{"id":104409,"date":"2026-04-03T00:49:31","date_gmt":"2026-04-02T20:49:31","guid":{"rendered":"https:\/\/jam-news.net\/az\/?p=104409"},"modified":"2026-04-03T14:06:21","modified_gmt":"2026-04-03T10:06:21","slug":"az%c9%99rbaycanda-problemli-kreditl%c9%99r","status":"publish","type":"post","link":"https:\/\/jam-news.net\/az\/az%c9%99rbaycanda-problemli-kreditl%c9%99r\/","title":{"rendered":"Az\u0259rbaycanda problemli kreditl\u0259r niy\u0259 art\u0131r?"},"content":{"rendered":"\n<p style=\"font-size:11px\"><strong><em>Az\u0259rbaycanda problemli kreditl\u0259r<\/em><\/strong><\/p>\n\n\n\n<p><strong>\u201cProblemli kredit\u201d \u00f6d\u0259ni\u015f vaxt\u0131 \u00e7atm\u0131\u015f, amma borcalan\u0131n \u00f6d\u0259y\u0259 bilm\u0259diyi kredit\u0259 deyilir. Bu, krediti g\u00f6t\u00fcr\u0259n \u00fc\u00e7\u00fcn stress, bank \u00fc\u00e7\u00fcn risk, iqtisadiyyat \u00fc\u00e7\u00fcn is\u0259 x\u0259b\u0259rdarl\u0131q siqnal\u0131d\u0131r.<\/strong><\/p>\n\n\n\n<p><a href=\"https:\/\/jam-news.net\/az\/category\/cografiya\/az%c9%99rbaycan\/\" target=\"_blank\" rel=\"noreferrer noopener\">Az\u0259rbaycan<\/a> M\u0259rk\u0259zi Bank\u0131n\u0131n (AMB) \u201ckredit t\u0259\u015fkilatlar\u0131n\u0131n kreditl\u0259ri\u201d \u00fczr\u0259 r\u0259smi statistikas\u0131nda 2026-c\u0131 il fevral\u0131n 1-n\u0259 olan r\u0259q\u0259ml\u0259r\u0259 g\u00f6r\u0259,\u00a0\u00f6d\u0259ni\u015f vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rin m\u0259bl\u0259\u011fi 557,5 milyon manat\u00a0<a href=\"https:\/\/uploads.cbar.az\/assets\/5f45e9cd147ea55c0947b44a7.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">g\u00f6st\u0259rilir<\/a>.<\/p>\n\n\n\n<p>Mart\u0131n 1-n\u0259 q\u0259d\u0259r olan r\u0259q\u0259ml\u0259r is\u0259 562 milyon manat t\u0259\u015fkil edir. Bu, fevral\u0131n 1-i il\u0259 m\u00fcqayis\u0259d\u0259 t\u0259xmin\u0259n\u00a00,8%\u00a0art\u0131m dem\u0259kdir.<\/p>\n\n\n\n<p>\u0130llik m\u00fcqayis\u0259ni d\u0259 g\u00f6zl\u0259 g\u00f6r\u00fcn\u0259n ed\u0259k. 2025-ci il mart\u0131n 1-n\u0259 olan <a href=\"https:\/\/report.az\/maliyye-xeberleri\/azerbaycanda-problemli-kreditlerin-meblegi-2-den-cox-artib\" target=\"_blank\" rel=\"noreferrer noopener\">m\u0259lumata g\u00f6r\u0259<\/a>, problemli kreditl\u0259r\u00a0480,1 milyon manat\u00a0olub.\u00a0562 milyon buna nisb\u0259td\u0259 t\u0259xmin\u0259n\u00a017%\u00a0art\u0131m dem\u0259kdir.<\/p>\n\n\n<article class=\"single-card uk-flex uk-flex-between m-b-sm-40\">\n\n  <div class=\"uk-grid wi-full-width\">\n\n    <div class=\"uk-width-2-3 p-t-sm-10\">\n      <a href=\"https:\/\/jam-news.net\/az\/r%c9%99smi-r%c9%99q%c9%99ml%c9%99rin-arxasi\/\" target=\"_blank\">\n\n\n\n\n\n        <h2 class=\"m-b-sm-23 wi-merriweather-light\">\n\t\u201c900 milyon dollarl\u0131q ixrac, 27% art\u0131m\u201d x\u0259b\u0259rl\u0259ri: sevin\u0259k, yoxsa sual ver\u0259k?\n<\/h2>\n\n        <p class=\"paragraph-color-2 m-b-sm-10 m-b-xs-7\">\n  R\u0259q\u0259ml\u0259r \u201cn\u0259 q\u0259d\u0259rdir?\u201d, \u201cniy\u0259 art\u0131b?\u201d kimi suallarla birlikd\u0259 oxunmayanda, oxucuda yanl\u0131\u015f t\u0259\u0259ss\u00fcrat yarad\u0131r.\n<\/p>\n      <\/a>\n    <\/div>\n    <div class=\"uk-width-1-3\">\n      <figure class=\"wi-full-height choose-post__img wi-merriweather-light\">\n  <a class=\"\" href=\"https:\/\/jam-news.net\/az\/r%c9%99smi-r%c9%99q%c9%99ml%c9%99rin-arxasi\/\">\n    <img decoding=\"async\" class=\"wi-full-height wi-ratio-img\" src=\"https:\/\/jam-news.net\/app\/uploads\/2026\/03\/website-format-20.png\" alt=\"R\u0259smi r\u0259q\u0259ml\u0259rin arxas\u0131\" uk-img \/>\n  <\/a>\n<\/figure>\n    <\/div>\n  <\/div>\n<\/article>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"tarix-n\u0259-deyir\">T\u0259cr\u00fcb\u0259 n\u0259 deyir?