{"id":167595,"date":"2015-04-17T14:45:24","date_gmt":"2015-04-17T14:45:24","guid":{"rendered":"https:\/\/www.meydan.tv\/article\/ehalinin-bank-emanetleri-ne-derecede-sigortalidir-tehlil\/"},"modified":"2015-04-17T14:45:24","modified_gmt":"2015-04-17T14:45:24","slug":"ehalinin-bank-emanetleri-ne-derecede-sigortalidir-tehlil","status":"publish","type":"post","link":"https:\/\/www.meydan.tv\/az\/article\/ehalinin-bank-emanetleri-ne-derecede-sigortalidir-tehlil\/","title":{"rendered":"\u018fhalinin bank \u0259man\u0259tl\u0259ri n\u0259 d\u0259r\u0259c\u0259d\u0259 s\u0131\u011fortal\u0131d\u0131r? (T\u0259hlil)"},"content":{"rendered":"
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\n “M\u0259rk\u0259zi Bank da son g\u00fcnl\u0259r sanki bu n\u00f6v insanlar\u0131n \u00fcmidini q\u0131rmayaraq manat\u0131n m\u0259z\u0259nn\u0259si il\u0259 oynay\u0131r”
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\n Manat\u0131n devalvasiyas\u0131 b\u00fct\u00f6vl\u00fckd\u0259 bank sistemin\u0259 etimad\u0131 sars\u0131d\u0131b. \u018fhalini iki sual narahat edir: 1) pul ehtiyatlar\u0131n\u0131 hans\u0131 valyutada saxlamaq s\u0259rf\u0259lidir? 2) banklarda \u0259man\u0259t saxlamaq t\u0259hl\u00fck\u0259sizdirmi?\n<\/p>\n

\n I. Birinci sual\u0131n cavab\u0131 \u0259sas\u0259n \u00e7oxlar\u0131na b\u0259llidir. Neftin qiym\u0259tinin ucuzla\u015fmas\u0131 \u00fcst\u0259g\u0259l M\u0259rk\u0259zi Bank\u0131n valyuta ehtiyatlar\u0131n\u0131n azalmas\u0131 devalvasiyan\u0131n davam etm\u0259si riskini xeyli art\u0131r\u0131r. M\u0259rk\u0259zi Bank da he\u00e7 bir t\u0259dbir g\u00f6rm\u00fcr. H\u0259tta \u00f6lk\u0259d\u0259n valyuta ax\u0131n\u0131n\u0131n qar\u015f\u0131s\u0131n\u0131 almaq \u00fc\u00e7\u00fcn qanunla ona verilmi\u015f s\u0259lahiyy\u0259tl\u0259rd\u0259n bel\u0259 istifad\u0259 etmir. Buna g\u00f6r\u0259 d\u0259 \u0259hali ehtiyatlar\u0131n\u0131 manata deyil, dollara etibar edir. D\u00fczd\u00fcr, istisnalar da var: b\u0259zil\u0259ri h\u0259l\u0259 d\u0259 d\u00fc\u015f\u00fcn\u00fcr ki, manat h\u0259l\u0259 bahala\u015facaq. M\u0259rk\u0259zi Bank da son g\u00fcnl\u0259r sanki bu n\u00f6v insanlar\u0131n \u00fcmidini q\u0131rmayaraq manat\u0131n m\u0259z\u0259nn\u0259si il\u0259 oynay\u0131r: c\u00fczi olaraq gah art\u0131r\u0131r, gah azald\u0131r. Bu psixoloji f\u0259nd n\u0259tic\u0259sind\u0259 he\u00e7 olmasa bir qisim v\u0259t\u0259nda\u015flar\u0131m\u0131z h\u0259l\u0259 d\u0259 ehtiyatlar\u0131n\u0131 manatda saxlay\u0131r. Bununla bel\u0259 banklar\u0131n manatla kredit verm\u0259kd\u0259n imtina etm\u0259si bu m\u0259s\u0259l\u0259d\u0259 h\u0259lledici amildir. Banklar da manata v\u0259 M\u0259rk\u0259zi Banka etibar etmirs\u0259, dig\u0259rl\u0259ri niy\u0259 etibar etm\u0259lidir?!\n<\/p>\n

