{"id":169534,"date":"2015-08-19T13:47:59","date_gmt":"2015-08-19T13:47:59","guid":{"rendered":"https:\/\/www.meydan.tv\/article\/merkezi-bankdan-mesuliyyetli-zerbe-tehlil\/"},"modified":"2015-08-19T13:47:59","modified_gmt":"2015-08-19T13:47:59","slug":"merkezi-bankdan-mesuliyyetli-zerbe-tehlil","status":"publish","type":"post","link":"https:\/\/www.meydan.tv\/az\/article\/merkezi-bankdan-mesuliyyetli-zerbe-tehlil\/","title":{"rendered":"M\u0259rk\u0259zi Bankdan “m\u0259suliyy\u0259tli z\u0259rb\u0259” (T\u0259hlil)"},"content":{"rendered":"
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\n \u018fsas z\u0259rb\u0259 istehlak kreditl\u0259\u015fm\u0259si bazar\u0131na d\u0259y\u0259c\u0259k\n <\/p>\n

\n M\u0259rk\u0259zi Bank\u0131n banklarda x\u0259rcl\u0259rin optimalla\u015fd\u0131r\u0131lmas\u0131na, maliyy\u0259 resurslar\u0131n\u0131n maya d\u0259y\u0259rinin azald\u0131lmas\u0131na, korporativ sosial m\u0259suliyy\u0259tin art\u0131r\u0131lmas\u0131na y\u00f6n\u0259lik son q\u0259rar\u0131 \u0259slind\u0259 g\u0259l\u0259c\u0259kd\u0259 problemli kreditl\u0259rin yaranmas\u0131n\u0131 \u00f6nl\u0259m\u0259k v\u0259 istehlak kredtl\u0259\u015fm\u0259sini m\u0259hdudla\u015fd\u0131rmaq m\u0259qs\u0259di da\u015f\u0131y\u0131r. D\u00fcnyada geni\u015f yay\u0131lm\u0131\u015f PT\u0130 (payment \u2013to-income) sisteminin t\u0259tbiqi banklara kredit riskini d\u00fczg\u00fcn idar\u0259etm\u0259y\u0259 s\u00f6vq etm\u0259kl\u0259 yana\u015f\u0131, \u00f6lk\u0259d\u0259 kredit qoyulu\u015funu \u0259h\u0259miyy\u0259tli d\u0259r\u0259c\u0259d\u0259 m\u0259hdudla\u015fd\u0131racaq.\n <\/p>\n

\n M\u0259rk\u0259zi Bank\u0131n \u0130dar\u0259 Hey\u0259tinin 13 avqust 2015-ci il tarixli iclas\u0131nda q\u0259bul edilmi\u015f \u201cBanklarda v\u0259 bank olmayan kredit t\u0259\u015fkilatlar\u0131nda m\u0259suliyy\u0259tli kreditl\u0259\u015fm\u0259 haqq\u0131nda Metodoloji R\u0259hb\u0259rlik\u201d istehlak\u00e7\u0131lar\u0131n ayl\u0131q borc y\u00fck\u00fcn\u00fcn onlar\u0131n g\u0259lirl\u0259rin\u0259 uy\u011funlu\u011funun m\u00fc\u0259yy\u0259nl\u0259\u015fdirilm\u0259sini n\u0259z\u0259rd\u0259 tutur. \u018fvv\u0259ll\u0259r kredit g\u00f6t\u00fcrm\u0259k ist\u0259y\u0259n m\u00fc\u015ft\u0259rind\u0259n ancaq maliyy\u0259 v\u0259ziyy\u0259tini t\u0259sdiq ed\u0259n s\u0259n\u0259d t\u0259l\u0259b olunurdu v\u0259 kreditin m\u0259bl\u0259\u011fi bar\u0259d\u0259 bank m\u00fcst\u0259qil q\u0259rar verirdi. Ancaq indi ayr\u0131lacaq kreditin m\u0259bl\u0259\u011fi m\u00fc\u015ft\u0259rinin g\u0259lirl\u0259rind\u0259n birba\u015fa as\u0131l\u0131 olacaq v\u0259 bank onu ist\u0259diyi q\u0259d\u0259r art\u0131ra bilm\u0259y\u0259k. Bel\u0259 ki, kredit 2 m\u0259rh\u0259l\u0259d\u0259 qiym\u0259tl\u0259ndiril\u0259c\u0259k. \u018fvv\u0259lc\u0259 istehlak\u00e7\u0131n\u0131n \u00f6d\u0259m\u0259 qabiliyy\u0259ti, sonra is\u0259 kredit m\u0259hsulunun t\u0259yinat\u0131na uy\u011funlu\u011fu yoxlanacaq.\n <\/p>\n

