{"id":245721,"date":"2026-06-29T10:12:44","date_gmt":"2026-06-29T06:12:44","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=245721","title":{"rendered":"Qaydalar d\u0259yi\u015fdi:"},"content":{"rendered":"

M\u0259rk\u0259zi Bank kredit riskl\u0259rinin idar\u0259 edilm\u0259si qaydalar\u0131na d\u0259yi\u015fiklik edib. Bankdan d\u0259yi\u015fiklikl\u0259ri m\u0259saf\u0259d\u0259n maliyy\u0259 xidm\u0259tl\u0259ri sah\u0259sind\u0259 riskl\u0259rin azald\u0131lmas\u0131 v\u0259 istehlakç\u0131lar\u0131n hüquqlar\u0131n\u0131n qorunmas\u0131n\u0131n gücl\u0259ndirilm\u0259si istiqam\u0259tind\u0259 normativ bazan\u0131n t\u0259kmill\u0259\u015fdirilm\u0259si il\u0259 \u0259laq\u0259l\u0259ndiribl\u0259r.<\/strong><\/p>\n

Ucnoqta.az x\u0259b\u0259r verir ki, bu fikirl\u0259ri iqtisadç\u0131 mill\u0259t v\u0259kili Vüqar Bayramov bildirib. Deputat qeyd edir ki, bu ilin oktyabr\u0131ndan qüvv\u0259y\u0259 min\u0259c\u0259k d\u0259yi\u015fiklikl\u0259r\u0259 \u0259sas\u0259n, mü\u015ft\u0259ril\u0259r\u0259 m\u0259saf\u0259d\u0259n istehlak krediti müqavil\u0259l\u0259rinin ba\u011flanmas\u0131na v\u0259 kredit limitl\u0259rinin art\u0131r\u0131lmas\u0131na qar\u015f\u0131 könüllü m\u0259hdudiyy\u0259t t\u0259tbiq etm\u0259k imkan\u0131 yarad\u0131l\u0131r:
\n"Y\u0259ni, riskl\u0259ri n\u0259z\u0259r\u0259 alaraq v\u0259t\u0259nda\u015f özü m\u0259saf\u0259d\u0259n kredit t\u0259klifini m\u0259hdudla\u015fd\u0131ra bil\u0259c\u0259k. Bu zaman, ist\u0259nil\u0259n v\u0259t\u0259nda\u015f\u0131m\u0131z Az\u0259rbaycan Kredit Bürosu üz\u0259rind\u0259n sor\u011fu yerl\u0259\u015fdirm\u0259kl\u0259 bütün kredit t\u0259\u015fkilatlar\u0131nd m\u0259saf\u0259d\u0259n kredit r\u0259smil\u0259\u015fdirilm\u0259sin\u0259 qada\u011fa qoya bil\u0259c\u0259k. Yeni d\u0259yi\u015fiklikl\u0259r\u0259 \u0259sas\u0259n, v\u0259t\u0259nda\u015flar mü\u015ft\u0259risi olduqlar\u0131 kredit t\u0259\u015fkilat\u0131na birba\u015fa müraci\u0259t etm\u0259kl\u0259 yaln\u0131z h\u0259min t\u0259\u015fkilata m\u0259hdudiyy\u0259t t\u0259tbiq ed\u0259 bil\u0259c\u0259kl\u0259r. Kredit t\u0259\u015fkilatlar\u0131 m\u0259saf\u0259d\u0259n kredit r\u0259smil\u0259\u015fdirilm\u0259d\u0259n önc\u0259 bu qada\u011fan\u0131 yoxlamal\u0131 v\u0259 yaln\u0131z m\u0259hdudiyy\u0259t qoyulmad\u0131\u011f\u0131 halda krediti verm\u0259lidirl\u0259r".<\/p>\n

