{"id":816487,"date":"2025-07-18T11:20:50","date_gmt":"2025-07-18T07:20:50","guid":{"rendered":"https:\/\/arantv.az\/?p=816487"},"modified":"2025-07-18T11:20:50","modified_gmt":"2025-07-18T07:20:50","slug":"kredit-d%c9%99l%c9%99duzlarina-qarsi-yeni-sistem","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=816487","title":{"rendered":"Kredit d\u0259l\u0259duzlar\u0131na qar\u015f\u0131 yeni sistem"},"content":{"rendered":"
\n

Ekspert qeyd edir ki, yeni mexanizml\u0259rin effektiv i\u015fl\u0259m\u0259si \u00fc\u00e7\u00fcn d\u0259qiq kriteriyalar m\u00fc\u0259yy\u0259n olunmal\u0131d\u0131r<\/strong><\/h3>\n

Az\u0259rbaycan Kredit B\u00fcrosu (AKB) sahibkarlar\u00a0 v\u0259 kredit t\u0259\u015fkilatlar\u0131 \u00fc\u00e7\u00fcn 2 yeni m\u0259hsul haz\u0131rlay\u0131r. Onlardan biri mikro sahibkarlar \u00fc\u00e7\u00fcn \u201cFinScore\u201d olacaq, dig\u0259ri is\u0259 \u201cFraudScore\u201d adlan\u0131r. Bununla kredit d\u0259l\u0259duzlu\u011funun qar\u015f\u0131s\u0131n\u0131 almaq m\u00fcmk\u00fcn olacaq. \u201cYeni M\u00fcsavat\u201d FED.az-a istinad\u0259n x\u0259b\u0259r verir ki, bunu AKB-nin Data analitikas\u0131 Departamentinin r\u0259hb\u0259ri Kamal Mirz\u0259yev deyib. Onun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, yeni xidm\u0259t say\u0259sind\u0259 banklardak\u0131 problemli kreditl\u0259rin h\u0259cminin artmas\u0131n\u0131n qar\u015f\u0131s\u0131 al\u0131na bil\u0259r: \u201cFraudScore\u201d d\u0259l\u0259duzlu\u011fa qar\u015f\u0131 xidm\u0259t olacaq. Tutaq ki, bir \u015f\u0259xs krediti g\u00f6t\u00fcr\u00fcr, amma niyy\u0259ti odur ki, bundan sonra onu \u00f6d\u0259m\u0259y\u0259c\u0259k. Yeni skoqrinq m\u0259hsulu bu kimi hallar\u0131n qar\u015f\u0131s\u0131n\u0131 alma\u011fa xidm\u0259t ed\u0259c\u0259k”.<\/p>\n

B\u0259s onlar nec\u0259 m\u00fc\u0259yy\u0259n olunacaq? Suala ayd\u0131nl\u0131q g\u0259tir\u0259n K.Mirz\u0259yev bunun \u00fc\u00e7\u00fcn ciddi ara\u015fd\u0131rmalar etdikl\u0259rini vur\u011fulay\u0131b: \u201c\u0130ndiy\u0259 q\u0259d\u0259r ba\u015f ver\u0259n bu c\u00fcr hallar\u0131 ara\u015fd\u0131rm\u0131\u015f\u0131q. M\u0259lum olur ki, d\u0259l\u0259duzluq ed\u0259n \u015f\u0259xsl\u0259r \u0259vv\u0259ll\u0259r ki\u00e7ik m\u0259bl\u0259\u011fl\u0259rd\u0259 kredit g\u00f6t\u00fcr\u00fcb v\u0259 vaxt\u0131nda \u00f6d\u0259yibl\u0259r, gecikm\u0259 etm\u0259yibl\u0259r. Zamanla m\u0259bl\u0259\u011fi art\u0131r\u0131blar. Tutaq ki, \u00f6nc\u0259 500 manat g\u00f6t\u00fcr\u00fcb, sonra 1500 manat, daha sonra 2000 manat\u00a0 kredit g\u00f6t\u00fcr\u00fcbl\u0259r v\u0259 vaxt\u0131nda qaytar\u0131blar. Buna g\u00f6r\u0259 kredit skorinql\u0259ri d\u0259 y\u00fcks\u0259k olub. Bank da buna bax\u0131b sonra iri m\u0259bl\u0259\u011f ay\u0131rma\u011fa q\u0259rar verib. F\u0131r\u0131ldaq\u00e7\u0131 is\u0259 pulu g\u00f6t\u00fcr\u00fcb qaytarmay\u0131b. Bu c\u00fcr davran\u0131\u015f g\u00f6st\u0259r\u0259n \u015f\u0259xsl\u0259r art\u0131q h\u0259r zaman n\u0259zar\u0259td\u0259 olacaq. Onlar\u0131n kredit almaq \u015fanslar\u0131 azala bil\u0259r\u201d.<\/strong><\/p>\n

