{"id":33738,"date":"2020-09-14T18:11:50","date_gmt":"2020-09-14T14:11:50","guid":{"rendered":"http:\/\/jam-news.net\/az\/?p=33738"},"modified":"2022-01-18T00:34:39","modified_gmt":"2022-01-17T20:34:39","slug":"az%c9%99rbaycan-banklar-baglanir","status":"publish","type":"post","link":"https:\/\/jam-news.net\/az\/az%c9%99rbaycan-banklar-baglanir\/","title":{"rendered":"Az\u0259rbaycanda banklar niy\u0259 ba\u011flan\u0131r?"},"content":{"rendered":"\n

2015-ci ilin \u0259vv\u0259lind\u0259 Az\u0259rbaycanda 45 bank vard\u0131. 2020-ci ilin avqustunda onlar\u0131n say\u0131 art\u0131q 26-d\u0131r.<\/p>\n\n\n\n

S\u0259b\u0259bl\u0259r \u00e7oxdur: kredit b\u00f6hran\u0131n\u0131n iki dal\u011fas\u0131ndan ba\u015flayaraq. Bununla yana\u015f\u0131 ixtisarlar yaln\u0131z x\u0131rda banklar\u0131 yox, h\u0259m d\u0259 kifay\u0259t q\u0259d\u0259r b\u00f6y\u00fck v\u0259 m\u0259\u015fhur banklar\u0131 da \u0259hat\u0259 edib.<\/p>\n\n\n\n

Banklar\u0131n ba\u011flanmas\u0131n\u0131n son dal\u011fas\u0131 2020-ci il aprel-may aylar\u0131na t\u0259sad\u00fcf edib. Aprelin 27-d\u0259 4 banka: \u201cAtabank\u201d, \u201cAGBank\u201d, \u201cNBCBank\u201d v\u0259 \u201c\u018fmrah Bank\u201da m\u00fcv\u0259qq\u0259ti xarici idar\u0259edicil\u0259r t\u0259yin edilib, aprelin 28-d\u0259 is\u0259 \u201cAtabank\u201d v\u0259 \u201c\u018fmrah Bank\u201d\u0131n lisenziyalar\u0131 geri al\u0131n\u0131b. May\u0131n 12-d\u0259 dig\u0259r iki bank\u0131n da lisenziyalar\u0131 l\u0259\u011fv olunub. Bel\u0259likl\u0259, banklar\u0131n say\u0131 30-dan 26-a enib.<\/p>\n\n\n\n

\u018fg\u0259r haz\u0131rda b\u00fct\u00fcn d\u00fcnyada ba\u011flanma v\u0259 ya m\u00fcflisl\u0259\u015fm\u0259 s\u0259b\u0259bi kimi ad\u0259t\u0259n pandemiya v\u0259 karantin g\u00f6st\u0259rilirs\u0259, Az\u0259rbaycan banklar\u0131nda haz\u0131rk\u0131 v\u0259ziyy\u0259t\u0259 koronavirus \u0259h\u0259miyy\u0259tli d\u0259r\u0259c\u0259d\u0259 t\u0259sir etm\u0259yib.<\/p>\n\n\n\n

Bird\u0259n-bir\u0259 d\u00f6rd bank\u0131n ba\u011flanmas\u0131n\u0131n s\u0259b\u0259bi b\u0259s n\u0259dir?<\/strong><\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

S\u0259b\u0259bl\u0259r\u0259 ke\u00e7m\u0259zd\u0259n \u0259vv\u0259l bu d\u00f6rd bank\u0131n yerli bank sistemind\u0259ki rolu haqda dan\u0131\u015fmaq laz\u0131md\u0131r. Az\u0259rbaycan bank sisteminin y\u00fcks\u0259k sentralizasiyas\u0131n\u0131 n\u0259z\u0259r\u0259 alsaq, bu banklar\u0131n bazarda pay\u0131 o q\u0259d\u0259r d\u0259 y\u00fcks\u0259k deyildi. Faktiki 4 bank\u0131n pay\u0131na \u00fcmumilikd\u0259 bank bazar\u0131n\u0131n c\u0259mi 5 faizi d\u00fc\u015f\u00fcrd\u00fc (\u0259n \u00e7ox \u201cAtabank\u201d\u0131n \u2013 1,4%, \u0259n az is\u0259 \u201c\u018fmrah Bank\u201d\u0131n \u2013 0,6% pay\u0131 idi).<\/p>\n\n\n\n

