{"id":240937,"date":"2026-03-30T11:26:00","date_gmt":"2026-03-30T07:26:00","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=240937","title":{"rendered":"Banklarda yeni qayda q\u00fcvv\u0259y\u0259 mindi –"},"content":{"rendered":"

M\u0259saf\u0259d\u0259n hesablar\u0131n aç\u0131lmas\u0131 qaydas\u0131 t\u0259sdiql\u0259nib.<\/strong><\/p>\n

Ucnoqta.az Trend-\u0259 istinad\u0259n x\u0259b\u0259r verir ki, bununla ba\u011fl\u0131 M\u0259rk\u0259zi Bank\u0131n s\u0259dri Taleh Kaz\u0131movun 15 dekabr 2025-ci ild\u0259 imzalad\u0131\u011f\u0131 müvafiq q\u0259rar 2026-c\u0131 il mart\u0131n 30-dan qüvv\u0259y\u0259 minib.<\/p>\n

Bel\u0259 ki, bu Qayda kredit t\u0259\u015fkilatlar\u0131nda, investisiya \u015firk\u0259tl\u0259rind\u0259, poçt rabit\u0259sinin milli operatorunda, öd\u0259ni\u015f t\u0259\u015fkilatlar\u0131nda (müst\u0259sna olaraq öd\u0259ni\u015f \u0259m\u0259liyyat\u0131n\u0131n apar\u0131lmas\u0131 üçün vasit\u0259çilik xidm\u0259ti v\u0259 (v\u0259 ya) hesab üzr\u0259 m\u0259lumat xidm\u0259ti göst\u0259r\u0259n öd\u0259ni\u015f t\u0259\u015fkilatlar\u0131 istisna olmaqla), habel\u0259 elektron pul t\u0259\u015fkilatlar\u0131nda (bundan sonra – n\u0259zar\u0259t subyektl\u0259ri) m\u0259saf\u0259d\u0259n hesablar\u0131n aç\u0131lmas\u0131 qaydas\u0131n\u0131 mü\u0259yy\u0259n edir.<\/p>\n

\u0130ki v\u0259 ya daha çox \u015f\u0259xs\u0259 m\u0259saf\u0259d\u0259n birg\u0259 hesab aç\u0131ld\u0131qda bu Qaydan\u0131n t\u0259l\u0259bl\u0259ri h\u0259min \u015f\u0259xsl\u0259rin h\u0259r birin\u0259 ayr\u0131-ayr\u0131l\u0131qda t\u0259tbiq edilir.<\/p>\n

\u018fsas anlay\u0131\u015flar<\/strong><\/p>\n

Bu Qaydada istifad\u0259 olunan \u0259sas anlay\u0131\u015flar a\u015fa\u011f\u0131dak\u0131 m\u0259nalar\u0131 ifad\u0259 edir:<\/p>\n

m\u0259saf\u0259d\u0259n hesablar\u0131n aç\u0131lmas\u0131- n\u0259zar\u0259t subyekti \u0259m\u0259kda\u015f\u0131n\u0131n v\u0259 m\u0259saf\u0259d\u0259n hesab\u0131n aç\u0131lmas\u0131 üçün müraci\u0259t ed\u0259n \u015f\u0259xsin (bundan sonra – mü\u015ft\u0259ri) eyni zamanda birg\u0259 fiziki i\u015ftirak\u0131 olmadan informasiya texnologiyalar\u0131 vasit\u0259sil\u0259 hesablar\u0131n aç\u0131lmas\u0131;<\/p>\n

hesab – bank v\u0259 dig\u0259r öd\u0259ni\u015f hesab\u0131, mü\u015ft\u0259ri hesab\u0131 (depo hesab\u0131 v\u0259 marja hesab\u0131);<\/p>\n

