Son d\u00f6vrl\u0259r \u00f6lk\u0259d\u0259 makroiqtisadi sabitliyin m\u00f6hk\u0259ml\u0259ndirilm\u0259si, pul siyas\u0259tinin \u00f6t\u00fcr\u00fcc\u00fcl\u00fcy\u00fcn\u00fcn g\u00fccl\u0259ndirilm\u0259si v\u0259 maliyy\u0259 sektorunun t\u0259nziml\u0259nm\u0259si sah\u0259sind\u0259 h\u0259yata ke\u00e7iril\u0259n islahatlar\u0131n yaratd\u0131\u011f\u0131 \u0259lveri\u015fli m\u00fchit maliyy\u0259 \u0259l\u00e7atanl\u0131\u011f\u0131na t\u00f6hf\u0259 ver\u0259c\u0259k proqram\u0131n t\u0259tbiqin\u0259 z\u0259min yarad\u0131b.<\/p>\n
Qeyd ed\u0259k ki, h\u0259yata ke\u00e7irilmi\u015f strateji t\u0259\u015f\u0259bb\u00fcsl\u0259r beyn\u0259lxalq reytinq agentlikl\u0259ri t\u0259r\u0259find\u0259n Az\u0259rbaycan\u0131n suveren kredit reytinqinin investisiya s\u0259viyy\u0259sin\u0259 y\u00fcks\u0259ldilm\u0259sin\u0259, h\u0259m\u00e7inin n\u00f6vb\u0259ti d\u00f6vr \u00fc\u00e7\u00fcn d\u0259 m\u00fcsb\u0259t dinamikan\u0131n proqnozla\u015fd\u0131r\u0131lmas\u0131na \u0259sas verib. \u00d6lk\u0259nin suveren reytinqinin artmas\u0131 fonunda kredit t\u0259\u015fkilatlar\u0131n\u0131n maliyy\u0259 dayan\u0131ql\u0131l\u0131\u011f\u0131n\u0131n g\u00fccl\u0259nm\u0259si onlar\u0131n reytinq g\u00f6st\u0259ricil\u0259rin\u0259 d\u0259 m\u00fcsb\u0259t t\u0259sir g\u00f6st\u0259rir. Bel\u0259 ki, bu \u0259lveri\u015fli m\u00fchit yerli maliyy\u0259 institutlar\u0131n\u0131n beyn\u0259lxalq bazarlardan v\u0259sait c\u0259lb etm\u0259k imkanlar\u0131n\u0131 geni\u015fl\u0259ndirir.<\/p>\n
Maliyy\u0259 sektorunda yenilik<\/p>\n
Maliyy\u0259 sektorunda ilk d\u0259f\u0259 olaraq 1 avqust 2025-ci il tarixind\u0259n etibar\u0259n banklar v\u0259 bank olmayan kredit t\u0259\u015fkilatlar\u0131 (BOKT) \u00fc\u00e7\u00fcn yeni maliyy\u0259 al\u0259tin\u0259 \u00e7\u0131x\u0131\u015f imkan\u0131 ver\u0259n 3 illik proqram\u0131n t\u0259tbiqi n\u0259z\u0259rd\u0259 tutulur.<\/p>\n
Bu bar\u0259d\u0259 Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131 (AMB) m\u0259lumat yay\u0131b. M\u0259lumatda deyilir ki, proqram \u00e7\u0259r\u00e7iv\u0259sind\u0259 bank v\u0259 BOKT-l\u0259rin qeyri-rezident maliyy\u0259 t\u0259\u015fkilatlar\u0131ndan c\u0259lb etdikl\u0259ri v\u0259saitl\u0259r manata m\u00fcbadil\u0259 olunduqdan sonra AMB t\u0259r\u0259find\u0259n t\u0259qdim olunan maliyy\u0259 al\u0259ti il\u0259 hedc olunacaq. Hedc olunmu\u015f v\u0259sait mikro, ki\u00e7ik v\u0259 orta sahibkarl\u0131q subyektl\u0259ri, ail\u0259-k\u0259ndli t\u0259s\u0259rr\u00fcfatlar\u0131 v\u0259 \u00f6z\u00fcn\u00fcm\u0259\u015f\u011ful \u0259halinin kredit v\u0259 lizinq vasit\u0259sil\u0259 maliyy\u0259l\u0259\u015fdirilm\u0259sin\u0259 y\u00f6n\u0259ldil\u0259c\u0259kdir.<\/p>\n