Y\u0259ni bank sektoru \u00fc\u00e7\u00fcn \u00fcmumilikd\u0259 bu, b\u00f6y\u00fck itki deyil. Amma r\u0259q\u0259ml\u0259r\u0259 sad\u0259 \u0259man\u0259t\u00e7il\u0259rin itkil\u0259ri n\u00f6qteyi-n\u0259z\u0259rind\u0259n baxsaq, yaln\u0131z depozitl\u0259rin \u00fcmumi h\u0259cmi 700 milyon manat t\u0259\u015fkil edir ki, bu da b\u00f6hran d\u00f6vr\u00fc \u00fc\u00e7\u00fcn az deyil (praktiki olaraq h\u00f6kum\u0259tin iqtisadiyyata ilk yard\u0131m paketin\u0259 b\u0259rab\u0259rdir).<\/p>\n\n\n\n

Yaranm\u0131\u015f v\u0259ziyy\u0259tin s\u0259b\u0259bl\u0259rini anlamaq \u00fc\u00e7\u00fcn bir q\u0259d\u0259r ke\u00e7mi\u015f\u0259, daha d\u0259qiq is\u0259 2019-cu ilin mart\u0131na getm\u0259k laz\u0131md\u0131r. 6 g\u00fcn f\u0259rql\u0259 mart\u0131n 12-d\u0259 v\u0259 18-d\u0259 1 sayl\u0131 Bak\u0131 \u0130nzibati \u0130qtisadi M\u0259hk\u0259m\u0259sind\u0259 \u201cAtabank\u201d ASC \u00fcz\u0259rind\u0259 iki m\u0259hk\u0259m\u0259 prosesi ba\u015f tutub. H\u0259r iki halda iddia t\u0259min edilib.<\/p>\n\n\n\n

\u0130ddialar\u0131n s\u0259b\u0259bi a\u015fa\u011f\u0131dak\u0131lar olub. \u0130ddialara \u0259sas\u0259n, 2016-c\u0131 ilin sentyabr\u0131nda \u201cAtabank\u201d ASC-nin r\u0259hb\u0259rliyinin v\u0259 Az\u0259rbaycan Respublikas\u0131 Vergil\u0259r Nazirliyinin t\u0259zyiqi il\u0259 (\u201cAta Holding\u201d v\u0259 ke\u00e7mi\u015f vergil\u0259r naziri aras\u0131ndak\u0131 \u0259laq\u0259l\u0259r haqda K\u0130V-d\u0259 d\u0259f\u0259l\u0259rl\u0259 yaz\u0131l\u0131b) iki \u015firk\u0259t 61,18 milyon dollar h\u0259cmind\u0259 kredit g\u00f6t\u00fcr\u00fcb. Bununla bel\u0259 h\u0259min m\u0259bl\u0259\u011f onlara \u00f6d\u0259nm\u0259yib, kredit haqda m\u00fcqavil\u0259l\u0259r is\u0259 v\u0259saitl\u0259rin na\u011fdla\u015fd\u0131r\u0131lmas\u0131 \u00fc\u00e7\u00fcn istifad\u0259 olunub.<\/p>\n\n\n\n

Amma buna baxmayaraq, zaman ke\u00e7\u0259nd\u0259n sonra h\u0259min \u015firk\u0259tl\u0259rd\u0259n kreditl\u0259ri geri qaytarmaq t\u0259l\u0259b olunub. \u015eirk\u0259tl\u0259r is\u0259 t\u0259bii ki, faktiki olaraq almad\u0131qlar\u0131 kreditl\u0259ri, \u00fcst\u00fcnd\u0259 d\u0259 faizl\u0259rini qaytarmaq imkan\u0131nda deyildi.<\/p>\n\n\n\n

Prosesl\u0259r zaman\u0131 m\u0259lum olub ki, \u201cAtabank\u201dda bu c\u00fcr kreditl\u0259r az deyil v\u0259 bunlar\u0131 \u0259n az\u0131 160 milyon manat h\u0259cmind\u0259 d\u0259y\u0259rl\u0259ndirm\u0259k olar.<\/p>\n\n\n\n

