{"id":813099,"date":"2025-06-25T22:12:25","date_gmt":"2025-06-25T18:12:25","guid":{"rendered":"https:\/\/arantv.az\/?p=813099"},"modified":"2025-06-25T22:12:25","modified_gmt":"2025-06-25T18:12:25","slug":"borcu-kim-od%c9%99y%c9%99c%c9%99k-h%c9%99yat-sigortasinin-gizli-gucu","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=813099","title":{"rendered":"Borcu kim \u00f6d\u0259y\u0259c\u0259k? &#8211; H\u018fYAT SI\u011eORTASININ G\u0130ZL\u0130 G\u00dcC\u00dc"},"content":{"rendered":"<p><em><strong>\u00c7a\u011fda\u015f d\u00f6vr\u00fcm\u00fczd\u0259 maliyy\u0259 institutlar\u0131n\u0131n \u0259haliy\u0259 t\u0259qdim etdiyi kredit m\u0259hsullar\u0131 iqtisadi f\u0259all\u0131\u011f\u0131n geni\u015fl\u0259nm\u0259si, c\u0259miyy\u0259td\u0259 sosial rifah\u0131n y\u00fcks\u0259ldilm\u0259si v\u0259 bazar i\u015ftirak\u00e7\u0131lar\u0131n\u0131n maliyy\u0259 ehtiyaclar\u0131n\u0131n qar\u015f\u0131lanmas\u0131 bax\u0131m\u0131ndan m\u00fch\u00fcm rol oynay\u0131r. Bu bax\u0131mdan kredit m\u00fcnasib\u0259tl\u0259ri \u00e7\u0259r\u00e7iv\u0259sind\u0259 t\u0259r\u0259fl\u0259rin \u00fcz\u0259rin\u0259 d\u00fc\u015f\u0259n riskl\u0259r, x\u00fcsusil\u0259 d\u0259 fiziki \u015f\u0259xsl\u0259rin h\u0259yat v\u0259 sa\u011flaml\u0131\u011f\u0131 il\u0259 ba\u011fl\u0131 m\u0259qamlar bu sah\u0259d\u0259 t\u0259hl\u00fck\u0259sizlik mexanizml\u0259rinin m\u00f6vcudlu\u011funu z\u0259ruri edir. Bu kontekstd\u0259 \u201cKredit h\u0259yat s\u0131\u011fortas\u0131\u201d xidm\u0259ti h\u0259m borcalanlar\u0131n h\u00fcquq v\u0259 maraqlar\u0131n\u0131n m\u00fcdafi\u0259si, h\u0259m d\u0259 bank sektorunun riskl\u0259rinin s\u0131\u011fortalanmas\u0131 bax\u0131m\u0131ndan \u0259h\u0259miyy\u0259tli funksiyalar yerin\u0259 yetirir.<\/strong><\/em><\/p>\n<p><img src=\"https:\/\/ikisahil.az\/upload\/\/2025\/06\/25\/\/-57bafb2c175085182947079744710852651.jpg\" alt=\"\" \/><\/p>\n<p>\u201cKredit h\u0259yat s\u0131\u011fortas\u0131\u201d fiziki \u015f\u0259xsin kredit \u00f6hd\u0259liyini m\u00fc\u0259yy\u0259n s\u0259b\u0259bl\u0259rd\u0259n, x\u00fcsusil\u0259 d\u0259 \u00f6l\u00fcm v\u0259 ya \u0259m\u0259k qabiliyy\u0259tinin itirilm\u0259si hallar\u0131nda yerin\u0259 yetir\u0259 bilm\u0259diyi \u015f\u0259raitd\u0259, borcun tam v\u0259 ya qism\u0259n s\u0131\u011forta \u015firk\u0259ti t\u0259r\u0259find\u0259n \u00f6d\u0259nilm\u0259sini t\u0259min ed\u0259n maliyy\u0259 institutudur. Bu xidm\u0259t \u0259sas\u0259n kredit m\u00fcqavil\u0259si imzalanark\u0259n h\u0259yata ke\u00e7irilir v\u0259 borcun tam \u00f6d\u0259nilm\u0259si il\u0259 yekunla\u015f\u0131r. M\u0259qs\u0259d is\u0259 borcalan\u0131n h\u0259yat\u0131nda ba\u015f ver\u0259 bil\u0259c\u0259k g\u00f6zl\u0259nilm\u0259z hadis\u0259l\u0259rin onun ail\u0259sin\u0259, yax\u0131nlar\u0131na v\u0259 kredit t\u0259\u015fkilat\u0131na iqtisadi z\u0259r\u0259r verm\u0259sinin qar\u015f\u0131s\u0131n\u0131 almaqd\u0131r.