Bel\u0259 hallar\u0131n qar\u015f\u0131s\u0131n\u0131 almaq \u00fc\u00e7\u00fcn \u201cFinScore\u201dun \u0259ksi olan \u201cFraudScore\u201d haz\u0131rlan\u0131b. Bu d\u0259l\u0259duzlu\u011fa qar\u015f\u0131 skorinqdir. Bununla birba\u015fa kredit \u00fc\u00e7\u00fcn m\u00fcraci\u0259t edildiyi anda sor\u011fulananda art\u0131q h\u0259min \u015f\u0259xsin kredit g\u00f6t\u00fcrd\u00fckd\u0259n sonra \u00f6d\u0259m\u0259m\u0259 ehtimal\u0131n\u0131n \u00f6l\u00e7\u00fcs\u00fc m\u00fc\u0259yy\u0259n olunacaq. Bu, banklar\u0131n bel\u0259 kreditl\u0259r\u0259 q\u0259rar verm\u0259sin\u0259 ciddi t\u0259sir ed\u0259c\u0259k.<\/p>\n

K.Mirz\u0259yev bildirib ki, d\u0259l\u0259duzlu\u011fua meylli olmas\u0131 ehtimal edil\u0259n \u015f\u0259xsl\u0259r\u0259 kredit verilm\u0259sind\u0259n imtina edilm\u0259y\u0259c\u0259k. Ancaq bu zaman onlardan kreditin geri qaytar\u0131lmas\u0131n\u0131 s\u0131\u011fortalayan t\u0259minatlar – zamin,\u00a0 girov \u0259mlak\u0131 v\u0259 s. t\u0259l\u0259b olunacaq. Bu kimi faktorlarla bank \u00f6z riskl\u0259rini minimuma endir\u0259c\u0259k.<\/strong><\/p>\n

AKB-nin \u00f6t\u0259n ild\u0259n istifad\u0259 verdiyi \u201cFinScore\u201d is\u0259 borcalanlar\u0131n davran\u0131\u015flar\u0131na \u0259saslanaraq onlara bir reytinq formala\u015fd\u0131r\u0131r. Bu reytinq \u0259sas\u0131nda m\u00fc\u015ft\u0259ril\u0259r\u0259 istehlak, ipoteka kreditl\u0259ri, f\u0259rdi sahibkarlara biznes kreditl\u0259rin ayr\u0131lmas\u0131nda \u00e7ox aktiv istifad\u0259 olunur. \u201cB2C\u201d y\u00f6n\u0259l\u0259n\u00a0 m\u0259hsuldan daha \u00e7ox banklar, BOKT-lar, lombardlar, lizinq \u015firk\u0259tl\u0259ri v\u0259 dig\u0259r nisy\u0259 alq\u0131-satq\u0131s\u0131 ed\u0259n t\u0259\u015fkilatlar, ma\u011fazalar daxil olmaqla \u00fcmumilikd\u0259 136 t\u0259\u015fkilat istifad\u0259 edir. \u00d6t\u0259n il \u201cFinScore\u201d xidm\u0259ti vasit\u0259sil\u0259 650 min sor\u011fu verilib. Bu ilin I r\u00fcb\u00fcnd\u0259 bu r\u0259q\u0259m 435 min, II r\u00fcbd\u0259 is\u0259 800 mind\u0259n \u00e7ox olub. AKB 2025-ci ilin sonuna h\u0259min xidm\u0259t \u00fczr\u0259 1,5 milyon so\u011frunun olaca\u011f\u0131n\u0131 proqnozla\u015fd\u0131r\u0131r.<\/p>\n

