{"id":5334,"date":"2023-10-26T12:23:36","date_gmt":"2023-10-26T12:23:36","guid":{"rendered":"https:\/\/millinews.az\/xeber\/dunya-iqtisadiyyati-qizir-v%C9%99ziyy%C9%99td%C9%99n-cixis-yolu-n%C9%99dir\/"},"modified":"2023-10-26T12:23:36","modified_gmt":"2023-10-26T12:23:36","slug":"dunya-iqtisadiyyati-qizir-v%C9%99ziyy%C9%99td%C9%99n-cixis-yolu-n%C9%99dir","status":"publish","type":"post","link":"https:\/\/millitv.net\/?p=5334","title":{"rendered":"D\u00fcnya iqtisadiyyat\u0131 &#8220;q\u0131z\u0131r&#8221;: V\u0259ziyy\u0259td\u0259n \u00e7\u0131x\u0131\u015f yolu n\u0259dir?"},"content":{"rendered":"<div id=\"maincontent\">&#13;<br \/>\n        &#13;<\/p>\n<p><strong> \u201cD\u00fcnyan\u0131n inki\u015faf etmi\u015f \u00f6lk\u0259l\u0259rind\u0259 10- 12 ild\u0259n bir m\u00fc\u0259yy\u0259n \u00e7\u00f6km\u0259l\u0259r, krizisl\u0259r, dur\u011funluqlar ba\u015f verir. Bu t\u0259biidir, \u00e7\u00fcnki iqtisadiyyat davaml\u0131 olaraq q\u0131za, inki\u015faf ed\u0259 bilm\u0259z. M\u0259hz bu s\u0259b\u0259bd\u0259n bir \u00e7ox hallarda t\u0259nziml\u0259n\u0259n b\u00f6hranlar\u0131n \u015fahidi oluruq\u201d.<\/strong>  <\/p>\n<p>Bu fikirl\u0259ri <a href=\"https:\/\/Millinews.az\" target=\"_blank\" class=\"kw-link\" rel=\"noopener\">Millinews.az<\/a>-a a\u00e7\u0131qlamas\u0131nda<strong> iqtisad\u00e7\u0131 Elman Sad\u0131qov <\/strong>deyib. D\u00fcnya bank sistemind\u0259 makroiqtisadi g\u00f6st\u0259ricil\u0259r pisl\u0259\u015fdikd\u0259 hans\u0131 qoruyucu mexanizml\u0259r i\u015f\u0259 d\u00fc\u015fd\u00fcy\u00fc sual\u0131na cavab ver\u0259n eskpert vur\u011fulad\u0131 ki, bu halda iqtisadiyyatda soyuma prosesi ba\u015flay\u0131r: &#13;\n  <\/p>\n<p>\u201cH\u0259r bir \u00f6lk\u0259nin \u00f6z\u00fcn\u0259m\u0259xsus iqtisadi konyukturas\u0131 var. M\u0259s\u0259l\u0259n, \u0259g\u0259r d\u00fcnya bazar\u0131nda neftin qiym\u0259ti d\u00fc\u015f\u0259rs\u0259 bizim yenid\u0259n ciddi qay\u011f\u0131lar\u0131m\u0131z formala\u015fa bil\u0259r. Bu qay\u011f\u0131lar bank sektoruna da t\u0259sir edir. D\u00fczg\u00fcn stress test apar\u0131larsa, riskl\u0259r davaml\u0131 olaraq \u00f6l\u00e7\u00fcl\u0259rs\u0259, bir s\u0131ra g\u00f6zl\u0259nil\u0259n probleml\u0259ri \u00f6nc\u0259d\u0259n a\u015fkar etm\u0259k m\u00fcmk\u00fcn olur. \u018flb\u0259tt\u0259 burada g\u00f6zl\u0259nilm\u0259y\u0259n riskl\u0259r kateqoriyas\u0131 da m\u00f6vcuddur ki, bu ba\u015fqa bir m\u00f6vzudur. Lakin, g\u00f6zl\u0259nilm\u0259z riskl\u0259rin d\u0259 \u00f6zl\u0259ri \u00fc\u00e7\u00fcn d\u0259 rezervl\u0259rin ayr\u0131lmas\u0131 v\u0259 riskl\u0259rin yum\u015fald\u0131lmas\u0131 qaydalar\u0131 m\u00f6vcuddur. H\u0259r hans\u0131 bir bankda bu g\u00fcn m\u00f6vcud olmayan probleml\u0259r, makroiqtisadi t\u0259lat\u00fcml\u0259r v\u0259 yaxud neft qiym\u0259tl\u0259rind\u0259 v\u0259 valyuta daxilolmalar\u0131nda azalmalar ba\u015f verdikd\u0259 v\u0259 yaxud devalvasiya t\u0259hl\u00fck\u0259si yarand\u0131qda real sektor v\u0259 bank-maliyy\u0259 sektoru \u00fc\u00e7\u00fcn hans\u0131 daha ciddi t\u0259zyiq formala\u015fd\u0131ra bil\u0259r onu m\u00fc\u0259yy\u0259n