{"id":257822,"date":"2026-09-08T15:21:12","date_gmt":"2026-09-08T11:21:12","guid":{"rendered":"https:\/\/ucnoqta.az\/?p=257822"},"modified":"2026-09-08T15:22:51","modified_gmt":"2026-09-08T11:22:51","slug":"ali-m%c9%99hk%c9%99m%c9%99d%c9%99n-onlayn-kreditl%c9%99rl%c9%99-bagli-muhum-x%c9%99b%c9%99rdarliq","status":"publish","type":"post","link":"https:\/\/ucnoqta.az\/?p=257822","title":{"rendered":"Ali M\u0259hk\u0259m\u0259d\u0259n onlayn kreditl\u0259rl\u0259 ba\u011fl\u0131 m\u00fch\u00fcm x\u0259b\u0259rdarl\u0131q<\/span>"},"content":{"rendered":"

Ali M\u0259hk\u0259m\u0259 v\u0259t\u0259nda\u015f\u0131n x\u0259b\u0259ri olmadan r\u0259smil\u0259\u015fdiril\u0259n onlayn kreditl\u0259rl\u0259 ba\u011fl\u0131 h\u00fcquqi izah verib.<\/strong><\/p>\n

M\u0259hk\u0259m\u0259d\u0259n Ucnoqta.az-a veril\u0259n x\u0259b\u0259r\u0259 g\u00f6r\u0259, izahda onlayn kreditd\u0259n istifad\u0259 zaman\u0131 n\u0259l\u0259r\u0259 diqq\u0259t edilm\u0259li oldu\u011fu vur\u011fulan\u0131b, v\u0259t\u0259nda\u015flara t\u00f6vsiy\u0259l\u0259r verilib.<\/p>\n

Bildirilib ki, son ill\u0259rd\u0259 bank xidm\u0259tl\u0259rinin r\u0259q\u0259msalla\u015fmas\u0131 n\u0259tic\u0259sind\u0259 onlayn kreditl\u0259rin verilm\u0259si geni\u015f yay\u0131lm\u0131\u015fd\u0131r. Bu xidm\u0259t v\u0259t\u0259nda\u015flara banka getm\u0259d\u0259n q\u0131sa m\u00fcdd\u0259td\u0259 kredit almaq imkan\u0131 yaratsa da, eyni zamanda yeni h\u00fcquqi riskl\u0259r d\u0259 meydana \u00e7\u0131xar\u0131b:<\/p>\n

“Az\u0259rbaycan qanunvericiliyi banklara m\u0259saf\u0259d\u0259n bank hesab\u0131 a\u00e7ma\u011fa v\u0259 kredit m\u00fcqavil\u0259si ba\u011flama\u011fa imkan verir. M\u0259rk\u0259zi Bank\u0131n t\u0259sdiq etdiyi qaydalara \u0259sas\u0259n, banklar onlayn xidm\u0259t g\u00f6st\u0259r\u0259rk\u0259n g\u00fccl\u0259ndirilmi\u015f elektron imza, videoz\u0259ng, video\u00e7\u0259kili\u015f, \u00fcz tan\u0131nmas\u0131, bird\u0259f\u0259lik t\u0259sdiq kodu (OTP) v\u0259 dig\u0259r identifikasiya vasit\u0259l\u0259rind\u0259n istifad\u0259 ed\u0259 bil\u0259rl\u0259r.<\/p>\n

Son d\u00f6vrl\u0259rd\u0259 m\u0259hk\u0259m\u0259l\u0259rd\u0259 rast g\u0259lin\u0259n m\u00fcbahis\u0259l\u0259r g\u00f6st\u0259rir ki, b\u0259zi hallarda \u00fc\u00e7\u00fcnc\u00fc \u015f\u0259xsl\u0259r v\u0259t\u0259nda\u015flar\u0131n f\u0259rdi m\u0259lumatlar\u0131n\u0131 \u0259ld\u0259 ed\u0259r\u0259k onlar\u0131n ad\u0131ndan onlayn kredit r\u0259smil\u0259\u015fdirir v\u0259 kredit v\u0259saitini \u00f6z hesablar\u0131na k\u00f6\u00e7\u00fcr\u00fcrl\u0259r.<\/p>\n

T\u0259cr\u00fcb\u0259d\u0259n g\u00f6r\u00fcn\u00fcr ki, b\u0259z\u0259n v\u0259t\u0259nda\u015flar \u00f6zl\u0259ri mobil telefonlar\u0131na g\u00f6nd\u0259ril\u0259n bird\u0259f\u0259lik t\u0259sdiq kodlar\u0131n\u0131 (OTP), bank t\u0259tbiqin\u0259 giri\u015f m\u0259lumatlar\u0131n\u0131 v\u0259 ya \u00fcz tan\u0131nmas\u0131 prosesini dig\u0259r \u015f\u0259xsl\u0259rl\u0259 payla\u015f\u0131rlar. Bu is\u0259 onlara qar\u015f\u0131 d\u0259l\u0259duzluq hallar\u0131n\u0131n ba\u015f verm\u0259sin\u0259 \u015f\u0259rait yarad\u0131r.<\/p>\n

