{"id":85829,"date":"2019-10-04T15:07:35","date_gmt":"2019-10-04T11:07:35","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=85829","title":{"rendered":"Ev almaq ist\u0259y\u0259nl\u0259r\u0259 <font color=red><b>\u015eAD X\u018fB\u018fR<\/b><\/font>: Girov t\u0259l\u0259bi g\u00f6t\u00fcr\u00fcld\u00fc"},"content":{"rendered":"<p>Az\u0259rbaycanda \u0259halinin layiqli h\u0259yat s\u0259viyy\u0259sini t\u0259min etm\u0259k v\u0259 sosial rifah\u0131n\u0131 y\u00fcks\u0259ltm\u0259k, iqtisadiyyat\u0131n tarazl\u0131 v\u0259 dayan\u0131ql\u0131 inki\u015faf\u0131na xidm\u0259t \u00fc\u00e7\u00fcn sahibkarl\u0131q kreditl\u0259rinin verilm\u0259si zaman\u0131 t\u0259minatla (girov) ba\u011fl\u0131 t\u0259l\u0259bl\u0259r aradan qald\u0131r\u0131l\u0131b.<\/p>\n<p>Az\u0259rbaycan Respublikas\u0131n\u0131n \u0130poteka v\u0259 Kredit Z\u0259man\u0259t Fondundan\u00a0Oxu.Az-a veril\u0259n m\u0259lumata g\u00f6r\u0259, son ill\u0259rd\u0259 h\u0259yata ke\u00e7iril\u0259n, konkret h\u0259d\u0259fl\u0259r\u0259 y\u00f6n\u0259lmi\u015f m\u0259qs\u0259dy\u00f6nl\u00fc islahatlar n\u0259tic\u0259sind\u0259 \u00f6lk\u0259d\u0259 biznes v\u0259 investisiya m\u00fchitinin \u0259lveri\u015fliliyi daha da art\u0131r\u0131l\u0131b.<\/p>\n<p>H\u0259yata ke\u00e7irilmi\u015f islahatlar \u00e7\u0259r\u00e7iv\u0259sind\u0259 \u00f6lk\u0259d\u0259 kredit z\u0259man\u0259t mexanizmi v\u0259 h\u0259min mexanizm \u00e7\u0259r\u00e7iv\u0259sind\u0259 d\u00f6vl\u0259t b\u00fcdc\u0259si v\u0259saiti hesab\u0131na faiz subsidiyalar\u0131n\u0131n verilm\u0259si kimi maliyy\u0259 d\u0259st\u0259yi al\u0259ti yarad\u0131l\u0131b.<\/p>\n<p>2018-ci ilin sonlar\u0131ndan etibar\u0259n \u0130poteka v\u0259 Kredit Z\u0259man\u0259t Fondu (Fond) t\u0259r\u0259find\u0259n kredit z\u0259man\u0259t mexanizminin v\u0259 faiz subsidiyalar\u0131n\u0131n verilm\u0259sinin t\u0259tbiqin\u0259 ba\u015flan\u0131l\u0131b, bu d\u00f6vr \u0259rzind\u0259 Fondun d\u0259st\u0259yi il\u0259 iqtisadiyyat\u0131n m\u00fcxt\u0259lif sah\u0259l\u0259ri \u00fczr\u0259 (qida s\u0259nayesi m\u0259hsullar\u0131n\u0131n istehsal\u0131, k\u0259nd t\u0259s\u0259rr\u00fcfat\u0131, ticar\u0259t xidm\u0259tl\u0259ri, ma\u015f\u0131n v\u0259 avadanl\u0131q istehsal\u0131, el\u0259c\u0259 d\u0259, dig\u0259r s\u0259naye m\u0259hsullar\u0131n\u0131n istehsal\u0131 v\u0259 emal\u0131) 41,759,000 manat m\u0259bl\u0259\u011find\u0259 sahibkarl\u0131q kreditl\u0259rinin verilm\u0259sin\u0259 nail olunub.<\/p>\n<p>D\u00f6vr \u0259rzind\u0259 Fond t\u0259r\u0259find\u0259n m\u00f6vcud probleml\u0259rin \u00f6yr\u0259nilm\u0259si v\u0259 kredit z\u0259man\u0259t mexanizminin t\u0259kmill\u0259\u015fdirilm\u0259si m\u0259qs\u0259dil\u0259 d\u00f6vri olaraq m\u00fcv\u0259kkil banklarla v\u0259 sahibkarlarla g\u00f6r\u00fc\u015fl\u0259r ke\u00e7irilib, bu sah\u0259d\u0259 beyn\u0259lxalq t\u0259cr\u00fcb\u0259 ara\u015fd\u0131r\u0131laraq m\u00fcvafiq t\u0259hlill\u0259r apar\u0131l\u0131b.