{"id":824063,"date":"2025-09-02T08:42:47","date_gmt":"2025-09-02T04:42:47","guid":{"rendered":"https:\/\/arantv.az\/?p=824063"},"modified":"2025-09-02T08:42:47","modified_gmt":"2025-09-02T04:42:47","slug":"kredit-faizl%c9%99ri-il%c9%99-%c9%99man%c9%99t-faizl%c9%99ri-arasinda-ucurum","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=824063","title":{"rendered":"Kredit faizl\u0259ri il\u0259 \u0259man\u0259t faizl\u0259ri aras\u0131nda u\u00e7urum"},"content":{"rendered":"

Ekspertl\u0259r\u0259 g\u00f6r\u0259, problemin d\u0259rinl\u0259\u015fm\u0259m\u0259si \u00fc\u00e7\u00fcn M\u0259rk\u0259zi Bank add\u0131mlar ata bil\u0259r\u00a0<\/strong><\/h2>\n

Az\u0259rbaycanda milli valyutadak\u0131 kreditl\u0259rl\u0259 depozitl\u0259r aras\u0131ndak\u0131 marja (faiz f\u0259rqi) ilin \u0259vv\u0259li il\u0259 m\u00fcqayis\u0259d\u0259 xeyli y\u00fcks\u0259lib. Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n a\u00e7\u0131qlad\u0131\u011f\u0131 m\u0259lumatlar g\u00f6st\u0259rir ki, orta kredit v\u0259 depozit faizl\u0259ri aras\u0131ndak\u0131 f\u0259rq ilin \u0259vv\u0259lind\u0259ki 5,91 faizd\u0259n iyul ay\u0131n\u0131n sonuna 6.25 faiz b\u0259ndin\u0259 y\u00fcks\u0259lib.\u00a0<\/strong><\/p>\n

Bu da son 7 ayda banklar\u0131n faiz marjas\u0131n\u0131n 0.34 faiz artd\u0131\u011f\u0131 dem\u0259kdir. Y\u0259ni \u0259g\u0259r ilin \u0259vv\u0259lind\u0259 banklar h\u0259r 1 000 manat \u00fczr\u0259 kreditd\u0259n illik 59.1 manat xalis g\u0259lir \u0259ld\u0259 edirdil\u0259rs\u0259, 7 ay\u0131n sonuna m\u0259nf\u0259\u0259tlilik 62.5 manata y\u00fcks\u0259lib. 2025-ci ilin \u0259vv\u0259lind\u0259 banklar orta hesabla manat kreditl\u0259rini 14.66 faizl\u0259 verirdil\u0259rs\u0259, yeddi ay\u0131n sonuna bu, 15.22 faiz\u0259 qalx\u0131b. Depozitl\u0259rd\u0259 d\u0259 eyni tendensiya (art\u0131m) davam ed\u0259r\u0259k 8,75 faizd\u0259n 8,97 faiz\u0259 \u00e7at\u0131b. Lakin g\u00f6r\u00fcnd\u00fcy\u00fc kimi, kreditl\u0259rd\u0259 faiz art\u0131m\u0131 depozitl\u0259rd\u0259n daha s\u00fcr\u0259tl\u0259 gedib.<\/p>\n

Banklar kreditl\u0259rd\u0259n bu ilin 7 ay\u0131nda 2 milyard 213\u00a0 milyon manat faiz g\u0259liri \u0259ld\u0259 edibl\u0259r. M\u00fcqayis\u0259 \u00fc\u00e7\u00fcn onlar\u0131n kreditl\u0259rd\u0259n faiz g\u0259liri ke\u00e7\u0259n ilin analoji m\u00fcdd\u0259tind\u0259 1 milyard 770 milyard manat olmu\u015fdu. Bu ilin 7 ay\u0131nda banklar 717.4 milyon manat depozit faizi \u00f6d\u0259yibl\u0259r. Bu, ke\u00e7\u0259n ilin eyni d\u00f6vr\u00fcnd\u0259 487.6 milyon manat olmu\u015fdu. Bel\u0259likl\u0259, banklar\u0131n kredit-depozit \u00fczr\u0259 f\u0259rqd\u0259n xalis faiz g\u0259lirl\u0259ri 1 milyard 290 milyon manatdan 1 milyard 490 milyon manata q\u0259d\u0259r y\u00fcks\u0259lib.<\/em><\/p>\n