<\/h2>\n\n\n\n<p>Problemli kredit m\u00f6vzusu Az\u0259rbaycanda bird\u0259n-bir\u0259 yaranmay\u0131b. Bu, bir ne\u00e7\u0259 b\u00f6y\u00fck dal\u011fan\u0131n n\u0259tic\u0259sidir.<\/p>\n\n\n\n<p>\u018fn yadda qalan dal\u011falardan biri 2010-cu ill\u0259rin ortas\u0131d\u0131r.\u00a02015-ci ild\u0259 manat k\u0259skin d\u0259y\u0259r itirdi\u00a0&#8211; devalvasiya oldu (manat ucuzla\u015fd\u0131, dollar bahala\u015fd\u0131).<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Devalvasiyan\u0131n problemli kreditl\u0259 n\u0259 \u0259laq\u0259si var?<\/h4>\n\n\n\n<p>T\u0259s\u0259vv\u00fcr edin ki, siz\u00a010 min dollar\u00a0borc g\u00f6t\u00fcrm\u00fcs\u00fcn\u00fcz. Manat z\u0259ifl\u0259y\u0259nd\u0259 h\u0259min 10 min dollar\u0131n manatla qar\u015f\u0131l\u0131\u011f\u0131 b\u00f6y\u00fcy\u00fcr. Maa\u015f\u0131n\u0131z manatlad\u0131rsa, borc is\u0259 dollarla, siz borcu qaytaranda sanki \u201cborc b\u00f6y\u00fcy\u00fcr\u201d. <\/p>\n\n\n\n<p>M\u0259hz buna g\u00f6r\u0259 2015-d\u0259n sonra problemli kreditl\u0259r k\u0259skin artd\u0131. 2017-ci ilin aprelin 1-n\u0259 problemli kreditl\u0259rin\u00a0<strong>1 milyard 590 milyon manat\u0131<\/strong>\u00a0ke\u00e7m\u0259si buna <a href=\"https:\/\/www.aznews.az\/news\/iqtisadiyyat\/141326.html\" target=\"_blank\" rel=\"noreferrer noopener\">yax\u015f\u0131 n\u00fcmun\u0259dir<\/a>.<\/p>\n\n\n\n<p>Sonra d\u00f6vl\u0259t m\u00fcdaxil\u0259 etdi. 2019-cu ilin fevral\u0131nda problemli kreditl\u0259rin bir hiss\u0259si il\u0259 ba\u011fl\u0131 d\u00f6vl\u0259t mexanizmi i\u015f\u0259 d\u00fc\u015fd\u00fc &#8211; x\u00fcsus\u0259n d\u0259\u00a0fiziki \u015f\u0259xsl\u0259rin xarici valyutada olan problemli kreditl\u0259ri \u00fczr\u0259 m\u0259z\u0259nn\u0259 f\u0259rqinin \u00f6d\u0259nilm\u0259si\u00a0yana\u015fmas\u0131 t\u0259tbiq olundu. Proqram\u0131n h\u00fcquqi bazas\u0131 Prezidentin \u201cproblemli kreditl\u0259rin h\u0259lli\u201d il\u0259 ba\u011fl\u0131 f\u0259rmanlar\u0131 v\u0259 icra mexanizml\u0259ri il\u0259 <a href=\"https:\/\/uploads.cbar.az\/assets\/b1906687032d2e765ba11b44d.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">quruldu<\/a>.\u00a0\u00a0Bu add\u0131mdan sonra problemli kreditl\u0259rd\u0259 azalma meyli g\u00fccl\u0259ndi.<\/p>\n\n\n\n<p>R\u0259smi statistikan\u0131n uzun x\u0259ttin\u0259 baxanda da bu g\u00f6r\u00fcn\u00fcr. AMB-nin c\u0259dv\u0259ll\u0259rind\u0259 vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rin m\u0259bl\u0259\u011fi 2020-ci ild\u0259\u00a0<strong>893,1 milyon<\/strong>, 2021-d\u0259\u00a0<strong>719,4 milyon<\/strong>, 2022-d\u0259\u00a0<strong>593,7 milyon<\/strong>, 2023-d\u0259 is\u0259\u00a0<strong>437,8 milyon<\/strong>\u00a0kimi g\u00f6st\u0259rilir.\u00a0Y\u0259ni bir ne\u00e7\u0259 il dalbadal azalma var.<\/p>\n\n\n\n<p>Amma 2024-c\u00fc ild\u0259n sonra istiqam\u0259t d\u0259yi\u015fm\u0259y\u0259 ba\u015flay\u0131r. 2024-c\u00fc ilin sonuna yax\u0131n r\u0259q\u0259ml\u0259r yen\u0259 yuxar\u0131 h\u0259r\u0259k\u0259t edir v\u0259 2026-c\u0131 ilin fevral\u0131n 1-n\u0259 art\u0131q\u00a0<strong>562 milyon<\/strong>\u00a0s\u0259viyy\u0259sin\u0259 g\u0259lir.\u00a0<\/p>\n\n\n<article class=\"single-card uk-flex uk-flex-between m-b-sm-40\">\n\n  <div class=\"uk-grid wi-full-width\">\n\n    <div class=\"uk-width-2-3 p-t-sm-10\">\n      <a href=\"https:\/\/jam-news.net\/az\/rus-neft-s%c9%99b%c9%99k%c9%99sind%c9%99-az%c9%99rbaycan-izi\/\" target=\"_blank\">\n\n\n\n\n\n        <h2 class=\"m-b-sm-23 wi-merriweather-light\">\n\tRusiyan\u0131n 90 milyardl\u0131q neft \u015f\u0259b\u0259k\u0259si: Az\u0259rbaycanl\u0131 i\u015f adamlar\u0131 nec\u0259 if\u015fa olunub?