{"id":300209,"date":"2024-02-29T16:00:51","date_gmt":"2024-02-29T12:00:51","guid":{"rendered":"https:\/\/www.meydan.tv\/?p=300209"},"modified":"2024-02-29T16:01:00","modified_gmt":"2024-02-29T12:01:00","slug":"elcatmaz-guzestli-kreditler-yuksek-faizler-ve-borc-icinde-uzen-kendliler","status":"publish","type":"post","link":"https:\/\/www.meydan.tv\/az\/article\/elcatmaz-guzestli-kreditler-yuksek-faizler-ve-borc-icinde-uzen-kendliler\/","title":{"rendered":"\u018fl\u00e7atmaz g\u00fcz\u0259\u015ftli kreditl\u0259r, y\u00fcks\u0259k faizl\u0259r v\u0259 borc i\u00e7ind\u0259 \u00fcz\u0259n k\u0259ndlil\u0259r…"},"content":{"rendered":"\n

<\/p>\n\n\n\n

\u0130qtisad\u00e7\u0131 ekspert: “K\u0259ndli g\u00fcz\u0259\u015ftli kredit imkanlar\u0131na \u00e7\u0131xa bilmirs\u0259, bu, bank\u0131n deyil, sistemin g\u00fcnah\u0131d\u0131r”<\/em><\/strong><\/p>\n\n\n\n

G\u00f6y\u00e7ay\u0131n L\u0259k\u00e7\u0131plaq k\u0259nd sakini Natiq \u0130smay\u0131lov k\u0259nd t\u0259s\u0259rr\u00fcfat\u0131na bigan\u0259 m\u00fcnasib\u0259td\u0259n naraz\u0131d\u0131r.<\/p>\n\n\n\n

Yegan\u0259 qazanc m\u0259nb\u0259yi torpaq sah\u0259si olan k\u0259ndli g\u00fcz\u0259\u015ftli kredit almaq ist\u0259yir, amma bunun \u0259l\u00e7atmaz oldu\u011funu deyir.<\/p>\n\n\n\n

Yazl\u0131q \u0259kinl\u0259 ba\u011fl\u0131 qay\u011f\u0131lar\u0131n\u0131 Meydan TV-y\u0259 b\u00f6l\u00fc\u015f\u0259n \u0130smay\u0131lov deyir ki, \u00f6t\u0259n il ziyana d\u00fc\u015fs\u0259 d\u0259, bankdan biznes krediti g\u00f6t\u00fcr\u0259r\u0259k 9 min pomidor \u015fitili \u0259kib.<\/p>\n\n\n\n

Onun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, \u00fcmumilikd\u0259 \u0259kinin\u0259 10 min manat x\u0259rc \u00e7\u0131x\u0131b ki, bunun da yaln\u0131z 3 minini kreditl\u0259 \u00f6d\u0259y\u0259 bilib. Yayda yeti\u015f\u0259c\u0259k m\u0259hsula \u00fcmidlidir ki, kredit v\u0259 borclar\u0131n\u0131 \u00f6d\u0259sin.<\/p>\n\n\n\n

“G\u00fcz\u0259\u015ftli iri m\u0259bl\u0259\u011fd\u0259 kredit\u0259 ehtiyac\u0131m\u0131z var…”<\/strong><\/p>\n\n\n\n

Deyir ki, d\u00f6vl\u0259t hesab\u0131na g\u00fcz\u0259\u015ftli kreditl\u0259r k\u0259ndlil\u0259r \u00fc\u00e7\u00fcn \u0259l\u00e7atmazd\u0131r. Nisb\u0259t\u0259n \u0259l\u00e7atan is\u0259 faizi y\u00fcks\u0259k, \u015f\u0259rtl\u0259ri a\u011f\u0131r biznes kreditl\u0259ridir:<\/p>\n\n\n\n

“G\u00fcz\u0259\u015ftli iri m\u0259bl\u0259\u011fd\u0259 kredit\u0259 ehtiyac\u0131m\u0131z var, ancaq onlar bizim kimi \u0259kin\u00e7il\u0259r \u00fc\u00e7\u00fcn \u0259l\u00e7atmazd\u0131r. Bu il yazl\u0131q \u0259kin\u00a0 \u00fc\u00e7\u00fcn 3 min manat 15 faizli\u00a0 kredit g\u00f6t\u00fcr\u0259 bildim. Bir il \u0259rzind\u0259 518 manat faiz \u00f6d\u0259m\u0259liy\u0259m. H\u0259l\u0259 bu, g\u00fcz\u0259\u015ftli oland\u0131r. Daha iri m\u0259bl\u0259\u011f \u00fc\u00e7\u00fcn \u00e7oxlu zaminl\u0259r t\u0259l\u0259b edilir. K\u0259ndli torpaqdan qazan\u0131r, y\u00fcks\u0259k maa\u015fl\u0131 zamini haradan taps\u0131n?”.<\/em><\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

“7 faizli krediti biz\u0259 20-25 faizd\u0259n verirl\u0259r”<\/strong><\/p>\n\n\n\n

L\u0259k\u00e7\u0131plaq sakini deyir ki, istixanalar\u0131n qurulmas\u0131, \u0259kilm\u0259si, alt\u0131 ma\u015f\u0131n odunun al\u0131nmas\u0131, \u015fitilin qiym\u0259ti v\u0259 dig\u0259r i\u015fl\u0259r \u00fc\u00e7\u00fcn indiy\u0259d\u0259k 10 min manat x\u0259rc \u00e7\u0259kib:<\/p>\n\n\n\n

