{"id":159188,"date":"2022-09-29T18:08:48","date_gmt":"2022-09-29T14:08:48","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=159188","title":{"rendered":"Banklar niy\u0259 biznes krediti verm\u0259yi azald\u0131b? &#8211;<font color=red><b> A\u00c7IQLAMA<\/b><\/font>"},"content":{"rendered":"<p><strong>Son bir ayda banklar\u0131n istehlak v\u0259 ipoteka kredit portfeli artark\u0259n&nbsp;biznes kredit portfeli avqustla m&uuml;qayis\u0259d\u0259 m&uuml;\u0259yy\u0259n d\u0259r\u0259c\u0259d\u0259 azal\u0131b. Bel\u0259 ki, bank kredit portfelinin strukturu bar\u0259d\u0259 m\u0259lumata \u0259sas\u0259n, iyul ay\u0131n\u0131n sonunda biznes kredit portfeli 10 milyard 497 milyon manat t\u0259\u015fkil etdiyi halda, avqustun 31-d\u0259 bu m\u0259bl\u0259\u011f 10 milyard 492 milyon manata d&uuml;\u015f&uuml;b.<\/strong><\/p>\n<p>Maraql\u0131d\u0131r, be\u015f milyon manatl\u0131q azalma n\u0259 il\u0259 ba\u011fl\u0131d\u0131r? &Uuml;mumiyy\u0259tl\u0259, biznesin inki\u015faf\u0131na yarad\u0131lan imkan qaneedicidirmi?<\/p>\n<p>M\u0259s\u0259l\u0259ni&nbsp;Oxu.Az-a \u015f\u0259rh ed\u0259n maliyy\u0259 v\u0259 bank m\u0259s\u0259l\u0259l\u0259ri &uuml;zr\u0259 ekspert&nbsp;\u018fkr\u0259m H\u0259s\u0259nov&nbsp;azalma&nbsp;q\u0131sa m&uuml;dd\u0259td\u0259 ba\u015f verdiyi &uuml;&ccedil;&uuml;n problemin n\u0259d\u0259n qaynaqland\u0131\u011f\u0131n\u0131 dem\u0259yin &ccedil;\u0259tin oldu\u011funu bildirib:<\/p>\n<p>&ldquo;Sad\u0259c\u0259 bir-iki ay \u0259rzind\u0259 biznes kreditl\u0259ri azal\u0131b, ona g&ouml;r\u0259 d\u0259 bu, m&ouml;vs&uuml;mi faktor ola bil\u0259r, y\u0259ni yay aylar\u0131d\u0131r, ad\u0259t\u0259n, h\u0259min d&ouml;vrd\u0259 biznes aktivliyi y&uuml;ks\u0259k olmad\u0131\u011f\u0131 &uuml;&ccedil;&uuml;n biznes kreditl\u0259ri d\u0259 olmur&rdquo;.&nbsp;<\/p>\n<p>Ekspert qeyd edib ki, b&uuml;t&ouml;vl&uuml;kd\u0259 biznes kreditl\u0259rinin verilm\u0259sind\u0259 problem var:<\/p>\n<p>&ldquo;Banklar bu sektora daha az maraq g&ouml;st\u0259rir, &ccedil;&uuml;nki u\u011furlu &ouml;z\u0259l sakibkar azd\u0131r. U\u011furlular da, \u0259sas\u0259n, d&ouml;vl\u0259t layih\u0259l\u0259rind\u0259 i\u015ftirak ed\u0259nl\u0259rdir. D&ouml;vl\u0259t layih\u0259l\u0259rind\u0259 is\u0259 i\u015fl\u0259ri b&ouml;y&uuml;k \u015firk\u0259tl\u0259r &uuml;z\u0259rl\u0259rin\u0259 g&ouml;t&uuml;r&uuml;rl\u0259r. Y\u0259ni onlar\u0131n kredit\u0259 bir &ccedil;ox hallarda ehtiyac\u0131 olmur.&nbsp;<\/p>\n<p>&Uuml;mumilikd\u0259, biznes kreditl\u0259ri banklar &uuml;&ccedil;&uuml;n b&ouml;y&uuml;k riskl\u0259r t&ouml;r\u0259dir. &Ccedil;&uuml;nki biznes krediti ver\u0259nd\u0259 \u015f\u0259xs ya sabah onu qaytarmaq ist\u0259mir, ya da qaytara bilmir. &Ouml;z&uuml; d\u0259 biznesmen adi v\u0259t\u0259nda\u015fdan f\u0259rqli olaraq, h\u0259m banka, h\u0259m m\u0259hk\u0259m\u0259y\u0259 &ccedil;ox savadl\u0131 v\u0259 uzunm&uuml;dd\u0259tli m&uuml;qavim\u0259t g&ouml;st\u0259r\u0259 bilir. Bu da h\u0259min istiqam\u0259td\u0259 qanunlar\u0131n z\u0259if v\u0259 m\u0259hk\u0259m\u0259-h&uuml;quq sistemind\u0259 bo\u015fluqlar\u0131n olmas\u0131yla ba\u011fl\u0131d\u0131r. Ona g&ouml;r\u0259 d\u0259 banklar sahibkarlara kredit verm\u0259y\u0259 meyilli deyil&rdquo;.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Son bir ayda banklar\u0131n istehlak v\u0259 ipoteka kredit portfeli artark\u0259n&nbsp;biznes kredit portfeli avqustla m&uuml;qayis\u0259d\u0259 m&uuml;\u0259yy\u0259n d\u0259r\u0259c\u0259d\u0259 azal\u0131b. Bel\u0259 ki, bank kredit portfelinin strukturu bar\u0259d\u0259 m\u0259lumata \u0259sas\u0259n, iyul ay\u0131n\u0131n sonunda biznes&hellip;<\/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":[101],"tags":[],"class_list":["post-159188","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cemiyyet"],"_links":{"self":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/159188","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=159188"}],"version-history":[{"count":0,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/159188\/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=159188"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=159188"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=159188"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}