\n
\n S\u0259rxan \u018fsg\u0259rov: ''Kredit \u00fc\u00e7\u00fcn m\u00fcraci\u0259tim\u0259 iki bankdan ''yox'' deyils\u0259 d\u0259, r\u0259smi imtina cavab\u0131 ala bilm\u0259dim''
\n <\/i>\n<\/p>\n
\n \u201c65 ba\u015f iribuynuzlu mal-qaran\u0131n saxlanmas\u0131na imkan ver\u0259n t\u00f6vl\u0259, yem, saxlamaq \u00fc\u00e7\u00fcn anbar, \u00e7oban evim, 5,16 sot torpa\u011f\u0131m var. Ham\u0131s\u0131n\u0131n D\u00f6vl\u0259t \u018fmlak Komit\u0259sind\u0259n \u00e7\u0131xar\u0131\u015f\u0131n\u0131 alm\u0131\u015fam. Bundan \u0259lav\u0259, 5 hektar torpaq g\u00f6t\u00fcrm\u00fc\u015f\u0259m icar\u0259y\u0259, bir y\u00fcng\u00fcl minik v\u0259 bir y\u00fck avtomobilim var. Mal-qara t\u00f6vl\u0259sinin yan\u0131nda qoyun \u00fc\u00e7\u00fcn d\u0259 t\u00f6vl\u0259 tikmi\u015f\u0259m, t\u0259s\u0259rr\u00fcfat\u0131m\u0131 b\u00f6y\u00fctm\u0259k ist\u0259yir\u0259m. Bir ne\u00e7\u0259 h\u0259ft\u0259 \u0259vv\u0259l \u201cRespublika bank\u201d\u0131n B\u0259rd\u0259 rayon \u015f\u00f6b\u0259sin\u0259 m\u00fcraci\u0259t etdim. K\u0259nd T\u0259s\u0259rr\u00fcfat\u0131 Nazirliyi yan\u0131nda Aqrar Kredit v\u0259 \u0130nki\u015faf Agentliyinin g\u00fcz\u0259\u015ftli kreditl\u0259rind\u0259n yararlanmaq ist\u0259dim. M\u0259n\u0259 dedil\u0259r ki, kredit veril\u0259c\u0259k\u201d.\n<\/p>\n
\n B\u0259rd\u0259 rayon Hac\u0131lar k\u0259nd sakini S\u0259rxan \u018fsg\u0259rov bel\u0259 deyir. Bildirir ki, sonda kredit ala bilm\u0259yib. \u00c7\u00fcnki bir aydan sonra ona deyibl\u0259r ki, s\u0259n\u0259dl\u0259rind\u0259 \u00e7at\u0131\u015fmazl\u0131q var:\n<\/p>\n
\n \u201cKrediti verm\u0259kd\u0259n imtina etdil\u0259r. N\u0259 q\u0259d\u0259r t\u0259kid ets\u0259m d\u0259, r\u0259smi imtina ka\u011f\u0131z\u0131n\u0131 verm\u0259dil\u0259r. Bundan sonra \u201cAccessBank\u201da m\u00fcraci\u0259t etdim. Bir aya yax\u0131n vaxt ke\u00e7dikd\u0259n sonra onlardan m\u0259n\u0259 cavab g\u0259ldi ki, \u201cxahi\u015f edirik, qeyd olunan iradlar\u0131 aradan qald\u0131raraq t\u0259krar m\u00fcraci\u0259t edin\u201d. T\u0259s\u0259vv\u00fcr edin ki, bu iradlar\u0131n n\u0259d\u0259n ibar\u0259t oldu\u011funu he\u00e7 kim a\u00e7\u0131qlam\u0131r. Dey\u0259n yoxdur ki, s\u0259n\u0259dl\u0259rind\u0259 filan \u00e7at\u0131\u015fmazl\u0131q var, onlar\u0131 d\u00fcz\u0259lt\u201d.\n<\/p>\n