\u015f\u0259xsin eynil\u0259\u015fdirilm\u0259si – \u015f\u0259kil ç\u0259kili\u015fi, videoç\u0259kili\u015f v\u0259 ya videoz\u0259ng vasit\u0259sil\u0259 mü\u015ft\u0259rinin eynil\u0259\u015fdirilm\u0259si v\u0259 verifikasiyas\u0131;<\/p>\n

videoz\u0259ng – n\u0259zar\u0259t subyekti \u0259m\u0259kda\u015f\u0131n\u0131n v\u0259 mü\u015ft\u0259rinin i\u015ftirak\u0131 il\u0259 real vaxtda informasiya texnologiyalar\u0131 vasit\u0259sil\u0259 videoqeydiyyat format\u0131nda h\u0259yata keçiril\u0259n \u015f\u0259xsin eynil\u0259\u015fdirilm\u0259si;<\/p>\n

\u015f\u0259kil ç\u0259kili\u015fi – n\u0259zar\u0259t subyekti \u0259m\u0259kda\u015f\u0131n\u0131n birba\u015fa i\u015ftirak\u0131 olmadan informasiya texnologiyalar\u0131 vasit\u0259sil\u0259 fotoqeydiyyat formas\u0131nda h\u0259yata keçiril\u0259n \u015f\u0259xsin eynil\u0259\u015fdirilm\u0259si;<\/p>\n

videoç\u0259kili\u015f – n\u0259zar\u0259t subyekti \u0259m\u0259kda\u015f\u0131n\u0131n birba\u015fa i\u015ftirak\u0131 olmadan informasiya texnologiyalar\u0131 vasit\u0259sil\u0259 videoqeydiyyat format\u0131nda h\u0259yata keçiril\u0259n \u015f\u0259xsin eynil\u0259\u015fdirilm\u0259si.<\/p>\n

Bu Qaydada istifad\u0259 edil\u0259n "gücl\u0259ndirilmi\u015f elektron imza" anlay\u0131\u015f\u0131 "Elektron imza v\u0259 elektron s\u0259n\u0259d haqq\u0131nda" Qanunla mü\u0259yy\u0259n edilmi\u015f m\u0259nalar\u0131 ifad\u0259 edir.<\/p>\n

Bu Qaydada istifad\u0259 olunan dig\u0259r anlay\u0131\u015flar dig\u0259r normativ hüquqi v\u0259 normativ xarakterli aktlarda mü\u0259yy\u0259nl\u0259\u015fdirilmi\u015f m\u0259nalar\u0131 ifad\u0259 edir.<\/p>\n

Hesablar\u0131n m\u0259saf\u0259d\u0259n aç\u0131lmas\u0131<\/strong><\/p>\n

M\u0259saf\u0259d\u0259n hesab aç\u0131lan zaman n\u0259zar\u0259t subyekti t\u0259r\u0259find\u0259n istifad\u0259 edil\u0259n informasiya texnologiyalar\u0131, o cüml\u0259d\u0259n informasiya sistemi, proqram t\u0259minat\u0131 "F\u0259rdi m\u0259lumatlar haqq\u0131nda" Qanun v\u0259 dig\u0259r hüquqi aktlarla mü\u0259yy\u0259n edilmi\u015f t\u0259l\u0259bl\u0259r\u0259 cavab verm\u0259lidir.<\/p>\n

Fiziki \u015f\u0259xs olan mü\u015ft\u0259ril\u0259r\u0259 münasib\u0259td\u0259 qanuni nümay\u0259nd\u0259 qismind\u0259 valideynl\u0259r, övladl\u0131\u011fa götür\u0259nl\u0259r v\u0259 ya q\u0259yyumlar, hüquqi \u015f\u0259xs olan mü\u015ft\u0259ril\u0259r\u0259 münasib\u0259td\u0259 qanuni t\u0259msilçi istisna olmaqla mü\u015ft\u0259riy\u0259 dig\u0259r s\u0259lahiyy\u0259tli nümay\u0259nd\u0259 vasit\u0259sil\u0259 m\u0259saf\u0259d\u0259n hesab aç\u0131lmas\u0131na yol verilmir.<\/p>\n

N\u0259zar\u0259t subyekti m\u0259saf\u0259d\u0259n aç\u0131lan hesablar il\u0259 ba\u011fl\u0131 limitl\u0259r mü\u0259yy\u0259n etdikd\u0259, bu bar\u0259d\u0259 mü\u015ft\u0259riy\u0259 m\u0259lumat verilm\u0259li v\u0259 hesab aç\u0131lark\u0259n h\u0259min limitl\u0259r\u0259 riay\u0259t olunmal\u0131d\u0131r.<\/p>\n