\n II. \u0130kinci sual\u0131n cavab\u0131 birinci kimi sad\u0259 deyil. \u0130st\u0259nil\u0259n (zaman v\u0259 m\u0259kan\u0131n f\u0259rqi yoxdur) bank sistemi piramidad\u0131r (burada s\u0259l\u0259m\u00e7ilikl\u0259 yana\u015f\u0131 qumar elementl\u0259ri d\u0259 m\u00f6vcuddur). Y\u0259ni \u0259vv\u0259l-ax\u0131r da\u011f\u0131l\u0131r v\u0259 onun z\u0259if b\u0259ndl\u0259ri z\u0259r\u0259r\u0259 m\u0259ruz qal\u0131r. Bu bax\u0131mdan geni\u015f m\u0259nada banka pulunu etibar ed\u0259n \u015f\u0259xs zaman\u0131n v\u0259 m\u0259kan\u0131n onun ba\u015f\u0131nda \u00e7atlaya bil\u0259c\u0259yi ehtimal\u0131n\u0131 g\u00f6z\u00fcn\u00fcn \u00f6n\u00fcn\u0259 almal\u0131 v\u0259 z\u0259if b\u0259nd ola bil\u0259c\u0259yi il\u0259 hesabla\u015fmal\u0131d\u0131r. \u00d6l\u00fcm\u0259 v\u0259 m\u00fcflisliy\u0259 \u00e7ar\u0259 yoxdur. Siz\u0259 m\u00fcxt\u0259lif v\u0259dl\u0259r v\u0259 g\u00f6z\u0259l s\u00f6zl\u0259r dey\u0259 bil\u0259rl\u0259r. Amma d\u00f6vl\u0259tin v\u0259 bank sisteminin v\u0259saiti t\u00fck\u0259nibs\u0259, bunlar\u0131n he\u00e7 birinin \u0259h\u0259miyy\u0259ti yoxdur. 2 il \u00f6nc\u0259 Avropa Birliyinin \u00fczv\u00fc olan Kiprd\u0259 \u0259man\u0259t\u00e7il\u0259rin ba\u015f\u0131na g\u0259l\u0259ni xat\u0131rlay\u0131n: d\u00f6vl\u0259t faktiki olaraq \u0259man\u0259tl\u0259rin bir qismini (az\u0131 20 faizini!) vergi ad\u0131 il\u0259 m\u00fcsadir\u0259 etdi. Bu, h\u0259l\u0259 \u0259n yax\u015f\u0131 misald\u0131r. SSR\u0130 d\u00f6vr\u00fcnd\u0259ki qoyulmu\u015f \u0259man\u0259tl\u0259rin taleyi ham\u0131m\u0131za b\u0259llidir.\n<\/p>\n

\n Qeyd edil\u0259nl\u0259ri (o c\u00fcml\u0259d\u0259n zaman v\u0259 m\u0259kan bax\u0131mdan) n\u0259z\u0259r\u0259 alaraq, ikinci sual\u0131 ba\u015fqa c\u00fcr ifad\u0259 etm\u0259k d\u00fczg\u00fcn olard\u0131: Az\u0259rbaycan banklar\u0131n\u0131n yaratd\u0131\u011f\u0131 piramida tezlikl\u0259 da\u011f\u0131la bil\u0259rmi? \u018fslind\u0259, bu suala he\u00e7 k\u0259s d\u0259qiq cavab ver\u0259 bilm\u0259z. \u00c7\u00fcnki subyektiv v\u0259 obyektiv, daxili v\u0259 xarici meyarlar\u0131n say\u0131 \u00e7oxdur. Onlar\u0131n ham\u0131s\u0131n\u0131 \u00f6l\u00e7\u00fcb-bi\u00e7m\u0259k \u00e7\u0259tindir. B\u0259zi m\u0259lumatlar is\u0259 yaln\u0131z dar \u00e7\u0259r\u00e7iv\u0259y\u0259 daxil olan \u015f\u0259xsl\u0259r\u0259 m\u0259lumdur. Buna g\u00f6r\u0259 d\u0259 m\u0259n burada yaln\u0131z \u00fc\u00e7, lakin \u00e7ox m\u00fch\u00fcm, h\u0259lledici v\u0259 \u00fczd\u0259 olan amil\u0259 toxunmaq ist\u0259yir\u0259m:\n<\/p>\n

