{"id":835383,"date":"2025-11-29T09:59:21","date_gmt":"2025-11-29T05:59:21","guid":{"rendered":"https:\/\/arantv.az\/?p=835383"},"modified":"2025-11-29T09:59:21","modified_gmt":"2025-11-29T05:59:21","slug":"olk%c9%99d%c9%99-problemli-kreditl%c9%99r-artir-s%c9%99b%c9%99b-n%c9%99dir","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=835383","title":{"rendered":"\u00d6lk\u0259d\u0259 problemli kreditl\u0259r ARTIR – S\u018fB\u018fB N\u018fD\u0130R?"},"content":{"rendered":"
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M\u0259rk\u0259zi Bank yeni r\u0259q\u0259ml\u0259ri a\u00e7\u0131qlad\u0131; deputat is\u0259 g\u00fcnah\u0131 v\u0259t\u0259nda\u015f\u0131n \u00f6d\u0259m\u0259 qabiliyy\u0259tini tam yoxlamadan kredit verilm\u0259sind\u0259 g\u00f6r\u00fcr – \u00e7a\u011f\u0131r\u0131\u015f<\/strong><\/h4>\n

Bu ilin yanvar-oktyabr aylar\u0131nda banklar 29 milyard 403.9 manat kredit qoyulu\u015fu realla\u015fd\u0131r\u0131b. Bu bar\u0259d\u0259 M\u0259rk\u0259zi Bank\u0131n yayd\u0131\u011f\u0131 m\u0259lumatda deyilir.<\/strong><\/p>\n

Qeyd olunur ki, kreditl\u0259rin 544,8 milyon manat\u0131n\u0131n vaxt\u0131 ke\u00e7ib. \u0130lin \u0259vv\u0259lind\u0259n b\u0259ri problemli kreditl\u0259rin h\u0259cmi 21,3%, son 12 ayda is\u0259 13,55% art\u0131b.<\/p>\n

Oktyabr ay\u0131n\u0131n sonunda problemli kreditl\u0259rin bank sektorunun \u00fcmumi kredit portfelind\u0259 pay\u0131 1,7% t\u0259\u015fkil edib. Ox\u015far r\u0259q\u0259m sentyabr ay\u0131n\u0131n sonunda qeyd\u0259 al\u0131n\u0131b. M\u00fcqayis\u0259 \u00fc\u00e7\u00fcn, \u00f6t\u0259n ilin dekabr ay\u0131n\u0131n sonunda bu r\u0259q\u0259m 1,5%, \u00f6t\u0259n ilin oktyabr ay\u0131n\u0131n sonunda is\u0259 1,7% olub. Haz\u0131rda gecikmi\u015f kreditl\u0259rin \u00fcmumi m\u0259bl\u0259\u011fi \u00e7ox b\u00f6y\u00fck olmasa da, t\u0259hl\u00fck\u0259li olan m\u0259qam onlar\u0131n h\u0259r ay artmas\u0131d\u0131r. Statistik tendensiya g\u00f6st\u0259rir ki, dem\u0259k olar, h\u0259r ay problemli kreditl\u0259rin say\u0131 v\u0259 h\u0259cmi art\u0131r. Bu is\u0259 birba\u015fa insanlar\u0131n g\u0259lirl\u0259rinin azalmas\u0131 v\u0259 kredit \u00f6hd\u0259likl\u0259rini yerin\u0259 yetirm\u0259k imkanlar\u0131n\u0131n m\u0259hdudla\u015fmas\u0131 il\u0259 ba\u011fl\u0131d\u0131r.<\/p>\n

\u018fg\u0259r v\u0259t\u0259nda\u015flar ald\u0131qlar\u0131 kreditl\u0259ri qaytara bilmirs\u0259, dem\u0259li, onlar\u0131n real g\u0259lirl\u0259ri ya azal\u0131b, ya da inflyasiyan\u0131n t\u0259siri alt\u0131nda d\u0259y\u0259r itirib. Y\u0259ni insanlar\u0131n x\u0259rcl\u0259ri art\u0131r, g\u0259lirl\u0259ri is\u0259 eyni templ\u0259 artm\u0131r.<\/strong><\/p>\n