N\u0259zar\u0259t subyekti xidm\u0259t göst\u0259rdiyi \u015f\u0259xsin yaz\u0131l\u0131 müraci\u0259ti il\u0259 ona m\u0259saf\u0259d\u0259n hesab aç\u0131lmas\u0131n\u0131 m\u0259hdudla\u015fd\u0131rmaq imkan\u0131 yaratmal\u0131d\u0131r. Müvafiq m\u0259hdudiyy\u0259t yaln\u0131z h\u0259min \u015f\u0259xsin n\u0259zar\u0259t subyektind\u0259 fiziki i\u015ftirak\u0131 il\u0259 t\u0259qdim etdiyi yaz\u0131l\u0131 müraci\u0259ti \u0259sas\u0131nda aradan qald\u0131r\u0131la bil\u0259r.<\/p>\n

Müraci\u0259tin edilm\u0259si<\/strong><\/p>\n

M\u0259saf\u0259d\u0259n hesab aç\u0131lmas\u0131 üçün mü\u015ft\u0259ri t\u0259r\u0259find\u0259n n\u0259zar\u0259t subyektin\u0259 elektron qaydada müraci\u0259t edilir.<\/p>\n

A\u015fa\u011f\u0131dak\u0131 abzasda n\u0259z\u0259rd\u0259 tutulan hallar istisna olmaqla mü\u015ft\u0259rinin müraci\u0259ti \u0259sas\u0131nda n\u0259zar\u0259t subyekti t\u0259r\u0259find\u0259n hesab\u0131n aç\u0131lmas\u0131 üçün qanunvericilikl\u0259 t\u0259l\u0259b edil\u0259n m\u0259lumat v\u0259 s\u0259n\u0259dl\u0259r n\u0259zar\u0259t subyektin\u0259 t\u0259qdim olunmal\u0131d\u0131r. M\u0259lumat v\u0259 s\u0259n\u0259dl\u0259r elektron formada t\u0259qdim edildikd\u0259 m\u0259lumatlar mü\u015ft\u0259rinin, s\u0259n\u0259dl\u0259r onlar\u0131 t\u0259rtib etmi\u015f \u015f\u0259xsl\u0259rin gücl\u0259ndirilmi\u015f elektron imzas\u0131 il\u0259 t\u0259sdiql\u0259nmi\u015f formada, ka\u011f\u0131z da\u015f\u0131y\u0131c\u0131da t\u0259qdim edildikd\u0259 is\u0259 \u0259sli v\u0259 ya sur\u0259ti qanunvericiliy\u0259 uy\u011fun olaraq t\u0259sdiql\u0259nmi\u015f formada olmal\u0131d\u0131r.<\/p>\n

A\u015fa\u011f\u0131dak\u0131 hallarda mü\u015ft\u0259rid\u0259n m\u0259lumat v\u0259 s\u0259n\u0259dl\u0259rin n\u0259zar\u0259t subyektin\u0259 t\u0259qdim edilm\u0259si t\u0259l\u0259b olunmur:<\/p>\n

n\u0259zar\u0259t subyektind\u0259 daha önc\u0259 hesab\u0131n aç\u0131lmas\u0131 zaman\u0131 \u0259ld\u0259 edilmi\u015f müvafiq m\u0259lumat v\u0259 s\u0259n\u0259dl\u0259r mövcud olduqda v\u0259 bu m\u0259lumat v\u0259 s\u0259n\u0259dl\u0259r mü\u015ft\u0259ri uy\u011funlu\u011fu t\u0259dbirl\u0259rinin davaml\u0131 olaraq t\u0259tbiq edilm\u0259si n\u0259tic\u0259sind\u0259 yenil\u0259nmi\u015f olduqda;<\/p>\n