\n 1) banklar\u0131n maliyy\u0259 m\u0259nb\u0259l\u0259ri;\n<\/p>\n

\n 2) M\u0259rk\u0259zi Bank\u0131n \u0259man\u0259tl\u0259ri qorumaq istiqam\u0259tind\u0259ki f\u0259aliyy\u0259ti;\n<\/p>\n

\n 3) \u0259man\u0259tl\u0259rin s\u0131\u011fortalanmas\u0131.\n<\/p>\n

\n 1. \u018fman\u0259tl\u0259rd\u0259n savay\u0131 banklar\u0131n iki \u0259sas maliyy\u0259 m\u0259nb\u0259yi var:\n<\/p>\n

\n 1) xaricd\u0259n c\u0259lb edil\u0259n kreditl\u0259r; 2) M\u0259rk\u0259zi Bankdan al\u0131nan kreditl\u0259r. Devalvasiyadan sonra banklar \u00fc\u00e7\u00fcn xaricd\u0259n v\u0259sait c\u0259lb etm\u0259k xeyli \u00e7\u0259tinl\u0259\u015fib. M\u0259rk\u0259zi Bank is\u0259 yaln\u0131z dar \u00e7\u0259r\u00e7iv\u0259y\u0259 daxil olan banklara qeyri-\u015f\u0259ffaf \u015f\u0259rtl\u0259rl\u0259 bank sisteminin t\u0259l\u0259bat\u0131n\u0131 qar\u015f\u0131lamayan h\u0259cmd\u0259 kredit verir. T\u0259s\u0259vv\u00fcr edirsiniz: M\u0259rk\u0259zi Bank banklara 3,5%-l\u0259 (r\u0259smi u\u00e7ot d\u0259r\u0259c\u0259si il\u0259) pulunu etibar etmir, amma imkan yarad\u0131r ki, banklar \u0259halid\u0259n 12 faizl\u0259 \u0259man\u0259t c\u0259lb etsin?! \u00d6z\u00fcn\u0259 r\u0259va bilm\u0259diyini ba\u015fqas\u0131na r\u0259va bilm\u0259yin ad\u0131 n\u0259dir \u2013 b\u0259llidir! N\u0259tic\u0259d\u0259 banklar \u0259man\u0259tl\u0259rd\u0259n as\u0131l\u0131 v\u0259ziyy\u0259td\u0259dirl\u0259r (s\u0131\u011fortalanan \u0259man\u0259tl\u0259r \u00fc\u00e7\u00fcn yuxar\u0131 faiz d\u0259r\u0259c\u0259sinin bird\u0259n bir\u0259 9 faizd\u0259n 12 faiz\u0259d\u0259k art\u0131r\u0131lmas\u0131 bunu t\u0259sdiq edir: m\u0259qs\u0259d n\u0259yin bahas\u0131na olursa olsun \u0259halini \u015firnikl\u0259ndir\u0259r\u0259k \u0259man\u0259tl\u0259rin \u00e7\u0131xar\u0131lmas\u0131n\u0131n qar\u015f\u0131s\u0131n\u0131 almaqd\u0131r). Y\u0259ni \u0259man\u0259tl\u0259rin \u00e7\u0131xar\u0131lmas\u0131 prosesi davam ed\u0259rs\u0259, banklar\u0131n v\u0259saiti q\u0131sa m\u00fcdd\u0259td\u0259 t\u00fck\u0259n\u0259 bil\u0259r.\n<\/p>\n