<\/p>\n<p>\u201cKredit h\u0259yat s\u0131\u011fortas\u0131\u201d xidm\u0259tinin t\u0259tbiqi maliyy\u0259 ekosisteminin sabitliyi bax\u0131m\u0131ndan da \u00e7ox\u015fax\u0259li t\u0259sirl\u0259r\u0259 malikdir. \u018fvv\u0259la, bu m\u0259hsul kredit t\u0259\u015fkilatlar\u0131n\u0131n riskl\u0259rinin idar\u0259 olunmas\u0131nda m\u00fch\u00fcm rol oynay\u0131r. Kredit g\u00f6t\u00fcr\u0259n ail\u0259 ba\u015f\u00e7\u0131s\u0131n\u0131n h\u0259yat\u0131n\u0131 v\u0259 ya sa\u011flaml\u0131\u011f\u0131n\u0131 itirm\u0259si hal\u0131nda yaranan \u00f6d\u0259ni\u015fsizliyin qar\u015f\u0131s\u0131n\u0131n al\u0131nmas\u0131 banklar\u0131n z\u0259r\u0259r ehtimal\u0131n\u0131 minimuma endirir v\u0259 \u00fcmumi olaraq riski tarazla\u015fd\u0131r\u0131r. Bel\u0259likl\u0259, maliyy\u0259 institutlar\u0131 daha inaml\u0131 \u015f\u0259kild\u0259 kredit portfell\u0259rini geni\u015fl\u0259ndir\u0259, kreditl\u0259\u015fm\u0259 \u015f\u0259rtl\u0259rini yum\u015falda v\u0259 daha \u00e7ox m\u00fc\u015ft\u0259riy\u0259 xidm\u0259t g\u00f6st\u0259r\u0259 bilirl\u0259r.<\/p>\n<p>Eyni zamanda, \u201cKredit h\u0259yat s\u0131\u011fortas\u0131\u201d s\u0131\u011forta sektorunun \u00f6z\u00fcn\u00fcn inki\u015faf\u0131na da t\u0259kan ver\u0259n xidm\u0259tdir. Bu m\u0259hsulun geni\u015f t\u0259tbiqi s\u0131\u011forta bazar\u0131nda yeni imkanlar a\u00e7\u0131r, innovativ s\u0131\u011forta paketl\u0259rinin formala\u015fmas\u0131na v\u0259 bu sah\u0259d\u0259 r\u0259qab\u0259tin artmas\u0131na \u015f\u0259rait yarad\u0131r. Dig\u0259r t\u0259r\u0259fd\u0259n, bu mexanizm sistemik maliyy\u0259 sabitliyin\u0259 d\u0259 m\u00fcsb\u0259t t\u0259sir g\u00f6st\u0259rir. X\u00fcsusil\u0259 pandemiya, iqtisadi t\u0259n\u0259zz\u00fcl v\u0259 t\u0259bii f\u0259lak\u0259tl\u0259r zaman\u0131 kreditl\u0259rin k\u00fctl\u0259vi \u015f\u0259kild\u0259 qaytar\u0131lmamas\u0131 ehtimal\u0131 art\u0131r. Bel\u0259 hallarda kredit h\u0259yat s\u0131\u011fortas\u0131 bu riskin banklar \u00fcz\u0259rind\u0259n s\u0131\u011forta \u015firk\u0259tl\u0259rin\u0259 \u00f6t\u00fcr\u00fclm\u0259si il\u0259 sistemin dayan\u0131ql\u0131\u011f\u0131n\u0131 qoruyur v\u0259 maliyy\u0259 t\u0259\u015fvi\u015finin qar\u015f\u0131s\u0131n\u0131 al\u0131r.