{"id":151407,"date":"2022-06-21T12:13:30","date_gmt":"2022-06-21T08:13:30","guid":{"rendered":""},"modified":"-0001-11-30T00:00:00","modified_gmt":"-0001-11-29T20:00:00","slug":"","status":"publish","type":"post","link":"https:\/\/ucnoqta.az\/?p=151407","title":{"rendered":"Y\u00fcks\u0259k inflyasiya bank sektorunu vurur – \u0130qtisad\u00e7\u0131<\/b><\/font>"},"content":{"rendered":"

Milli valyutan\u0131n m\u0259z\u0259nn\u0259sinin dollara münasib\u0259td\u0259 sabitliyi inflyasiya idxal\u0131n\u0131 h\u0259l\u0259ki minimuma endirir<\/strong><\/p>\n

Dünyan\u0131n m\u0259rk\u0259zi banklar\u0131 inflyasiya il\u0259 uçot d\u0259r\u0259c\u0259l\u0259rinin art\u0131r\u0131lmas\u0131 vasit\u0259sil\u0259 mübariz\u0259 apard\u0131\u011f\u0131 bir zamanda bizim M\u0259rk\u0259zi Bank ç\u0131x\u0131\u015f yolunu banklar\u0131n izafi likvidliyini aradan qald\u0131rmaqda görüb. M\u0259rk\u0259zi Bank\u0131n 06 iyun 2022-ci il tarixli q\u0259rar\u0131 il\u0259 “M\u0259cburi ehtiyatlar\u0131n normas\u0131, hesablanmas\u0131 v\u0259 saxlanmas\u0131 Qaydas\u0131”na d\u0259yi\u015fiklik edilib. D\u0259yi\u015fiklik n\u0259tic\u0259sind\u0259 m\u0259cburi ehtiyatlar\u0131n normalar\u0131 (MEN) d\u0259f\u0259l\u0259rd\u0259 art\u0131r\u0131l\u0131b.<\/p>\n

D\u0259yi\u015fikliy\u0259 gör\u0259, milli valyutada depozitl\u0259r üzr\u0259 m\u0259cburi ehtiyatlar\u0131n normalar\u0131 0,5%-d\u0259n 4%-\u0259, xarici valyutada depozitl\u0259r üzr\u0259 is\u0259 1%-d\u0259n 5%-\u0259 qald\u0131r\u0131l\u0131b. MB aç\u0131qlamas\u0131nda bunu inflyasiya t\u0259zyiql\u0259rinin artd\u0131\u011f\u0131 \u015f\u0259raitd\u0259 izafi likvidliyin \u0259lav\u0259 sterlizasiyas\u0131 m\u0259qs\u0259di da\u015f\u0131d\u0131\u011f\u0131n\u0131 qeyd edib.  <\/p>\n

Bunu Ucnoqta.az-a iqtisadç\u0131 Samir \u018fliyev deyib:
\n“M\u0259lumat üçün bildirim ki, 2022-ci ilin may\u0131n 1-i tarixin\u0259 bank sektorunda m\u0259cburi ehtiyatlar\u0131n h\u0259cmi 193.6 milyon manat olub. Y\u0259ni, bu m\u0259bl\u0259\u011f sad\u0259c\u0259 MB-nin hesablar\u0131nda saxlan\u0131l\u0131r. \u0130ndi is\u0259 m\u0259cburi ehtiyatlar\u0131n normalar\u0131n\u0131n \u0259h\u0259miyy\u0259tli art\u0131m\u0131 n\u0259tic\u0259sind\u0259 bu v\u0259saitin h\u0259cmi deposit qoyulu\u015funun art\u0131m tempind\u0259n as\u0131l\u0131 olaraq \u0259h\u0259miyy\u0259tli d\u0259r\u0259c\u0259d\u0259 artacaq.<\/p>\n

Bu o dem\u0259kdir ki, banklar \u0259vv\u0259lki dövrd\u0259n f\u0259rqli olaraq c\u0259lb etdikl\u0259ri v\u0259saitl\u0259rin daha çox hiss\u0259sini kredit qoyulu\u015funa yön\u0259ltm\u0259k \u0259v\u0259zind\u0259 MB-nin hesab\u0131nda passiv \u015f\u0259kild\u0259 saxlamal\u0131 olacaqlar. Bu is\u0259 kredit resurslar\u0131n\u0131n maya d\u0259y\u0259rini art\u0131racaq. MB-nin qiym\u0259tl\u0259ndirm\u0259l\u0259rin\u0259 gör\u0259, bu art\u0131m bank sektoru üzr\u0259 öhd\u0259likl\u0259rin maya d\u0259y\u0259rin\u0259 c\u0259misi 0.044% art\u0131r\u0131c\u0131 t\u0259sir göst\u0259rir. N\u0259z\u0259r\u0259 alsaq ki, banklar\u0131n öhd\u0259likl\u0259rinin 80.4%-ni depozit portfeli t\u0259\u015fkil edir, bu halda art\u0131r\u0131c\u0131 t\u0259sirin daha yüks\u0259k oldu\u011fu q\u0259na\u0259tin\u0259 g\u0259lm\u0259k olar.<\/p>\n

