{"id":835051,"date":"2025-11-22T13:20:55","date_gmt":"2025-11-22T09:20:55","guid":{"rendered":"https:\/\/arantv.az\/?p=835051"},"modified":"2025-11-22T13:20:55","modified_gmt":"2025-11-22T09:20:55","slug":"kreditl%c9%99-yasayan-oxuyan-t%c9%99l%c9%99b%c9%99l%c9%99r-fondun-faydasi-varmi","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=835051","title":{"rendered":"Kreditl\u0259 ya\u015fayan, oxuyan t\u0259l\u0259b\u0259l\u0259r – fondun faydas\u0131 varm\u0131?"},"content":{"rendered":"
\n

T\u0259l\u0259b\u0259l\u0259r t\u0259hsil kreditl\u0259rind\u0259n \u00f6lk\u0259nin b\u00fct\u00fcn iqtisadi rayonlar\u0131 \u00fczr\u0259 yararlan\u0131rlar. \u00dcmumi g\u00f6st\u0259ricil\u0259r\u0259 \u0259sas\u0259n, \u0259n \u00e7ox kreditd\u0259n yararlanma Bak\u0131 iqtisadi rayonu \u00fczr\u0259 qeyd\u0259 al\u0131n\u0131b.\u00a0<\/strong><\/p>\n

Bu bar\u0259d\u0259 Modern.az-\u0131n sor\u011fusuna cavab olaraq T\u0259hsil T\u0259l\u0259b\u0259 Kredit Fondundan m\u0259lumat verilib.<\/p>\n

Bildirilib ki, bu iqtisadi rayon \u00fczr\u0259 indiy\u0259d\u0259k 16 mind\u0259n \u00e7ox t\u0259l\u0259b\u0259 krediti m\u00fcqavil\u0259si r\u0259smil\u0259\u015fdirilib. Fonddan veril\u0259n m\u0259lumata g\u00f6r\u0259, b\u00f6lg\u0259l\u0259r \u00fczr\u0259 t\u0259hlil g\u00f6st\u0259rir ki, Bak\u0131dan sonra \u0259n y\u00fcks\u0259k yararlanma g\u00f6st\u0259ricisi L\u0259nk\u0259ran-Astara iqtisadi rayonu \u00fczr\u0259dir.<\/p>\n

\u201cBu iqtisadi rayondan olan t\u0259l\u0259b\u0259l\u0259r t\u0259r\u0259find\u0259n 8 min\u0259 yax\u0131n kredit m\u00fcqavil\u0259si r\u0259smil\u0259\u015fdirilib. N\u00f6vb\u0259ti \u0259n y\u00fcks\u0259k g\u00f6st\u0259ricil\u0259r is\u0259 G\u0259nc\u0259-Da\u015fk\u0259s\u0259n v\u0259 M\u0259rk\u0259zi Aran iqtisadi rayonlar\u0131na m\u0259xsusdur. H\u0259r iki iqtisadi rayonda 5 mind\u0259n \u00e7ox t\u0259hsil kreditinin r\u0259smil\u0259\u015fdiyi m\u00fc\u015fahid\u0259 olunur\u201d,- m\u0259lumatda deyilir.<\/p>\n

Qeyd ed\u0259k ki, bu m\u00fcdd\u0259t \u0259rzind\u0259 s\u00f6z\u00fcged\u0259n fonda m\u0259xsus elektron portala 84 mind\u0259n \u00e7ox m\u00fcraci\u0259t daxil olub, onlardan 68 mind\u0259n \u00e7oxu \u00fczr\u0259 t\u0259hsil t\u0259l\u0259b\u0259 krediti m\u00fcqavil\u0259sinin r\u0259smil\u0259\u015fdirilm\u0259si h\u0259yata ke\u00e7irilib.<\/strong><\/p>\n

