{"id":169236,"date":"2015-08-03T13:35:44","date_gmt":"2015-08-03T13:35:44","guid":{"rendered":"https:\/\/www.meydan.tv\/article\/samir-eliyev-merkezi-bank-limiti-aradan-qaldirmalidir\/"},"modified":"2015-08-03T13:35:44","modified_gmt":"2015-08-03T13:35:44","slug":"samir-eliyev-merkezi-bank-limiti-aradan-qaldirmalidir","status":"publish","type":"post","link":"https:\/\/www.meydan.tv\/az\/article\/samir-eliyev-merkezi-bank-limiti-aradan-qaldirmalidir\/","title":{"rendered":"Samir \u018fliyev: M\u0259rk\u0259zi Bank limiti aradan qald\u0131rmal\u0131d\u0131r"},"content":{"rendered":"<figure class=\"wp-block-image size-large\">\n  <img decoding=\"async\" src=\"https:\/\/www.meydan.tv\/az\/30734\/\" alt=\"\" class=\"wp-image-30734\"\/><figcaption><\/figcaption><\/figure>\n<figure class=\"wp-block-image size-large\">\n  <img decoding=\"async\" src=\"https:\/\/www.meydan.tv\/az\/30734\/\" alt=\"\" class=\"wp-image-30734\"\/><figcaption><\/figcaption><\/figure>\n<p>\n  <i><br \/>\n    &#8220;M\u0259rk\u0259zi Bank\u0131n komisyon haqlar\u0131n\u0131 v\u0259 illik faiz d\u0259r\u0259c\u0259l\u0259rini inzibati yolla t\u0259nziml\u0259m\u0259si t\u0259\u015f\u0259bb\u00fcs\u00fc daha \u00e7ox bank olmayan kredit t\u0259\u015fkilatlar\u0131n\u0131 vuracaq&#8221;<br \/>\n  <\/i>\n<\/p>\n<p>\n  &#8220;M\u0259rk\u0259zi Bank\u0131n komisyon haqlar\u0131n\u0131n 1%-\u0259 sal\u0131nmas\u0131 v\u0259 kredit faizl\u0259rin\u0259 yuxar\u0131 tavan\u0131n t\u0259tbiqi il\u0259 ba\u011fl\u0131 g\u00f6st\u0259ri\u015fl\u0259ri bank sektorunun ba\u015f a\u011fr\u0131s\u0131na \u00e7evrilib&#8221;.\u00a0 Bu bar\u0259d\u0259 iqtisad\u00e7\u0131 Samir \u018fliyev \u00f6z Facebook s\u0259hif\u0259sind\u0259 yaz\u0131b. Onun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, M\u0259rk\u0259zi Bank\u0131n qeyri-r\u0259smi tap\u015f\u0131r\u0131\u011f\u0131 daha \u00e7ox sosial g\u0259rginliyin azald\u0131lmas\u0131na hesablan\u0131b: &#8220;T\u0259nziml\u0259yici qurum bu add\u0131m\u0131 il\u0259 banklar\u0131n sa\u011falmam\u0131\u015f devalvasiya \u201cyaralar\u0131n\u0131n\u201d \u00fcz\u0259rin\u0259 sanki duz s\u0259pdi. H\u0259m kreditl\u0259\u015fm\u0259nin z\u0259ifl\u0259m\u0259si, h\u0259m d\u0259 faiz d\u0259r\u0259c\u0259l\u0259rin\u0259 limitin qoyulmas\u0131 faiz g\u0259lirl\u0259rini k\u0259skin azaldacaq&#8221;.\n<\/p>\n<p>\n  \u0130qtisad\u00e7\u0131 qeyd edir ki, M\u0259rk\u0259zi Bank qeyr-r\u0259smi g\u00f6st\u0259ri\u015f verm\u0259kl\u0259 ikinci d\u0259f\u0259 \u00f6z s\u0259lahiyy\u0259tl\u0259rini a\u015fmaq yolunu tutdu. Bel\u0259 ki, \u201cBanklar haqq\u0131nda\u201d Qanunun 36-c\u0131 madd\u0259sin\u0259 g\u00f6r\u0259, h\u0259r bir bank m\u00fc\u015ft\u0259ril\u0259rl\u0259 ba\u011flad\u0131\u011f\u0131 m\u00fcqavil\u0259d\u0259 xidm\u0259t \u015f\u0259rtl\u0259rini, o c\u00fcml\u0259d\u0259n