M\u0259rk\u0259zi Bank iki bank olmayan kredit t\u0259\u015fkilat\u0131n\u0131n lisenziyas\u0131n\u0131 l\u0259\u011fv edib.<\/p>\n
Bu bar\u0259d\u0259 \u201cAPA-Economics\u201d\u0259 Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131ndan bildirilib.<\/p>\n
<\/p>\n
M\u0259lumata g\u00f6r\u0259, kapital\u0131n minimum miqdar\u0131 t\u0259l\u0259bin\u0259 \u0259m\u0259l edilm\u0259diyind\u0259n \u201cFinoko\u201d Bank olmayan kredit t\u0259\u015fkilat\u0131 A\u00e7\u0131q S\u0259hmdar C\u0259miyy\u0259ti v\u0259 \u201c\u0130cra\u00e7\u0131 Kredit Agentliyi\u201d M\u0259hdud M\u0259suliyy\u0259tli C\u0259miyy\u0259ti Bank olmayan kredit t\u0259\u015fkilat\u0131na M\u0259rk\u0259zi Bank t\u0259r\u0259find\u0259n icras\u0131 m\u0259cburi olan g\u00f6st\u0259ri\u015fl\u0259r verilmi\u015fdir. Lakin, \u00f6t\u0259n d\u00f6vr \u0259rzind\u0259 bu t\u0259\u015fkilatlar t\u0259r\u0259find\u0259n kapital\u0131n minimum miqdar\u0131 t\u0259l\u0259bin\u0259 \u0259m\u0259l edilm\u0259si istiqam\u0259tind\u0259 z\u0259ruri add\u0131mlar at\u0131lmam\u0131\u015fd\u0131r. Qeyd olunanlar\u0131 n\u0259z\u0259r\u0259 alaraq, \u201cBank olmayan kredit t\u0259\u015fkilatlar\u0131 haqq\u0131nda\u201d Qanunun 25.1.4-c\u00fc madd\u0259sin\u0259 \u0259sas\u0259n f\u0259aliyy\u0259tind\u0259 yol verildiyi pozuntular\u0131n aradan qald\u0131r\u0131lmas\u0131 bar\u0259d\u0259 M\u0259rk\u0259zi Bank\u0131n g\u00f6st\u0259ri\u015fl\u0259rin\u0259 \u0259m\u0259l edilm\u0259m\u0259si il\u0259 \u0259laq\u0259dar \u201cFinoko\u201d BOKT ASC-nin 22.09.2014-c\u00fc il tarixli, BKT-28 n\u00f6mr\u0259li lisenziyas\u0131 v\u0259 \u201c\u0130cra\u00e7\u0131 Kredit Agentliyi\u201d MMC BOKT-nin 25.10.2002-ci il tarixli, 132-QB n\u00f6mr\u0259li lisenziyas\u0131 M\u0259rk\u0259zi Bank\u0131n \u0130dar\u0259 Hey\u0259tinin 29 avqust 2025-ci il tarixli Q\u0259rar\u0131 il\u0259 l\u0259\u011fv edilib.<\/p>\n
Qeyd edilib ki,\u00a0\u201cBank olmayan kredit t\u0259\u015fkilatlar\u0131 haqq\u0131nda\u201d Az\u0259rbaycan Respublikas\u0131n\u0131n Qanununa (Qanun) edilmi\u015f d\u0259yi\u015fikl\u0259r\u0259 \u0259sas\u0259n, el\u0259c\u0259 d\u0259, M\u0259rk\u0259zi Bank\u0131n t\u0259sdiq etdiyi \u201c2024-2026-c\u0131 ill\u0259rd\u0259 maliyy\u0259 sektorunun inki\u015faf\u0131 Strategiyas\u0131\u201dnda m\u00fc\u0259yy\u0259n edilmi\u015f strateji h\u0259d\u0259fl\u0259r \u00e7\u0259r\u00e7iv\u0259sind\u0259 Az\u0259rbaycan Respublikas\u0131 M\u0259rk\u0259zi Bank\u0131n\u0131n \u0130dar\u0259 Hey\u0259tinin m\u00fcvafiq Q\u0259rarlar\u0131 il\u0259 \u201cBank olmayan kredit t\u0259\u015fkilatlar\u0131n\u0131n f\u0259aliyy\u0259tinin prudensial t\u0259nziml\u0259nm\u0259si Qaydas\u0131\u201d (Prudensial Qayda) v\u0259 \u201cBank olmayan kredit t\u0259\u015fkilatlar\u0131nda kredit riskl\u0259rinin idar\u0259 edilm\u0259si Qaydas\u0131\u201d t\u0259sdiq edilib.<\/p>\n
Prudensial Qaydaya \u0259sas\u0259n kommersiya h\u00fcquqi \u015f\u0259xs formas\u0131nda yarad\u0131lan m\u00f6vcud v\u0259 yeni bank olmayan kredit t\u0259\u015fkilatlar\u0131na kapital\u0131n minimum miqdar\u0131 t\u0259l\u0259bi 1 milyon manat m\u0259bl\u0259\u011find\u0259 m\u00fc\u0259yy\u0259n edilmi\u015fdir. Kapital\u0131n minimum miqdar\u0131 t\u0259l\u0259binin bu h\u0259dd\u0259 m\u00fc\u0259yy\u0259n edilm\u0259si bank olmayan kredit t\u0259\u015fkilatlar\u0131n\u0131n daha diversifikasiya olunmu\u015f resurs m\u0259nb\u0259l\u0259rin\u0259 \u00e7\u0131x\u0131\u015f\u0131n\u0131 geni\u015fl\u0259ndirm\u0259kl\u0259 maliyy\u0259 vasit\u0259\u00e7iliyind\u0259 rolunu daha da art\u0131racaqd\u0131r. \u00dcmumilikd\u0259, Qanun v\u0259 qaydalardak\u0131 t\u0259l\u0259bl\u0259r bank olmayan kredit t\u0259\u015fkilatlar\u0131n\u0131n maliyy\u0259 dayan\u0131ql\u0131\u011f\u0131n\u0131n g\u00fccl\u0259ndirilm\u0259si v\u0259 istehlak\u00e7\u0131 h\u00fcquqlar\u0131n\u0131n qorunmas\u0131 m\u0259qs\u0259dini da\u015f\u0131y\u0131r.<\/p>\n