Xat\u0131rlad\u0131m ki, son d\u0259f\u0259 MEN-\u0259 d\u0259yi\u015fiklik 2016-c\u0131 ild\u0259 edilib. H\u0259min dövrd\u0259 xarici valyuta olan depozitl\u0259r üzr\u0259 faiz d\u0259r\u0259c\u0259si 0,5%-d\u0259n 1%-\u0259 qald\u0131r\u0131lm\u0131\u015f, qeyri-rezident bank v\u0259 maliyy\u0259 t\u0259\u015fkilatlar\u0131ndan, o cüml\u0259d\u0259n beyn\u0259lxalq maliyy\u0259 t\u0259\u015fkilatlar\u0131ndan c\u0259lb edilmi\u015f v\u0259saitl\u0259r üzr\u0259 faiz d\u0259r\u0259c\u0259si is\u0259 0,5%-d\u0259n 0-a endirilmi\u015fdi.<\/p>\n

MB-nin bu add\u0131m\u0131n\u0131n bank sektoruna t\u0259siri is\u0259 a\u015fa\u011f\u0131dak\u0131lar ola bil\u0259r:<\/p>\n

– MEN faizini kompensasiya etm\u0259k üçün banklar, xüsusil\u0259 resurs q\u0131tl\u0131\u011f\u0131 olmayan iri banklar depozit faizl\u0259rini a\u015fa\u011f\u0131 salma\u011fa ba\u015flayacaq;<\/p>\n

– Xarici valyuta üzr\u0259 depozitl\u0259rin faiz d\u0259r\u0259c\u0259l\u0259ri s\u0131f\u0131r h\u0259ddin\u0259 yax\u0131nla\u015facaq<\/p>\n

– Kreditl\u0259rin faiz d\u0259r\u0259c\u0259l\u0259rinin son dövrl\u0259r mü\u015fahid\u0259 edil\u0259n z\u0259if a\u015fa\u011f\u0131 dü\u015fm\u0259si tendensiya art\u0131mla \u0259v\u0259z oluna bil\u0259r;<\/p>\n

– Banklar\u0131n izafi likvidliyi azalacaq, ancaq bu azalma \u0259h\u0259miyy\u0259tli olmayacaq;<\/p>\n

– Kiçik v\u0259 depozitd\u0259n yüks\u0259k as\u0131l\u0131l\u0131\u011f\u0131 olan banklar depozitl\u0259r üzr\u0259 faiz d\u0259r\u0259c\u0259l\u0259rini saxlama\u011fa çal\u0131\u015facaq, bu is\u0259 onlar\u0131n faiz g\u0259lirl\u0259rini azaldacaq.<\/p>\n

Görünür uçot d\u0259r\u0259c\u0259l\u0259ri pul-kredit siyas\u0259tin\u0259 t\u0259siri s\u0131f\u0131r oldu\u011fundan MB inflyasiya il\u0259 mübariz\u0259 vasit\u0259si olaraq bu add\u0131m\u0131 atma\u011fa m\u0259cbur olub. \u018fn az\u0131 bizim t\u0259crüb\u0259d\u0259 uçot d\u0259r\u0259c\u0259l\u0259rinin i\u015fl\u0259k mexanizm olmad\u0131\u011f\u0131 d\u0259f\u0259l\u0259rl\u0259 sübut olunub. Ancaq unutmayaq ki, Az\u0259rbaycanda inflyasiya monetar amill\u0259rd\u0259n qaynaqlanm\u0131r, buna s\u0259b\u0259b dünya bazarlar\u0131nda da\u015f\u0131nma z\u0259ncirinin pozulmas\u0131 v\u0259 ölk\u0259nin idxaldan yüks\u0259k as\u0131l\u0131l\u0131\u011f\u0131d\u0131r. Milli valyutan\u0131n m\u0259z\u0259nn\u0259sinin dollara münasib\u0259td\u0259 sabitliyi inflyasiya idxal\u0131n\u0131 h\u0259l\u0259ki minimuma endirir.<\/p>\n

Xat\u0131rladm ki, MEN banklar\u0131n c\u0259lb etdikl\u0259ri depozitl\u0259rin m\u0259cburi qaydada MB-d\u0259 saxlad\u0131qlar\u0131 hiss\u0259si n\u0259z\u0259rd\u0259 tutulur v\u0259 pul-kredit siyas\u0259tinin \u0259sas al\u0259tl\u0259rind\u0259n biri hesab olunur. Ehtiyat normalar\u0131 kredit t\u0259\u015fkilatlar\u0131n\u0131n kredit imkanlar\u0131n\u0131n m\u0259hdudla\u015fd\u0131r\u0131lmas\u0131 v\u0259 dövriyy\u0259d\u0259 olan pul kütl\u0259sinin lüzumsuz art\u0131m\u0131n\u0131n qar\u015f\u0131s\u0131n\u0131n al\u0131nmas\u0131 üçün istifad\u0259 edilir”, – o deyib..<\/p>\n","protected":false},"excerpt":{"rendered":"

Milli valyutan\u0131n m\u0259z\u0259nn\u0259sinin dollara münasib\u0259td\u0259 sabitliyi inflyasiya idxal\u0131n\u0131 h\u0259l\u0259ki minimuma endirir Dünyan\u0131n m\u0259rk\u0259zi banklar\u0131 inflyasiya il\u0259 uçot d\u0259r\u0259c\u0259l\u0259rinin art\u0131r\u0131lmas\u0131 vasit\u0259sil\u0259 mübariz\u0259 apard\u0131\u011f\u0131 bir zamanda bizim M\u0259rk\u0259zi Bank ç\u0131x\u0131\u015f yolunu banklar\u0131n…<\/p>\n","protected":false},"author":1,"featured_media":251278,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[88],"tags":[],"class_list":["post-151407","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomika"],"_links":{"self":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/151407","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=151407"}],"version-history":[{"count":0,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/151407\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/media\/251278"}],"wp:attachment":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=151407"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=151407"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=151407"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}