\n 2. M\u0259rk\u0259zi Bank haqq\u0131nda Qanunun 46.1-ci madd\u0259sin\u0259 \u0259sas\u0259n M\u0259rk\u0259zi Bank\u0131n banklar \u00fcz\u0259rind\u0259 h\u0259yata ke\u00e7irdiyi n\u0259zar\u0259t ilk n\u00f6vb\u0259d\u0259 \u0259man\u0259t\u00e7il\u0259rin maraqlar\u0131n\u0131 qorumaq m\u0259qs\u0259dini da\u015f\u0131y\u0131r. Manat\u0131n devalvasiyas\u0131ndan sonra M\u0259rk\u0259zi Bank bank n\u0259zar\u0259tini yum\u015fald\u0131b, b\u0259zi al\u0259tl\u0259rind\u0259n is\u0259 h\u0259tta imtina edib. M\u0259s\u0259l\u0259n, a\u00e7\u0131q valyuta m\u00f6vqeyi limitini l\u0259\u011fv ed\u0259r\u0259k (\u00f6z\u00fc d\u0259 gizli v\u0259 qanunsuz \u015f\u0259kild\u0259!), banklar\u0131n valyuta riskl\u0259rini ba\u015fl\u0131-ba\u015f\u0131na burax\u0131b, verilmi\u015f kreditl\u0259r \u00fczr\u0259 ehtiyat normas\u0131n\u0131 azaldaraq banklar\u0131n kredit riskl\u0259rini art\u0131r\u0131b v\u0259 s. Bir m\u00fcdd\u0259t \u00f6nc\u0259 y\u00fczl\u0259rl\u0259 \u0259man\u0259t\u00e7inin z\u0259r\u0259r \u00e7\u0259km\u0259si il\u0259 n\u0259tic\u0259l\u0259nmi\u015f “Royal Bank”\u0131n l\u0259\u011fvi g\u00f6st\u0259rdi ki, M\u0259rk\u0259zi Bank he\u00e7 adi vaxtda da banklara normal n\u0259zar\u0259t etmir, ill\u0259rl\u0259 onlar\u0131n pozuntular\u0131na g\u00f6z yumur. \u0130ndi t\u0259s\u0259vv\u00fcr edin ki, M\u0259rk\u0259zi Bank\u0131n bank n\u0259zar\u0259ti \u00fczr\u0259 haz\u0131rk\u0131 r\u0259smi yum\u015faq siyas\u0259ti \u0259man\u0259t\u00e7il\u0259r \u00fc\u00e7\u00fcn n\u0259 q\u0259d\u0259r t\u0259hl\u00fck\u0259li ola bil\u0259r.\n<\/p>\n

\n 3. Haz\u0131rda \u018fman\u0259tl\u0259rin S\u0131\u011fortalanmas\u0131 Fondu (\u018fSF) fiziki \u015f\u0259xsin h\u0259r bankda 30 000 manat h\u0259ddind\u0259 olan v\u0259 faiz d\u0259r\u0259c\u0259si 12-ni \u00f6tm\u0259y\u0259n \u0259man\u0259tini s\u0131\u011fortalay\u0131r. B\u0259zil\u0259ri d\u00fc\u015f\u00fcn\u00fcr ki, \u0259man\u0259tl\u0259r d\u00f6vl\u0259t t\u0259r\u0259find\u0259n s\u0131\u011fortalan\u0131r. Bu, \u0259sla bel\u0259 deyil. M\u00fclki M\u0259c\u0259ll\u0259nin 950.1-ci madd\u0259sin\u0259 \u0259sas\u0259n, d\u00f6vl\u0259t yaln\u0131z s\u0259hml\u0259rinin 50 faizd\u0259n \u00e7oxu ona m\u0259nsub olan banklardak\u0131 (Beyn\u0259lxalq Bank v\u0259 Az\u0259r-T\u00fcrk Bank) \u0259man\u0259tl\u0259r\u0259 g\u00f6r\u0259 m\u0259suliyy\u0259t da\u015f\u0131y\u0131r. Dig\u0259r banklardak\u0131 \u0259man\u0259tl\u0259r\u0259 g\u00f6r\u0259 yaln\u0131z \u018fSF cavabdehdir.\n<\/p>\n