Bel\u0259 \u015f\u0259raitd\u0259 b\u0259zi v\u0259t\u0259nda\u015flar \u201cproblemli kreditl\u0259rin ba\u011f\u0131\u015flanmas\u0131\u201d m\u0259s\u0259l\u0259sini yenid\u0259n g\u00fcnd\u0259m\u0259 g\u0259tirirl\u0259r. Lakin bu add\u0131m\u0131n at\u0131laca\u011f\u0131 g\u00f6zl\u0259nilmir. \u00c7\u00fcnki bu m\u00f6vzuda art\u0131q onlarla, h\u0259tta y\u00fczl\u0259rl\u0259 m\u0259hk\u0259m\u0259 q\u0259rar\u0131 var v\u0259 h\u00fcquqi prosesl\u0259r davam edir. Banklar kreditl\u0259rini geri almaq \u00fc\u00e7\u00fcn m\u0259hk\u0259m\u0259l\u0259r\u0259 m\u00fcraci\u0259t edirl\u0259rs\u0259, dem\u0259li, bu, onlar\u0131n maliyy\u0259 sabitliyinin qorunmas\u0131 bax\u0131m\u0131ndan qa\u00e7\u0131lmaz add\u0131md\u0131r.<\/p>\n

\u018fslind\u0259, \u0259sas diqq\u0259t kreditl\u0259rin ba\u011f\u0131\u015flanmas\u0131na deyil, art\u0131m\u0131n s\u0259b\u0259bl\u0259rinin ara\u015fd\u0131r\u0131lmas\u0131na y\u00f6n\u0259lm\u0259lidir. Problemin k\u00f6k\u00fcnd\u0259 insanlar\u0131n real g\u0259lirl\u0259rinin azalmas\u0131, inflyasiyan\u0131n al\u0131c\u0131l\u0131q qabiliyy\u0259tini z\u0259ifl\u0259tm\u0259si v\u0259 \u0259m\u0259k bazar\u0131ndak\u0131 qeyri-sabitlik dayan\u0131r. Bu amill\u0259r aradan qald\u0131r\u0131lmadan n\u0259 kredit y\u00fck\u00fc azalacaq, n\u0259 d\u0259 bank sektoru dayan\u0131ql\u0131 sabitliy\u0259 qovu\u015facaq.<\/p>\n

\"V\u00fcqar<\/p>\n

\u00a0V\u00fcqar Bayramov\u00a0<\/strong><\/p>\n

Deputat V\u00fcqar Bayramov \u201cYeni M\u00fcsavat\u201da a\u00e7\u0131qlamas\u0131nda bildirdi ki, problemli kreditl\u0259rin h\u0259cminin artmas\u0131n\u0131n \u0259sas s\u0259b\u0259bl\u0259rind\u0259n biri kredit g\u00f6t\u00fcr\u0259n v\u0259t\u0259nda\u015flar\u0131m\u0131z\u0131n \u00f6d\u0259m\u0259 qabiliyy\u0259tini tam yoxlamadan kredit verilm\u0259sidir. Deputat\u0131n s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, n\u0259tic\u0259d\u0259 kreditl\u0259rin \u00f6d\u0259nm\u0259si il\u0259 ba\u011fl\u0131 \u00e7\u0259tinlikl\u0259r ya\u015fan\u0131r:<\/strong>\u00a0\u201cEyni zamanda, banklar\u0131n kredit kartlar\u0131 vasit\u0259sil\u0259 v\u0259t\u0259nda\u015f\u0131n \u00f6d\u0259m\u0259 qabiliyy\u0259ti, g\u0259lir s\u0259viyy\u0259si yaxud \u0259m\u0259khaqq\u0131 m\u0259bl\u0259\u011fi n\u0259z\u0259r\u0259 al\u0131nmadan limitl\u0259rin a\u00e7\u0131lmas\u0131d\u0131r. Bel\u0259 kredit limitl\u0259rinin a\u00e7\u0131lmas\u0131 v\u0259t\u0259nda\u015flar\u0131m\u0131z\u0131n borclanmas\u0131na v\u0259 krediti geri \u00f6d\u0259y\u0259n zaman \u00e7\u0259tinlikl\u0259 qar\u015f\u0131la\u015fmas\u0131na g\u0259tirib \u00e7\u0131xar\u0131r. H\u0259r\u00e7\u0259nd AMB t\u0259r\u0259find\u0259n bel\u0259 x\u0259tl\u0259rin a\u00e7\u0131lmas\u0131 g\u0259lirlilikl\u0259 limitl\u0259\u015fdirildi, lakin uzun m\u00fcdd\u0259t banklar t\u0259r\u0259find\u0259n bel\u0259 kreditl\u0259rin a\u00e7\u0131lmas\u0131 m\u00fc\u015fahid\u0259 olundu. Bu bax\u0131mdan qaydalara yenid\u0259n bax\u0131lmas\u0131, x\u00fcsusil\u0259 banklar\u0131n\u00a0 kreditl\u0259\u015fm\u0259si il\u0259 ba\u011fl\u0131 yeni qaydalar\u0131n t\u0259tbiq edilm\u0259sin\u0259 ehtiyac var. Bu qaydalar is\u0259 qanunvericilikl\u0259 deyil, AMB-nin q\u0259bul etdiyi qaydalarla t\u0259nziml\u0259nir. X\u00fcsusil\u0259, \u00f6d\u0259m\u0259 qabiliyy\u0259tinin yoxlanmas\u0131 il\u0259 ba\u011fl\u0131 qaydalar\u0131n d\u0259yi\u015fdirilm\u0259si, bu istiqam\u0259td\u0259 yeni qaydalar\u0131n t\u0259tbiq edilm\u0259si b\u00fct\u00f6vl\u00fckd\u0259 problemli kreditl\u0259rin minimumla\u015fd\u0131r\u0131lmas\u0131na g\u0259tirib \u00e7\u0131xara bil\u0259r\u201d.<\/p>\n