“Mayda yeti\u015f\u0259c\u0259k m\u0259hsula h\u0259l\u0259 7-8 min manat da x\u0259rcl\u0259m\u0259liy\u0259m. \u00c7\u00fcnki pestisidi, g\u00fcbr\u0259si, f\u0259hl\u0259si, ipi, sellofan \u00f6rt\u00fcy\u00fc bahad\u0131r. Kreditimin yar\u0131s\u0131 \u00f6z ad\u0131mad\u0131r, yar\u0131s\u0131 qohumlar\u0131m\u0131n v\u0259 dostlar\u0131m\u0131n. \u00c7\u00fcnki y\u00fcks\u0259k maa\u015fl\u0131 i\u015fin, \u00e7oxlu q\u0131z\u0131l\u0131n, zaminl\u0259rin yoxdursa, kredit verilmir. A\u015fa\u011f\u0131 faizli y\u00fcks\u0259k m\u0259bl\u0259\u011fli kreditl\u0259r\u0259 el\u0259 \u015f\u0259rtl\u0259r qoyurlar ki, 1 ay s\u00fcr\u00fcn\u00fcrs\u0259n, al\u0131nd\u0131ra bilmirs\u0259n. Normalda 7 faizli krediti g\u00f6t\u00fcr\u00fcb, biz\u0259 20-25 faizd\u0259n verirl\u0259r, qazanc da \u00f6zl\u0259rin\u0259 qal\u0131r”<\/em>.<\/p>\n\n\n\n

“\u0130ll\u0259rdir ki, eyni v\u0259ziyy\u0259t d\u0259yi\u015fmir. Deyirl\u0259r ki, torpaqdan V\u00d6EN a\u00e7, vergi \u00f6d\u0259, y\u00fcks\u0259k maa\u015fl\u0131 zaminl\u0259r tap, q\u0131z\u0131l g\u0259tir, \u0259mlak\u0131n\u0131, \u0259kinini d\u0259 girov g\u00f6t\u00fcr\u0259k. B\u00fct\u00fcn bu a\u011f\u0131r \u015f\u0259rtl\u0259rd\u0259n sonra d\u00f6vl\u0259t x\u0259tti il\u0259\u00a0 6-7 mind\u0259n art\u0131q kredit d\u00fc\u015fm\u00fcr. Onu da h\u0259l\u0259 \u00f6z ad\u0131ma ala bilm\u0259mi\u015f\u0259m. Pensiya alan anam v\u0259 I qrup \u0259lillik alan dostum zamin durub g\u00f6t\u00fcrd\u00fck. Yayda m\u0259hsulu g\u0259r\u0259k 3-4 manatdan satasan ki, o krediti \u00f6d\u0259y\u0259s\u0259n, a\u015fa\u011f\u0131 qiym\u0259t ziyand\u0131r. Ne\u00e7\u0259 ildir ki, pomidorun yazl\u0131q qiym\u0259ti 1-1.50 q\u0259pik olur. G\u0259l, indi krediti \u00f6d\u0259”,<\/em> – bel\u0259 deyir k\u0259nd sakini.<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

“Kredit verm\u0259dil\u0259r ki, \u0259kini \u00e7oxald\u0131m”<\/strong><\/p>\n\n\n\n

K\u0259ndin dig\u0259r sakini Nurlan C\u0259lalov deyir ki, kredit g\u00f6t\u00fcrm\u0259k \u00fc\u00e7\u00fcn k\u0259ndli 700-800 manat civar\u0131nda maa\u015f almal\u0131d\u0131r. Bundan ba\u015fqa, ona pensiya alan \u00fc\u00e7 n\u0259f\u0259r zamin durmal\u0131, ya da h\u0259r min manata 32-33 qram q\u0131z\u0131l, y\u00fcks\u0259k qiym\u0259t\u0259 ged\u0259n da\u015f\u0131nmaz \u0259mlak v\u0259 s. girov qoymal\u0131d\u0131r.<\/p>\n\n\n\n

Onun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, ill\u0259rdir ki, rayondak\u0131 kredit t\u0259\u015fkilatlar\u0131 v\u0259 banklar \u00f6zl\u0259rin\u0259 s\u0259rf ed\u0259n faiz v\u0259 \u015f\u0259rtl\u0259rl\u0259 biznes kreditl\u0259ri verirl\u0259r:<\/p>\n\n\n\n

“\u00d6t\u0259n il 8 min \u015fitil \u0259kdim, pay\u0131zl\u0131q \u0259kin m\u0259hv oldu, h\u0259l\u0259 d\u0259 ziyandayam. Yenid\u0259n 2 min \u015fitil \u0259kdim. Kredit verm\u0259dil\u0259r ki, \u0259kini \u00e7oxald\u0131m. 4 il \u00f6nc\u0259 2 min manat 20 faizl\u0259 kredit\u0259 g\u00f6t\u00fcrd\u00fcm, h\u0259l\u0259 d\u0259 \u00f6d\u0259yir\u0259m. O 2 min manat 3-4 qat m\u0259nd\u0259n \u00e7\u0131xd\u0131. K\u0259ndliy\u0259 d\u0259st\u0259k ham\u0131dan \u00e7ox laz\u0131md\u0131r. D\u00f6vl\u0259t g\u00fcz\u0259\u015ftli \u015f\u0259rtl\u0259rl\u0259 10 min manat\u0131 k\u0259ndliy\u0259 versin, biz d\u0259 \u0259k\u0259k, h\u0259m d\u0259 d\u00f6vl\u0259t\u0259 xeyir ver\u0259k. Onu da g\u0259r\u0259k a\u015fa\u011f\u0131 faizl\u0259 versinl\u0259r. Amma 20-25 faizl\u0259 ver\u0259nd\u0259 qazanc da ancaq bank\u0131n olur, k\u0259ndliy\u0259 he\u00e7 n\u0259 qalm\u0131r”<\/em>.<\/p>\n\n\n\n