Lakin T\u0259hsil T\u0259l\u0259b\u0259 Krediti Fondu (TTKF) haqq\u0131nda Hesablama Palatas\u0131n\u0131n 2025-ci ilin I r\u00fcb\u00fc \u00fczr\u0259 apard\u0131\u011f\u0131 s\u0259m\u0259r\u0259lilik auditinin n\u0259tic\u0259l\u0259ri ali t\u0259hsilin maliyy\u0259l\u0259\u015fdirilm\u0259si sah\u0259sind\u0259 ciddi sistem probleml\u0259rinin v\u0259 idar\u0259etm\u0259 \u00e7at\u0131\u015fmazl\u0131qlar\u0131n\u0131n oldu\u011funu bir daha t\u0259sdiql\u0259yir. Audit n\u0259tic\u0259l\u0259ri t\u0259kc\u0259 texniki v\u0259 h\u00fcquqi uy\u011funsuzluqlar\u0131 deyil, h\u0259m d\u0259 d\u00f6vl\u0259t v\u0259saitl\u0259rinin t\u0259yinat\u0131 \u00fczr\u0259 x\u0259rcl\u0259nm\u0259m\u0259si, m\u0259qs\u0259dli sosial siyas\u0259tin h\u0259yata ke\u00e7irilm\u0259m\u0259si v\u0259 g\u0259l\u0259c\u0259kd\u0259 t\u0259krar olunacaq maliyy\u0259 riskl\u0259ri il\u0259 ba\u011fl\u0131 ciddi x\u0259b\u0259rdarl\u0131qd\u0131r. Bundan \u0259lav\u0259, auditin a\u015fkarlad\u0131\u011f\u0131 32 t\u0259l\u0259b\u0259nin normadan a\u015fa\u011f\u0131 n\u0259tic\u0259 il\u0259 standart kredit almas\u0131, v\u0259saitl\u0259rin qanunsuz istifad\u0259si v\u0259 h\u00fcquqi aktlar\u0131n pozulmas\u0131 dem\u0259kdir.<\/p>\n

Amma bu kreditl\u0259rin g\u0259l\u0259c\u0259kd\u0259 geri qaytar\u0131lmas\u0131na dair riskl\u0259rin n\u0259z\u0259r\u0259 al\u0131nmamas\u0131, kredit siyas\u0259tinin iqtisadi dayan\u0131ql\u0131l\u0131\u011f\u0131n\u0131 sual alt\u0131na al\u0131r.<\/p>\n

B\u0259s t\u0259hsil eksperti nec\u0259 d\u00fc\u015f\u00fcn\u00fcr, bu fondun f\u0259aliyy\u0259ti faydal\u0131d\u0131rm\u0131? T\u0259l\u0259b\u0259l\u0259r\u0259 kredit ayr\u0131lmas\u0131nda \u015f\u0259ffafl\u0131q t\u0259min olunurmu? \u00dcmumiyy\u0259tl\u0259, t\u0259l\u0259b\u0259l\u0259rin krediti qaytarmamaq riskl\u0259ri n\u0259 d\u0259r\u0259c\u0259d\u0259dir?<\/p>\n