K.Mirz\u0259yev yax\u0131n vaxtlarda s\u0131\u011forta v\u0259 investisiya \u015firk\u0259tl\u0259rinin d\u0259 tam iolaraq bu sistem\u0259 nteqrasiya olunaca\u011f\u0131n\u0131 bildirib: \u201cBiz h\u0259l\u0259 ki ki\u00e7ik, orta v\u0259 iri biznes sektorlar\u0131n\u0131n skorinqini t\u0259qdim etmirik. \u00c7\u00fcnki haz\u0131rda onlarla ba\u011fl\u0131 b\u0259zi m\u0259lumatlar\u0131 D\u00f6vl\u0259t Vergi Xidm\u0259ti v\u0259 dig\u0259r d\u00f6vl\u0259t qurumlar\u0131nd\u0259n \u0259ld\u0259 etm\u0259liyik. Onlar\u0131 detall\u0131 \u015f\u0259kild\u0259 \u0259ld\u0259 etdikd\u0259n sonra bu xidm\u0259ti d\u0259 istismara ver\u0259 bil\u0259c\u0259yik\u201d.<\/strong><\/p>\n

Qeyd ed\u0259k ki, son aylarda Az\u0259rbaycanda qaytar\u0131lmas\u0131nda probleml\u0259r olan kreditl\u0259rin h\u0259cmi art\u0131r. M\u0259rk\u0259zi Bank\u0131n m\u0259lumat\u0131na \u0259sas\u0259n, bu il iyunun 1-n\u0259 Az\u0259rbaycanda vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rin m\u0259bl\u0259\u011fi 508,3 milyon manat t\u0259\u015fkil edib. Bu, may\u0131n 1-i il\u0259 m\u00fcqayis\u0259d\u0259 1,1\u00a0 faiz \u00e7oxdur. \u00d6lk\u0259d\u0259 problemli kreditl\u0259rin m\u0259bl\u0259\u011fi ilin \u0259vv\u0259lin\u0259 nisb\u0259t\u0259n 13,2\u00a0 faiz, son bir ild\u0259 is\u0259 9 faiz art\u0131b. May ay\u0131n\u0131n sonuna vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rin \u00fcmumi kredit portfelind\u0259 x\u00fcsusi \u00e7\u0259kisi 1,7 faiz t\u0259\u015fkil edib.<\/p>\n

M\u0259rk\u0259zi Bank\u0131n r\u0259smi statistikas\u0131na \u0259sas\u0259n, 2025-ci il iyunun 1-n\u0259 banklar\u0131n m\u00fc\u015ft\u0259ril\u0259r\u0259 verdiyi kreditl\u0259rin \u00fcmumi h\u0259cmi (ehtiyatlar \u00e7\u0131x\u0131lmadan) 28 milyard 386.5 milyon manat t\u0259\u015fkil edib. Bu g\u00f6st\u0259rici \u00f6t\u0259n ilin eyni d\u00f6vr\u00fc (25 milyard 158.2 milyon manat) il\u0259 m\u00fcqayis\u0259d\u0259 3 milyard 228.3 milyon manat v\u0259 ya 12.8 faiz art\u0131b. Son bir ild\u0259 kredit portfelinin xarici valyutada olan hiss\u0259si 404.6 milyon manat (8.8 faiz) azalaraq 4 milyard 607.6 milyon manatdan 4 milyard 203.0 milyon manata d\u00fc\u015f\u00fcb.<\/p>\n

May ay\u0131nda banklar\u0131n kredit portfeli ayl\u0131q 1 faiz v\u0259 ya 290 milyon manat art\u0131b. Kredit portfelinin strukturunda biznes kreditl\u0259ri – 53.2 faiz (15 milyard 100 milyon manat), istehlak kreditl\u0259ri – 31.3 faiz (8 milyard\u00a0 881.9 milyon manat), ipoteka kreditl\u0259ri – 15.5 faiz (4 milyard 404.6 milyon manat) paya malikdir.<\/strong><\/p>\n