“Olmaz ki, k\u0259ndliy\u0259 d\u0259st\u0259k verilsin, t\u0259s\u0259rr\u00fcfat\u0131, \u0259kini art\u0131rs\u0131n, h\u0259m dolans\u0131n, h\u0259m d\u00f6vl\u0259t\u0259 vergi \u00f6d\u0259sin? \u015e\u0259xs\u0259n m\u0259n ne\u00e7\u0259 d\u0259f\u0259 c\u0259hd etdims\u0259, g\u00fcz\u0259\u015ftli kredit ala bilm\u0259dim. Atam g\u00f6t\u00fcr\u00fcb, ail\u0259d\u0259 h\u0259r iki valideynim pensiya\u00e7\u0131d\u0131r. \u00dc\u00e7 pensiya\u00e7\u0131 zaminl\u0259, t\u0259s\u0259rr\u00fcfat girov qoyulmaqla 3 illiy\u0259 7 min manat g\u00f6t\u00fcrd\u00fcl\u0259r. Ayl\u0131q 180 manat g\u00fcz\u0259\u015ft faizi \u00f6d\u0259y\u0259c\u0259kl\u0259r, sonra 400 manatdan \u00f6d\u0259m\u0259lidirl\u0259r. \u00dc\u00e7 ilin yekununda 3 min \u0259lav\u0259 \u00f6d\u0259nil\u0259c\u0259k. Bu is\u0259 25 faiz edir. Faizi guya kampaniya \u015f\u0259kilind\u0259 a\u015fa\u011f\u0131 endirirl\u0259r, amma \u0259slind\u0259 \u0259halini aldad\u0131rlar. K\u0259ndli m\u0259cburdur ki, kredit g\u00f6t\u00fcrs\u00fcn, \u00e7\u00fcnki ba\u015fqa \u0259lac\u0131 da yoxdur”<\/em>, – dey\u0259 L\u0259k\u00e7\u0131plaq k\u0259nd sakini v\u0259ziyy\u0259ti bel\u0259 izah edir.<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

“20 min\u0259 12 min pul \u00f6d\u0259nil\u0259c\u0259k”<\/strong><\/p>\n\n\n\n

M\u0131rt\u0131 k\u0259nd sakini Elm\u0259ddin \u0130sayev d\u0259 ail\u0259 \u00fczvl\u0259ri v\u0259 yax\u0131n qohumlar\u0131 il\u0259 birg\u0259 ayr\u0131-ayr\u0131 vaxtlarda 24 min manat m\u0259bl\u0259\u011find\u0259 biznes krediti g\u00f6t\u00fcr\u00fcb.<\/p>\n\n\n\n

O, “Bank Respublika”n\u0131n G\u00f6y\u00e7ay filial\u0131ndan krediti  22 faizd\u0259n g\u00f6t\u00fcr\u00fcb. Deyir ki, \u00f6nc\u0259d\u0259n xidm\u0259thaqq\u0131 da al\u0131blar. Ona g\u00f6r\u0259 d\u0259 sonunda 4 min manata \u0259lav\u0259 900 manat da \u00f6d\u0259y\u0259c\u0259k.<\/p>\n\n\n\n

10 min \u015fitil \u0259kdiyini dey\u0259n k\u0259ndli evini, \u0259kin sah\u0259sini girov qoyub, 3 n\u0259f\u0259r pensiya\u00e7\u0131 is\u0259 ona zamin durub.<\/p>\n\n\n\n

Dediyin\u0259 g\u00f6r\u0259, ilk \u00fc\u00e7 ay 75 manat, sonra is\u0259 307 manat kredit \u00f6d\u0259y\u0259c\u0259k:<\/p>\n\n\n\n

“Yekunda 20 min\u0259 12 min manat pul \u00f6d\u0259nil\u0259c\u0259k. Bu, art\u0131q isismard\u0131r. Ancaq\u00a0 \u00e7\u0131x\u0131\u015f yolu da yoxdur. G\u0259lir yox, i\u015f yox, deyirl\u0259r k\u0259ndlis\u0259n get torpa\u011f\u0131n\u0131 \u0259k, dolan, vergi \u00f6d\u0259. \u00dcmidimiz yazl\u0131q \u0259kin\u0259dir. Yax\u015f\u0131 qiym\u0259t\u0259 ged\u0259n kimi sat\u0131b \u00f6nc\u0259 bank\u0131n pulunu verm\u0259k ist\u0259yirik ki, boynumuzda y\u00fck kimi qalmas\u0131n. Pul olmasa, \u0259kini d\u0259 etm\u0259k olmur”<\/em>.<\/p>\n\n\n\n

3 milyarddan \u00e7ox g\u00fcz\u0259\u015ftli kredit hara v\u0259 nec\u0259 x\u0259rcl\u0259nib?<\/strong><\/p>\n\n\n\n

Az\u0259rbaycanda son 20 ild\u0259 sahibkarlara 3 milyarddan \u00e7ox\u00a0 g\u00fcz\u0259\u015ftli kreditin verildiyi deyilir.<\/p>\n\n\n\n

Sahibkarl\u0131\u011f\u0131n \u0130nki\u015faf\u0131 Fondunun m\u0259lumat\u0131na g\u00f6r\u0259, \u00f6t\u0259n il sahibkarlara 193.8 milyon manat m\u0259bl\u0259\u011find\u0259 g\u00fcz\u0259\u015ftli kredit verilib. Bunun  77 milyonu k\u0259nd t\u0259s\u0259rr\u00fcfat\u0131 m\u0259hsullar\u0131n\u0131n istehsal\u0131 v\u0259 emal\u0131 \u00fc\u00e7\u00fcn fermerl\u0259r\u0259 ayr\u0131l\u0131b.<\/p>\n\n\n\n

