{"id":844262,"date":"2026-03-12T11:08:37","date_gmt":"2026-03-12T07:08:37","guid":{"rendered":"https:\/\/arantv.az\/?p=844262"},"modified":"2026-03-12T11:08:37","modified_gmt":"2026-03-12T07:08:37","slug":"az%c9%99rbaycanda-iki-bank-baglanacaq","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=844262","title":{"rendered":"Az\u0259rbaycanda iki bank BA\u011eLANACAQ"},"content":{"rendered":"<p><strong>\u00d6t\u0259n g\u00fcnl\u0259rd\u0259 Az\u0259rbaycanda daha bir bank\u0131n f\u0259aliyy\u0259tini dayand\u0131raraq bank olmayan kredit t\u0259\u015fkilat\u0131na (BOKT) \u00e7evrildiyi il\u0259 ba\u011fl\u0131 x\u0259b\u0259r vermi\u015fdik. Bununla da \u00f6lk\u0259d\u0259 yaln\u0131z 21 bank f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259c\u0259k. Qeyd ed\u0259k ki, M\u0259rk\u0259zi Bank\u0131n a\u00e7\u0131qlad\u0131\u011f\u0131 \u015fikay\u0259t c\u0259dv\u0259lind\u0259 d\u0259 birinci yerd\u0259 \u201cBTB\u201d Bank, ikincilikd\u0259 Express Bank, \u00fc\u00e7\u00fcnc\u00fcd\u0259 AFB Bank, n\u00f6vb\u0259ti yerd\u0259 is\u0259 Az\u0259r-T\u00fcrk Bank dayan\u0131r.<\/strong><\/p>\n<p><strong>B\u0259s g\u00f6r\u0259s\u0259n, Az\u0259rbaycanda banklar\u0131n ba\u011flanmas\u0131na s\u0259b\u0259b n\u0259dir? Bundan sonra daha ne\u00e7\u0259 bank ba\u011flana bil\u0259r? BOKT-lar\u0131n faiz g\u00f6st\u0259ricil\u0259ri niy\u0259 banklara nisb\u0259td\u0259 \u00e7ox daha y\u00fcks\u0259kdir?<\/strong><\/p>\n<p><strong>Musavat.com<\/strong>\u00a0x\u0259b\u0259r verir ki, m\u00f6vzu il\u0259 ba\u011fl\u0131 Lent.az-a a\u00e7\u0131qlama ver\u0259n Az\u0259rbaycan Qiym\u0259tl\u0259ndiricil\u0259r C\u0259miyy\u0259tinin s\u0259dri V\u00fcqar Orucun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, daha iki bank f\u0259aliyy\u0259tini dayand\u0131racaq:<\/p>\n<p>\u201cAz\u0259rbaycanda bank sistemi n\u00f6vb\u0259ti inki\u015faf d\u00f6vr\u00fcn\u0259 q\u0259d\u0259m qoyub. Bir \u00e7ox analtikl\u0259r, o c\u00fcml\u0259d\u0259n beyn\u0259lxalq reyinq t\u0259\u015fkilatlar\u0131 M\u0259rk\u0259zi Bank\u0131n bank sektorunu t\u0259nziml\u0259nm\u0259sind\u0259ki rolunu y\u00fcks\u0259k qiym\u0259tl\u0259ndirir. Son d\u00f6vrl\u0259r g\u00f6r\u00fcl\u0259n i\u015fl\u0259r d\u0259 t\u0259nziml\u0259m\u0259 siyas\u0259tinin u\u011furlar\u0131ndan x\u0259b\u0259r verir.<\/p>\n<p>S\u0131radan \u00e7\u0131xan, ba\u011flanan banklar he\u00e7 d\u0259 g\u00fccl\u00fc olmay\u0131blar, onlar z\u0259r\u0259rl\u0259 i\u015fl\u0259y\u0259n, problemli portfeli a\u011f\u0131rl\u0131q t\u0259\u015fkil ed\u0259n banklar olub. Fikrimc\u0259, bel\u0259 banklar\u0131n ba\u011flanmas\u0131, formas\u0131n\u0131 d\u0259yi\u015fm\u0259si z\u0259ruri idi. Banklar\u0131n Bank Olmayan Kredit T\u0259\u015fkilat\u0131na (BOKT) \u00e7evrilm\u0259si onlar\u0131n bug\u00fcn\u0259 q\u0259d\u0259rki g\u00f6st\u0259rdikl\u0259ri f\u0259aliyy\u0259tin davam etm\u0259si v\u0259 funksiyalar\u0131n\u0131n ba\u015fqa formada yerin\u0259 yetirilm\u0259sidir.