Banker.az qeyd edir ki, b\u00fct\u00fcn bu art\u0131mlar Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n 2025-ci ild\u0259 d\u00f6rd ard\u0131c\u0131l iclasda faiz d\u0259r\u0259c\u0259l\u0259rini d\u0259yi\u015fm\u0259z saxlamas\u0131 \u015f\u0259raitind\u0259 ba\u015f verib. T\u0259nziml\u0259yici yaln\u0131z iyuldan etibar\u0259n faizl\u0259ri 25 baza b\u0259ndi endirib. M\u0259rk\u0259zi Bank\u0131n s\u0259dri Taleh Kaz\u0131mov da 23 aprel tarixind\u0259 ke\u00e7iril\u0259n m\u0259tbuat konfransda bu m\u0259s\u0259l\u0259y\u0259 toxunmu\u015fdu v\u0259 t\u0259sdiql\u0259mi\u015fdi ki, kredit v\u0259 depozitl\u0259r aras\u0131nda faiz y\u00fcks\u0259kdir. Onun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, banklar daha \u0259dal\u0259tli v\u0259 uzunm\u00fcdd\u0259tli inki\u015faf modelin\u0259 ke\u00e7id etm\u0259li, \u201ca\u015fa\u011f\u0131 marja, b\u00f6y\u00fck h\u0259cm\u201d prinsipi il\u0259 i\u015fl\u0259m\u0259y\u0259 uy\u011funla\u015fmal\u0131d\u0131rlar: \u201cBanklara deyirik ki, kreditl\u0259\u015fm\u0259ni davam etdirm\u0259k \u00fc\u00e7\u00fcn \u00f6z marjalar\u0131n\u0131zdan istifad\u0259 etm\u0259lisiniz. Bu g\u00fcn marjalar\u0131n\u0131z \u00e7ox y\u00fcks\u0259kdir. Banklar art\u0131q b\u00f6y\u00fck marja deyil, a\u015fa\u011f\u0131 marja il\u0259 b\u00f6y\u00fck h\u0259cml\u0259rd\u0259 i\u015fl\u0259m\u0259 m\u0259d\u0259niyy\u0259tini formala\u015fd\u0131rmal\u0131d\u0131r\u201d.<\/p>\n

R\u0259smi m\u0259lumata g\u00f6r\u0259, 2025-ci ilin iyul ay\u0131nda\u00a0 Az\u0259rbaycan banklar\u0131n\u0131n kredit portfeli 0.1 faiz v\u0259 ya 26 milyon manat artaraq 28 milyard 498.2 milyon manat t\u0259\u015fkil edib. Kredit portfelinin 52,8 faizi(15 milyard 55.8 milyon manat) biznes kreditl\u0259ri, 31,6 faizi (9 milyard 2.2 milyon manat) istehlak kreditl\u0259ri, 15,6 faizi ipoteka kreditl\u0259rind\u0259n (4 milyard 440.2 milyon manat) ibar\u0259t olub.<\/p>\n

Eyni d\u00f6vrd\u0259 deposit portfelinin h\u0259cmi 36 milyard 650.9 milyon manat t\u0259\u015fkil edib. Bu zaman portfelin 58,8 faizi (21 milyard 537 milyon manat) h\u00fcquqi \u015f\u0259xsl\u0259rin, 41.2 faizi (15 milyard 113.9 milyon manat) fiziki \u015f\u0259xsl\u0259rin depozitl\u0259rind\u0259n (f\u0259rdi sahibkarl\u0131qla m\u0259\u015f\u011ful olan fiziki \u015f\u0259xsl\u0259rin depozitl\u0259ri istisna olmaqla) ibar\u0259t olub.<\/p>\n

2025-ci ilin yanvar – iyul aylar\u0131nda banklar 682.8 milyon\u00a0 manat xalis m\u0259nf\u0259\u0259t, 1 milyard 85,9 milyon manat \u0259m\u0259liyyat m\u0259nf\u0259\u0259ti \u0259ld\u0259 etmi\u015fl\u0259r.<\/p>\n

