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\n Qubad \u0130bado\u011flu: ''F\u0259rman daha \u00e7ox banklar\u0131 b\u00f6hrandan \u00e7\u0131xartma\u011fa y\u00f6n\u0259l\u0259n s\u0259n\u0259ddir''
\n <\/i>\n<\/p>\n
\n
\n Demokratiya v\u0259 Rifah H\u0259r\u0259kat\u0131n\u0131n lideri, iqtisad\u00e7\u0131 Qubad \u0130bado\u011flu Prezidentin fevral\u0131n 28-d\u0259 imzalad\u0131\u011f\u0131 problemli kreditl\u0259rl\u0259 ba\u011fl\u0131 f\u0259rman\u0131n\u0131n do\u011furdu\u011fu b\u0259zi suallar\u0131 Meydan TV-y\u0259 izah edib.
\n <\/b>\n<\/p>\n
\n
\n
\n – Qubad b\u0259y, d\u00f6vl\u0259t ba\u015f\u00e7\u0131s\u0131n\u0131n problemli kreditl\u0259rl\u0259 f\u0259rman\u0131n nec\u0259 qiym\u0259tl\u0259ndirirsiniz?
\n <\/i>
\n <\/b>\n<\/p>\n
\n – T\u0259bii ki, f\u0259rman banklar\u0131n durumuna m\u00fcsb\u0259t t\u0259sir g\u00f6st\u0259r\u0259c\u0259k. \u00c7\u00fcnki banklar m\u0259rk\u0259zl\u0259\u015fdirilmi\u015f qaydada g\u00fcz\u0259\u015ftli kreditl\u0259r\u0259 \u00e7\u0131x\u0131\u015f imkanlar\u0131 qazan\u0131rlar. Bu g\u00fcz\u0259\u015ftli kredit illik 0,1 faizl\u0259 verilir, dem\u0259k olar ki, he\u00e7 bir faiz hesablanm\u0131r. Eyni zamanda, banklara verilmi\u015f 682 milyon manat v\u0259 \u0259lav\u0259 olaraq da 215 milyon dollarl\u0131q qiym\u0259tli ka\u011f\u0131zlar veril\u0259c\u0259k. Y\u0259ni banklar \u0259lav\u0259 v\u0259sait alacaqlar, \u0259g\u0259r \u0259lav\u0259 v\u0259sait \u00f6d\u0259nil\u0259n borclardan \u00e7ox olacaqsa, banklar\u0131n maliyy\u0259 v\u0259saiti daha da yax\u015f\u0131la\u015facaq. Silin\u0259n borclar q\u0259d\u0259r olacaqsa, banklar \u00fc\u00e7\u00fcn \u0259h\u0259miyy\u0259tli d\u0259yi\u015fiklik olmayacaq, amma ist\u0259nil\u0259n halda banklar borclar\u0131 geri almaqla daha yax\u015f\u0131 maliyy\u0259 imkanlar\u0131na malik olacaqlar.\n<\/p>\n
\n –
\n
\n
\n Ara\u015fd\u0131rmalar g\u00f6st\u0259rir ki, problemli kreditl\u0259r daha \u00e7ox bu banklardad\u0131r: Az\u0259rbaycan Beyn\u0259lxalq Bank\u0131, Xalq Bank, Kapital Bank, Pa\u015fa Bank v\u0259 AccesBank. Bu bax\u0131mdan durumu nec\u0259 qiym\u0259tl\u0259ndirirsiniz?
\n <\/i>
\n <\/b>\n<\/p>\n
\n – Hans\u0131 banklar\u0131n vaxt\u0131 ke\u00e7mi\u015f kredit borcu \u00e7ox oldu\u011funu bilmir\u0259m. T\u0259bii ki, Beyn\u0259lxalq Bank, Pa\u015fa Bank daha \u00e7ox kredit ver\u0259n banklard\u0131r v\u0259 onlar\u0131n daha \u00e7ox v\u0259sait almaq imkan\u0131 olacaq. O c\u00fcml\u0259d\u0259n Xalq Bank, Kapital Bank.\n<\/p>\n
\n –
\n
\n
\n Siz\u0259 el\u0259 g\u0259lmir ki, bu f\u0259rman hakim elitaya yax\u0131n banklar\u0131 b\u00f6hrandan \u00e7\u0131xarmaq \u00fc\u00e7\u00fcnd\u00fcr?
