{"id":167647,"date":"2015-04-22T21:24:29","date_gmt":"2015-04-22T21:24:29","guid":{"rendered":"https:\/\/www.meydan.tv\/article\/konstitusiya-mehkemesi-banklarin-xeyrine-qerar-cixaracaq-video\/"},"modified":"2015-04-22T21:24:29","modified_gmt":"2015-04-22T21:24:29","slug":"konstitusiya-mehkemesi-banklarin-xeyrine-qerar-cixaracaq-video","status":"publish","type":"post","link":"https:\/\/www.meydan.tv\/az\/article\/konstitusiya-mehkemesi-banklarin-xeyrine-qerar-cixaracaq-video\/","title":{"rendered":"“Konstitusiya M\u0259hk\u0259m\u0259si banklar\u0131n xeyrin\u0259 q\u0259rar \u00e7\u0131xaracaq” (V\u0130DEO)"},"content":{"rendered":"
\n
\n <\/iframe>\n <\/div>
<\/figcaption><\/figure>\n

\n
\n “\u0130ndi el\u0259 v\u0259ziyy\u0259t yaran\u0131b ki, aktivi harda saxlama\u011f\u0131n \u00f6z\u00fc problemdir”
\n <\/b>\n<\/p>\n

\n Bir m\u00fcdd\u0259tdir Facebook-da Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n f\u0259aliyy\u0259tini s\u0259rt t\u0259nqid h\u0259d\u0259fin\u0259 alan \u018fkr\u0259m H\u0259s\u0259nlinin \u00e7\u0131x\u0131\u015flar\u0131 Meydan TV-d\u0259 d\u0259rc olunur. \u018fkr\u0259m H\u0259s\u0259nlinin\u00a0 m\u00f6vqeyin\u0259 m\u00fcnasib\u0259t birm\u0259nal\u0131 olmad\u0131\u011f\u0131ndan sual do\u011furan m\u0259qamlar \u0259sas\u0131nda oxucular\u0131 narahat ed\u0259n m\u0259s\u0259l\u0259l\u0259r\u0259 ayd\u0131nl\u0131q g\u0259tirm\u0259y\u0259 c\u0259hd etdik.\n<\/p>\n

\n
\n – \u018fkr\u0259m m\u00fc\u0259llim, ilk sual\u0131m \u0259n\u0259n\u0259vidir, niy\u0259 m\u0259hz M\u0259rk\u0259zi Bank\u0131 h\u0259d\u0259f\u0259 al\u0131rs\u0131n\u0131z?
\n <\/b>\n<\/p>\n

\n – \u018fvv\u0259la, h\u0259r k\u0259s bildiyi m\u0259s\u0259l\u0259l\u0259r haqq\u0131nda \u00f6z fikrini bildirm\u0259lidir. 10 ild\u0259n \u00e7ox bank sistemind\u0259, o c\u00fcml\u0259d\u0259n, M\u0259rk\u0259zi Bankda \u00e7al\u0131\u015fm\u0131\u015fam. Bank sistemi il\u0259 yax\u0131ndan tan\u0131\u015f oldu\u011fum \u00fc\u00e7\u00fcn Az\u0259rbaycanda bank h\u00fcququna dair ilk kitab\u0131 da m\u0259n n\u0259\u015fr etdirmi\u015f\u0259m. \u018fslind\u0259, indi g\u00fcnd\u0259m\u0259 g\u0259tirdiyim probleml\u0259ri 8-9 il \u0259vv\u0259l d\u0259 qald\u0131rm\u0131\u015fam.\n<\/p>\n

\n
\n – M\u0259rk\u0259zi Bank\u0131n r\u0259hb\u0259rliyinin qar\u015f\u0131s\u0131nda da?
\n <\/b>\n<\/p>\n

\n \u00a0– B\u0259li.\n<\/p>\n

\n
\n – Y\u0259ni MB s\u0259dri il\u0259 he\u00e7 bir \u015f\u0259xsi-q\u0259r\u0259zliyiniz yoxdur?
\n <\/b>\n<\/p>\n