\n \u018fSF qeyri-m\u00fc\u0259yy\u0259n statusa malik olan adi h\u00fcquqi \u015f\u0259xsdir. D\u00f6vl\u0259tin orada n\u0259 pay\u0131 var, n\u0259 d\u0259 ona h\u0259r hans\u0131 maliyy\u0259 d\u0259st\u0259yi verir. \u018fSF-nin f\u0259aliyy\u0259ti b\u00fct\u00f6vl\u00fckd\u0259 banklar t\u0259r\u0259find\u0259n maliyy\u0259l\u0259\u015fdirilir. Bununla bel\u0259 \u018fSF M\u0259rk\u0259zi Bank\u0131n simas\u0131nda d\u00f6vl\u0259t t\u0259r\u0259find\u0259n idar\u0259 olunur, lakin onun \u00f6hd\u0259likl\u0259rin\u0259 g\u00f6r\u0259 d\u00f6vl\u0259t v\u0259 M\u0259rk\u0259zi Bank m\u0259suliyy\u0259t da\u015f\u0131m\u0131r (\u201c\u018fman\u0259tl\u0259rin s\u0131\u011fortalanmas\u0131 haqq\u0131nda\u201d Qanunun 3.4-c\u00fc madd\u0259sind\u0259 \u0259sas\u0259n). \u018fslind\u0259, bu, d\u00fcnya t\u0259cr\u00fcb\u0259sin\u0259 uy\u011fun deyil. Bel\u0259 ki, xaricd\u0259 bel\u0259 fondlara dair \u0259sas\u0259n iki yoldan biri se\u00e7ilir: 1) banklarla yana\u015f\u0131 d\u00f6vl\u0259t d\u0259 fonda maliyy\u0259 d\u0259st\u0259yi verir v\u0259 \u0259man\u0259tl\u0259r\u0259 g\u00f6r\u0259 m\u0259suliyy\u0259ti \u0259n az\u0131 qism\u0259n \u00f6z \u00fcz\u0259rin\u0259 g\u00f6t\u00fcr\u00fcr, buna g\u00f6r\u0259 d\u0259 fondu idar\u0259 edir; 2) d\u00f6vl\u0259t bu m\u0259s\u0259l\u0259y\u0259 qar\u0131\u015fm\u0131r, fond (v\u0259 ya fondlar) \u00f6z\u0259ldir, b\u00fct\u00f6vl\u00fckd\u0259 banklar t\u0259r\u0259find\u0259n maliyy\u0259l\u0259\u015fdirilir v\u0259 idar\u0259 olunur. Bizd\u0259 is\u0259 maliyy\u0259\u015fdirm\u0259ni banklar, idar\u0259etm\u0259ni is\u0259 M\u0259rk\u0259zi Bank h\u0259yata ke\u00e7irir. Bu zaman he\u00e7 bilinmir d\u0259 ki, \u018fSF (oxu: M\u0259rk\u0259zi Bank!) banklar\u0131n maliyy\u0259 v\u0259saitl\u0259rini harada v\u0259 nec\u0259 saxlay\u0131r. Ba\u015fqa s\u00f6zl\u0259, banklar\u0131n \u018fSF-y\u0259 \u00f6d\u0259diyi v\u0259sait faktiki olaraq M\u0259rk\u0259zi Banka veril\u0259n \u201cx\u0259rac\u201dd\u0131r. S\u0131\u011fortalanan \u0259man\u0259tl\u0259r \u00fc\u00e7\u00fcn yuxar\u0131 faiz d\u0259r\u0259c\u0259sinin bird\u0259n-bir\u0259 9%-d\u0259n 12%-d\u0259k art\u0131r\u0131lmas\u0131, o c\u00fcml\u0259d\u0259n bunu da t\u0259sdiq edir. Bel\u0259 ki, devalvasiyadan sonra n\u0259yin bahas\u0131na olursa-olsun \u0259halini \u015firnikl\u0259ndir\u0259r\u0259k \u0259man\u0259tl\u0259rin \u00e7\u0131xar\u0131lmas\u0131n\u0131n qar\u015f\u0131s\u0131n\u0131 almaq \u00fc\u00e7\u00fcn banklar \u0259man\u0259tl\u0259r \u00fczr\u0259 faiz d\u0259r\u0259c\u0259l\u0259rini 9 faizd\u0259n yuxar\u0131 qald\u0131rd\u0131. Y\u0259ni geni\u015f \u015f\u0259kild\u0259 s\u0131\u011fortalanmayan (\u018fSF-y\u0259 \u201cx\u0259rac\u201d \u00f6d\u0259nilm\u0259y\u0259n) \u0259man\u0259tl\u0259r c\u0259lb etm\u0259y\u0259 ba\u015flad\u0131lar. \u018fSF d\u0259 yuxar\u0131 h\u0259ddi art\u0131rd\u0131 ki, banklar \u0259man\u0259tl\u0259r \u00fczr\u0259 \u201cx\u0259rac\u201d\u0131 \u00f6d\u0259m\u0259yi davam etsinl\u0259r.\n<\/p>\n