\n <\/i>
\n <\/b>\n<\/p>\n
\n – \u0130st\u0259nil\u0259n halda f\u0259rmandan hakimiyy\u0259t\u0259 yax\u0131n banklar\u0131n b\u0259hr\u0259l\u0259nm\u0259si \u015f\u00fcbh\u0259 do\u011furmur. Amma fiziki \u015f\u0259xs olaraq kiml\u0259rs\u0259 faydalan\u0131rsa, o halda f\u0259rman\u0131 m\u00fcsb\u0259t d\u0259y\u0259rl\u0259ndirm\u0259k olar. Baxmayaraq ki, f\u0259rman \u00e7ox m\u00fcr\u0259kk\u0259b haz\u0131rlan\u0131b, onu izah etm\u0259k \u00fc\u00e7\u00fcn x\u00fcsusi \u015f\u0259rhl\u0259r\u0259 ehtiyac var. B\u00fct\u00f6vl\u00fckd\u0259 g\u00f6zl\u0259diyim q\u0259d\u0259r d\u0259 bu f\u0259rman problemi h\u0259ll etm\u0259y\u0259 y\u00f6n\u0259lm\u0259di. \u00c7\u00fcnki sahibkarlar prosesd\u0259n k\u0259narda qald\u0131, h\u0259m d\u0259 azt\u0259minatl\u0131 t\u0259b\u0259q\u0259nin ehtiyaclar\u0131 n\u0259z\u0259r\u0259 al\u0131nmad\u0131. F\u0259rman daha \u00e7ox banklar\u0131 b\u00f6hrandan \u00e7\u0131xartma\u011fa y\u00f6n\u0259l\u0259n s\u0259n\u0259ddir. Baxmayaraq ki, m\u00fc\u0259yy\u0259n q\u0259d\u0259r d\u0259 fiziki \u015f\u0259xsl\u0259r d\u0259 bundan b\u0259hr\u0259l\u0259n\u0259c\u0259k.\n<\/p>\n
\n
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\n – F\u0259rmandan v\u0259t\u0259nda\u015flar\u0131n v\u0259 sahibkarlar\u0131n qazanc\u0131 n\u0259 olacaq?
\n <\/i>
\n <\/b>\n<\/p>\n
\n – Bu f\u0259rmandan sahibkarlar\u0131n he\u00e7 bir udu\u015fu yoxdur, s\u0259n\u0259d ancaq fiziki \u015f\u0259xsl\u0259r \u00fc\u00e7\u00fcnd\u00fcr v\u0259 2012-ci ilin 1 yanvar\u0131ndan 2015-ci ilin fevral\u0131n 21-n\u0259 q\u0259d\u0259r kredit m\u00fcqavil\u0259si olan, y\u0259ni kredit m\u00fcqavil\u0259si 10 min dollar v\u0259 manat ekvivalenti il\u0259 uy\u011funla\u015fd\u0131r\u0131lm\u0131\u015f borclular b\u0259hr\u0259l\u0259n\u0259c\u0259k. H\u0259min m\u00fcdd\u0259td\u0259 kredit m\u00fcqavil\u0259si olanlar 10 min dollar \u00fc\u00e7\u00fcn 1500, 8 min dollar \u00fc\u00e7\u00fcn 1200, 6 min dollar \u00fc\u00e7\u00fcn 900 dollar borc silin\u0259c\u0259k. \u018fg\u0259r kredit m\u00fcqavil\u0259si 2015-ci ilin fevral\u0131n 21-d\u0259n dekabr\u0131n 21-n\u0259 q\u0259d\u0259r d\u00f6vr\u00fc \u0259hat\u0259 edirs\u0259, o zaman 10 min dollar \u00fc\u00e7\u00fcn v\u0259saitl\u0259r 3500 dollar, 8 min dollara q\u0259d\u0259r olan v\u0259saitl\u0259r 2800, 6 min dollara q\u0259d\u0259r olan v\u0259saitl\u0259r is\u0259 2100 dollar silin\u0259c\u0259k. Bu silinm\u0259 prosesi devalvasiyadan yaranm\u0131\u015f x\u0259rcl\u0259ri \u0259hat\u0259 edir. Ona g\u00f6r\u0259 silinm\u0259 prosesi yaln\u0131z dollarla g\u00f6t\u00fcrm\u00fc\u015f kreditl\u0259r\u0259 \u015famil olunacaq, manatla kredit g\u00f6t\u00fcr\u00fcl\u00fcbs\u0259, sad\u0259c\u0259, dollar ekvivalenti il\u0259 \u00f6d\u0259nilibs\u0259, ona \u015famil edil\u0259c\u0259k. Ola bil\u0259r bir fiziki \u015f\u0259xs bir ne\u00e7\u0259 bankla m\u00fcqavil\u0259 ba\u011flay\u0131b kredit borcuna malikdir, 5 min dollar onun ekvivalenti il\u0259 manatdan \u00e7ox ola bilm\u0259z.<\/p>\n","protected":false},"excerpt":{"rendered":"
Qubad \u0130bado\u011flu: \u201cF\u0259rman daha \u00e7ox banklar\u0131 b\u00f6hrandan \u00e7\u0131xartma\u011fa y\u00f6n\u0259l\u0259n s\u0259n\u0259ddir\u201d<\/p>\n","protected":false},"author":11,"featured_media":107859,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","footnotes":""},"categories":[63],"tags":[],"class_list":["post-194274","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-video-2","infinite-scroll-item","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-33","no-featured-image-padding"],"acf":[],"yoast_head":"\n