{"id":173726,"date":"2023-04-03T17:00:11","date_gmt":"2023-04-03T13:00:11","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=173726","title":{"rendered":"D\u00f6vl\u0259t Xidm\u0259tind\u0259n banklara"},"content":{"rendered":"

Apar\u0131lan monitorinql\u0259r zaman\u0131 bank xidm\u0259tl\u0259rinin reklamlar\u0131n\u0131n yay\u0131mlanmas\u0131 zaman\u0131 reklam qanunvericiliyinin t\u0259l\u0259bl\u0259rin\u0259 \u0259m\u0259l edilm\u0259m\u0259si hallar\u0131 a\u015fkar edilib.<\/strong><\/p>\n

Ucnoqta.az \u0130qtisadiyyat Nazirliyi yan\u0131nda Antiinhisar v\u0259 \u0130stehlak Bazar\u0131na N\u0259zar\u0259t Dövl\u0259t Xidm\u0259tinin (A\u0130BNDX) yayd\u0131\u011f\u0131 m\u0259lumata istinad\u0259n x\u0259b\u0259r verir ki, A\u0130BNDX t\u0259r\u0259find\u0259n öt\u0259n ilin \u0259vv\u0259lind\u0259n etibar\u0259n ölk\u0259d\u0259 f\u0259aliyy\u0259t göst\u0259r\u0259n banklara reklam qanunvericiliyinin t\u0259l\u0259bl\u0259rin\u0259 dair maarifl\u0259ndirici m\u0259ktublar ünvanlan\u0131b.<\/p>\n

“Lakin son dövrl\u0259rd\u0259 apar\u0131lan monitorinql\u0259r zaman\u0131 bank xidm\u0259tl\u0259rinin reklamlar\u0131n\u0131n yay\u0131mlanmas\u0131 zaman\u0131 reklam qanunvericiliyinin t\u0259l\u0259bl\u0259rin\u0259 \u0259m\u0259l edilm\u0259m\u0259si hallar\u0131 a\u015fkar edilib. Qanun pozuntular\u0131 üzr\u0259 Dövl\u0259t Xidm\u0259ti t\u0259r\u0259find\u0259n ara\u015fd\u0131rmalara ba\u015flan\u0131l\u0131b.<\/p>\n

Qeyd ed\u0259k ki, “Reklam haqq\u0131nda” Az\u0259rbaycan Respublikas\u0131 Qanununda maliyy\u0259, bank, s\u0131\u011forta, investisiya xidm\u0259tl\u0259ri, el\u0259c\u0259 d\u0259 qiym\u0259tli ka\u011f\u0131zlar\u0131n reklam\u0131 üçün xüsusi qaydalar t\u0259sbit edilib. Bel\u0259 ki, lisenziyala\u015fd\u0131r\u0131lan f\u0259aliyy\u0259t növl\u0259ri üzr\u0259 lisenziyan\u0131n nömr\u0259si, verilm\u0259 tarixi v\u0259 onu ver\u0259n orqan\u0131n ad\u0131, el\u0259c\u0259 d\u0259 maliyy\u0259, bank, s\u0131\u011forta, investisiya xidm\u0259tl\u0259rinin, qiym\u0259tli ka\u011f\u0131zlar\u0131n reklam\u0131nda bu xidm\u0259tl\u0259ri t\u0259klif ed\u0259n \u015f\u0259xsin hüquqi ad\u0131, hüquqi ünvan\u0131, fiziki \u015f\u0259xsl\u0259rin ad\u0131, soyad\u0131, atas\u0131n\u0131n ad\u0131, ünvan\u0131, \u0259laq\u0259 vasit\u0259l\u0259ri, qiym\u0259tli ka\u011f\u0131z\u0131n emitenti qeyd olunmal\u0131d\u0131r.<\/p>\n

Bundan \u0259lav\u0259, istehlak kreditin\u0259 dair reklamda kreditin h\u0259r hans\u0131 x\u0259rci il\u0259 ba\u011fl\u0131 m\u0259lumat verildikd\u0259, istehlakç\u0131 a\u015fa\u011f\u0131dak\u0131lar bar\u0259d\u0259 d\u0259 m\u0259lumatland\u0131r\u0131lmal\u0131d\u0131r:<\/p>\n

– Kreditin ümumi x\u0259rcin\u0259 daxil olan ist\u0259nil\u0259n x\u0259rcl\u0259r, o cüml\u0259d\u0259n illik faiz d\u0259r\u0259c\u0259si, faktiki illik faiz d\u0259r\u0259c\u0259sinin hesablanmas\u0131na qanunvericiliy\u0259 müvafiq qaydada daxil olan dig\u0259r x\u0259rcl\u0259r;<\/p>\n

– Kreditin müdd\u0259ti;<\/p>\n

– Kredit mü\u0259yy\u0259n mal\u0131n al\u0131nmas\u0131 v\u0259 ya xidm\u0259tl\u0259rin göst\u0259rilm\u0259si il\u0259 \u0259laq\u0259dar verildikd\u0259, h\u0259min mal v\u0259 ya xidm\u0259t, onun na\u011fd qiym\u0259ti v\u0259 ilkin öd\u0259nil\u0259n m\u0259bl\u0259\u011f;<\/p>\n

– Kredit müqavil\u0259sinin ba\u011flanmas\u0131 üçün \u0259lav\u0259 xidm\u0259t müqavil\u0259l\u0259rinin ba\u011flanmas\u0131 m\u0259cburi olduqda v\u0259 h\u0259min xidm\u0259tin qiym\u0259ti \u0259vv\u0259lc\u0259d\u0259n mü\u0259yy\u0259n edil\u0259 bilinm\u0259dikd\u0259, h\u0259min müqavil\u0259ni ba\u011flamaq öhd\u0259liyi.<\/p>\n

\u0130qtisadiyyat Nazirliyi yan\u0131nda Antiinhisar v\u0259 \u0130stehlak Bazar\u0131na N\u0259zar\u0259t Dövl\u0259t Xidm\u0259ti t\u0259r\u0259find\u0259n bank xidm\u0259tl\u0259ri il\u0259 ba\u011fl\u0131 reklam qanunverciliyinin t\u0259l\u0259bl\u0259rinin pozulmas\u0131 bar\u0259d\u0259 ara\u015fd\u0131rma n\u0259tic\u0259l\u0259rin\u0259 uy\u011fun olaraq, qanun pozuntular\u0131na yol vermi\u015f banklar bar\u0259sind\u0259 qanunamüvafiq t\u0259dbirl\u0259r görül\u0259c\u0259kdir”, – dey\u0259 m\u0259lumatda qeyd olunur.<\/p>\n","protected":false},"excerpt":{"rendered":"

Apar\u0131lan monitorinql\u0259r zaman\u0131 bank xidm\u0259tl\u0259rinin reklamlar\u0131n\u0131n yay\u0131mlanmas\u0131 zaman\u0131 reklam qanunvericiliyinin t\u0259l\u0259bl\u0259rin\u0259 \u0259m\u0259l edilm\u0259m\u0259si hallar\u0131 a\u015fkar edilib. Ucnoqta.az \u0130qtisadiyyat Nazirliyi yan\u0131nda Antiinhisar v\u0259 \u0130stehlak Bazar\u0131na N\u0259zar\u0259t Dövl\u0259t Xidm\u0259tinin (A\u0130BNDX) yayd\u0131\u011f\u0131 m\u0259lumata…<\/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":[],"tags":[],"class_list":["post-173726","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/173726","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=173726"}],"version-history":[{"count":0,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/173726\/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=173726"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=173726"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=173726"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}