etm\u0259k m\u00fcmk\u00fcnd\u00fcr\u201d. <\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/Millinews.az\/uploads\/323\/cbc168da99-31158390155859502047996138449550081484277232n.jpg\" width=\"325\" height=\"330\" style=\"width: 325px; height: 330px;\" alt=\"\" title=\"\"><\/p>\n<p><strong>T\u0259zyiqd\u0259n dolay\u0131 yaranan z\u0259r\u0259rin d\u00fczg\u00fcn hesablanmas\u0131n\u0131\u0259sas \u015f\u0259rtl\u0259rd\u0259n hesab ed\u0259n Elman Sad\u0131qov bildirdi ki, devalvasiya zaman\u0131 faktiki z\u0259r\u0259r \u00f6nc\u0259d\u0259n g\u00f6zl\u0259nil\u0259n z\u0259r\u0259rd\u0259n \u00e7ox olur:<\/strong>  <\/p>\n<p>\u201cBu z\u0259r\u0259r kumulyativ xaraktlerli olur v\u0259 qar\u015f\u0131s\u0131 al\u0131nmad\u0131qda getdikc\u0259 art\u0131r. Haz\u0131rda m\u00fcsb\u0259t t\u0259r\u0259fl\u0259r d\u0259 \u00e7oxdur. Bunlardan biri d\u0259, bank sektorunun bu g\u00fcn kifay\u0259t q\u0259d\u0259r y\u00fcks\u0259k kapital adekvatl\u0131\u011f\u0131, dayan\u0131ql\u0131\u011f\u0131n\u0131n olmas\u0131d\u0131r. H\u0259tta bu adekvatl\u0131q \u0259msallar\u0131 b\u0259zi Avropa \u00f6lk\u0259l\u0259rinin banklar\u0131ndan da y\u00fcks\u0259kdir.  <\/p>\n<p>Diqq\u0259t yetirilm\u0259li \u0259sas m\u0259s\u0259l\u0259 bank sektorunun son d\u00f6rd-be\u015f il \u0259rzind\u0259 \u00fcmumdaxili m\u0259hsulun, ba\u015fqa s\u00f6zl\u0259 des\u0259k iqtisadiyyat\u0131n art\u0131m tempind\u0259n gerid\u0259 qalmas\u0131d\u0131r. Bunun bir ne\u00e7\u0259 obyektiv v\u0259 subyektiv s\u0259b\u0259bl\u0259ri var. Rusiya Ukrayna m\u00fcharib\u0259si n\u0259tic\u0259sind\u0259 qaz\u0131n qiym\u0259ti artd\u0131. Bizim qaz g\u0259lirl\u0259rimiz \u00e7oxald\u0131. Neftin g\u00fcnd\u0259lik orta qiym\u0259tl\u0259ri stabil olaraq y\u00fcks\u0259k oldu. N\u0259tic\u0259d\u0259, bizim 130 milyard manat \u00fcz\u0259rind\u0259 \u00fcmum daxili m\u0259hsulumuz formala\u015fd\u0131. Bank sektorunda is\u0259 bu temp a\u015fa\u011f\u0131 oldu v\u0259 \u00dcDM il\u0259 bank sektorunun b\u00f6y\u00fckl\u00fcy\u00fc aras\u0131nda q\u0259p yarand\u0131. \u0130lk bax\u0131\u015fda bu q\u0259p real sektorun xeyrin\u0259 g\u00f6r\u00fcns\u0259 d\u0259, neft v\u0259 qaz amilini n\u0259z\u0259r\u0259 almal\u0131y\u0131q. N\u0259tic\u0259d\u0259 paradoksal v\u0259ziyy\u0259t yaran\u0131r\u201d.    <\/p>\n<p><strong>Elman Sad\u0131qov vur\u011fulad\u0131 ki, iqtisadi art\u0131m tempi bank sektorunda s\u00fcstl\u00fck formala\u015fd\u0131r\u0131r, istehlak kreditl\u0259ri is\u0259 borclanman\u0131 art\u0131raraq qeyri-neft sektoru, o c\u00fcml\u0259d\u0259n xidm\u0259t sektorunun n\u00f6vb\u0259ti ill\u0259rd\u0259 inki\u015faf\u0131n\u0131 l\u0259ngid\u0259 bil\u0259c\u0259k riskl\u0259r formala\u015fd\u0131r\u0131r:<\/strong>  <\/p>\n<p>\u201cBir t\u0259r\u0259fd\u0259n bu sektorlar\u0131n kreditl\u0259\u015fm\u0259si z\u0259ifdir, dig\u0259r t\u0259r\u0259fd\u0259n \u0259hali qazanc\u0131n\u0131n bir hiss\u0259sini kredit \u00f6d\u0259ni\u015fl\u0259rin\u0259 y\u00f6n\u0259ltdiyi \u00fc\u00e7\u00fcn pulun iqtisadiyyatda d\u00f6vriyy\u0259si z\u0259ifl\u0259yir. Geni\u015f v\u0259 d\u0259rin m\u0259s\u0259l\u0259dir, d\u00fc\u015f\u00fcn\u00fcr\u0259m ki, qeyd etdikl\u0259rim m\u00fc\u0259yy\u0259n t\u0259s\u0259vv\u00fcrl\u0259r formala\u015fd\u0131rd\u0131. H\u0259r bir halda bu g\u00fcn bank sektoru iqtisadiyyatla paralel add\u0131mlaya bilm\u0259s\u0259 d\u0259, iqtisadi imkanlardan maksimum istifad\u0259 etm\u0259y\u0259 \u00e7al\u0131\u015faraq real sektorla sinerji yaratmas\u0131 \u00e7ox \u00f6n\u0259mlidir\u201d.