{"id":200419,"date":"2020-05-02T13:02:45","date_gmt":"2020-05-02T13:02:45","guid":{"rendered":"https:\/\/www.meydan.tv\/article\/sentyabra-qeder-odemeler-ciddi-axsayacaq\/"},"modified":"2020-05-02T13:02:45","modified_gmt":"2020-05-02T13:02:45","slug":"sentyabra-qeder-odemeler-ciddi-axsayacaq","status":"publish","type":"post","link":"https:\/\/www.meydan.tv\/az\/article\/sentyabra-qeder-odemeler-ciddi-axsayacaq\/","title":{"rendered":"\u201cSentyabra q\u0259d\u0259r \u00f6d\u0259m\u0259l\u0259r ciddi axsayacaq\u201d"},"content":{"rendered":"

\n
\n Natiq C\u0259f\u0259rli: \u201cH\u00f6kum\u0259t he\u00e7 n\u0259 itirm\u0259y\u0259c\u0259k\u201c
\n <\/i>\n<\/p>\n

\n Aprelin 1-d\u0259 Az\u0259rbaycan banklar\u0131nda \u00f6d\u0259m\u0259 vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rin m\u0259bl\u0259\u011fi 1 milyard 387 milyon manat t\u0259\u015fkil edib.\n<\/p>\n

\n Bu bar\u0259d\u0259 m\u0259lumat\u0131 M\u0259rk\u0259zi Bank yay\u0131b.\n<\/p>\n

\n M\u0259lumata g\u00f6r\u0259, bu g\u00f6st\u0259rici mart ay\u0131 il\u0259 m\u00fcqayis\u0259d\u0259 88 milyon manat \u00e7oxdur. Mart\u0131n \u0259vv\u0259lind\u0259 \u00f6d\u0259m\u0259 vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259r 1 milyard 299 milyon manat olub.\n<\/p>\n

\n \u201c\u00dcmumi m\u0259bl\u0259\u011fi 15 milyard 637 milyon manat t\u0259\u015fkil ed\u0259n kredit qoyulu\u015flar\u0131n\u0131n 8,9 faizinin \u00f6d\u0259m\u0259 vaxt\u0131 ke\u00e7ib\u201d.\n<\/p>\n

\n \u0130qtisad\u00e7\u0131 Natiq C\u0259f\u0259rli deyir ki, M\u0259rk\u0259zi Bank v\u0259 h\u00f6kum\u0259t h\u0259mi\u015f\u0259 prosesl\u0259rin arxas\u0131nda s\u00fcr\u00fcn\u00fcr, \u00f6nl\u0259yici v\u0259 effektiv add\u0131mlar ata bilmir:\n<\/p>\n

\n \u201cM\u0259rk\u0259zi Bank\u0131n son q\u0259rar\u0131 il\u0259 b\u00fct\u00fcn kreditl\u0259r \u00fczr\u0259 sentyabra q\u0259d\u0259r gecikm\u0259l\u0259r olsa, banklara gecikm\u0259y\u0259 g\u00f6r\u0259 m\u00fc\u015ft\u0259ril\u0259rin\u0259 d\u0259bb\u0259 pulu, c\u0259rim\u0259 hesablamama\u011f\u0131 t\u00f6vsiy\u0259 edib. T\u00f6vsiy\u0259 m\u0259s\u0259l\u0259sini anlad\u0131m, formal olaraq bu bar\u0259d\u0259 M\u0259rk\u0259zi Bank\u0131n \u00f6z\u0259l banklara \u0259mr verm\u0259k ixtiyar\u0131 yoxdur. M\u0259s\u0259l\u0259 ba\u015fqad\u0131r, h\u0259m \u0259hali, h\u0259m biznes indi a\u011f\u0131r durumdad\u0131r. Onsuz da kredit \u00f6d\u0259m\u0259l\u0259rini gecikdir\u0259c\u0259kl\u0259r. Sentyabra q\u0259d\u0259r \u00f6d\u0259m\u0259l\u0259r ciddi axsayacaq, pay\u0131zda M\u0259rk\u0259zi Bank v\u0259 h\u00f6kum\u0259t ay\u0131lacaq ki, problemli kreditl\u0259r 8,9 faizd\u0259n 15 faiz\u0259 art\u0131b. O zaman \u0259l-aya\u011fa d\u00fc\u015f\u0259c\u0259kl\u0259r v\u0259 n\u0259tic\u0259d\u0259 gec at\u0131lacaq add\u0131m daha baha olacaq\u201d.\n<\/p>\n

\n Natiq C\u0259f\u0259rli t\u0259klif edir ki, mart-sentyabr aylar\u0131 \u0259rzind\u0259 b\u00fct\u00fcn n\u00f6v kreditl\u0259r \u00fczr\u0259 faiz hesablanmas\u0131 dondurulsun. Y\u0259ni, hesablanmas\u0131n:\n<\/p>\n

\n \u201cD\u00fczd\u00fcr, buna g\u00f6r\u0259 banklar z\u0259r\u0259r ed\u0259c\u0259k. Bunun \u00fc\u00e7\u00fcn d\u0259 h\u00f6kum\u0259tin q\u0259rar\u0131 il\u0259 banklar 6 ay b\u00fct\u00fcn n\u00f6v vergil\u0259rd\u0259n azad edil\u0259 bil\u0259r. Ancaq bu da yet\u0259rli olmayacaq. Ona g\u00f6r\u0259 d\u0259 M\u0259rk\u0259zi Bank kommersiya banklar\u0131na 1 illik – ilk 6 ay\u0131 0 faiz, n\u00f6vb\u0259ti 6 ay is\u0259 2-3 faizl\u0259 manatla kredit ver\u0259 bil\u0259r. Banklar bu model\u0259 raz\u0131 olacaq, h\u0259tta daha \u00e7ox qazanacaq, h\u0259m d\u0259 banklar\u0131n maliyy\u0259 dayan\u0131ql\u0131\u011f\u0131 artacaq\u201d.\n<\/p>\n

