{"id":827367,"date":"2025-09-20T12:12:29","date_gmt":"2025-09-20T08:12:29","guid":{"rendered":"https:\/\/arantv.az\/?p=827367"},"modified":"2025-09-20T12:12:29","modified_gmt":"2025-09-20T08:12:29","slug":"%c9%99hali-il%c9%99-banklar-arasinda-c%c9%99kism%c9%99-340-min-is-m%c9%99hk%c9%99m%c9%99d%c9%99-borclar-silin%c9%99-bil%c9%99r","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=827367","title":{"rendered":"\u018fhali il\u0259 banklar aras\u0131nda \u00e7\u0259ki\u015fm\u0259: 340 min i\u015f m\u0259hk\u0259m\u0259d\u0259 – Borclar silin\u0259 bil\u0259r"},"content":{"rendered":"
\n

Komit\u0259 s\u0259drind\u0259n icra edilm\u0259y\u0259n q\u0259rarlarla ba\u011fl\u0131 \u00e7a\u011f\u0131r\u0131\u015f: \u201cBank v\u0259t\u0259nda\u015f\u0131n durumunu bilirdi, krediti ver\u0259nd\u0259 geri qay\u0131tmayaca\u011f\u0131n\u0131 bilm\u0259li idi\u201d; m\u00fct\u0259x\u0259ssisl\u0259rd\u0259n t\u0259klifl\u0259r<\/strong><\/h3>\n

Milli M\u0259clisin \u0130nsan h\u00fcquqlar\u0131 komit\u0259sinin s\u0259dri Zahid Oruc m\u0259hk\u0259m\u0259 q\u0259rarlar\u0131 il\u0259 ba\u011fl\u0131 maraql\u0131 faktlar a\u00e7\u0131qlay\u0131b. Deputat bildirib ki, Az\u0259rbaycanda v\u0259t\u0259nda\u015flar\u0131n banklara borcunu qaytarmamas\u0131na g\u00f6r\u0259 340 min\u0259 yax\u0131n m\u0259hk\u0259m\u0259 q\u0259rar\u0131 icra edilm\u0259yib:<\/strong><\/p>\n

\u201cHaz\u0131rda icra olunmayan m\u0259hk\u0259m\u0259 q\u0259rarlar\u0131n\u0131n \u0259ks\u0259riyy\u0259ti borc m\u0259s\u0259l\u0259l\u0259ril\u0259 ba\u011fl\u0131d\u0131r. Bank v\u0259t\u0259nda\u015f\u0131n durumunu bilirdi, h\u0259min krediti ver\u0259nd\u0259 d\u0259 geri qay\u0131tmayaca\u011f\u0131n\u0131 bilm\u0259li idi\u201d.<\/p>\n

\"\u018fkr\u0259m<\/p>\n

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

\u0130qtisad\u00e7\u0131 v\u0259kil \u018fkr\u0259m H\u0259s\u0259nov Qaynarinfo-ya bildirib ki, icra olunmayan m\u0259hk\u0259m\u0259 q\u0259rarlar\u0131n\u0131n \u0259ks\u0259riyy\u0259ti borc m\u0259s\u0259l\u0259l\u0259ri il\u0259 ba\u011fl\u0131d\u0131r. \u018fkr\u0259m H\u0259s\u0259nov hesab edir ki, h\u0259min borclar\u0131n \u00f6d\u0259nilm\u0259si sual alt\u0131ndad\u0131r: \u201c\u018fks\u0259r borclar \u00f6d\u0259nil\u0259 bilmir, \u00f6d\u0259nilm\u0259y\u0259c\u0259k d\u0259. \u00dcmumiyy\u0259tl\u0259, h\u0259min borclar silinm\u0259lidir. Amma etiraf ed\u0259k ki, borclar\u0131n aras\u0131nda el\u0259l\u0259ri var ki, qism\u0259n d\u0259 olsa, \u00f6d\u0259nil\u0259 bil\u0259r. Bu da art\u0131q Az\u0259rbaycanda m\u0259hk\u0259m\u0259 q\u0259rarlar\u0131n\u0131n icra institutunun \u00f6z\u00fcn\u00fcn z\u0259if olmas\u0131d\u0131r\u201d.<\/p>\n