\n \u00d6d\u0259m\u0259 qabiliyy\u0259tinin qiym\u0259tl\u0259ndirilm\u0259si zaman\u0131 BYG \u0259msal\u0131ndan (ayl\u0131q borc y\u00fck\u00fcn\u00fcn g\u0259lir\u0259 nisb\u0259ti) istifad\u0259 olunacaq. Bu \u0259msal hesablanark\u0259n sizin h\u0259r ay \u00f6d\u0259diyiniz v\u0259 \u00f6d\u0259m\u0259y\u0259 haz\u0131rla\u015fd\u0131\u011f\u0131n\u0131z borc y\u00fck\u00fc toplanaraq ayl\u0131q g\u0259liriniz\u0259 b\u00f6l\u00fcn\u0259c\u0259k. M\u0259s\u0259l\u0259n, f\u0259rz ed\u0259k ki, ayl\u0131q qazanc\u0131n\u0131z 400 manatd\u0131r. Haz\u0131rda hans\u0131sa banka h\u0259r 100 manat kredit \u00f6d\u0259yirsiniz. Yeni kredit x\u0259tti a\u015fmaq ist\u0259yirsiniz v\u0259 banka m\u00fcraci\u0259t etmisiniz. \u0130st\u0259diyiniz m\u0259bl\u0259\u011fin ayl\u0131q \u00f6d\u0259ni\u015fi is\u0259 t\u0259xmin\u0259n 120 manat edir. Bu halda BYG \u0259msal\u0131 (100 AZN +120 AZN)\/400 AZN x100% = 55% olacaq. Bel\u0259 v\u0259ziyy\u0259td\u0259 siz\u0259 ist\u0259diyiniz m\u0259bl\u0259\u011f verilm\u0259y\u0259c\u0259k. Sizin kredit ala bilm\u0259niz \u00fc\u00e7\u00fcn BYG \u0259msal\u0131 50%-d\u0259n a\u015fa\u011f\u0131 olmal\u0131d\u0131r. Y\u0259ni bu \u0259msal n\u0259 q\u0259d\u0259r a\u015fa\u011f\u0131 olsa, bir o q\u0259d\u0259r \u015fans\u0131n\u0131z artacaq. Dem\u0259li, indiki g\u0259lirl\u0259r siz ayl\u0131q \u00f6d\u0259ni\u015fin \u0259n \u00e7oxu 100 AZN olan h\u0259cmd\u0259 (bu halda BYG 50% olur) kredit g\u00f6t\u00fcr\u0259 bil\u0259rsiniz. Bu \u0259msal b\u00fct\u00fcn d\u00fcnyada PT\u0130 (payment \u2013to-income) \u0259msal\u0131 ad\u0131 il\u0259 tan\u0131n\u0131r.\n <\/p>\n

\n Qaydada diqq\u0259ti \u00e7\u0259k\u0259n m\u0259qamlardan biri d\u0259 BYG m\u00fc\u0259yy\u0259nl\u0259\u015fdiril\u0259rk\u0259n kredit x\u0259tl\u0259ri v\u0259 kredit m\u00fcqavil\u0259sind\u0259 ayl\u0131q \u00f6d\u0259ni\u015fi n\u0259z\u0259rd\u0259 tutulmayan kreditl\u0259r \u00fc\u00e7\u00fcn annuitet qaydas\u0131nda ayl\u0131q \u00f6d\u0259ni\u015fin hesablanmas\u0131d\u0131r. Bel\u0259 \u00e7\u0131x\u0131r ki, kredit kart sahibi kredit \u00fc\u00e7\u00fcn banka m\u00fcraci\u0259t ed\u0259nd\u0259 BHG hesablananda kredit kart\u0131ndak\u0131 m\u0259bl\u0259\u011f n\u0259z\u0259r\u0259 al\u0131nacaq.\n <\/p>\n

\n Yeni mexanizm kredit bazar\u0131na, banklar\u0131n f\u0259aliyy\u0259tin\u0259, istehlak\u00e7\u0131lar\u0131n kredit\u0259 \u0259l\u00e7atanl\u0131\u011f\u0131na t\u0259sir g\u00f6st\u0259r\u0259k. \u018fsas z\u0259rb\u0259 istehlak kreditl\u0259\u015fm\u0259si bazar\u0131na d\u0259y\u0259c\u0259k. Q\u0259rar \u0259slind\u0259 M\u0259rk\u0259zi Bank\u0131n haz\u0131rda 38% paya malik olan istehlak kreditl\u0259rini m\u0259hdudla\u015fd\u0131rmaq plan\u0131n\u0131n t\u0259rkib hiss\u0259sidir. Bu, ilk add\u0131m deyil. Buna q\u0259d\u0259r bir s\u0131ra add\u0131mlar at\u0131l\u0131b – p\u0259rak\u0259nd\u0259 ticar\u0259t obyektl\u0259rind\u0259n kredit verili\u015finin y\u0131\u011f\u0131\u015fd\u0131r\u0131l\u0131b, aray\u0131\u015f olmadan kredit verilm\u0259si qada\u011fan edilib v\u0259 s. \u0130stehlak kreditl\u0259rinin h\u0259cminin getdikc\u0259 azalmas\u0131n\u0131 m\u00fc\u015fahid\u0259 ed\u0259c\u0259yik.\n <\/p>\n