2022-ci ild\u0259 is\u0259 bu m\u0259bl\u0259\u011f 2021-ci il\u0259 nisb\u0259t\u0259n 39,4 % \u00e7ox, y\u0259ni  28.3 milyon manat m\u0259bl\u0259\u011find\u0259 olub. \u00dcmumilikd\u0259 is\u0259 2003-2022-ci ill\u0259r \u0259rzind\u0259 \u00f6lk\u0259 sahibkarlar\u0131  2,83 milyard manat g\u00fcz\u0259\u015ftli kredit imkanlar\u0131ndan yararlana bilib.<\/p>\n\n\n\n

G\u00fcz\u0259\u015ftli kreditl\u0259rin  62,2 faizi (1,76 milyard manat) regionlar\u0131n pay\u0131na d\u00fc\u015f\u00fcb. H\u0259min kreditl\u0259rin yaln\u0131z 50,7 faizi k\u0259nd t\u0259s\u0259r\u00fcfat\u0131 m\u0259hsullar\u0131n\u0131n istehsal\u0131na y\u00f6n\u0259lib.<\/p>\n\n\n\n

G\u00fcz\u0259\u015ftli kredit m\u0259bl\u0259\u011finin m\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131 \u00fczr\u0259 b\u00f6lg\u00fcs\u00fcn\u0259 n\u0259z\u0259r yetir\u0259nd\u0259 m\u0259lum olur ki, “Bank Respublika”, “Kapital Bank” ilk iki yeri tutur.<\/p>\n\n\n\n

Son \u00fc\u00e7 yerd\u0259 is\u0259 “Rabit\u0259bank” , “Pa\u015fa Bank ” v\u0259 \u201cXalq Bank\u201d durur. Y\u0259ni ill\u0259rdir ki, g\u00fcz\u0259\u015ftli kreditl\u0259r bu banklar vasit\u0259sil\u0259 sahibkarlara “\u0259l\u00e7atan” olur.<\/p>\n\n\n\n

Sahibkarl\u0131\u011f\u0131n \u0130nki\u015faf\u0131 Fondunun Partnyorlar\u0131 i\u015f \u015f\u00f6b\u0259sinin m\u00fcdiri \u0130smay\u0131l H\u00fcseynov jurnalistl\u0259r\u0259 deyib ki, g\u00fcz\u0259\u015ftli kredit mexanizmind\u0259 aqrar sektorun pay\u0131 55%-dir.<\/p>\n\n\n\n

Banklar\u0131n\u00a0 g\u00fcz\u0259\u015ftli kreditd\u0259n daha \u00e7ox biznes kreditl\u0259rinin t\u0259klifin\u0259 g\u0259ldikd\u0259 is\u0259 \u015f\u00f6b\u0259 m\u00fcdiri m\u0259s\u0259l\u0259ni bel\u0259 \u015f\u0259rh edib: <\/p>\n\n\n\n

“Biz\u0259 fermerl\u0259rd\u0259n, sahibkarlardan g\u0259l\u0259n sual o istiqam\u0259td\u0259 olur ki, banklar niy\u0259 d\u00f6vl\u0259tin d\u0259st\u0259yi il\u0259, y\u0259ni a\u015fa\u011f\u0131 faizli kredit yox, m\u0259hz biznes kreditl\u0259ri t\u0259klif edirl\u0259r? Bu, \u0259slind\u0259, banklardan k\u0259nd t\u0259s\u0259rr\u00fcfat\u0131na kifay\u0259t q\u0259d\u0259r d\u0259st\u0259yin oldu\u011funa s\u00fcbutdur”<\/em>.<\/p>\n\n\n\n

Aqrar Kredit v\u0259 \u0130nki\u015faf Agentliyinin r\u0259smi sayt\u0131nda bildirilir ki, fermerl\u0259r\u0259 bir ild\u0259n be\u015f il\u0259d\u0259k m\u00fcdd\u0259t\u0259 faiz d\u0259r\u0259c\u0259si yeddi faizd\u0259n olaraq min manatdan 200 min manatad\u0259k k\u0259nd t\u0259s\u0259rr\u00fcfat\u0131n\u0131n inki\u015faf\u0131 \u00fc\u00e7\u00fcn g\u00fcz\u0259\u015ftli kredit ayr\u0131l\u0131r.<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

B\u0259s problem n\u0259d\u0259dir?<\/strong><\/p>\n\n\n\n

K\u0259ndlil\u0259r deyirl\u0259r ki, kredit\u0259 m\u00fcraci\u0259t ed\u0259nl\u0259rd\u0259n t\u0259l\u0259b olunan s\u0259n\u0259dl\u0259r \u0259l\u00e7atmazd\u0131r. T\u0259l\u0259b olunan biznes plandan tutmu\u015f  girov \u0259mlak\u0131 v\u0259 h\u0259yat s\u0131\u011fortas\u0131 m\u00fcraci\u0259t ed\u0259nl\u0259ri ruhdan sal\u0131r.<\/p>\n\n\n\n

Bel\u0259likl\u0259, Agentliyin “inki\u015faf” dey\u0259 t\u0259qdim etdiyi g\u00fcz\u0259\u015ftli kreditl\u0259rin k\u0259ndlinin qabarl\u0131 \u0259ll\u0259ri v\u0259 z\u0259hm\u0259ti il\u0259 yeti\u015fdirdiyi m\u0259hsula he\u00e7 bir faydas\u0131 yoxdur, \u0259ksin\u0259, bu, el\u0259 qurumun v\u0259 ayr\u0131-ayr\u0131 v\u0259zif\u0259li \u015f\u0259xsl\u0259rin maraqlar\u0131na xidm\u0259t edir.<\/p>\n\n\n\n

