{"id":831874,"date":"2025-10-25T17:29:35","date_gmt":"2025-10-25T13:29:35","guid":{"rendered":"https:\/\/arantv.az\/?p=831874"},"modified":"2025-10-25T17:29:35","modified_gmt":"2025-10-25T13:29:35","slug":"gecikmis-kreditl%c9%99rin-m%c9%99bl%c9%99gind%c9%99-rekord-bagislamaq-olarmi","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=831874","title":{"rendered":"Gecikmi\u015f kreditl\u0259rin m\u0259bl\u0259\u011find\u0259 rekord &#8211; Ba\u011f\u0131\u015flamaq olarm\u0131?"},"content":{"rendered":"<div class=\"text-content\" data-id=\"\" data-url=\"\">\n<h3><strong>Son 5 ild\u0259 \u0259halinin \u00f6d\u0259m\u0259 vaxt\u0131 ke\u00e7mi\u015f borclar\u0131n\u0131n h\u0259cmi d\u0259yi\u015fib; iqtisad\u00e7\u0131 s\u0259rt q\u0259rarlar\u0131n t\u0259tbiqini t\u0259klif edir<\/strong><\/h3>\n<p><strong>Son 5 ild\u0259 \u00f6d\u0259m\u0259 vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rin h\u0259cmi m\u00fcxt\u0259lif istiqam\u0259tl\u0259rd\u0259 d\u0259yi\u015fib. Valyuta.az x\u0259b\u0259r verir ki, 2025-ci il sentyabr\u0131n 1-i v\u0259ziyy\u0259tin\u0259 g\u00f6r\u0259, gecikmi\u015f kreditl\u0259rin \u00fcmumi m\u0259bl\u0259\u011fi 530,9 milyon manat t\u0259\u015fkil edib. Bu, \u00f6t\u0259n ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 57,8 milyon manat v\u0259 ya 12,21% art\u0131m dem\u0259kdir. 2024-c\u00fc ild\u0259 gecikmi\u015f kreditl\u0259rin h\u0259cmi 473,1 milyon manat olub ki, bu da 2023-c\u00fc ilin 534,3 milyon manatl\u0131q g\u00f6st\u0259ricisind\u0259n 61,2 milyon manat v\u0259 ya 11,45% az dem\u0259kdir. Y\u0259ni h\u0259min il \u0259rzind\u0259 problemli kreditl\u0259rd\u0259 azalma qeyd\u0259 al\u0131nm\u0131\u015fd\u0131.<\/strong><\/p>\n<p>2023-c\u00fc ild\u0259 bu g\u00f6st\u0259rici 534,3 milyon manat s\u0259viyy\u0259sind\u0259 olub. 2022-ci ild\u0259ki 659,66 milyon manatla m\u00fcqayis\u0259d\u0259 is\u0259 125,36 milyon manat v\u0259 ya 19% azalma ba\u015f verib. Daha \u0259vv\u0259l, 2022-ci ild\u0259ki 659,66 milyon manatl\u0131q g\u00f6st\u0259rici 2021-ci ild\u0259ki 904,2 milyon manatla m\u00fcqayis\u0259d\u0259 244,54 milyon manat v\u0259 ya 27,04% az idi.<\/p>\n<p>Bundan \u0259vv\u0259l, 2021-ci ild\u0259 \u00f6d\u0259m\u0259 vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rin h\u0259cmi 904,2 milyon manat t\u0259\u015fkil etmi\u015fdi. 2020-ci ild\u0259 is\u0259 bu r\u0259q\u0259m 1 milyard 65,4 milyon manat olub. Bel\u0259likl\u0259, 2021-ci ild\u0259 bir il \u0259rzind\u0259 161,2 milyon manat v\u0259 ya 15,13% azalma m\u00fc\u015fahid\u0259 edilib.<\/p>\n<p>Y\u0259ni \u00fcmumilikd\u0259 2020-2024-c\u00fc ill\u0259r aras\u0131nda problemli kreditl\u0259rin h\u0259cmi 1 milyard 65 milyon manatdan 473 milyon manata q\u0259d\u0259r azal\u0131b, yaln\u0131z 2025-ci ild\u0259 yenid\u0259n art\u0131m tendensiyas\u0131 m\u00fc\u015fahid\u0259 olunma\u011fa ba\u015flay\u0131b.