2024-c\u00fc ilin eyni d\u00f6vr\u00fcnd\u0259 banklar\u0131n kredit portfeli 1 faiz v\u0259 ya 265,2 milyon manat artaraq 25 milyard 694.7 milyon manat olmu\u015fdu. Kredit portfelinin strukturunda biznes kreditl\u0259ri 54.2 faiz (13 milyard 910.1 milyon manat); istehlak kreditl\u0259ri 30.2 faiz (7 milyard 765.1 milyon manat), ipoteka kreditl\u0259ri is\u0259 15.6 faiz (4 milyard 19.5 milyon manat) paya malik olmu\u015fdu.\u00a0<\/strong><\/p>\n

Bu d\u00f6vrd\u0259 banklar\u0131n depozit portfelinin \u00fcmumi h\u0259cmi 34 milyard 381,3 milyon manat t\u0259\u015fkil edib. Depozit portfelinin 60,3 faizi (20 milyard 720,3 milyon manat) h\u00fcquqi \u015f\u0259xsl\u0259rin, 39,7 faizi (13 milyard 661 milyon manat) fiziki \u015f\u0259xsl\u0259rin depozitl\u0259rind\u0259n (f\u0259rdi sahibkarl\u0131qla m\u0259\u015f\u011ful olan fiziki \u015f\u0259xsl\u0259rin depozitl\u0259ri istisna olmaqla) ibar\u0259t olub.<\/p>\n

2024-c\u00fc ilin yanvar-iyul aylar\u0131nda banklar 682.8 milyon manat xalis m\u0259nf\u0259\u0259t, 1 milyard 16 milyon manat m\u0259bl\u0259\u011find\u0259 \u0259m\u0259liyyat m\u0259nf\u0259\u0259ti \u0259ld\u0259 etmi\u015fdil\u0259r.<\/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, banklar\u0131n bazar siyas\u0259ti, kredit siyas\u0259ti m\u00f6vcud \u015f\u0259rtl\u0259r v\u0259 konyuktura \u0259sas\u0131nda formala\u015f\u0131r:<\/strong>\u00a0\u201cBura h\u0259m iqtisadiyyat\u0131n t\u0259l\u0259bi strukturu, h\u0259m d\u0259 eyni zamanda requlyativ qurumun h\u0259yata ke\u00e7irdiyi siyas\u0259tin \u00e7\u0259r\u00e7iv\u0259l\u0259ri aiddir. Bundan \u0259lav\u0259, m\u00f6vcud sosial-iqtisadi \u00e7a\u011f\u0131r\u0131\u015flar da bel\u0259 siyas\u0259tin parametrl\u0259rinin m\u00fc\u0259yy\u0259nl\u0259\u015fm\u0259sind\u0259 ciddi rol oynay\u0131r. Bug\u00fcnk\u00fc \u015f\u0259rtl\u0259r daxilind\u0259 deposit faizl\u0259ri il\u0259 kredit faizl\u0259ri aras\u0131nda f\u0259rqi art\u0131ran m\u00fcxt\u0259lif faktorlar var. D\u00fc\u015f\u00fcn\u00fcr\u0259m ki, onlardan birincisi banklara m\u00fcnasib\u0259td\u0259 h\u0259yata ke\u00e7iril\u0259n prudensial \u00e7\u0259r\u00e7iv\u0259 siyas\u0259ti, s\u0259rt t\u0259nziml\u0259m\u0259 mexanizml\u0259rinin art\u0131rd\u0131\u011f\u0131 x\u0259rcl\u0259rdir. \u00c7\u00fcnki Az\u0259rbaycan bazar\u0131nda 2024-c\u00fc ilin \u0259vv\u0259lind\u0259n etibar\u0259n portfelin \u0259h\u0259miyy\u0259tli geni\u015fl\u0259nm\u0259si d\u0259 m\u00fc\u015fahid\u0259 olunur. Y\u0259ni \u00e7ox kredit verib \u00e7ox g\u0259lir \u0259ld\u0259 olunmamas\u0131 m\u0259s\u0259l\u0259si iqtisadiyyat\u0131n t\u00f6r\u0259m\u0259si olara ortaya \u00e7\u0131x\u0131b. Bir t\u0259r\u0259fd\u0259n, banklar \u00e7al\u0131\u015f\u0131rlar kredit portfeli geni\u015fl\u0259nsin, bunun \u00fc\u00e7\u00fcn add\u0131mlar at\u0131rlar. H\u0259tta son aylarda h\u0259yata ke\u00e7iril\u0259n siyas\u0259t h\u0259m d\u0259 portfelin geni\u015fl\u0259nm\u0259sind\u0259n do\u011fan narahatl\u0131qlar\u0131n bu v\u0259 ya dig\u0259r n\u0259zar\u0259td\u0259 saxlanmas\u0131na hesablan\u0131b. Banklara qar\u015f\u0131 t\u0259l\u0259bl\u0259r art\u0131r, onlar\u0131n bir \u00e7oxu \u0259lav\u0259 x\u0259rcl\u0259nm\u0259y\u0259 s\u0259b\u0259b olur. M\u0259s\u0259l\u0259n, ehtiyat normalar\u0131n\u0131n art\u0131r\u0131lmas\u0131 banklar\u0131n daha \u00e7ox v\u0259saiti ehtiyata y\u00f6n\u0259ltm\u0259sin\u0259 s\u0259b\u0259b olur. Bank kredit verm\u0259k \u00fc\u00e7\u00fcn daha \u00e7ox v\u0259saiti ehtiyat normas\u0131 kimi faktiki olaraq g\u0259lir g\u0259tirm\u0259d\u0259n M\u0259rk\u0259zi Bankda saxlay\u0131r. H\u0259min v\u0259saiti \u0259halid\u0259n depozit\u0259 g\u00f6t\u00fcr\u0259n bank m\u0259cburdur ki, krediti daha y\u00fcks\u0259k faizl\u0259 versin ki, depozitl\u0259r\u0259 g\u00f6r\u0259 \u00f6d\u0259ni\u015fl\u0259ri h\u0259yata ke\u00e7ir\u0259 bilsin.<\/p>\n