\n<\/h2>\n\n        <p class=\"paragraph-color-2 m-b-sm-10 m-b-xs-7\">\n  Ara\u015fd\u0131rma g\u00f6st\u0259rir ki, Az\u0259rbaycanla ba\u011fl\u0131 tankerl\u0259r sanksiyalardan yay\u0131nma mexanizminin \u0259sas halqalar\u0131ndan birin\u0259 \u00e7evrilib.\n<\/p>\n      <\/a>\n    <\/div>\n    <div class=\"uk-width-1-3\">\n      <figure class=\"wi-full-height choose-post__img wi-merriweather-light\">\n  <a class=\"\" href=\"https:\/\/jam-news.net\/az\/rus-neft-s%c9%99b%c9%99k%c9%99sind%c9%99-az%c9%99rbaycan-izi\/\">\n    <img decoding=\"async\" class=\"wi-full-height wi-ratio-img\" src=\"https:\/\/jam-news.net\/app\/uploads\/2026\/02\/website-format-2026-02-24T005245.205.png\" alt=\"Rus neft \u015f\u0259b\u0259k\u0259sind\u0259 Az\u0259rbaycan izi\" uk-img \/>\n  <\/a>\n<\/figure>\n    <\/div>\n  <\/div>\n<\/article>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"niy\u0259-art\u0131r-\u0259sas-s\u0259b\u0259bl\u0259r-sad\u0259-dild\u0259\">B\u0259s problemli kreditl\u0259r niy\u0259 art\u0131r?<\/h2>\n\n\n\n<p>Problemli kreditl\u0259rin artmas\u0131n\u0131n t\u0259k s\u0259b\u0259bi olmur. Ad\u0259t\u0259n bir ne\u00e7\u0259 amil \u00fcst-\u00fcst\u0259 d\u00fc\u015f\u00fcr. Amma \u0259n sad\u0259 izah bel\u0259dir:\u00a0insan\u0131n cibin\u0259 gir\u0259n pul il\u0259 \u00e7\u0131xan pulun aras\u0131ndak\u0131 f\u0259rq art\u0131r.<\/p>\n\n\n\n<p>\u0130nflyasiya\u00a0&#8211; y\u0259ni\u00a0qiym\u0259tl\u0259rin artmas\u0131 bazarda hiss olunur. \u00c7\u00f6r\u0259k, kiray\u0259, yolpulu, d\u0259rman, u\u015faq x\u0259rci\u2026 ham\u0131s\u0131 yava\u015f-yava\u015f qalx\u0131r. G\u0259lir is\u0259 (maa\u015f, g\u00fcnd\u0259lik qazanc) eyni s\u00fcr\u0259tl\u0259 qalxm\u0131r.<\/p>\n\n\n\n<p>N\u0259tic\u0259d\u0259 ail\u0259 b\u00fcdc\u0259si s\u0131x\u0131l\u0131r. Ekspert <a href=\"https:\/\/icma.az\/news\/problemli-kreditler-artir-sebeb-vetendas-mesuliyyetsizliyidir-1493913\" target=\"_blank\" rel=\"noreferrer noopener\">\u015f\u0259rhl\u0259rind\u0259<\/a> d\u0259 bu m\u0259ntiq tez-tez vur\u011fulan\u0131r. Onlar bildirir ki, real g\u0259lirin z\u0259if artmas\u0131 \u00f6d\u0259m\u0259 qabiliyy\u0259tini m\u0259hdudla\u015fd\u0131r\u0131r v\u0259 vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rin artmas\u0131na t\u0259sir edir.\u00a0<\/p>\n\n\n\n<p>Bunu bir m\u0259i\u015f\u0259t n\u00fcmun\u0259si il\u0259 t\u0259s\u0259vv\u00fcr ed\u0259k. Siz bankdan kredit g\u00f6t\u00fcr\u00fcb\u00a0ma\u015f\u0131n\u00a0al\u0131rs\u0131n\u0131z. H\u0259r ay 450 manat \u00f6d\u0259m\u0259lisiniz. Amma bu arada:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>yanacaq bahala\u015f\u0131r,<\/li>\n\n\n\n<li>ev\u0259 \u0259rzaq x\u0259rci art\u0131r,<\/li>\n\n\n\n<li>u\u015fa\u011f\u0131n m\u0259kt\u0259b x\u0259rci \u00e7\u0131x\u0131r,<\/li>\n\n\n\n<li>evd\u0259 x\u0259st\u0259lik olur, d\u0259rman al\u0131n\u0131r.<\/li>\n<\/ul>\n\n\n\n<p>Maa\u015f\u0131n\u0131z is\u0259 eyni qal\u0131r v\u0259 ya \u00e7ox az art\u0131r. Bu zaman ilk yubanma ad\u0259t\u0259n kreditd\u0259 olur. \u00c7\u00fcnki ail\u0259 \u0259vv\u0259l yem\u0259k-i\u00e7m\u0259k, i\u015f\u0259 getm\u0259k, kommunal pulu \u00f6d\u0259m\u0259k ist\u0259yir. Kredit is\u0259 bir-iki ay gecikdirilir. Problem d\u0259 el\u0259 buradan ba\u015flay\u0131r.<\/p>\n\n\n\n<p>\u0130kinci b\u00f6y\u00fck s\u0259b\u0259b is\u0259 istehlak kreditl\u0259rinin s\u00fcr\u0259tl\u0259 yay\u0131lmas\u0131d\u0131r. \u0130stehlak krediti &#8211; sad\u0259 dill\u0259 ev\u0259 mebel almaq \u00fc\u00e7\u00fcn, telefon, t\u0259mir, ma\u015f\u0131n, toy x\u0259rci kimi g\u00fcnd\u0259lik ehtiyaclara v\u0259 ya arzulara g\u00f6r\u0259 g\u00f6t\u00fcr\u00fcl\u0259n borcdur. C\u0259miyy\u0259tin borclanmas\u0131 art\u0131rsa, problemli kredit riski d\u0259 art\u0131r.