{"id":201893,"date":"2020-08-11T11:42:59","date_gmt":"2020-08-11T11:42:59","guid":{"rendered":"https:\/\/www.meydan.tv\/article\/konstitusiya-mehkemesi-baglanan-banklarda-qalan-emanetlerle-bagli-qerar-verdi\/"},"modified":"2020-08-11T11:42:59","modified_gmt":"2020-08-11T11:42:59","slug":"konstitusiya-mehkemesi-baglanan-banklarda-qalan-emanetlerle-bagli-qerar-verdi","status":"publish","type":"post","link":"https:\/\/www.meydan.tv\/az\/article\/konstitusiya-mehkemesi-baglanan-banklarda-qalan-emanetlerle-bagli-qerar-verdi\/","title":{"rendered":"Konstitusiya M\u0259hk\u0259m\u0259si ba\u011flanan banklarda qalan \u0259man\u0259tl\u0259rl\u0259 ba\u011fl\u0131 q\u0259rar verdi"},"content":{"rendered":"

\n
\n \u018fkr\u0259m H\u0259s\u0259nov: \u201c\u018fslind\u0259 m\u0259hk\u0259m\u0259 bu m\u0259s\u0259l\u0259l\u0259r\u0259 he\u00e7 baxmal\u0131 da deyildi"
\n <\/i>\n<\/p>\n

\n Konstitusiya M\u0259hk\u0259m\u0259si \u0259halinin banklarda qalan \u0259man\u0259tl\u0259ri il\u0259 ba\u011fl\u0131 q\u0259rar verib. H\u0259min \u0259man\u0259tl\u0259r aprel v\u0259 may aylar\u0131nda ba\u011flanan banklara qoyulanlard\u0131r.\n<\/p>\n

\n
\n Q\u0259rar
\n <\/a>
\n da deyilir ki, h\u0259min banklar aprelin 30-da m\u0259hk\u0259m\u0259 t\u0259r\u0259find\u0259n m\u00fcflis elan olunub.\n<\/p>\n

\n \u0130ddia\u00e7\u0131lar bildirirdil\u0259r ki, \u201cAtabank\u201d, \u201cNBCBank\u201d v\u0259 \u201cAGBank\u201d maliyy\u0259 bazarlar\u0131na n\u0259zar\u0259t orqan\u0131 t\u0259r\u0259find\u0259n qoyulan qada\u011faya (t\u0259shih t\u0259dbirin\u0259) baxmayaraq, onlardan \u0259man\u0259t q\u0259bul edib. H\u0259min banklar ba\u011flanandan sonra is\u0259 \u018fman\u0259tl\u0259rin S\u0131\u011fortalanmas\u0131 Fondu h\u0259min \u0259man\u0259tl\u0259ri qanunsuz hesab ed\u0259r\u0259k onlar\u0131 kompensasiya etm\u0259kd\u0259n imtina edib.\n<\/p>\n

\n Konstitusiya M\u0259hk\u0259m\u0259si q\u0259rar\u0131nda bildirir ki, t\u0259shih t\u0259dbirinin (\u0259man\u0259tl\u0259rin q\u0259buluna qada\u011fan\u0131n) t\u0259tbiqind\u0259n sonra q\u0259bul edilmi\u015f, h\u0259cmi art\u0131r\u0131lm\u0131\u015f v\u0259 \u015f\u0259rtl\u0259ri d\u0259yi\u015fdirilmi\u015f \u0259man\u0259tl\u0259r qorunan \u0259man\u0259tl\u0259r hesab edilir.\n<\/p>\n

\n Bank sah\u0259si \u00fczr\u0259 ekspert \u018fkr\u0259m H\u0259s\u0259nov deyir ki, maliyy\u0259 bazarlar\u0131na n\u0259zar\u0259t orqan\u0131 banka t\u0259tbiq etdiyi t\u0259shih t\u0259dbiri il\u0259 \u00f6z funksiyas\u0131n\u0131 bitmi\u015f saymamal\u0131 idi. Bu t\u0259dbirl\u0259r\u0259 bank t\u0259r\u0259find\u0259n \u0259m\u0259l olunmas\u0131na n\u0259zar\u0259t etm\u0259liydi:\n<\/p>\n