Xat\u0131rladaq ki, 2024-c\u00fc ilin may ay\u0131nda banklar\u0131n kredit portfeli 2.1 faiz v\u0259 ya 513.7 milyon manat artaraq 25 milyard 158.2 milyon manat olmu\u015fdu. \u00d6t\u0259n ilin 31 may tarizind\u0259 banklar\u0131n kredit portfelind\u0259 biznes kreditl\u0259ri – 54.8 faiz (13 milyard 784.7 milyon manat), istehlak kreditl\u0259ri – 29.7 faiz (7 milyard 480.2 milyon manat), ipoteka kreditl\u0259ri – 15.5 faiz (3 milyard 893.3 milyon\u00a0 manat) paya malik olmu\u015fdu. H\u0259min d\u00f6vrd\u0259 banklar\u0131n biznes, istehlak v\u0259 ipoteka portfeli m\u00fcvafiq olaraq 308.4 milyon manat (+2.3 faiz), 153.2 milyon manat (+2.1 faiz) v\u0259 52.2 milyon manat (+1.4 faiz) artm\u0131\u015fd\u0131.<\/p>\n

Bir s\u0131ra m\u00fct\u0259x\u0259ssisl\u0259r problemli kreditl\u0259rin artmas\u0131nda \u0259sas rolun istehlak kreditl\u0259rin\u0259 m\u0259xsus oldu\u011funu bildirirl\u0259r. 2015-2016-c\u0131 ill\u0259rin devalvasiyalar\u0131ndan sonra yaranan problemli kredit b\u00f6hran\u0131ndan sonra M\u0259rk\u0259zi Bank istehlak kreditl\u0259rinin s\u0259rtl\u0259\u015fdirilm\u0259si \u00fc\u00e7\u00fcn banklarla i\u015f apard\u0131. Bir ne\u00e7\u0259 ild\u0259n sonra bel\u0259 kreditl\u0259rin \u00fcmumi kredit portfelind\u0259ki pay\u0131n\u0131 azaltmaq m\u00fcmk\u00fcn oldu. Lakin son ill\u0259rd\u0259 Az\u0259rbaycanda yenid\u0259n istehlak kreditl\u0259rinin davaml\u0131 art\u0131m\u0131 diqq\u0259ti c\u0259lb edir. R\u0259smi statistikaya n\u0259z\u0259r salsaq g\u00f6r\u0259rik ki, 2020-ci ill\u0259 m\u00fcqayis\u0259d\u0259 bel\u0259 kreditl\u0259rin \u00fcmumi m\u0259bl\u0259\u011fi 3 d\u0259f\u0259y\u0259 yax\u0131n art\u0131b.<\/p>\n

G\u00f6st\u0259ricil\u0259rin illik m\u00fcqayis\u0259si g\u00f6st\u0259rir ki, son bir ild\u0259 banklar\u0131n kredit portfelind\u0259ki art\u0131m\u0131n h\u0259r\u0259k\u0259tverici q\u00fcvv\u0259si istehlak kreditl\u0259ri olub. Bel\u0259 ki, \u00f6t\u0259n ilin may\u0131 il\u0259 m\u00fcqayis\u0259d\u0259 bu ilin may\u0131nda biznes kreditl\u0259ri 1 milyard 315,3 milyon manat(9,5 faiz), istehlak kreditl\u0259ri 1 milyard 401,7 milyon manat(18,7 faiz), ipoteka kreditl\u0259ri 511,3 milyon manat(13,1 faiz) art\u0131b.<\/p>\n

AKB-nin haz\u0131rlad\u0131\u011f\u0131 mexanizml\u0259r kredit d\u0259l\u0259duzlu\u011funa qar\u015f\u0131 m\u00fcbariz\u0259d\u0259 n\u0259 q\u0259d\u0259r effektiv ola bil\u0259r? \u00d6lk\u0259d\u0259 krediti qaytarmamaq \u00fc\u00e7\u00fcn g\u00f6t\u00fcr\u0259nl\u0259rin \u00fcmumi problemli kreditl\u0259rd\u0259 pay\u0131 n\u0259 q\u0259d\u0259r \u00e7oxdur?<\/p>\n