<\/p>\n\n\n<article class=\"single-card uk-flex uk-flex-between m-b-sm-40\">\n\n  <div class=\"uk-grid wi-full-width\">\n\n    <div class=\"uk-width-2-3 p-t-sm-10\">\n      <a href=\"https:\/\/jam-news.net\/az\/az%c9%99rbaycanda-turizm\/\" target=\"_blank\">\n\n\n\n\n\n        <h2 class=\"m-b-sm-23 wi-merriweather-light\">\n\tNovruz sonras\u0131 turizm siqnal\u0131: niy\u0259 bronlar\u0131n 40%-i l\u0259\u011fv edilib? Az\u0259rbaycan r\u0259qab\u0259td\u0259 harada uduzur?\n<\/h2>\n\n        <p class=\"paragraph-color-2 m-b-sm-10 m-b-xs-7\">\n  Bu r\u0259q\u0259m bayram g\u00fcnl\u0259rind\u0259 bel\u0259, m\u00fc\u015ft\u0259rinin plan\u0131n\u0131 d\u0259yi\u015fdiyini, x\u0259rcl\u0259rini yenid\u0259n hesablad\u0131\u011f\u0131n\u0131 v\u0259 alternativ istiqam\u0259tl\u0259r\u0259 y\u00f6n\u0259ldiyini g\u00f6st\u0259rir.\n<\/p>\n      <\/a>\n    <\/div>\n    <div class=\"uk-width-1-3\">\n      <figure class=\"wi-full-height choose-post__img wi-merriweather-light\">\n  <a class=\"\" href=\"https:\/\/jam-news.net\/az\/az%c9%99rbaycanda-turizm\/\">\n    <img decoding=\"async\" class=\"wi-full-height wi-ratio-img\" src=\"https:\/\/jam-news.net\/app\/uploads\/2026\/04\/website-format-34.png\" alt=\"Az\u0259rbaycanda turizm\" uk-img \/>\n  <\/a>\n<\/figure>\n    <\/div>\n  <\/div>\n<\/article>\n\n\n\n<p>\u00dc\u00e7\u00fcnc\u00fc s\u0259b\u0259b\u00a0faizl\u0259rin y\u00fcks\u0259kliyidir. Faiz &#8211; bank\u0131n verdiyi borca g\u00f6r\u0259 ald\u0131\u011f\u0131 \u0259lav\u0259 puldur. Faiz n\u0259 q\u0259d\u0259r y\u00fcks\u0259kdirs\u0259, ayl\u0131q \u00f6d\u0259ni\u015f d\u0259 bir o q\u0259d\u0259r a\u011f\u0131r olur.<\/p>\n\n\n\n<p>\u0130qtisad\u00e7\u0131 Natiq C\u0259f\u0259rli v\u0259ziyy\u0259ti <a href=\"https:\/\/demokrat.az\/az\/news\/244439\/faizler-heddinden-artiq-yuksekdir-natiq-ceferli\" target=\"_blank\" rel=\"noreferrer noopener\">izah\u0131nda<\/a> gecikm\u0259l\u0259rin daha \u00e7ox istehlak kreditl\u0259rind\u0259 olmas\u0131 ehtimal\u0131n\u0131 vur\u011fulay\u0131r. O, faizl\u0259rin h\u0259ddind\u0259n art\u0131q y\u00fcks\u0259k oldu\u011funu v\u0259 b\u0259zi insanlar\u0131n bir ne\u00e7\u0259 bankdan eyni anda kredit g\u00f6t\u00fcr\u0259r\u0259k \u00e7\u0131x\u0131\u015f yolu axtard\u0131\u011f\u0131n\u0131 deyir.\u00a0Ba\u015fqa <a href=\"https:\/\/525.az\/news\/317213-olkede-istehlak-kreditleri-cox-yuksek-faizlidir-iqtisadci\" target=\"_blank\" rel=\"noreferrer noopener\">m\u00fcsahib\u0259sind\u0259<\/a> d\u0259 eyni x\u0259tti davam etdir\u0259r\u0259k istehlak kreditl\u0259rinin y\u00fcks\u0259k faizinin v\u0259t\u0259nda\u015fa \u0259lav\u0259 y\u00fck oldu\u011funu bildirir.\u00a0<\/p>\n\n\n\n<p>D\u00f6rd\u00fcnc\u00fc s\u0259b\u0259b is\u0259\u00a0kredit ver\u0259n t\u0259r\u0259fin risk\u0259 m\u00fcnasib\u0259tidir. B\u0259z\u0259n kredit \u00e7ox asan verilir. Y\u0259ni daha az s\u0259n\u0259d t\u0259l\u0259b edilir, yoxlama z\u0259ifdir, \u201cindi g\u00f6t\u00fcr, sonra baxar\u0131q\u201d yana\u015fmas\u0131 olur v\u0259 s.<\/p>\n\n\n\n<p>M\u0259rk\u0259zi Bank banklardan kredit portfelin\u0259 n\u0259zar\u0259td\u0259\u00a0problemli kreditl\u0259r \u00fczr\u0259 \u201cerk\u0259n x\u0259b\u0259rdarl\u0131q sistemi\u201d qurma\u011f\u0131\u00a0v\u0259 probleml\u0259ri vaxt\u0131nda g\u00f6r\u0259n prosedurlar m\u00fc\u0259yy\u0259n etm\u0259yi t\u0259l\u0259b edir. Bu t\u0259l\u0259bin \u00f6z\u00fc g\u00f6st\u0259rir ki, riskin qabaqcadan idar\u0259 olunmas\u0131 \u0259sas <a href=\"https:\/\/uploads.cbar.az\/assets\/5ee281fad6831bd8d77a7b14f.