Problem onda idi ki, reall\u0131qda bu c\u00fcr kreditl\u0259r olmasa da, (y\u0259ni onlar m\u0259hk\u0259m\u0259 q\u0259rar\u0131 il\u0259 l\u0259\u011fv edilmi\u015fdi), formal olaraq bunlar bank\u0131n aktivl\u0259rind\u0259 g\u00f6st\u0259rilirdi.<\/p>\n\n\n\n

Bel\u0259likl\u0259, hesabatda reall\u0131\u011f\u0131 \u0259ks etdirm\u0259y\u0259n kifay\u0259t q\u0259d\u0259r yax\u015f\u0131 v\u0259ziyy\u0259t yaran\u0131rd\u0131. Restrukturizasiya hesab\u0131na is\u0259 onlar h\u0259tta bu kreditl\u0259ri \u201cproblemli\u201d kreditl\u0259r kimi d\u0259 g\u00f6st\u0259r\u0259 bilibl\u0259r.<\/p>\n\n\n\n

Amma b\u00fct\u00fcn bunlar haqda yaln\u0131z proses i\u015ftirak\u00e7\u0131lar\u0131, bir d\u0259 m\u0259hk\u0259m\u0259 reyestrini vaxta\u015f\u0131r\u0131 yoxlayanlar bilirdi. M\u0259tbuatda bu haqda yaz\u0131lmasa da, \u015fayi\u0259l\u0259r \u00e7oxal\u0131rd\u0131.<\/p>\n\n\n\n

2019-cu ilin oktyabr\u0131nda v\u0259ziyy\u0259t art\u0131q k\u00f6k\u00fcnd\u0259n d\u0259yi\u015fdi. B\u0259zi media orqanlar\u0131 \u201cAtabank\u0131n da\u011f\u0131ld\u0131\u011f\u0131\u201d haqda m\u0259qal\u0259l\u0259r yazma\u011fa ba\u015flad\u0131lar. B\u00fct\u00fcn bunlar s\u0259ssiz \u00f6t\u00fc\u015f\u0259 bilm\u0259zdi v\u0259 bank r\u0259hb\u0259rliyinin z\u0259man\u0259tl\u0259rin\u0259 r\u0259\u011fm\u0259n v\u0259saitl\u0259rin geri ax\u0131n\u0131 ba\u015flad\u0131. 2019-cu ilin son r\u00fcb\u00fcnd\u0259 bank\u0131n n\u0259 q\u0259d\u0259r v\u0259sait itirdiyini bilmirik (bank m\u0259lumatlar\u0131 a\u00e7\u0131qlamay\u0131b), amma bu zamana q\u0259d\u0259r onlar\u0131n \u0259man\u0259t\u00e7il\u0259ri bankdan 25 milyon manat\u0131 geri g\u00f6t\u00fcr\u00fcbl\u0259r.<\/p>\n\n\n\n

M\u00fcvafiq olaraq, bankda \u00f6hd\u0259likl\u0259r v\u0259 aktivl\u0259r aras\u0131nda balans pozulma\u011fa ba\u015flay\u0131b.<\/p>\n\n\n\n

2019-cu ilin dekabr\u0131nda bank f\u0259aliyy\u0259ti sah\u0259sind\u0259 idar\u0259\u00e7ilik islahat\u0131 h\u0259yata ke\u00e7irilib. \u018fg\u0259r 2015-ci il b\u00f6hran\u0131ndan sonra banklar v\u0259 kredit m\u00fc\u0259ssis\u0259l\u0259ri \u00fcz\u0259rind\u0259 n\u0259zar\u0259t Maliyy\u0259 Bazarlar\u0131na N\u0259zar\u0259t Palatas\u0131na verilmi\u015fdis\u0259, 2019-cu ilin dekabr\u0131nda bu struktur l\u0259\u011fv edildi v\u0259 onun funksiyalar\u0131 M\u0259rk\u0259zi Banka verildi. M\u0259rk\u0259zi Bank is\u0259 praktiki olaraq d\u0259rhal \u201cbank sektorunun sa\u011flamla\u015fd\u0131r\u0131lmas\u0131n\u0131n\u201d 2020-ci ild\u0259 \u0259sas f\u0259aliyy\u0259t istiqam\u0259tl\u0259rind\u0259n biri olaca\u011f\u0131 haqda elan d\u0259rc etdi.<\/p>\n\n\n\n

