{"id":235095,"date":"2025-12-10T13:00:39","date_gmt":"2025-12-10T09:00:39","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=235095","title":{"rendered":"U\u00e7ot d\u0259r\u0259c\u0259si endirils\u0259 d\u0259 kreditl\u0259r ucuzla\u015fmayacaq –"},"content":{"rendered":"

Bu gün Az\u0259rbaycan Respublikas\u0131 M\u0259rk\u0259zi Bank\u0131n\u0131n \u0130dar\u0259 Hey\u0259tinin q\u0259rar\u0131 il\u0259 faiz d\u0259hlizinin bütün parametrl\u0259ri 0.25 faiz b\u0259ndi azald\u0131l\u0131b. Uçot d\u0259r\u0259c\u0259si 6.75%, faiz d\u0259hlizinin a\u015fa\u011f\u0131 h\u0259ddi 5.75%, faiz d\u0259hlizinin yuxar\u0131 h\u0259ddi is\u0259 7.75% s\u0259viyy\u0259sin\u0259 endirilib.<\/strong><\/p>\n

Ucnoqta.az x\u0259b\u0259r verir ki, iqtisadç\u0131 Natiq C\u0259f\u0259rli M\u0259rk\u0259zi Namk\u0131n uçot d\u0259r\u0259c\u0259si il\u0259 ba\u011fl\u0131 q\u0259rar\u0131n\u0131 \u015f\u0259rh ed\u0259rk\u0259n deyib.
\nEkspert bildirir ki, M\u0259rk\u0259zi Bank kommunikasiya m\u0259s\u0259l\u0259sini xeyli düz\u0259ldib dey\u0259, q\u0259rarlar\u0131n\u0131 önc\u0259d\u0259n proqnoz etm\u0259k asanla\u015f\u0131b, bu faiz endirimi d\u0259 gözl\u0259nil\u0259n idi:<\/p>\n

Natiq C\u0259f\u0259rlinin sözl\u0259rin\u0259 gör\u0259, Az\u0259rbaycanda iqtisadi sistem çox primitiv, bazar al\u0259tl\u0259ri v\u0259 institutlar\u0131n\u0131n z\u0259if oldu\u011funa gör\u0259 MB-\u0131n faiz q\u0259rarlar\u0131n\u0131n iqtisadiyyata t\u0259sirl\u0259ri çox az olur:
\nManat dollara p\u0259rçiml\u0259ndiy\u0259n\u0259 gör\u0259, AB\u015e-da FED n\u0259 q\u0259rar verirs\u0259, bizim MB da o yönd\u0259 q\u0259rarlar al\u0131r. Dünyada MB-lar faizi a\u015fa\u011f\u0131 salanda n\u0259 olur – b\u0259li, pul (likvidlik) bollu\u011fu art\u0131r, kredit faizl\u0259ri a\u015fa\u011f\u0131 dü\u015für. Bu formul Az\u0259rbaycanda i\u015fl\u0259yirmi – dem\u0259k olar ki, yox, i\u015fl\u0259mir. M\u0259s\u0259l\u0259n, 2014-cü ild\u0259 uçot d\u0259r\u0259c\u0259si 3,5% olub, amma, istehlak v\u0259 biznes kreditl\u0259ri ikir\u0259qmli idi, 14-24% aras\u0131 d\u0259yi\u015firdi. Devalvasiyalardan sonra, 2016-17-c\u0131 ill\u0259rd\u0259 MB-\u0131n uçot d\u0259r\u0259c\u0259si 15% oldu – yax\u015f\u0131, kredit faizl\u0259rin\u0259 t\u0259sir etdimi, cüzi t\u0259siri oldu, kredit faizl\u0259ri 18-28% aras\u0131 d\u0259yi\u015firdi.<\/p>\n

Y\u0259ni, uçot d\u0259r\u0259c\u0259si 2 ild\u0259 5 d\u0259f\u0259y\u0259 yax\u0131n artd\u0131, amma, kreditl\u0259rin faizi c\u0259mi 4-5% aras\u0131 art\u0131m göst\u0259rdi. 2019-da uçot d\u0259r\u0259c\u0259si 9% civar\u0131nda idi, kredit faizl\u0259ri is\u0259 ciddi azalma göst\u0259rm\u0259di".<\/p>\n

\u0130qtisadç\u0131 qeyd edir ki, bu gün Az\u0259rbaycanda uçot d\u0259r\u0259c\u0259si, lap 4-5% d\u0259 olsa, kreditl\u0259r ucuzla\u015fmayacaq:
\n"Kreditin ucuzla\u015fmas\u0131 üçün depozit faizl\u0259ri d\u0259 azalmal\u0131d\u0131r – indi banklar 9-10% civar\u0131nda depozit\u0259 faiz verirl\u0259r, onlar bu faizi 3-4%-\u0259 salsalar, banklara pul qoyan olmayacaq, s\u0259rb\u0259st pul kütl\u0259si valyutaya ged\u0259c\u0259k. Tutaq ki, möcüz\u0259 oldu, banklar kreditl\u0259ri 3-5% aras\u0131na ç\u0259kdil\u0259r, o zaman primitiv iqtisadi model\u0259 malik m\u0259ml\u0259k\u0259td\u0259 daxili istehsalla m\u0259\u015f\u011ful olmaq ç\u0259tindir dey\u0259, kredit alan da idxala giri\u015f\u0259c\u0259k, bunun üçün ataca\u011f\u0131 ilk add\u0131m, yen\u0259 d\u0259 manat\u0131 valyutaya çevirm\u0259k olacaq. Dem\u0259li, manata basq\u0131 artacaq ki, m\u0259z\u0259nn\u0259ni inzibat\u0131 yolla indiki nisb\u0259td\u0259 saxlamaq mümkün olmayacaq.<\/p>\n

Az\u0259rbaycanda M\u0259rk\u0259zi Bank\u0131n requlyativ al\u0259tl\u0259tl\u0259rinin i\u015fl\u0259k v\u0259 iqtisadiyyata müsb\u0259t t\u0259sirl\u0259rinin olmas\u0131 üçün ilk növb\u0259d\u0259 indiki primitiv iqtisadi model d\u0259yi\u015fm\u0259lidir".<\/p>\n","protected":false},"excerpt":{"rendered":"

Bu gün Az\u0259rbaycan Respublikas\u0131 M\u0259rk\u0259zi Bank\u0131n\u0131n \u0130dar\u0259 Hey\u0259tinin q\u0259rar\u0131 il\u0259 faiz d\u0259hlizinin bütün parametrl\u0259ri 0.25 faiz b\u0259ndi azald\u0131l\u0131b. Uçot d\u0259r\u0259c\u0259si 6.75%, faiz d\u0259hlizinin a\u015fa\u011f\u0131 h\u0259ddi 5.75%, faiz d\u0259hlizinin yuxar\u0131 h\u0259ddi…<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[88],"tags":[],"class_list":["post-235095","post","type-post","status-publish","format-standard","hentry","category-ekonomika"],"_links":{"self":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/235095","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=235095"}],"version-history":[{"count":0,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/235095\/revisions"}],"wp:attachment":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=235095"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=235095"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=235095"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}