<\/p>\n<p><img src=\"https:\/\/ikisahil.az\/upload\/\/2025\/06\/25\/\/-2458ab18175085185584115521811039738.jpg\" alt=\"\" \/><\/p>\n<p>Borcalan \u015f\u0259xsl\u0259r \u00fc\u00e7\u00fcn is\u0259 \u201cKredit h\u0259yat s\u0131\u011fortas\u0131\u201d xidm\u0259tinin \u0259n m\u00fch\u00fcm \u00fcst\u00fcnl\u00fckl\u0259rind\u0259n biri onlar\u0131n ail\u0259l\u0259rinin maliyy\u0259 t\u0259hl\u00fck\u0259sizliyini t\u0259min etm\u0259sidir. Kredit g\u00f6t\u00fcr\u0259n \u015f\u0259xsin h\u0259yat\u0131n\u0131 itirdiyi v\u0259 ya \u0259m\u0259k qabiliyy\u0259tini itirdiyi hallarda onun ail\u0259sinin h\u0259min borcu \u00f6d\u0259m\u0259k m\u0259cburiyy\u0259tind\u0259 qalmas\u0131 sosial v\u0259 psixoloji bax\u0131mdan da a\u011f\u0131r n\u0259tic\u0259l\u0259r\u0259 s\u0259b\u0259b ola bil\u0259r. \u201cKredit h\u0259yat s\u0131\u011fortas\u0131\u201d ail\u0259nin bu y\u00fckd\u0259n azad olunmas\u0131na v\u0259 sosial rifah\u0131n qorunmas\u0131na xidm\u0259t edir. Bu, h\u0259m d\u0259 borcalan \u015f\u0259xs \u00fc\u00e7\u00fcn psixoloji rahatl\u0131q yarad\u0131r v\u0259 onu borc q\u0259rar\u0131n\u0131 daha m\u0259suliyy\u0259tli v\u0259 inaml\u0131 \u015f\u0259kild\u0259 verm\u0259y\u0259 t\u0259\u015fviq edir.<\/p>\n<p>R\u0259smi m\u0259lumatlara \u0259sas\u0259n, Az\u0259rbaycanda h\u0259yat s\u0131\u011fortas\u0131 \u00fczr\u0259 y\u0131\u011f\u0131mlar \u00fcmumilikd\u0259 643,8 milyon manata \u00e7at\u0131b. Bu, \u0259vv\u0259lki ill\u0259 m\u00fcqayis\u0259d\u0259 51,5 faiz art\u0131m dem\u0259kdir v\u0259 c\u0259miyy\u0259tin riskl\u0259r\u0259 qar\u015f\u0131 daha ay\u0131q oldu\u011funu g\u00f6st\u0259rir. Az\u0259rbaycan S\u0131\u011forta\u00e7\u0131lar Assosiasiyas\u0131n\u0131n m\u0259lumat\u0131na g\u00f6r\u0259 is\u0259, 2024-c\u00fc ild\u0259 imzalanm\u0131\u015f h\u0259yat s\u0131\u011fortas\u0131 m\u00fcqavil\u0259l\u0259rinin say\u0131 850 min\u0259 yax\u0131n olub. \u018fn \u00e7ox art\u0131m ipoteka v\u0259 istehlak kreditl\u0259ri sah\u0259sind\u0259 m\u00fc\u015fahid\u0259 olunub. Bu, h\u0259m bank sektorunun, h\u0259m d\u0259 v\u0259t\u0259nda\u015flar\u0131n riskl\u0259r\u0259 qar\u015f\u0131 daha haz\u0131rl\u0131ql\u0131 yana\u015fd\u0131\u011f\u0131n\u0131 g\u00f6st\u0259rir.<\/p>\n<p><img src=\"https:\/\/ikisahil.az\/upload\/\/2025\/06\/25\/\/-a4a587f3175085194489635164510055203.jpg\" alt=\"\" \/><\/p>\n<p>R\u0259q\u0259ml\u0259rd\u0259n g\u00f6r\u00fcnd\u00fcy\u00fc kimi, bu istiqam\u0259td\u0259 maarifl\u0259ndirici m\u0259lumatlar\u0131n, bir s\u0131ra \u00e7a\u011f\u0131r\u0131\u015flar\u0131n azl\u0131\u011f\u0131 m\u00fc\u015fahid\u0259 olunur. \u018fn ba\u015fl\u0131ca narahatl\u0131q kredit h\u0259yat s\u0131\u011fortas\u0131n\u0131n b\u0259zi hallarda m\u00fc\u015ft\u0259riy\u0259 m\u0259cburi \u015f\u0259kild\u0259 t\u0259qdim edilm\u0259si, s\u0131\u011forta \u015f\u0259rtl\u0259rinin is\u0259 yet\u0259rinc\u0259 ayd\u0131n v\u0259 \u015f\u0259ffaf olmamas\u0131d\u0131r. M\u0259lumats\u0131zl\u0131q v\u0259 h\u00fcquqi sah\u0259d\u0259 m\u00fc\u0259yy\u0259n bo\u015fluqlar n\u0259tic\u0259sind\u0259 b\u0259zi borcalanlar \u0259lav\u0259 maliyy\u0259 x\u0259rcl\u0259ri il\u0259 \u00fczl\u0259\u015f\u0259 v\u0259 ya imzalad\u0131qlar\u0131 s\u0131\u011forta m\u00fcqavil\u0259sinin \u0259sl mahiyy\u0259tini d\u0259rk etm\u0259d\u0259n \u00f6hd\u0259lik alt\u0131na d\u00fc\u015f\u0259 bil\u0259rl\u0259r. B\u00fct\u00fcn bunlar\u0131 n\u0259z\u0259r\u0259 alaraq, kredit h\u0259yat s\u0131\u011fortas\u0131n\u0131n effektiv t\u0259tbiqi \u00fc\u00e7\u00fcn bir s\u0131ra maarifl\u0259ndirici t\u0259dbirl\u0259rinin h\u0259yata ke\u00e7irilm\u0259si z\u0259ruridir.<\/p>\n<p>N\u0259tic\u0259 etibaril\u0259, \u201cKredit h\u0259yat s\u0131\u011fortas\u0131\u201d xidm\u0259ti h\u0259m borcalanlar, h\u0259m d\u0259 kredit t\u0259\u015fkilatlar\u0131 \u00fc\u00e7\u00fcn m\u00fch\u00fcm bir t\u0259minat mexanizmidir. O, yaln\u0131z kredit t\u0259\u015fkilatlar\u0131n\u0131n riskl\u0259rini y\u00fcng\u00fcll\u0259\u015fdirm\u0259kl\u0259 kifay\u0259tl\u0259nmir, eyni zamanda borcalanlar\u0131n v\u0259 onlar\u0131n ail\u0259l\u0259rinin h\u0259yat keyfiyy\u0259tin\u0259, sosial m\u00fcdafi\u0259sin\u0259 v\u0259 h\u00fcquqi t\u0259hl\u00fck\u0259sizliyin\u0259 t\u00f6hf\u0259 verir. \u201cKredit h\u0259yat s\u0131\u011fortas\u0131\u201dn\u0131n d\u00fczg\u00fcn t\u0259tbiqi yaln\u0131z maliyy\u0259 sektorunun deyil, b\u00fct\u00f6vl\u00fckd\u0259 c\u0259miyy\u0259tin rifah\u0131na xidm\u0259t ed\u0259c\u0259k.<\/p>\n<p><em><strong>Orxan Vahido\u011flu, \u201c\u0130ki sahil\u201d<br \/>\nYaz\u0131 Az\u0259rbaycan S\u0131\u011forta\u00e7\u0131lar Assosiasiyas\u0131n\u0131n \u201cKredit g\u00f6t\u00fcr\u0259nl\u0259rin h\u0259yat riskl\u0259ri s\u0131\u011forta t\u0259minat\u0131nda\u201d m\u00f6vzusu \u00fczr\u0259 t\u0259\u015fkil etdiyi m\u00fcsabiq\u0259sin\u0259 t\u0259qdim edilir<\/strong><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00c7a\u011fda\u015f d\u00f6vr\u00fcm\u00fczd\u0259 maliyy\u0259 institutlar\u0131n\u0131n \u0259haliy\u0259 t\u0259qdim etdiyi kredit m\u0259hsullar\u0131 iqtisadi f\u0259all\u0131\u011f\u0131n geni\u015fl\u0259nm\u0259si, c\u0259miyy\u0259td\u0259 sosial rifah\u0131n y\u00fcks\u0259ldilm\u0259si v\u0259 bazar i\u015ftirak\u00e7\u0131lar\u0131n\u0131n maliyy\u0259 ehtiyaclar\u0131n\u0131n qar\u015f\u0131lanmas\u0131 bax\u0131m\u0131ndan m\u00fch\u00fcm rol oynay\u0131r. Bu bax\u0131mdan kredit m\u00fcnasib\u0259tl\u0259ri \u00e7\u0259r\u00e7iv\u0259sind\u0259 t\u0259r\u0259fl\u0259rin \u00fcz\u0259rin\u0259 d\u00fc\u015f\u0259n riskl\u0259r, x\u00fcsusil\u0259 d\u0259 fiziki \u015f\u0259xsl\u0259rin h\u0259yat v\u0259 sa\u011flaml\u0131\u011f\u0131 il\u0259 ba\u011fl\u0131 m\u0259qamlar bu sah\u0259d\u0259 t\u0259hl\u00fck\u0259sizlik mexanizml\u0259rinin m\u00f6vcudlu\u011funu z\u0259ruri edir. Bu kontekstd\u0259 \u201cKredit h\u0259yat s\u0131\u011fortas\u0131\u201d xidm\u0259ti h\u0259m borcalanlar\u0131n h\u00fcquq v\u0259 maraqlar\u0131n\u0131n m\u00fcdafi\u0259si, h\u0259m d\u0259 bank sektorunun riskl\u0259rinin s\u0131\u011fortalanmas\u0131 bax\u0131m\u0131ndan \u0259h\u0259miyy\u0259tli funksiyalar yerin\u0259 yetirir. \u201cKredit h\u0259yat s\u0131\u011fortas\u0131\u201d fiziki \u015f\u0259xsin kredit \u00f6hd\u0259liyini m\u00fc\u0259yy\u0259n s\u0259b\u0259bl\u0259rd\u0259n, x\u00fcsusil\u0259 d\u0259 \u00f6l\u00fcm v\u0259 ya \u0259m\u0259k&hellip;<\/p>\n","protected":false},"author":2,"featured_media":813100,"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\/06\/a569398d175085180668071733211061522.jpg",975,540,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/06\/a569398d175085180668071733211061522.jpg",975,540,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/06\/a569398d175085180668071733211061522.jpg",975,540,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/06\/a569398d175085180668071733211061522-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/06\/a569398d175085180668071733211061522-660x365.jpg",660,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/06\/a569398d175085180668071733211061522-840x465.jpg",640,354,true],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/06\/a569398d175085180668071733211061522.jpg",975,540,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/06\/a569398d175085180668071733211061522.jpg",975,540,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/06\/a569398d175085180668071733211061522-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/06\/a569398d175085180668071733211061522.jpg",975,540,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=1\" rel=\"category\">C\u0259miyy\u0259t<\/a>","rttpg_excerpt":"\u00c7a\u011fda\u015f d\u00f6vr\u00fcm\u00fczd\u0259 maliyy\u0259 institutlar\u0131n\u0131n \u0259haliy\u0259 t\u0259qdim etdiyi kredit m\u0259hsullar\u0131 iqtisadi f\u0259all\u0131\u011f\u0131n geni\u015fl\u0259nm\u0259si, c\u0259miyy\u0259td\u0259 sosial rifah\u0131n y\u00fcks\u0259ldilm\u0259si v\u0259 bazar i\u015ftirak\u00e7\u0131lar\u0131n\u0131n maliyy\u0259 ehtiyaclar\u0131n\u0131n qar\u015f\u0131lanmas\u0131 bax\u0131m\u0131ndan m\u00fch\u00fcm rol oynay\u0131r. Bu bax\u0131mdan kredit m\u00fcnasib\u0259tl\u0259ri \u00e7\u0259r\u00e7iv\u0259sind\u0259 t\u0259r\u0259fl\u0259rin \u00fcz\u0259rin\u0259 d\u00fc\u015f\u0259n riskl\u0259r, x\u00fcsusil\u0259 d\u0259 fiziki \u015f\u0259xsl\u0259rin h\u0259yat v\u0259 sa\u011flaml\u0131\u011f\u0131 il\u0259 ba\u011fl\u0131 m\u0259qamlar bu sah\u0259d\u0259 t\u0259hl\u00fck\u0259sizlik mexanizml\u0259rinin m\u00f6vcudlu\u011funu z\u0259ruri edir. 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