“\u00d6lk\u0259d\u0259 g\u00fcz\u0259\u015ftli kredit m\u0259nb\u0259l\u0259ri\u00a0 m\u0259hduddur”<\/strong><\/p>\n\n\n\n

\u0130qtisad\u00e7\u0131 R\u0259\u015fad H\u0259s\u0259nov Meydan TV-y\u0259 deyir ki, k\u0259nd t\u0259s\u0259rr\u00fcfat\u0131nda \u00e7al\u0131\u015fanlar \u00fc\u00e7\u00fcn g\u00fcz\u0259\u015ftli kredit imkanlar\u0131ndan yararlanmaq \u00e7\u0259tindir.<\/p>\n\n\n\n

O, bunu ill\u0259rdir aqrar sah\u0259d\u0259  apar\u0131lan yaln\u0131\u015f siyas\u0259tin do\u011furdu\u011fu n\u0259tic\u0259 kimi qiym\u0259tl\u0259ndirir:<\/p>\n\n\n\n

“Birincisi, faktiki \u00f6lk\u0259d\u0259 g\u00fcz\u0259\u015ftli kredit m\u0259nb\u0259l\u0259ri\u00a0m\u0259hduddur. K\u0259nd t\u0259s\u0259r\u00fcfat\u0131na y\u00f6n\u0259lmi\u015f aqrar kredit portfelind\u0259 115 milyon manat m\u0259bl\u0259\u011find\u0259\u00a0 g\u00fcz\u0259\u015ftli kredit g\u00f6r\u0259c\u0259yik. Sahibkarl\u0131\u011fa Yard\u0131m Fondu il \u0259rzind\u0259 150-200 milyon g\u00fcz\u0259\u015ftli kredit t\u0259klif edir ki, bunun da t\u0259xmin\u0259n aqrar sah\u0259y\u0259 80-100 milyonu ayr\u0131l\u0131r. H\u0259tta son ill\u0259r bu m\u0259bl\u0259\u011fd\u0259 azalmalar m\u00fc\u015fahid\u0259 olunur. Ba\u015fl\u0131ca s\u0259b\u0259b fondlar\u0131n t\u0259klif etdiyi kredit m\u0259bl\u0259\u011fl\u0259ri, m\u0259nb\u0259l\u0259r m\u0259hduddur, y\u0259ni maliyy\u0259 \u00e7at\u0131\u015fmazl\u0131\u011f\u0131, m\u0259bl\u0259\u011fin m\u0259hdudlu\u011fu var. Bazarda 25 milyard manat\u00a0 kredit varsa da, son ill\u0259r\u00a0 \u0259n yax\u015f\u0131 halda bir milyard\u0131 g\u00fcz\u0259\u015ftli \u015f\u0259rtl\u0259r \u00e7\u0259r\u00e7iv\u0259sind\u0259 verilmi\u015f kreditl\u0259rdir. \u0130kinci s\u0259b\u0259b k\u0259ndlil\u0259r\u0259 m\u00fcnasib\u0259td\u0259 hesabats\u0131zl\u0131q var. \u00d6lk\u0259d\u0259 adi t\u0259s\u0259rr\u00fcfatlar\u0131n f\u0259aliyy\u0259ti il\u0259 ba\u011fl\u0131 u\u00e7ot getmir. Bu u\u00e7otsuzluq\u00a0 k\u0259ndlil\u0259rin g\u00fcz\u0259\u015ftli kredit\u0259 m\u00fcraci\u0259t imkanlar\u0131n\u0131 m\u0259hdudla\u015fd\u0131r\u0131r. Bir dig\u0259r problem d\u0259 g\u00fcz\u0259\u015ftli kredit mexanizminin \u0259ks\u0259riyy\u0259ti y\u00fck\u00fc, m\u0259suliyy\u0259ti\u00a0m\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131n\u0131n \u00fcz\u0259rin\u0259 y\u0259ni banklar\u0131n, bank olmayan kredit t\u0259\u015fkilatlar\u0131n \u00fcz\u0259rin\u0259 qoyur. S\u0130F v\u0259saiti verir, ancaq o v\u0259saiti bank vasit\u0259sil\u0259 sahibkara, fermer\u0259 verir ki, v\u0259saitin geri qaytar\u0131lmas\u0131 il\u0259 ba\u011fl\u0131 he\u00e7 bir m\u0259suliyy\u0259t da\u015f\u0131mas\u0131n”<\/em>.<\/p>\n\n\n

\n
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R\u0259\u015fad H\u0259s\u0259nov. Foto: \u015e\u0259xsi arxivind\u0259n <\/figcaption><\/figure>\n<\/div>\n\n\n

\u0130qtisad\u00e7\u0131 deyir ki, qanunvericilikl\u0259 bu m\u0259suliyy\u0259t banklar v\u0259 bank olmayan kredit t\u0259\u015fkilatlar\u0131n\u0131n \u00f6hd\u0259liyin\u0259 burax\u0131l\u0131r:<\/p>\n\n\n\n