\"Kamran<\/p>\n

\u00a0Kamran \u018fs\u0259dov\u00a0<\/strong><\/p>\n

M\u00f6vzu il\u0259 ba\u011fl\u0131 t\u0259hsil ekpserti Kamran \u018fs\u0259dov \u201cYeni M\u00fcsavat\u201da dan\u0131\u015f\u0131b. Ekspert qeyd edib ki, \u201cT\u0259hsil t\u0259l\u0259b\u0259 krediti haqq\u0131nda\u201d qanunun 5-ci madd\u0259sind\u0259 kreditl\u0259rin verilm\u0259 \u015f\u0259rtl\u0259rinin b\u0259rab\u0259r imkanlara \u0259saslanmas\u0131, q\u0259rarlar\u0131n elektron sistem \u00fcz\u0259rind\u0259n verilm\u0259si v\u0259 sosial v\u0259ziyy\u0259t\u0259 dair meyarlar\u0131n a\u00e7\u0131q \u015f\u0259kild\u0259 m\u00fc\u0259yy\u0259n edilm\u0259si \u015f\u0259ffafl\u0131q v\u0259 \u0259dal\u0259t \u00fc\u00e7\u00fcn h\u00fcquqi baza yarad\u0131r. Qanunun 7-ci madd\u0259sind\u0259 g\u00f6st\u0259ril\u0259n \u201cg\u00fcz\u0259\u015ftli kredit modeli\u201d is\u0259 azt\u0259minatl\u0131 ail\u0259l\u0259rd\u0259n olan t\u0259l\u0259b\u0259l\u0259rin t\u0259hsil\u0259 \u00e7\u0131x\u0131\u015f\u0131n\u0131 t\u0259min ed\u0259n \u0259n m\u00fch\u00fcm mexanizmdir v\u0259 bu, beyn\u0259lxalq t\u0259cr\u00fcb\u0259d\u0259 yaln\u0131z inki\u015faf etmi\u015f \u00f6lk\u0259l\u0259rin t\u0259tbiq etdiyi sosial y\u00f6n\u00fcml\u00fc model\u0259 yax\u0131nd\u0131r. \u015e\u0259ffafl\u0131q bax\u0131m\u0131ndan \u00fcst\u00fcnl\u00fck ondad\u0131r ki, q\u0259rarlar insan m\u00fcdaxil\u0259si olmadan elektron alqoritm t\u0259r\u0259find\u0259n verilir v\u0259 b\u00fct\u00fcn g\u00f6st\u0259ricil\u0259r illik hesabatlarda ictimaiyy\u0259t\u0259 a\u00e7\u0131qlan\u0131r.<\/p>\n

Statistik m\u00fcqayis\u0259l\u0259r d\u00fcnya t\u0259cr\u00fcb\u0259si il\u0259 paralel apar\u0131ld\u0131qda Az\u0259rbaycan\u0131n v\u0259ziyy\u0259tinin bir s\u0131ra m\u0259qamlarda daha dayan\u0131ql\u0131 oldu\u011fu g\u00f6r\u00fcn\u00fcr. OECD \u00f6lk\u0259l\u0259rind\u0259 ali t\u0259hsil kreditl\u0259rind\u0259n yararlanma s\u0259viyy\u0259si \u00f6lk\u0259 \u00fczr\u0259 t\u0259l\u0259b\u0259l\u0259rin 40-70%-i aras\u0131nda d\u0259yi\u015fir, lakin geri qaytar\u0131lmama riski y\u00fcks\u0259kdir: AB\u015e-da \u201cdefault rate\u201d uzun ill\u0259r 10-12%, \u0130ngilt\u0259r\u0259d\u0259 g\u0259lir\u0259 ba\u011fl\u0131 mexanizm olmas\u0131na baxmayaraq 8% \u0259traf\u0131nda olub. G\u00fcrc\u00fcstanda t\u0259l\u0259b\u0259 kreditl\u0259rinin qaytar\u0131lmama riski 18%-\u0259 q\u0259d\u0259r y\u00fcks\u0259lib. Az\u0259rbaycan is\u0259 bu sah\u0259d\u0259 yeni sistem qurmas\u0131na baxmayaraq daha sabit g\u00f6st\u0259rici n\u00fcmayi\u015f etdirir: g\u00fcz\u0259\u015ftli kredit alan t\u0259l\u0259b\u0259l\u0259rin 83-85%-i m\u0259hz sosial h\u0259ssas kateqoriyan\u0131 t\u0259\u015fkil etdiyi \u00fc\u00e7\u00fcn d\u00f6vl\u0259t t\u0259r\u0259find\u0259n \u00f6d\u0259ni\u015fl\u0259rin bir hiss\u0259sinin kompensasiya edilm\u0259si portfel riskini a\u015fa\u011f\u0131 sal\u0131r. Bu model d\u00fcnya \u00f6lk\u0259l\u0259rin\u0259 nisb\u0259t\u0259n daha az riskli v\u0259 sosial y\u00f6n\u00fcml\u00fc mexanizm kimi g\u00f6r\u00fcn\u00fcr”.<\/p>\n

