{"id":168440,"date":"2015-06-15T18:22:17","date_gmt":"2015-06-15T18:22:17","guid":{"rendered":"https:\/\/www.meydan.tv\/article\/banklardaki-kredit-borclari-artir\/"},"modified":"2015-06-15T18:22:17","modified_gmt":"2015-06-15T18:22:17","slug":"banklardaki-kredit-borclari-artir","status":"publish","type":"post","link":"https:\/\/www.meydan.tv\/az\/article\/banklardaki-kredit-borclari-artir\/","title":{"rendered":"Banklardak\u0131 kredit borclar\u0131 art\u0131r"},"content":{"rendered":"<figure class=\"wp-block-image size-large\">\n  <img decoding=\"async\" src=\"https:\/\/www.meydan.tv\/az\/27030\/\" alt=\"\" class=\"wp-image-27030\"\/><figcaption><\/figcaption><\/figure>\n<figure class=\"wp-block-image size-large\">\n  <img decoding=\"async\" src=\"https:\/\/www.meydan.tv\/az\/27030\/\" alt=\"\" class=\"wp-image-27030\"\/><figcaption><\/figcaption><\/figure>\n<p>\n  <i><br \/>\n    Qubad \u0130bado\u011flu: &#8220;Kredit qoyulu\u015flar\u0131n\u0131n azalmas\u0131 il\u0259 yana\u015f\u0131 vaxt\u0131 ke\u00e7mi\u015f borclar\u0131n da artmas\u0131 banklar\u0131n kredit portfelini idar\u0259etm\u0259 riskinin y\u00fcks\u0259lm\u0259sinin g\u00f6st\u0259ricidir&#8221;<br \/>\n  <\/i>\n<\/p>\n<p>\n  &#8220;\u0130qtisadiyyatda kredit qoyulu\u015flar\u0131 a\u015fa\u011f\u0131 d\u00fc\u015f\u00fcr, vaxt\u0131 ke\u00e7mi\u015f borclar da art\u0131r&#8221;. Bunu \u00f6z Facebook s\u0259hif\u0259sind\u0259 iqtisad\u00e7\u0131 Qubad \u0130bado\u011flu yaz\u0131b. \u0130qtisad\u00e7\u0131 fikirl\u0259rini M\u0259rk\u0259zi Bank\u0131n a\u00e7\u0131qlamalar\u0131 il\u0259 \u0259sasland\u0131r\u0131b: &#8220;M\u0259rk\u0259zi Bank\u0131n son a\u00e7\u0131qlamas\u0131na g\u00f6r\u0259, may\u0131n 1-n\u0259 \u00f6lk\u0259 \u00fczr\u0259 c\u0259mi kredit qoyulu\u015flar\u0131 20 milyard 595 milyon 500 min manat t\u0259\u015fkil edib ki, bu da \u0259vv\u0259lki ayla m\u00fcqayis\u0259d\u0259 36,8 milyon manat v\u0259 ya 0,18 faiz azd\u0131r. Kredit qoyulu\u015funda cari ilin mart-aprel aylar\u0131ndak\u0131 m\u00fc\u015fahid\u0259 olunan art\u0131mdan sonra may ay\u0131nda m\u00fc\u015fahid\u0259 olunan azalma i\u015fg\u00fczar aktivliyin a\u015fa\u011f\u0131 d\u00fc\u015fm\u0259si fakt\u0131 kimi d\u0259 qiym\u0259tl\u0259ndiril\u0259 bil\u0259rdi. Lak\u0131n t\u0259hlill\u0259r g\u00f6st\u0259rir ki, azalman\u0131n ba\u015f verm\u0259si \u0259sas\u0259n banklarda olan manat q\u0131tl\u0131\u011f\u0131 s\u0259b\u0259bind\u0259n manatla yeni kredit x\u0259tl\u0259rinin a\u00e7\u0131lmas\u0131 il\u0259 ba\u011fl\u0131d\u0131r. Bu tendensiya bu ilin yanvar\u0131ndan ba\u015flam\u0131\u015f v\u0259 fevral devalvasiyas\u0131ndan sonra daha da s\u00fcr\u0259tl\u0259nmi\u015fdir. Bel\u0259 ki, yanvar ay\u0131nin \u0259vv\u0259lin\u0259 olan v\u0259ziyy\u0259tl\u0259 m\u00fcqayis\u0259d\u0259 may\u0131n \u0259vv\u0259lind\u0259 manatla olan kredit qoyulu\u015flar\u0131 1 milyard 543 milyon 400 min manat azal\u0131b&#8221;.