<\/p>\n<p><strong>B\u0259s problemli kreditl\u0259rin ba\u011f\u0131\u015flanmas\u0131 m\u00fcmk\u00fcnd\u00fcrm\u00fc?<\/strong><\/p>\n<p><strong><img src=\"https:\/\/azxeber.com\/file\/pic\/xeber\/2025-08\/1756387785_whatsapp-image-2025-08-28-at-16.26.47.jpeg\" alt=\"Eld\u0259niz \u018fmirov: Turizm sektorunda xidm\u0259t s\u0259viyy\u0259sinin y\u00fcks\u0259ldilm\u0259si bazar  t\u0259r\u0259find\u0259n t\u0259nziml\u0259nir \u00bb Azxeber.com Az\u0259rbaycanda \u00f6z\u0259l x\u0259b\u0259rl\u0259r,  ara\u015fd\u0131rmalar, t\u0259hlill\u0259r v\u0259 m\u00fcsahib\u0259l\u0259rin t\u0259k \u00fcnvan\u0131\" \/><\/strong><\/p>\n<p><strong>Eld\u0259niz \u018fmirov\u00a0<\/strong><\/p>\n<p>\u0130qtisad\u00e7\u0131 Eld\u0259niz \u018fmirov \u201cYeni M\u00fcsavat\u201da qeyd edib ki, haz\u0131rda M\u0259rk\u0259zi Bank\u0131n hesabatlar\u0131nda g\u00f6st\u0259ril\u0259nl\u0259r\u0259 \u0259sas\u0259n, kredit portfeli v\u0259 bu portfel daxilind\u0259 problemli kreditl\u0259rin \u00e7\u0259kisi qorxulu s\u0259viyy\u0259d\u0259 deyil: \u201cM\u0259rk\u0259zi Bank\u0131n x\u00fcsusi statistik platformas\u0131nda qeyd olunur ki, 2025-ci ilin avqust ay\u0131n\u0131n sonuna, y\u0259ni sentyabr\u0131n \u0259vv\u0259lin\u0259 kredit portfelinin h\u0259cmi t\u0259xmin\u0259n 28,7 milyard manat olub. Bu m\u0259bl\u0259\u011fin c\u0259mi 1,7 faizi vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rdir. Y\u0259ni art\u0131m dinamikas\u0131 m\u00fc\u015fahid\u0259 olunsa da, bu g\u00f6st\u0259rici son aylarda 2 faizlik h\u0259ddi ke\u00e7m\u0259yib. Beyn\u0259lxalq t\u0259cr\u00fcb\u0259y\u0259 \u0259sas\u0259n, problemli kreditl\u0259rin pay\u0131 5 faizi ke\u00e7\u0259rs\u0259, bu, art\u0131q narahatedici v\u0259ziyy\u0259tin formala\u015fd\u0131\u011f\u0131n\u0131 g\u00f6st\u0259rir. Ba\u015fqa s\u00f6zl\u0259, \u0259g\u0259r h\u0259r 100 manatl\u0131q kreditin 5 manat\u0131 geri qaytar\u0131lm\u0131rsa, bu, ciddi risk siqnal\u0131d\u0131r. Haz\u0131rda is\u0259 Az\u0259rbaycanda h\u0259r 100 manat\u0131n c\u0259mi 1,7-1,8 manat\u0131, b\u0259z\u0259n is\u0259 1,5 manat\u0131 problemli kredit kimi qeyd\u0259 al\u0131n\u0131r\u201d.<\/p>\n<p>\u0130qtisad\u00e7\u0131 h\u0259m\u00e7inin bildirib ki, bir ne\u00e7\u0259 il \u0259vv\u0259l bu m\u0259s\u0259l\u0259 il\u0259 ba\u011fl\u0131 v\u0259ziyy\u0259t xeyli f\u0259rqli idi: \u201cUzun m\u00fcdd\u0259t \u0259rzind\u0259 problemli kreditl\u0259rin pay\u0131 \u00fcmumi kredit portfelinin 10 faizind\u0259n yuxar\u0131 olub. M\u0259s\u0259l\u0259n, 2023-c\u00fc ild\u0259 20 milyard manatl\u0131q kredit portfeli oldu\u011fu halda, t\u0259xmin\u0259n 600 milyon manat problemli kredit qeyd\u0259 al\u0131nm\u0131\u015fd\u0131. 