<\/p>\n<p>Yax\u0131n zamanlarda daha iki bank\u0131n ba\u011flanaca\u011f\u0131n\u0131 s\u00f6yl\u0259m\u0259k olar.<\/p>\n<p>Bunu m\u00fc\u0259yy\u0259nl\u0259\u015fdirm\u0259k \u00fc\u00e7\u00fcn banklar sistemini n\u0259z\u0259rd\u0259n ke\u00e7irm\u0259k kifay\u0259tdir. \u00c7\u00fcnki indiy\u0259 q\u0259d\u0259r ba\u011flanan banklar\u0131n tarix\u00e7\u0259sind\u0259 borc v\u0259 maliyy\u0259 probleml\u0259ri qabar\u0131q olub.<\/p>\n<p>BOKT-lar bir \u00e7ox hallarda banklar\u0131n m\u00fc\u015ft\u0259ril\u0259ridir. Onlar banklardan ald\u0131qlar\u0131 kapital\u0131n \u00fcz\u0259rind\u0259 m\u00fc\u0259yy\u0259n faiz qoymaqla \u0259haliy\u0259 sat\u0131\u015f edirl\u0259r. BOKT-lar\u0131n \u0259sas x\u00fcsusiyy\u0259ti odur ki, onlardan kredit g\u00f6t\u00fcrm\u0259k h\u00fcquqi bax\u0131mdan daha tez ba\u015fa g\u0259lir. Buna g\u00f6r\u0259 d\u0259 v\u0259t\u0259nda\u015flar bir \u00e7ox hallarda y\u00fcks\u0259k faiz\u0259 \u00f6n\u0259m verm\u0259d\u0259n, prosesin tezliyi \u00fc\u00e7\u00fcn BOKT-lara m\u00fcraci\u0259t edir.<\/p>\n<p>Kommersiya banklar\u0131 likvidliyin qorunmas\u0131 \u00fc\u00e7\u00fcn \u00f6z kredit siyas\u0259tl\u0259rind\u0259 m\u00fc\u0259yy\u0259n m\u00fcr\u0259kk\u0259bl\u0259\u015fm\u0259 prosesi apar\u0131rlar. Buna g\u00f6r\u0259 d\u0259 y\u00fcks\u0259k faizli BOKT-lar daha \u00e7ox m\u00fc\u015ft\u0259ri bazar\u0131na malikdirl\u0259r.<\/p>\n<p>H\u0259m banklar, h\u0259m d\u0259 BOKT-lar k\u0259nardan, beyn\u0259lxalq donor t\u0259\u015fkilatlar\u0131ndan sat\u0131\u015f \u00fc\u00e7\u00fcn kapital \u0259ld\u0259 etsinl\u0259r. Bu h\u0259m ucuz ba\u015fa g\u0259lir, h\u0259m d\u0259 faizl\u0259r \u00fcmumi m\u0259bl\u0259\u011f\u0259 b\u00f6y\u00fck t\u0259sir g\u00f6st\u0259rmir. Daxili bazardan pul \u0259ld\u0259 etdikd\u0259 is\u0259 y\u00fcks\u0259k faizl\u0259r kreditin sat\u0131\u015f\u0131n\u0131n \u0259l\u00e7atanl\u0131\u011f\u0131n\u0131n a\u015fa\u011f\u0131 olmas\u0131na s\u0259b\u0259b olur\u201d.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00d6t\u0259n g\u00fcnl\u0259rd\u0259 Az\u0259rbaycanda daha bir bank\u0131n f\u0259aliyy\u0259tini dayand\u0131raraq bank olmayan kredit t\u0259\u015fkilat\u0131na (BOKT) \u00e7evrildiyi il\u0259 ba\u011fl\u0131 x\u0259b\u0259r vermi\u015fdik. Bununla da \u00f6lk\u0259d\u0259 yaln\u0131z 21 bank f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259c\u0259k. Qeyd ed\u0259k ki, M\u0259rk\u0259zi Bank\u0131n a\u00e7\u0131qlad\u0131\u011f\u0131 \u015fikay\u0259t c\u0259dv\u0259lind\u0259 d\u0259 birinci yerd\u0259 \u201cBTB\u201d Bank, ikincilikd\u0259 Express Bank, \u00fc\u00e7\u00fcnc\u00fcd\u0259 AFB Bank, n\u00f6vb\u0259ti yerd\u0259 is\u0259 Az\u0259r-T\u00fcrk Bank dayan\u0131r. B\u0259s g\u00f6r\u0259s\u0259n, Az\u0259rbaycanda banklar\u0131n ba\u011flanmas\u0131na s\u0259b\u0259b n\u0259dir? Bundan sonra daha ne\u00e7\u0259 bank ba\u011flana