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">m\u0259s\u0259l\u0259dir<\/a>.\u00a0<\/p>\n\n\n\n<p>Be\u015finci s\u0259b\u0259b d\u0259\u00a0biznes kreditl\u0259ridir. \u0130\u015fl\u0259r z\u0259ifl\u0259y\u0259nd\u0259, sat\u0131\u015f d\u00fc\u015f\u0259nd\u0259, xammal bahala\u015fanda, ki\u00e7ik sahibkar\u0131n da krediti vaxt\u0131nda \u00f6d\u0259m\u0259si \u00e7\u0259tinl\u0259\u015fir. \u00dcst\u0259lik, r\u0259smi statistikada banklar\u0131n qeyri-i\u015fl\u0259k kreditl\u0259rinin (NPL) strukturunda biznes kreditl\u0259rinin pay\u0131n\u0131n b\u00f6y\u00fck olmas\u0131 da g\u00f6r\u00fcn\u00fcr.\u00a0<\/p>\n\n\n<article class=\"single-card uk-flex uk-flex-between m-b-sm-40\">\n\n  <div class=\"uk-grid wi-full-width\">\n\n    <div class=\"uk-width-2-3 p-t-sm-10\">\n      <a href=\"https:\/\/jam-news.net\/az\/yerevanda-erm%c9%99nistan-v%c9%99-az%c9%99rbaycan-enerji-sisteml%c9%99rinin-birl%c9%99sdirilm%c9%99si-potensiali-muzakir%c9%99-olunur\/\" target=\"_blank\">\n\n\n\n\n\n        <h2 class=\"m-b-sm-23 wi-merriweather-light\">\n\tYerevanda Erm\u0259nistan v\u0259 Az\u0259rbaycan enerji sisteml\u0259rinin birl\u0259\u015fdirilm\u0259si potensial\u0131 m\u00fczakir\u0259 olunur\n<\/h2>\n\n        <p class=\"paragraph-color-2 m-b-sm-10 m-b-xs-7\">\n  M\u00fczakir\u0259l\u0259r\u0259 s\u0259b\u0259b Nikol Pa\u015finyan\u0131n verdiyi b\u0259yanat olub: &#8220;Erm\u0259nistan v\u0259 Az\u0259rbaycan\u0131n enerji sisteml\u0259ri birl\u0259\u015fdiril\u0259c\u0259k v\u0259 ixrac v\u0259 idxal imkanlar\u0131ndan qar\u015f\u0131l\u0131ql\u0131 \u015f\u0259kild\u0259 istifad\u0259 ed\u0259c\u0259k&#8221;.\n<\/p>\n      <\/a>\n    <\/div>\n    <div class=\"uk-width-1-3\">\n      <figure class=\"wi-full-height choose-post__img wi-merriweather-light\">\n  <a class=\"\" href=\"https:\/\/jam-news.net\/az\/yerevanda-erm%c9%99nistan-v%c9%99-az%c9%99rbaycan-enerji-sisteml%c9%99rinin-birl%c9%99sdirilm%c9%99si-potensiali-muzakir%c9%99-olunur\/\">\n    <img decoding=\"async\" class=\"wi-full-height wi-ratio-img\" src=\"https:\/\/jam-news.net\/app\/uploads\/2026\/01\/l-pam2J0Z67U.jpg\" alt=\"\" uk-img \/>\n  <\/a>\n<\/figure>\n    <\/div>\n  <\/div>\n<\/article>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"i\u0307qtisad\u00e7\u0131lar-v\u0259-r\u0259smi-r\u0259q\u0259ml\u0259r-n\u0259-deyir\">\u0130qtisad\u00e7\u0131lar v\u0259 r\u0259smi r\u0259q\u0259ml\u0259r n\u0259 deyir?<\/h2>\n\n\n\n<p>R\u0259smi statistika biz\u0259 \u201cn\u0259 q\u0259d\u0259r?\u201d sual\u0131n\u0131n cavab\u0131n\u0131 verir. Ekspertl\u0259r is\u0259 daha \u00e7ox \u201cniy\u0259?\u201d sual\u0131n\u0131 izah etm\u0259y\u0259 \u00e7al\u0131\u015f\u0131r.<\/p>\n\n\n\n<p>\u018fvv\u0259l bir r\u0259smi anlay\u0131\u015f\u0131 ayd\u0131nla\u015fd\u0131raq. M\u0259rk\u0259zi Bank\u0131n prudensial yana\u015fmas\u0131na g\u00f6r\u0259\u00a0qeyri-i\u015fl\u0259k kredit (NPL)\u00a0o kreditdir ki,\u00a0\u0259sas borc v\u0259 ya faiz \u00fczr\u0259 90 g\u00fcnd\u0259n \u00e7ox gecikm\u0259si var.\u00a0Y\u0259ni \u201cvaxt\u0131 ke\u00e7mi\u015f kredit\u201dl\u0259 NPL eyni s\u00f6z kimi s\u0259sl\u0259ns\u0259 d\u0259, b\u0259z\u0259n statistikada f\u0259rqli \u00f6l\u00e7\u00fcl\u0259 bil\u0259r. Bu f\u0259rqi bilm\u0259s\u0259k, r\u0259q\u0259ml\u0259r insan\u0131 \u00e7a\u015fd\u0131r\u0131r.<\/p>\n\n\n\n<p>M\u0259s\u0259l\u0259n, AMB-nin 2026 yanvar statistik b\u00fclletenind\u0259 banklar\u0131n NPL portfeli\u00a0<strong>794 milyon manata<\/strong>\u00a0yax\u0131n, NPL-n\u0259rin \u00fcmumi portfeld\u0259 pay\u0131 is\u0259 t\u0259xmin\u0259n\u00a0<strong>2,6%<\/strong>\u00a0g\u00f6st\u0259rilir.\u00a0Bu, o dem\u0259kdir ki, problem var, amma sistemli \u201cpanika\u201d h\u0259ddi deyil.