{"id":20919,"date":"2026-03-12T16:00:00","date_gmt":"2026-03-12T12:00:00","guid":{"rendered":"https:\/\/duzgun.az\/?p=20919"},"modified":"2026-03-12T17:37:52","modified_gmt":"2026-03-12T13:37:52","slug":"az%c9%99rbaycanda-konullu-kredit-qadagasi-olacaq","status":"publish","type":"post","link":"https:\/\/duzgun.az\/?p=20919","title":{"rendered":"Az\u0259rbaycanda k\u00f6n\u00fcll\u00fc kredit qada\u011fas\u0131 olacaq"},"content":{"rendered":"<p><span style=\"font-size: 14pt; font-family: arial, helvetica, sans-serif;\"><strong>D\u00fczg\u00fcn.az x\u0259b\u0259r verir ki, <\/strong>Az\u0259rbaycanda k\u00f6n\u00fcll\u00fc kredit qada\u011fas\u0131 mexanizminin t\u0259tbiqi \u00fczr\u0259 i\u015fl\u0259r yekunla\u015fma m\u0259rh\u0259l\u0259sind\u0259dir. Bu mexanizm vasit\u0259sil\u0259 v\u0259t\u0259nda\u015flar \u00f6z adlar\u0131na m\u0259saf\u0259d\u0259n kreditl\u0259rin verilm\u0259sin\u0259 m\u0259hdudiyy\u0259t qoymaq imkan\u0131 \u0259ld\u0259 etmi\u015f olacaq, bu is\u0259 \u00f6z n\u00f6vb\u0259sind\u0259 f\u0131r\u0131ldaq\u00e7\u0131l\u0131q riskl\u0259rini \u0259h\u0259miyy\u0259tli d\u0259r\u0259c\u0259d\u0259 azalmas\u0131na xidm\u0259t ed\u0259c\u0259kdir.<\/span><\/p>\n<p><span style=\"font-size: 14pt; font-family: arial, helvetica, sans-serif;\">Bu bar\u0259d\u0259 M\u0259rk\u0259zi Bank s\u0259drinin m\u00fcavini To\u011frul \u018fliyev &#8220;M\u00fcasir r\u0259q\u0259msal d\u00fcnyada istehlak\u00e7\u0131lar: elektron ticar\u0259t, r\u0259q\u0259msal xidm\u0259tl\u0259r v\u0259 t\u0259hl\u00fck\u0259sizlik&#8221; m\u00f6vzusunda ke\u00e7iril\u0259n forumda deyib.<\/span><\/p>\n<p><span style=\"font-size: 14pt; font-family: arial, helvetica, sans-serif;\">O bildirib ki, r\u0259q\u0259msal f\u0131r\u0131ldaq\u00e7\u0131l\u0131q riskl\u0259rinin azald\u0131lmas\u0131 m\u0259qs\u0259dil\u0259 M\u0259rk\u0259zi Bank t\u0259r\u0259find\u0259n M\u0259rk\u0259zl\u0259\u015fdirilmi\u015f m\u0259lumat m\u00fcbadil\u0259si sisteminin yarad\u0131lmas\u0131 istiqam\u0259tind\u0259 d\u0259 i\u015fl\u0259r apar\u0131l\u0131r.<\/span><\/p>\n<p><span style=\"font-size: 14pt; font-family: arial, helvetica, sans-serif;\">\u201cBu sistem, banklar, \u00f6d\u0259ni\u015f t\u0259\u015fkilatlar\u0131 v\u0259 dig\u0259r s\u0259lahiyy\u0259tli qurumlar aras\u0131nda operativ m\u0259lumat m\u00fcbadil\u0259sini t\u0259min ed\u0259c\u0259k v\u0259 f\u0131r\u0131ldaq\u00e7\u0131l\u0131q hallar\u0131na daha s\u00fcr\u0259tli reaksiya verilm\u0259sin\u0259 imkan yaradacaq. M\u0259rk\u0259zi Bank maliyy\u0259 institutlar\u0131n\u0131n bazar davran\u0131\u015flar\u0131n\u0131n h\u00fcquqi t\u0259nziml\u0259nm\u0259sinin inki\u015faf etdirilm\u0259si istiqam\u0259tind\u0259 d\u0259 ard\u0131c\u0131l t\u0259dbirl\u0259r h\u0259yata ke\u00e7irir. Bu m\u0259qs\u0259dl\u0259, qabaqc\u0131l t\u0259cr\u00fcb\u0259y\u0259 uy\u011fun olaraq, beyn\u0259lxalq ekspertl\u0259r c\u0259lb olunmaqla \u201cMaliyy\u0259 institutlar\u0131n\u0131n bazar davran\u0131\u015flar\u0131na dair Metodoloji R\u0259hb\u0259rlik\u201d layih\u0259si haz\u0131rlan\u0131b. Bu s\u0259n\u0259d, maliyy\u0259 sektorunda \u015f\u0259ffafl\u0131q v\u0259 \u0259dal\u0259tli biznes davran\u0131\u015flar\u0131n\u0131 t\u0259min etm\u0259y\u0259 y\u00f6n\u0259lib v\u0259 maliyy\u0259 institutlar\u0131 \u00fc\u00e7\u00fcn m\u0259suliyy\u0259tli davran\u0131\u015f standartlar\u0131n\u0131 m\u00fc\u0259yy\u0259n edir. Bununla yana\u015f\u0131, n\u0259zar\u0259t mexanizml\u0259rinin beyn\u0259lxalq t\u0259cr\u00fcb\u0259y\u0259 uy\u011fun t\u0259kmill\u0259\u015fdirilm\u0259si v\u0259 bazar davran\u0131\u015flar\u0131na risk \u0259sasl\u0131 n\u0259zar\u0259t modelinin t\u0259tbiqi planla\u015fd\u0131r\u0131l\u0131r ki, bu da istehlak\u00e7\u0131lar \u00fc\u00e7\u00fcn daha y\u00fcks\u0259k risk yaradan m\u0259hsul, xidm\u0259t v\u0259 institutlara daha intensiv n\u0259zar\u0259tin h\u0259yata ke\u00e7irilm\u0259sin\u0259 imkan ver\u0259c\u0259kdir.B\u00fct\u00fcn bunlar, maliyy\u0259 istehlak\u00e7\u0131lar\u0131n\u0131n h\u00fcquqlar\u0131n\u0131n daha etibarl\u0131 \u015f\u0259kild\u0259 qorunmas\u0131 \u00fc\u00e7\u00fcn \u015f\u0259rait yaradacaq\u201d, &#8211; dey\u0259 To\u011frul \u018fliyev vur\u011fulay\u0131b.