{"id":70922,"date":"2026-02-14T14:31:57","date_gmt":"2026-02-14T10:31:57","guid":{"rendered":"https:\/\/azerbaycan.media\/?p=70922"},"modified":"2026-02-14T14:31:57","modified_gmt":"2026-02-14T10:31:57","slug":"sp-az%c9%99rbaycanda-oz%c9%99l-sektorun-borclanma-s%c9%99viyy%c9%99si-regionun-bir-cox-olk%c9%99sind%c9%99n-asagidir","status":"publish","type":"post","link":"https:\/\/azerbaycan.media\/?p=70922","title":{"rendered":"S&#038;P: Az\u0259rbaycanda \u00f6z\u0259l sektorun borclanma s\u0259viyy\u0259si regionun bir \u00e7ox \u00f6lk\u0259sind\u0259n a\u015fa\u011f\u0131d\u0131r"},"content":{"rendered":"<div class=\"relative basis-auto flex-col -mb-(--composer-overlap-px) [--composer-overlap-px:28px] grow flex\">\n<div class=\"flex flex-col text-sm pb-25\">\n<article class=\"text-token-text-primary w-full focus:outline-none [--shadow-height:45px] has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" tabindex=\"-1\" data-turn-id=\"request-WEB:8faa69a5-d26a-44f6-ac5a-eb5e36c1695a-22\" data-testid=\"conversation-turn-22\" data-scroll-anchor=\"true\" data-turn=\"assistant\">\n<div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:--spacing(4)] @w-sm\/main:[--thread-content-margin:--spacing(6)] @w-lg\/main:[--thread-content-margin:--spacing(16)] px-(--thread-content-margin)\">\n<div class=\"[--thread-content-max-width:40rem] @w-lg\/main:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\" tabindex=\"-1\">\n<div class=\"flex max-w-full flex-col grow\">\n<div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-1\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"de9ae25a-6098-48ba-8f0f-e9e717351b8a\" data-message-model-slug=\"gpt-5-2\">\n<div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[1px]\">\n<div class=\"markdown prose dark:prose-invert w-full wrap-break-word light markdown-new-styling\">\n<h2 data-start=\"0\" data-end=\"93\"><\/h2>\n<p data-start=\"95\" data-end=\"345\"><strong>Az\u0259rbaycan.media<\/strong> x\u0259b\u0259r verir ki, Az\u0259rbaycanda \u00f6z\u0259l sektorun \u00dcDM-\u0259 nisb\u0259td\u0259 borclanma s\u0259viyy\u0259si t\u0259xmin\u0259n 26% t\u0259\u015fkil edir. Bu g\u00f6st\u0259rici G\u00fcrc\u00fcstan, Erm\u0259nistan v\u0259 \u00d6zb\u0259kistanla m\u00fcqayis\u0259d\u0259 daha a\u015fa\u011f\u0131, Qazax\u0131stan v\u0259 Q\u0131r\u011f\u0131z\u0131stan\u0131n s\u0259viyy\u0259sin\u0259 is\u0259 uy\u011fundur.<\/p>\n<p data-start=\"347\" data-end=\"476\">Bu bar\u0259d\u0259 <span class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"><span class=\"whitespace-normal\">S&amp;P Global Ratings<\/span><\/span> beyn\u0259lxalq reytinq agentliyi a\u00e7\u0131qlama yay\u0131b.<\/p>\n<p data-start=\"478\" data-end=\"698\">Agentliyin qiym\u0259tl\u0259ndirm\u0259sin\u0259 \u0259sas\u0259n, regionda xarici valyutada kreditl\u0259\u015fm\u0259nin pay\u0131 \u0259n a\u015fa\u011f\u0131 olan \u00f6lk\u0259 d\u0259 Az\u0259rbaycand\u0131r. 2025-ci ilin sonuna olan g\u00f6st\u0259ricil\u0259r\u0259 g\u00f6r\u0259, valyuta kreditl\u0259rinin pay\u0131 t\u0259xmin\u0259n 16% t\u0259\u015fkil edib.<\/p>\n<p data-start=\"700\" data-end=\"978\">S&amp;P-nin proqnozlar\u0131na g\u00f6r\u0259, Az\u0259rbaycanda kreditl\u0259\u015fm\u0259nin art\u0131m tempinin 2026-c\u0131 ild\u0259 10\u201312%-\u0259 q\u0259d\u0259r yava\u015flayaca\u011f\u0131 g\u00f6zl\u0259nilir ki, bu da 2025-ci ilin s\u0259viyy\u0259sin\u0259 uy\u011fun olacaq. M\u00fcqayis\u0259 \u00fc\u00e7\u00fcn qeyd olunub ki, \u0259vv\u0259lki d\u00f6rd ild\u0259 kredit portfelinin orta illik art\u0131m\u0131 t\u0259xmin\u0259n 18% olub.<\/p>\n<p data-start=\"980\" data-end=\"1255\">Agentlik \u0259lav\u0259 edib ki, iqtisadi art\u0131m\u0131n neft v\u0259 qaz hasilat\u0131nda dur\u011funluq fonunda z\u0259ifl\u0259m\u0259si proqnozla\u015fd\u0131r\u0131lsa da, Beyn\u0259lxalq Maliyy\u0259 Hesabat\u0131 Standartlar\u0131na uy\u011fun olaraq sistem \u00fczr\u0259 3-c\u00fc m\u0259rh\u0259l\u0259 problemli kreditl\u0259rin pay\u0131n\u0131n 4,5\u20135% interval\u0131nda sabit qalaca\u011f\u0131 g\u00f6zl\u0259nilir.<\/p>\n<p data-start=\"1257\" data-end=\"1606\" data-is-last-node=\"\" data-is-only-node=\"\">S&amp;P-nin qiym\u0259tl\u0259ndirm\u0259sin\u0259 \u0259sas\u0259n, 2026-c\u0131 ild\u0259 milli standartlar \u00fczr\u0259 kredit x\u0259rcl\u0259ri 1,1\u20131,4% s\u0259viyy\u0259sind\u0259 formala\u015facaq. Bildirilib ki, milli standartlara uy\u011fun ehtiyat ay\u0131rma t\u0259l\u0259bl\u0259ri beyn\u0259lxalq standartlarla m\u00fcqayis\u0259d\u0259 daha s\u0259rt oldu\u011fundan, banklar\u0131n BMHS 9-a ke\u00e7idind\u0259n sonra ehtiyatlar\u0131n h\u0259cminin \u0259h\u0259miyy\u0259tli d\u0259r\u0259c\u0259d\u0259 azald\u0131lmas\u0131 g\u00f6zl\u0259nilmir.