<\/p>\n\n\n\n<p>Bu yana\u015fma deputat V\u00fcqar Bayramovun <a href=\"https:\/\/oxu.az\/iqtisadiyyat\/problemli-kreditlerden-nece-xilas-ola-bilerik\" target=\"_blank\" rel=\"noreferrer noopener\">m\u00f6vqeyi<\/a> il\u0259 d\u0259 \u00fcst-\u00fcst\u0259 d\u00fc\u015f\u00fcr. O bildirir ki, problemli kreditl\u0259rin pay\u0131 riskli h\u0259dd\u0259 olsayd\u0131 (m\u0259s\u0259l\u0259n, 3%-d\u0259n yuxar\u0131), bunu ciddi problem sayma\u011f\u0131n daha \u0259sasl\u0131 olacaqd\u0131, haz\u0131rk\u0131 pay is\u0259 riskli h\u0259dd deyil.\u00a0<\/p>\n\n\n\n<p>\u0130qtisad\u00e7\u0131 Eld\u0259niz \u018fmirov da istehlak kreditl\u0259rinin artmas\u0131na daha ehtiyatl\u0131 yana\u015f\u0131r. O, &#8220;Modern.az&#8221;a <a href=\"https:\/\/modern.az\/az\/news\/530227\/\" target=\"_blank\" rel=\"noreferrer noopener\">a\u00e7\u0131qlamas\u0131nda<\/a> kredit portfelinin b\u00f6y\u00fcm\u0259sini \u00fcmumilikd\u0259 m\u00fcsb\u0259t say\u0131r, amma istehlak kreditl\u0259rinin say\u0131n\u0131n artmas\u0131n\u0131n m\u00fc\u0259yy\u0259n m\u0259nfi t\u0259sirl\u0259r yaratd\u0131\u011f\u0131n\u0131 deyir.\u00a0\u00a0Bu o dem\u0259kdir ki, kredit verm\u0259k pis deyil, amma borclanma h\u0259ddind\u0259n art\u0131q artsa, problem d\u0259 b\u00f6y\u00fcy\u0259r.<\/p>\n\n\n\n<p>Natiq C\u0259f\u0259rli is\u0259 daha k\u0259skin m\u0259qama toxunur. O qeyd edir ki, y\u00fcks\u0259k faiz v\u0259 \u201cbird\u0259n \u00e7ox bankdan borclan\u0131b g\u00fcn\u00fc xilas etm\u0259k\u201d c\u0259hdi gecikm\u0259l\u0259ri \u00e7oxalda bil\u0259r.\u00a0Onun q\u0259na\u0259tinc\u0259, burada g\u00fcnah\u0131 t\u0259kc\u0259 v\u0259t\u0259nda\u015f\u0131n \u00fcst\u00fcn\u0259 atmaq da d\u00fczg\u00fcn olmaz, \u00e7\u00fcnki g\u0259lir azalanda v\u0259 x\u0259rcl\u0259r artanda insanlar b\u0259z\u0259n \u201cborcla n\u0259f\u0259s alma\u011fa\u201d \u00e7al\u0131\u015f\u0131r.\u00a0<\/p>\n\n\n\n<p>R\u0259smi t\u0259r\u0259fin mesaj\u0131 is\u0259 daha ehtiyatl\u0131d\u0131r. M\u0259rk\u0259zi Bank bir t\u0259r\u0259fd\u0259n banklara risk idar\u0259\u00e7iliyi t\u0259l\u0259bl\u0259rini s\u0259rtl\u0259\u015fdirir, dig\u0259r t\u0259r\u0259fd\u0259n sistemin dayan\u0131ql\u0131\u011f\u0131n\u0131 qorumaq \u00fc\u00e7\u00fcn kapital buferl\u0259ri kimi al\u0259tl\u0259rd\u0259n istifad\u0259 edir. M\u0259s\u0259l\u0259n, AMB 2024-c\u00fc il hesabat\u0131nda kredit art\u0131m\u0131n\u0131n y\u00fcks\u0259k fonunda kontr-tsiklik kapital buferinin t\u0259tbiqin\u0259 q\u0259rar verildiyini qeyd edir. Bu da dolay\u0131s\u0131 il\u0259 onu g\u00f6st\u0259rir ki, kredit bazar\u0131 \u201cq\u0131z\u0131\u015fanda\u201d riskl\u0259r d\u0259 <a href=\"https:\/\/uploads.cbar.az\/assets\/FSR%20%282024%29%20FINAL_ENG.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">art\u0131r<\/a>.\u00a0<\/p>\n\n\n<article class=\"single-card uk-flex uk-flex-between m-b-sm-40\">\n\n  <div class=\"uk-grid wi-full-width\">\n\n    <div class=\"uk-width-2-3 p-t-sm-10\">\n      <a href=\"https:\/\/jam-news.net\/az\/az%c9%99rbaycanin-utt%e2%80%91y%c9%99-uzvluyu\/\" target=\"_blank\">\n\n\n\n\n\n        <h2 class=\"m-b-sm-23 wi-merriweather-light\">\n\tAz\u0259rbaycan\u0131n \u00dcTT\u2011y\u0259 \u00fczvl\u00fcy\u00fc yenid\u0259n g\u00fcnd\u0259md\u0259: \u0259h\u0259miyy\u0259ti v\u0259 gecikm\u0259nin s\u0259b\u0259bl\u0259ri\n<\/h2>\n\n        <p class=\"paragraph-color-2 m-b-sm-10 m-b-xs-7\">\n  T\u0259nqid\u00e7il\u0259r is\u0259 hesab edirl\u0259r ki, prosesin uzanmas\u0131n\u0131n \u0259sas s\u0259b\u0259bi siyasi irad\u0259 \u00e7at\u0131\u015fmazl\u0131\u011f\u0131 v\u0259 \u00f6lk\u0259 daxilind\u0259ki inhisar\u00e7\u0131 