Bir \u00e7ox \u015f\u0259xs hesab edir ki, d\u0259l\u0259duzlu\u011fun qurban\u0131 oldu\u011fu \u00fc\u00e7\u00fcn kredit borcuna g\u00f6r\u0259 he\u00e7 bir h\u00fcquqi m\u0259suliyy\u0259t da\u015f\u0131m\u0131r. Lakin h\u00fcquqi bax\u0131mdan m\u0259s\u0259l\u0259 bir q\u0259d\u0259r f\u0259rqlidir. Bel\u0259 ki, v\u0259t\u0259nda\u015flar \u00f6zl\u0259ri d\u0259 f\u0259rdi m\u0259lumatlar\u0131n\u0131n qorunmas\u0131na g\u00f6r\u0259 m\u0259suliyy\u0259t da\u015f\u0131y\u0131rlar. M\u0259s\u0259l\u0259n, h\u0259r bir \u015f\u0259xs FIN kodunu, \u015f\u0259xsiyy\u0259t v\u0259siq\u0259sini v\u0259 ya onun sur\u0259tini, SMS t\u0259sdiq kodlar\u0131n\u0131, bank t\u0259tbiqin\u0259 giri\u015f m\u0259lumatlar\u0131n\u0131, biometrik m\u0259lumatlar\u0131n\u0131 (\u00fcz tan\u0131nmas\u0131, barmaq izi v\u0259 s.) ba\u015fqalar\u0131na t\u0259qdim etm\u0259m\u0259li v\u0259 onlar\u0131n t\u0259hl\u00fck\u0259sizliyini t\u0259min etm\u0259lidir”.<\/p>\n

\u0130zahda v\u0259t\u0259nda\u015flara a\u015fa\u011f\u0131dak\u0131 t\u00f6vsiy\u0259l\u0259r verilib:<\/p>\n

FIN kodunuzu, \u015f\u0259xsiyy\u0259t v\u0259siq\u0259nizi v\u0259 ya onun sur\u0259tini nam\u0259lum \u015f\u0259xsl\u0259r\u0259 verm\u0259yin;<\/p>\n

Biometrik m\u0259lumatlar\u0131n\u0131z\u0131n t\u0259hl\u00fck\u0259sizliyini t\u0259min edin;<\/p>\n

SMS t\u0259sdiq kodlar\u0131n\u0131 he\u00e7 kiml\u0259 payla\u015fmay\u0131n;<\/p>\n

Telefonunuza g\u0259l\u0259n bank bildiri\u015fl\u0259rini daim izl\u0259yin;<\/p>\n

Mobil n\u00f6mr\u0259nizi d\u0259yi\u015fdikd\u0259 bunu banka d\u0259rhal bildirin;<\/p>\n

\u015e\u00fcbh\u0259li z\u0259ng v\u0259 mesajlara etibar etm\u0259yin;<\/p>\n

Bank hesablar\u0131n\u0131z\u0131 m\u00fct\u0259madi yoxlay\u0131n;<\/p>\n

X\u0259b\u0259riniz olmadan ad\u0131n\u0131za kredit r\u0259smil\u0259\u015fdirildiyi halda d\u0259rhal banka v\u0259 h\u00fcquq-m\u00fchafiz\u0259 orqanlar\u0131na m\u00fcraci\u0259t edin.<\/p>\n

Vur\u011fulan\u0131b ki, onlayn kredit xidm\u0259tl\u0259ri m\u00fcasir bank\u00e7\u0131l\u0131\u011f\u0131n ayr\u0131lmaz hiss\u0259sidir. Bu xidm\u0259tl\u0259r h\u0259m banklardan y\u00fcks\u0259k t\u0259hl\u00fck\u0259sizlik standartlar\u0131 t\u0259l\u0259b edir, h\u0259m d\u0259 v\u0259t\u0259nda\u015flar\u0131n f\u0259rdi m\u0259lumatlar\u0131n\u0131n qorunmas\u0131na diqq\u0259tli yana\u015fmas\u0131n\u0131 z\u0259ruri edir:<\/p>\n

“M\u0259hk\u0259m\u0259 t\u0259cr\u00fcb\u0259si g\u00f6st\u0259rir ki, t\u0259kc\u0259 d\u0259l\u0259duzluq fakt\u0131n\u0131n m\u00f6vcudlu\u011fu kredit m\u00fcqavil\u0259sinin etibars\u0131z say\u0131lmas\u0131 \u00fc\u00e7\u00fcn kifay\u0259t etmir. M\u0259hk\u0259m\u0259 h\u0259r bir konkret i\u015f \u00fczr\u0259 bank\u0131n davran\u0131\u015f\u0131n\u0131, qanunvericiliy\u0259 \u0259m\u0259l edib-etm\u0259diyini, v\u0259t\u0259nda\u015f\u0131n \u00f6z h\u0259r\u0259k\u0259tl\u0259rini v\u0259 t\u0259qdim olunan b\u00fct\u00fcn s\u00fcbutlar\u0131 birlikd\u0259 qiym\u0259tl\u0259ndirir”.<\/p>\n","protected":false},"excerpt":{"rendered":"

Ali M\u0259hk\u0259m\u0259 v\u0259t\u0259nda\u015f\u0131n x\u0259b\u0259ri olmadan r\u0259smil\u0259\u015fdiril\u0259n onlayn kreditl\u0259rl\u0259 ba\u011fl\u0131 h\u00fcquqi izah verib. M\u0259hk\u0259m\u0259d\u0259n Ucnoqta.az-a veril\u0259n x\u0259b\u0259r\u0259 g\u00f6r\u0259, izahda onlayn kreditd\u0259n istifad\u0259 zaman\u0131 n\u0259l\u0259r\u0259 diqq\u0259t edilm\u0259li oldu\u011fu vur\u011fulan\u0131b, v\u0259t\u0259nda\u015flara t\u00f6vsiy\u0259l\u0259r verilib.…<\/p>\n","protected":false},"author":2,"featured_media":257823,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"categories":[101,111],"tags":[],"class_list":["post-257822","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cemiyyet","category-manset"],"_links":{"self":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/257822","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=257822"}],"version-history":[{"count":0,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/257822\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/media\/257823"}],"wp:attachment":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=257822"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=257822"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=257822"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}