\"Xalid<\/p>\n

\u00a0Xalid K\u0259rimli\u00a0<\/strong><\/p>\n

\u0130qtisad\u00e7\u0131 Xalid K\u0259rimli d\u0259 problemli kreditl\u0259rin \u00fcmumi kredit portfelind\u0259 h\u0259m nisbi, h\u0259m d\u0259 m\u00fctl\u0259q ifad\u0259d\u0259 artd\u0131\u011f\u0131n\u0131 bildirdi.<\/strong>\u00a0\u201cYeni M\u00fcsavat\u201da \u015f\u0259rhind\u0259 iqtisad\u00e7\u0131 qeyd etdi ki, \u0259g\u0259r \u00f6t\u0259n ilin dekabr ay\u0131nda qeyri-i\u015fl\u0259k kreditl\u0259r 655 milyon manat idis\u0259, oktyabr\u0131n 31-d\u0259 bu m\u0259bl\u0259\u011f 805 milyon manat olub, bu is\u0259 150 milyon manat art\u0131m dem\u0259kdir: \u201c\u00dcmumi kredit portfeli artd\u0131\u011f\u0131na g\u00f6r\u0259 m\u00fctl\u0259q r\u0259q\u0259ml\u0259rl\u0259 t\u0259hlil o q\u0259d\u0259r d\u0259 effektiv olmaz. Nisbi r\u0259q\u0259ml\u0259rd\u0259 problemli kreditl\u0259rin faizin\u0259 baxanda g\u00f6r\u00fcr\u00fck ki, ilin \u0259vv\u0259lind\u0259 bu r\u0259q\u0259m 2,4 faiz idis\u0259, oktyabr\u0131n sonunda 2,7 faiz\u0259 q\u0259d\u0259r y\u00fcks\u0259lib. Bununla yana\u015f\u0131, 2,7 faiz olduqca qaneedici r\u0259q\u0259mdir. Bir ne\u00e7\u0259 il \u00f6nc\u0259 problemli kreditl\u0259rin h\u0259cmi daha b\u00f6y\u00fck idi. 2015-2018-ci ill\u0259rd\u0259 problemli kreditl\u0259r b\u0259zi d\u00f6vrl\u0259rd\u0259 ikir\u0259q\u0259mli h\u0259dd\u0259 \u00e7at\u0131b.\u00a0 Y\u0259ni \u00fcmumi v\u0259ziyy\u0259tin q\u0259na\u0259tb\u0259x\u015f oldu\u011funu dey\u0259 bil\u0259rik. AMB-ni narahat ed\u0259c\u0259k m\u0259qam yoxdur. Problemli kreditl\u0259rin strukturuna baxanda g\u00f6r\u00fcr\u00fck ki, istehlak kreditl\u0259rind\u0259 pisl\u0259\u015fm\u0259 3,5 faiz\u0259 qalx\u0131b. Biznes kreditl\u0259rd\u0259 pisl\u0259\u015fm\u0259 nisb\u0259t\u0259n azd\u0131r, lakin m\u00f6vcuddur. \u0130poteka kreditl\u0259rind\u0259 is\u0259 he\u00e7 bir narahatedici m\u0259qam yoxdur. H\u0259tta ilin \u0259vv\u0259li il\u0259 m\u00fcqayis\u0259d\u0259 yax\u015f\u0131la\u015fma m\u00fc\u015fahid\u0259 olunur. Problemli kreditl\u0259rin artmas\u0131n\u0131n s\u0259b\u0259bl\u0259rin\u0259 g\u0259linc\u0259, ilk s\u0259b\u0259b inflyasiyan\u0131n y\u00fcks\u0259k qalmas\u0131d\u0131r.\u00a0 Eyni zamanda AMB siyas\u0259tinin n\u0259tic\u0259si olaraq, \u00f6lk\u0259d\u0259 faiz d\u0259r\u0259c\u0259l\u0259rinin bir ne\u00e7\u0259 il \u00f6nc\u0259 il\u0259 m\u00fcqayis\u0259d\u0259 s\u00fcr\u0259tl\u0259 y\u00fcks\u0259lm\u0259sidir, 2023-c\u00fc ill\u0259 m\u00fcqayis\u0259d\u0259 h\u0259m istehlak, h\u0259m biznes kreditl\u0259rinin faiz d\u0259r\u0259c\u0259l\u0259rind\u0259 3 faiz\u0259 q\u0259d\u0259r art\u0131m var. Bu is\u0259 kredit faizl\u0259rinin t\u0259qrib\u0259n 20-25 faiz y\u00fcks\u0259lm\u0259si dem\u0259kdir. B\u00fct\u00fcn bu s\u0259b\u0259bl\u0259r \u00f6d\u0259yicil\u0259rin \u00f6d\u0259m\u0259 qabiliyy\u0259tin\u0259 m\u0259nfi t\u0259sir g\u00f6st\u0259rir\u201d.<\/p>\n