2020-ci ild\u0259 is\u0259 15 milyard manatl\u0131q portfelin 1,3 milyard manat\u0131 problemli kreditl\u0259rd\u0259n ibar\u0259t idi, y\u0259ni 10 faiz\u0259 yax\u0131n. \u00dcmumiyy\u0259tl\u0259, \u0259n ac\u0131nacaql\u0131 d\u00f6vr 2018-ci ilin iyul ay\u0131na t\u0259sad\u00fcf edib. H\u0259min vaxt problemli kreditl\u0259rin s\u0259viyy\u0259si 15 faiz\u0259 \u00e7atm\u0131\u015fd\u0131. Bu, o d\u00f6vrd\u0259ki 12 milyard manatl\u0131q kredit portfelinin 1,8 milyard manat\u0131n\u0131n geri qaytar\u0131la bilm\u0259diyi anlam\u0131na g\u0259lirdi. Y\u0259ni h\u0259r 100 manat\u0131n 18 manat\u0131 problemli idi. Bug\u00fcnk\u00fc g\u00f6st\u0259ricil\u0259rl\u0259 m\u00fcqayis\u0259d\u0259 bu, olduqca y\u00fcks\u0259k r\u0259q\u0259mdir.<\/p>\n<p><strong>B\u0259s haz\u0131rk\u0131 v\u0259ziyy\u0259t arzuolunand\u0131rm\u0131? \u018flb\u0259tt\u0259, xeyr. Problemli kreditl\u0259rin pay\u0131n\u0131n 2 faiz olmas\u0131 yax\u015f\u0131 g\u00f6st\u0259rici say\u0131lsa da, ideal hal deyil. Analizl\u0259r g\u00f6st\u0259rir ki, problemli kreditl\u0259rin \u0259sas hiss\u0259sini istehlak kreditl\u0259ri t\u0259\u015fkil edir. Bu is\u0259 onu dem\u0259y\u0259 \u0259sas verir ki, g\u0259l\u0259c\u0259kd\u0259 bu g\u00f6st\u0259rici artsa, ilk n\u00f6vb\u0259d\u0259 diqq\u0259t m\u0259hz istehlak kreditl\u0259rin\u0259 y\u00f6n\u0259lm\u0259lidir&#8221;.<\/strong><\/p>\n<p>\u0130qtisad\u00e7\u0131n\u0131n fikrinc\u0259, bu n\u00f6v kreditl\u0259rin verilm\u0259 \u015f\u0259rtl\u0259rin\u0259 yenid\u0259n bax\u0131lmas\u0131, y\u0259ni m\u00fc\u0259yy\u0259n s\u0259rtl\u0259\u015fdirm\u0259l\u0259rin t\u0259tbiqi m\u0259qs\u0259d\u0259uy\u011fun olard\u0131.<\/p>\n<p><strong>Xalid\u0259 G\u018fRAY,<br \/>\n\u201cYeni M\u00fcsavat\u201d<\/strong><\/p>\n<p>&nbsp;<\/p>\n<\/div>\n<div><\/div>\n<div><\/div>\n<div class=\"inner-social-box\">\n<div class=\"subs-in-social subs-whatsapp\"><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Son 5 ild\u0259 \u0259halinin \u00f6d\u0259m\u0259 vaxt\u0131 ke\u00e7mi\u015f borclar\u0131n\u0131n h\u0259cmi d\u0259yi\u015fib; iqtisad\u00e7\u0131 s\u0259rt q\u0259rarlar\u0131n t\u0259tbiqini t\u0259klif edir Son 5 ild\u0259 \u00f6d\u0259m\u0259 vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rin h\u0259cmi m\u00fcxt\u0259lif istiqam\u0259tl\u0259rd\u0259 d\u0259yi\u015fib. Valyuta.az x\u0259b\u0259r verir ki, 2025-ci il sentyabr\u0131n 1-i v\u0259ziyy\u0259tin\u0259 g\u00f6r\u0259, gecikmi\u015f kreditl\u0259rin \u00fcmumi m\u0259bl\u0259\u011fi 530,9 milyon manat t\u0259\u015fkil edib. Bu, \u00f6t\u0259n ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 57,8 milyon manat v\u0259 ya 12,21% art\u0131m dem\u0259kdir. 2024-c\u00fc