{"id":23115,"date":"2026-04-21T12:31:22","date_gmt":"2026-04-21T12:31:22","guid":{"rendered":"https:\/\/millitv.net\/?p=23115"},"modified":"2026-04-21T12:31:23","modified_gmt":"2026-04-21T12:31:23","slug":"az%c9%99rbaycanda-yeni-kredit-modeli-yaradila-bil%c9%99r-bundan-sonra-banklarla-yanasi-h%c9%99m-d%c9%99","status":"publish","type":"post","link":"https:\/\/millitv.net\/?p=23115","title":{"rendered":"Az\u0259rbaycanda yeni kredit modeli yarad\u0131la bil\u0259r &#8211;\u00a0Bundan sonra banklarla yana\u015f\u0131 h\u0259m d\u0259&#8230;"},"content":{"rendered":"\n<p><strong>Qlobal maliyy\u0259 bazarlar\u0131nda s\u00fcr\u0259tl\u0259 b\u00f6y\u00fcy\u0259n \u00f6z\u0259l kredit modeli \u0259n\u0259n\u0259vi bank kreditl\u0259rin\u0259 alternativ kimi getdikc\u0259 daha \u00e7ox diqq\u0259t \u00e7\u0259kir. Bank vasit\u0259\u00e7iliyini aradan qald\u0131ran bu yana\u015fman\u0131n h\u0259m investorlar, h\u0259m d\u0259 \u015firk\u0259tl\u0259r \u00fc\u00e7\u00fcn yeni imkanlar yaratd\u0131\u011f\u0131 bildirilir.<\/strong><\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>B\u0259s \u00f6z\u0259l kredit \u0259n\u0259n\u0259vi bank kreditl\u0259rind\u0259n hans\u0131 \u00fcst\u00fcnl\u00fckl\u0259ri il\u0259 f\u0259rql\u0259nir v\u0259 bu model Az\u0259rbaycanda t\u0259tbiq oluna bil\u0259rmi?<\/p>\n<\/blockquote>\n\n\n\n<p>M\u00f6vzu il\u0259 ba\u011fl\u0131\u00a0KONKRET.az-a a\u00e7\u0131qlama ver\u0259n iqtisad\u00e7\u0131 ekspert \u018fkr\u0259m H\u0259s\u0259nov bildirib ki, \u00f6z\u0259l kreditl\u0259\u015fm\u0259nin \u0259sas \u00fcst\u00fcnl\u00fcy\u00fc bank kimi maliyy\u0259 vasit\u0259\u00e7isinin aradan \u00e7\u0131xmas\u0131d\u0131r.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Onun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, bu modeld\u0259 borc ver\u0259nl\u0259 borc alan birba\u015fa m\u00fcqavil\u0259 ba\u011flay\u0131r ki, bu da h\u0259m investor, h\u0259m d\u0259 borcalan \u00fc\u00e7\u00fcn daha s\u0259rf\u0259li \u015f\u0259rtl\u0259r yarada bil\u0259r.<\/p>\n<\/blockquote>\n\n\n\n<p>\u201cBank modelind\u0259 \u0259man\u0259t\u00e7i \u00f6z v\u0259saitini m\u00fc\u0259yy\u0259n faizl\u0259 banka yerl\u0259\u015fdirir, bank is\u0259 h\u0259min v\u0259saiti daha y\u00fcks\u0259k faizl\u0259 kredit kimi t\u0259qdim edir. Bu f\u0259rqd\u0259n g\u0259lir qazan\u0131r. \u00d6z\u0259l kredit modelind\u0259 is\u0259 bu marja aradan qalx\u0131r.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u018fman\u0259t\u00e7i v\u0259 ya investor v\u0259saiti birba\u015fa borcalana t\u0259qdim ets\u0259, daha y\u00fcks\u0259k g\u0259lir \u0259ld\u0259 ed\u0259c\u0259k. Eyni zamanda borcalan da daha a\u015fa\u011f\u0131 faizl\u0259 maliyy\u0259 c\u0259lb etmi\u015f olar. Bu, h\u0259r iki t\u0259r\u0259f \u00fc\u00e7\u00fcn s\u0259rf\u0259lidir\u201d, \u2013 dey\u0259 o, vur\u011fulay\u0131b.<\/p>\n<\/blockquote>\n\n\n\n<p>\u018f.H\u0259s\u0259novun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, \u00f6z\u0259l kredit modelinin \u00fcst\u00fcnl\u00fckl\u0259ri il\u0259 yana\u015f\u0131, m\u00fc\u0259yy\u0259n riskl\u0259ri d\u0259 m\u00f6vcuddur.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u201cBanklar kredit riskl\u0259rinin idar\u0259 olunmas\u0131nda pe\u015f\u0259kar institutlard\u0131r, dig\u0259r investorlar \u2013 m\u0259s\u0259l\u0259n, pensiya fondlar\u0131 v\u0259 ya s\u0131\u011forta t\u0259\u015fkilatlar\u0131 is\u0259 bu sah\u0259d\u0259 ixtisasla\u015fmaya bil\u0259r.