{"id":260530,"date":"2026-09-28T09:24:11","date_gmt":"2026-09-28T05:24:11","guid":{"rendered":"https:\/\/ucnoqta.az\/?p=260530"},"modified":"2026-09-28T00:20:00","modified_gmt":"2026-09-27T20:20:00","slug":"boyuk-m%c9%99bl%c9%99gi-bir-bankda-saxlamaq-niy%c9%99-risklidir-mut%c9%99x%c9%99ssisl%c9%99rd%c9%99n-x%c9%99b%c9%99rdarliq","status":"publish","type":"post","link":"https:\/\/ucnoqta.az\/?p=260530","title":{"rendered":"B\u00f6y\u00fck m\u0259bl\u0259\u011fi bir bankda saxlamaq niy\u0259 risklidir? \u2013 M\u00fct\u0259x\u0259ssisl\u0259rd\u0259n x\u0259b\u0259rdarl\u0131q"},"content":{"rendered":"<p><strong>B\u00fct\u00fcn y\u0131\u011f\u0131mlar\u0131 yaln\u0131z bir bank hesab\u0131nda saxlamaq rahat g\u00f6r\u00fcns\u0259 d\u0259, bu yana\u015fma m\u00fc\u0259yy\u0259n maliyy\u0259 riskl\u0259ri yarada bil\u0259r. X\u00fcsusil\u0259 b\u00f6y\u00fck m\u0259bl\u0259\u011f toplayan \u015f\u0259xsl\u0259r bank \u0259man\u0259tl\u0259rin\u0259 t\u0259tbiq olunan d\u00f6vl\u0259t z\u0259man\u0259tinin limitini n\u0259z\u0259r\u0259 almal\u0131d\u0131rlar.<\/strong><\/p>\n<p>Ucnoqta.az x\u0259b\u0259r verir ki, maliyy\u0259 m\u00fct\u0259x\u0259ssisl\u0259ri y\u0131\u011f\u0131mlar\u0131 \u0259vv\u0259lc\u0259d\u0259n b\u00f6l\u00fc\u015fd\u00fcrm\u0259yi v\u0259 b\u00fct\u00fcn v\u0259saiti bir maliyy\u0259 qurumunda c\u0259ml\u0259m\u0259m\u0259yi t\u00f6vsiy\u0259 edirl\u0259r. Bu yana\u015fma \u0259man\u0259tl\u0259rin diversifikasiyas\u0131 adlan\u0131r.<br \/>\nBir hesabda n\u0259 q\u0259d\u0259r pul saxlamaq risklidir?<br \/>\nB\u00f6y\u00fck m\u0259bl\u0259\u011fi depozit\u0259 v\u0259 ya cari hesaba yerl\u0259\u015fdirm\u0259zd\u0259n \u0259vv\u0259l h\u0259min \u00f6lk\u0259d\u0259 bank \u0259man\u0259tl\u0259rin\u0259 t\u0259tbiq olunan d\u00f6vl\u0259t z\u0259man\u0259tinin aktual limitini \u00f6yr\u0259nm\u0259k vacibdir.<br \/>\n\u018fg\u0259r y\u0131\u011f\u0131lan v\u0259sait z\u0259man\u0259t m\u0259bl\u0259\u011fini a\u015f\u0131rsa, pulun bir hiss\u0259sini ba\u015fqa banka yerl\u0259\u015fdirm\u0259k m\u00fcmk\u00fcn variantlardan biridir. Bununla yana\u015f\u0131, bank\u0131n \u015f\u0259rtl\u0259ri, depozitin faiz d\u0259r\u0259c\u0259si, m\u00fcdd\u0259ti v\u0259 v\u0259saiti vaxt\u0131ndan \u0259vv\u0259l \u00e7\u0131xarma imkanlar\u0131 da n\u0259z\u0259r\u0259 al\u0131nmal\u0131d\u0131r.<br \/>\nB\u00f6y\u00fck k\u00f6\u00e7\u00fcrm\u0259l\u0259r niy\u0259 bank\u0131n diqq\u0259tini \u00e7\u0259k\u0259 bil\u0259r?<br \/>\nHesabda b\u00f6y\u00fck m\u0259bl\u0259\u011fin olmas\u0131 \u00f6zl\u00fcy\u00fcnd\u0259 problem deyil. Lakin qeyri-adi v\u0259 ya y\u00fcks\u0259k m\u0259bl\u0259\u011fli \u0259m\u0259liyyatlar maliyy\u0259 monitorinqi \u00e7\u0259r\u00e7iv\u0259sind\u0259 bank\u0131n \u0259lav\u0259 yoxlamas\u0131na s\u0259b\u0259b ola bil\u0259r.<br \/>\nM\u0259s\u0259l\u0259n, hesaba g\u00f6zl\u0259nilm\u0259d\u0259n b\u00f6y\u00fck m\u0259bl\u0259\u011f daxil olduqda bank v\u0259saitin m\u0259nb\u0259yini t\u0259sdiql\u0259y\u0259n s\u0259n\u0259dl\u0259r t\u0259l\u0259b ed\u0259 bil\u0259r. Buna g\u00f6r\u0259 d\u0259 pulun m\u0259n\u015f\u0259yini g\u00f6st\u0259r\u0259n s\u0259n\u0259dl\u0259ri saxlamaq t\u00f6vsiy\u0259 olunur.