\n – Xeyr. M\u0259nim “Az\u0259rbaycan\u0131n bank h\u00fcququ” kitab\u0131m iki d\u0259f\u0259 n\u0259\u015fr olunub, ikinci n\u0259\u015fri \u0259vv\u0259lc\u0259d\u0259n MB s\u0259drin\u0259 g\u00f6nd\u0259rmi\u015f\u0259m v\u0259 xahi\u015f etmi\u015f\u0259m ki, n\u0259 fikirl\u0259ri varsa, bildirsinl\u0259r. M\u0259ktubda da yazm\u0131\u015fam ki, ist\u0259nil\u0259n qeydl\u0259ri kitab\u0131mda \u0259ks etdir\u0259c\u0259m. Amma verdiyim vaxt \u0259rzind\u0259 cavab g\u0259lm\u0259diyind\u0259n kitabda “\u00e7ox g\u00fcman ki, MB-nin t\u0259nqidl\u0259rim\u0259 etiraz\u0131 yoxdur” – dey\u0259 yazd\u0131m. Susmaq raz\u0131l\u0131q \u0259lam\u0259tidir. M\u0259n yeni he\u00e7 n\u0259 demir\u0259m v\u0259 bank sistemind\u0259 \u00e7al\u0131\u015fd\u0131\u011f\u0131m zaman da bu bar\u0259d\u0259 dan\u0131\u015fm\u0131\u015fam.\n<\/p>\n

\n –
\n
\n B\u0259s 7-8 il \u0259vv\u0259l hans\u0131 t\u0259klifl\u0259ri vermi\u015fdiniz?
\n <\/b>\n<\/p>\n

\n – 2006-c\u0131 ild\u0259 “Bank of Baku”un h\u00fcquq departamentinin r\u0259hb\u0259ri olanda Az\u0259rbaycan milli valyutas\u0131ndan k\u0259nar dig\u0259r valyutalar\u0131n \u00f6lk\u0259d\u0259 istifad\u0259sinin konstitusiyaya v\u0259 M\u00fclki M\u0259c\u0259ll\u0259y\u0259 zidd olmas\u0131 bar\u0259d\u0259 m\u0259qal\u0259m d\u0259rc edildi. M\u0259qal\u0259d\u0259 qanunvericiliyimizd\u0259 ciddi probleml\u0259rin oldu\u011funu demi\u015f\u0259m, bunlar d\u0259yi\u015fm\u0259yinc\u0259, xarici valyutadan, o c\u00fcml\u0259d\u0259n, bank-kredit m\u00fcnasib\u0259tl\u0259rind\u0259 d\u0259 istifad\u0259 edil\u0259 bilm\u0259z. M\u0259rk\u0259zi Bankda \u00e7al\u0131\u015fanda bu bar\u0259d\u0259 s\u00f6z\u00fcm\u00fc demi\u015f\u0259m, qanunvericiliyin d\u0259yi\u015film\u0259sinin vacibliyini vur\u011fulam\u0131\u015fam. Sad\u0259c\u0259, m\u0259n\u0259 “he\u00e7 bir problem yoxdur”-deyibl\u0259r. \u00c7ox dar \u00e7\u0259r\u00e7iv\u0259d\u0259 yazd\u0131qlar\u0131m oxundu\u011fundan geni\u015f ictimaiyy\u0259tin bundan x\u0259b\u0259ri yox idi. Devalvasiyadan sonra bu probleml\u0259r geni\u015f ictimaiyy\u0259t \u00fc\u00e7\u00fcn daha b\u00f6y\u00fck \u0259h\u0259miyy\u0259t k\u0259sb etdiyind\u0259n Facebook-da d\u00fc\u015f\u00fcnc\u0259l\u0259rimi yazd\u0131m.\n<\/p>\n

\n –
\n
\n M\u0259rk\u0259zi Bank\u0131n “dilinin q\u0131sa” oldu\u011funu yazm\u0131s\u0131n\u0131z v\u0259 MB-n\u0131n 21 fevral q\u0259rar\u0131ndan sonra banklara n\u0259zar\u0259tinin yum\u015fald\u0131\u011f\u0131n\u0131 da s\u00f6yl\u0259misiniz. “Dili q\u0131sa” oldu\u011fu \u00fc\u00e7\u00fcn n\u0259zar\u0259ti yum\u015fald\u0131r?
\n <\/b>\n<\/p>\n

