{"id":10417,"date":"2016-03-15T13:17:35","date_gmt":"2016-03-15T09:17:35","guid":{"rendered":"http:\/\/kultur.az\/?p=10417"},"modified":"2016-03-15T13:17:35","modified_gmt":"2016-03-15T09:17:35","slug":"banklar-dollar-bataqligini-d%c9%99rinl%c9%99sdirir-bu-cox-t%c9%99hluk%c9%99lidir","status":"publish","type":"post","link":"https:\/\/kultur.az\/?p=10417","title":{"rendered":"Banklar dollar bataql\u0131\u011f\u0131n\u0131 d\u0259rinl\u0259\u015fdirir \u2013 bu, \u00e7ox t\u0259hl\u00fck\u0259lidir…"},"content":{"rendered":"

\"fikret\"<\/a>Haz\u0131rda \u00f6lk\u0259nin bank sistemind\u0259 m\u00f6vcud olan 43,8 milyard manat \u0259man\u0259t v\u0259 kreditin 29,6 milyard manat\u0131 xarici valyutadad\u0131r. Bu bank sistemind\u0259 olan \u0259man\u0259t v\u0259 kreditl\u0259rin 67,5%-I dem\u0259kdir. Bank sisteminid\u00fc\u015fd\u00fcy\u00fc\u00a0bu durumdan xilas etm\u0259k \u00fc\u00e7\u00fcn kordinal t\u0259dbirl\u0259r g\u00f6r\u00fclm\u0259si t\u0259l\u0259b olunan bir d\u00f6n\u0259md\u0259\u00a0is\u0259 banklar\u00a0m\u00fc\u015ft\u0259ril\u0259ri yaln\u0131z dollar kreditl\u0259ri g\u00f6t\u00fcrm\u0259y\u0259 t\u0259hrik etm\u0259kl\u0259,\u00a0d\u00fc\u015fd\u00fckl\u0259ri bataql\u0131\u011f\u0131 daha da d\u0259rinl\u0259\u015fdirirl\u0259r. Bu yaz\u0131 m\u0259tbuat da i\u015f\u0131q \u00fcz\u00fc g\u00f6r\u0259n\u0259 q\u0259d\u0259r t\u0259\u015fkilat\u0131m\u0131z\u0131n \u0259m\u0259kda\u015flar\u0131 manatla istehlak krediti almaq \u00fc\u00e7\u00fcn 20-y\u0259 q\u0259d\u0259r banka m\u00fcraci\u0259t ets\u0259l\u0259r d\u0259 onlara yaln\u0131z dollarla kredit t\u0259klif olundu.\u00a0Hesab edirik ki, \u00f6z qazanclar\u0131n\u0131 d\u00fc\u015f\u00fcnm\u0259kd\u0259n ba\u015fqa he\u00e7 n\u0259yin f\u0259rqind\u0259 olmayan, y\u00fcng\u00fcl yolla varlanmag\u0131 \u00f6zl\u0259rin\u0259 se\u00e7im etmi\u015f bu banklara, milli valyutam\u0131z\u0131 bel\u0259 a\u015fa\u011f\u0131lamaq imkan\u0131 verm\u0259k olmaz. \u00d6lk\u0259 Prezidentinin manat\u0131n n\u00fcfuzunu b\u0259rpa etm\u0259k yolunda ciddi add\u0131mlar atd\u0131\u011f\u0131 bir d\u00f6n\u0259md\u0259, banklar\u0131n bu \u00f6zba\u015f\u0131nal\u0131\u011f\u0131 ba\u015fa d\u00fc\u015f\u00fcl\u0259n deyil.Manat bu d\u00f6vl\u0259tin milli valyutas\u0131d\u0131r, d\u00f6vl\u0259t\u00e7iliyimizin r\u0259mzidir onu \u0259cn\u0259bi valyutalar\u0131n ayaqlar\u0131 alt\u0131na atmaq \u0259n az\u0131 vicdans\u0131zl\u0131qd\u0131r. Milli valyutaya h\u0259r k\u0259s h\u00f6rm\u0259tl\u0259 yana\u015fma\u011fa borcludur v\u0259 bu i\u015fd\u0259 ham\u0131dan daha \u00e7ox borclu olan da el\u0259 banklar \u00f6zl\u0259ridirl\u0259r. Lakin bu g\u00fcn kredit verdikl\u0259ri m\u00fc\u015ft\u0259ril\u0259rl\u0259 m\u00fcnasib\u0259tl\u0259rd\u0259 b\u00fct\u00fcn oyun qaydalar\u0131n\u0131 birt\u0259r\u0259fli qaydada \u00f6z xeyirl\u0259rin\u0259 m\u00fc\u0259yy\u0259n etmi\u015f banklar,bir t\u0259r\u0259fd\u0259n yeni kreditl\u0259ri yaln\u0131z xarici valyutada t\u0259klif edir, dig\u0259r t\u0259r\u0259fd\u0259n is\u0259 xarici valyutada kredit g\u00f6t\u00fcrm\u00fc\u015f m\u00fc\u015ft\u0259ril\u0259ri m\u00fcxt\u0259lif \u00fcsullarla\u00a0 aldad\u0131rlar.<\/p>\n