Vüqar Bayramov qeyd edir ki, qaydalarda dig\u0259r d\u0259yi\u015fiklik m\u0259saf\u0259d\u0259n ba\u011flan\u0131lan istehlak krediti müqavil\u0259l\u0259ri üzr\u0259 v\u0259saitl\u0259rin verilm\u0259sind\u0259 “gözl\u0259m\u0259 müdd\u0259ti”nin t\u0259tbiq edilm\u0259sidir:
\n"Bel\u0259 ki, kreditin m\u0259bl\u0259\u011fi minimum \u0259m\u0259k haqq\u0131n\u0131n iki mislin\u0259d\u0259k olduqda v\u0259sait 2 saat, bu h\u0259ddi a\u015fd\u0131qda is\u0259 24 saat sonra hesaba oturacaqd\u0131r.
\nM\u0259rk\u0259zi Bank t\u0259r\u0259find\u0259n m\u0259saf\u0259d\u0259n kredit il\u0259 ba\u011fl\u0131 qada\u011falar\u0131n t\u0259tbiqi müsb\u0259t add\u0131m olsa da bel\u0259, bu daha çox \u0259n\u0259n\u0259vi yana\u015fmad\u0131r. Ayd\u0131nd\u0131r ki, bu qada\u011falar\u0131n t\u0259tbiqin\u0259 s\u0259b\u0259b m\u0259saf\u0259d\u0259n kredit r\u0259smill\u0259\u015fdirilm\u0259si ad\u0131 alt\u0131nda hakerl\u0259rin bir s\u0131ra hallarda v\u0259t\u0259nda\u015flar\u0131 aldadaraq v\u0259saitl\u0259rini m\u0259nims\u0259m\u0259sidir. 2024-2025-ci ill\u0259ri \u0259hat\u0259 ed\u0259n dövrd\u0259 kiberd\u0259l\u0259duzluq v\u0259 haker hücumlar\u0131 n\u0259tic\u0259sind\u0259 ümumilikd\u0259 22 milyon manatl\u0131q maliyy\u0259 o\u011furlu\u011fu ba\u015f verib v\u0259 17 min\u0259 yax\u0131n d\u0259l\u0259duzluq m\u0259qs\u0259dli bank kart\u0131 \u0259m\u0259liyyat\u0131 qeyd\u0259 al\u0131n\u0131b. Bütün bunlar, qada\u011falar il\u0259 yana\u015f\u0131 v\u0259 y\u0259qin ki, onlardan daha çox vacib olan t\u0259hlük\u0259sizlik sisteml\u0259rinin daha da gücl\u0259ndirilm\u0259sini aktualla\u015fd\u0131r\u0131b. Az\u0259rbaycan Kredit Bürosu üz\u0259rind\u0259n bu m\u0259s\u0259l\u0259 il\u0259 ba\u011fl\u0131 sor\u011fu yerl\u0259\u015fdir\u0259nl\u0259rin say\u0131n\u0131n çox olaca\u011f\u0131n\u0131 proqnozla\u015fd\u0131rmaq ç\u0259tindir. Bel\u0259 olan halda, qada\u011fa hüququndan istifad\u0259 ed\u0259c\u0259k v\u0259t\u0259nda\u015flar\u0131m\u0131z\u0131n statistikas\u0131 yeni qaydalar\u0131n hans\u0131 formada s\u0259m\u0259r\u0259li oldu\u011funu göst\u0259r\u0259c\u0259k".<\/p>\n

Deputat\u0131n sözlr\u0259in\u0259 gör\u0259, “Gözl\u0259m\u0259 müdd\u0259tinin” t\u0259tbiqi müsb\u0259t hal olsa da bel\u0259, daha m\u0259qs\u0259d\u0259uy\u011fun olard\u0131 m\u0259saf\u0259d\u0259n kreditl\u0259\u015fm\u0259d\u0259 tran\u015flar t\u0259tbiq olunsun:
\n"Minimum \u0259m\u0259k haqq\u0131n\u0131n iki misli b\u0259zi kreditl\u0259r üzr\u0259 çox az, b\u0259zil\u0259ri üçün is\u0259 kreditin \u0259h\u0259miyy\u0259tli hiss\u0259sidir. Bu bax\u0131mdan, daha m\u0259qs\u0259d\u0259uy\u011fun olard\u0131 ki, minimum \u0259m\u0259k haqq\u0131ndan çox olmamaq \u015f\u0259rti il\u0259 kredit m\u0259bl\u0259\u011finin 5 faizin\u0259d\u0259k ilkin tran\u015f aç\u0131ls\u0131n v\u0259 kredit götür\u0259n \u015f\u0259xs t\u0259r\u0259find\u0259n v\u0259saitin al\u0131nmas\u0131 t\u0259sdiq olunduqdan sonra bir sutka \u0259rzind\u0259 qalan m\u0259bl\u0259\u011f öd\u0259nilsin.
\nBütün bunlar il\u0259 yana\u015f\u0131, çox vacib m\u0259qamlardan biri d\u0259 maarifl\u0259ndirm\u0259dir. V\u0259t\u0259nda\u015flar aras\u0131nda maliyy\u0259 v\u0259 bank xidm\u0259tl\u0259ri il\u0259 ba\u011fl\u0131 maarifl\u0259ndirm\u0259 geni\u015fl\u0259nm\u0259yinc\u0259 hakerl\u0259r ist\u0259nil\u0259n imkanlardan yararlanma\u011fa çal\u0131\u015facaqlar. Maarifl\u0259ndirm\u0259 is\u0259 yaln\u0131z M\u0259rk\u0259zi Bank t\u0259r\u0259find\u0259n deyil, f\u0259rqli v\u0259 xüsus\u0259n d\u0259 müst\u0259qil steykholderl\u0259r t\u0259r\u0259find\u0259n h\u0259yata keçirilm\u0259lidir".<\/p>\n","protected":false},"excerpt":{"rendered":"

M\u0259rk\u0259zi Bank kredit riskl\u0259rinin idar\u0259 edilm\u0259si qaydalar\u0131na d\u0259yi\u015fiklik edib. Bankdan d\u0259yi\u015fiklikl\u0259ri m\u0259saf\u0259d\u0259n maliyy\u0259 xidm\u0259tl\u0259ri sah\u0259sind\u0259 riskl\u0259rin azald\u0131lmas\u0131 v\u0259 istehlakç\u0131lar\u0131n hüquqlar\u0131n\u0131n qorunmas\u0131n\u0131n gücl\u0259ndirilm\u0259si istiqam\u0259tind\u0259 normativ bazan\u0131n t\u0259kmill\u0259\u015fdirilm\u0259si il\u0259 \u0259laq\u0259l\u0259ndiribl\u0259r. Ucnoqta.az x\u0259b\u0259r…<\/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-245721","post","type-post","status-publish","format-standard","hentry","category-ekonomika"],"_links":{"self":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/245721","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=245721"}],"version-history":[{"count":0,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/245721\/revisions"}],"wp:attachment":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=245721"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=245721"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=245721"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}