{"id":38437,"date":"2016-10-04T14:14:55","date_gmt":"2016-10-04T10:14:55","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=38437","title":{"rendered":"Az\u0259rbaycanda kredit faizl\u0259ri a\u015fa\u011f\u0131 sal\u0131nacaq<\/b><\/font>"},"content":{"rendered":"

X\u0259b\u0259r verdiyimiz kimi, Az\u0259rbaycanda kredit bürolar\u0131 yarad\u0131lacaq. Bu bar\u0259d\u0259 "Kredit bürolar\u0131 haqq\u0131nda" qanun layih\u0259sind\u0259 n\u0259z\u0259rd\u0259 tutulub. Milli M\u0259clisin ilk plenar iclas\u0131nda layih\u0259 müzakir\u0259y\u0259 ç\u0131xar\u0131l\u0131b. Bildirilib ki, problemli kreditl\u0259rin h\u0259cminin artmamas\u0131 v\u0259 maliyy\u0259-kredit sistemind\u0259 dayan\u0131ql\u0131\u011f\u0131n t\u0259min olunmas\u0131 üçün kredit bürolar\u0131n\u0131n yarad\u0131lmas\u0131na ehtiyac var. <\/span>Kredit bürolar\u0131n\u0131n yarad\u0131lmas\u0131 banklar\u0131n riskl\u0259rini azaldacaq. Ad\u0131ç\u0259kil\u0259n qanun layih\u0259si müzakir\u0259l\u0259rd\u0259n sonra I oxunu\u015fda q\u0259bul edilib. <\/span><\/p>\n

Kredit bürolar\u0131n\u0131n yarad\u0131lmas\u0131 maliyy\u0259 sektoruna nec\u0259 t\u0259sir ed\u0259c\u0259k?<\/span><\/p>\n

Milli M\u0259clisin \u0130qtisadi siyas\u0259t, s\u0259naye v\u0259 sahibkarl\u0131q komit\u0259sinin üzvü, mill\u0259t v\u0259kili Tahir Mirki\u015fili azvision.az-a deyib ki, Az\u0259rbaycanda kredit bürolar\u0131n\u0131n yarad\u0131lmas\u0131 kredit faizl\u0259rinin a\u015fa\u011f\u0131 dü\u015fm\u0259sin\u0259 s\u0259b\u0259b olacaq.<\/span><\/p>\n

Deputat vur\u011fulay\u0131b ki, dünyan\u0131n \u0259ks\u0259r ölk\u0259l\u0259rind\u0259 kreditorlar kredit bürolar\u0131 vasit\u0259sil\u0259 borc alanlar\u0131n öd\u0259m\u0259 qabiliyy\u0259ti haqda informasiya \u0259ld\u0259 edir v\u0259 mübadil\u0259 apar\u0131rlar: "Buna z\u0259rur\u0259t Maliyy\u0259 bazarlar\u0131nda asimmetrik (düzgün olmayan) informasiya probleml\u0259rini ara\u015fd\u0131ran çoxsayl\u0131 iqtisadç\u0131lar t\u0259r\u0259find\u0259n sübut olunub. Asimmetrik informasiya problemi maliyy\u0259 bazarlar\u0131nda kredit faizl\u0259rinin qalxmas\u0131na, kredit resurslar\u0131n\u0131n effektiv bölü\u015fdürülm\u0259m\u0259sin\u0259 g\u0259tirib ç\u0131xard\u0131r. Asimmetrik informasiya problemi dig\u0259r mühüm bir problemi – \u018flveri\u015fsiz Seçim problemini yarad\u0131r.<\/span><\/p>\n

Y\u0259ni, banklar, dem\u0259k olar ki, h\u0259r k\u0259s\u0259 eyni kredit faizi t\u0259tbiq edir. Bu probleml\u0259rin ham\u0131s\u0131 Az\u0259rbaycan\u0131n kredit bazar\u0131nda mü\u015fahid\u0259 olunmaqdad\u0131r. Kredit faizl\u0259ri yüks\u0259k, banklar\u0131n kredit resurslar\u0131 qeyri-effektiv bölü\u015fdürülüb, sa\u011flam v\u0259 qeyri-sa\u011flam kredit sahibl\u0259rin\u0259 eyni \u015f\u0259rtl\u0259r t\u0259tbiq olunub".<\/span><\/p>\n