maraqlard\u0131r\n<\/p>\n      <\/a>\n    <\/div>\n    <div class=\"uk-width-1-3\">\n      <figure class=\"wi-full-height choose-post__img wi-merriweather-light\">\n  <a class=\"\" href=\"https:\/\/jam-news.net\/az\/az%c9%99rbaycanin-utt%e2%80%91y%c9%99-uzvluyu\/\">\n    <img decoding=\"async\" class=\"wi-full-height wi-ratio-img\" src=\"https:\/\/jam-news.net\/app\/uploads\/2025\/12\/website-format-2025-12-08T153319.078.png\" alt=\"Az\u0259rbaycan\u0131n \u00dcTT\u2011y\u0259 \u00fczvl\u00fcy\u00fc\" uk-img \/>\n  <\/a>\n<\/figure>\n    <\/div>\n  <\/div>\n<\/article>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"n\u0259tic\u0259-v\u0259-proqnoz-bu-art\u0131m-n\u0259-dem\u0259kdir-n\u0259-etm\u0259k-olar\">Bu art\u0131m n\u0259 dem\u0259kdir, n\u0259 etm\u0259k olar?<\/h2>\n\n\n\n<p>Problemli kreditl\u0259rin artmas\u0131 birinci n\u00f6vb\u0259d\u0259\u00a0adi insan \u00fc\u00e7\u00fcn\u00a0n\u0259 dem\u0259kdir? Yuxar\u0131da da qeyd etdiyimiz ki, bir ne\u00e7\u0259 n\u0259tic\u0259 var:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ail\u0259 b\u00fcdc\u0259si daha \u00e7ox s\u0131x\u0131l\u0131r. Gecikm\u0259 artd\u0131qca c\u0259rim\u0259 v\u0259 \u0259lav\u0259 faizl\u0259r y\u0131\u011f\u0131l\u0131r.<\/li>\n\n\n\n<li>\u0130nsan yeni kredit g\u00f6t\u00fcr\u00fcb k\u00f6hn\u0259ni ba\u011flama\u011fa \u00e7al\u0131\u015f\u0131r. Bu is\u0259 borcu qar u\u00e7qunu kimi b\u00f6y\u00fcd\u0259 bil\u0259r.<\/li>\n\n\n\n<li>Psixoloji y\u00fck art\u0131r: z\u0259ngl\u0259r, x\u0259b\u0259rdarl\u0131qlar, m\u0259hk\u0259m\u0259 qorxusu.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Banklar \u00fc\u00e7\u00fcn\u00a0bu art\u0131m n\u0259 dem\u0259kdir?<\/h4>\n\n\n\n<p>Bank kredit ver\u0259nd\u0259 borcun qaytar\u0131lmamas\u0131 ehtimal\u0131n\u0131 da n\u0259z\u0259r\u0259 al\u0131rlar. Amma problemli kreditl\u0259r \u00e7oxalanda bank\u00a0ehtiyat ay\u0131rma\u011fa\u00a0(y\u0259ni g\u0259lirin bir hiss\u0259sini k\u0259nara qoyma\u011fa) m\u0259cbur olur. Bu, bank\u0131n m\u0259nf\u0259\u0259tin\u0259 t\u0259sir edir v\u0259 b\u0259z\u0259n yeni kredit verm\u0259yi m\u0259hdudla\u015fd\u0131r\u0131r.<\/p>\n\n\n\n<p>Bu, iqtisadiyyat \u00fc\u00e7\u00fcn\u00a0d\u0259 risklidir. Banklar ehtiyatlananda kredit \u015f\u0259rtl\u0259ri s\u0259rtl\u0259\u015fir, daha az kredit verilir v\u0259 ticar\u0259t z\u0259ifl\u0259y\u0259 bilir. Ki\u00e7ik biznes borc tapa bilm\u0259y\u0259nd\u0259 b\u00f6y\u00fcm\u0259 d\u0259 yava\u015f\u0131y\u0131r.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">B\u0259s h\u00f6kum\u0259t v\u0259 t\u0259nziml\u0259yici n\u0259 ed\u0259 bil\u0259r?<\/h4>\n\n\n\n<p>Burada bir sehrli d\u00fcym\u0259 yoxdur, amma bir ne\u00e7\u0259 istiqam\u0259t g\u00f6r\u00fcn\u00fcr:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Banklarda risk qiym\u0259tl\u0259ndirilm\u0259si g\u00fccl\u0259n\u0259 bil\u0259r; g\u0259lir yoxlan\u0131\u015f\u0131, borc y\u00fck\u00fcn\u00fcn (m\u0259s\u0259l\u0259n, ayl\u0131q \u00f6d\u0259ni\u015fin g\u0259lir\u0259 nisb\u0259ti) daha ciddi hesablanmas\u0131. AMB-nin \u201cerk\u0259n x\u0259b\u0259rdarl\u0131q sistemi\u201d t\u0259l\u0259bi d\u0259 bu yana\u015fman\u0131n bir hiss\u0259sidir.\u00a0<\/li>\n\n\n\n<li>Faizl\u0259r bazar qaydalar\u0131 il\u0259 formala\u015fsa da, istehlak kreditl\u0259rind\u0259 \u015f\u0259ffafl\u0131q v\u0259 r\u0259qab\u0259t art\u0131r\u0131lsa, y\u00fck y\u00fcng\u00fcll\u0259\u015f\u0259 bil\u0259r; Natiq C\u0259f\u0259rli d\u0259 faiz y\u00fck\u00fcn\u00fcn azald\u0131lmas\u0131n\u0131n iqtisadi canlanmaya k\u00f6m\u0259k ed\u0259 bil\u0259c\u0259yini deyir.