{"id":265408,"date":"2026-11-02T10:20:05","date_gmt":"2026-11-02T06:20:05","guid":{"rendered":"https:\/\/ucnoqta.az\/?p=265408"},"modified":"2026-11-02T10:20:05","modified_gmt":"2026-11-02T06:20:05","slug":"issiz-qalan-s%c9%99xsl%c9%99rin-kredit-borcunu-sigorta-sirk%c9%99ti-od%c9%99y%c9%99c%c9%99k","status":"publish","type":"post","link":"https:\/\/ucnoqta.az\/?p=265408","title":{"rendered":"\u0130\u015fsiz qalan \u015f\u0259xsl\u0259rin kredit borcunu s\u0131\u011forta \u015firk\u0259ti \u00f6d\u0259y\u0259c\u0259k"},"content":{"rendered":"<p><strong>&#8220;Az\u0259rbaycanda i\u015fsizlikd\u0259n s\u0131\u011forta t\u0259minat\u0131 ver\u0259n daha bir m\u0259hsul istifad\u0259y\u0259 veril\u0259c\u0259k. 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. M\u0259rk\u0259zi Bank t\u0259r\u0259find\u0259n art\u0131q qaydalar haz\u0131rlan\u0131b v\u0259 q\u0131sa m\u00fcdd\u0259td\u0259 t\u0259tbiqi g\u00f6zl\u0259nilir&#8221;.<\/strong><\/p>\n<p>Ucnoqta.az x\u0259b\u0259r verir ki, bunu iqtisad\u00e7\u0131 deputat V\u00fcqar Bayramov deyib. Deputat\u0131n s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, 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:<\/p>\n<p>&#8220;Yeni qaydalar is\u0259 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. 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.<\/p>\n<p>Yeni s\u0131\u011forta n\u00f6v\u00fc yaln\u0131z q\u00fcvv\u0259d\u0259 olan \u0259m\u0259k m\u00fcqavil\u0259si \u0259sas\u0131nda i\u015fl\u0259y\u0259n \u015f\u0259xsl\u0259r\u0259 \u015famil edil\u0259c\u0259k. Bu zaman \u015f\u0259rtl\u0259rin \u201c\u0130\u015fsizlikd\u0259n s\u0131\u011forta\u201d haqq\u0131nda Qanunun t\u0259l\u0259bl\u0259rin\u0259 uy\u011fun olaca\u011f\u0131 g\u00f6zl\u0259nilir. Banklardan kredit g\u00f6t\u00fcr\u0259n \u015f\u0259xsl\u0259r \u00fc\u00e7\u00fcn i\u015fsizlikd\u0259n s\u0131\u011fortan\u0131n m\u0259cburi \u015f\u0259kild\u0259 t\u0259klif edilm\u0259si planla\u015fd\u0131r\u0131l\u0131r. \u0130stehlak krediti g\u00f6t\u00fcr\u0259n \u015f\u0259xsl\u0259rin bu s\u0131\u011forta xidm\u0259tind\u0259n istifad\u0259 etm\u0259si k\u00f6n\u00fcll\u00fc olacaq, y\u0259ni m\u00fc\u015ft\u0259ri se\u00e7im etm\u0259kd\u0259 s\u0259rb\u0259stir. S\u0131\u011forta hadis\u0259si ba\u015f ver\u0259n zaman kreditin tam v\u0259 ya qism\u0259n \u015fi\u011forta \u015firk\u0259ti t\u0259r\u0259find\u0131n \u00f6d\u0259nilm\u0259si h\u0259yata ke\u00e7iril\u0259c\u0259k. Bu zaman qanunvericilikd\u0259 n\u0259z\u0259rd\u0259 tutulan s\u0131\u011forta hallar\u0131 n\u0259z\u0259r\u0259 al\u0131nacaq. \u0130\u015f yerinin l\u0259\u011fvi, \u015ftatlar\u0131n ixtisar olunmas\u0131, \u0259m\u0259k m\u00fcqavil\u0259sinin m\u00fcdd\u0259ti qurtarmas\u0131, m\u00fc\u0259ssis\u0259nin m\u00fclkiyy\u0259t\u00e7isinin d\u0259yi\u015fm\u0259si, \u0259vv\u0259ll\u0259r m\u00fcvafiq i\u015fd\u0259 \u00e7al\u0131\u015fan i\u015f\u00e7inin i\u015fin\u0259 b\u0259rpa edilm\u0259si bar\u0259d\u0259 m\u0259hk\u0259m\u0259nin qanuni q\u00fcvv\u0259y\u0259 minmi\u015f q\u0259tnam\u0259sinin olmas\u0131 v\u0259 s. s\u0131\u011forta hadis\u0259l\u0259ri siyah\u0131s\u0131ndad\u0131r.<\/p>\n<p>Ayd\u0131nd\u0131r 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. 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>M\u0259rk\u0259zi Bank\u0131n da son a\u00e7\u0131qlamalar\u0131 g\u00f6st\u0259rir ki, bu s\u0131\u011forta n\u00f6v\u00fc t\u0259tbiq olunan zaman banklar kreditl\u0259r \u00fczr\u0259 faizi azalmas\u0131na ged\u0259c\u0259kl\u0259r. \u00c7\u00fcnki, kredit riskl\u0259rinin s\u0131\u011fortalanmas\u0131 banklar\u0131n birba\u015fa v\u0259 el\u0259c\u0259 d\u0259 dolay\u0131 x\u0259rcl\u0259rinin azalmas\u0131na g\u0259tirib \u00e7\u0131xar\u0131r. Y\u0259ni, i\u015fsizlikd\u0259n s\u0131\u011fortan\u0131n t\u0259tbiq olundu\u011fu kreditin faizi d\u0259r\u0259c\u0259si adi kreditl\u0259rin faizind\u0259n a\u015fa\u011f\u0131 olacaq. Bu is\u0259 s\u00f6z\u00fcged\u0259n s\u0131\u011forta n\u00f6v\u00fcnd\u0259n istifad\u0259ni stimulla\u015fd\u0131racaq&#8221;.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&#8220;Az\u0259rbaycanda i\u015fsizlikd\u0259n s\u0131\u011forta t\u0259minat\u0131 ver\u0259n daha bir m\u0259hsul istifad\u0259y\u0259 veril\u0259c\u0259k. 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&hellip;<\/p>\n","protected":false},"author":2,"featured_media":265409,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[101,111],"tags":[],"class_list":["post-265408","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\/265408","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=265408"}],"version-history":[{"count":0,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/265408\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/media\/265409"}],"wp:attachment":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=265408"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=265408"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=265408"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}