\n \u018fhaliy\u0259 t\u0259siri:\n <\/p>\n

\n – \u018fhalinin istehlak kreditl\u0259rin\u0259 \u0259l\u00e7atanl\u0131\u011f\u0131 azalacaq.
\n
\n – M\u00fc\u015ft\u0259rini bir ne\u00e7\u0259 bank\u0131n m\u00fc\u015ft\u0259risi olmaq imkan\u0131 m\u0259hdudla\u015facaq. Art\u0131q Kredit bataql\u0131\u011f\u0131na d\u00fc\u015fm\u0259y\u0259c\u0259kl\u0259r.\n <\/p>\n

\n Banklara t\u0259siri:\n <\/p>\n

\n – \u0130stehlak kreditl\u0259\u015fm\u0259si \u00fczr\u0259 ixtisasla\u015fan banklar\u0131n f\u0259aliyy\u0259ti m\u0259hdudla\u015facaq, g\u0259lirl\u0259ri k\u0259skin azalacaq.
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\n – Banklar\u0131 istehlak kreditl\u0259\u015fm\u0259si bazar\u0131n\u0131 t\u0259rk ed\u0259r\u0259k real sektoru maliyy\u0259l\u0259\u015fdirm\u0259y\u0259 s\u00f6vq ed\u0259c\u0259k
\n
\n – \u0130stehlak kreditl\u0259ri \u201cmikrokreditl\u0259\u015f\u0259c\u0259k\u201d, y\u0259ni mikrokredit ad\u0131 alt\u0131nda istehlak kreditl\u0259\u015fm\u0259si apar\u0131lacaq
\n
\n – Son zamanlar m\u0259hdudla\u015fan m\u00fc\u015ft\u0259ri kontingenti daha da m\u0259hdudla\u015facaq\n <\/p>\n

\n M\u0259rk\u0259zi Bank\u0131n son add\u0131mlar\u0131 strateji bax\u0131mdan bank sektorunun dayan\u0131ql\u0131\u011f\u0131n\u0131n art\u0131r\u0131lmas\u0131na y\u00f6n\u0259ls\u0259 d\u0259, indiki d\u00f6vrd\u0259 banklar \u00fc\u00e7\u00fcn ba\u015fa\u011fr\u0131s\u0131 yaradacaq. Ki\u00e7ik v\u0259 istehlak kreditl\u0259\u015fm\u0259si \u00fczr\u0259 ixtisasla\u015fan banklar\u0131n faiz g\u0259lirl\u0259ri azalacaq. M\u00fc\u015ft\u0259ri, x\u00fcsusil\u0259 d\u0259 y\u00fcks\u0259k g\u0259liri olan v\u0259 bu g\u0259liri r\u0259smi s\u00fcbut ed\u0259 bil\u0259n \u015f\u0259xsl\u0259r u\u011frunda s\u0259rt r\u0259qab\u0259t apar\u0131lacaq. B\u00fct\u00fcn bunlar\u0131n fonunda r\u0259sm\u0259n elan edildiyi kimi kredit faizl\u0259rinin azalmas\u0131 ba\u015f verm\u0259y\u0259c\u0259k. Bazar h\u0259l\u0259 d\u0259 M\u0259rk\u0259zi Bank\u0131n t\u0259tbiq etdiyi faiz tavan\u0131na (29%-lik) tam adaptasiya oluna bilm\u0259yib. \u00dcst\u0259g\u0259l kredit m\u0259bl\u0259\u011finin azalmas\u0131 banklara faizl\u0259ri azaltma\u011fa imkan verm\u0259y\u0259c\u0259k. Bu q\u0259rar\u0131n \u0259sas \u00fcst\u00fcnl\u00fcy\u00fc g\u0259l\u0259c\u0259kd problemli kreditl\u0259rin yaranmas\u0131 ehtimal\u0131n\u0131 azalacaq. Ancaq n\u0259z\u0259r\u0259 almaq laz\u0131md\u0131r ki, problemli kreditl\u0259rd\u0259 \u0259sas \u00fcst\u00fcnl\u00fcy\u00fc biznes kreditl\u0259ri t\u0259\u015fkil edir v\u0259 bu kredit m\u0259hsulu yeni qaydan\u0131n h\u00fcquqi t\u0259sirin\u0259 d\u00fc\u015fm\u00fcr.\n <\/p>\n<\/p><\/div>\n

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\u018fsas z\u0259rb\u0259 istehlak kreditl\u0259\u015fm\u0259si bazar\u0131na d\u0259y\u0259c\u0259k<\/p>\n","protected":false},"author":11,"featured_media":31994,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","footnotes":""},"categories":[56],"tags":[],"class_list":["post-169534","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-xeberler","infinite-scroll-item","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-33","no-featured-image-padding"],"acf":[],"yoast_head":"\nM\u0259rk\u0259zi Bankdan "m\u0259suliyy\u0259tli z\u0259rb\u0259" (T\u0259hlil) - MEYDAN.TV<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.meydan.tv\/az\/article\/merkezi-bankdan-mesuliyyetli-zerbe-tehlil\/\" \/>\n<meta property=\"og:locale\" content=\"az_AZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"M\u0259rk\u0259zi Bankdan "m\u0259suliyy\u0259tli z\u0259rb\u0259" (T\u0259hlil) - 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