Ba\u015fqa bir faktor se\u00e7iml\u0259rl\u0259 ba\u011fl\u0131d\u0131r. Banklar \u0259vv\u0259ll\u0259r v\u0259saitl\u0259ri daha risksiz sah\u0259l\u0259rd\u0259 yerl\u0259\u015fdirm\u0259k imkan\u0131 \u0259ld\u0259 edirdil\u0259r. Bu, x\u00fcsusil\u0259 d\u0259 son bir il\u0259 q\u0259d\u0259r banklar \u00fc\u00e7\u00fcn \u0259lveri\u015fli \u015f\u0259rtl\u0259r idi. Maliyy\u0259 Nazirliyinin qiym\u0259tli ka\u011f\u0131zlar\u0131 bu bax\u0131mdan \u0259lveri\u015fli yat\u0131r\u0131m idi. \u0130ndi bu imkan yoxdur.<\/p>\n

Daha bir m\u0259s\u0259l\u0259 kredit portfelinin geni\u015fl\u0259nm\u0259si fonunda iqtisadi riskl\u0259rin artmas\u0131d\u0131r. Banklar\u0131n h\u0259m m\u00fc\u015ft\u0259ri say\u0131 art\u0131r, h\u0259m d\u0259 kredit portfeli. M\u00f6vcud riskl\u0259r fonunda veril\u0259n h\u0259r yeni kredit bank \u00fc\u00e7\u00fcn riski daha da art\u0131r\u0131r. X\u00fcsusil\u0259 d\u0259 istehlak kreditl\u0259rinin artmas\u0131 fonunda artan riskl\u0259r ist\u0259r-ist\u0259m\u0259z kredit faizl\u0259rind\u0259 \u0259ksini tap\u0131r.<\/strong><\/p>\n

M\u00fc\u0259yy\u0259n xarici amill\u0259r d\u0259 var ki, banklar \u00fc\u00e7\u00fcn proqnozla\u015fd\u0131rman\u0131 \u00e7\u0259tinl\u0259\u015fdirir. Bura ilk n\u00f6vb\u0259d\u0259 yeni AB\u015e administrasiyas\u0131n\u0131n h\u0259yata ke\u00e7irdiyi tariff siyas\u0259tinin qlobal v\u0259 yerli iqtisadiyyata t\u0259sirl\u0259ri aiddir. Bel\u0259 proqnozla\u015fd\u0131rman\u0131n apar\u0131la bilm\u0259m\u0259si banklar \u00fc\u00e7\u00fcn \u0259lav\u0259 riskl\u0259r formala\u015fd\u0131r\u0131r. Bel\u0259 risk faktorlar\u0131 da banklar\u0131n kredit faizl\u0259rind\u0259 \u0259ksini tap\u0131r”.<\/p>\n

