{"id":223971,"date":"2025-05-22T13:04:24","date_gmt":"2025-05-22T09:04:24","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=223971","title":{"rendered":"\u018fn \u00e7ox hans\u0131 banklar\u0131n kartlar\u0131ndan o\u011furluq edilir… –\u00a0"},"content":{"rendered":"

“Son 4 ayda v\u0259t\u0259nda\u015flar\u0131n bank kartlar\u0131ndan 6 milyon manat o\u011furlan\u0131b. N\u0259z\u0259r\u0259 alsaq ki, bir çoxlar\u0131 ümumiyy\u0259tl\u0259 kartlar\u0131ndan o\u011furluq haqq\u0131nda r\u0259smi m\u0259lumat vermir, bu o dem\u0259kdir ki, h\u0259r ay t\u0259xmin\u0259n 2 milyon manat kartlardan talan\u0131r”. <\/strong><\/p>\n

Ucnoqta.az x\u0259b\u0259r verir ki, bu sözl\u0259ri Az\u0259rbaycan \u0130nternet Forumunun prezidenti Osman Gündüz qeyd edib. Müt\u0259x\u0259ssis bildirib ki, bu aç\u0131qlamadan sonra M\u0259rk\u0259zi Bank d\u0259rhal reaksiya verm\u0259li, problem\u0259 ayd\u0131nl\u0131q g\u0259tirm\u0259li idi:<\/p>\n

“H\u0259l\u0259lik is\u0259 bunlar mü\u015fahid\u0259 olunmur.<\/p>\n

Kütl\u0259vi talamalar tam adil\u0259\u015fib. Art\u0131q h\u0259r gün gözl\u0259yirik ki, D\u0130N r\u0259smisi kartlardan n\u0259 q\u0259d\u0259r pul o\u011furland\u0131\u011f\u0131n\u0131 aç\u0131qlayacaq. Bu n\u0259 vaxta q\u0259d\u0259r bel\u0259 davam ed\u0259c\u0259k? M\u0259rk\u0259zi Bank, banklar, hökum\u0259t v\u0259 hüquq-mühafiz\u0259 qurumlar\u0131 bu t\u0259hlük\u0259y\u0259 qar\u015f\u0131 konkret n\u0259tic\u0259 ver\u0259c\u0259k t\u0259dbirl\u0259ri n\u0259 vaxt gör\u0259c\u0259k? Fikrimc\u0259, n\u0259 q\u0259d\u0259r faydal\u0131 v\u0259 vacib olsa da, maarifl\u0259nm\u0259 v\u0259 r\u0259q\u0259msal savadl\u0131l\u0131qla bu problemi tez bir zamanda h\u0259ll etm\u0259k ç\u0259tin olacaq.<\/p>\n

Bir daha, banklara, M\u0259rk\u0259zi Banka, ümumiyy\u0259tl\u0259, hökum\u0259t\u0259 v\u0259 c\u0259miyy\u0259t\u0259 \u015f\u0259r\u0259f g\u0259tirm\u0259y\u0259n bu v\u0259ziyy\u0259tin düz\u0259lm\u0259si istiqam\u0259tind\u0259 faydal\u0131 ola bil\u0259c\u0259k t\u0259klifl\u0259ri t\u0259krarlamaq ist\u0259rdim :
\n1. \u018fn çox o\u011furluq olan banklar haqq\u0131nda m\u0259lumatlar \u015fübh\u0259siz ki, M\u0259rk\u0259zi Bankda v\u0259 D\u0130N-d\u0259dir.<\/p>\n

Bu m\u0259lumatlar\u0131n aç\u0131qlanmas\u0131 banklara qar\u015f\u0131 ciddi ictimai q\u0131naq yarada bil\u0259r v\u0259 maliyy\u0259 sektorunun m\u0259suliyy\u0259tini daha da art\u0131ra bil\u0259rdi.<\/p>\n

Güman ki, banklar ciddi itkil\u0259r ver\u0259 bil\u0259c\u0259yind\u0259n M\u0259rk\u0259zi Bank bu tip m\u0259lumatlar\u0131 aç\u0131qlamayacaq. <\/p>\n