n\u0259zar\u0259t subyekti "Cinay\u0259t yolu il\u0259 \u0259ld\u0259 edilmi\u015f \u0259mlak\u0131n leqalla\u015fd\u0131r\u0131lmas\u0131na v\u0259 terrorçulu\u011fun maliyy\u0259l\u0259\u015fdirilm\u0259sin\u0259 qar\u015f\u0131 mübariz\u0259 haqq\u0131nda" Qanuna müvafiq olaraq q\u0259bul edilmi\u015f "Mü\u015ft\u0259ri uy\u011funlu\u011fu v\u0259 yeni texnologiyalar\u0131n t\u0259tbiqi zaman\u0131 verifikasiya t\u0259dbirl\u0259rin\u0259, risk faktorlar\u0131n\u0131n mü\u0259yy\u0259n edilm\u0259sin\u0259 v\u0259 mü\u015ft\u0259ri profilinin risk qruplar\u0131na aid edilm\u0259sin\u0259 dair Qaydalar"a (bundan sonra – MUT Qaydalar\u0131) uy\u011fun olaraq t\u0259l\u0259b edil\u0259n m\u0259lumat v\u0259 s\u0259n\u0259dl\u0259ri "Cinay\u0259t yolu il\u0259 \u0259ld\u0259 edilmi\u015f \u0259mlak\u0131n leqalla\u015fd\u0131r\u0131lmas\u0131na v\u0259 terrorçulu\u011fun maliyy\u0259l\u0259\u015fdirilm\u0259sin\u0259 qar\u015f\u0131 mübariz\u0259 haqq\u0131nda" Qanuna müvafiq olaraq üçüncü \u015f\u0259xsl\u0259r\u0259 güv\u0259n\u0259r\u0259k \u0259ld\u0259 etdikd\u0259;<\/p>\n

dövl\u0259t informasiya sisteml\u0259rin\u0259 inteqrasiya t\u0259min olundu\u011fu halda n\u0259zar\u0259t subyekti t\u0259r\u0259find\u0259n müvafiq m\u0259lumat v\u0259 s\u0259n\u0259dl\u0259r h\u0259min informasiya sisteml\u0259rind\u0259n \u0259ld\u0259 edildikd\u0259.<\/p>\n

\u018fld\u0259 edilmi\u015f m\u0259lumat v\u0259 s\u0259n\u0259dl\u0259r \u0259sas\u0131nda n\u0259zar\u0259t subyekti t\u0259r\u0259find\u0259n MUT Qaydalar\u0131na uy\u011fun olaraq verifikasiya t\u0259dbirl\u0259ri görülür, n\u0259zar\u0259t subyektinin daxili qaydalar\u0131na uy\u011fun olaraq risk qiym\u0259tl\u0259ndirilm\u0259si h\u0259yata keçirilir. Risk qiym\u0259tl\u0259ndirilm\u0259si n\u0259tic\u0259l\u0259rind\u0259n as\u0131l\u0131 olaraq proses\u0259 xitam verilm\u0259si hallar\u0131 n\u0259zar\u0259t subyektinin daxili qaydalar\u0131 il\u0259 mü\u0259yy\u0259n edilir.<\/p>\n

\u018fld\u0259 edilmi\u015f m\u0259lumat v\u0259 s\u0259n\u0259dl\u0259r \u0259sas\u0131nda n\u0259zar\u0259t subyekti t\u0259r\u0259find\u0259n mü\u015ft\u0259rinin f\u0259aliyy\u0259t qabiliyy\u0259ti, s\u0259lahiyy\u0259ti v\u0259 gücl\u0259ndirilmi\u015f elektron imzas\u0131 qanunvericiliy\u0259 uy\u011fun olaraq yoxlan\u0131l\u0131r.<\/p>\n

\u015e\u0259xsin eynil\u0259\u015fdirilm\u0259si<\/strong><\/p>\n

Bu Qayda il\u0259 mü\u0259yy\u0259n edilmi\u015f \u015f\u0259xsin eynil\u0259\u015fdirilm\u0259sin\u0259 dair t\u0259l\u0259bl\u0259rin t\u0259tbiqi üzr\u0259 biznes prosesl\u0259rinin v\u0259 n\u0259zar\u0259t mexanizml\u0259rinin formala\u015fd\u0131r\u0131lmas\u0131ndan önc\u0259 n\u0259zar\u0259t subyekti t\u0259r\u0259find\u0259n \u0259m\u0259liyyat v\u0259 komplayens riskl\u0259rinin t\u0259hlili v\u0259 onlar\u0131n effektiv idar\u0259 edilm\u0259si m\u0259qs\u0259dil\u0259 t\u0259dbirl\u0259r, o cüml\u0259d\u0259n müvafiq t\u0259hlük\u0259sizlik t\u0259dbirl\u0259ri görülür.<\/p>\n

