{"id":41158,"date":"2016-12-07T12:20:09","date_gmt":"2016-12-07T08:20:09","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=41158","title":{"rendered":"Banklar k\u00fctl\u0259vi \u015f\u0259kild\u0259 m\u0259hk\u0259m\u0259y\u0259 m\u00fcraci\u0259t edir<\/font> \u2013 Borca g\u00f6r\u0259<\/font><\/b>"},"content":{"rendered":"

Ölk\u0259 banklar\u0131n\u0131n durumu pisl\u0259\u015fs\u0259 d\u0259, son ümid kimi v\u0259t\u0259nda\u015flara h\u0259d\u0259-qorxunu seçibl\u0259r. Üst\u0259lik, banklar v\u0259t\u0259nda\u015flar\u0131 kütl\u0259vi \u015f\u0259kild\u0259 m\u0259hk\u0259m\u0259y\u0259 ver\u0259r\u0259k öd\u0259nilm\u0259y\u0259n kreditl\u0259rini t\u0259l\u0259b edirl\u0259r. Ucnoqta.az x\u0259b\u0259r verir ki, bu haqda m\u0259lumat\u0131 “yeni müsavat” yay\u0131b. Q\u0259zet yaz\u0131r ki, bu tendensiya bir müdd\u0259t s\u0259ngis\u0259 d\u0259, yenid\u0259n mü\u015fahid\u0259 olunur. Ekspertl\u0259r is\u0259 bildirirl\u0259r ki, banklar\u0131n m\u0259hk\u0259m\u0259y\u0259 müraci\u0259ti ç\u0131x\u0131\u015f yolu deyil. Bu, onsuz da banklar\u0131n pisl\u0259\u015f\u0259n durumuna köm\u0259k etm\u0259y\u0259c\u0259k.<\/span><\/p>\n

Ekspert Natiq C\u0259f\u0259rli m\u0259s\u0259l\u0259 il\u0259 ba\u011fl\u0131 q\u0259zet\u0259 bildirib ki, \u0259slind\u0259 \u0259halinin kifay\u0259t q\u0259d\u0259r böyük sayda kredit borcu var: “Ümumi kredit borcu olanlar\u0131n say\u0131 2 milyon 300 min n\u0259f\u0259r\u0259 yax\u0131nd\u0131r. Bunun da böyük \u0259ks\u0259riyy\u0259ti problemli kreditl\u0259r kateqoriyas\u0131na daxil olma\u011fa ba\u015flay\u0131b.<\/p>\n

Çünki insanlar\u0131n g\u0259lirl\u0259ri azal\u0131b, i\u015f yerl\u0259rini itiribl\u0259r, kreditl\u0259ri öd\u0259m\u0259k qabiliyy\u0259ti a\u015fa\u011f\u0131 dü\u015füb. Dü\u015fünmür\u0259m ki, yüz minl\u0259rl\u0259 insan\u0131 m\u0259hk\u0259m\u0259l\u0259r vasit\u0259sil\u0259 m\u0259suliyy\u0259t\u0259 c\u0259lb etm\u0259k, yaxud h\u0259bs etm\u0259k, h\u0259r hans\u0131 bir q\u0259rarlarla yüz minl\u0259rl\u0259 insan\u0131 banklara uduzdurmaq mümkün olacaq. Bu, mümkün olmayacaq. Günün birind\u0259 hökum\u0259t orqanlar\u0131, dövl\u0259t orqanlar\u0131, m\u0259hk\u0259m\u0259 sistemi d\u0259 anlayacaq ki, bu q\u0259d\u0259r insana m\u0259hk\u0259m\u0259 vasit\u0259sil\u0259 h\u0259r hans\u0131 t\u0259zyiq göst\u0259rm\u0259k mümkünsüzdür.<\/p>\n

Çünki bu d\u0259qiq\u0259 ist\u0259nil\u0259n rayon m\u0259hk\u0259m\u0259sin\u0259 z\u0259ng ets\u0259k, gör\u0259rik ki, banklarla ba\u011fl\u0131 i\u015fl\u0259r çoxluq v\u0259 \u0259ks\u0259riyy\u0259t t\u0259\u015fkil edir. B\u0259zi bank i\u015fl\u0259ri kreditl\u0259rl\u0259 ba\u011fl\u0131d\u0131r, getdikc\u0259 d\u0259 art\u0131r. Bir müdd\u0259t sonra banklar\u0131n, hakiml\u0259rin bu tipli i\u015fl\u0259r\u0259 baxma\u011fa fiziki imkan\u0131 da olmayacaq. Onsuz da \u0259vv\u0259l-ax\u0131r ciddi siyasi q\u0259rar olmal\u0131d\u0131r, hökum\u0259t buna m\u0259cburdur. Amma vaxt uzand\u0131qca, hökum\u0259t t\u0259r\u0259find\u0259n m\u0259s\u0259l\u0259nin h\u0259lli uzad\u0131ld\u0131qca, problemli kreditl\u0259rin h\u0259cmi art\u0131r, h\u0259m bank sektorunun g\u0259liri azal\u0131r, h\u0259m d\u0259 i\u015fl\u0259m\u0259 qabiliyy\u0259tini itirir. Çünki kreditl\u0259rini geri ala bilmir, g\u0259liri azal\u0131r v\u0259 növb\u0259ti kredit x\u0259tl\u0259ri açma\u011fa imkanlar\u0131 tük\u0259nir”.<\/p>\n

