{"id":251557,"date":"2026-07-27T10:42:02","date_gmt":"2026-07-27T06:42:02","guid":{"rendered":"https:\/\/ucnoqta.az\/?p=251557"},"modified":"2026-07-27T11:16:23","modified_gmt":"2026-07-27T07:16:23","slug":"qaytarila-bilm%c9%99y%c9%99n-kreditl%c9%99r-baglana-bil%c9%99rmi-aciqlama","status":"publish","type":"post","link":"https:\/\/ucnoqta.az\/?p=251557","title":{"rendered":"Qaytar\u0131la bilm\u0259y\u0259n kreditl\u0259r ba\u011flana bil\u0259rmi? &#8211; A\u00c7IQLAMA"},"content":{"rendered":"<p><strong>Az\u0259rbaycanda i\u015fsizlikd\u0259n s\u0131\u011forta t\u0259minat\u0131 ver\u0259n daha bir m\u0259hsul haz\u0131rlan\u0131r. Kredit riskl\u0259rinin s\u0131\u011fortalanmas\u0131 t\u0259sdiq olunacaq qaydalarda n\u0259z\u0259rd\u0259 tutulan hallar ba\u015f ver\u0259n zaman \u00f6d\u0259nil\u0259 bilm\u0259y\u0259n borcun \u00fc\u00e7\u00fcnc\u00fc t\u0259r\u0259fin v\u0259saiti hesab\u0131na ba\u011flanmas\u0131 n\u0259z\u0259rd\u0259 tutulacaq.<\/strong><\/p>\n<p>Ucnoqta.az x\u0259b\u0259r verir ki, bu s\u00f6zl\u0259ri mill\u0259t v\u0259kili V\u00fcqar Bayramov bildirib. Deputat bildirir ki, borcalanlar\u0131n h\u0259yat\u0131, \u00f6l\u00fcm\u00fc v\u0259 \u0259m\u0259k qabiliyy\u0259tinin itirilm\u0259si hallar\u0131ndan s\u0131\u011fortalanmas\u0131 art\u0131q t\u0259tbiq olunur v\u0259 bu M\u0259rk\u0259zi Bank\u0131n qaydalar\u0131 il\u0259 t\u0259nziml\u0259nir:<br \/>\n&#8220;Haz\u0131rlanan yeni qaydalar birba\u015fa kredit g\u00f6t\u00fcr\u0259n \u015f\u0259xsl\u0259rin i\u015fsiz qalma riskind\u0259n s\u0131\u011fortalanmas\u0131n\u0131 n\u0259z\u0259rd\u0259 tutur.<\/p>\n<p>B\u0259zi hallarda v\u0259t\u0259nda\u015flar\u0131m\u0131z kredit g\u00f6t\u00fcr\u00fcrl\u0259r, amma onlardan as\u0131l\u0131 olmayan s\u0259b\u0259bd\u0259n h\u0259min kreditin \u00f6d\u0259nilm\u0259sind\u0259 \u00e7\u0259tinlik yaran\u0131r. V\u0259t\u0259nda\u015f\u0131m\u0131z\u0131n i\u015f yeri ba\u011flan\u0131r v\u0259 ya i\u015fd\u0259n azad olunur, v\u0259 yaxud bir s\u0131ra dig\u0259r birba\u015fa onun \u00f6z\u00fcnd\u0259n as\u0131l\u0131 olmayan hallar ba\u015f verir v\u0259 n\u0259tic\u0259d\u0259 h\u0259min kreditin geri qaytar\u0131lmas\u0131nda \u00e7\u0259tinlik yaran\u0131r. Kreditin v\u0259 ya kredit riskinin s\u0131\u011fortalanmas\u0131 bel\u0259 hallar ba\u015f ver\u0259n zaman \u00f6hd\u0259liyin s\u0131\u011forta \u015firk\u0259ti t\u0259r\u0259find\u0259n \u00f6d\u0259nilm\u0259sin\u0259 imkan ver\u0259c\u0259k. Kredit riskl\u0259rinin s\u0131\u011fortalanmas\u0131 h\u0259m v\u0259t\u0259nda\u015flar\u0131 maliyy\u0259 bax\u0131m\u0131ndan qoruyacaq, h\u0259m d\u0259 banklar\u0131n riskl\u0259rini azaldacaq&#8221;.<\/p>\n<p>V\u00fcqar Bayramov qeyd edir ki, burada \u0259sas m\u0259qamlardan biri bu s\u0131\u011forta n\u00f6v\u00fcn\u00fcn t\u0259tbiq edil\u0259c\u0259yi halda kredit g\u00f6t\u00fcr\u0259n \u015f\u0259xsin x\u0259rci il\u0259 ba\u011fl\u0131d\u0131r:<br \/>\n&#8220;Bel\u0259 ki, s\u0131\u011fortadan istifad\u0259 etm\u0259k kredit g\u00f6t\u00fcr\u0259n \u00fc\u00e7\u00fcn \u0259lav\u0259 x\u0259rc dem\u0259kdir v\u0259 yaln\u0131z s\u0131\u011forta \u00f6d\u0259ni\u015fl\u0259ri