\u015e\u0259xsin eynil\u0259\u015fdirilm\u0259sind\u0259n \u0259vv\u0259l n\u0259zar\u0259t subyekti t\u0259r\u0259find\u0259n mü\u015ft\u0259ri eynil\u0259\u015fdirilm\u0259nin keçirilm\u0259si il\u0259 ba\u011fl\u0131 qaydalarla v\u0259 mü\u0259yy\u0259n edilmi\u015f \u015f\u0259rtl\u0259rl\u0259 tan\u0131\u015f edilir, habel\u0259 hesab\u0131n aç\u0131lmas\u0131 üçün qanuna uy\u011fun olaraq t\u0259l\u0259b olunan f\u0259rdi m\u0259lumatlar\u0131n "F\u0259rdi m\u0259lumatlar haqq\u0131nda" Az\u0259rbaycan Respublikas\u0131n\u0131n Qanununa uy\u011fun olaraq toplan\u0131lmas\u0131na v\u0259 i\u015fl\u0259nilm\u0259sin\u0259 yaz\u0131l\u0131 raz\u0131l\u0131q al\u0131n\u0131r.<\/p>\n

Bu Qaydan\u0131n "Müraci\u0259tin edilm\u0259si" hiss\u0259sin\u0259 uy\u011fun olaraq, müvafiq prosedurlardan keç\u0259n \u015f\u0259xs\u0259 münasib\u0259td\u0259 \u015f\u0259xsin eynil\u0259\u015fdirilm\u0259si prosesin\u0259 ba\u015flan\u0131l\u0131r.<\/p>\n

\u015e\u0259xsin eynil\u0259\u015fdirilm\u0259si risk \u0259sasl\u0131 yana\u015fma n\u0259z\u0259r\u0259 al\u0131nmaqla, n\u0259zar\u0259t subyekti t\u0259r\u0259find\u0259n t\u0259sdiq edilmi\u015f daxili qaydalar \u0259sas\u0131nda a\u015fa\u011f\u0131dak\u0131 üsullardan biri v\u0259 ya bir neç\u0259sinin t\u0259tbiqi yolu il\u0259 h\u0259yata keçirilir:<\/p>\n

\u015f\u0259kil ç\u0259kili\u015fi vasit\u0259sil\u0259 eynil\u0259\u015fdirm\u0259;<\/p>\n

videoç\u0259kili\u015f vasit\u0259sil\u0259 eynil\u0259\u015fdirm\u0259;<\/p>\n

N\u0259zar\u0259t subyekti t\u0259r\u0259find\u0259n \u015f\u0259kil ç\u0259kili\u015fi, videoç\u0259kili\u015f v\u0259 ya videoz\u0259ng n\u0259tic\u0259sind\u0259 müvafiq görüntül\u0259r \u0259ld\u0259 edilm\u0259lidir. Görüntül\u0259r a\u015fa\u011f\u0131dak\u0131 t\u0259l\u0259bl\u0259r\u0259 uy\u011fun olmal\u0131d\u0131r:<\/p>\n

görüntü v\u0259 s\u0259s keyfiyy\u0259ti az\u0131 sinxronizasiya olunmu\u015f \u015f\u0259kild\u0259 bütün proses zaman\u0131 \u015f\u0259xsin eynil\u0259\u015fdirilm\u0259sin\u0259 v\u0259 verifikasiyas\u0131na imkan verm\u0259lidir;<\/p>\n

görüntü r\u0259ngli olmal\u0131d\u0131r;<\/p>\n

görüntüd\u0259 \u015f\u0259xsin üz t\u0259sviri ayd\u0131n görünm\u0259li, üz t\u0259sviri aç\u0131q olmal\u0131 v\u0259 üz\u0259rin\u0259 kölg\u0259 dü\u015fm\u0259m\u0259li, üz t\u0259svirini ört\u0259n h\u0259r hans\u0131 \u0259\u015fya, o cüml\u0259d\u0259n eyn\u0259k v\u0259 ya üzüört\u0259n h\u0259r hans\u0131 bir vasit\u0259 olmamal\u0131d\u0131r;<\/p>\n

görüntüd\u0259 \u015f\u0259xsd\u0259n ba\u015fqa üçüncü \u015f\u0259xsl\u0259r i\u015ftirak etm\u0259m\u0259li, o cüml\u0259d\u0259n üçüncü \u015f\u0259xsl\u0259rin köm\u0259yind\u0259n istifad\u0259 olunmamal\u0131d\u0131r.<\/p>\n