Z\u0259rb\u0259 alt\u0131na d\u00fc\u015f\u0259n ilk bank \u201cAtabank\u201d oldu. Art\u0131q 2020-ci ilin yanvar\u0131nda ara\u015fd\u0131rma apa\u0131ld\u0131\u011f\u0131 elan olundu v\u0259 \u0259man\u0259t\u00e7il\u0259r\u0259 \u0259man\u0259tl\u0259rini s\u0131\u011fortalamaq t\u00f6vsiy\u0259 edildi.<\/p>\n\n\n\n

\"\"
Bak\u0131n\u0131n m\u0259rk\u0259zind\u0259 \u201cAtabank\u201d\u0131n t\u0259rk edilmi\u015f filial\u0131. Loqotipin ancaq silueti qal\u0131b<\/em><\/figcaption><\/figure>\n\n\n\n

Bu t\u0259dbirl\u0259rd\u0259n sonra MB s\u0259dri Elman R\u00fcst\u0259mov elan etdi ki, \u0259man\u0259t\u00e7il\u0259rin pullar\u0131n\u0131n qaytar\u0131lmas\u0131 \u00fc\u00e7\u00fcn sad\u0259c\u0259 \u201c\u018fman\u0259tl\u0259rin tam s\u0131\u011fortas\u0131 haqda\u201d qanunun f\u0259aliyy\u0259tinin uzad\u0131lmas\u0131n\u0131 g\u00f6zl\u0259yirl\u0259r, sonra lisenziya geri al\u0131nacaq.<\/p>\n\n\n\n

Taleyinin art\u0131q b\u0259lli olmas\u0131na baxmayaraq, \u201cAtabank\u201d aprelin 2-d\u0259 Koronavirusla M\u00fcbariz\u0259 Fonduna 100 min manat (59 min dollara yax\u0131n) v\u0259sait k\u00f6\u00e7\u00fcr\u00fcb. Yeri g\u0259lmi\u015fk\u0259n, dig\u0259r \u00fc\u00e7 bank da 2020-ci ilin mart\u0131nda bu fonda \u00fcmumilikd\u0259 400 min manat (t\u0259xmin\u0259n 235 min dollar) k\u00f6\u00e7\u00fcr\u00fcbl\u0259r.<\/p>\n\n\n\n

Qal\u0131b birc\u0259 \u0259man\u0259tl\u0259rin s\u0131\u011fortalanmas\u0131 haqda qanunun f\u0259aliyy\u0259tinin uzad\u0131lmas\u0131. Aprelin 25-d\u0259 qanun prezident t\u0259r\u0259find\u0259n t\u0259sdiql\u0259nib v\u0259 aprelin 27-d\u0259 banklar\u0131n m\u00fcv\u0259qq\u0259ti k\u0259nardan idar\u0259edilm\u0259si haqda elan edilib.<\/p>\n\n\n\n

\"\"
Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n binas\u0131<\/em><\/figcaption><\/figure>\n\n\n\n

El\u0259 bu yerd\u0259 \u201cya\u011f\u0131\u015fdan \u00e7\u0131x\u0131b, ya\u011fmura d\u00fc\u015f\u00fcbl\u0259r\u201d. \u201cAtabank\u201d\u0131n \u0259man\u0259t\u00e7il\u0259ri \u0259vv\u0259lc\u0259d\u0259n haz\u0131r olsalar da v\u0259 sad\u0259c\u0259 r\u0259smi elan\u0131 g\u00f6zl\u0259s\u0259l\u0259r d\u0259 (R\u00fcst\u0259mov televiziya m\u00fcsahib\u0259sind\u0259 bu haqda a\u00e7\u0131q demi\u015fdi), qalan \u00fc\u00e7 bankla ba\u011fl\u0131 he\u00e7 kim he\u00e7 n\u0259 g\u00f6zl\u0259mirdi. Faktiki olaraq yln\u0131z bir ne\u00e7\u0259 m\u00fc\u015ft\u0259rinin maraqlar\u0131na xidm\u0259t etdikl\u0259ri \u00fc\u00e7\u00fcn \u201cNBCBank\u201d v\u0259 \u201c\u018fmrah Bank\u201da g\u00f6r\u0259 narahat olanlar \u00e7ox olmasa da, \u201cAGBank\u201dla ba\u011fl\u0131 v\u0259ziyy\u0259t tam f\u0259rqli olub.<\/p>\n\n\n\n