\n Buna g\u00f6r\u0259 d\u0259 burada iki m\u00fch\u00fcm risk var. \u018fvv\u0259la, \u018fSF s\u0259r\u0259ncam\u0131nda olan maliyy\u0259 v\u0259saitini bat\u0131ra bil\u0259r. N\u0259zar\u0259t v\u0259 \u015f\u0259ffafl\u0131q olmayan yerd\u0259 h\u0259r \u015fey ola bil\u0259r. Buna g\u00f6r\u0259 d\u0259 \u018fSF-nin idar\u0259 edilm\u0259si banklara m\u0259nsub olmal\u0131d\u0131r ki, onlar \u00f6d\u0259dikl\u0259ri pula n\u0259zar\u0259t ed\u0259 bilsinl\u0259r. \u0130kinci risk daha m\u00fch\u00fcmd\u00fcr: eyni zamanda bir ne\u00e7\u0259 bank\u0131n m\u00fcflis oldu\u011fu t\u0259qdird\u0259 \u018fSF-nin v\u0259saiti ist\u0259nil\u0259n halda b\u00fct\u00fcn \u0259man\u0259t\u00e7il\u0259rin t\u0259l\u0259bl\u0259rini \u00f6d\u0259m\u0259y\u0259 \u00e7atmaya bil\u0259r. Bu halda d\u00f6vl\u0259tin \u00fcz\u0259rind\u0259 he\u00e7 bir m\u0259suliyy\u0259t yoxdur. Ba\u015fqa s\u00f6zl\u0259, \u0259man\u0259tl\u0259r batsa, d\u00f6vl\u0259tin kompensasiya \u00f6d\u0259m\u0259k v\u0259zif\u0259si yoxdur. Buna g\u00f6r\u0259 d\u0259 \u0259hali bilm\u0259lidir ki, \u201c\u018fman\u0259tiniz s\u0131\u011fortalan\u0131b!\u201d ifad\u0259sinin arxas\u0131nda qeyri-m\u00fc\u0259yy\u0259n statusa malik olan, qeyri-\u015f\u0259ffaf qaydada idar\u0259 olunan v\u0259 d\u00f6vl\u0259tin ona he\u00e7 bir aidiyyat\u0131 olmayan adi h\u00fcquqi \u015f\u0259xs dayan\u0131r.\n<\/p>\n

\n N\u0259tic\u0259ni h\u0259r k\u0259s \u00f6z\u00fc \u00e7\u0131xars\u0131n…\n<\/p>\n

\n
\n
\n P.S.
\n <\/b>
\n <\/i>
\n Son g\u00fcnl\u0259r M\u0259rk\u0259zi Banka istinad\u0259n deyilir ki, 1 fevraldan 1 martad\u0259k olan d\u00f6vrd\u0259 \u0259halinin \u0259man\u0259tl\u0259ri guya art\u0131b. Ba\u015fqa s\u00f6zl\u0259, guya manat\u0131n devalvasiyas\u0131na baxmayaraq, \u0259halinin bank sistemin\u0259 etibar\u0131 art\u0131b v\u0259 v\u0259t\u0259nda\u015flar banklara daha \u00e7ox \u0259man\u0259t qoyub. H\u0259qiq\u0259t\u0259n, \u0259g\u0259r fevral\u0131n 1-n\u0259 \u0259halinin \u0259man\u0259tl\u0259ri 7121,3 mln. manat t\u0259\u015fkil edirdis\u0259, 1 mart tarixin\u0259 7932,7 manat t\u0259\u015fkil edib. Y\u0259ni fevral ay\u0131nda art\u0131m 811,4 mln. manat v\u0259 ya 11,39 faiz t\u0259\u015fkil edib. Lakin burada iki \u201c\u0259mma\u201d var (devalvasiyadan sonra mart\u0131n 1-d\u0259k c\u0259mi 5 i\u015f g\u00fcn\u00fc qald\u0131\u011f\u0131n\u0131 he\u00e7 demir\u0259m, halbuki bu da m\u00fch\u00fcmd\u00fcr, \u00e7\u00fcnki insanlar ilk g\u00fcnl\u0259rd\u0259 g\u00f6zl\u0259m\u0259 m\u00f6vqeyind\u0259 idil\u0259r).\n<\/p>\n