Ekspert\u0259 g\u00f6r\u0259, M\u0259rk\u0259zi Bank t\u0259r\u0259find\u0259n ortam\u00fcdd\u0259tli d\u00f6vrd\u0259 kredit faizl\u0259rinin a\u015fa\u011f\u0131 sal\u0131nmas\u0131 \u00fc\u00e7\u00fcn m\u00fc\u0259yy\u0259n add\u0131mlar ata bil\u0259r:<\/strong>\u00a0\u201cLakin n\u0259z\u0259r\u0259 almaq laz\u0131md\u0131r ki, getdikc\u0259 artan kreditl\u0259r istehlak bazar\u0131na daxil olaraq \u0259lav\u0259 inflyasiya riskl\u0259ri formala\u015fd\u0131rd\u0131\u011f\u0131na g\u00f6r\u0259 M\u0259rk\u0259zi Bank\u0131n manevr imkanlar\u0131n\u0131 darald\u0131r. T\u0259nziml\u0259yici haz\u0131rk\u0131 \u015f\u0259rtl\u0259r daxilind\u0259 istehlak kreditl\u0259rinin artmas\u0131ndan do\u011fan narahatl\u0131qlar\u0131 neytralla\u015fd\u0131rma\u011fa \u00e7al\u0131\u015f\u0131r, bunun \u00fc\u00e7\u00fcn \u015f\u0259rtl\u0259r a\u011f\u0131rla\u015fd\u0131r\u0131l\u0131r. Bu da son n\u0259tic\u0259d\u0259 risk v\u0259 x\u0259rc art\u0131m\u0131 kimi kredit faizl\u0259rin\u0259 t\u0259sir edir. Buna g\u00f6r\u0259 d\u0259 Az\u0259rbaycanda haz\u0131rda kredit faizl\u0259rinin azald\u0131lmas\u0131 istiqam\u0259tind\u0259 real add\u0131mlar\u0131n at\u0131lmas\u0131 m\u00fcmk\u00fcn deyil. Bank likvid v\u0259saitl\u0259rini real bazarda yerl\u0259\u015fdirm\u0259k \u00fc\u00e7\u00fcn yet\u0259rinc\u0259 imkanlara sahib olmal\u0131d\u0131r. Bel\u0259 olmad\u0131qda m\u0259cburdur ki, az v\u0259saiti daha y\u00fcks\u0259k faizl\u0259 yerl\u0259\u015fdirsin. \u00dcmumil\u0259\u015fdirdikd\u0259 bel\u0259 dey\u0259 bil\u0259rik ki, haz\u0131rda bank sistemi Az\u0259rbaycan\u0131n \u00fcmumi iqtisadi konyukturas\u0131na, iqtisadi \u015f\u0259rtl\u0259rin\u0259 uy\u011fun i\u015fl\u0259yir. N\u0259 vaxt real iqtisadiyyatda \u015f\u0259rtl\u0259r d\u0259yi\u015f\u0259c\u0259k v\u0259 faizl\u0259ri art\u0131ran riskl\u0259r azalacaq, onda kredit faizl\u0259ri d\u0259 a\u015fa\u011f\u0131 d\u00fc\u015f\u0259c\u0259k\u201d.<\/p>\n

\"Eld\u0259niz<\/p>\n

Eld\u0259niz \u018fmirov<\/strong><\/p>\n

\u0130qtisad\u00e7\u0131 Eld\u0259niz \u018fmirovun fikrinc\u0259, kredit v\u0259 depozit faizl\u0259ri aras\u0131nda f\u0259rqin y\u00fcks\u0259kliyi bir \u00e7ox faktorlardan qaynaqlan\u0131r: \u201cN\u0259z\u0259ri bax\u0131mdan, y\u0259ni d\u00fcnya praktikas\u0131na \u0259sas\u0259n birba\u015fa bazarda he\u00e7 bir r\u0259qab\u0259tin olmamas\u0131, \u015f\u0259rtl\u0259ri bir-iki subyektin m\u00fc\u0259yy\u0259n etm\u0259si n\u0259tic\u0259d\u0259 geni\u015f meydan yarad\u0131r, banklar ist\u0259dikl\u0259ri depozit-kredit faizl\u0259rini t\u0259tbiq ed\u0259 bilirl\u0259r. Etiraf ed\u0259k ki, Az\u0259rbaycan\u0131n bank sektorunda bel\u0259 y\u00fcks\u0259k inhisarla\u015fma yoxdur. Do\u011frudur, bank sistemimizin inki\u015faf etmi\u015f \u00f6lk\u0259l\u0259rd\u0259ki q\u0259d\u0259r tam r\u0259qab\u0259tli oldu\u011funu da dey\u0259 bilmirik. Amma eyni zamanda tam inhisarla\u015fmadan da dan\u0131\u015fmaq m\u00fcmk\u00fcn deyil.<\/p>\n