\u018fkr\u0259m H\u0259s\u0259novun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, m\u0259hk\u0259m\u0259 q\u0259rarlar\u0131n\u0131n icras\u0131nda ciddi problem var: \u201cOrada i\u015fl\u0259y\u0259nl\u0259rin maa\u015flar\u0131 a\u015fa\u011f\u0131d\u0131r. \u00d6lk\u0259d\u0259 iqtisadi b\u00f6hrand\u0131r. Krediti ver\u0259n d\u0259 fikirl\u0259\u015fir ki, ala bil\u0259c\u0259k, indi is\u0259 insanlar\u0131n v\u0259 biznesin g\u0259lirl\u0259ri azal\u0131r, x\u0259rcl\u0259r is\u0259 art\u0131r. Bu \u015f\u0259raitd\u0259 xeyli \u015f\u0259xs – h\u0259m v\u0259t\u0259nda\u015f, h\u0259m d\u0259 sahibkar borclar\u0131n\u0131 \u00f6d\u0259y\u0259 bilmir. Ancaq bank deyil, borclar\u0131n i\u00e7ind\u0259 bank olmayan kredit t\u0259\u015fkilatlar\u0131, lombardlar, f\u0259rdi s\u0259l\u0259m\u00e7il\u0259r var. Biz bir t\u0259r\u0259fd\u0259n \u015fikay\u0259t edirik ki, niy\u0259 banklar v\u0259t\u0259nda\u015falar kredit vermir, o biri t\u0259r\u0259fd\u0259n d\u0259 deyirik ki, bank niy\u0259 kredit verdi v\u0259 s. Faizl\u0259r ona g\u00f6r\u0259 y\u00fcks\u0259kdir ki, Az\u0259rbaycanda borclar\u0131n qaytar\u0131lmas\u0131 il\u0259 ba\u011fl\u0131 ciddi problem var\u201d.<\/p>\n

\u018fkr\u0259m H\u0259s\u0259novun fikrinc\u0259, get-ged\u0259 bu problem daha da d\u0259rinl\u0259\u015f\u0259c\u0259k: \u201cM\u0259hz buna g\u00f6r\u0259 d\u0259 M\u0259rk\u0259zi Bank da istehlak kreditl\u0259ri \u00fczr\u0259 siyas\u0259tini \u00e7ox s\u0259rtl\u0259\u015fdirir. Banklara m\u0259hdudiyy\u0259tl\u0259r qoyur ki, istehlak krediti \u00e7ox verm\u0259sinl\u0259r\u201d.<\/p>\n

B\u0259s bu borclar nec\u0259 silin\u0259 bil\u0259r? H\u00fcquqi bax\u0131mdan n\u0259 d\u0259r\u0259c\u0259d\u0259 m\u00fcmk\u00fcnd\u00fcr?\u00a0<\/strong><\/p>\n