“\u018fv\u0259zind\u0259\u00a0 kreditl\u0259rl\u0259 ba\u011fl\u0131 gecikm\u0259 olanda h\u0259tta onlara d\u0259bb\u0259 pulu bel\u0259 hesablay\u0131r. N\u0259tic\u0259d\u0259 d\u0259 banklar v\u0259 kredit t\u0259\u015fkilatlar\u0131 se\u00e7ici yana\u015fma\u011fa v\u0259 t\u0259minatl\u0131 kreditl\u0259\u015fm\u0259y\u0259 getm\u0259y\u0259 m\u0259cbur olur. Onlar kommersiya t\u0259\u015fkilat\u0131d\u0131r, t\u0259bii ki, sosial siyas\u0259t mara\u011f\u0131nda olmayacaqlar, biznes maraqlar\u0131 \u00fcst\u0259l\u0259y\u0259c\u0259k. Onlar\u00a0 g\u00fcz\u0259\u015ftli kredit \u00fc\u00e7\u00fcn likvid girovu olanlar\u0131, y\u0259ni q\u0131sa m\u00fcdd\u0259t\u0259 na\u011fla\u015fd\u0131r\u0131la bil\u0259n girovlar t\u0259l\u0259b edir. K\u0259ndl\u0259rd\u0259 da\u015f\u0131nmaz \u0259mlaklar is\u0259 likvid deyil. Ordak\u0131 \u0259mlaklar\u0131 satmaq \u00fc\u00e7\u00fcn aylarla, ill\u0259rl\u0259 vaxt laz\u0131m olur, kredit t\u0259\u015fkilat\u0131 da bunda maraql\u0131 olmayacaq. \u00c7ox vaxt da onlar daha\u00a0 likvid girovlar kimi regionda kredit g\u00f6t\u00fcr\u0259nl\u0259rd\u0259n bel\u0259 Ab\u015feron yar\u0131madas\u0131nda, Bak\u0131 v\u0259 Bak\u0131 \u0259traf\u0131ndan da\u015f\u0131nmaz \u0259mlak girovu t\u0259l\u0259b olunur. \u018fsas s\u0259b\u0259bi d\u0259 regionlarda da\u015f\u0131nmaz \u0259mlak likvidliyinin z\u0259if olmas\u0131d\u0131r. G\u00fcz\u0259\u015ftli kredit m\u00fcmk\u00fcn q\u0259d\u0259r hesabat\u0131 olan, d\u0259qiq biznes plan t\u0259qdim ed\u0259 bil\u0259n, likvid girovu olan subyektl\u0259r\u0259 g\u00fcz\u0259\u015ftli kredit verir. N\u0259tic\u0259d\u0259 he\u00e7 bir u\u00e7ot aparmayan, likvid girovu v\u0259 s\u0131\u011fortas\u0131 olmayan k\u0259ndli, ail\u0259 fermer t\u0259s\u0259rr\u00fcfat\u0131 g\u00fcz\u0259\u015ftli kredit g\u00f6t\u00fcr\u0259 bilmir”<\/em>.<\/p>\n\n\n\n

“K\u0259ndlil\u0259r \u00fc\u00e7\u00fcn \u00f6lk\u0259d\u0259 sosial sahibkarl\u0131q \u0259sasl\u0131 maliyy\u0259l\u0259\u015fdirm\u0259 v\u0259 mikromaliyy\u0259 institutlar\u0131 yarad\u0131lmal\u0131d\u0131r”<\/strong><\/p>\n\n\n\n

Ekspert dig\u0259r \u00e7at\u0131\u015fmazl\u0131\u011f\u0131 aqrar sah\u0259d\u0259 s\u0131\u011forta mexanizminin inki\u015faf etm\u0259m\u0259si il\u0259 \u0259laq\u0259l\u0259ndirir:<\/p>\n\n\n\n

“20-ci \u0259srin \u0259vv\u0259l\u0259rind\u0259\u00a0 aqrar sah\u0259nin inki\u015faf\u0131 il\u0259 ba\u011fl\u0131 siyas\u0259t aparan h\u00f6kum\u0259tl\u0259rin \u0259n prioritet m\u0259s\u0259l\u0259si olsa da, Az\u0259rbaycana bu yar\u0131m\u00e7\u0131q \u00e7atd\u0131. \u00d6lk\u0259d\u0259 aqrar sektorda m\u00fc\u0259yy\u0259n m\u0259nada t\u0259bii\u00a0 riskl\u0259rd\u0259n qism\u0259n\u00a0 qorunma s\u0131\u011fortas\u0131 var, ancaq maliyy\u0259 institutu bilmir ki, hava, m\u0259hsuldarl\u0131q nec\u0259 olacaq, z\u0259r\u0259rvericil\u0259r nec\u0259 t\u0259sir g\u00f6st\u0259r\u0259c\u0259k, ixraca ba\u011fl\u0131 n\u0259 problem yaranacaq. Ona g\u00f6r\u0259 d\u0259 sahibkar\u0131n, fermerin m\u0259hsulu batacaq dey\u0259 g\u00fcz\u0259\u015ftli kredit verm\u0259k ist\u0259mir. Aqrar sah\u0259d\u0259 riskl\u0259r, itkil\u0259r \u00e7oxdur dey\u0259 d\u00fcnyan\u0131n \u00e7ox \u00f6lk\u0259l\u0259rind\u0259 maliyy\u0259 sektoru aqrar sah\u0259ni kreditl\u0259\u015fdirm\u0259d\u0259 \u00e7ox maraql\u0131 deyil. Az\u0259rbaycanda is\u0259 v\u0259ziyy\u0259t lap g\u0259rgindir. Birm\u0259nal\u0131 kreditl\u0259r ancaq m\u0259hsula ba\u011fl\u0131d\u0131r. Kredit ilin \u0259vv\u0259lind\u0259 verilir, m\u00fc\u0259yy\u0259n faizl\u0259r al\u0131n\u0131r, m\u00fc\u0259yy\u0259n g\u00fcz\u0259\u015ft d\u00f6vr\u00fc tan\u0131m\u0131r v\u0259 m\u0259hsul y\u0131\u011f\u0131m d\u00f6vr\u00fcnd\u0259 v\u0259sait geri qaytar\u0131l\u0131r. D\u00fcnyada inki\u015faf etmi\u015f \u00f6lk\u0259l\u0259r bu problemi s\u0131\u011forta sistemi il\u0259 h\u0259ll edir, yaln\u0131z bizd\u0259ki kimi qism\u0259n t\u0259bii f\u0259lak\u0259tl\u0259rd\u0259n deyil, h\u0259tta bazarda qiym\u0259tin d\u0259yi\u015fm\u0259sind\u0259n, bazar t\u0259hl\u00fck\u0259sind\u0259n, t\u0259s\u0259rr\u00fcfat sahibl\u0259rini g\u0259lirl\u0259rin d\u0259yi\u015fm\u0259sind\u0259n, ixrac riskl\u0259rind\u0259n s\u0131\u011fortalay\u0131r. Bel\u0259 h\u0259rt\u0259r\u0259fli s\u0131\u011fortal\u0131 sistemd\u0259 maliyy\u0259 sistemi g\u00fcz\u0259\u015ftli krediti yat\u0131rma\u011fa maraql\u0131 olur”<\/em>.<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