Bu, geni\u015f filiallar \u015f\u0259b\u0259k\u0259si, x\u0131rda v\u0259 orta biznes n\u00fcmay\u0259nd\u0259l\u0259ri s\u0131ras\u0131nda \u00e7ox sayda m\u00fc\u015ft\u0259risi olan (baxmayaraq ki, \u00fcmumilikd\u0259 bazarda bank\u0131n pay\u0131 o q\u0259d\u0259r d\u0259 y\u00fcks\u0259k deyildi, amma bu, faktiki olaraq m\u00fc\u015ft\u0259ril\u0259ri c\u0259lb ed\u0259n banklardan biri idi) kifay\u0259t q\u0259d\u0259r tan\u0131nm\u0131\u015f bankd\u0131.<\/p>\n\n\n\n

Bu banklarla ba\u011fl\u0131 v\u0259ziyy\u0259ti anlamaq \u00fc\u00e7\u00fcn ekspertl\u0259r v\u0259 m\u00fc\u015ft\u0259ril\u0259r ilk n\u00f6vb\u0259d\u0259 onlar\u0131n maliyy\u0259 hesabatlar\u0131na m\u00fcraci\u0259t edirl\u0259r.<\/p>\n\n\n\n

Qanunvericiliy\u0259 \u0259sas\u0259n, banklar h\u0259m illik, h\u0259m d\u0259 r\u00fcbl\u00fck maliyy\u0259 hesabatlar\u0131n\u0131 a\u00e7\u0131qlamal\u0131d\u0131rlar. \u201c\u018fmrah Bank\u201d v\u0259 \u201cAtabank\u201ddan f\u0259rqli olaraq \u201cNBCBank\u201d v\u0259 \u201cAGBank\u201d bu m\u0259nada ard\u0131c\u0131l idil\u0259r v\u0259 h\u0259r maliyy\u0259 d\u00f6vr\u00fc bitdikc\u0259 hesabatlar\u0131n\u0131 d\u0259rc edirdil\u0259r.<\/p>\n\n\n\n

Amma m\u0259lum oldu ki, bu maliyy\u0259 hesabatlar\u0131na inanmaq laz\u0131m deyilmi\u015f. MB s\u0259drinin s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, bu d\u00f6rd bank ictimaiyy\u0259t\u0259 yanl\u0131\u015f m\u0259lumatlar verirmi\u015f.<\/p>\n\n\n\n

Bu banklar\u0131n problemli kreditl\u0259rinin h\u0259cmi 459 milyon manat t\u0259\u015fkil edirdi. Onlar\u0131n banklar \u00fczr\u0259 b\u00f6l\u00fcnm\u0259si bel\u0259 idi: \u201cAtabank\u201d \u2013 214 milyon, \u201c\u018fmrah Bank\u201d \u2013 77 milyon, \u201cAGBank\u201d \u2013 145 milyon v\u0259 \u201cNBCBank\u201d \u2013 23 milyon manat. Prinsipc\u0259, son \u00fc\u00e7 bank \u00fczr\u0259 real v\u0259ziyy\u0259t hesabatlarda g\u00f6st\u0259ril\u0259nd\u0259n k\u00f6kl\u00fc \u015f\u0259kild\u0259 f\u0259rql\u0259nirdi, amma burada biz ba\u015fqa probleml\u0259 qar\u015f\u0131la\u015f\u0131r\u0131q.<\/p>\n\n\n\n

R\u00fcst\u0259mov bildirib ki, banklarda \u0259m\u0259liyyatlar \u00fc\u00e7\u00fcn minimum kapital da yet\u0259rli olmay\u0131b. Banklarla ba\u011fl\u0131 qanunvericiliy\u0259 g\u00f6r\u0259, banklar\u0131n minimum nizamnam\u0259 kapital\u0131 50 milyon manat olmal\u0131d\u0131r, bu m\u0259bl\u0259\u011f is\u0259 m\u00f6vcud deyildi.<\/p>\n\n\n\n

\"\"
Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n p\u0259nc\u0259r\u0259l\u0259ri<\/em><\/figcaption><\/figure>\n\n\n\n

