{"id":50551,"date":"2017-09-25T11:43:45","date_gmt":"2017-09-25T07:43:45","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=50551","title":{"rendered":"Kredit b\u00fcrosunun yarad\u0131lmas\u0131 niy\u0259 gecikir? \u2013 A\u00e7\u0131qlama<\/font><\/b>"},"content":{"rendered":"

"G\u0259l\u0259n ay “Kredit bürolar\u0131 haqq\u0131nda” Qanunun q\u0259bulunun bir ili tamam olur. Ancaq t\u0259\u0259ssüf ki, bu müdd\u0259t \u0259rzind\u0259 h\u0259l\u0259 d\u0259 kredit büros\u0131 yarad\u0131lmay\u0131b. Büronun yarad\u0131lmas\u0131 prosesi uzan\u0131r". Bunu Oxu.Az-a aç\u0131qlamas\u0131nda iqtisadç\u0131-ekspert Samir \u018fliyev bildirib.<\/p>\n

O qeyd edib ki, büro ümumiyy\u0259tl\u0259 dövl\u0259t qeydiyyat\u0131na al\u0131nmaq m\u0259rh\u0259l\u0259sini keçm\u0259yib. Halbuki hüquqi baza yarad\u0131ld\u0131qdan sonra kredit bürosunun q\u0259bulu daha çox texniki xarakter da\u015f\u0131y\u0131r: "Banklar xeyli vaxtd\u0131r bu istiqam\u0259td\u0259 i\u015fl\u0259yirl\u0259r v\u0259 mü\u0259yy\u0259n kadr bazas\u0131n\u0131 da formala\u015fd\u0131r\u0131blar.<\/p>\n

Kredit m\u0259lumatlar\u0131n\u0131n mübadil\u0259si sisteminin t\u0259kmill\u0259\u015fdirilm\u0259si istiqam\u0259tind\u0259 kredit bürosunun yarad\u0131lmas\u0131 maliyy\u0259 xidm\u0259tl\u0259rinin inki\u015faf\u0131na dair Strateji Yol X\u0259rit\u0259sinin \u0259sas prioritetl\u0259rin\u0259 daxildir. Qanun layih\u0259 \u015f\u0259klind\u0259 çoxdan haz\u0131rlansa da, m\u0259hz Strateji Yol X\u0259rit\u0259si ç\u0259rçiv\u0259sind\u0259 q\u0259bul edilib. Q\u0131saca qeyd edim ki, kredit bürosu – bank v\u0259 qeyri-bank kredit t\u0259\u015fkilatlar\u0131ndan, kommunal v\u0259 mobil rabit\u0259 xidm\u0259tl\u0259ri göst\u0259r\u0259n \u015firk\u0259tl\u0259rd\u0259n, h\u0259tta m\u0259hsullar\u0131n\u0131 nisy\u0259 satan mü\u0259ssis\u0259l\u0259rd\u0259n mü\u015ft\u0259ri bar\u0259d\u0259 m\u0259lumatlar\u0131 toplamaq s\u0259lahiyy\u0259tin\u0259 malikdir. Bir sözl\u0259, mü\u015ft\u0259rinin öd\u0259m\u0259 qabiliyy\u0259ti v\u0259 davran\u0131\u015f\u0131 bar\u0259d\u0259 tarixç\u0259l\u0259r büroda toplanaraq, baza yarad\u0131l\u0131r v\u0259 banka mü\u015ft\u0259rini düzgün qiym\u0259tl\u0259ndirm\u0259y\u0259 imkan verir. Mü\u015ft\u0259ri kredit üçün müraci\u0259t etdikd\u0259 onun tarixç\u0259si kredit almas\u0131nda h\u0259lledici rol oynay\u0131r".<\/p>\n

Ekspert deyir ki, 2005-ci ild\u0259n ba\u015flayaraq, bu funksiyan\u0131 M\u0259rk\u0259zl\u0259\u015fdirilmi\u015f Kredit Reyestri (MKR) oynay\u0131b: "Sad\u0259c\u0259, MKR bank v\u0259 bank olmayan kredit t\u0259\u015fkilatlar\u0131 il\u0259 m\u0259hdudla\u015f\u0131r. Kredit bürolar\u0131 is\u0259 daha geni\u015f m\u0259lumatlara malik olan v\u0259 daha çox i\u015ftirakç\u0131n\u0131n c\u0259lb edildiyi bir informasiya mübadil\u0259si sistemidir. MKR bir qayda olaraq maliyy\u0259 institutlar\u0131n\u0131n daxili reyestri qismind\u0259 ç\u0131x\u0131\u015f edir, ancaq büro maliyy\u0259 institutlar\u0131 il\u0259 yana\u015f\u0131, \u0259haliy\u0259 xidm\u0259t göst\u0259rm\u0259k m\u0259qs\u0259dil\u0259 yarad\u0131l\u0131r. \u018fn az\u0131 ild\u0259 2 d\u0259f\u0259 \u0259haliy\u0259 kredit tarixç\u0259si bar\u0259d\u0259 m\u0259lumatlar\u0131 onlar\u0131n müraci\u0259ti \u0259sas\u0131nda pulsuz olaraq t\u0259qdim edir. MRK-nin f\u0259aliyy\u0259t\u0259 ba\u015flamas\u0131 problemli kreditl\u0259r probleminin h\u0259ll edilm\u0259si sah\u0259sind\u0259 banklara kifay\u0259t q\u0259d\u0259r d\u0259st\u0259k verdi. Öd\u0259y\u0259 bilm\u0259dikl\u0259ri kreditl\u0259ri ikinci v\u0259 ya üçüncü bank\u0131n v\u0259saitl\u0259ri hesab\u0131na ba\u011flamaq v\u0259 bununla da “kredit karuseli” yaratmaq kimi t\u0259hlük\u0259li v\u0259rdi\u015fl\u0259ri aradan qald\u0131rd\u0131. Sonrak\u0131 dövrd\u0259 kreditl\u0259rin öd\u0259nilm\u0259sind\u0259 yaranm\u0131\u015f problem devalvasiya v\u0259 banklar\u0131n m\u0259suliyy\u0259tsiz kreditl\u0259\u015fm\u0259 siyas\u0259ti n\u0259tic\u0259sind\u0259 yarand\u0131".<\/p>\n