\u00a0<\/li>\n\n\n\n<li>Maliyy\u0259 savadl\u0131l\u0131\u011f\u0131; insanlar kredit g\u00f6t\u00fcr\u0259nd\u0259 \u00f6z\u00fcn\u0259 \u201cbu pulu qaytara bil\u0259c\u0259y\u0259mmi?\u201d sual\u0131n\u0131 \u0259vv\u0259lc\u0259d\u0259n daha ciddi verm\u0259lidir.<\/li>\n\n\n\n<li>Sosial h\u0259ssas qruplar \u00fc\u00e7\u00fcn h\u0259d\u0259fli d\u0259st\u0259k v\u0259 restrukturizasiya mexanizml\u0259ri (borcun m\u00fcdd\u0259tinin uzad\u0131lmas\u0131, \u00f6d\u0259ni\u015f qrafikinin yenil\u0259nm\u0259si) b\u00f6hran\u0131 yum\u015falda bil\u0259r. 2019-cu ild\u0259 valyuta kreditl\u0259ri \u00fczr\u0259 m\u0259z\u0259nn\u0259 f\u0259rqin\u0259 dair d\u00f6vl\u0259t mexanizmi d\u0259 bu yana\u015fman\u0131n bir n\u00fcmun\u0259si idi.\u00a0<\/li>\n<\/ul>\n\n\n<article class=\"single-card uk-flex uk-flex-between m-b-sm-40\">\n\n  <div class=\"uk-grid wi-full-width\">\n\n    <div class=\"uk-width-2-3 p-t-sm-10\">\n      <a href=\"https:\/\/jam-news.net\/az\/ai-nin-18-ci-sanksiya-paketi-ve-meqsedleri\/\" target=\"_blank\">\n\n\n\n\n\n        <h2 class=\"m-b-sm-23 wi-merriweather-light\">\n\tPutinin nefti, Bak\u0131n\u0131n zavodu: A\u0130-nin sanksiyalar\u0131 Az\u0259rbaycan\u0131 h\u0259d\u0259f\u0259 al\u0131r\n<\/h2>\n\n        <p class=\"paragraph-color-2 m-b-sm-10 m-b-xs-7\">\n  SOCAR-a aid STAR zavodu vasit\u0259si il\u0259 Avropaya ged\u0259n neft k\u0259m\u0259rl\u0259rinin k\u0259silm\u0259si A\u0130-nin \u0259sas prioritetidir.\n<\/p>\n      <\/a>\n    <\/div>\n    <div class=\"uk-width-1-3\">\n      <figure class=\"wi-full-height choose-post__img wi-merriweather-light\">\n  <a class=\"\" href=\"https:\/\/jam-news.net\/az\/ai-nin-18-ci-sanksiya-paketi-ve-meqsedleri\/\">\n    <img decoding=\"async\" class=\"wi-full-height wi-ratio-img\" src=\"https:\/\/jam-news.net\/app\/uploads\/2025\/09\/website-format-46.png\" alt=\"A\u0130-nin 18-ci sanksiya paketi v\u0259 m\u0259qs\u0259dl\u0259ri\" uk-img \/>\n  <\/a>\n<\/figure>\n    <\/div>\n  <\/div>\n<\/article>\n\n\n\n<p style=\"font-size:1px\"><strong><em>Az\u0259rbaycanda problemli kreditl\u0259r<\/em><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bu, krediti g\u00f6t\u00fcr\u0259n \u00fc\u00e7\u00fcn stress, bank \u00fc\u00e7\u00fcn risk, iqtisadiyyat \u00fc\u00e7\u00fcn is\u0259 x\u0259b\u0259rdarl\u0131q siqnal\u0131d\u0131r.<\/p>\n","protected":false},"author":60,"featured_media":104410,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,22,4043,25,50,49],"tags":[18,101,96,152,153,57,157],"formation":[],"post-author":[2888],"topic":[4952],"tooltip":[],"city":[6041],"class_list":["post-104409","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-azrbaycan","category-iqtisadiyyat","category-explainer","category-cmiyyt","category-xbrlr","category-srh","tag-azrbaycan","tag-qafqaz","tag-qafqaz-iqtisadiyyati","tag-qafqaz-xbrlri","tag-qafqazda-hyat","tag-qafqazda-siyast","tag-xbrlr","post-author-jamnews","topic-azrbaycan","city-baki"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Az\u0259rbaycanda problemli kreditl\u0259r - JAMnews<\/title>\n<meta name=\"description\" content=\"Az\u0259rbaycanda problemli kreditl\u0259r. Bu, krediti g\u00f6t\u00fcr\u0259n \u00fc\u00e7\u00fcn stress, bank \u00fc\u00e7\u00fcn risk, iqtisadiyyat \u00fc\u00e7\u00fcn is\u0259 x\u0259b\u0259rdarl\u0131q siqnal\u0131d\u0131r.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/jam-news.net\/az\/az\u0259rbaycanda-problemli-kreditl\u0259r\/\" \/>\n<meta property=\"og:locale\" content=\"az_AZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Az\u0259rbaycanda problemli kreditl\u0259r niy\u0259 art\u0131r?\" \/>\n<meta property=\"og:description\" content=\"Az\u0259rbaycanda problemli kreditl\u0259r. 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