Ba\u015fqa s\u00f6zl\u0259, \u0259g\u0259r M\u0259rk\u0259zi Bank bu banklara yard\u0131m etm\u0259k q\u0259rar\u0131na g\u0259ls\u0259ydi, 659 milyon manat ay\u0131rmal\u0131 idi (4 bank\u0131n problemli kreditl\u0259ri + nizamnam\u0259 kapital\u0131). \u018fman\u0259t\u00e7il\u0259r qar\u015f\u0131s\u0131nda bu \u00f6hd\u0259likl\u0259ri yerin\u0259 yetirm\u0259l\u0259ri \u00fc\u00e7\u00fcn onlara bu m\u0259bl\u0259\u011fi k\u00f6\u00e7\u00fcrm\u0259kd\u0259ns\u0259 (banklar ba\u011fland\u0131qlar\u0131 zaman onlar\u0131n hesab\u0131nda \u00fcmumilikd\u0259 670,7 milyon manat h\u0259cmind\u0259 \u0259man\u0259t vard\u0131), onlar\u0131 l\u0259\u011fv etm\u0259k daha asan idi.  <\/p>\n\n\n\n

T\u0259bii ki, MB ikinci variant\u0131 se\u00e7ib. N\u0259tic\u0259d\u0259 banklar\u0131n say\u0131 26-a enib, \u0259m\u0259k bazar\u0131 is\u0259 a\u011f\u0131r karantin d\u00f6vr\u00fcnd\u0259 min be\u015f y\u00fcz n\u0259f\u0259r\u0259 q\u0259d\u0259r i\u015fsiz bank m\u00fct\u0259x\u0259ssisl\u0259ri il\u0259 z\u0259nginl\u0259\u015fib.<\/p>\n","protected":false},"excerpt":{"rendered":"