<\/p>\n<\/blockquote>\n\n\n\n<p>Bu model daha \u00e7ox riskl\u0259rin a\u015fa\u011f\u0131, h\u00fcquqi v\u0259 institusional m\u00fchitin daha etibarl\u0131 oldu\u011fu \u00f6lk\u0259l\u0259rd\u0259 effektiv i\u015fl\u0259yir. Burada \u0259sas m\u0259s\u0259l\u0259 riskl\u0259rin d\u00fczg\u00fcn qiym\u0259tl\u0259ndirilm\u0259sidir. H\u0259r\u0259 \u00f6z i\u015fi il\u0259 m\u0259\u015f\u011ful olmal\u0131d\u0131r. Buna g\u00f6r\u0259 d\u0259 \u00f6z\u0259l kredit bazar\u0131 daha \u00e7ox inki\u015faf etmi\u015f maliyy\u0259 sisteml\u0259rind\u0259 u\u011furlu n\u0259tic\u0259 verir\u201d, \u2013 dey\u0259 o, \u0259lav\u0259 edib.<\/p>\n\n\n\n<p>\u018fkr\u0259m H\u0259s\u0259nov yax\u0131n perspektivd\u0259 Az\u0259rbaycanda bu modelin geni\u015f t\u0259tbiqini g\u00f6zl\u0259m\u0259diyini d\u0259 bildirib. Onun fikrinc\u0259, bunun \u00fc\u00e7\u00fcn uy\u011fun bazar infrastrukturu v\u0259 risk idar\u0259etm\u0259 mexanizml\u0259ri formala\u015fmal\u0131d\u0131r.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Qlobal maliyy\u0259 bazarlar\u0131nda s\u00fcr\u0259tl\u0259 b\u00f6y\u00fcy\u0259n \u00f6z\u0259l kredit modeli \u0259n\u0259n\u0259vi bank kreditl\u0259rin\u0259 alternativ kimi getdikc\u0259 daha \u00e7ox diqq\u0259t \u00e7\u0259kir. Bank vasit\u0259\u00e7iliyini aradan qald\u0131ran bu yana\u015fman\u0131n h\u0259m investorlar, h\u0259m d\u0259 \u015firk\u0259tl\u0259r \u00fc\u00e7\u00fcn yeni imkanlar yaratd\u0131\u011f\u0131 bildirilir. B\u0259s \u00f6z\u0259l kredit \u0259n\u0259n\u0259vi bank kreditl\u0259rind\u0259n hans\u0131 \u00fcst\u00fcnl\u00fckl\u0259ri il\u0259 f\u0259rql\u0259nir v\u0259 bu model Az\u0259rbaycanda t\u0259tbiq oluna bil\u0259rmi? M\u00f6vzu il\u0259 ba\u011fl\u0131\u00a0KONKRET.az-a a\u00e7\u0131qlama &hellip;<\/p>\n","protected":false},"author":1,"featured_media":23116,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-23115","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-idman"],"_links":{"self":[{"href":"https:\/\/millitv.net\/index.php?rest_route=\/wp\/v2\/posts\/23115","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/millitv.net\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/millitv.net\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/millitv.net\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/millitv.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=23115"}],"version-history":[{"count":1,"href":"https:\/\/millitv.net\/index.php?rest_route=\/wp\/v2\/posts\/23115\/revisions"}],"predecessor-version":[{"id":23117,"href":"https:\/\/millitv.net\/index.php?rest_route=\/wp\/v2\/posts\/23115\/revisions\/23117"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/millitv.net\/index.php?rest_route=\/wp\/v2\/media\/23116"}],"wp:attachment":[{"href":"https:\/\/millitv.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=23115"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/millitv.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=23115"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/millitv.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=23115"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}