\n \u018fvv\u0259la, \u201c\u0259hali\u201d dedikd\u0259 yaln\u0131z v\u0259t\u0259nda\u015flar n\u0259z\u0259rd\u0259 tutulmur. H\u00fcquqi \u015f\u0259xsl\u0259r, o c\u00fcml\u0259d\u0259n iri d\u00f6vl\u0259t \u015firk\u0259tl\u0259ri d\u0259 ehtiva olunur. Dem\u0259li, istinad edil\u0259n r\u0259q\u0259m \u0259halinin \u0259hval-ruhiyy\u0259sini \u0259ks etdir\u0259 bilm\u0259z. Yax\u015f\u0131 olard\u0131 ki, M\u0259rk\u0259zi Bank bu r\u0259q\u0259ml\u0259rin arxas\u0131nda m\u0259hz v\u0259t\u0259nda\u015flara m\u0259nsub olan pay\u0131 da a\u00e7\u0131qlas\u0131n.\n<\/p>\n

\n Daha sonra, m\u0259lumdur ki, devalvasiydan \u00f6nc\u0259 fevral ay\u0131 boyunca insanlar \u0259ll\u0259rind\u0259 olan manatlar\u0131n\u0131, o c\u00fcml\u0259d\u0259n manat \u0259man\u0259tl\u0259rini dollara \u00e7evirirdil\u0259r. Buna g\u00f6r\u0259 d\u0259 t\u0259\u0259cc\u00fcbl\u00fc deyil ki, devalvasiydan sonra \u0259man\u0259tl\u0259rin manat ekvivalenti (!!!) artm\u0131\u015fd\u0131r. \u018flb\u0259tt\u0259, 34 faizd\u0259n \u00e7ox devalvasiya olunmu\u015f manat\u0131n fonunda \u0259man\u0259tl\u0259rin manatla nominal d\u0259y\u0259rinin 11,39 faiz artmas\u0131 \u0259man\u0259tl\u0259rin artmas\u0131 dem\u0259k deyil.\n<\/p>\n

\n \u018fkr\u0259m H\u0259s\u0259nov\n<\/p><\/p>\n","protected":false},"excerpt":{"rendered":"

“M\u0259rk\u0259zi Bank da son g\u00fcnl\u0259r sanki bu n\u00f6v insanlar\u0131n \u00fcmidini q\u0131rmayaraq manat\u0131n m\u0259z\u0259nn\u0259si il\u0259 oynay\u0131r”<\/p>\n","protected":false},"author":11,"featured_media":22911,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","footnotes":""},"categories":[56],"tags":[],"class_list":["post-167595","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-xeberler","infinite-scroll-item","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-33","no-featured-image-padding"],"acf":[],"yoast_head":"\n\u018fhalinin bank \u0259man\u0259tl\u0259ri n\u0259 d\u0259r\u0259c\u0259d\u0259 s\u0131\u011fortal\u0131d\u0131r? (T\u0259hlil) - MEYDAN.TV<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.meydan.tv\/az\/article\/ehalinin-bank-emanetleri-ne-derecede-sigortalidir-tehlil\/\" \/>\n<meta property=\"og:locale\" content=\"az_AZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u018fhalinin bank \u0259man\u0259tl\u0259ri n\u0259 d\u0259r\u0259c\u0259d\u0259 s\u0131\u011fortal\u0131d\u0131r? 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(T\u0259hlil) - MEYDAN.TV","og_description":"\"M\u0259rk\u0259zi Bank da son g\u00fcnl\u0259r sanki bu n\u00f6v insanlar\u0131n \u00fcmidini q\u0131rmayaraq manat\u0131n m\u0259z\u0259nn\u0259si il\u0259 oynay\u0131r\"","og_url":"https:\/\/www.meydan.tv\/az\/article\/ehalinin-bank-emanetleri-ne-derecede-sigortalidir-tehlil\/","og_site_name":"MEYDAN.TV","article_published_time":"2015-04-17T14:45:24+00:00","og_image":[{"width":400,"height":400,"url":"https:\/\/www.meydan.tv\/wp-content\/uploads\/8319.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.meydan.tv\/az\/article\/ehalinin-bank-emanetleri-ne-derecede-sigortalidir-tehlil\/#article","isPartOf":{"@id":"https:\/\/www.meydan.tv\/az\/article\/ehalinin-bank-emanetleri-ne-derecede-sigortalidir-tehlil\/"},"author":{"name":"user-manager","@id":"https:\/\/www.meydan.tv\/az\/#\/schema\/person\/10d11eccf6da3662cf5fdab9806ea91a"},"headline":"\u018fhalinin bank \u0259man\u0259tl\u0259ri n\u0259 d\u0259r\u0259c\u0259d\u0259 s\u0131\u011fortal\u0131d\u0131r? 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