\n – M\u0259rk\u0259zi Bank\u0131n bank n\u0259zar\u0259tini h\u0259yata ke\u00e7irm\u0259si \u0259n qabaqc\u0131l Avropa t\u0259cr\u00fcb\u0259sin\u0259 uy\u011fun deyil. Qabaqc\u0131l t\u0259cr\u00fcb\u0259 onu g\u00f6st\u0259rir ki, bank n\u0259zar\u0259ti \u00fc\u00e7\u00fcn d\u00f6vl\u0259t x\u00fcsusi bir orqan t\u0259sis edir. Az\u0259rbaycanda is\u0259 MB h\u0259m pul burax\u0131r, h\u0259m banka kredit verir, eyni zamanda, banklar \u00fcz\u0259rind\u0259 n\u0259zar\u0259t edir. Bu, d\u00fczg\u00fcn deyil. Bizim bank n\u0259zar\u0259timiz \u0259n qabaqc\u0131l \u00f6lk\u0259l\u0259rin n\u0259zar\u0259tind\u0259n onunla f\u0259rql\u0259nir ki,\u00a0 M\u0259rk\u0259zi Bank\u0131n banklara dair qaydalar\u0131 \u00e7ox s\u0259rtdir. Az\u0259rbaycanda 40-a yax\u0131n bank var, \u0259g\u0259r onlar\u0131n s\u0259n\u0259dl\u0259ri il\u0259 yax\u0131ndan tan\u0131\u015f olsam, kifay\u0259t q\u0259d\u0259r onlar\u0131n MB \u0259sasnam\u0259sini pozduqlar\u0131n\u0131 taparam v\u0259 onlardan bank lisenziyas\u0131n\u0131n al\u0131nmas\u0131 \u00fc\u00e7\u00fcn \u0259saslar da var. Bu, banklar\u0131n pis olmas\u0131 anlam\u0131na g\u0259lmir, sad\u0259c\u0259, \u0259sasnam\u0259 el\u0259 yaz\u0131l\u0131b ki, onlar\u0131 pozmamaq m\u00fcmk\u00fcn deyil. Bu, banklar\u0131n MB-dan qorxmas\u0131 \u00fc\u00e7\u00fcn edilir. Amma h\u0259m d\u0259 MB il\u0259 banklar aras\u0131nda he\u00e7 yerd\u0259 qeyd olunmayan, yaz\u0131lmayan raz\u0131l\u0131q var. MB onlara k\u00f6m\u0259k edir. Y\u0259ni \u00f6z siyas\u0259tini \u0259vv\u0259lc\u0259d\u0259n bildirir.\n<\/p>\n

\n –
\n
\n H
\n <\/b>
\n
\n \u0259m d\u0259 M
\n <\/b>
\n
\n \u0259rk\u0259zi
\n <\/b>
\n
\n B
\n <\/b>
\n
\n ank\u0131n
\n <\/b>
\n
\n qanunla \u00f6z s\u0259lah\u0259yy\u0259tl\u0259rind\u0259n istifad\u0259 etm\u0259diyini d\u0259 bildirmi\u015fdiniz…
\n <\/b>\n<\/p>\n

\n – B\u0259li. Bu, m\u0259hz 21 fevral devalvasiya q\u0259rar\u0131ndan sonra ba\u015flad\u0131. MB 21 fevral q\u0259rar\u0131 il\u0259 n\u0259inki \u0259halini, ilk n\u00f6vb\u0259d\u0259, banklar\u0131 aldatd\u0131. \u018fhali il\u0259 b\u0259rab\u0259r banklar da xeyli z\u0259r\u0259r \u00e7\u0259kdi. Y\u0259ni \u0259vv\u0259lc\u0259d\u0259n banklara x\u0259b\u0259r verilm\u0259li idi. Bax\u0131n, 21 fevraldan bir ne\u00e7\u0259 g\u00fcn \u0259vv\u0259l MB s\u0259dri he\u00e7 bir devalvasiya olmayaca\u011f\u0131n\u0131 deyir, amma sonra q\u0259rar verir. M\u0259hz bundan sonra banklar \u00e7\u0259tin duruma d\u00fc\u015f\u00fcrl\u0259r v\u0259 MB bank n\u0259zar\u0259ti al\u0259tl\u0259rinin b\u0259zil\u0259rind\u0259n imtina edirs\u0259, b\u0259zil\u0259rini yum\u015fald\u0131r. M\u0259n el\u0259 MB-nin “dili q\u0131sad\u0131r” dey\u0259nd\u0259, bunlar\u0131 n\u0259z\u0259rd\u0259 tutmu\u015fdum.\n<\/p>\n