\n Fermer bildirir ki, h\u0259r iki bankdan konkret imtina s\u0259n\u0259di ala bilm\u0259yib: \u201cBundan sonra m\u0259n ba\u015fqa bir banka v\u0259t\u0259nda\u015f kimi m\u00fcraci\u0259t etdim v\u0259 onlar b\u00fct\u00fcn s\u0259n\u0259dl\u0259rimin qaydas\u0131nda oldu\u011funu bildir\u0259r\u0259k kredit ayr\u0131lmas\u0131na dair q\u0259rar q\u0259bul etdil\u0259r. \u00dczl\u0259\u015fdiyim hal g\u00f6st\u0259rir ki, d\u00f6vl\u0259tin fermerl\u0259r\u0259, sahibkarlara ay\u0131rd\u0131\u011f\u0131 v\u0259saitl\u0259ri banklar v\u0259t\u0259nda\u015flara \u00e7atd\u0131rm\u0131rlar. Bu is\u0259 \u00f6lk\u0259 r\u0259hb\u0259rliyinin \u00f6z\u0259l sektorun, x\u00fcsusil\u0259 d\u0259 aqrar sah\u0259nin inki\u015faf\u0131 istiqam\u0259tind\u0259 h\u0259yata ke\u00e7irdiyi siyas\u0259t\u0259 ziddir\u201d.\n<\/p>\n
\n Ekspertl\u0259r daim \u00e7\u0131x\u0131\u015flar\u0131nda deyirl\u0259r ki, Az\u0259rbaycanda biznesin kreditl\u0259\u015fm\u0259 s\u0259viyy\u0259si \u00e7ox a\u015fa\u011f\u0131d\u0131r. M\u0259rk\u0259zi Bank\u0131n bu yax\u0131nlarda verdiyi a\u00e7\u0131qlamaya g\u00f6r\u0259, Az\u0259rbaycanda biznesin inki\u015faf\u0131 \u00fc\u00e7\u00fcn monetar \u015f\u0259raitin kifay\u0259t q\u0259d\u0259r \u0259lveri\u015fli oldu\u011fu halda biznes aktivlik h\u0259l\u0259 d\u0259 g\u00f6zl\u0259nil\u0259n h\u0259dd\u0259 \u00e7atmay\u0131b.\n<\/p>\n
\n \u201cMay ay\u0131n\u0131n yekunu \u00fczr\u0259 manatla pul bazas\u0131 ilin \u0259vv\u0259lin\u0259 n\u0259z\u0259r\u0259n 6.6 faiz art\u0131b ki, bu da inflyasiya h\u0259d\u0259fin\u0259 nail olmaq bax\u0131m\u0131ndan m\u0259qbul s\u0259viyy\u0259dir\u201d, – dey\u0259 bank\u0131n a\u00e7\u0131qlamas\u0131nda deyilir.\n<\/p>\n
\n Bank\u0131n m\u0259lumat\u0131ndan ayd\u0131n olur ki, \u00f6lk\u0259d\u0259 biznesin kredit aktivliyi a\u015fa\u011f\u0131d\u0131r. \u00dcst\u0259lik, kredit portfelind\u0259 azalma olub:\n<\/p>\n
\n \u201cYanvar-aprel aylar\u0131nda kredit qoyulu\u015flar\u0131 0.1 faiz, o c\u00fcml\u0259d\u0259n h\u00fcquqi \u015f\u0259xsl\u0259r \u00fczr\u0259 2.7 faiz azal\u0131b\u201d.\n<\/p>\n
\n M\u0259rk\u0259zi Bank bildirir ki, kredit aktivliyinin az olmas\u0131 n\u0259tic\u0259sind\u0259 bank sektorunda aktivl\u0259rin bir his\u0259si istifad\u0259siz qal\u0131b:\n<\/p>\n
\n \u201cA\u015fa\u011f\u0131 kredit aktivliyi \u015f\u0259raitind\u0259 bank sisteminin likvidlik m\u00f6vqeyind\u0259 iri h\u0259cmli struktur profisiti qalmaqdad\u0131r\u201d.\n<\/p>\n