\u0130qtisad\u00e7\u0131 kreditl\u0259rin silinm\u0259 mexanizmi il\u0259 ba\u011fl\u0131 da \u015f\u0259rh verdi:<\/strong>\u00a0\u201cN\u0259 M\u0259rk\u0259zi Bank, n\u0259 d\u0259 d\u00f6vl\u0259t \u00f6z\u0259l banklara kreditl\u0259rin silinm\u0259si il\u0259 ba\u011fl\u0131 tap\u015f\u0131r\u0131q ver\u0259 bilm\u0259z.\u00a0 Bu, banklar\u0131n \u00f6z s\u0259lahiyy\u0259tind\u0259 olan m\u0259s\u0259l\u0259dir. T\u0259l\u0259bl\u0259r ehtiyat yaratma\u011fa aiddir. Y\u0259ni \u00f6d\u0259m\u0259d\u0259 gecikm\u0259 yaranma hallar\u0131na haz\u0131r olmaq m\u0259qs\u0259dil\u0259 ehtiyat yarad\u0131lmal\u0131d\u0131r. Silinm\u0259k, yaxud borcdan imtina il\u0259 ba\u011fl\u0131 q\u0259rar yaln\u0131z bank\u0131n s\u0259lahiyy\u0259tind\u0259 olan m\u0259s\u0259l\u0259dir. D\u00f6vl\u0259t yaln\u0131z silin\u0259n borcu kompensasiya ed\u0259 bil\u0259r, lakin bunu etm\u0259z \u00e7\u00fcnki burada maliyy\u0259 intizam\u0131n\u0131n pozulmas\u0131 m\u0259s\u0259l\u0259si ortaya \u00e7\u0131x\u0131r. Problemli kreditl\u0259rin h\u0259cminin artmamas\u0131 \u00fc\u00e7\u00fcn v\u0259t\u0259nda\u015flar\u0131n g\u0259lirl\u0259ri davaml\u0131 olaraq artmal\u0131d\u0131r, banklar is\u0259 riskli kreditl\u0259rin verilm\u0259sini azaltmal\u0131d\u0131rlar\u201d.<\/p>\n

