var? \u00d6t\u0259n h\u0259ft\u0259 M\u0259rk\u0259zi Bank\u0131n s\u0259dri Taleh Kaz\u0131movla iqtisad\u00e7\u0131lar\u0131n g\u00f6r\u00fc\u015f\u00fcnd\u0259 m\u00fczakir\u0259 olunan m\u0259s\u0259l\u0259l\u0259rd\u0259n biri d\u0259 Az\u0259rbaycanda banklara pul \u0259man\u0259t ed\u0259n \u015f\u0259xsl\u0259rin say\u0131n\u0131n azl\u0131\u011f\u0131 olub. M\u00fczakir\u0259l\u0259r zaman\u0131 M\u0259rk\u0259zi Bank s\u0259dri unikal \u0259man\u0259t hesablar\u0131 il\u0259 ba\u011fl\u0131 narahatl\u0131\u011f\u0131n\u0131 dil\u0259 g\u0259tirib. Onun fikrinc\u0259, c\u0259mi 150 min v\u0259t\u0259nda\u015f\u0131n \u0259man\u0259t hesab\u0131n\u0131n olmas\u0131 Az\u0259rbaycan \u00fc\u00e7\u00fcn azd\u0131r. M\u0259rk\u0259zi Bank\u0131n r\u0259smi statistikas\u0131na \u0259sas\u0259n 2024-c\u00fc ild\u0259 Az\u0259rbaycan\u0131n bank sektorunda m\u00fcdd\u0259tli unikal \u0259man\u0259t\u00e7il\u0259rin say\u0131 41\u00a0 faiz artaraq 150,5 min n\u0259f\u0259r\u0259 \u00e7at\u0131b. T\u0259nziml\u0259yici qeyd edir ki, bu, \u00f6t\u0259n d\u00f6vrl\u0259rl\u0259 m\u00fcqayis\u0259d\u0259 \u0259h\u0259miyy\u0259tli bir ir\u0259lil\u0259yi\u015fdir: \u201cArt\u0131m\u0131n…<\/p>\n","protected":false},"author":2,"featured_media":803409,"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\/3513cae9914ca947a4fe76dea729645f.jpg",800,450,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/3513cae9914ca947a4fe76dea729645f.jpg",800,450,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/3513cae9914ca947a4fe76dea729645f.jpg",800,450,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/3513cae9914ca947a4fe76dea729645f-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/3513cae9914ca947a4fe76dea729645f-649x365.jpg",649,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/3513cae9914ca947a4fe76dea729645f.jpg",640,360,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/3513cae9914ca947a4fe76dea729645f.jpg",800,450,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/3513cae9914ca947a4fe76dea729645f.jpg",800,450,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/3513cae9914ca947a4fe76dea729645f-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/3513cae9914ca947a4fe76dea729645f.jpg",800,450,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":"Az\u0259rbaycanda niy\u0259 c\u0259mi 150 min v\u0259t\u0259nda\u015f\u0131n \u0259man\u0259t hesab\u0131 var? \u00d6t\u0259n h\u0259ft\u0259 M\u0259rk\u0259zi Bank\u0131n s\u0259dri Taleh Kaz\u0131movla iqtisad\u00e7\u0131lar\u0131n g\u00f6r\u00fc\u015f\u00fcnd\u0259 m\u00fczakir\u0259 olunan m\u0259s\u0259l\u0259l\u0259rd\u0259n biri d\u0259 Az\u0259rbaycanda banklara pul \u0259man\u0259t ed\u0259n \u015f\u0259xsl\u0259rin say\u0131n\u0131n azl\u0131\u011f\u0131 olub. M\u00fczakir\u0259l\u0259r zaman\u0131 M\u0259rk\u0259zi Bank s\u0259dri unikal \u0259man\u0259t hesablar\u0131 il\u0259 ba\u011fl\u0131 narahatl\u0131\u011f\u0131n\u0131 dil\u0259 g\u0259tirib. Onun fikrinc\u0259, c\u0259mi 150 min v\u0259t\u0259nda\u015f\u0131n \u0259man\u0259t hesab\u0131n\u0131n olmas\u0131 Az\u0259rbaycan…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/803408"}],"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=803408"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/803408\/revisions"}],"predecessor-version":[{"id":803410,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/803408\/revisions\/803410"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/803409"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=803408"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=803408"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=803408"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}