Bel\u0259c\u0259, bank v\u0259 BOKT-l\u0259r m\u00f6vcud aktiv hedcinq al\u0259tl\u0259rini l\u0259\u011fv ed\u0259r\u0259k, AMB-nin t\u0259qdim etdiyi imkandan faydalana bil\u0259rl\u0259r. Bu zaman \u0259ld\u0259 olunacaq q\u0259na\u0259tin 50%-i m\u00fc\u015ft\u0259ril\u0259r\u0259 t\u0259qdim olunan kredit \u015f\u0259rtl\u0259rinin y\u00fcng\u00fcll\u0259\u015fdirilm\u0259sin\u0259 y\u00f6n\u0259ldil\u0259c\u0259kdir.<\/p>\n
\u00dcmumilikd\u0259, t\u0259qdim olunan proqram kredit t\u0259\u015fkilatlar\u0131n\u0131n xarici maliyy\u0259 bazarlar\u0131ndan borclanma imkanlar\u0131n\u0131 geni\u015fl\u0259ndirm\u0259kl\u0259 \u00f6lk\u0259 iqtisadiyyat\u0131na xarici maliyy\u0259 resurslar\u0131n\u0131n daxil olmas\u0131n\u0131 d\u0259st\u0259kl\u0259y\u0259c\u0259k.<\/p>\n
Qeyd ed\u0259k ki, kredit t\u0259\u015fkilatlar\u0131n\u0131n t\u0259klif olunan yeni hedcinq al\u0259tind\u0259n istifad\u0259si kreditl\u0259\u015fm\u0259 \u00fc\u00e7\u00fcn c\u0259lb olunan resurslar\u0131n maya d\u0259y\u0259rini d\u0259 azaldacaqd\u0131r. B\u00fct\u00f6vl\u00fckd\u0259 is\u0259, bu al\u0259tin t\u0259tbiqi iqtisadiyyat\u0131n \u015fax\u0259l\u0259ndirilm\u0259si v\u0259 geni\u015fl\u0259ndirilm\u0259si, h\u0259m\u00e7inin maliyy\u0259 inkl\u00fczivliyinin art\u0131r\u0131lmas\u0131 h\u0259d\u0259fl\u0259rinin realla\u015fmas\u0131 \u00fc\u00e7\u00fcn m\u00fch\u00fcm z\u0259min yarad\u0131r.<\/p>\n
Kredit faizl\u0259ri azalacaq?<\/p>\n
Musavat.com\u00a0x\u0259b\u0259r verir ki, m\u00f6vzu il\u0259 ba\u011fl\u0131 Bizim.Media-ya dan\u0131\u015fan iqtisad\u00e7\u0131 ekspert Fuad \u0130brahimov deyir ki, bu layih\u0259nin h\u0259d\u0259fi banklara ucuz v\u0259saitin c\u0259lb edilm\u0259sidir: “N\u0259z\u0259r\u0259 alaq ki, M\u0259rk\u0259zi Bank son zamanlarda v\u0259t\u0259nda\u015f-bank, v\u0259t\u0259nda\u015f-maliyy\u0259 sektoru aras\u0131nda m\u00fcnasib\u0259tl\u0259rin elastikliyin\u0259, \u0259laq\u0259l\u0259rin \u015fax\u0259l\u0259ndirilm\u0259sin\u0259 \u00e7al\u0131\u015f\u0131r. V\u0259 proses durmadan inki\u015faf etdirilir. B\u00fct\u00fcn imkanlardan istifad\u0259 edilir ki, m\u00fcnasib\u0259tl\u0259r sa\u011flam v\u0259 s\u0259m\u0259r\u0259li olsun. Bunun \u00fc\u00e7\u00fcn d\u0259 d\u00f6vr\u00fcn t\u0259l\u0259bin\u0259 uy\u011fun al\u0259tl\u0259rin bazara giri\u015fin\u0259 \u00e7al\u0131\u015f\u0131l\u0131r. N\u0259z\u0259r\u0259 alaq ki, banklara ucuz v\u0259saitl\u0259rin c\u0259lb edilm\u0259si \u00e7oxdank\u0131 bir arzudur. \u00c7\u00fcnki ideya realla\u015fsa, BOKT-lar v\u0259 banklar v\u0259t\u0259nda\u015flara daha ucuz kredit t\u0259klif ed\u0259 bil\u0259r”.<\/p>\n