\n –
\n
\n G\u0259lin, bir m\u0259qam\u0131 ayd\u0131nla\u015fd\u0131raq, 21 fevral q\u0259rar\u0131na z\u0259rur\u0259t var idimi?
\n <\/b>\n<\/p>\n

\n – B\u0259li. Amma \u0259sas problemi devalvasiyan\u0131n \u00f6z\u00fcnd\u0259 g\u00f6rm\u00fcr\u0259m. \u00c7\u00fcnki ba\u015fqa \u00f6lk\u0259l\u0259rin d\u0259 milli valyutalar\u0131 devalvasiya olundu\u011fundan burda qeyri-adi bir \u015fey yoxdur. Bu, d\u00fcnyada ba\u015f ver\u0259n siyasi, qlobal iqtisadi prosesl\u0259r, neftin qiym\u0259ti v\u0259 ba\u015fqa m\u0259qamlarla ba\u011fl\u0131 oldu\u011fundan yerli valyutaya t\u0259sir g\u00f6st\u0259rir. S\u00f6hb\u0259t devalvasiyan\u0131n bu \u015f\u0259kild\u0259 apar\u0131lmas\u0131ndan gedir. MB \u00f6t\u0259n ild\u0259n \u0259hali v\u0259 \u00f6lk\u0259 r\u0259hb\u0259rliyin\u0259 yanl\u0131\u015f m\u0259lumatlar verm\u0259k \u0259v\u0259zin\u0259 do\u011frunu deyib, yum\u015faq devalvasiyaya ba\u015flaya bil\u0259rdi.\n<\/p>\n

\n –
\n
\n Bu m\u0259nada n\u00f6vb\u0259ti devalvasiya g\u00f6zl\u0259nilirmi?
\n <\/b>\n<\/p>\n

\n – N\u00f6vb\u0259ti devalvasiya t\u0259hl\u00fck\u0259si \u00e7ox b\u00f6y\u00fckd\u00fcr. Amma qabaqcadan he\u00e7 kim he\u00e7 n\u0259 dey\u0259 bilm\u0259z. T\u0259hl\u00fck\u0259 onunla ba\u011fl\u0131d\u0131r ki, neftin qiym\u0259tinin artmas\u0131nda \u0259sas g\u00f6r\u00fcnm\u00fcr.\n<\/p>\n

\n –
\n
\n Y\u0259ni neftin qiym\u0259ti 50-70 dollar civar\u0131nda qalaca\u011f\u0131 t\u0259qdird\u0259 devalvasiya olacaq?
\n <\/b>\n<\/p>\n

\n – B\u0259li.\n<\/p>\n

\n –
\n
\n Yen\u0259 33 faiz, yoxsa…?
\n <\/b>\n<\/p>\n

\n – Y\u0259qin az olar. M\u0259rk\u0259zi Bank\u0131n devalvasiyan\u0131 bu \u015f\u0259kild\u0259 aparmas\u0131n\u0131n t\u0259hl\u00fck\u0259si odur ki, n\u00f6vb\u0259ti devalvasiyaya \u0259sas yaratd\u0131. \u018fg\u0259r \u00f6t\u0259n ild\u0259n devalvasiyaya t\u0259dric\u0259n gedils\u0259ydi, \u0259halinin milli valyutaya etimad\u0131 indiki \u015f\u0259kild\u0259 olmazd\u0131. \u0130ndi v\u0259ziyy\u0259t o h\u0259dd\u0259dir ki, \u0259lind\u0259 milli valyuta olanlar onu dollara \u00e7evirir. Bu da n\u00f6vb\u0259ti devalvasiyan\u0131n \u0259sas\u0131n\u0131 qoyur. \u00c7\u00fcnki kims\u0259 pulunu dollara d\u0259yi\u015f\u0259nd\u0259 M\u0259rk\u0259zi Bank\u0131n valyuta ehtiyaclar\u0131 \u0259riyir.\n<\/p>\n