\"NAT\u0130Q.jpeg<\/strong><\/p>\n

Natiq \u018fl\u0259sg\u0259rov<\/strong><\/p>\n

\u201cBak\u0131\u201d H\u00fcquq \u015eirk\u0259tinin r\u0259hb\u0259ri Natiq \u018fl\u0259sg\u0259rov \u201cYeni M\u00fcsavat\u201da deyib ki, m\u0259s\u0259l\u0259y\u0259 bir ne\u00e7\u0259 t\u0259r\u0259fd\u0259n baxmaq laz\u0131md\u0131r: \u201cHaz\u0131rda ya\u015fananlar son ill\u0259rd\u0259 \u00f6lk\u0259d\u0259 m\u00f6vcud olan kredit siyas\u0259tinin, \u0259halinin g\u0259lirl\u0259ri il\u0259 \u00f6hd\u0259likl\u0259ri aras\u0131ndak\u0131 disbalans\u0131n n\u0259tic\u0259sidir. H\u0259r bir \u00f6lk\u0259d\u0259 kreditl\u0259r iqtisadiyyat\u0131n inki\u015faf\u0131 \u00fc\u00e7\u00fcn vacib al\u0259tdir. Amma kredit \u00f6hd\u0259liyinin icra olunmamas\u0131 bank sektorunu z\u0259ifl\u0259dir, banklar\u0131n likvidliyini azald\u0131r v\u0259 n\u0259tic\u0259d\u0259 maliyy\u0259 bazar\u0131nda riskl\u0259r art\u0131r. Bu s\u0259b\u0259bd\u0259n d\u0259 faiz d\u0259r\u0259c\u0259l\u0259ri y\u00fcks\u0259k qal\u0131r. Y\u0259ni problem yaln\u0131z borclular\u0131n deyil, h\u0259m d\u0259 banklar\u0131n \u00fcz\u0259rind\u0259dir. \u018fhalinin azt\u0259minatl\u0131 t\u0259b\u0259q\u0259sinin g\u00fcnd\u0259lik t\u0259l\u0259bat \u00fc\u00e7\u00fcn g\u00f6t\u00fcrd\u00fcy\u00fc ki\u00e7ik m\u0259bl\u0259\u011fli kreditl\u0259r var. Bu kateqoriyada \u00f6d\u0259m\u0259 qabiliyy\u0259tinin b\u0259rpa olunmas\u0131 \u00e7ox \u00e7\u0259tindir. M\u0259nc\u0259, burada d\u00f6vl\u0259tin birba\u015fa d\u0259st\u0259k mexanizml\u0259ri ola bil\u0259r. Misal \u00fc\u00e7\u00fcn, m\u00fc\u0259yy\u0259n limit\u0259 q\u0259d\u0259r olan borclar\u0131n silinm\u0259si v\u0259 ya d\u00f6vl\u0259t t\u0259r\u0259find\u0259n kompensasiyas\u0131 m\u00fcmk\u00fcnd\u00fcr. Bu, h\u0259m sosial \u0259dal\u0259t bax\u0131m\u0131ndan, h\u0259m d\u0259 v\u0259t\u0259nda\u015flar\u0131n maliyy\u0259 y\u00fck\u00fcn\u00fcn azald\u0131lmas\u0131 bax\u0131m\u0131ndan faydal\u0131 ola bil\u0259r. Sahibkarlar\u0131n g\u00f6t\u00fcrd\u00fckl\u0259ri kreditl\u0259rl\u0259 ba\u011fl\u0131 is\u0259 biznes u\u011fursuz olubsa v\u0259 ya bazar \u015f\u0259raitind\u0259n dolay\u0131 g\u0259lirl\u0259ri azal\u0131bsa, h\u0259min borclar\u0131n tamamil\u0259 silinm\u0259si real deyil. Amma restrukturizasiya mexanizml\u0259ri t\u0259tbiq oluna bil\u0259r. Bank borcu uzunm\u00fcdd\u0259t\u0259 b\u00f6l\u0259 v\u0259 faiz y\u00fck\u00fcn\u00fc azalda bil\u0259r. Bu, h\u0259m sahibkar\u0131 iflasdan xilas ed\u0259r, h\u0259m d\u0259 bank\u0131n kapital\u0131n\u0131 qoruyar\u201d.<\/p>\n