\n \"Natiq
\n Natiq C\u0259f\u0259rli
\n <\/figcaption><\/figure>\n

\n \u0130qtisad\u00e7\u0131 deyir ki, n\u0259tic\u0259d\u0259 h\u00f6kum\u0259t he\u00e7 n\u0259 itirm\u0259y\u0259c\u0259k (bir t\u0259k banklar\u0131n \u00f6d\u0259y\u0259c\u0259yi vergil\u0259rd\u0259n ba\u015fqa – o da ciddi itki deyil). Amma indi g\u00f6zl\u0259m\u0259 m\u00f6vqeyi tutan M\u0259rk\u0259zi Bank v\u0259 h\u00f6kum\u0259t pay\u0131zda y\u00fczmilyonlarla manat x\u0259rcl\u0259yib, problemli kredit m\u0259s\u0259l\u0259sinin h\u0259llini taplama\u011fa, banklar\u0131 xilas etm\u0259y\u0259 \u00e7al\u0131\u015facaq.\n<\/p>\n

\n Bir ne\u00e7\u0259 g\u00fcn \u0259vv\u0259l M\u0259rk\u0259zi Bank\u0131n q\u0259rar\u0131 il\u0259 Az\u0259rbaycanda 2 bank ba\u011fland\u0131. \u201cAtabank\u201d v\u0259 \u201cAmrah Bank\u201d.\n<\/p>\n

\n
\n M\u0259rk\u0259zi Bank
\n <\/a>
\n \u0131n yayd\u0131\u011f\u0131 m\u0259lumatda bildirilir ki, h\u0259min banklar\u0131n maliyy\u0259 v\u0259ziyy\u0259tinin pisl\u0259\u015fm\u0259si \u00e7oxdan ba\u015flay\u0131b. X\u00fcsus\u0259n \u201cAtabank\u201d uzun m\u00fcdd\u0259tdir ki, \u0259halinin \u0259man\u0259tl\u0259rinin qaytar\u0131lmas\u0131 \u00fczr\u0259 \u00f6hd\u0259likl\u0259rini icra ed\u0259 bilmirmi\u015f.\n<\/p>\n

\n Bunlar Az\u0259rbaycanda lisenziyas\u0131 l\u0259\u011fv edilmi\u015f ilk bank deyil. Daha \u00f6nc\u0259 d\u0259 bir ne\u00e7\u0259 bank\u0131n lisenziyas\u0131 l\u0259\u011fv edilmi\u015fdi.\n<\/p>\n

\n D\u00fcnyada neftin qiym\u0259ti k\u0259skin ucuzla\u015fandan sonra, 2015-ci ild\u0259 Az\u0259rbaycanda iki devalvasiya ba\u015f verib. N\u0259tic\u0259d\u0259 manat dollar qar\u015f\u0131s\u0131nda iki d\u0259f\u0259 d\u0259y\u0259r itirib. Bundan sonra 10-dan \u00e7ox bank ba\u011flan\u0131b. Bu, onlar\u0131n \u00f6hd\u0259likl\u0259rini yerin\u0259 yetir\u0259 bilm\u0259m\u0259l\u0259ri il\u0259 izah edilib. Bu ilin \u0259vv\u0259lind\u0259n d\u0259 d\u00fcnyada neft t\u0259qrib\u0259n \u00fc\u00e7 d\u0259f\u0259 ucuzla\u015f\u0131b. Az\u0259rbaycan\u0131n ixrac\u0131n\u0131n t\u0259qrib\u0259n 90 faizi neft v\u0259 qaz\u0131n pay\u0131na d\u00fc\u015f\u00fcr.<\/p>\n","protected":false},"excerpt":{"rendered":"

“Amma indi g\u00f6zl\u0259m\u0259 m\u00f6vqeyi tutan M\u0259rk\u0259zi Bank v\u0259 h\u00f6kum\u0259t pay\u0131zda y\u00fczmilyonlarla manat x\u0259rcl\u0259yib, problemli kredit m\u0259s\u0259l\u0259sinin h\u0259llini taplama\u011fa, banklar\u0131 xilas etm\u0259y\u0259 \u00e7al\u0131\u015facaq”<\/p>\n","protected":false},"author":11,"featured_media":140071,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","footnotes":""},"categories":[53],"tags":[],"class_list":["post-200419","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-iqtisadiyyat","infinite-scroll-item","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-33","no-featured-image-padding"],"acf":[],"yoast_head":"\n\u201cSentyabra q\u0259d\u0259r \u00f6d\u0259m\u0259l\u0259r ciddi axsayacaq\u201d - MEYDAN.TV<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.meydan.tv\/az\/article\/sentyabra-qeder-odemeler-ciddi-axsayacaq\/\" \/>\n<meta property=\"og:locale\" content=\"az_AZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u201cSentyabra q\u0259d\u0259r \u00f6d\u0259m\u0259l\u0259r ciddi axsayacaq\u201d - 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