<br \/>\nBunlara alq\u0131-satq\u0131 m\u00fcqavil\u0259si, miras s\u0259n\u0259dl\u0259ri, g\u0259lirl\u0259ri t\u0259sdiql\u0259y\u0259n m\u0259lumatlar, bank \u00e7\u0131xar\u0131\u015flar\u0131 v\u0259 dig\u0259r m\u00fcvafiq s\u0259n\u0259dl\u0259r aid ola bil\u0259r.<br \/>\nB\u00f6y\u00fck y\u0131\u011f\u0131mlar\u0131 nec\u0259 b\u00f6l\u00fc\u015fd\u00fcrm\u0259k olar?<br \/>\nM\u00fct\u0259x\u0259ssisl\u0259r b\u00fct\u00fcn v\u0259saiti eyni yerd\u0259 saxlamama\u011f\u0131 m\u0259sl\u0259h\u0259t g\u00f6r\u00fcrl\u0259r. M\u0259s\u0259l\u0259n, pulun bir hiss\u0259si g\u00fcnd\u0259lik x\u0259rcl\u0259r \u00fc\u00e7\u00fcn cari hesabda, dig\u0259r hiss\u0259si depozitd\u0259 saxlan\u0131la, ayr\u0131ca is\u0259 maliyy\u0259 t\u0259hl\u00fck\u0259sizlik yast\u0131\u011f\u0131 yarad\u0131la bil\u0259r.<br \/>\nEhtiyat v\u0259sait g\u00f6zl\u0259m\u0259d\u0259n istifad\u0259 edil\u0259 bil\u0259c\u0259k formada olmal\u0131d\u0131r. Bu pul g\u0259lirin itirilm\u0259si, t\u0259cili t\u0259mir, m\u00fcalic\u0259 v\u0259 dig\u0259r g\u00f6zl\u0259nilm\u0259z x\u0259rcl\u0259r zaman\u0131 laz\u0131m ola bil\u0259r.<br \/>\nB\u00fct\u00fcn y\u0131\u011f\u0131mlar\u0131 evd\u0259 na\u011fd \u015f\u0259kild\u0259 saxlamaq da risklidir. Pul o\u011furlana, yan\u011f\u0131n zaman\u0131 m\u0259hv ola v\u0259 ya itiril\u0259 bil\u0259r. Bundan ba\u015fqa, na\u011fd v\u0259sait g\u0259lir g\u0259tirmir.<br \/>\nBu s\u0259b\u0259bd\u0259n b\u00f6y\u00fck m\u0259bl\u0259\u011fl\u0259rin saxlan\u0131lmas\u0131 zaman\u0131 \u0259sas m\u0259qs\u0259d b\u00fct\u00fcn v\u0259saiti bir yerd\u0259 toplamaq deyil, t\u0259hl\u00fck\u0259sizlik, g\u0259lirlilik v\u0259 pula \u00e7\u0131x\u0131\u015f imkanlar\u0131 aras\u0131nda balans yaratmaqd\u0131r.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>B\u00fct\u00fcn y\u0131\u011f\u0131mlar\u0131 yaln\u0131z bir bank hesab\u0131nda saxlamaq rahat g\u00f6r\u00fcns\u0259 d\u0259, bu yana\u015fma m\u00fc\u0259yy\u0259n maliyy\u0259 riskl\u0259ri yarada bil\u0259r. X\u00fcsusil\u0259 b\u00f6y\u00fck m\u0259bl\u0259\u011f toplayan \u015f\u0259xsl\u0259r bank \u0259man\u0259tl\u0259rin\u0259 t\u0259tbiq olunan d\u00f6vl\u0259t z\u0259man\u0259tinin limitini n\u0259z\u0259r\u0259&hellip;<\/p>\n","protected":false},"author":2,"featured_media":260531,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[34],"tags":[],"class_list":["post-260530","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-butun-xeberler"],"_links":{"self":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/260530","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=260530"}],"version-history":[{"count":0,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/260530\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/media\/260531"}],"wp:attachment":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=260530"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=260530"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=260530"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}