\n "Y\u0259ni M\u0259rk\u0259zi Bank banklara el\u0259 n\u0259zar\u0259t etm\u0259lidir ki, onlar onun qada\u011falar\u0131n\u0131 pozaraq v\u0259t\u0259nda\u015flardan \u0259man\u0259t q\u0259bul etm\u0259sinl\u0259r. M\u0259hk\u0259m\u0259 h\u0259m\u00e7inin \u201c\u018fman\u0259tl\u0259rin s\u0131\u011fortalanmas\u0131 haqq\u0131nda\u201d Qanunun 30.2-ci madd\u0259sini xat\u0131rlad\u0131b: maliyy\u0259 bazarlar\u0131na n\u0259zar\u0259t orqan\u0131 bank\u0131n \u0259man\u0259tl\u0259ri c\u0259lb etm\u0259k h\u00fcququnu dayand\u0131rd\u0131qda m\u00fcvafiq q\u0259rar\u0131n q\u0259bul edildiyi g\u00fcnd\u0259n sonrak\u0131 i\u015f g\u00fcn\u00fcnd\u0259n gec olmayaraq k\u00fctl\u0259vi informasiya vasit\u0259l\u0259rind\u0259 bu bar\u0259d\u0259 elan verir v\u0259 3 i\u015f g\u00fcn\u00fcnd\u0259n gec olmayaraq bildiri\u015f d\u0259rc etdirir. Maliyy\u0259 bazarlar\u0131na n\u0259zar\u0259t orqan\u0131 bunu da etm\u0259mi\u015fdi. Lakin m\u0259hk\u0259m\u0259 m\u0259s\u0259l\u0259nin bu t\u0259r\u0259fin\u0259 toxunmay\u0131b. Buna g\u00f6r\u0259 d\u0259 bir sual a\u00e7\u0131q qal\u0131r: tutaq ki, g\u0259l\u0259c\u0259kd\u0259 yen\u0259 hans\u0131sa bank K\u0130V-d\u0259 bildiri\u015fi bel\u0259 verilmi\u015f qada\u011faya baxmayaraq, \u0259man\u0259t q\u0259bul ets\u0259, h\u0259min \u0259man\u0259t d\u0259 qorunan hesab edil\u0259c\u0259kmi? Bug\u00fcnk\u00fc q\u0259rar\u0131n h\u0259rfi m\u0259nas\u0131na g\u00f6r\u0259 h\u0259min \u0259man\u0259t d\u0259 qorunan say\u0131l\u0131b".\n<\/p>\n

\n \u018fkr\u0259m H\u0259s\u0259nov bildirir ki, m\u0259hk\u0259nin bir az da maliyy\u0259 bazarlar\u0131na n\u0259zar\u0259t orqan\u0131na yaz\u0131\u011f\u0131 g\u0259lib:\n<\/p>\n