h\u0259yata ke\u00e7irildiyi halda s\u0131\u011forta hadis\u0259si ba\u015f ver\u0259n zaman \u00f6hd\u0259likl\u0259r qar\u015f\u0131lana bil\u0259r. Bu, kredit g\u00f6t\u00fcr\u0259n \u015f\u0259xsl\u0259rin m\u0259\u015f\u011fullu\u011funu itirm\u0259 hallar\u0131nda s\u0131\u011fortalanmas\u0131yla yana\u015f\u0131, kreditin x\u0259rc stukturunun d\u0259yi\u015fm\u0259si, onlar\u0131n kredit \u00f6d\u0259ni\u015fl\u0259rinin s\u0131\u011forta t\u0259r\u0259find\u0259n qar\u015f\u0131lanmas\u0131, \u00f6hd\u0259likl\u0259rin kredit g\u00f6t\u00fcr\u0259n v\u0259 bank aras\u0131nda b\u00f6l\u00fc\u015fd\u00fcr\u00fclm\u0259si v\u0259 el\u0259c\u0259 d\u0259 m\u0259\u015f\u011fullu\u011fun itirilm\u0259si riskin\u0259 qar\u015f\u0131 s\u0131\u011fortan\u0131n t\u0259tbiqinin kredit bazar\u0131na t\u0259sirinin qiym\u0259tl\u0259ndirilm\u0259sini d\u0259 aktualla\u015fd\u0131r\u0131r.<\/p>\n<p>Az\u0259rbaycanda kredit faizl\u0259rinin y\u00fcks\u0259k oldu\u011funu n\u0259z\u0259r\u0259 alsaq, banklar m\u00fc\u0259yy\u0259n faiz azalmalar\u0131na getm\u0259kl\u0259 bu s\u0131\u011forta n\u00f6v\u00fcn\u00fcn t\u0259tbiqi hal\u0131nda kredit x\u0259rcl\u0259rind\u0259ki art\u0131m\u0131 kompensasiya ed\u0259 bil\u0259rl\u0259r. Bu halda kredit g\u00f6t\u00fcr\u0259n \u00fc\u00e7\u00fcn ciddi x\u0259rc yaratmadan bu s\u0131\u011forta n\u00f6v\u00fcn\u00fcn t\u0259tbiqi m\u00fcmk\u00fcnd\u00fcr.<\/p>\n<p>B\u00fct\u00fcn hallarda, kredit riskl\u0259rinin s\u0131\u011fortalanmas\u0131 il\u0259 ba\u011fl\u0131 yeni qaydalar\u0131n daha q\u0131sa zamanda t\u0259sdiqi m\u0259qs\u0259d\u0259uy\u011fun olard\u0131 v\u0259 bu bank sektorunda m\u00fct\u0259r\u0259qqi d\u0259yi\u015fiklik olmaqla yana\u015f\u0131, banklar\u0131n da riskl\u0259rini azalda bil\u0259r&#8221;.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Az\u0259rbaycanda i\u015fsizlikd\u0259n s\u0131\u011forta t\u0259minat\u0131 ver\u0259n daha bir m\u0259hsul haz\u0131rlan\u0131r. Kredit riskl\u0259rinin s\u0131\u011fortalanmas\u0131 t\u0259sdiq olunacaq qaydalarda n\u0259z\u0259rd\u0259 tutulan hallar ba\u015f ver\u0259n zaman \u00f6d\u0259nil\u0259 bilm\u0259y\u0259n borcun \u00fc\u00e7\u00fcnc\u00fc t\u0259r\u0259fin v\u0259saiti hesab\u0131na ba\u011flanmas\u0131 n\u0259z\u0259rd\u0259&hellip;<\/p>\n","protected":false},"author":2,"featured_media":251558,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"categories":[88,111],"tags":[],"class_list":["post-251557","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomika","category-manset"],"_links":{"self":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/251557","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\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=251557"}],"version-history":[{"count":0,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/251557\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/media\/251558"}],"wp:attachment":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=251557"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=251557"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=251557"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}