D\u0130N-in h\u0259r gün aç\u0131qlad\u0131\u011f\u0131 statistika çox \u0259h\u0259miyy\u0259tlidir. Dü\u015fünm\u0259k olar ki D\u0130N-\u0259 qar\u015f\u0131 da mü\u0259yy\u0259n t\u0259sirl\u0259r var ki, \u0259n çox talanma olan banklar\u0131n adlar\u0131 aç\u0131qlanmas\u0131n.
\nBel\u0259 olan halda is\u0259 bu problemin qanunvericilik bax\u0131m\u0131ndan h\u0259ll edilm\u0259si mövcud problemin h\u0259llin\u0259 çox köm\u0259k ed\u0259 bil\u0259rdi.<\/p>\n

2. M\u0259rk\u0259zi Bank Qaydalar\u0131na \u0259l g\u0259zdirm\u0259lidir, identifikasiya i\u015fl\u0259ri s\u0259rtl\u0259\u015fdirilm\u0259lidir, banklar o\u011furlanm\u0131\u015f v\u0259saitl\u0259r\u0259 gör\u0259 m\u0259suliyy\u0259t da\u015f\u0131mal\u0131d\u0131r.
\n“Siz t\u0259sdiql\u0259misiniz” dey\u0259r\u0259k m\u0259suliyy\u0259td\u0259n yay\u0131nmaq q\u0259bulolunmazd\u0131r.<\/p>\n

Mobil t\u0259tbiql\u0259rin kodlar\u0131 audit olunmal\u0131d\u0131r, \u0259vv\u0259ll\u0259r problemi olan banklardan m\u0259lumat s\u0131zmas\u0131 ara\u015fd\u0131r\u0131lmal\u0131d\u0131r.<\/p>\n

3. Banklarda v\u0259 mobil operatorlarda mü\u015ft\u0259ri m\u0259lumatlar\u0131na ç\u0131x\u0131\u015f\u0131 olan \u015f\u0259xsl\u0259r\u0259 n\u0259zar\u0259t gücl\u0259ndirilm\u0259li, daxili audit sisteml\u0259ri qurulmal\u0131d\u0131r. Xarici v\u0259t\u0259nda\u015flar\u0131n bu sah\u0259d\u0259 i\u015fl\u0259m\u0259si qanunla m\u0259hdudla\u015fd\u0131r\u0131lmal\u0131d\u0131r.
\nMaraql\u0131d\u0131r ki, mövcud hüquqi normalara gör\u0259, kritik qurumu audit ed\u0259n kiber provayderd\u0259 xarici v\u0259t\u0259nda\u015f i\u015fl\u0259y\u0259 bilm\u0259z, amma kritik qurumun h\u0259ssas strukturlar\u0131nda “xarici v\u0259t\u0259nda\u015f i\u015fl\u0259y\u0259 bilm\u0259z” dey\u0259n bir müdd\u0259a yoxdur.<\/p>\n

4. Mobil t\u0259tbiql\u0259rd\u0259 “kredit\u0259 STOP” v\u0259 kartdan o\u011furluqla ba\u011fl\u0131 an\u0131nda m\u0259lumat verilm\u0259si üçün “SOS” \u0259laq\u0259 imkan\u0131 yarad\u0131lmal\u0131d\u0131r.<\/p>\n

5. F\u0259rdi m\u0259lumatlar\u0131n qorunmas\u0131 haqq\u0131nda qanun s\u0259rtl\u0259\u015fdirilm\u0259li, bank kartlar\u0131ndan talama il\u0259 ba\u011fl\u0131 cinay\u0259t m\u0259suliyy\u0259ti a\u011f\u0131rla\u015fd\u0131r\u0131lmal\u0131d\u0131r, banklar\u0131n v\u0259 operatorlar\u0131n hüquqi m\u0259suliyy\u0259ti konkretl\u0259\u015fdirilm\u0259lidir v\u0259 s.”, – dey\u0259 o \u0259lav\u0259 edib.<\/p>\n","protected":false},"excerpt":{"rendered":"

“Son 4 ayda v\u0259t\u0259nda\u015flar\u0131n bank kartlar\u0131ndan 6 milyon manat o\u011furlan\u0131b. N\u0259z\u0259r\u0259 alsaq ki, bir çoxlar\u0131 ümumiyy\u0259tl\u0259 kartlar\u0131ndan o\u011furluq haqq\u0131nda r\u0259smi m\u0259lumat vermir, bu o dem\u0259kdir ki, h\u0259r ay t\u0259xmin\u0259n 2…<\/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-223971","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\/223971","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=223971"}],"version-history":[{"count":0,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/223971\/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=223971"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=223971"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=223971"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}