\"M\u0259hk\u0259m\u0259-h\u00fcquq<\/p>\n

\u018fkr\u0259m H\u0259s\u0259nov<\/strong><\/p>\n

H\u00fcquq\u015f\u00fcnas \u018fkr\u0259m H\u0259s\u0259novun \u201cYeni M\u00fcsavat\u201da dediyin\u0259 g\u00f6r\u0259, t\u0259\u015f\u0259bb\u00fcs\u00fcn ciddi bir iqtisadi \u00e7\u0259kisi yoxdur: \u201cD\u00fcz\u00fcn\u00fc deyim, bu, havay\u0131 pul x\u0259rcl\u0259m\u0259kdir. Kredit \u00fc\u00e7\u00fcn m\u00fcraci\u0259t ed\u0259n \u015f\u0259xsin kredit tarix\u00e7\u0259si onsuz da banklara v\u0259 bank olmayan kredit t\u0259\u015fkilatlar\u0131na a\u00e7\u0131qd\u0131r. Bunu bank g\u00f6r\u00fcr v\u0259 kredit q\u0259rar\u0131n\u0131 da ondan \u00e7\u0131x\u0131\u015f ed\u0259r\u0259k verir. \u0130kinci t\u0259r\u0259fd\u0259n, x\u0131rda-x\u0131rda g\u00f6t\u00fcr\u0259nl\u0259rin d\u0259l\u0259duz oldu\u011funu nec\u0259 m\u00fc\u0259yy\u0259n ed\u0259c\u0259kl\u0259r? Ax\u0131 banklar onsuz da ilk d\u0259f\u0259d\u0259n kim\u0259s\u0259 b\u00f6y\u00fck m\u0259bl\u0259\u011fd\u0259 kredit vermirl\u0259r, h\u0259mi\u015f\u0259 az m\u0259bl\u0259\u011fd\u0259n ba\u015flay\u0131r, m\u00fc\u015ft\u0259rinin davran\u0131\u015flar\u0131n\u0131 izl\u0259yir, m\u0259bl\u0259\u011fi t\u0259dric\u0259n art\u0131r\u0131rlar. Y\u0259ni faktiki olaraq, kredit g\u00f6t\u00fcrm\u0259k imkan\u0131 olan h\u0259r k\u0259s eyni yolu ke\u00e7ir. Bu halda kimin d\u0259l\u0259duz, kimin vicdanl\u0131 m\u00fc\u015ft\u0259ri oldu\u011funu nec\u0259 m\u00fc\u0259yy\u0259n etm\u0259k olar? Kredit B\u00fcrosu bunun mexanizmini nec\u0259 g\u00f6r\u00fcr, anla\u015f\u0131lm\u0131r\u201d…<\/p>\n

Ekspertin s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, onsuz da banklar kredit verm\u0259y\u0259 adam tapm\u0131rlar: \u201cOnsuz da problemli kreditl\u0259ri olanlar \u00e7oxdur, banklar sa\u011flam tarix\u00e7\u0259li m\u00fc\u015ft\u0259ri u\u011frunda s\u00f6z\u00fcn h\u0259qiqi m\u0259nas\u0131nda m\u00fcbariz\u0259 apar\u0131rlar. Az sayda m\u00fc\u015ft\u0259rinin bir qismini d\u0259 d\u0259l\u0259duz ad\u0131 il\u0259 k\u0259nara qoymaq banklar \u00fc\u00e7\u00fcn s\u0259m\u0259r\u0259li olmaz\u201d.<\/p>\n