\n –
\n
\n Ke\u00e7\u0259k \u0259halini qay\u011f\u0131land\u0131ran m\u0259qamlara
\n <\/b>
\n
\n ;
\n <\/b>
\n
\n x\u00fcsus\u0259n \u018fman\u0259tl\u0259rin S\u0131\u011fortalanmas\u0131 Fondu bar\u0259d\u0259 yazd\u0131qlar\u0131n\u0131zdan bel\u0259 n\u0259tic\u0259 \u00e7\u0131x\u0131r ki, Beyn\u0259lxalq Bank v\u0259 Az\u0259ri-T\u00fcrk Bankdan ba\u015fqa dig\u0259rl\u0259ri \u0259man\u0259tl\u0259rin s\u0131\u011fortalanmas\u0131nda qeyri-m\u00fc\u0259yy\u0259n statusa malikdir. Bu m\u0259nada \u0259man\u0259ti olan v\u0259t\u0259nda\u015flar n\u0259 etm\u0259lidir, \u00e7\u0131x\u0131\u015f yolunu g\u00f6st\u0259r\u0259 bil\u0259rsinizmi?
\n <\/b>\n<\/p>\n

\n – M\u0259n iqtisad\u00e7\u0131 yox, h\u00fcquq\u015f\u00fcnas oldu\u011fumdan daha \u00e7ox h\u00fcquqi yollar\u0131 g\u00f6st\u0259r\u0259 bil\u0259r\u0259m. Birincisi, m\u0259nim v\u0259zif\u0259m izah etm\u0259kdir, \u0259halid\u0259 ayd\u0131n fikir yoxdur, banka gedir, bankda deyirl\u0259r ki, pulun s\u0131\u011fortalan\u0131b, he\u00e7 bir problem yoxdur. Ancaq \u0259halinin pulunu d\u00f6vl\u0259t s\u0131\u011fortalamay\u0131b. hans\u0131sa fond s\u0131\u011fortalay\u0131b, onun da pulunu banklar \u00f6d\u0259yir, pulun nec\u0259 idar\u0259 olunmas\u0131 is\u0259 bilinmir. H\u0259m d\u0259 banklar\u0131n fonddak\u0131 pulu idar\u0259etm\u0259 s\u0259lahiyy\u0259ti yoxdur, yen\u0259 MB idar\u0259 edir. Sabah fondun \u00f6z\u00fc d\u0259 m\u00fcflisl\u0259\u015f\u0259 bil\u0259r. Bu halda da d\u00f6vl\u0259t \u0259man\u0259tl\u0259r \u00fczr\u0259 he\u00e7 bir m\u0259suliyy\u0259t da\u015f\u0131m\u0131r, y\u0259ni b\u00fct\u00fcn m\u0259suliyy\u0259t yen\u0259 banklardad\u0131r. Bel\u0259 davam ed\u0259c\u0259yi t\u0259qdird\u0259 banklar\u0131n v\u0259ziyy\u0259ti g\u00fcnd\u0259n-g\u00fcn\u0259 pisl\u0259\u015f\u0259c\u0259k. Bu m\u0259nada m\u0259n \u00fcz\u0259rim\u0259 m\u0259suliyy\u0259t g\u00f6t\u00fcr\u00fcb “pulunuzu bankda, yoxsa evd\u0259 saxlay\u0131n”-dey\u0259 bilm\u0259r\u0259m. \u0130ndi el\u0259 v\u0259ziyy\u0259t yaran\u0131b ki, aktivi harda saxlama\u011f\u0131n \u00f6z\u00fc problemdir. Ona g\u00f6r\u0259 \u0259hali da\u015f\u0131nmaz \u0259mlak alma\u011fa \u00fcz tutub. Son aylarda m\u0259nzill\u0259rin qiym\u0259tinin artmas\u0131 da bu amill\u0259 ba\u011fl\u0131d\u0131r. Amma da\u015f\u0131nmaz \u0259mlak\u0131n da qiym\u0259ti bir m\u00fcdd\u0259td\u0259n sonra enm\u0259y\u0259 ba\u015flayacaq.\n<\/p>\n