bil\u0259r? BOKT-lar\u0131n faiz g\u00f6st\u0259ricil\u0259ri niy\u0259 banklara nisb\u0259td\u0259 \u00e7ox daha y\u00fcks\u0259kdir? Musavat.com\u00a0x\u0259b\u0259r verir ki, m\u00f6vzu il\u0259 ba\u011fl\u0131 Lent.az-a a\u00e7\u0131qlama ver\u0259n Az\u0259rbaycan Qiym\u0259tl\u0259ndiricil\u0259r C\u0259miyy\u0259tinin s\u0259dri V\u00fcqar Orucun s\u00f6zl\u0259rin\u0259&hellip;<\/p>\n","protected":false},"author":2,"featured_media":844264,"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\/2026\/03\/114f1e4a29bba9015444d0b6a1f027cd.jpg",830,500,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/03\/114f1e4a29bba9015444d0b6a1f027cd.jpg",830,500,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/03\/114f1e4a29bba9015444d0b6a1f027cd.jpg",830,500,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/03\/114f1e4a29bba9015444d0b6a1f027cd-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/03\/114f1e4a29bba9015444d0b6a1f027cd-606x365.jpg",606,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/03\/114f1e4a29bba9015444d0b6a1f027cd.jpg",640,386,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/03\/114f1e4a29bba9015444d0b6a1f027cd.jpg",830,500,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/03\/114f1e4a29bba9015444d0b6a1f027cd.jpg",830,500,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/03\/114f1e4a29bba9015444d0b6a1f027cd-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/03\/114f1e4a29bba9015444d0b6a1f027cd.jpg",830,500,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":"\u00d6t\u0259n g\u00fcnl\u0259rd\u0259 Az\u0259rbaycanda daha bir bank\u0131n f\u0259aliyy\u0259tini dayand\u0131raraq bank olmayan kredit t\u0259\u015fkilat\u0131na (BOKT) \u00e7evrildiyi il\u0259 ba\u011fl\u0131 x\u0259b\u0259r vermi\u015fdik. Bununla da \u00f6lk\u0259d\u0259 yaln\u0131z 21 bank f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259c\u0259k. Qeyd ed\u0259k ki, M\u0259rk\u0259zi Bank\u0131n a\u00e7\u0131qlad\u0131\u011f\u0131 \u015fikay\u0259t c\u0259dv\u0259lind\u0259 d\u0259 birinci yerd\u0259 \u201cBTB\u201d Bank, ikincilikd\u0259 Express Bank, \u00fc\u00e7\u00fcnc\u00fcd\u0259 AFB Bank, n\u00f6vb\u0259ti yerd\u0259 is\u0259 Az\u0259r-T\u00fcrk Bank dayan\u0131r. B\u0259s g\u00f6r\u0259s\u0259n, Az\u0259rbaycanda banklar\u0131n&hellip;","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/844262"}],"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=844262"}],"version-history":[{"count":2,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/844262\/revisions"}],"predecessor-version":[{"id":844266,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/844262\/revisions\/844266"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/844264"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=844262"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=844262"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=844262"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}