<\/p>\n

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

\u0130qtisad\u00e7\u0131-ekspert R\u0259\u015fad H\u0259s\u0259nov deyir ki, AKB-nin haz\u0131rlad\u0131\u011f\u0131 metod d\u00fcnyada geni\u015f t\u0259tbiq olunur:<\/strong>\u00a0\u201c\u018fks\u0259r \u00f6lk\u0259l\u0259rd\u0259 bu, ayr\u0131ca t\u0259tbiq olunsa da, b\u0259zi \u00f6lk\u0259l\u0259rd\u0259 kredit reytinqin\u0259 inteqrasiya olunmu\u015f formalar\u0131na da rast g\u0259lm\u0259k m\u00fcmk\u00fcnd\u00fcr. Bu, b\u0259zi \u00f6lk\u0259l\u0259rd\u0259 d\u00f6vl\u0259t qurumlar\u0131 – maliyy\u0259 bazarlar\u0131na n\u0259zar\u0259t orqanlar\u0131 t\u0259r\u0259find\u0259n h\u0259yata ke\u00e7irils\u0259 d\u0259, tam m\u00fcst\u0259qil t\u0259\u015fkilatlar\u0131n, h\u0259tta qeyri-h\u00f6kum\u0259t t\u0259\u015fkilatlar\u0131n\u0131n da bu i\u015fi aparmas\u0131 hallar\u0131 var. Az\u0259rbaycana bu t\u0259cr\u00fcb\u0259nin g\u0259tirilm\u0259si v\u0259 t\u0259tbiq olunmas\u0131 m\u00fcsb\u0259t hald\u0131r. Maliyy\u0259 bazarlar\u0131nda m\u00fcnasib\u0259tl\u0259rin daha sa\u011flam \u0259sasd qurulmas\u0131 v\u0259 \u015f\u0259ffafla\u015fmas\u0131na da m\u00fcsb\u0259t t\u0259siri ola bil\u0259r. Eyni zamanda problemli kreditl\u0259rin h\u0259cmind\u0259 azalmaya nail olma\u011fa da yard\u0131m ed\u0259r. Lakin bu mexanizmin effektivlyini qiym\u0259tl\u0259ndirm\u0259k \u00fc\u00e7\u00fcn \u0259limizd\u0259 b\u00f6y\u00fck m\u0259lumat bazas\u0131 olmal\u0131d\u0131r. T\u0259\u0259ss\u00fcf ki, bel\u0259 bir baza yoxdur, Az\u0259rbaycanda d\u0259l\u0259duzluq s\u0259b\u0259bind\u0259n qay\u0131tmayan kreditl\u0259rin \u00fcmumi problemli kreditl\u0259rd\u0259 pay\u0131 a\u00e7\u0131qlanm\u0131r. Lakin m\u00fcxt\u0259lif m\u0259nb\u0259l\u0259rin da\u011f\u0131n\u0131q m\u0259lumatlar\u0131 g\u00f6st\u0259rir ki, bel\u0259 hallar var\u201d.<\/p>\n

Ekspert qeyd edir ki, yeni mexanizml\u0259rin effektiv i\u015fl\u0259m\u0259si \u00fc\u00e7\u00fcn d\u0259qiq kriteriyalar m\u00fc\u0259yy\u0259n olunmal\u0131d\u0131r:<\/strong>\u00a0\u201cEl\u0259 bir mexanizm olmal\u0131d\u0131r ki, banklar\u0131n m\u00fc\u015ft\u0259ril\u0259r\u0259 d\u0259l\u0259duzluq ehtimal\u0131na g\u00f6r\u0259 verm\u0259dikl\u0259ri kreditl\u0259rd\u0259n \u0259ld\u0259 ed\u0259c\u0259kl\u0259ri – y\u0259ni itirdikl\u0259ri g\u0259lirl\u0259r kredit ver\u0259c\u0259kl\u0259ri t\u0259qdird\u0259 g\u00f6zl\u0259nil\u0259n itkil\u0259rind\u0259n az olsun. Bel\u0259 olmayacaqsa, t\u0259cr\u00fcb\u0259 \u00f6z\u00fcn\u00fc do\u011frultmaya bil\u0259r. D\u00fc\u015f\u00fcn\u00fcr\u0259m ki, mexanizml\u0259rin i\u015fl\u0259kliyi onun banklara faydal\u0131l\u0131\u011f\u0131ndan as\u0131l\u0131 olacaq\u201d.<\/p>\n

D\u00fcnya SAK\u0130T,<\/strong>
\n\u201cYeni M\u00fcsavat\u201d<\/strong><\/p>\n<\/div>\n