K.\u018fs\u0259dovun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, m\u00fcsb\u0259t t\u0259r\u0259fl\u0259rin \u0259n \u00f6n\u0259mlisi odur ki, Elm v\u0259 T\u0259hsil Nazirliyinin son ill\u0259r t\u0259hsilin maliyy\u0259 \u0259l\u00e7atanl\u0131\u011f\u0131 sah\u0259sind\u0259 t\u0259tbiq etdiyi bu model ali t\u0259hsilin k\u00fctl\u0259vil\u0259\u015fm\u0259sin\u0259 yeni imkanlar yarad\u0131b. \u201c2022-2024-c\u00fc ill\u0259r aras\u0131nda kredit alan t\u0259l\u0259b\u0259l\u0259rin say\u0131nda 2,3 d\u0259f\u0259 art\u0131m qeyd\u0259 al\u0131n\u0131b. Bu, d\u00fcnya \u00f6lk\u0259l\u0259ri il\u0259 m\u00fcqayis\u0259d\u0259 \u00e7ox y\u00fcks\u0259k dinamika hesab olunur; m\u0259s\u0259l\u0259n, T\u00fcrkiy\u0259d\u0259 son \u00fc\u00e7 ild\u0259 art\u0131m c\u0259mi 11%, G\u00fcrc\u00fcstanda is\u0259 8% olub. Bundan \u0259lav\u0259, kreditl\u0259rin geri \u00f6d\u0259ni\u015finin m\u0259zunlar\u0131n g\u0259lir s\u0259viyy\u0259sin\u0259 uy\u011funla\u015fd\u0131r\u0131lmas\u0131 istiqam\u0259tind\u0259 haz\u0131rlanan mexanizml\u0259r, \u0259slind\u0259, Avstraliya modelinin lokal adaptasiyas\u0131d\u0131r v\u0259 bu, kredit sisteminin uzunm\u00fcdd\u0259tli dayan\u0131ql\u0131l\u0131\u011f\u0131n\u0131 art\u0131racaq\u201d, – t\u0259hsil eksperti bildirib.<\/p>\n

Kamran \u018fs\u0259dovun fikrinc\u0259, m\u0259nfi t\u0259r\u0259f is\u0259 odur ki, sistem geni\u015fl\u0259ndikc\u0259 risk idar\u0259\u00e7iliyinin g\u00fccl\u0259ndirilm\u0259si z\u0259rur\u0259ti daha ayd\u0131n g\u00f6r\u00fcn\u00fcr:<\/strong>\u00a0\u201cX\u00fcsusil\u0259 d\u0259, ixtisas se\u00e7imi \u0259m\u0259k bazar\u0131n\u0131n t\u0259l\u0259bl\u0259rin\u0259 uy\u011fun olmayan t\u0259l\u0259b\u0259l\u0259r \u00fc\u00e7\u00fcn g\u0259l\u0259c\u0259kd\u0259 kreditl\u0259rin qaytar\u0131lmas\u0131 \u00e7\u0259tinl\u0259\u015f\u0259 bil\u0259r. Bu risk b\u00fct\u00fcn d\u00fcnyada m\u00f6vcuddur v\u0259 t\u0259kc\u0259 Az\u0259rbaycana aid deyil. AB\u015e-d\u0259 humanitar ixtisaslar \u00fczr\u0259 t\u0259hsil alanlar\u0131n kredit qaytarma riski STEM ixtisaslar\u0131na nisb\u0259t\u0259n 2,1 d\u0259f\u0259 \u00e7oxdur. Az\u0259rbaycanda is\u0259 son iki ild\u0259 STEM \u00fczr\u0259 kredit alan t\u0259l\u0259b\u0259l\u0259rin pay\u0131n\u0131n artmas\u0131 riskl\u0259rin \u00fcmumi portfel \u00fczr\u0259 azald\u0131lmas\u0131na m\u00fcsb\u0259t t\u0259sir g\u00f6st\u0259rir.<\/p>\n