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"z-0 flex min-h-[46px] justify-start\"><\/div>\n<div class=\"mt-3 w-full empty:hidden\">\n<div class=\"text-center\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/article>\n<\/div>\n<div class=\"pointer-events-none h-px w-px absolute bottom-0\" aria-hidden=\"true\" data-edge=\"true\"><\/div>\n<\/div>\n<div id=\"thread-bottom-container\" class=\"sticky bottom-0 group\/thread-bottom-container relative isolate z-10 w-full basis-auto has-data-has-thread-error:pt-2 has-data-has-thread-error:[box-shadow:var(--sharp-edge-bottom-shadow)] md:border-transparent md:pt-0 dark:border-white\/20 md:dark:border-transparent print:hidden content-fade single-line flex flex-col\">\n<div class=\"relative h-0\"><\/div>\n<div id=\"thread-bottom\">\n<div class=\"text-base mx-auto [--thread-content-margin:--spacing(4)] @w-sm\/main:[--thread-content-margin:--spacing(6)] @w-lg\/main:[--thread-content-margin:--spacing(16)] px-(--thread-content-margin)\">\n<div class=\"[--thread-content-max-width:40rem] @w-lg\/main:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 mb-4\">\n<div class=\"flex justify-center empty:hidden\"><\/div>\n<div class=\"pointer-events-auto relative z-1 flex h-(--composer-container-height,100%) max-w-full flex-(--composer-container-flex,1) flex-col\">\n<div class=\"absolute start-0 end-0 bottom-full z-20\"><\/div>\n<form class=\"group\/composer w-full\" data-type=\"unified-composer\">\n<div class=\"hidden\"><\/div>\n<div class=\"\">\n<div class=\"bg-token-bg-primary corner-superellipse\/1.1 cursor-text overflow-clip bg-clip-padding p-2.5 contain-inline-size motion-safe:transition-colors motion-safe:duration-200 motion-safe:ease-in-out dark:bg-[#303030] grid grid-cols-[auto_1fr_auto] [grid-template-areas:'header_header_header'_'leading_primary_trailing'_'._footer_.'] group-data-expanded\/composer:[grid-template-areas:'header_header_header'_'primary_primary_primary'_'leading_footer_trailing'] shadow-short\" data-composer-surface=\"true\">\n<div class=\"-my-2.5 flex min-h-14 items-center overflow-x-hidden px-1.5 [grid-area:primary] group-data-expanded\/composer:mb-0 group-data-expanded\/composer:px-2.5\">\n<div class=\"wcDTda_prosemirror-parent text-token-text-primary max-h-[max(30svh,5rem)] max-h-52 min-h-[var(--deep-research-composer-extra-height,unset)] flex-1 overflow-auto [scrollbar-width:thin] default-browser vertical-scroll-fade-mask\">\n<div id=\"prompt-textarea\" class=\"ProseMirror\" contenteditable=\"true\" translate=\"no\" data-virtualkeyboard=\"true\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/form>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Az\u0259rbaycan.media x\u0259b\u0259r verir ki, Az\u0259rbaycanda \u00f6z\u0259l sektorun \u00dcDM-\u0259 nisb\u0259td\u0259 borclanma s\u0259viyy\u0259si t\u0259xmin\u0259n 26% t\u0259\u015fkil edir. Bu g\u00f6st\u0259rici G\u00fcrc\u00fcstan, Erm\u0259nistan v\u0259 \u00d6zb\u0259kistanla m\u00fcqayis\u0259d\u0259 daha a\u015fa\u011f\u0131, Qazax\u0131stan v\u0259 Q\u0131r\u011f\u0131z\u0131stan\u0131n s\u0259viyy\u0259sin\u0259 is\u0259 uy\u011fundur.&hellip; <\/p>\n","protected":false},"author":537,"featured_media":70923,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[77],"tags":[],"class_list":["post-70922","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-maliyy"],"_links":{"self":[{"href":"https:\/\/azerbaycan.media\/index.php?rest_route=\/wp\/v2\/posts\/70922","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\/537"}],"replies":[{"embeddable":true,"href":"https:\/\/azerbaycan.media\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=70922"}],"version-history":[{"count":2,"href":"https:\/\/azerbaycan.media\/index.php?rest_route=\/wp\/v2\/posts\/70922\/revisions"}],"predecessor-version":[{"id":70925,"href":"https:\/\/azerbaycan.media\/index.php?rest_route=\/wp\/v2\/posts\/70922\/revisions\/70925"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/azerbaycan.media\/index.php?rest_route=\/wp\/v2\/media\/70923"}],"wp:attachment":[{"href":"https:\/\/azerbaycan.media\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=70922"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/azerbaycan.media\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=70922"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/azerbaycan.media\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=70922"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}