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<\/figure>\n\n\n\n\u00d6lk\u0259 \u00fczr\u0259 c\u0259mi kredit qoyulu\u015funun 75,8 faizi, y\u0259ni 23,2 milyard manat\u0131 paytaxt Bak\u0131n\u0131n pay\u0131na d\u00fc\u015f\u00fcr. \u00d6lk\u0259 \u00fczr\u0259 vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rin 399,1 milyon manat\u0131, y\u0259ni 77 faizi Bak\u0131n\u0131n pay\u0131na d\u00fc\u015f\u00fcr. Bu, iqtisadi aktivliyin v\u0259 maliyy\u0259 resurslar\u0131n\u0131n k\u0259skin \u015f\u0259kild\u0259 m\u0259rk\u0259zl\u0259\u015fdiyini g\u00f6st\u0259rir. Paytaxtdak\u0131 banklar\u0131n verdiyi kreditl\u0259rd\u0259 qaytar\u0131lmayan borclar\u0131n nisb\u0259ti 1,7 faiz t\u0259\u015fkil edir, bu da \u00f6lk\u0259 \u00fczr\u0259 orta g\u00f6st\u0259ricid\u0259n a\u015fa\u011f\u0131d\u0131r.<\/p>\n\n\n\n
Problemli kreditl\u0259r\u0259 g\u00f6r\u0259 n\u00f6vb\u0259ti yerd\u0259 Sumqay\u0131t \u015f\u0259h\u0259ri g\u0259lir. Burada vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rin h\u0259cmi 17,2 milyon manatd\u0131r ki, bu da \u00fcmumi portfeld\u0259 2,09 faiz pay t\u0259\u015fkil edir.<\/p>\n\n\n\n
G\u0259nc\u0259 \u015f\u0259h\u0259rind\u0259 bu g\u00f6st\u0259rici 10,5 milyon manat olmaqla, \u015f\u0259h\u0259r \u00fczr\u0259 kredit portfelind\u0259 1,4 faiz s\u0259viyy\u0259sind\u0259dir.<\/p>\n\n\n\n
\u00dcmumiyy\u0259tl\u0259, paytaxt istisna olmaqla dig\u0259r regionlar \u00fczr\u0259 apar\u0131lan t\u0259hlil g\u00f6st\u0259rir ki, \u00f6lk\u0259nin maliyy\u0259 t\u0259\u015fkilatlar\u0131 t\u0259r\u0259find\u0259n t\u0259qdim olunan maliyy\u0259 resurslar\u0131n\u0131n c\u0259mi 23 faizi dig\u0259r rayon v\u0259 \u015f\u0259h\u0259rl\u0259r \u00fc\u00e7\u00fcn \u0259l\u00e7atand\u0131r. Bu s\u0259b\u0259bd\u0259n d\u0259 \u00f6lk\u0259 \u00fczr\u0259 vaxt\u0131 ke\u00e7mi\u015f borclar\u0131n \u00fcmumi kredit portfelind\u0259 orta g\u00f6st\u0259ricisi 1,9 faiz olsa da, regionlarda bu g\u00f6st\u0259rici 2 faizd\u0259n y\u00fcks\u0259kdir. Bu is\u0259 rayon v\u0259 \u015f\u0259h\u0259rl\u0259rd\u0259 iqtisadi aktivliyin a\u015fa\u011f\u0131 olmas\u0131n\u0131n riskli kreditl\u0259rin artmas\u0131na t\u0259sir etdiyini g\u00f6st\u0259rir. Bunun \u0259sas s\u0259b\u0259bl\u0259rind\u0259n biri kreditl\u0259r \u00fczr\u0259 faiz d\u0259r\u0259c\u0259l\u0259rinin regionlarda paytaxta nisb\u0259t\u0259n daha y\u00fcks\u0259k olmas\u0131d\u0131r. M\u0259s\u0259l\u0259n, \u00f6lk\u0259 \u00fczr\u0259 kreditl\u0259rin orta faiz d\u0259r\u0259c\u0259si 14,2 faiz oldu\u011fu halda, b\u0259zi rayonlarda bu g\u00f6st\u0259rici 20-21 faiz\u0259 q\u0259d\u0259r y\u00fcks\u0259lir. H\u0259tta istehlak kreditl\u0259ri \u00fczr\u0259 faiz d\u0259r\u0259c\u0259l\u0259ri 24-27 faiz\u0259 q\u0259d\u0259r d\u0259yi\u015fir. N\u0259tic\u0259d\u0259 bahal\u0131 kredit siyas\u0259ti qaytar\u0131lmayan borc riskl\u0259rini art\u0131r\u0131r.<\/p>\n\n\n\n
M\u00fcqayis\u0259 \u00fc\u00e7\u00fcn qrafikd\u0259n g\u00f6r\u00fcnd\u00fcy\u00fc kimi, h\u0259cm bax\u0131m\u0131ndan Neft\u00e7ala rayonu 5-ci yerd\u0259 dayansa da, faiz nisb\u0259tin\u0259 g\u00f6r\u0259 \u0259n riskli b\u00f6lg\u0259dir. Bel\u0259 ki, rayona veril\u0259n h\u0259r 100 manat kreditin 25 manat\u0131 geri qaytar\u0131lm\u0131r. Aprel ay\u0131na g\u00f6r\u0259 bu rayon \u00fczr\u0259 \u00fcmumi kredit portfeli 24,6 milyon manat, bunun 6,2 milyon manat\u0131 v\u0259 25,2 faizi art\u0131q problemli aktiv kimi g\u00f6st\u0259rilir.<\/p>\n\n\n\n
Bundan \u0259lav\u0259, \u015e\u0259mkir v\u0259 Zaqatala rayonlar\u0131 nisb\u0259t\u0259n az \u00fcmumi portfel\u0259 malik olmalar\u0131na baxmayaraq, vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rin m\u00fctl\u0259q h\u0259cmind\u0259 bir \u00e7ox b\u00f6y\u00fck \u015f\u0259h\u0259rl\u0259ri gerid\u0259 qoyub.<\/p>\n\n\n\n
Zaqatalada problemli kreditl\u0259rin \u00fcmumi kredit portfelind\u0259ki nisb\u0259ti 3,42 faiz, \u015e\u0259mkird\u0259 2,6 faiz, Yevlaxda is\u0259 2,6 faizdir. Bu rayonlar vaxt\u0131 ke\u00e7mi\u015f borclara g\u00f6r\u0259 orta g\u00f6st\u0259ricid\u0259n y\u00fcks\u0259k s\u0259viyy\u0259d\u0259 olan \u0259razil\u0259rdir.<\/p>\n\n\n\n
Bu h\u0259min b\u00f6lg\u0259l\u0259rdir ki, kreditl\u0259r \u00fczr\u0259 orta faiz d\u0259r\u0259c\u0259l\u0259ri 20 faizd\u0259n yuxar\u0131d\u0131r.<\/p>\n","protected":false},"excerpt":{"rendered":"
Kredit t\u0259\u015fkilatlar\u0131n\u0131n portfelind\u0259 geri qaytar\u0131lmayan borclar\u0131n h\u0259cmi k\u0259skin \u015f\u0259kild\u0259 b\u00f6y\u00fcy\u00fcb.Az\u0259rbaycan … <\/p>\n