faiz d\u0259r\u0259c\u0259l\u0259rini, komisyon haqlar\u0131n\u0131 m\u00fc\u0259yy\u0259n etm\u0259kd\u0259 s\u0259rb\u0259stdir. M\u0259rk\u0259zi Bank\u0131n inzibati yolla komisyon haqlar\u0131n\u0131 endirm\u0259k v\u0259 faiz tavan\u0131 t\u0259tbiq etm\u0259k g\u00f6st\u0259ri\u015fini verm\u0259si qanuna ziddir. &#8220;Banklar\u0131 qanunun t\u0259l\u0259bl\u0259rin\u0259 \u0259m\u0259l etm\u0259y\u0259 d\u0259v\u0259t ed\u0259n M\u0259rk\u0259zi Bank bank qanunvericiliyini pozmaq yolunu tutur. M\u0259rk\u0259zi Bank uzaqba\u015f\u0131 banklara t\u00f6vsiy\u0259 ver\u0259 bil\u0259r. Bunu h\u0259yata ke\u00e7irm\u0259k is\u0259 banklar\u0131n \u00f6hd\u0259liyi yox, h\u00fcququdur&#8221; &#8211; dey\u0259, o vur\u011fulay\u0131r.\n<\/p>\n<p>\n  Samir \u018fliyev hesab edir ki, M\u0259rk\u0259zi Bank\u0131n komisyon haqlar\u0131n\u0131 v\u0259 illik faiz d\u0259r\u0259c\u0259l\u0259rini inzibati yolla t\u0259nziml\u0259m\u0259si t\u0259\u015f\u0259bb\u00fcs\u00fc daha \u00e7ox bank olmayan kredit t\u0259\u015fkilatlar\u0131n\u0131 (BOKT) vuracaq. \u00c7\u00fcnki BOKT-lar\u0131n maliyy\u0259 m\u0259nb\u0259l\u0259ri m\u0259hduddur v\u0259 g\u00f6st\u0259rdikl\u0259ri xidm\u0259tl\u0259rin \u00e7e\u015fidi is\u0259 azd\u0131r. Banklarla m\u00fcqayis\u0259d\u0259 BOKT-larda kredit faizl\u0259ri daha y\u00fcks\u0259kdir. Bu kredit t\u0259\u015fkilatlar\u0131nda illik faiz d\u0259r\u0259c\u0259si h\u0259tta 42 faiz\u0259 \u00e7at\u0131r. Bu qurumlar\u0131n kredit portfeli d\u0259 m\u0259hduddur. BOKT-lar\u0131n kredit qoyulu\u015fu \u00fcmumilikd\u0259 591 milyon manata yax\u0131nd\u0131r v\u0259 \u00f6lk\u0259 \u00fczr\u0259 kredit qoyulu\u015funun 2,9 faiz onlar\u0131n pay\u0131na d\u00fc\u015f\u00fcr.\n<\/p>\n<figure class=\"wp-block-image size-large\">\n  <img decoding=\"async\" src=\"https:\/\/www.meydan.tv\/az\/30737\/\" alt=\"\" class=\"wp-image-30737\"\/><figcaption><\/figcaption><\/figure>\n<p>\n  &#8220;\u00d6lk\u0259d\u0259 157 bank olmayan kredit t\u0259\u015fkilat\u0131 f\u0259aliyy\u0259t g\u00f6st\u0259rir ki, onlar\u0131n 109-u kredit ittifaqlar\u0131d\u0131r. Dem\u0259li, haz\u0131rda \u0259halini v\u0259 ki\u00e7ik sahibkarlar\u0131 aktiv olaraq kreditl\u0259\u015fdir\u0259n 48 kredit t\u0259\u015fkilat\u0131 var. Bu kredit t\u0259\u015fkilatlar\u0131n\u0131n \u00fcmumilikd\u0259 224 filial \u015f\u0259b\u0259k\u0259si m\u00f6vcuddur, onlar\u0131n \u0259ks\u0259riyy\u0259ti regionlarda yerl\u0259\u015fir. BOKT-lar\u0131n \u0259sas \u00fcst\u00fcnl\u00fcy\u00fc onun resurslar\u0131na \u0259l\u00e7atanl\u0131\u011f\u0131n asan olmas\u0131d\u0131r. BOKT-lar h\u0259m d\u0259 banklardan f\u0259rqli olaraq k\u0259nd yerl\u0259rind\u0259, o c\u00fcml\u0259d\u0259n c\u0259bh\u0259 b\u00f6lg\u0259sin\u0259 yax\u0131n \u0259razil\u0259rd\u0259 i\u015fl\u0259yirl\u0259r. O yerl\u0259r\u0259 ki banklar q\u0259ti maraq g\u00f6st\u0259rmir. Bu qurumlar\u0131n i\u015f\u00e7il\u0259ri \u0259n ucqar k\u0259ndl\u0259r\u0259 getm\u0259kd\u0259n bel\u0259 \u00e7\u0259kinmirl\u0259r. Halbuki banklar \u0259n yax\u015f\u0131 halda rayon m\u0259rk\u0259zl\u0259rind\u0259 i\u015fl\u0259m\u0259kl\u0259 kifay\u0259tl\u0259nirl\u0259r&#8221; &#8211; Samir \u018fliyev bildirir.