\n \u201cQ\u0259rarda deyils\u0259ydi ki, yaln\u0131z qada\u011fa bar\u0259d\u0259 K\u0130V-d\u0259 m\u0259lumat verilm\u0259y\u0259n \u0259man\u0259t qorunan hesab edilir, bu halda maliyy\u0259 bazarlar\u0131na n\u0259zar\u0259t orqan\u0131n\u0131n t\u0259qsiri (\u0259n az\u0131 s\u0259hl\u0259nkarl\u0131\u011f\u0131) a\u00e7\u0131q-a\u015fkar olacaqd\u0131. N\u0259inki t\u0259qsiri, birba\u015fa \u0259mlak m\u0259suliyy\u0259ti. \u0130ndi is\u0259 bel\u0259 \u00e7\u0131x\u0131r ki, K\u0130V-d\u0259 m\u0259lumat verilm\u0259si, s\u0259n dem\u0259, he\u00e7 \u0259sas m\u0259s\u0259l\u0259 deyilmi\u015f. \u0130kinci m\u0259s\u0259l\u0259 yaln\u0131z \u201cAtabank\u201dla ba\u011fl\u0131d\u0131r. Onun hans\u0131sa filial\u0131 ba\u011flananda oradak\u0131 \u0259man\u0259tl\u0259ri \u00f6z daxili sistemind\u0259 dig\u0259r filial\u0131na \u00f6t\u00fcr\u00fcb v\u0259 sistemind\u0259 \u0259man\u0259tin q\u0259bul tarixi kimi \u00f6t\u00fcr\u00fclm\u0259 (miqrasiya) tarixini qeyd edib. Y\u0259ni v\u0259t\u0259nda\u015fla \u0259man\u0259t m\u00fcqavil\u0259sind\u0259 \u0259vv\u0259lki, bank\u0131n daxili elektron sistemind\u0259 is\u0259 sonrak\u0131 tarixdir. Bu \u0259caib s\u0259b\u0259b\u0259 g\u00f6r\u0259 d\u0259 \u018fman\u0259tl\u0259rin S\u0131\u011fortalanmas\u0131 Fondu h\u0259min \u0259man\u0259tl\u0259ri kompensasiya etm\u0259kd\u0259n imtina edib (guya sonrak\u0131 tarixd\u0259 qorunan \u0259man\u0259t faizi art\u0131q a\u015fa\u011f\u0131 olub). Halbuki, m\u0259s\u0259l\u0259nin s\u0131rf texniki s\u0259hv oldu\u011funu \u00f6z\u00fc d\u0259 b\u0259yan edib. T\u0259bii ki, Konstitusiya M\u0259hk\u0259m\u0259si q\u0259rar\u0131nda bu c\u00fcr \u0259man\u0259tl\u0259rin s\u0131\u011fortal\u0131 oldu\u011funu qeyd edib. \u0130ki vur ikidir! He\u00e7 m\u0259hk\u0259m\u0259y\u0259 m\u00fcraci\u0259t etm\u0259k laz\u0131m deyildi".\n<\/p>\n

\n Ekspert bildirir ki, \u0259slind\u0259 h\u0259r iki m\u0259s\u0259l\u0259nin cavab\u0131 \u0259vv\u0259ld\u0259n b\u0259lli idi. Onlar\u0131n niy\u0259 Konstitusiya M\u0259hk\u0259m\u0259sin\u0259 gedib \u00e7\u0131xmas\u0131 m\u00fc\u0259mmal\u0131d\u0131r:\n<\/p>\n

\n "Halbuki, s\u00f6z\u00fcged\u0259n banklarda \u0259man\u0259t\u00e7il\u0259rin dig\u0259r probleml\u0259ri d\u0259 var. M\u0259s\u0259l\u0259n, m\u00f6vcud \u0259man\u0259tl\u0259r \u00fczr\u0259 sonradan edilmi\u015f \u0259lav\u0259 yat\u0131r\u0131mlar\u0131 da \u018fman\u0259tl\u0259rin S\u0131\u011fortalanmas\u0131 Fondu kompensasiya etmir. Dig\u0259r probleml\u0259r d\u0259 var. Amma onlara dair m\u0259hk\u0259m\u0259y\u0259 sor\u011fu edilm\u0259yib. Cavab\u0131 a\u015fkar olan m\u0259s\u0259l\u0259l\u0259r \u00fczr\u0259 sor\u011fu edilib n\u0259d\u0259ns\u0259. Bu is\u0259 o dem\u0259kdir ki, \u0259man\u0259tini fonddan ala bilm\u0259y\u0259n dig\u0259r \u0259man\u0259t\u00e7il\u0259r \u00f6zl\u0259ri m\u0259hk\u0259m\u0259l\u0259r\u0259 \u00fcz tutmal\u0131d\u0131r. Ba\u015fqa yol yoxdur".\n<\/p>\n

\n Sonda \u018fkr\u0259m H\u0259s\u0259nov bildirir ki, q\u0259rar\u0131n ad\u0131 da \u00e7ox m\u00fc\u0259mmal\u0131d\u0131r:\n<\/p>\n

\n \"411968414.jpg\"
\n \u018fkr\u0259m H\u0259s\u0259nov
\n <\/figcaption><\/figure>\n

\n \u201c\u201c\u018fman\u0259tl\u0259rin s\u0131\u011fortalanmas\u0131 haqq\u0131nda\u201d Az\u0259rbaycan Respublikas\u0131 Qanununun 2.1.2.6-c\u0131 madd\u0259sinin \u201cBanklar haqq\u0131nda\u201d Az\u0259rbaycan Respublikas\u0131 Qanununun 47-ci v\u0259 48-ci madd\u0259l\u0259ri bax\u0131m\u0131ndan \u015f\u0259rh edilm\u0259sin\u0259 dair\u201d.\n<\/p>\n