Natiq \u018fl\u0259sg\u0259rov deyib ki, \u00fcmumiyy\u0259tl\u0259, beyn\u0259lxalq t\u0259cr\u00fcb\u0259 g\u00f6st\u0259rir ki, b\u00f6hran d\u00f6vr\u00fcnd\u0259 d\u00f6vl\u0259tl\u0259r borclar\u0131 tam silm\u0259k \u0259v\u0259zin\u0259, restrukturizasiya, subsidiyala\u015fd\u0131rma v\u0259 g\u00fcz\u0259\u015ftli kredit proqramlar\u0131 il\u0259 problemi h\u0259ll edirl\u0259r:<\/strong>\u00a0\u201cAz\u0259rbaycanda da \u0259n optimal yol budur. \u018flav\u0259 olaraq, faiz d\u0259r\u0259c\u0259l\u0259rinin y\u00fcks\u0259kliyi m\u0259s\u0259l\u0259si x\u00fcsusi vur\u011fulanmal\u0131d\u0131r. Az\u0259rbaycanda istehlak kreditl\u0259ri \u00fczr\u0259 orta faiz 20-d\u0259n yuxar\u0131d\u0131r. Halbuki, inki\u015faf etmi\u015f \u00f6lk\u0259l\u0259rd\u0259 bu g\u00f6st\u0259rici 5-7 faiz aras\u0131nda d\u0259yi\u015fir. Faizl\u0259rin y\u00fcks\u0259k olmas\u0131 h\u0259m d\u0259 m\u0259hz bu icra olunmayan q\u0259rarlarla ba\u011fl\u0131d\u0131r. Bank riskl\u0259ri \u00e7ox oldu\u011funa g\u00f6r\u0259, faizl\u0259ri qald\u0131r\u0131r. Ona g\u00f6r\u0259 d\u0259 problem\u0259 sistemli yana\u015fmaq, h\u0259m icra mexanizml\u0259rini g\u00fccl\u0259ndirm\u0259k, h\u0259m d\u0259 maliyy\u0259 bazar\u0131n\u0131n \u015f\u0259ffafl\u0131\u011f\u0131n\u0131 art\u0131rmaq laz\u0131md\u0131r. \u0130ndiki halda borclar\u0131n tam silinm\u0259si qism\u0259n m\u00fcmk\u00fcnd\u00fcr. Daha effektiv yol\u00a0 restrukturizasiya v\u0259 g\u00fcz\u0259\u015ftli mexanizml\u0259rin t\u0259tbiqidir. Bu h\u0259m bank sektorunu qoruyar, h\u0259m d\u0259 v\u0259t\u0259nda\u015flar\u0131n maliyy\u0259 y\u00fck\u00fcn\u00fc azaldar. \u018fks halda, problem b\u00f6y\u00fcy\u0259r\u0259k davam ed\u0259c\u0259k v\u0259 yeni sosial g\u0259rginlikl\u0259r yaradacaq\u201d.<\/p>\n

Natiq \u018fl\u0259sg\u0259rov deyib ki, kreditl\u0259rl\u0259 ba\u011fl\u0131 340 min m\u0259hk\u0259m\u0259 q\u0259rar\u0131n\u0131n icra olunmamas\u0131 t\u0259kc\u0259 bank sektorunun yox, h\u0259m d\u0259 b\u00fct\u00f6vl\u00fckd\u0259 m\u0259hk\u0259m\u0259-h\u00fcquq sisteminin, icra institutunun v\u0259 iqtisadi m\u00fchitin b\u00f6hran\u0131n\u0131 ortaya qoyur:<\/strong>\u00a0\u201c\u00c7\u00fcnki m\u0259hk\u0259m\u0259 q\u0259rar\u0131 h\u00fcquqi d\u00f6vl\u0259tin t\u0259m\u0259l s\u00fctunudur. \u018fg\u0259r h\u0259min q\u0259rarlar icra olunmursa, dem\u0259li, m\u0259hk\u0259m\u0259nin h\u00f6km\u00fc ka\u011f\u0131z \u00fcz\u0259rind\u0259 qal\u0131r v\u0259 n\u0259tic\u0259d\u0259 c\u0259miyy\u0259tin d\u00f6vl\u0259t\u0259 inam\u0131 sars\u0131l\u0131r. Bu borclar\u0131n \u00f6d\u0259nilm\u0259m\u0259si t\u0259kc\u0259 v\u0259t\u0259nda\u015f\u0131n m\u0259suliyy\u0259tsizliyind\u0259n qaynaqlanm\u0131r. Burada banklar\u0131n kredit siyas\u0259ti d\u0259 \u0259sas faktordur. Bank v\u0259 ya kredit t\u0259\u015fkilat\u0131 kredit ver\u0259nd\u0259 borcalan\u0131n g\u0259lirini, \u00f6d\u0259ni\u015f qabiliyy\u0259tini, sosial v\u0259ziyy\u0259tini bilir. Amma yen\u0259 d\u0259 h\u0259min kreditl\u0259ri verir. \u0130ndi is\u0259 m\u0259lum olur ki, borclar\u0131n b\u00f6y\u00fck qismi he\u00e7 vaxt qaytar\u0131lmayacaq. Bu halda banklar da m\u0259suliyy\u0259t da\u015f\u0131y\u0131r. Borclar\u0131n silinm\u0259si m\u0259s\u0259l\u0259si h\u00fcquqi bax\u0131mdan m\u00fcmk\u00fcnd\u00fcr. D\u00f6vl\u0259t m\u00fc\u0259yy\u0259n q\u0259rarla v\u0259 ya qanunla bu borclar\u0131 sil\u0259 bil\u0259r. D\u00fcnyada presedentl\u0259r var, m\u00fc\u0259yy\u0259n b\u00f6hran d\u00f6vrl\u0259rind\u0259 d\u00f6vl\u0259tl\u0259r bank borclar\u0131n\u0131 silib, ya da restrukturizasiya edib. Az\u0259rbaycanda da bu, prinsipc\u0259 m\u00fcmk\u00fcnd\u00fcr. Amma bunun \u00fc\u00e7\u00fcn siyasi q\u0259rar laz\u0131md\u0131r\u201d.<\/p>\n