ild\u0259 gecikmi\u015f kreditl\u0259rin h\u0259cmi 473,1 milyon manat olub ki, bu da 2023-c\u00fc ilin 534,3 milyon manatl\u0131q g\u00f6st\u0259ricisind\u0259n 61,2 milyon manat v\u0259 ya 11,45% az dem\u0259kdir. Y\u0259ni h\u0259min il&hellip;<\/p>\n","protected":false},"author":2,"featured_media":831875,"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\/10\/c8d507c884346b3da80f24e212a5a4a9.jpg",870,500,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/10\/c8d507c884346b3da80f24e212a5a4a9.jpg",870,500,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/10\/c8d507c884346b3da80f24e212a5a4a9.jpg",870,500,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/10\/c8d507c884346b3da80f24e212a5a4a9-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/10\/c8d507c884346b3da80f24e212a5a4a9-635x365.jpg",635,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/10\/c8d507c884346b3da80f24e212a5a4a9-840x483.jpg",640,368,true],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/10\/c8d507c884346b3da80f24e212a5a4a9.jpg",870,500,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/10\/c8d507c884346b3da80f24e212a5a4a9.jpg",870,500,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/10\/c8d507c884346b3da80f24e212a5a4a9-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/10\/c8d507c884346b3da80f24e212a5a4a9.jpg",870,500,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=19\" rel=\"category\">G\u00fcnd\u0259m<\/a>","rttpg_excerpt":"Son 5 ild\u0259 \u0259halinin \u00f6d\u0259m\u0259 vaxt\u0131 ke\u00e7mi\u015f borclar\u0131n\u0131n h\u0259cmi d\u0259yi\u015fib; iqtisad\u00e7\u0131 s\u0259rt q\u0259rarlar\u0131n t\u0259tbiqini t\u0259klif edir Son 5 ild\u0259 \u00f6d\u0259m\u0259 vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rin h\u0259cmi m\u00fcxt\u0259lif istiqam\u0259tl\u0259rd\u0259 d\u0259yi\u015fib. Valyuta.az x\u0259b\u0259r verir ki, 2025-ci il sentyabr\u0131n 1-i v\u0259ziyy\u0259tin\u0259 g\u00f6r\u0259, gecikmi\u015f kreditl\u0259rin \u00fcmumi m\u0259bl\u0259\u011fi 530,9 milyon manat t\u0259\u015fkil edib. Bu, \u00f6t\u0259n ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 57,8 milyon&hellip;","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/831874"}],"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=831874"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/831874\/revisions"}],"predecessor-version":[{"id":831876,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/831874\/revisions\/831876"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/831875"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=831874"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=831874"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=831874"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}