Deputat\u0131n fikrinc\u0259, dünya iqtisadç\u0131lar\u0131 bel\u0259 bir q\u0259na\u0259t\u0259 g\u0259libl\u0259r ki, iqtisadiyyat\u0131n effektiv inki\u015faf\u0131 informasiya aç\u0131ql\u0131\u011f\u0131 v\u0259 \u015f\u0259ffafl\u0131\u011f\u0131 olmadan mümkün deyil: "Bunu \u0130taliyada yerl\u0259\u015f\u0259n \u0130qtisadiyyat v\u0259 maliyy\u0259 sah\u0259sind\u0259 t\u0259dqiqatlar m\u0259rk\u0259zinin (Center for Studies in Economics and Finance) apard\u0131\u011f\u0131 t\u0259dqiqatlar bir daha sübut edir. Kreditl\u0259\u015fm\u0259nin h\u0259cmini v\u0259 effektivliyinin xarakteriz\u0259 ed\u0259n bir çox göst\u0259ricil\u0259ri seç\u0259r\u0259k v\u0259 onlar\u0131 40 ölk\u0259 üzr\u0259 qrupla\u015fd\u0131raraq m\u0259rk\u0259zin müt\u0259x\u0259ssisl\u0259ri çox maraql\u0131 m\u0259lumatlar \u0259ld\u0259 edibl\u0259r. T\u0259dqiqatlar göst\u0259rir ki, informasiya mübadil\u0259sinin olmad\u0131\u011f\u0131 ölk\u0259l\u0259rd\u0259 bank kreditl\u0259rinin ÜDM-\u0259 nisb\u0259ti 31% i keçmir. \u0130nformasiya mübadil\u0259sinin mövcud oldu\u011fu ölk\u0259l\u0259rd\u0259 is\u0259 bank kreditl\u0259rin ÜDM-in 67%-n\u0259 q\u0259d\u0259r yüks\u0259lir. \u0130nformasiya mübadil\u0259sinin aç\u0131q olmad\u0131\u011f\u0131 ölk\u0259l\u0259rd\u0259 kredit riskl\u0259ri 15%, kredit itkil\u0259ri is\u0259 ümümi kredit h\u0259cminin 1.31% ni t\u0259\u015fkil edir. <\/span><\/p>\n

Tam t\u0259rsin\u0259, informasiya mübadil\u0259sinin aç\u0131q oldu\u011fu ölk\u0259l\u0259rd\u0259 is\u0259 bu r\u0259q\u0259ml\u0259r müvafiq olaraq 5% v\u0259 0. Mü\u0259yy\u0259n edilib ki, kredit bürolar\u0131n\u0131n s\u0259m\u0259r\u0259li f\u0259aliyy\u0259ti bank kreditl\u0259rinin ÜDM-\u0259 nisb\u0259td\u0259 20%-\u0259 q\u0259d\u0259r art\u0131m\u0131n\u0131 t\u0259min edir. Bundan ba\u015fqa Kredit riskinin s\u0259viyy\u0259si xeyli azal\u0131r, ümumi kreditl\u0259\u015fm\u0259y\u0259 nisb\u0259td\u0259 mümkün itkil\u0259rin pay\u0131 azal\u0131r".<\/span><\/p>\n

T.Mirki\u015fili vur\u011fulay\u0131b ki, maliyy\u0259 bazarlar\u0131nda informasiyan\u0131n \u0259lçatanl\u0131q s\u0259viyy\u0259sinin ar\u0131t\u0131r\u0131lmas\u0131 kreditl\u0259\u015fm\u0259nin effektivliyin\u0259 müsb\u0259t t\u0259sir edir: "Bu da n\u0259tic\u0259d\u0259, ÜDM-in v\u0259 \u0259m\u0259k m\u0259hsuldarl\u0131\u011f\u0131n\u0131n art\u0131m\u0131na s\u0259b\u0259b olur. Bu bax\u0131mdan Az\u0259rbaycanda da kredit bürolar\u0131n\u0131n yarad\u0131lmas\u0131 kredit faizl\u0259rinin a\u015fa\u011f\u0131 dü\u015fm\u0259sin\u0259, effektiv kreditl\u0259\u015fm\u0259y\u0259 v\u0259 dolay\u0131s\u0131 il\u0259 d\u0259 iqtisadiyyatda kreditl\u0259\u015fm\u0259nin h\u0259cminin artmas\u0131na g\u0259tirib ç\u0131xardacaq".<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

X\u0259b\u0259r verdiyimiz kimi, Az\u0259rbaycanda kredit bürolar\u0131 yarad\u0131lacaq. Bu bar\u0259d\u0259 "Kredit bürolar\u0131 haqq\u0131nda" qanun layih\u0259sind\u0259 n\u0259z\u0259rd\u0259 tutulub. Milli M\u0259clisin ilk plenar iclas\u0131nda layih\u0259 müzakir\u0259y\u0259 ç\u0131xar\u0131l\u0131b. Bildirilib ki, problemli kreditl\u0259rin h\u0259cminin artmamas\u0131…<\/p>\n","protected":false},"author":1,"featured_media":251278,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[88],"tags":[],"class_list":["post-38437","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomika"],"_links":{"self":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/38437","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=38437"}],"version-history":[{"count":0,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/38437\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/media\/251278"}],"wp:attachment":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=38437"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=38437"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=38437"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}