Videoz\u0259ng real vaxtda v\u0259 fasil\u0259siz olaraq h\u0259yata keçirilir.<\/p>\n

\u015e\u0259xsin eynil\u0259\u015fdirilm\u0259si prosesind\u0259 fiziki \u015f\u0259xsin canl\u0131l\u0131\u011f\u0131n\u0131 a\u015fkarlayan üsullar istifad\u0259 edilm\u0259lidir. Canl\u0131l\u0131\u011f\u0131n yoxlan\u0131lmas\u0131 proqram t\u0259minat\u0131 vasit\u0259sil\u0259 h\u0259yata keçirilm\u0259lidir. \u015e\u0259xsin canl\u0131 insan oldu\u011fundan \u0259min olmaq üçün ondan t\u0259sadüfi s\u0131ra il\u0259 minimum 3 h\u0259r\u0259k\u0259tin edilm\u0259si t\u0259l\u0259b olunur. Proqram t\u0259minat\u0131 vasit\u0259sil\u0259 \u015f\u0259xsin reaksiyalar\u0131n\u0131n verilmi\u015f tap\u015f\u0131r\u0131qlara uy\u011funlu\u011fu, \u015f\u0259xsin üz t\u0259svirinin canl\u0131 dinamikas\u0131, o cüml\u0259d\u0259n onun \u015füurlu idar\u0259 ed\u0259 bilm\u0259diyi t\u0259bii fizioloji reaksiyalar\u0131 t\u0259hlil edilir.<\/p>\n

\u015e\u0259xsin eynil\u0259\u015fdirilm\u0259si zaman\u0131 \u015f\u0259xsin üz t\u0259sviri onun dövl\u0259t informasiya sistemind\u0259ki foto\u015f\u0259kili il\u0259 proqram t\u0259minat\u0131 vasit\u0259sil\u0259 üzl\u0259\u015fdirilir.<\/p>\n

N\u0259zar\u0259t subyektind\u0259 hesab\u0131 mövcud olan mü\u015ft\u0259ril\u0259r t\u0259r\u0259find\u0259n h\u0259min n\u0259zar\u0259t subyektind\u0259 m\u0259saf\u0259d\u0259n yeni hesab\u0131n aç\u0131lmas\u0131 zaman\u0131 \u015f\u0259xsin eynil\u0259\u015fdirilm\u0259sinin h\u0259yata keçirilm\u0259si t\u0259l\u0259b olunmur. N\u0259zar\u0259t subyekti bu qaydada hesab\u0131n aç\u0131lmas\u0131n\u0131 riskli hesab ed\u0259rs\u0259, yuxar\u0131da n\u0259z\u0259rd\u0259 tutulan üsullardan birini v\u0259 ya bir neç\u0259sini t\u0259tbiq ed\u0259 bil\u0259r.<\/p>\n

\u015e\u0259xsin eynil\u0259\u015fdirilm\u0259si zaman\u0131 n\u0259zar\u0259t subyekti il\u0259 mü\u015ft\u0259ri aras\u0131ndak\u0131 rabit\u0259nin bütövlüyü v\u0259 m\u0259xfiliyi, o cüml\u0259d\u0259n m\u0259lumatlar\u0131n ötürülm\u0259si kanallar\u0131n\u0131n tam \u015fifr\u0259l\u0259nm\u0259si t\u0259min edilir.<\/p>\n