<\/p>\n<p><span\/>G\u00fclb\u0259niz H\u00fcseynli \/ <a href=\"https:\/\/Millinews.az\" target=\"_blank\" class=\"kw-link\" rel=\"noopener\">Millinews.az<\/a>&#13;<br \/>\n        &#13;<br \/>\n&#13;<br \/>\n        &#13;<br \/>\n&#13;\n        <\/p>\n<p><noscript><\/p>\n<p>You must enable Javascript on your browser for the site to work optimally and display sections completely.<\/p>\n<p><\/noscript>\t\t&#13;<br \/>\n\t\t&#13;\n    <\/div>\n<p><script type=\"text\/javascript\">jQuery(document).ready(function () {\n(function(d, s, id) {\n    var js, fjs = d.getElementsByTagName(s)[0];\n    if (d.getElementById(id))\n        return;\n    js = d.createElement(s);\n    js.id = id;\n    js.src = \"\/\/connect.facebook.net\/az_AZ\/all.js#xfbml=1&appId=1002485763137712\";\n    fjs.parentNode.insertBefore(js, fjs);\n}(document, 'script', 'facebook-jssdk'));                \n});<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&#13; &#13; \u201cD\u00fcnyan\u0131n inki\u015faf etmi\u015f \u00f6lk\u0259l\u0259rind\u0259 10- 12 ild\u0259n bir m\u00fc\u0259yy\u0259n \u00e7\u00f6km\u0259l\u0259r, krizisl\u0259r, dur\u011funluqlar ba\u015f verir. Bu t\u0259biidir, \u00e7\u00fcnki iqtisadiyyat davaml\u0131 olaraq q\u0131za, inki\u015faf ed\u0259 bilm\u0259z. M\u0259hz bu s\u0259b\u0259bd\u0259n bir \u00e7ox hallarda t\u0259nziml\u0259n\u0259n b\u00f6hranlar\u0131n \u015fahidi oluruq\u201d. Bu fikirl\u0259ri Millinews.az-a a\u00e7\u0131qlamas\u0131nda iqtisad\u00e7\u0131 Elman Sad\u0131qov deyib. D\u00fcnya bank sistemind\u0259 makroiqtisadi g\u00f6st\u0259ricil\u0259r pisl\u0259\u015fdikd\u0259 hans\u0131 qoruyucu mexanizml\u0259r i\u015f\u0259 d\u00fc\u015fd\u00fcy\u00fc &hellip;<\/p>\n","protected":false},"author":1,"featured_media":5335,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"class_list":["post-5334","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-xeber"],"_links":{"self":[{"href":"https:\/\/millitv.net\/index.php?rest_route=\/wp\/v2\/posts\/5334","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=5334"}],"version-history":[{"count":0,"href":"https:\/\/millitv.net\/index.php?rest_route=\/wp\/v2\/posts\/5334\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/millitv.net\/index.php?rest_route=\/wp\/v2\/media\/5335"}],"wp:attachment":[{"href":"https:\/\/millitv.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=5334"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/millitv.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=5334"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/millitv.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=5334"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}