\n<\/p>\n<p>\n  \u0130qtisad\u00e7\u0131 deyir ki, kredit qoyulu\u015flar\u0131n\u0131n azalmas\u0131 il\u0259 yana\u015f\u0131 vaxt\u0131 ke\u00e7mi\u015f borclar\u0131n da artmas\u0131 banklar\u0131n kredit portfelini idar\u0259etm\u0259 riskinin y\u00fcks\u0259lm\u0259sinin g\u00f6st\u0259ricidir: &#8220;Bu ilin may\u0131n 1-n\u0259 vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rin c\u0259mi kreditl\u0259rd\u0259 pay\u0131 2013-c\u00fc ilin mart ay\u0131ndan sonra \u0259n y\u00fcks\u0259k s\u0259viyy\u0259d\u0259 &#8211; 6,1 faiz olub. H\u0259min tarix\u0259 qeyd\u0259 al\u0131nan vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rin valyutalar \u00fczr\u0259 t\u0259hlili g\u00f6st\u0259rir problemli kreditl\u0259rin \u00e7ox hiss\u0259si manatla olan kreditl\u0259\u015fm\u0259d\u0259 ( \u00fcmumi yekunda pay\u0131 7,1 faiz), az hiss\u0259si is\u0259 xarici valyuta il\u0259 olan kreditl\u0259rd\u0259 (c\u0259md\u0259 x\u00fcsusi \u00e7\u0259kisi 4,67 faiz) qeyd\u0259 al\u0131n\u0131b. Bununla yana\u015f\u0131 vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rin kredit qoyulu\u015flar\u0131n\u0131n m\u00fcdd\u0259ti \u00fczr\u0259 t\u0259hlili d\u0259 maraql\u0131 n\u0259tic\u0259l\u0259r t\u0259qdim edir. Bel\u0259 ki, manatla q\u0131sam\u00fcdd\u0259tli kredit qoyulu\u015flar\u0131 \u00fczr\u0259 vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rin pay\u0131 13,4 faiz, xarici valyuta il\u0259 vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rin \u00fcmumi yekunda pay\u0131 7,4 faiz qeyd\u0259 al\u0131n\u0131b. G\u00f6r\u00fcnd\u00fcy\u00fc kimi, \u00fcmumiyy\u0259tl\u0259, q\u0131sam\u00fcdd\u0259tli kredit qoyulu\u015flar\u0131 \u00fczr\u0259 bu g\u00f6st\u0259rici orta s\u0259viyy\u0259d\u0259n (6,1 faizd\u0259n) xeyli yuxa\u0131d\u0131r. Dem\u0259li, vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259r \u0259sas\u0259n istehlak kreditl\u0259\u015fm\u0259sind\u0259 m\u00fc\u015fahid\u0259 olunur. Bu is\u0259 o dem\u0259kdir ki, vaxt\u0131nda kreditini qaytara bilm\u0259y\u0259n v\u0259t\u0259nda\u015flar\u0131n say\u0131 durmadan art\u0131r. Hesab edir\u0259m ki, bu indikator h\u0259m d\u0259 \u00f6lk\u0259d\u0259 sosial v\u0259ziyy\u0259tin a\u011f\u0131rla\u015fmas\u0131n\u0131n g\u00f6st\u0259ricisi say\u0131la bil\u0259r. T\u0259\u0259ss\u00fcfl\u0259r olsun ki, banklara olan borclar\u0131na t\u0259rkibind\u0259 \u015f\u00fcbh\u0259li v\u0259 \u00fcmidsiz kreditl\u0259rin pay\u0131 a\u00e7\u0131qlanmad\u0131\u011f\u0131ndan biz v\u0259ziyy\u0259ti tam qiym\u0259tl\u0259ndir\u0259 bilmirik. Lakin ayd\u0131n x\u0259tt \u00fczr\u0259 m\u00fc\u015fahid\u0259 olunan daha bir t\u0259hl\u00fck\u0259li tendensiya da m\u00f6vcuddur ki, getdikc\u0259 \u015f\u00fcbh\u0259li borclar \u00fcmidsiz borlcara \u00e7evrilm\u0259kd\u0259dir&#8221;.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Qubad \u0130bado\u011flu: &#8220;Kredit qoyulu\u015flar\u0131n\u0131n azalmas\u0131 il\u0259 yana\u015f\u0131 vaxt\u0131 ke\u00e7mi\u015f borclar\u0131n da artmas\u0131 banklar\u0131n kredit portfelini idar\u0259etm\u0259 riskinin y\u00fcks\u0259lm\u0259sinin g\u00f6st\u0259ricidir&#8221;<\/p>\n","protected":false},"author":11,"featured_media":27030,"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-168440","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":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - 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