Müqavil\u0259l\u0259rin ba\u011flanmas\u0131<\/strong><\/p>\n

Bu Qaydan\u0131n t\u0259l\u0259bl\u0259rin\u0259 riay\u0259t olunduqda v\u0259 m\u0259saf\u0259d\u0259n hesab aç\u0131lmas\u0131ndan imtina edilm\u0259dikd\u0259 mü\u015ft\u0259ri il\u0259 n\u0259zar\u0259t subyekti aras\u0131nda hesab\u0131n aç\u0131lmas\u0131na dair müvafiq müqavil\u0259 ba\u011flan\u0131l\u0131r.<\/p>\n

N\u0259zar\u0259t subyekti t\u0259r\u0259find\u0259n müvafiq müqavil\u0259nin layih\u0259si ayd\u0131n v\u0259 oxunaql\u0131 formada davaml\u0131 da\u015f\u0131y\u0131c\u0131da (m\u0259lumat\u0131n onun m\u0259qs\u0259dl\u0259rin\u0259 uy\u011fun müdd\u0259t \u0259rzind\u0259 saxlanmas\u0131na imkan ver\u0259n v\u0259 saxlan\u0131lan m\u0259lumat\u0131n d\u0259yi\u015fiklik olmadan \u0259ks etdirilm\u0259si mümkün olan ist\u0259nil\u0259n vasit\u0259) mü\u015ft\u0259riy\u0259 t\u0259qdim edilir.<\/p>\n

Mü\u015ft\u0259ri ona t\u0259qdim olunmu\u015f müqavil\u0259 layih\u0259si il\u0259 tan\u0131\u015f olur v\u0259 \u015f\u0259rtl\u0259ri il\u0259 raz\u0131 olduqda müqavil\u0259ni v\u0259 dig\u0259r \u0259laq\u0259li s\u0259n\u0259dl\u0259ri gücl\u0259ndirilmi\u015f elektron imza il\u0259 t\u0259sdiq edir.<\/p>\n

N\u0259zar\u0259t subyekti h\u0259min müqavil\u0259ni gücl\u0259ndirilmi\u015f elektron imza il\u0259 t\u0259sdiq edir v\u0259 mü\u015ft\u0259riy\u0259 davaml\u0131 da\u015f\u0131y\u0131c\u0131da t\u0259qdim edir. N\u0259zar\u0259t subyekti mü\u015ft\u0259rinin t\u0259l\u0259bi il\u0259 m\u0259saf\u0259d\u0259n ba\u011flanm\u0131\u015f müqavil\u0259nin sur\u0259tini mü\u015ft\u0259rinin seçdiyi formada (ka\u011f\u0131zda v\u0259 ya dig\u0259r davaml\u0131 da\u015f\u0131y\u0131c\u0131da) \u0259lçatan etm\u0259lidir.<\/p>\n

A\u015fa\u011f\u0131dak\u0131 hallarda m\u0259saf\u0259d\u0259n hesab aç\u0131lmas\u0131ndan imtina edilir:<\/p>\n

bu Qaydan\u0131n 1.3-cü b\u0259ndind\u0259 göst\u0259ril\u0259n hüquqi aktlarda n\u0259z\u0259rd\u0259 tutulmu\u015f hallar mövcud olduqda;<\/p>\n

bu Qaydan\u0131n 4.5-ci b\u0259ndin\u0259 uy\u011fun olaraq apar\u0131lan yoxlama n\u0259tic\u0259sind\u0259 m\u0259saf\u0259d\u0259n hesab\u0131n aç\u0131lmas\u0131 mümkün olmad\u0131qda;<\/p>\n

bu Qaydan\u0131n 5-ci hiss\u0259sinin t\u0259l\u0259bl\u0259rin\u0259 uy\u011fun olaraq \u015f\u0259xsin eynil\u0259\u015fdirilm\u0259si mümkün olmad\u0131qda.<\/p>\n

N\u0259zar\u0259t subyekti t\u0259r\u0259find\u0259n hesab\u0131n m\u0259saf\u0259d\u0259n aç\u0131lmas\u0131ndan imtina edildikd\u0259 bu bar\u0259d\u0259 mü\u015ft\u0259riy\u0259 onun t\u0259qdim etdiyi müvafiq \u0259laq\u0259 vasit\u0259l\u0259ri il\u0259 (SMS m\u0259lumatland\u0131rma, elektron poçt ünvan\u0131 v\u0259 s.) bildiri\u015f gönd\u0259rilir v\u0259 bildiri\u015fd\u0259 imtinan\u0131n s\u0259b\u0259bl\u0259ri göst\u0259rilir.<\/p>\n