\n –
\n
\n Parlament se\u00e7kil\u0259rind\u0259n sonra…?
\n <\/b>\n<\/p>\n

\n – Ola bil\u0259r. \u00dcmumiyy\u0259tl\u0259, Az\u0259rbaycanda da\u015f\u0131nmaz \u0259mlak\u0131n qiym\u0259ti \u00e7ox bahad\u0131r. \u018fvv\u0259l-ax\u0131r qiym\u0259tl\u0259r enm\u0259lidir. Bu bax\u0131mdan \u0259halinin bir qismi \u0259lind\u0259ki pulu da\u015f\u0131nmaz \u0259mlaka yox, ba\u015fqa \u00f6lk\u0259l\u0259r\u0259 k\u00f6\u00e7\u00fcr\u00fcr.\n<\/p>\n

\n –
\n
\n Onlar da y\u0259qin varl\u0131 t\u0259b\u0259q\u0259dir?
\n <\/b>\n<\/p>\n

\n – Bug\u00fcnl\u0259rd\u0259 m\u0259n\u0259 40-50 min dollara \u015e\u0259rqi Avropa \u00f6lk\u0259l\u0259rind\u0259 da\u015f\u0131nmaz \u0259mlak alma\u011f\u0131n m\u00fcmk\u00fcnl\u00fcy\u00fcnu s\u00f6yl\u0259dil\u0259r. Orta t\u0259b\u0259q\u0259 \u00fc\u00e7\u00fcn b\u00f6y\u00fck pul deyil. Ancaq problem ondad\u0131r ki,\u00a0 xarici valyuta \u00f6lk\u0259d\u0259n k\u0259nara ax\u0131r. MB bunun qar\u015f\u0131s\u0131n\u0131 almal\u0131d\u0131r. Bu g\u00fcn ist\u0259nil\u0259n \u015f\u0259xs bank vasit\u0259sil\u0259 ist\u0259nil\u0259n q\u0259d\u0259r valyutan\u0131 xaric\u0259 k\u00f6\u00e7\u00fcr\u0259 bil\u0259r.\n<\/p>\n

\n –
\n
\n B\u0259s niy\u0259 alm\u0131r?
\n <\/b>\n<\/p>\n

\n – Bilmir\u0259m. Suala cavab verm\u0259k m\u0259nim \u00fc\u00e7\u00fcn d\u0259 \u00e7\u0259tindir. \u018fslind\u0259, MB-nin bu y\u00f6nd\u0259 add\u0131m atmamas\u0131 n\u00f6vb\u0259ti devalvasiyan\u0131n \u0259sas\u0131n\u0131 qoymaqd\u0131r. \u00c7\u00fcnki \u00f6lk\u0259d\u0259 valyuta ehtiyat\u0131 azal\u0131r.\n<\/p>\n

\n –
\n
\n \u018fkr\u0259m m\u00fc\u0259llim, yekunda Konstitusiya M\u0259hk\u0259m\u0259sinin 7 mayda g\u00f6zl\u0259nil\u0259n q\u0259rar\u0131 bar\u0259d\u0259 soru\u015fmaq ist\u0259yir\u0259m. Bu q\u0259rarla ba\u011fl\u0131 proqnozunuz n\u0259dir?
\n <\/b>\n<\/p>\n