\n Burada iki qanunun ad\u0131 \u00e7\u0259kilir. \u201cBanklar haqq\u0131nda\u201d Qanunla h\u0259r \u015fey ayd\u0131nd\u0131r: s\u00f6hb\u0259t t\u0259shih t\u0259dbirl\u0259rind\u0259n gedir. \u201c\u018fman\u0259tl\u0259rin s\u0131\u011fortalanmas\u0131 haqq\u0131nda\u201d Qanunun 2.1.2.6-c\u0131 madd\u0259sind\u0259 is\u0259 c\u0259lb edildiyi g\u00fcn\u0259 m\u00fc\u0259yy\u0259n edilmi\u015f h\u0259dd\u0259n yuxar\u0131 illik faiz d\u0259r\u0259c\u0259si il\u0259 q\u0259bul edilmi\u015f \u0259man\u0259tl\u0259rin qorunmayan \u0259man\u0259t oldu\u011fu vur\u011fulan\u0131r. Halbuki, t\u0259shih t\u0259dbirin\u0259 baxmayaraq, \u0259man\u0259t q\u0259bul etmi\u015f banklar\u0131n he\u00e7 birind\u0259 problem faiz d\u0259r\u0259c\u0259si il\u0259 ba\u011fl\u0131 deyil. Q\u0259rar\u0131n \u00f6z\u00fcnd\u0259 d\u0259 bu problem t\u0259sbit edilm\u0259yib. \u00dcmumiyy\u0259tl\u0259, q\u0259rarda 2.1.2.6-c\u0131 madd\u0259nin \u015f\u0259rhi yoxdur. Dem\u0259li, \u201c\u018fman\u0259tl\u0259rin s\u0131\u011fortalanmas\u0131 haqq\u0131nda\u201d Qanunun 30.2-ci madd\u0259si \u015f\u0259rh edilm\u0259li idi. Amma he\u00e7 o da \u015f\u0259rh edilm\u0259yib, sad\u0259c\u0259 xat\u0131rlan\u0131b. Ba\u015fqa s\u00f6zl\u0259, Konstitusiya M\u0259hk\u0259m\u0259si \u0259slind\u0259 s\u0259lahiyy\u0259tin\u0259 uy\u011fun olaraq he\u00e7 bir madd\u0259ni \u015f\u0259rh etm\u0259yib, faktiki olaraq adi rayon m\u0259hk\u0259m\u0259si kimi m\u00fclki m\u00fcbahis\u0259y\u0259 bax\u0131b. Yeri g\u0259lmi\u015fk\u0259n, ikinci problemd\u0259 (\u201cAtabank\u201d\u0131n miqrasiya m\u0259s\u0259l\u0259si) bu m\u0259s\u0259l\u0259 \u00f6z\u00fcn\u00fc tam qabar\u0131q g\u00f6st\u0259rir. H\u0259min problem hardasa \u201c\u018fman\u0259tl\u0259rin s\u0131\u011fortalanmas\u0131 haqq\u0131nda\u201d Qanunun 2.1.2.6-c\u0131 madd\u0259si il\u0259 ba\u011fl\u0131 olsa da, \u201cBanklar haqq\u0131nda\u201d Qanununa uy\u011fun olaraq t\u0259tbiq edil\u0259n t\u0259shih t\u0259dbiri il\u0259 he\u00e7 bir \u0259laq\u0259si yoxdur. Y\u0259ni n\u0259 birinci, n\u0259 d\u0259 ikinci m\u0259s\u0259l\u0259 \u00fczr\u0259 Konstitusiya M\u0259hk\u0259m\u0259sinin s\u0259lahiyy\u0259tin\u0259 aid olan sor\u011fu v\u0259 problem yoxdur. Buna g\u00f6r\u0259 d\u0259 \u0259slind\u0259 m\u0259hk\u0259m\u0259 bu m\u0259s\u0259l\u0259l\u0259r\u0259 he\u00e7 baxmal\u0131 da deyildi".\n<\/p>\n