Natiq \u018fl\u0259sg\u0259rovun fikrinc\u0259, bank borclar\u0131n\u0131 silinm\u0259si, ya da restrukturizasiyas\u0131n\u0131n h\u00fcquqi mexanizmi sad\u0259dir:<\/strong>\u00a0\u201cBunun \u00fc\u00e7\u00fcn qanunverici borclar\u0131n silinm\u0259sini, restrukturizasiyas\u0131n\u0131 v\u0259 ya m\u00fc\u0259yy\u0259n hiss\u0259sinin d\u00f6vl\u0259t\u00a0 t\u0259r\u0259find\u0259n kompensasiya olunmas\u0131n\u0131 t\u0259sbit edir. Amma burada da m\u0259yy\u0259n \u00e7\u0259tinlikl\u0259 ya\u015fana bil\u0259r. \u00c7\u00fcnki b\u00fct\u00fcn borclar eyni deyil. Orada adi v\u0259t\u0259nda\u015f\u0131n g\u00fcnd\u0259lik dolan\u0131\u015f\u0131q \u00fc\u00e7\u00fcn g\u00f6t\u00fcrd\u00fcy\u00fc kredit d\u0259 var, i\u015f adam\u0131n\u0131n biznesi \u00fc\u00e7\u00fcn g\u00f6t\u00fcrd\u00fcy\u00fc b\u00f6y\u00fck m\u0259bl\u0259\u011f d\u0259, lombarddan al\u0131nm\u0131\u015f s\u0259l\u0259m pulu da. Ona g\u00f6r\u0259 d\u0259 bir q\u0259rarla ham\u0131n\u0131n borcunu silm\u0259k \u0259dal\u0259tli olmaz. \u018fn yax\u015f\u0131 halda, sosial v\u0259ziyy\u0259ti a\u011f\u0131r olan, azt\u0259minatl\u0131 ail\u0259l\u0259rin kreditl\u0259ri silin\u0259 bil\u0259r. Sahibkarlar\u0131n is\u0259 borclar\u0131 restrukturizasiya edil\u0259 bil\u0259r\u201d.<\/p>\n