\u201cBank olmayan kredit t\u0259\u015fkilatlar\u0131 haqq\u0131nda\u201d Qanunun 25.4-c\u00fc madd\u0259sin\u0259 \u0259sas\u0259n, bank olmayan kredit t\u0259\u015fkilat\u0131 lisenziyas\u0131n\u0131n l\u0259\u011fv edilm\u0259si haqq\u0131nda q\u0259rar\u0131n q\u00fcvv\u0259y\u0259 mindiyi g\u00fcnd\u0259n f\u0259aliyy\u0259tini dayand\u0131r\u0131r v\u0259 Az\u0259rbaycan Respublikas\u0131n\u0131n M\u00fclki M\u0259c\u0259ll\u0259sind\u0259 m\u00fc\u0259yy\u0259n olunmu\u015f qaydada l\u0259\u011fv edilir.<\/p>\n
Bank olmayan kredit t\u0259\u015fkilatlar\u0131n\u0131n f\u0259aliyy\u0259ti requlyativ t\u0259l\u0259bl\u0259r \u0259sas\u0131nda daim n\u0259zar\u0259td\u0259 saxlan\u0131l\u0131r, \u00fcmumilikd\u0259 t\u0259l\u0259bl\u0259r\u0259, o c\u00fcml\u0259d\u0259n kapital t\u0259l\u0259bl\u0259rin\u0259 \u0259m\u0259l etm\u0259y\u0259n bank olmayan kredit t\u0259\u015fkilatlar\u0131na qar\u015f\u0131 qanunvericilik \u00e7\u0259r\u00e7iv\u0259sind\u0259 z\u0259ruri add\u0131mlar at\u0131lacaq.<\/p>\n","protected":false},"excerpt":{"rendered":"
M\u0259rk\u0259zi Bank iki bank olmayan kredit t\u0259\u015fkilat\u0131n\u0131n lisenziyas\u0131n\u0131 l\u0259\u011fv edib. Bu bar\u0259d\u0259 \u201cAPA-Economics\u201d\u0259 Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131ndan bildirilib. M\u0259lumata g\u00f6r\u0259, kapital\u0131n minimum miqdar\u0131 t\u0259l\u0259bin\u0259 \u0259m\u0259l edilm\u0259diyind\u0259n \u201cFinoko\u201d Bank olmayan kredit… <\/p>\n","protected":false},"author":4,"featured_media":51067,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[61],"tags":[],"class_list":["post-51066","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-iqtisadiyyat"],"_links":{"self":[{"href":"https:\/\/azerbaycan.media\/index.php?rest_route=\/wp\/v2\/posts\/51066","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/azerbaycan.media\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/azerbaycan.media\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/azerbaycan.media\/index.php?rest_route=\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/azerbaycan.media\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=51066"}],"version-history":[{"count":2,"href":"https:\/\/azerbaycan.media\/index.php?rest_route=\/wp\/v2\/posts\/51066\/revisions"}],"predecessor-version":[{"id":51069,"href":"https:\/\/azerbaycan.media\/index.php?rest_route=\/wp\/v2\/posts\/51066\/revisions\/51069"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/azerbaycan.media\/index.php?rest_route=\/wp\/v2\/media\/51067"}],"wp:attachment":[{"href":"https:\/\/azerbaycan.media\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=51066"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/azerbaycan.media\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=51066"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/azerbaycan.media\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=51066"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}