Onun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, Az\u0259rbaycanda, t\u0259\u0259ss\u00fcf ki, maliyy\u0259 institutlar\u0131na t\u0259minat verilm\u0259diyind\u0259n bank da pulunu y\u00fcks\u0259k faiz\u0259 satmaqda maraql\u0131 olur:<\/p>\n\n\n\n

“Son ill\u0259r Az\u0259rbaycan banklar\u0131nda izafilik art\u0131b. Y\u0259ni \u0259lind\u0259 pul v\u0259saiti, \u0259man\u0259t \u00e7oxdur, ancaq bazarda yerl\u0259\u015fdir\u0259 bilmir. Sistem \u0259h\u0259miyy\u0259tli iri banklar \u0259man\u0259ti h\u0259tta 1-2 faizd\u0259n g\u00f6t\u00fcr\u00fcrd\u00fc, \u00e7\u00fcnki pul \u00e7oxdur, bazarda yerl\u0259\u015fdir\u0259 bilmir. Niy\u0259 banklar bu q\u0259d\u0259r pulu 20-25%-d\u0259n deyil d\u0259 7-8 %-d\u0259 g\u00fcz\u0259\u015ftli kredit resursu kimi verm\u0259sin? \u018fg\u0259r t\u0259s\u0259rr\u00fcfat sahibl\u0259ri g\u00fcz\u0259\u015ftli kredit imkanlar\u0131na \u00e7\u0131xa bilmirs\u0259, bu bank\u0131n deyil, sistemin g\u00fcnah\u0131d\u0131r. Bank\u0131 sahibkar, k\u0259ndli d\u00fc\u015f\u00fcnd\u00fcrm\u00fcr, ancaq sistem bunu d\u00fc\u015f\u00fcnm\u0259lidir. D\u00fcnyada h\u0259tta aqrar sah\u0259 \u00fc\u00e7\u00fcn banklara v\u0259saitl\u0259r yerl\u0259\u015fdirilir, h\u0259tta M\u0259rk\u0259zi Bank\u0131n banklara kredit verm\u0259k, v\u0259sait yerl\u0259\u015fdirm\u0259k imkan\u0131 var. Az\u0259rbaycanda is\u0259 \u0259ksin\u0259dir, bu kimi sah\u0259l\u0259r inki\u015faf etm\u0259yib, aqrar sah\u0259 prioritetsiz sah\u0259 kimi k\u0259narda qal\u0131b. Burada n\u0259zar\u0259t d\u0259 art\u0131r\u0131lmal\u0131d\u0131r, \u00fcst\u0259lik, birg\u0259 pay torpaqlar\u0131n\u0131n n\u00f6qsanl\u0131 b\u00f6l\u00fc\u015fd\u00fcr\u00fclm\u0259si, texnika, toxum kapital\u0131n\u0131n, g\u00fcbr\u0259 v\u0259 pestisidl\u0259rin, suyun \u0259l\u00e7atanl\u0131\u011f\u0131n\u0131n t\u0259minat\u0131 kimi dig\u0259r aqrar sah\u0259d\u0259 vacib rol oynayan probleml\u0259r h\u0259llini tapmal\u0131d\u0131r. B\u00fct\u00fcn bunlar aqrar sah\u0259nin inki\u015faf\u0131na v\u0259 k\u0259ndlil\u0259r\u0259 qar\u015f\u0131l\u0131ql\u0131 t\u0259sir edir”<\/em>.<\/p>\n\n\n\n

“…600-700 min t\u0259s\u0259rr\u00fcfata uy\u011fun g\u00fcz\u0259\u015ftli kreditl\u0259r tap\u0131lmal\u0131d\u0131r”<\/strong><\/p>\n\n\n\n

Ekspert hesab edir ki, v\u0259ziyy\u0259td\u0259n \u00e7\u0131x\u0131\u015f kimi \u0259sasl\u0131 maliyy\u0259l\u0259\u015fdirm\u0259 v\u0259 mikromaliyy\u0259 institutular\u0131n\u0131n t\u0259\u015f\u0259kk\u00fcl tapmas\u0131na \u015f\u0259rait yarad\u0131lmal\u0131d\u0131r. Onun fikrinc\u0259, bel\u0259 olan halda q\u0131z\u0131l, \u0259mlak girovu v\u0259 y\u00fcks\u0259k maa\u015fl\u0131 zaminl\u0259r t\u0259l\u0259b olunmayacaq:<\/p>\n\n\n\n