Yekun müdd\u0259alar<\/strong><\/p>\n

M\u0259saf\u0259d\u0259n hesab aç\u0131lmas\u0131 xidm\u0259tini göst\u0259r\u0259n n\u0259zar\u0259t subyektinin mü\u015fahid\u0259 (direktorlar) \u015furas\u0131 (bel\u0259 orqan olmad\u0131qda n\u0259zar\u0259t subyektinin icra orqan\u0131) t\u0259r\u0259find\u0259n bu xidm\u0259tl\u0259r\u0259 dair daxili qaydalar t\u0259sdiq edilir. \u015e\u0259xsin eynil\u0259\u015fdirilm\u0259si prosesinin adekvatl\u0131\u011f\u0131n\u0131n yoxlan\u0131lmas\u0131 ild\u0259 bir d\u0259f\u0259d\u0259n az olmayaraq n\u0259zar\u0259t subyektinin daxili qaydalar\u0131 il\u0259 mü\u0259yy\u0259n edilmi\u015f dövrilikl\u0259 h\u0259yata keçirilir.<\/p>\n

T\u0259hlük\u0259sizlik pozuntular\u0131n\u0131n a\u015fkarlanmas\u0131 v\u0259 ya ba\u015f verm\u0259si, aidiyy\u0259ti hüquqi aktlarda d\u0259yi\u015fiklikl\u0259rin edilm\u0259si, n\u0259zar\u0259t subyektinin mümkün f\u0131r\u0131ldaqç\u0131l\u0131q v\u0259 ya dig\u0259r hüquq pozuntusu hallar\u0131ndan x\u0259b\u0259rdar olmas\u0131 v\u0259 \u015f\u0259xsin eynil\u0259\u015fdirilm\u0259si il\u0259 ba\u011fl\u0131 çat\u0131\u015fmazl\u0131qlar\u0131n a\u015fkarlanmas\u0131 hallar\u0131nda texnoloji inki\u015faf v\u0259 prosesin t\u0259tbiqind\u0259 qazan\u0131lan t\u0259crüb\u0259 d\u0259 n\u0259z\u0259r\u0259 al\u0131nmaqla m\u0259saf\u0259d\u0259n hesab aç\u0131lmas\u0131 prosesl\u0259rin\u0259 yenid\u0259n bax\u0131l\u0131r, z\u0259rur\u0259t olduqda daxili qaydalarda müvafiq d\u0259yi\u015fiklikl\u0259r edilir.<\/p>\n

M\u0259saf\u0259d\u0259n hesab aç\u0131lmas\u0131 zaman\u0131 \u0259ld\u0259 olunmu\u015f bütün m\u0259lumat v\u0259 s\u0259n\u0259dl\u0259r, o cüml\u0259d\u0259n \u015f\u0259xsin eynil\u0259\u015fdirilm\u0259si zaman\u0131 yarad\u0131lm\u0131\u015f video v\u0259 audio fayllar, \u015f\u0259kill\u0259r, loqlar qanunvericiliy\u0259 uy\u011fun qaydada v\u0259 müdd\u0259tl\u0259rd\u0259 saxlan\u0131l\u0131r.<\/p>\n","protected":false},"excerpt":{"rendered":"

M\u0259saf\u0259d\u0259n hesablar\u0131n aç\u0131lmas\u0131 qaydas\u0131 t\u0259sdiql\u0259nib. Ucnoqta.az Trend-\u0259 istinad\u0259n x\u0259b\u0259r verir ki, bununla ba\u011fl\u0131 M\u0259rk\u0259zi Bank\u0131n s\u0259dri Taleh Kaz\u0131movun 15 dekabr 2025-ci ild\u0259 imzalad\u0131\u011f\u0131 müvafiq q\u0259rar 2026-c\u0131 il mart\u0131n 30-dan qüvv\u0259y\u0259 minib.…<\/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-240937","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\/240937","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=240937"}],"version-history":[{"count":0,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/240937\/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=240937"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=240937"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=240937"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}