Banklar\u0131n kredit faizl\u0259rini m\u00fc\u0259yy\u0259n etm\u0259sind\u0259 ba\u015fl\u0131ca rol riskl\u0259r\u0259 m\u0259xsusdur. Risk n\u0259 q\u0259d\u0259r \u00e7ox olarsa, bank faizl\u0259ri d\u0259 bir o q\u0259d\u0259r y\u00fcks\u0259k olacaq. Y\u0259ni y\u00fcks\u0259k riskl\u0259r bank\u0131 m\u0259cbur edir ki, depoziti a\u015fa\u011f\u0131 faizl\u0259 q\u0259bul edib krediti y\u00fcks\u0259k faizl\u0259 versin.<\/strong><\/p>\n

Riskl\u0259r is\u0259 Az\u0259rbaycana g\u0259ldikd\u0259, iqtisadi qeyri-m\u00fc\u0259yy\u0259nlik, inflyasiyan\u0131n s\u00fcr\u0259tl\u0259nm\u0259sidir. M\u0259s\u0259l\u0259n, bu ilin 7 ay\u0131nda c\u0259mi 0,9 faizlik iqtisadi art\u0131m qeyd\u0259 al\u0131n\u0131b. Bu, y\u00fcks\u0259k qeyri-m\u00fc\u0259yy\u0259nlik dem\u0259kdir. \u0130nflyasiya da \u00f6t\u0259n ill\u0259 m\u00fcqayis\u0259d\u0259 xeyli s\u00fcr\u0259tl\u0259nib.<\/p>\n

Kredit istiqam\u0259tl\u0259rin\u0259 baxd\u0131qda, b\u0259zi sah\u0259l\u0259r \u00fczr\u0259 biznes kreditl\u0259rind\u0259 azalmalar var. Amma istehlak kreditl\u0259ri davaml\u0131 art\u0131m n\u00fcmayi\u015f etdirir. Problemli kreditl\u0259rin strukturuna baxsaq, g\u00f6r\u0259rik ki, bel\u0259 kreditl\u0259rin art\u0131m\u0131nda istehlak kreditl\u0259ri \u0259sas paya malikdir. B\u00fct\u00fcn bunlar banklar \u00fc\u00e7\u00fcn riskl\u0259rin artmas\u0131ndan x\u0259b\u0259r verir. Bel\u0259 riskl\u0259r is\u0259 faizl\u0259rd\u0259 d\u0259rhal hiss olunur.<\/p>\n

\u0130qtisad\u00e7\u0131 bildirir ki, banklar o zaman a\u015fa\u011f\u0131 faizl\u0259 \u00e7ox kredit verm\u0259kl\u0259 \u00e7ox qazanc \u0259ld\u0259 edirl\u0259r ki, iqtisadiyyat sabit olsun, investisiya m\u00fchiti y\u00fcks\u0259k inki\u015faf etsin:<\/strong>\u00a0\u201cBel\u0259 olanda bank \u0259min olur ki, ay\u0131rd\u0131\u011f\u0131 krediti alan subyekt onu qaytarmaq problemi ya\u015famayacaq, ona g\u00f6r\u0259 d\u0259 m\u00fcmk\u00fcn q\u0259d\u0259r \u00e7ox kredit verm\u0259k \u00fc\u00e7\u00fcn \u015f\u0259rtl\u0259ri yum\u015fald\u0131r, y\u0259ni faizl\u0259ri sal\u0131r. Bu bax\u0131mdan, haz\u0131rda Az\u0259rbaycan banklar\u0131n\u0131n depozit-kredit-faiz siyas\u0259ti birm\u0259nal\u0131 olaraq riskd\u0259n qa\u00e7ma siyas\u0259tidir. Bunun ba\u015fqa ad\u0131 yoxdur\u201d.<\/p>\n