Natiq \u018fl\u0259sg\u0259rov deyib ki, Az\u0259rbaycan m\u0259hk\u0259m\u0259-h\u00fcquq sisteminin \u0259n yaral\u0131 yeri m\u0259hk\u0259m\u0259 q\u0259rarlar\u0131n\u0131n icras\u0131d\u0131r:<\/strong>\u00a0\u201cAz\u0259rbaycanda icra sistemi problemi \u00e7ox k\u0259skindir v\u0259 h\u0259ll edilm\u0259lidir. \u018fg\u0259r icra m\u0259murunun maa\u015f\u0131 500-600 manatd\u0131rsa, o, milyonlarla manatl\u0131q q\u0259rar\u0131 nec\u0259 icra etsin? O sistemd\u0259 h\u0259m korrupsiya, h\u0259m d\u0259 f\u0259aliyy\u0259tsizlik var. Borc sah\u0259sind\u0259 b\u00f6hran\u0131n bu q\u0259d\u0259r d\u0259rinl\u0259\u015fm\u0259sinin s\u0259b\u0259bi d\u0259 el\u0259 icra institutunun k\u0259skin \u015f\u0259kild\u0259 z\u0259ifliyidir. Banklar\u0131n faiz d\u0259r\u0259c\u0259l\u0259rinin y\u00fcks\u0259kliyi d\u0259 problemin k\u00f6k\u00fcnd\u0259 dayan\u0131r. Az\u0259rbaycanda bank faizl\u0259ri 20-25 \u00fcz\u0259rind\u0259dir.\u00a0 Bu q\u0259d\u0259r y\u00fcks\u0259k faizl\u0259 kredit verils\u0259, onu qaytarmaq dem\u0259k olar ki, m\u00fcmk\u00fcn deyil. Borcun silinm\u0259si m\u0259s\u0259l\u0259si m\u00fczakir\u0259 olunur, amma g\u0259l\u0259c\u0259kd\u0259 eyni problemin t\u0259krar ya\u015fanmamas\u0131 \u00fc\u00e7\u00fcn faiz siyas\u0259ti d\u0259 d\u0259yi\u015fm\u0259lidir. Haz\u0131rki durumda icra olunmayan borclar\u0131n b\u00f6y\u00fck qismi he\u00e7 vaxt \u00f6d\u0259nilm\u0259y\u0259c\u0259k. D\u00f6vl\u0259t sosial \u0259dal\u0259ti t\u0259min etm\u0259k \u00fc\u00e7\u00fcn m\u00fc\u0259yy\u0259n hiss\u0259sini silm\u0259li, qalan hiss\u0259si is\u0259 restrukturizasiya edilm\u0259li, uzunm\u00fcdd\u0259tli v\u0259 a\u015fa\u011f\u0131 faizl\u0259 yenid\u0259n hesablanmal\u0131d\u0131r. \u018fn \u0259sas\u0131 is\u0259 icra sistemi v\u0259 bank siyas\u0259ti k\u00f6kl\u00fc islahatlara m\u0259ruz qalmal\u0131d\u0131r. \u018fks halda, bu g\u00fcn 340 min olan icra olunmayan m\u0259hk\u0259m\u0259 q\u0259rarlar\u0131n\u0131n say\u0131 sabah 500 min olacaq\u201d.<\/p>\n

E.M\u018fMM\u018fD\u018fL\u0130YEV,
\n\u201cYeni M\u00fcsavat\u201d<\/strong><\/p>\n<\/div>\n

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Komit\u0259 s\u0259drind\u0259n icra edilm\u0259y\u0259n q\u0259rarlarla ba\u011fl\u0131 \u00e7a\u011f\u0131r\u0131\u015f: \u201cBank v\u0259t\u0259nda\u015f\u0131n durumunu bilirdi, krediti ver\u0259nd\u0259 geri qay\u0131tmayaca\u011f\u0131n\u0131 bilm\u0259li idi\u201d; m\u00fct\u0259x\u0259ssisl\u0259rd\u0259n t\u0259klifl\u0259r Milli M\u0259clisin \u0130nsan h\u00fcquqlar\u0131 komit\u0259sinin s\u0259dri Zahid Oruc m\u0259hk\u0259m\u0259 q\u0259rarlar\u0131 il\u0259 ba\u011fl\u0131 maraql\u0131 faktlar a\u00e7\u0131qlay\u0131b. Deputat bildirib ki, Az\u0259rbaycanda v\u0259t\u0259nda\u015flar\u0131n banklara borcunu qaytarmamas\u0131na g\u00f6r\u0259 340 min\u0259 yax\u0131n m\u0259hk\u0259m\u0259 q\u0259rar\u0131 icra edilm\u0259yib: \u201cHaz\u0131rda icra olunmayan m\u0259hk\u0259m\u0259 q\u0259rarlar\u0131n\u0131n \u0259ks\u0259riyy\u0259ti borc m\u0259s\u0259l\u0259l\u0259ril\u0259 ba\u011fl\u0131d\u0131r. 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