M\u00fcsahibimiz hesab edir ki, b\u00f6y\u00fck \u00f6l\u00e7\u00fcd\u0259 ucuz v\u0259saitin bazara daxil olmas\u0131 disbalans da yarada bil\u0259r: “Ona g\u00f6r\u0259 d\u0259 ucuz v\u0259saitin maliyy\u0259 sektoruna c\u0259lb edilm\u0259si h\u0259ssasl\u0131qla v\u0259 diqq\u0259tl\u0259 apar\u0131lmal\u0131d\u0131r. Unutmayaq ki, ucuz v\u0259saitin c\u0259lb edilm\u0259si \u00fc\u00e7\u00fcn ilk n\u00f6vb\u0259d\u0259 m\u00fcnbit \u015f\u0259rait yarad\u0131lmal\u0131d\u0131r. Bunun \u00fc\u00e7\u00fcn \u00f6lk\u0259d\u0259 sa\u011flam iqtisadi m\u00fchit olmal\u0131d\u0131r. M\u00fc\u0259yy\u0259n iqtisadi g\u00f6st\u0259ricil\u0259r beyn\u0259lxalq maliyy\u0259 institutlar\u0131n\u0131n t\u0259l\u0259bl\u0259rin\u0259 cavab verm\u0259lidir. Bu g\u00fcn\u00fcn t\u0259l\u0259bi odur ki, reytinq c\u0259dv\u0259ll\u0259rind\u0259 investisiya cazib\u0259darl\u0131\u011f\u0131 y\u00fcks\u0259k olsun. Ona g\u00f6r\u0259 d\u0259 c\u0259lb edil\u0259n resurslar\u0131n \u00f6lk\u0259 daxilind\u0259 s\u0259m\u0259r\u0259li istifad\u0259si v\u0259 dayan\u0131ql\u0131 maliyy\u0259l\u0259\u015fm\u0259nin t\u0259min olunmas\u0131 m\u0259qs\u0259dil\u0259 AMB t\u0259r\u0259find\u0259n onlar\u0131n uy\u011fun maliyy\u0259 al\u0259tl\u0259ri il\u0259 d\u0259st\u0259kl\u0259nm\u0259si z\u0259ruri hesab olunub. Bunun \u00fc\u00e7\u00fcn d\u0259 yeni maliyy\u0259 mexanizminin t\u0259tbiqin\u0259 q\u0259rar verilib. \u00dcmid edir\u0259m ki, yax\u0131n bir ne\u00e7\u0259 ayda bu layih\u0259nin u\u011furlu n\u0259tic\u0259sini g\u00f6r\u0259c\u0259yik. Banklar v\u0259 BOKT-lar daha ucuz maliyy\u0259 m\u0259nb\u0259l\u0259ri \u0259ld\u0259 ed\u0259c\u0259k v\u0259 bazarda yeni reall\u0131qlar ortaya \u00e7\u0131xacaq”.<\/p>\n","protected":false},"excerpt":{"rendered":"
Son d\u00f6vrl\u0259r \u00f6lk\u0259d\u0259 makroiqtisadi sabitliyin m\u00f6hk\u0259ml\u0259ndirilm\u0259si, pul siyas\u0259tinin \u00f6t\u00fcr\u00fcc\u00fcl\u00fcy\u00fcn\u00fcn g\u00fccl\u0259ndirilm\u0259si v\u0259 maliyy\u0259 sektorunun t\u0259nziml\u0259nm\u0259si sah\u0259sind\u0259 h\u0259yata ke\u00e7iril\u0259n islahatlar\u0131n yaratd\u0131\u011f\u0131 \u0259lveri\u015fli m\u00fchit maliyy\u0259 \u0259l\u00e7atanl\u0131\u011f\u0131na t\u00f6hf\u0259 ver\u0259c\u0259k proqram\u0131n t\u0259tbiqin\u0259 z\u0259min yarad\u0131b. Qeyd ed\u0259k ki, h\u0259yata ke\u00e7irilmi\u015f strateji t\u0259\u015f\u0259bb\u00fcsl\u0259r beyn\u0259lxalq reytinq agentlikl\u0259ri t\u0259r\u0259find\u0259n Az\u0259rbaycan\u0131n suveren kredit reytinqinin investisiya s\u0259viyy\u0259sin\u0259 y\u00fcks\u0259ldilm\u0259sin\u0259, h\u0259m\u00e7inin n\u00f6vb\u0259ti d\u00f6vr \u00fc\u00e7\u00fcn d\u0259 m\u00fcsb\u0259t dinamikan\u0131n proqnozla\u015fd\u0131r\u0131lmas\u0131na \u0259sas verib. \u00d6lk\u0259nin suveren reytinqinin artmas\u0131 fonunda kredit t\u0259\u015fkilatlar\u0131n\u0131n maliyy\u0259 dayan\u0131ql\u0131l\u0131\u011f\u0131n\u0131n g\u00fccl\u0259nm\u0259si onlar\u0131n reytinq g\u00f6st\u0259ricil\u0259rin\u0259 d\u0259 m\u00fcsb\u0259t t\u0259sir g\u00f6st\u0259rir. Bel\u0259 ki, bu \u0259lveri\u015fli m\u00fchit yerli maliyy\u0259 