\n<\/p>\n<p>\n  \u0130qtisad\u00e7\u0131 d\u00fc\u015f\u00fcn\u00fcr ki, M\u0259rk\u0259zi Bank\u0131n son tap\u015f\u0131r\u0131qlar\u0131 BOKT-lar\u0131n g\u0259lirl\u0259rini k\u0259skin azaldacaq. N\u0259tic\u0259d\u0259 b\u0259zil\u0259ri filial \u015f\u0259b\u0259k\u0259sinin ba\u011flanmas\u0131, i\u015f\u00e7il\u0259rin ixtisar\u0131 kimi s\u0259rt add\u0131mlar at\u0131lacaq. H\u0259tta b\u0259zi BOKT-lar\u0131n bazar\u0131 t\u0259rk etm\u0259si m\u00fcmk\u00fcnd\u00fcr: &#8220;Bununla da regionlar\u0131n kredit\u0259 \u0259l\u00e7atanl\u0131\u011f\u0131 pisl\u0259\u015f\u0259c\u0259k. BOKT-lar\u0131n kredit verm\u0259k \u00fc\u00e7\u00fcn c\u0259lb etdikl\u0259ri resurslar \u00e7ox bahad\u0131r. M\u00f6vcud faiz h\u0259ddi (istehlak kreditl\u0259ri \u00fc\u00e7\u00fcn 29 faiz, mikrokreditl\u0259r \u00fc\u00e7\u00fcn 25 faiz) onlar \u00fc\u00e7\u00fcn \u00e7ox \u0259lveri\u015fsizdir. Ona g\u00f6r\u0259 M\u0259rk\u0259zi Bank kreditl\u0259rin illik faiz d\u0259r\u0259c\u0259l\u0259rin\u0259 t\u0259tbiq etdiyi tavan\u0131 BOKT-lara \u015famil etm\u0259m\u0259lidir. Onlara faizl\u0259ri m\u00fc\u0259yy\u0259nl\u0259\u015fdirm\u0259kd\u0259 s\u0259rb\u0259stlik verilm\u0259lidir. Bu qurumlar\u0131n kredit bazar\u0131nda faizl\u0259rin formala\u015fmas\u0131 siyas\u0259tin\u0259 t\u0259sir imkanlar\u0131 yox s\u0259viyy\u0259sind\u0259dir. Kredit faizl\u0259rini banklar formala\u015fd\u0131r\u0131r, BOKT-lar is\u0259 onlar\u0131n arxas\u0131nca gedir. M\u0259rk\u0259zi Bank kredit faizl\u0259rini a\u015fa\u011f\u0131 salmaq ist\u0259yirs\u0259, banklarla i\u015fl\u0259m\u0259lidir. Banklarla BOKT-lara eyni yana\u015fma olmamal\u0131d\u0131r. \u018fn az\u0131 yax\u0131n d\u00f6vr \u00fc\u00e7\u00fcn BOKT-lar \u00fc\u00e7\u00fcn bu limiti aradan qald\u0131rmal\u0131d\u0131r. \u018fks halda ixtisarlar v\u0259 ba\u011flanma hallar\u0131 qa\u00e7\u0131lmazd\u0131r&#8221;.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&#8220;M\u0259rk\u0259zi Bank\u0131n komisyon haqlar\u0131n\u0131 v\u0259 illik faiz d\u0259r\u0259c\u0259l\u0259rini inzibati yolla t\u0259nziml\u0259m\u0259si t\u0259\u015f\u0259bb\u00fcs\u00fc daha \u00e7ox bank olmayan kredit t\u0259\u015fkilatlar\u0131n\u0131 vuracaq&#8221;<\/p>\n","protected":false},"author":11,"featured_media":30734,"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-169236","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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