“K\u0259ndlil\u0259r\u0259 yaln\u0131z mikrokreditl\u0259r\u0259 \u00e7\u0131x\u0131\u015f imkanlar\u0131 olmal\u0131d\u0131r. Bir ail\u0259 fermer t\u0259s\u0259rr\u00fcfat\u0131 dig\u0259rin\u0259 zamin durmaqla\u00a0 on min\u0259 yax\u0131n kreditl\u0259rin verilm\u0259si imkanlar\u0131 geni\u015fl\u0259ndirilm\u0259lidir. M\u0259rk\u0259zi Bank\u0131n da f\u0259aliyy\u0259tind\u0259 bu institutlar\u0131n \u00e7oxalmas\u0131 prioritet olmal\u0131d\u0131r. Ucqar k\u0259ndl\u0259rd\u0259 ya\u015fayanlar\u0131n bel\u0259 o kredit\u0259 \u0259l\u00e7atanl\u0131\u011f\u0131 olsun. K\u0259ndlil\u0259r \u00fc\u00e7\u00fcn \u00f6lk\u0259d\u0259 sosial sahibkarl\u0131q \u0259sasl\u0131 maliyy\u0259l\u0259\u015fdirm\u0259 v\u0259 mikromaliyy\u0259 institutlar\u0131 yarad\u0131lmal\u0131d\u0131r. Mikromaliyy\u0259 institutu d\u00f6vl\u0259t\u0259 \u00e7al\u0131\u015fan, yaxud y\u00fcks\u0259k \u0259m\u0259khaqq\u0131 alan zamin t\u0259l\u0259bi qoymamal\u0131d\u0131r, daha \u00e7ox etibarl\u0131l\u0131q \u0259sasl\u0131 yana\u015fmaya h\u0259d\u0259fl\u0259nm\u0259lidir. D\u00fcnyada art\u0131q bu u\u011furla t\u0259tbiq olunur. \u00d6lk\u0259mizin d\u0259 haz\u0131rda icma \u0259sasl\u0131 biznesd\u0259 icma \u00fczvl\u0259rinin bir-birin\u0259 etibar etm\u0259si\u00a0 \u0259sas\u0131nda qurulmu\u015f mikromaliyy\u0259l\u0259\u015fm\u0259y\u0259 ehtiyac\u0131 var”<\/em>.<\/p>\n\n\n\n

“\u0130ndiki \u015f\u0259raitd\u0259 m\u00f6vcud kommersiya banklar\u0131 v\u0259 d\u00f6vl\u0259tin g\u00fcz\u0259\u015ftli kredit t\u0259\u015fkilatlar\u0131 k\u0259ndlil\u0259ri t\u0259min ed\u0259 d\u0259 bilm\u0259z. \u00c7\u00fcnki v\u0259sait azd\u0131r, say\u0131 bir milyon 700 min n\u0259f\u0259rin m\u0259\u015f\u011fullu\u011funu t\u0259min ed\u0259n 600-700 min t\u0259s\u0259rr\u00fcfata uy\u011fun g\u00fcz\u0259\u015ftli kreditl\u0259r tap\u0131lmal\u0131d\u0131r. Bu q\u0259d\u0259r \u00e7oxlu sayda t\u0259s\u0259rr\u00fcfata, subyekt\u0259 m\u00fcnasib\u0259td\u0259 riskl\u0259ri minimiz\u0259 etm\u0259d\u0259n m\u00fchiti d\u0259yi\u015f\u0259 bilm\u0259rik. Aqrar sah\u0259d\u0259 g\u0259lir imkanlar\u0131 o q\u0259d\u0259r m\u0259hduddur ki, bu sektoru burax\u0131blar. \u018fg\u0259r d\u00f6vl\u0259tin m\u0259qs\u0259di aqrar sah\u0259ni,\u00a0 t\u0259s\u0259rr\u00fcfatlar\u0131 dir\u00e7\u0259ltm\u0259kdirs\u0259 qeyd etdiyim \u00fcsul \u0259lveri\u015flidir”<\/em>, – dey\u0259 ekspert \u00e7\u0131x\u0131\u015f yolunu g\u00f6st\u0259rir.<\/p>\n","protected":false},"excerpt":{"rendered":"

\u0130qtisad\u00e7\u0131 ekspert: “K\u0259ndli g\u00fcz\u0259\u015ftli kredit imkanlar\u0131na \u00e7\u0131xa bilmirs\u0259, bu, bank\u0131n … <\/p>\n

Davam\u0131<\/a><\/p>\n","protected":false},"author":21,"featured_media":300222,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","footnotes":""},"categories":[60,62,79,56],"tags":[],"class_list":["post-300209","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bolge","category-sosial","category-featured","category-xeberler","infinite-scroll-item","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-33","no-featured-image-padding"],"acf":[],"yoast_head":"\n\u018fl\u00e7atmaz g\u00fcz\u0259\u015ftli kreditl\u0259r, y\u00fcks\u0259k faizl\u0259r v\u0259 borc i\u00e7ind\u0259 \u00fcz\u0259n k\u0259ndlil\u0259r... - 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\/elcatmaz-guzestli-kreditler-yuksek-faizler-ve-borc-icinde-uzen-kendliler\/\" \/>\n<meta property=\"og:locale\" content=\"az_AZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u018fl\u00e7atmaz g\u00fcz\u0259\u015ftli kreditl\u0259r, y\u00fcks\u0259k faizl\u0259r v\u0259 borc i\u00e7ind\u0259 \u00fcz\u0259n k\u0259ndlil\u0259r... - MEYDAN.TV\" \/>\n<meta property=\"og:description\" content=\"\u0130qtisad\u00e7\u0131 ekspert: “K\u0259ndli g\u00fcz\u0259\u015ftli kredit imkanlar\u0131na \u00e7\u0131xa bilmirs\u0259, bu, bank\u0131n ... 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