Bank sistemind\u0259ki m\u00f6vcud durum \u00a0onun iflas\u0131na, \u0259hali aras\u0131nda is\u0259 ciddi naraz\u0131l\u0131\u011fa g\u0259tirib \u00e7\u0131xara bil\u0259r. Odur ki, yaranm\u0131\u015f v\u0259ziyy\u0259td\u0259n \u00e7\u0131xmaq \u00fc\u00e7\u00fcn \u0259n q\u0131sa vaxtda a\u015fa\u011f\u0131dak\u0131 add\u0131mlar\u0131n at\u0131lmas\u0131n\u0131 z\u0259ruri hesab edirik:<\/p>\n

– Banklar t\u0259r\u0259find\u0259n xarici valyutada kreditl\u0259rin verilm\u0259si qada\u011fan edilsin;<\/p>\n

– Manat\u0131n iki k\u0259skin devalvasiyas\u0131ndan sonra xarici valyuta il\u0259 veril\u0259n kreditl\u0259rin \u00f6d\u0259ni\u015fini h\u0259yata ke\u00e7ir\u0259 bilm\u0259y\u0259n m\u00fc\u015ft\u0259ril\u0259rin i\u015fi banklar t\u0259r\u0259find\u0259n m\u0259hk\u0259m\u0259 m\u00fcst\u0259visin\u0259 \u00e7\u0131xar\u0131ld\u0131\u011f\u0131 hallarda, vaxt\u0131il\u0259 \u00f6lk\u0259 Kostitutsiyas\u0131n\u0131n t\u0259l\u0259bl\u0259rini kobud \u015f\u0259kild\u0259 pozaraq h\u0259m\u0259n m\u00fc\u015ft\u0259ril\u0259r\u0259 he\u00e7 bir se\u00e7im qoymayan v\u0259 onlar\u0131 yaln\u0131z xarici valyutada kredit g\u00f6t\u00fcrm\u0259y\u0259 t\u0259hrik etmi\u015f bank r\u0259hb\u0259rl\u0259ri m\u0259suliyy\u0259t\u0259 c\u0259lb edilsinl\u0259r;<\/p>\n

-Manat\u0131n iki devalvasiyas\u0131na q\u0259d\u0259r banklar\u0131n t\u0259hriki il\u0259 m\u00fc\u015ft\u0259ril\u0259r\u0259 xarici valyutada veril\u0259n kreditl\u0259rin m\u0259z\u0259nn\u0259 f\u0259rqi onlar\u0131n \u00f6z daxili imkanlar\u0131 hesab\u0131na \u00f6d\u0259nilsin. Bunu etm\u0259k ist\u0259m\u0259y\u0259n banklarda is\u0259 h\u0259min kreditl\u0259r sad\u0259c\u0259 olaraq banklar\u0131n z\u0259r\u0259rin\u0259 silinm\u0259si mexanizmi i\u015fl\u0259nib haz\u0131rlans\u0131n v\u0259 t\u0259tbiq edilsin;<\/p>\n