Ekspert \u018fkr\u0259m H\u0259s\u0259nov is\u0259 bildirib ki, banklar\u0131n son vaxtlar m\u0259hk\u0259m\u0259l\u0259r\u0259 müraci\u0259ti kütl\u0259vi hal al\u0131b: “\u018fks\u0259r hallarda v\u0259t\u0259nda\u015flar özl\u0259rini müdafi\u0259 ed\u0259 bilmirl\u0259r. Onlar yard\u0131ms\u0131z qalanda, banklar birm\u0259nal\u0131 olaraq prosesi udurlar. H\u0259m d\u0259 banklar m\u0259hk\u0259m\u0259ni öz ist\u0259dikl\u0259ri kimi, ist\u0259dikl\u0259ri \u015f\u0259kild\u0259 udurlar. \u0130st\u0259nil\u0259n halda v\u0259t\u0259nda\u015f\u0131n banka borcu varsa, öd\u0259ni\u015f etmirs\u0259, bank m\u0259hk\u0259m\u0259y\u0259 verib udacaq. Amma söhb\u0259t ondan gedir ki, hans\u0131 m\u0259bl\u0259\u011fi t\u0259l\u0259b ed\u0259c\u0259k? Y\u0259ni bir var v\u0259t\u0259nda\u015f m\u0259hk\u0259m\u0259 prosesind\u0259 etiraz edib, faiz d\u0259r\u0259c\u0259l\u0259rinin çox yüks\u0259k oldu\u011funu bildirir, bunun azald\u0131lmas\u0131n\u0131 t\u0259l\u0259b edir. Yaxud zaminin m\u0259suliyy\u0259t da\u015f\u0131mad\u0131\u011f\u0131n\u0131 deyir. Mübariz\u0259 aparan v\u0259t\u0259nda\u015flar prosesd\u0259 n\u0259y\u0259s\u0259 nail olurlar.<\/p>\n

\u018fg\u0259r m\u0259hk\u0259m\u0259d\u0259 v\u0259t\u0259nda\u015flar özl\u0259rini müdafi\u0259 edirl\u0259rs\u0259, v\u0259ziyy\u0259t ac\u0131nacaql\u0131 olmur. Amma \u0259lb\u0259tt\u0259, v\u0259t\u0259nda\u015flar özl\u0259rini müdafi\u0259 etmirl\u0259rs\u0259, v\u0259ziyy\u0259t birm\u0259nal\u0131 \u015f\u0259kild\u0259 banklar\u0131n xeyrin\u0259dir. T\u0259\u0259ssüf ki, \u0259ks\u0259r hallarda m\u0259hz bel\u0259dir. V\u0259t\u0259nda\u015flarda bel\u0259 bir \u0259hval-ruhiyy\u0259 var ki, banklar\u0131 m\u0259hk\u0259m\u0259d\u0259 udmaq mümkün deyil. Bu fikri banklar özl\u0259ri dövriyy\u0259y\u0259 burax\u0131rlar. \u0130st\u0259mirl\u0259r ki, v\u0259t\u0259nda\u015flar onlara qar\u015f\u0131 m\u0259hk\u0259m\u0259l\u0259rd\u0259 mübariz\u0259 apars\u0131nlar. Amma dem\u0259k olmaz ki, banklar h\u0259mi\u015f\u0259 v\u0259t\u0259nda\u015flar\u0131 udur. Keç\u0259n h\u0259ft\u0259 Antikollektor bir bank\u0131 m\u0259hk\u0259m\u0259d\u0259 udub. Biz zamini müdafi\u0259 edirdik. M\u0259hk\u0259m\u0259 onu zaminlik öhd\u0259liyind\u0259n azad etdi”.<\/p>\n","protected":false},"excerpt":{"rendered":"

Ölk\u0259 banklar\u0131n\u0131n durumu pisl\u0259\u015fs\u0259 d\u0259, son ümid kimi v\u0259t\u0259nda\u015flara h\u0259d\u0259-qorxunu seçibl\u0259r. Üst\u0259lik, banklar v\u0259t\u0259nda\u015flar\u0131 kütl\u0259vi \u015f\u0259kild\u0259 m\u0259hk\u0259m\u0259y\u0259 ver\u0259r\u0259k öd\u0259nilm\u0259y\u0259n kreditl\u0259rini t\u0259l\u0259b edirl\u0259r. Ucnoqta.az x\u0259b\u0259r verir ki, bu haqda m\u0259lumat\u0131 “yeni…<\/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":[101],"tags":[],"class_list":["post-41158","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cemiyyet"],"_links":{"self":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/41158","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=41158"}],"version-history":[{"count":0,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/41158\/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=41158"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=41158"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=41158"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}