\n – Konstitusiya M\u0259hk\u0259m\u0259si q\u0259rar ver\u0259c\u0259k ki, dollarla, yaxud dig\u0259r valyuta il\u0259 g\u00f6t\u00fcr\u00fcl\u0259n kredit h\u0259min valyutada qaytar\u0131lmal\u0131d\u0131r. \u018fg\u0259r milli valyutada qaytarmaq fikri varsa, \u0259vv\u0259lki m\u0259z\u0259nn\u0259 il\u0259 yox, indiki m\u0259z\u0259nn\u0259y\u0259 qaytar\u0131lmal\u0131d\u0131r. Q\u0131sa des\u0259k, Konstitusiya M\u0259hk\u0259m\u0259si banklar\u0131n xeyrin\u0259 q\u0259rar \u00e7\u0131xaracaq. M\u0259n bunu d\u00fczg\u00fcn q\u0259rar hesab edir\u0259m. \u00c7\u00fcnki qanunauy\u011fun v\u0259 m\u0259ntiqidir. \u018fg\u0259r dig\u0259r valyutada veril\u0259n kredit \u0259vv\u0259lki m\u0259z\u0259nn\u0259yl\u0259 qaytar\u0131lmal\u0131yd\u0131sa, o zaman xarici valyutada kredit verm\u0259yin \u0259h\u0259miyy\u0259ti yoxdur. H\u0259m d\u0259 eyni m\u0259s\u0259l\u0259 bank \u0259man\u0259tl\u0259rin\u0259 d\u0259 aid edil\u0259c\u0259k. Konstitusiya M\u0259hk\u0259m\u0259si \u0259ks q\u0259rar q\u0259bul ets\u0259, bu halda bank da dey\u0259 bil\u0259r ki, \u0259man\u0259ti \u0259vv\u0259lki m\u0259z\u0259nn\u0259yl\u0259 qaytaracaq. Bu da \u0259man\u0259t\u00e7inin xeyrin\u0259 deyil. D\u00fcnya t\u0259cr\u00fcb\u0259sind\u0259 d\u0259 \u0259vv\u0259lki m\u0259z\u0259nn\u0259yl\u0259 qaytar\u0131lma yoxdur. Sad\u0259c\u0259, Konstitusiya M\u0259hk\u0259m\u0259sinin m\u0259s\u0259l\u0259y\u0259 tez m\u00fcdd\u0259td\u0259 baxmas\u0131n\u0131 m\u00fcsb\u0259t hesab edir\u0259m. M\u0259hk\u0259m\u0259 instansiyalar\u0131 bax\u0131m\u0131ndan m\u0259n prosesin bir ne\u00e7\u0259 il \u00e7\u0259k\u0259c\u0259yini g\u00f6zl\u0259yirdim. \u0130ndid\u0259n Konstitusiya M\u0259hk\u0259m\u0259sinin m\u0259s\u0259l\u0259y\u0259 baxmas\u0131n\u0131n bank v\u0259 \u0259hali \u00fc\u00e7\u00fcn \u00fcst\u00fcnl\u00fckl\u0259ri var.\n<\/p>\n

\n –
\n
\n Ancaq b\u00fct\u00fcn hallarda \u0259hali z\u0259r\u0259r \u00e7\u0259k\u0259c\u0259k?
\n <\/b>\n<\/p>\n

\n – B\u0259li, bu, olacaq. Z\u0259r\u0259rin bir hiss\u0259sinin qar\u015f\u0131s\u0131n\u0131 almaq \u00fc\u00e7\u00fcn yol odur ki, Konstitusiyan\u0131n 19-cu madd\u0259sin\u0259 \u0259sas\u0259n xarici valyutadan \u00f6d\u0259ni\u015f vasit\u0259si kimi istifad\u0259 etm\u0259k olmaz. M\u00fclki M\u0259c\u0259ll\u0259nin 439.1 madd\u0259sin\u0259 g\u00f6r\u0259 yerli \u015f\u0259xsl\u0259r aras\u0131nda pul \u00f6hd\u0259liyi milli valyutada ola bil\u0259r. B\u0259li, bu m\u00fcdd\u0259alar xarici t\u0259cr\u00fcb\u0259y\u0259 uy\u011fun deyil. B\u00fct\u00fcn hallarda xarici valyutayla veril\u0259n kreditl\u0259r qanuna zidd oldu\u011fundan m\u00fcqavil\u0259l\u0259r etibars\u0131zd\u0131r. Banklardan bel\u0259 kreditl\u0259r alm\u0131\u015f v\u0259t\u0259nda\u015flar m\u0259hk\u0259m\u0259y\u0259 m\u0259hz bu iddiayla m\u00fcraci\u0259t etm\u0259lidirl\u0259r. Y\u0259ni bankdan dollarla kredit alm\u0131\u015fam, ona g\u00f6r\u0259 m\u00fcqavil\u0259ni etibars\u0131z hesab edin. M\u00fcqavil\u0259nin etibars\u0131z hesab edilm\u0259si o dem\u0259kdir ki, t\u0259r\u0259fl\u0259r biri-birind\u0259n ald\u0131\u011f\u0131n\u0131 geri qaytarmal\u0131d\u0131r.<\/p>\n","protected":false},"excerpt":{"rendered":"

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