institutlar\u0131n\u0131n beyn\u0259lxalq bazarlardan v\u0259sait c\u0259lb etm\u0259k imkanlar\u0131n\u0131 geni\u015fl\u0259ndirir. Maliyy\u0259…<\/p>\n","protected":false},"author":2,"featured_media":818153,"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\/07\/25791a12a5e2d51c36634074225a870c.jpg",800,500,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/25791a12a5e2d51c36634074225a870c.jpg",800,500,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/25791a12a5e2d51c36634074225a870c.jpg",800,500,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/25791a12a5e2d51c36634074225a870c-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/25791a12a5e2d51c36634074225a870c-584x365.jpg",584,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/25791a12a5e2d51c36634074225a870c.jpg",640,400,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/25791a12a5e2d51c36634074225a870c.jpg",800,500,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/25791a12a5e2d51c36634074225a870c.jpg",800,500,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/25791a12a5e2d51c36634074225a870c-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/25791a12a5e2d51c36634074225a870c.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":"Son d\u00f6vrl\u0259r \u00f6lk\u0259d\u0259 makroiqtisadi sabitliyin m\u00f6hk\u0259ml\u0259ndirilm\u0259si, pul siyas\u0259tinin \u00f6t\u00fcr\u00fcc\u00fcl\u00fcy\u00fcn\u00fcn g\u00fccl\u0259ndirilm\u0259si v\u0259 maliyy\u0259 sektorunun t\u0259nziml\u0259nm\u0259si sah\u0259sind\u0259 h\u0259yata ke\u00e7iril\u0259n islahatlar\u0131n yaratd\u0131\u011f\u0131 \u0259lveri\u015fli m\u00fchit maliyy\u0259 \u0259l\u00e7atanl\u0131\u011f\u0131na t\u00f6hf\u0259 ver\u0259c\u0259k proqram\u0131n t\u0259tbiqin\u0259 z\u0259min yarad\u0131b. Qeyd ed\u0259k ki, h\u0259yata ke\u00e7irilmi\u015f strateji t\u0259\u015f\u0259bb\u00fcsl\u0259r beyn\u0259lxalq reytinq agentlikl\u0259ri t\u0259r\u0259find\u0259n Az\u0259rbaycan\u0131n suveren kredit reytinqinin investisiya s\u0259viyy\u0259sin\u0259 y\u00fcks\u0259ldilm\u0259sin\u0259, h\u0259m\u00e7inin n\u00f6vb\u0259ti d\u00f6vr \u00fc\u00e7\u00fcn d\u0259 m\u00fcsb\u0259t dinamikan\u0131n proqnozla\u015fd\u0131r\u0131lmas\u0131na…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/818152"}],"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=818152"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/818152\/revisions"}],"predecessor-version":[{"id":818154,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/818152\/revisions\/818154"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/818153"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=818152"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=818152"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=818152"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}