\n Qurum etiraf edir ki, aktivliyin a\u015fa\u011f\u0131 d\u00fc\u015fm\u0259si \u00f6lk\u0259nin iqtisadi sabitliyin\u0259 x\u0259l\u0259l g\u0259tirir: \u201cKredit aktivliyinin son ill\u0259rd\u0259 d\u0259 a\u015fa\u011f\u0131 d\u00fc\u015fm\u0259si iqtisadi art\u0131ma v\u0259 m\u0259cmu t\u0259klifin geni\u015fl\u0259nm\u0259sin\u0259 neqativ t\u0259sir g\u00f6st\u0259rm\u0259kl\u0259 makroiqtisadi v\u0259 maliyy\u0259 sabitliyin\u0259 x\u0259l\u0259l g\u0259tirir\u201d.\n<\/p>\n
\n M\u0259rk\u0259zi Bank\u0131n da a\u00e7\u0131qlad\u0131\u011f\u0131 kimi, \u00f6lk\u0259d\u0259 biznes kreditl\u0259\u015fm\u0259si getdikc\u0259 azal\u0131r.\n<\/p>\n
\n Aqrarkredit S\u0259hmdar Kredit T\u0259\u015fkilat\u0131n\u0131n biznesin inki\u015faf\u0131 departamentinin direktor m\u00fcavini A\u011fabala Muradov Meydan TV-y\u0259 deyir, ola bilm\u0259z ki, b\u00f6lg\u0259l\u0259rd\u0259 sahibkarlar\u0131n h\u00fcquqlar\u0131 bel\u0259 pozulsun. G\u00f6r\u00fcn\u00fcr, h\u0259min v\u0259t\u0259nda\u015f\u0131n banka g\u00f6st\u0259rm\u0259y\u0259 girovu olmay\u0131b. Ona g\u00f6r\u0259 d\u0259 ona kredit verilm\u0259yib:\n<\/p>\n
\n \u201c\u00c7\u00fcnki g\u0259l\u0259c\u0259kd\u0259 v\u0259t\u0259nda\u015f krediti qaytara bilm\u0259y\u0259nd\u0259 girov ke\u00e7ir bank\u0131n ad\u0131na. Bank m\u0259hk\u0259m\u0259y\u0259 verib, \u0259mlak\u0131 m\u00fcsadir\u0259 edir. G\u00f6r\u00fcn\u00fcr, v\u0259t\u0259nda\u015f\u0131n girovu olmay\u0131b. Buna g\u00f6r\u0259 ona kredit verilm\u0259yib. Bank kredit verir, faiz g\u00f6t\u00fcr\u00fcr h\u0259min faizl\u0259 d\u0259 dolan\u0131r. Xeyir qurumu deyil ax\u0131, \u00f6z m\u0259nafeyi olmadan kim\u0259s\u0259 kredit versin. Odur ki, m\u0259n \u0259min\u0259m, v\u0259t\u0259nda\u015fa kredit verilm\u0259yibs\u0259, bunun s\u0259b\u0259bi var\u201d.\n<\/p>\n
\n El\u0259 S\u0259rxan \u018fsg\u0259rov da bu s\u0259b\u0259bi bilm\u0259k ist\u0259yir\u2026<\/p>\n","protected":false},"excerpt":{"rendered":"
Ekspertl\u0259r daim \u00e7\u0131x\u0131\u015flar\u0131nda deyirl\u0259r ki, Az\u0259rbaycanda biznesin kreditl\u0259\u015fm\u0259 s\u0259viyy\u0259si \u00e7ox a\u015fa\u011f\u0131d\u0131r.<\/p>\n","protected":false},"author":11,"featured_media":125689,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","footnotes":""},"categories":[60],"tags":[],"class_list":["post-195907","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bolge","infinite-scroll-item","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-33","no-featured-image-padding"],"acf":[],"yoast_head":"\n