D\u00fcnya SAK\u0130T,
\n\u201cYeni M\u00fcsavat\u201d<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Ekspertl\u0259r\u0259 g\u00f6r\u0259, problemin d\u0259rinl\u0259\u015fm\u0259m\u0259si \u00fc\u00e7\u00fcn M\u0259rk\u0259zi Bank add\u0131mlar ata bil\u0259r\u00a0 Az\u0259rbaycanda milli valyutadak\u0131 kreditl\u0259rl\u0259 depozitl\u0259r aras\u0131ndak\u0131 marja (faiz f\u0259rqi) ilin \u0259vv\u0259li il\u0259 m\u00fcqayis\u0259d\u0259 xeyli y\u00fcks\u0259lib. Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n a\u00e7\u0131qlad\u0131\u011f\u0131 m\u0259lumatlar g\u00f6st\u0259rir ki, orta kredit v\u0259 depozit faizl\u0259ri aras\u0131ndak\u0131 f\u0259rq ilin \u0259vv\u0259lind\u0259ki 5,91 faizd\u0259n iyul ay\u0131n\u0131n sonuna 6.25 faiz b\u0259ndin\u0259 y\u00fcks\u0259lib.\u00a0 Bu da son 7 ayda banklar\u0131n faiz marjas\u0131n\u0131n 0.34 faiz artd\u0131\u011f\u0131 dem\u0259kdir. Y\u0259ni \u0259g\u0259r ilin \u0259vv\u0259lind\u0259 banklar h\u0259r 1 000 manat \u00fczr\u0259 kreditd\u0259n illik 59.1 manat xalis g\u0259lir \u0259ld\u0259 edirdil\u0259rs\u0259, 7 ay\u0131n sonuna m\u0259nf\u0259\u0259tlilik 62.5 manata y\u00fcks\u0259lib. 2025-ci ilin \u0259vv\u0259lind\u0259…<\/p>\n","protected":false},"author":2,"featured_media":824064,"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\/09\/56ff055814c4e7c36aaad54151ef74ca.jpg",620,383,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/09\/56ff055814c4e7c36aaad54151ef74ca.jpg",620,383,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/09\/56ff055814c4e7c36aaad54151ef74ca.jpg",620,383,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/09\/56ff055814c4e7c36aaad54151ef74ca-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/09\/56ff055814c4e7c36aaad54151ef74ca-591x365.jpg",591,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/09\/56ff055814c4e7c36aaad54151ef74ca.jpg",620,383,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/09\/56ff055814c4e7c36aaad54151ef74ca.jpg",620,383,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/09\/56ff055814c4e7c36aaad54151ef74ca.jpg",620,383,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/09\/56ff055814c4e7c36aaad54151ef74ca-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/09\/56ff055814c4e7c36aaad54151ef74ca.jpg",620,383,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":"Ekspertl\u0259r\u0259 g\u00f6r\u0259, problemin d\u0259rinl\u0259\u015fm\u0259m\u0259si \u00fc\u00e7\u00fcn M\u0259rk\u0259zi Bank add\u0131mlar ata bil\u0259r\u00a0 Az\u0259rbaycanda milli valyutadak\u0131 kreditl\u0259rl\u0259 depozitl\u0259r aras\u0131ndak\u0131 marja (faiz f\u0259rqi) ilin \u0259vv\u0259li il\u0259 m\u00fcqayis\u0259d\u0259 xeyli y\u00fcks\u0259lib. Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n a\u00e7\u0131qlad\u0131\u011f\u0131 m\u0259lumatlar g\u00f6st\u0259rir ki, orta kredit v\u0259 depozit faizl\u0259ri aras\u0131ndak\u0131 f\u0259rq ilin \u0259vv\u0259lind\u0259ki 5,91 faizd\u0259n iyul ay\u0131n\u0131n sonuna 6.25 faiz b\u0259ndin\u0259 y\u00fcks\u0259lib.\u00a0 Bu da son 7 ayda…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/824063"}],"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=824063"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/824063\/revisions"}],"predecessor-version":[{"id":824065,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/824063\/revisions\/824065"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/824064"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=824063"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=824063"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=824063"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}