Nigar H\u018fS\u018fNL\u0130,
\n\u201cYeni M\u00fcsavat\u201d<\/strong><\/p>\n<\/div>\n

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M\u0259rk\u0259zi Bank yeni r\u0259q\u0259ml\u0259ri a\u00e7\u0131qlad\u0131; deputat is\u0259 g\u00fcnah\u0131 v\u0259t\u0259nda\u015f\u0131n \u00f6d\u0259m\u0259 qabiliyy\u0259tini tam yoxlamadan kredit verilm\u0259sind\u0259 g\u00f6r\u00fcr – \u00e7a\u011f\u0131r\u0131\u015f Bu ilin yanvar-oktyabr aylar\u0131nda banklar 29 milyard 403.9 manat kredit qoyulu\u015fu realla\u015fd\u0131r\u0131b. Bu bar\u0259d\u0259 M\u0259rk\u0259zi Bank\u0131n yayd\u0131\u011f\u0131 m\u0259lumatda deyilir. Qeyd olunur ki, kreditl\u0259rin 544,8 milyon manat\u0131n\u0131n vaxt\u0131 ke\u00e7ib. \u0130lin \u0259vv\u0259lind\u0259n b\u0259ri problemli kreditl\u0259rin h\u0259cmi 21,3%, son 12 ayda is\u0259 13,55% art\u0131b. Oktyabr ay\u0131n\u0131n sonunda problemli kreditl\u0259rin bank sektorunun \u00fcmumi kredit portfelind\u0259 pay\u0131 1,7% t\u0259\u015fkil edib. Ox\u015far r\u0259q\u0259m sentyabr ay\u0131n\u0131n sonunda qeyd\u0259 al\u0131n\u0131b. M\u00fcqayis\u0259 \u00fc\u00e7\u00fcn, \u00f6t\u0259n ilin dekabr ay\u0131n\u0131n sonunda bu r\u0259q\u0259m 1,5%,…<\/p>\n","protected":false},"author":2,"featured_media":835384,"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\/11\/64400337cb6e661337942e7040015155.jpg",870,500,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/11\/64400337cb6e661337942e7040015155.jpg",870,500,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/11\/64400337cb6e661337942e7040015155.jpg",870,500,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/11\/64400337cb6e661337942e7040015155-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/11\/64400337cb6e661337942e7040015155-635x365.jpg",635,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/11\/64400337cb6e661337942e7040015155-840x483.jpg",640,368,true],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/11\/64400337cb6e661337942e7040015155.jpg",870,500,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/11\/64400337cb6e661337942e7040015155.jpg",870,500,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/11\/64400337cb6e661337942e7040015155-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/11\/64400337cb6e661337942e7040015155.jpg",870,500,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":"M\u0259rk\u0259zi Bank yeni r\u0259q\u0259ml\u0259ri a\u00e7\u0131qlad\u0131; deputat is\u0259 g\u00fcnah\u0131 v\u0259t\u0259nda\u015f\u0131n \u00f6d\u0259m\u0259 qabiliyy\u0259tini tam yoxlamadan kredit verilm\u0259sind\u0259 g\u00f6r\u00fcr – \u00e7a\u011f\u0131r\u0131\u015f Bu ilin yanvar-oktyabr aylar\u0131nda banklar 29 milyard 403.9 manat kredit qoyulu\u015fu realla\u015fd\u0131r\u0131b. Bu bar\u0259d\u0259 M\u0259rk\u0259zi Bank\u0131n yayd\u0131\u011f\u0131 m\u0259lumatda deyilir. Qeyd olunur ki, kreditl\u0259rin 544,8 milyon manat\u0131n\u0131n vaxt\u0131 ke\u00e7ib. \u0130lin \u0259vv\u0259lind\u0259n b\u0259ri problemli kreditl\u0259rin h\u0259cmi 21,3%, son 12…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/835383"}],"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=835383"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/835383\/revisions"}],"predecessor-version":[{"id":835385,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/835383\/revisions\/835385"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/835384"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=835383"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=835383"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=835383"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}