S.\u018fliyev bildirir ki, haz\u0131rda banklardan kredit götürm\u0259k mü\u015fkül\u0259 çevrilib: "Qurunun oduna ya\u015f\u0131n yand\u0131\u011f\u0131 kimi, m\u0259suliyy\u0259tsiz v\u0259 ya imkans\u0131z mü\u015ft\u0259ril\u0259rin oduna da etibarl\u0131lar\u0131 yan\u0131r. Skorinq sistemi i\u015fl\u0259m\u0259diyind\u0259n banklar mü\u015ft\u0259rinin r\u0259smi maa\u015f\u0131n\u0131n ümidin\u0259 qal\u0131blar. Yüks\u0259k v\u0259 r\u0259smi maa\u015fa malik mü\u015ft\u0259ri is\u0259 intizaml\u0131 mü\u015ft\u0259ri dem\u0259k deyil. Kredit bürolar\u0131n\u0131n üstünlüyü bar\u0259d\u0259 çox yazmaq olar. Kredit götürm\u0259yin mü\u015fkül\u0259 çevrilm\u0259si o dem\u0259k deyil ki, banklar kredit verm\u0259k ist\u0259mirl\u0259r. Ax\u0131 onlar c\u0259lb etdikl\u0259ri \u0259man\u0259tl\u0259ri qaytarmaq, g\u0259lir \u0259ld\u0259 etm\u0259k, i\u015fçil\u0259rin maa\u015flar\u0131n\u0131 öd\u0259m\u0259k v\u0259 n\u0259hay\u0259t, f\u0259aliyy\u0259t göst\u0259r\u0259 bilm\u0259si üçün kredit verm\u0259y\u0259 m\u0259cburdurlar. Z\u0259r\u0259rli aktivl\u0259rin içind\u0259 batan banklara kredit verm\u0259k üçün etibarl\u0131 mü\u015ft\u0259ri laz\u0131md\u0131r. Etibarl\u0131 mü\u015ft\u0259rini is\u0259 kredit bürolar\u0131 olmadan mü\u0259yy\u0259nl\u0259\u015fdirm\u0259k mümkün deyil.<\/p>\n

Dünya Bank\u0131 v\u0259 Beyn\u0259lxalq Maliyy\u0259 Korporasiyas\u0131n\u0131n birg\u0259 t\u0259rtib etdikl\u0259ri "Doing Business" hesabat\u0131nda da Az\u0259rbaycanda kredit\u0259 \u0259lçatanl\u0131q göst\u0259ricisinin ild\u0259n-il\u0259 pisl\u0259\u015fdiyi bildirilir v\u0259 bunun \u0259sas s\u0259b\u0259bl\u0259rind\u0259n biri \u0259halinin öz\u0259l kredit bürolar\u0131na ç\u0131x\u0131\u015f\u0131n\u0131n olmamas\u0131d\u0131r. Bu mövqenin yax\u015f\u0131la\u015fd\u0131r\u0131lmas\u0131 üçün qanunvericilik bazas\u0131 yarad\u0131l\u0131b. “Kredit bürolar\u0131 haqq\u0131nda” Qanunun t\u0259l\u0259bl\u0259rin\u0259 uy\u011fun olaraq, bir s\u0131ra qaydalar q\u0259bul edilib. Qanunvericilik bazas\u0131 getdikc\u0259 t\u0259kmill\u0259\u015fdirils\u0259 d\u0259, bu normativ aktlar\u0131n t\u0259tbiq edil\u0259c\u0259yi infrastrukturun – kredit bürosunun yarad\u0131lmas\u0131 l\u0259ngidilir. Beyn\u0259lxalq reytinql\u0259rd\u0259 Az\u0259rbaycan\u0131n mövqeyinin yax\u015f\u0131la\u015fd\u0131r\u0131lmas\u0131n\u0131n vacibliyini göst\u0259r\u0259n president s\u0259r\u0259ncam\u0131 var. Strateji Yol X\u0259rit\u0259sind\u0259 d\u0259 kredit bürosunun 2017-ci ild\u0259 yarad\u0131lmas\u0131 n\u0259z\u0259rd\u0259 tutulur. \u0130lin bitm\u0259sin\u0259 is\u0259 c\u0259mi 3 ay qal\u0131b".<\/p>\n","protected":false},"excerpt":{"rendered":"

"G\u0259l\u0259n ay “Kredit bürolar\u0131 haqq\u0131nda” Qanunun q\u0259bulunun bir ili tamam olur. Ancaq t\u0259\u0259ssüf ki, bu müdd\u0259t \u0259rzind\u0259 h\u0259l\u0259 d\u0259 kredit büros\u0131 yarad\u0131lmay\u0131b. Büronun yarad\u0131lmas\u0131 prosesi uzan\u0131r". Bunu Oxu.Az-a aç\u0131qlamas\u0131nda iqtisadç\u0131-ekspert…<\/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-50551","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\/50551","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=50551"}],"version-history":[{"count":0,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/50551\/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=50551"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=50551"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=50551"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}