{"id":229730,"date":"2025-09-01T13:12:29","date_gmt":"2025-09-01T09:12:29","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=229730","title":{"rendered":"M\u0259rk\u0259zi Bank iki kredit t\u0259\u015fkilat\u0131n\u0131n lisenziyas\u0131n\u0131\u00a0l\u0259\u011fv etdi"},"content":{"rendered":"<p><strong>M\u0259rk\u0259zi Bank iki bank olmayan kredit t\u0259\u015fkilat\u0131n\u0131n lisenziyas\u0131n\u0131 l\u0259\u011fv edib.<\/strong><\/p>\n<p>Bu bar\u0259d\u0259&nbsp;Ucnoqta.az-a Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131ndan bildirilib.<\/p>\n<p>M\u0259lumata g&ouml;r\u0259, kapital\u0131n minimum miqdar\u0131 t\u0259l\u0259bin\u0259 \u0259m\u0259l edilm\u0259diyind\u0259n &ldquo;Finoko&rdquo; Bank olmayan kredit t\u0259\u015fkilat\u0131 A&ccedil;\u0131q S\u0259hmdar C\u0259miyy\u0259ti v\u0259 &ldquo;\u0130cra&ccedil;\u0131 Kredit Agentliyi&rdquo; M\u0259hdud M\u0259suliyy\u0259tli C\u0259miyy\u0259ti Bank olmayan kredit t\u0259\u015fkilat\u0131na M\u0259rk\u0259zi Bank t\u0259r\u0259find\u0259n icras\u0131 m\u0259cburi olan g&ouml;st\u0259ri\u015fl\u0259r verilmi\u015fdir. Lakin, &ouml;t\u0259n d&ouml;vr \u0259rzind\u0259 bu t\u0259\u015fkilatlar t\u0259r\u0259find\u0259n kapital\u0131n minimum miqdar\u0131 t\u0259l\u0259bin\u0259 \u0259m\u0259l edilm\u0259si istiqam\u0259tind\u0259 z\u0259ruri add\u0131mlar at\u0131lmam\u0131\u015fd\u0131r. Qeyd olunanlar\u0131 n\u0259z\u0259r\u0259 alaraq, &ldquo;Bank olmayan kredit t\u0259\u015fkilatlar\u0131 haqq\u0131nda&rdquo; Qanunun 25.1.4-c&uuml; madd\u0259sin\u0259 \u0259sas\u0259n f\u0259aliyy\u0259tind\u0259 yol verildiyi pozuntular\u0131n aradan qald\u0131r\u0131lmas\u0131 bar\u0259d\u0259 M\u0259rk\u0259zi Bank\u0131n g&ouml;st\u0259ri\u015fl\u0259rin\u0259 \u0259m\u0259l edilm\u0259m\u0259si il\u0259 \u0259laq\u0259dar &ldquo;Finoko&rdquo; BOKT ASC-nin 22.09.2014-c&uuml; il tarixli, BKT-28 n&ouml;mr\u0259li lisenziyas\u0131 v\u0259 &ldquo;\u0130cra&ccedil;\u0131 Kredit Agentliyi&rdquo; MMC BOKT-nin 25.10.2002-ci il tarixli, 132-QB n&ouml;mr\u0259li lisenziyas\u0131 M\u0259rk\u0259zi Bank\u0131n \u0130dar\u0259 Hey\u0259tinin 29 avqust 2025-ci il tarixli Q\u0259rar\u0131 il\u0259 l\u0259\u011fv edilib.<\/p>\n<p>Qeyd edilib ki,&nbsp;&ldquo;Bank olmayan kredit t\u0259\u015fkilatlar\u0131 haqq\u0131nda&rdquo; Az\u0259rbaycan Respublikas\u0131n\u0131n Qanununa (Qanun) edilmi\u015f d\u0259yi\u015fikl\u0259r\u0259 \u0259sas\u0259n, el\u0259c\u0259 d\u0259, M\u0259rk\u0259zi Bank\u0131n t\u0259sdiq etdiyi &ldquo;2024-2026-c\u0131 ill\u0259rd\u0259 maliyy\u0259 sektorunun inki\u015faf\u0131 Strategiyas\u0131&rdquo;nda m&uuml;\u0259yy\u0259n edilmi\u015f strateji h\u0259d\u0259fl\u0259r &ccedil;\u0259r&ccedil;iv\u0259sind\u0259 Az\u0259rbaycan Respublikas\u0131 M\u0259rk\u0259zi Bank\u0131n\u0131n \u0130dar\u0259 Hey\u0259tinin m&uuml;vafiq Q\u0259rarlar\u0131 il\u0259 &ldquo;Bank olmayan kredit t\u0259\u015fkilatlar\u0131n\u0131n f\u0259aliyy\u0259tinin prudensial t\u0259nziml\u0259nm\u0259si Qaydas\u0131&rdquo; (Prudensial Qayda) v\u0259 &ldquo;Bank olmayan kredit t\u0259\u015fkilatlar\u0131nda kredit riskl\u0259rinin idar\u0259 edilm\u0259si Qaydas\u0131&rdquo; t\u0259sdiq edilib.