-Banklar\u0131n nizamnam\u0259 kapital\u0131na t\u0259l\u0259b500 milyon manat s\u0259viyy\u0259sin\u0259 \u00e7atd\u0131r\u0131ls\u0131n v\u0259 bu t\u0259l\u0259bi yerin\u0259 yetirm\u0259k \u00fc\u00e7\u00fcn onlara 3 ay vaxt verilsin. Bu t\u0259l\u0259bin formal deyil, real olaraq yerin\u0259 yetirilm\u0259sin\u0259 x\u00fcsusi n\u0259zar\u0259t edilsin v\u0259 n\u0259tic\u0259 etibar\u0131 il\u0259 \u00f6lk\u0259d\u0259 geni\u015f \u015f\u0259b\u0259k\u0259si olan 4-5 bank saxlan\u0131ls\u0131n.<\/p>\n

 <\/p>\n

Fikr\u0259t Yusifov<\/strong><\/p>\n

\u201cEkonomiks\u201d Beyn\u0259lxalq \u0130qtisadi<\/strong><\/p>\n

Ara\u015fd\u0131rmalar Birliyinin s\u0259dri,<\/strong><\/p>\n

Iqtisad elml\u0259ri doktoru, professor\u00a0 \u00a0 \u00a0 \u00a0<\/strong><\/p>\n

Yaz\u0131ya 413 d\u0259f\u0259 bax\u0131l\u0131b<\/p>\n","protected":false},"excerpt":{"rendered":"

Haz\u0131rda \u00f6lk\u0259nin bank sistemind\u0259 m\u00f6vcud olan 43,8 milyard manat \u0259man\u0259t v\u0259 kreditin 29,6 milyard manat\u0131 xarici valyutadad\u0131r. Bu bank sistemind\u0259 olan \u0259man\u0259t v\u0259 kreditl\u0259rin 67,5%-I dem\u0259kdir. Bank sisteminid\u00fc\u015fd\u00fcy\u00fc\u00a0bu durumdan xilas etm\u0259k \u00fc\u00e7\u00fcn kordinal t\u0259dbirl\u0259r g\u00f6r\u00fclm\u0259si t\u0259l\u0259b olunan bir d\u00f6n\u0259md\u0259\u00a0is\u0259 banklar\u00a0m\u00fc\u015ft\u0259ril\u0259ri yaln\u0131z dollar kreditl\u0259ri g\u00f6t\u00fcrm\u0259y\u0259 t\u0259hrik etm\u0259kl\u0259,\u00a0d\u00fc\u015fd\u00fckl\u0259ri bataql\u0131\u011f\u0131 daha da d\u0259rinl\u0259\u015fdirirl\u0259r. Bu yaz\u0131 m\u0259tbuat da i\u015f\u0131q […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[5],"tags":[],"_links":{"self":[{"href":"https:\/\/kultur.az\/index.php?rest_route=\/wp\/v2\/posts\/10417"}],"collection":[{"href":"https:\/\/kultur.az\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kultur.az\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kultur.az\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kultur.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=10417"}],"version-history":[{"count":1,"href":"https:\/\/kultur.az\/index.php?rest_route=\/wp\/v2\/posts\/10417\/revisions"}],"predecessor-version":[{"id":10419,"href":"https:\/\/kultur.az\/index.php?rest_route=\/wp\/v2\/posts\/10417\/revisions\/10419"}],"wp:attachment":[{"href":"https:\/\/kultur.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=10417"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kultur.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=10417"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kultur.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=10417"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}