\n 2020-ci il aprelin 26-da M\u0259rk\u0259zi Bank "AtaBank" ASC, "AmrahBank" ASC, "AGBank" ASC v\u0259 "NBCBank" ASC-y\u0259 inzibat\u00e7\u0131 t\u0259yin etmi\u015fdi. May\u0131n 1-d\u0259 "Atabank" v\u0259 "AmrahBank"\u0131n lisenziyas\u0131 l\u0259\u011fv edilib.\n<\/p>\n

\n Daha sonra, may\u0131n 12-d\u0259 d\u0259 "AGbank" v\u0259 "NBCBank"\u0131n lisenziyalar\u0131 da l\u0259\u011fv olunub.\n<\/p>\n

\n "Atabank" v\u0259 "AmrahBank"\u0131n lisenziyalar\u0131 l\u0259\u011fv edil\u0259rk\u0259n M\u0259rk\u0259zi Bank bel\u0259 a\u00e7\u0131qlama vermi\u015fdi: "Qeyd olunan banklar\u0131n maliyy\u0259 v\u0259ziyy\u0259tinin pisl\u0259\u015fm\u0259si \u00e7oxdan ba\u015flam\u0131\u015fd\u0131, x\u00fcsus\u0259n "Atabank" ASC uzun m\u00fcdd\u0259tdir ki, \u0259halinin \u0259man\u0259tl\u0259rinin qaytar\u0131lmas\u0131 \u00fczr\u0259 \u00f6hd\u0259likl\u0259rini icra ed\u0259 bilmirdi".\n<\/p>\n

\n Qalan iki bank\u0131n da lisenziyas\u0131n\u0131n l\u0259\u011fvi, \u0259sas\u0259n, onlar\u0131n \u00f6hd\u0259likl\u0259rini yerin\u0259 yetir\u0259 bilm\u0259m\u0259l\u0259ri il\u0259 izah edilmi\u015fdi. Amma h\u0259min qurumlardan bu d\u0259y\u0259rl\u0259ndirm\u0259y\u0259 h\u0259r hans\u0131 bir m\u00fcnasib\u0259t bildirilm\u0259mi\u015fdi.\n<\/p>\n

\n 2015-ci ild\u0259 is\u0259 Az\u0259rbaycanda iki devalvasiyan\u0131n ba\u015f verm\u0259si (D\u00fcnyada neftin qiym\u0259ti k\u0259skin ucuzla\u015fandan sonra) v\u0259 manat\u0131n dollar qar\u015f\u0131s\u0131nda iki d\u0259f\u0259 d\u0259y\u0259r itirm\u0259si n\u0259tic\u0259sind\u0259 bank sektorunda t\u0259lat\u00fcml\u0259r \u00f6z\u00fcn\u00fc g\u00f6st\u0259rmi\u015fdi. Onda 10-dan \u00e7ox bank ba\u011flanm\u0131\u015fd\u0131. Bu da onlar\u0131n \u00f6hd\u0259likl\u0259rini yerin\u0259 yetir\u0259 bilm\u0259m\u0259l\u0259ri il\u0259 izah edilirdi. H\u0259min banklarda qorunan \u0259man\u0259tl\u0259rin qaytar\u0131ld\u0131\u011f\u0131 a\u00e7\u0131qlan\u0131b.\n<\/p>\n

\n Haz\u0131rda Az\u0259rbaycanda 26 bank var.<\/p>\n","protected":false},"excerpt":{"rendered":"

\u018fkr\u0259m H\u0259s\u0259nov bildirir ki, q\u0259rar\u0131n ad\u0131 da \u00e7ox m\u00fc\u0259mmal\u0131d\u0131r:<\/p>\n","protected":false},"author":11,"featured_media":79501,"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-201893","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":"\nKonstitusiya M\u0259hk\u0259m\u0259si ba\u011flanan banklarda qalan \u0259man\u0259tl\u0259rl\u0259 ba\u011fl\u0131 q\u0259rar verdi - 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\/konstitusiya-mehkemesi-baglanan-banklarda-qalan-emanetlerle-bagli-qerar-verdi\/\" \/>\n<meta property=\"og:locale\" content=\"az_AZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Konstitusiya M\u0259hk\u0259m\u0259si ba\u011flanan banklarda qalan \u0259man\u0259tl\u0259rl\u0259 ba\u011fl\u0131 q\u0259rar verdi - 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