<\/p>\n<p>Prudensial Qaydaya \u0259sas\u0259n kommersiya h&uuml;quqi \u015f\u0259xs formas\u0131nda yarad\u0131lan m&ouml;vcud v\u0259 yeni bank olmayan kredit t\u0259\u015fkilatlar\u0131na kapital\u0131n minimum miqdar\u0131 t\u0259l\u0259bi 1 milyon manat m\u0259bl\u0259\u011find\u0259 m&uuml;\u0259yy\u0259n edilmi\u015fdir. Kapital\u0131n minimum miqdar\u0131 t\u0259l\u0259binin bu h\u0259dd\u0259 m&uuml;\u0259yy\u0259n edilm\u0259si bank olmayan kredit t\u0259\u015fkilatlar\u0131n\u0131n daha diversifikasiya olunmu\u015f resurs m\u0259nb\u0259l\u0259rin\u0259 &ccedil;\u0131x\u0131\u015f\u0131n\u0131 geni\u015fl\u0259ndirm\u0259kl\u0259 maliyy\u0259 vasit\u0259&ccedil;iliyind\u0259 rolunu daha da art\u0131racaqd\u0131r. &Uuml;mumilikd\u0259, Qanun v\u0259 qaydalardak\u0131 t\u0259l\u0259bl\u0259r bank olmayan kredit t\u0259\u015fkilatlar\u0131n\u0131n maliyy\u0259 dayan\u0131ql\u0131\u011f\u0131n\u0131n g&uuml;cl\u0259ndirilm\u0259si v\u0259 istehlak&ccedil;\u0131 h&uuml;quqlar\u0131n\u0131n qorunmas\u0131 m\u0259qs\u0259dini da\u015f\u0131y\u0131r.<\/p>\n<p>&ldquo;Bank olmayan kredit t\u0259\u015fkilatlar\u0131 haqq\u0131nda&rdquo; Qanunun 25.4-c&uuml; madd\u0259sin\u0259 \u0259sas\u0259n, bank olmayan kredit t\u0259\u015fkilat\u0131 lisenziyas\u0131n\u0131n l\u0259\u011fv edilm\u0259si haqq\u0131nda q\u0259rar\u0131n q&uuml;vv\u0259y\u0259 mindiyi g&uuml;nd\u0259n f\u0259aliyy\u0259tini dayand\u0131r\u0131r v\u0259 Az\u0259rbaycan Respublikas\u0131n\u0131n M&uuml;lki M\u0259c\u0259ll\u0259sind\u0259 m&uuml;\u0259yy\u0259n olunmu\u015f qaydada l\u0259\u011fv edilir.<\/p>\n<p>Bank olmayan kredit t\u0259\u015fkilatlar\u0131n\u0131n f\u0259aliyy\u0259ti requlyativ t\u0259l\u0259bl\u0259r \u0259sas\u0131nda daim n\u0259zar\u0259td\u0259 saxlan\u0131l\u0131r, &uuml;mumilikd\u0259 t\u0259l\u0259bl\u0259r\u0259, o c&uuml;ml\u0259d\u0259n kapital t\u0259l\u0259bl\u0259rin\u0259 \u0259m\u0259l etm\u0259y\u0259n bank olmayan kredit t\u0259\u015fkilatlar\u0131na qar\u015f\u0131 qanunvericilik &ccedil;\u0259r&ccedil;iv\u0259sind\u0259 z\u0259ruri add\u0131mlar at\u0131lacaq.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>M\u0259rk\u0259zi Bank iki bank olmayan kredit t\u0259\u015fkilat\u0131n\u0131n lisenziyas\u0131n\u0131 l\u0259\u011fv edib. Bu bar\u0259d\u0259&nbsp;Ucnoqta.az-a Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131ndan bildirilib. M\u0259lumata g&ouml;r\u0259, kapital\u0131n minimum miqdar\u0131 t\u0259l\u0259bin\u0259 \u0259m\u0259l edilm\u0259diyind\u0259n &ldquo;Finoko&rdquo; Bank olmayan kredit t\u0259\u015fkilat\u0131 A&ccedil;\u0131q&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":[88],"tags":[],"class_list":["post-229730","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\/229730","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=229730"}],"version-history":[{"count":0,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/229730\/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=229730"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=229730"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=229730"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}