<\/div>\n
<\/div>\n
\n
<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Ekspert qeyd edir ki, yeni mexanizml\u0259rin effektiv i\u015fl\u0259m\u0259si \u00fc\u00e7\u00fcn d\u0259qiq kriteriyalar m\u00fc\u0259yy\u0259n olunmal\u0131d\u0131r Az\u0259rbaycan Kredit B\u00fcrosu (AKB) sahibkarlar\u00a0 v\u0259 kredit t\u0259\u015fkilatlar\u0131 \u00fc\u00e7\u00fcn 2 yeni m\u0259hsul haz\u0131rlay\u0131r. Onlardan biri mikro sahibkarlar \u00fc\u00e7\u00fcn \u201cFinScore\u201d olacaq, dig\u0259ri is\u0259 \u201cFraudScore\u201d adlan\u0131r. Bununla kredit d\u0259l\u0259duzlu\u011funun qar\u015f\u0131s\u0131n\u0131 almaq m\u00fcmk\u00fcn olacaq. \u201cYeni M\u00fcsavat\u201d FED.az-a istinad\u0259n x\u0259b\u0259r verir ki, bunu AKB-nin Data analitikas\u0131 Departamentinin r\u0259hb\u0259ri Kamal Mirz\u0259yev deyib. Onun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, yeni xidm\u0259t say\u0259sind\u0259 banklardak\u0131 problemli kreditl\u0259rin h\u0259cminin artmas\u0131n\u0131n qar\u015f\u0131s\u0131 al\u0131na bil\u0259r: \u201cFraudScore\u201d d\u0259l\u0259duzlu\u011fa qar\u015f\u0131 xidm\u0259t olacaq. Tutaq ki, bir \u015f\u0259xs krediti g\u00f6t\u00fcr\u00fcr, amma niyy\u0259ti odur ki, bundan…<\/p>\n","protected":false},"author":2,"featured_media":816488,"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\/07\/cc53c45666319a7e5e4b7c3199bbe3ff.jpg",768,403,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/cc53c45666319a7e5e4b7c3199bbe3ff.jpg",768,403,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/cc53c45666319a7e5e4b7c3199bbe3ff.jpg",768,403,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/cc53c45666319a7e5e4b7c3199bbe3ff-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/cc53c45666319a7e5e4b7c3199bbe3ff-660x346.jpg",660,346,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/cc53c45666319a7e5e4b7c3199bbe3ff.jpg",640,336,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/cc53c45666319a7e5e4b7c3199bbe3ff.jpg",768,403,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/cc53c45666319a7e5e4b7c3199bbe3ff.jpg",768,403,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/cc53c45666319a7e5e4b7c3199bbe3ff-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/cc53c45666319a7e5e4b7c3199bbe3ff.jpg",768,403,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":"Ekspert qeyd edir ki, yeni mexanizml\u0259rin effektiv i\u015fl\u0259m\u0259si \u00fc\u00e7\u00fcn d\u0259qiq kriteriyalar m\u00fc\u0259yy\u0259n olunmal\u0131d\u0131r Az\u0259rbaycan Kredit B\u00fcrosu (AKB) sahibkarlar\u00a0 v\u0259 kredit t\u0259\u015fkilatlar\u0131 \u00fc\u00e7\u00fcn 2 yeni m\u0259hsul haz\u0131rlay\u0131r. Onlardan biri mikro sahibkarlar \u00fc\u00e7\u00fcn \u201cFinScore\u201d olacaq, dig\u0259ri is\u0259 \u201cFraudScore\u201d adlan\u0131r. Bununla kredit d\u0259l\u0259duzlu\u011funun qar\u015f\u0131s\u0131n\u0131 almaq m\u00fcmk\u00fcn olacaq. \u201cYeni M\u00fcsavat\u201d FED.az-a istinad\u0259n x\u0259b\u0259r verir ki, bunu AKB-nin Data analitikas\u0131…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/816487"}],"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=816487"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/816487\/revisions"}],"predecessor-version":[{"id":816489,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/816487\/revisions\/816489"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/816488"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=816487"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=816487"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=816487"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}