<\/p>\n<p>T\u0259hlill\u0259r ki\u00e7ik v\u0259 orta sahibkarl\u0131q subyektl\u0259rinin banklara m\u00fcraci\u0259t ed\u0259rk\u0259n t\u0259minatla (girovla) ba\u011fl\u0131 y\u00fcks\u0259k t\u0259l\u0259bl\u0259rl\u0259 rastla\u015fd\u0131qlar\u0131n\u0131 v\u0259 n\u0259tic\u0259d\u0259 onlar\u0131n maliyy\u0259 m\u0259nb\u0259l\u0259rin\u0259 (kredit) \u00e7\u0131x\u0131\u015f imkanlar\u0131n\u0131n m\u0259hdud oldu\u011funu g\u00f6st\u0259rib.\u00a0<\/p>\n<p>Apar\u0131lm\u0131\u015f t\u0259hlill\u0259rin n\u0259tic\u0259si olaraq, z\u0259man\u0259t mexanizminin t\u0259tbiqind\u0259 riskl\u0259rin t\u0259nziml\u0259nm\u0259si bax\u0131m\u0131ndan tam yeni yana\u015fma t\u0259tbiq edilib v\u0259 m\u00f6vcud mexanizm \u00e7\u0259r\u00e7iv\u0259sind\u0259 sahibkarl\u0131q kreditl\u0259rinin verilm\u0259si zaman\u0131 t\u0259minatla (girov) ba\u011fl\u0131 t\u0259l\u0259bl\u0259r aradan qald\u0131r\u0131l\u0131b.<\/p>\n<p>H\u0259yata ke\u00e7irilmi\u015f d\u0259yi\u015fiklikl\u0259r n\u0259tic\u0259sind\u0259 art\u0131q Fondun kredit reytinqi modelin\u0259 \u0259sas\u0259n a\u015fa\u011f\u0131 risk kateqoriyas\u0131na aid edilmi\u015f, lakin t\u0259minat s\u0259viyy\u0259si q\u0259na\u0259tb\u0259x\u015f olmayan sahibkarlar \u00fc\u00e7\u00fcn Fondun z\u0259man\u0259ti il\u0259 t\u0259minats\u0131z sahibkarl\u0131q kreditl\u0259rind\u0259n istifad\u0259 imkanlar\u0131 yarad\u0131l\u0131b.\u00a0\u00a0<\/p>\n<p>M\u00f6vcud mexanizm \u00e7\u0259r\u00e7iv\u0259sind\u0259 veril\u0259n sahibkarl\u0131q kreditl\u0259ri \u00fczr\u0259 t\u0259minata dair t\u0259l\u0259bl\u0259rin aradan qald\u0131r\u0131lmas\u0131 daha \u00e7ox sahibkarl\u0131q subyektinin maliyy\u0259l\u0259\u015fm\u0259sin\u0259, t\u0259minat yet\u0259rsizliyi olan sahibkarlar\u0131n maliyy\u0259 resurslar\u0131na \u00e7\u0131x\u0131\u015f imkanlar\u0131n\u0131n art\u0131r\u0131lmas\u0131na, n\u0259tic\u0259 etibaril\u0259 iqtisadiyyat\u0131n \u015fax\u0259l\u0259nm\u0259sin\u0259, iqtisadi aktivliyin v\u0259 \u00f6lk\u0259d\u0259 qeyri-neft sektorunun inki\u015faf\u0131n\u0131n d\u0259st\u0259kl\u0259nm\u0259sin\u0259 \u015f\u0259rait yaradacaq.\u00a0 \u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Az\u0259rbaycanda \u0259halinin layiqli h\u0259yat s\u0259viyy\u0259sini t\u0259min etm\u0259k v\u0259 sosial rifah\u0131n\u0131 y\u00fcks\u0259ltm\u0259k, iqtisadiyyat\u0131n tarazl\u0131 v\u0259 dayan\u0131ql\u0131 inki\u015faf\u0131na xidm\u0259t \u00fc\u00e7\u00fcn sahibkarl\u0131q kreditl\u0259rinin verilm\u0259si zaman\u0131 t\u0259minatla (girov) ba\u011fl\u0131 t\u0259l\u0259bl\u0259r aradan qald\u0131r\u0131l\u0131b. Az\u0259rbaycan Respublikas\u0131n\u0131n&hellip;<\/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":[],"tags":[],"class_list":["post-85829","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/85829","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=85829"}],"version-history":[{"count":0,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/85829\/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=85829"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=85829"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=85829"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}