D\u00fcnya t\u0259cr\u00fcb\u0259si il\u0259 m\u00fcqayis\u0259 g\u00f6st\u0259rir ki, Az\u0259rbaycan modeli daha sosial y\u00f6n\u00fcml\u00fc v\u0259 risk bax\u0131m\u0131ndan daha dayan\u0131ql\u0131d\u0131r. AB\u015e v\u0259 \u0130ngilt\u0259r\u0259d\u0259 t\u0259l\u0259b\u0259 kreditl\u0259rinin \u00fcmumi portfeli b\u00fcdc\u0259l\u0259r\u0259 ciddi y\u00fck yarad\u0131r, halbuki Az\u0259rbaycanda kreditl\u0259rin b\u00f6y\u00fck hiss\u0259sinin sosial t\u0259b\u0259q\u0259l\u0259r\u0259 y\u00f6n\u0259ldilm\u0259si v\u0259 d\u00f6vl\u0259t t\u0259minat\u0131 sistemin maliyy\u0259 sabitliyini qoruyur. Geri qaytar\u0131lmama riski inki\u015faf etmi\u015f \u00f6lk\u0259l\u0259rd\u0259 10%-d\u0259n yuxar\u0131 qalxd\u0131\u011f\u0131 halda, Az\u0259rbaycan h\u0259l\u0259lik bu h\u0259dd\u0259 \u00e7atm\u0131r v\u0259 mexanizml\u0259r d\u00fczg\u00fcn t\u0259tbiq olunarsa, riskl\u0259rin 5-6% s\u0259viyy\u0259sind\u0259 saxlan\u0131lmas\u0131 real g\u00f6r\u00fcn\u00fcr”.<\/p>\n

Xalid\u0259 G\u018fRAY,
\n\u201cYeni M\u00fcsavat\u201d<\/strong><\/p>\n<\/div>\n

<\/div>\n
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T\u0259l\u0259b\u0259l\u0259r t\u0259hsil kreditl\u0259rind\u0259n \u00f6lk\u0259nin b\u00fct\u00fcn iqtisadi rayonlar\u0131 \u00fczr\u0259 yararlan\u0131rlar. \u00dcmumi g\u00f6st\u0259ricil\u0259r\u0259 \u0259sas\u0259n, \u0259n \u00e7ox kreditd\u0259n yararlanma Bak\u0131 iqtisadi rayonu \u00fczr\u0259 qeyd\u0259 al\u0131n\u0131b.\u00a0 Bu bar\u0259d\u0259 Modern.az-\u0131n sor\u011fusuna cavab olaraq T\u0259hsil T\u0259l\u0259b\u0259 Kredit Fondundan m\u0259lumat verilib. Bildirilib ki, bu iqtisadi rayon \u00fczr\u0259 indiy\u0259d\u0259k 16 mind\u0259n \u00e7ox t\u0259l\u0259b\u0259 krediti m\u00fcqavil\u0259si r\u0259smil\u0259\u015fdirilib. Fonddan veril\u0259n m\u0259lumata g\u00f6r\u0259, b\u00f6lg\u0259l\u0259r \u00fczr\u0259 t\u0259hlil g\u00f6st\u0259rir ki, Bak\u0131dan sonra \u0259n y\u00fcks\u0259k yararlanma g\u00f6st\u0259ricisi L\u0259nk\u0259ran-Astara iqtisadi rayonu \u00fczr\u0259dir. \u201cBu iqtisadi rayondan olan t\u0259l\u0259b\u0259l\u0259r t\u0259r\u0259find\u0259n 8 min\u0259 yax\u0131n kredit m\u00fcqavil\u0259si r\u0259smil\u0259\u015fdirilib. 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Bildirilib ki, bu iqtisadi rayon \u00fczr\u0259 indiy\u0259d\u0259k 16 mind\u0259n \u00e7ox t\u0259l\u0259b\u0259 krediti m\u00fcqavil\u0259si r\u0259smil\u0259\u015fdirilib. 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