<\/span><\/p>\n<p><span style=\"font-size: 14pt; font-family: arial, helvetica, sans-serif;\">T.\u018fliyev qeyd edib ki, M\u0259rk\u0259zi Bank maliyy\u0259 istehlak\u00e7\u0131lar\u0131n\u0131n h\u00fcquqlar\u0131n\u0131n qorunmas\u0131 sah\u0259sind\u0259 beyn\u0259lxalq \u0259m\u0259kda\u015fl\u0131\u011f\u0131 geni\u015fl\u0259ndirir: \u201cBu \u00e7\u0259r\u00e7iv\u0259d\u0259 M\u0259rk\u0259zi Bank \u00f6t\u0259n ilin oktyabr ay\u0131nda Maliyy\u0259 \u0130stehlak\u00e7\u0131lar\u0131n\u0131n M\u00fcdafi\u0259si \u00fczr\u0259 Beyn\u0259lxalq t\u0259\u015fkilat olan \u201cFinCoNet\u201d t\u0259\u015fkilat\u0131na tamh\u00fcquqlu \u00fczv q\u0259bul edilmi\u015fdir. Bu \u00fczvl\u00fck r\u0259q\u0259msal maliyy\u0259 xidm\u0259tl\u0259ri sah\u0259sind\u0259 istehlak\u00e7\u0131 h\u00fcquqlar\u0131n\u0131n qorunmas\u0131 \u00fczr\u0259 qabaqc\u0131l beyn\u0259lxalq t\u0259cr\u00fcb\u0259nin \u00f6lk\u0259mizd\u0259 t\u0259tbiqin\u0259 imkan yarad\u0131r. Eyni zamanda, M\u0259rk\u0259zi Bank \u0130qtisadi \u018fm\u0259kda\u015fl\u0131q v\u0259 \u0130nki\u015faf T\u0259\u015fkilat\u0131n\u0131n Maliyy\u0259 T\u0259hsili \u00fczr\u0259 Beyn\u0259lxalq \u015e\u0259b\u0259k\u0259sin\u0259 \u2013 OECD-INFE platformas\u0131na \u00fczv olub. Bu \u0259m\u0259kda\u015fl\u0131q maliyy\u0259 savadl\u0131l\u0131\u011f\u0131n\u0131n art\u0131r\u0131lmas\u0131 v\u0259 istehlak\u00e7\u0131lar\u0131n m\u0259lumatl\u0131l\u0131\u011f\u0131n\u0131n y\u00fcks\u0259ldilm\u0259si istiqam\u0259tind\u0259 yeni imkanlar yarad\u0131r\u201d.(Az\u0259rtac)<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>D\u00fczg\u00fcn.az x\u0259b\u0259r verir ki, Az\u0259rbaycanda k\u00f6n\u00fcll\u00fc kredit qada\u011fas\u0131 mexanizminin t\u0259tbiqi \u00fczr\u0259 i\u015fl\u0259r yekunla\u015fma m\u0259rh\u0259l\u0259sind\u0259dir. Bu mexanizm vasit\u0259sil\u0259 v\u0259t\u0259nda\u015flar<\/p>\n","protected":false},"author":2,"featured_media":20920,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18,1],"tags":[],"class_list":["post-20919","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-iqtisadiyyat","category-esas"],"_links":{"self":[{"href":"https:\/\/duzgun.az\/index.php?rest_route=\/wp\/v2\/posts\/20919","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/duzgun.az\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/duzgun.az\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/duzgun.az\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/duzgun.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=20919"}],"version-history":[{"count":1,"href":"https:\/\/duzgun.az\/index.php?rest_route=\/wp\/v2\/posts\/20919\/revisions"}],"predecessor-version":[{"id":20921,"href":"https:\/\/duzgun.az\/index.php?rest_route=\/wp\/v2\/posts\/20919\/revisions\/20921"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/duzgun.az\/index.php?rest_route=\/wp\/v2\/media\/20920"}],"wp:attachment":[{"href":"https:\/\/duzgun.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=20919"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/duzgun.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=20919"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/duzgun.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=20919"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}