Koronavirusun m\u0259s\u0259l\u0259y\u0259 d\u0259xli olmad\u0131\u011f\u0131n\u0131n s\u0259b\u0259bl\u0259rini v\u0259 \u0259slind\u0259 n\u0259 ba\u015f verdiyini izah edirik<\/p>\n","protected":false},"author":3,"featured_media":33691,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,22,25,35],"tags":[],"formation":[],"post-author":[3129],"topic":[4952,2002],"tooltip":[],"city":[6041],"class_list":["post-33738","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-azrbaycan","category-iqtisadiyyat","category-cmiyyt","category-hekaylr","post-author-togrul-masalli","topic-azrbaycan","topic-koronavirus","city-baki"],"acf":[],"yoast_head":"\nAz\u0259rbaycanda banklar niy\u0259 ba\u011flan\u0131r? - JAMnews<\/title>\n<meta name=\"description\" content=\"Az\u0259rbaycanda d\u00f6rd bank ba\u011flan\u0131b: koronavirusun m\u0259s\u0259l\u0259y\u0259 d\u0259xli olmad\u0131\u011f\u0131n\u0131n s\u0259b\u0259bl\u0259rini v\u0259 \u0259slind\u0259 n\u0259 ba\u015f verdiyini izah edirik\" \/>\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\u0259rbaycan-banklar-baglanir\/\" \/>\n<meta property=\"og:locale\" content=\"az_AZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Az\u0259rbaycanda banklar niy\u0259 ba\u011flan\u0131r? - JAMnews\" \/>\n<meta property=\"og:description\" content=\"Az\u0259rbaycanda d\u00f6rd bank ba\u011flan\u0131b: koronavirusun m\u0259s\u0259l\u0259y\u0259 d\u0259xli olmad\u0131\u011f\u0131n\u0131n s\u0259b\u0259bl\u0259rini v\u0259 \u0259slind\u0259 n\u0259 ba\u015f verdiyini izah edirik\" \/>\n<meta property=\"og:url\" content=\"https:\/\/jam-news.net\/az\/az\u0259rbaycan-banklar-baglanir\/\" \/>\n<meta property=\"og:site_name\" content=\"Azerbaijani Jamnews\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/JAMnewsInEnglish\/\" \/>\n<meta property=\"article:published_time\" content=\"2020-09-14T14:11:50+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-01-17T20:34:39+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/jam-news.net\/app\/uploads\/2020\/08\/118252509_786913062067523_4913785073939117688_n.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"900\" \/>\n\t<meta property=\"og:image:height\" content=\"600\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"JAMnews\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@JAMnewsCaucasus\" \/>\n<meta name=\"twitter:site\" content=\"@JAMnewsCaucasus\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"JAMnews\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/jam-news.net\/az\/az%c9%99rbaycan-banklar-baglanir\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/jam-news.net\/az\/az%c9%99rbaycan-banklar-baglanir\/\"},\"author\":{\"name\":\"JAMnews\",\"@id\":\"https:\/\/jam-news.net\/az\/#\/schema\/person\/67df3bb7adb46cd513fb9c4cb02361c6\"},\"headline\":\"Az\u0259rbaycanda banklar niy\u0259 ba\u011flan\u0131r?\",\"datePublished\":\"2020-09-14T14:11:50+00:00\",\"dateModified\":\"2022-01-17T20:34:39+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/jam-news.net\/az\/az%c9%99rbaycan-banklar-baglanir\/\"},\"wordCount\":1656,\"publisher\":{\"@id\":\"https:\/\/jam-news.net\/az\/#organization\"},\"image\":{\"@id\":\"https:\/\/jam-news.net\/az\/az%c9%99rbaycan-banklar-baglanir\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/jam-news.net\/app\/uploads\/2020\/08\/118252509_786913062067523_4913785073939117688_n.jpg\",\"articleSection\":[\"Azerbaijan\",\"Economics\",\"Issues\",\"Stories\"],\"inLanguage\":\"az\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/jam-news.net\/az\/az%c9%99rbaycan-banklar-baglanir\/\",\"url\":\"https:\/\/jam-news.net\/az\/az%c9%99rbaycan-banklar-baglanir\/\",\"name\":\"Az\u0259rbaycanda banklar niy\u0259 ba\u011flan\u0131r? - JAMnews\",\"isPartOf\":{\"@id\":\"https:\/\/jam-news.net\/az\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/jam-news.net\/az\/az%c9%99rbaycan-banklar-baglanir\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/jam-news.net\/az\/az%c9%99rbaycan-banklar-baglanir\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/jam-news.net\/app\/uploads\/2020\/08\/118252509_786913062067523_4913785073939117688_n.jpg\",\"datePublished\":\"2020-09-14T14:11:50+00:00\",\"dateModified\":\"2022-01-17T20:34:39+00:00\",\"description\":\"Az\u0259rbaycanda d\u00f6rd bank ba\u011flan\u0131b: koronavirusun m\u0259s\u0259l\u0259y\u0259 d\u0259xli olmad\u0131\u011f\u0131n\u0131n s\u0259b\u0259bl\u0259rini v\u0259 \u0259slind\u0259 n\u0259 ba\u015f verdiyini izah edirik\",\"breadcrumb\":{\"@id\":\"https:\/\/jam-news.net\/az\/az%c9%99rbaycan-banklar-baglanir\/#breadcrumb\"},\"inLanguage\":\"az\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/jam-news.net\/az\/az%c9%99rbaycan-banklar-baglanir\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"az\",\"@id\":\"https:\/\/jam-news.net\/az\/az%c9%99rbaycan-banklar-baglanir\/#primaryimage\",\"url\":\"https:\/\/jam-news.net\/app\/uploads\/2020\/08\/118252509_786913062067523_4913785073939117688_n.jpg\",\"contentUrl\":\"https:\/\/jam-news.net\/app\/uploads\/2020\/08\/118252509_786913062067523_4913785073939117688_n.jpg\",\"width\":900,\"height\":600},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/jam-news.net\/az\/az%c9%99rbaycan-banklar-baglanir\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/jam-news.net\/az\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Az\u0259rbaycanda banklar niy\u0259 ba\u011flan\u0131r?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/jam-news.net\/az\/#website\",\"url\":\"https:\/\/jam-news.net\/az\/\",\"name\":\"Azerbaijani Jamnews\",\"description\":\"Caucasus News, Politics and Society\",\"publisher\":{\"@id\":\"https:\/\/jam-news.net\/az\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/jam-news.net\/az\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"az\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/jam-news.net\/az\/#organization\",\"name\":\"JAMnews\",\"url\":\"https:\/\/jam-news.net\/az\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"az\",\"@id\":\"https:\/\/jam-news.net\/az\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/jam-news.net\/app\/uploads\/2020\/05\/JAM_w.jpg\",\"contentUrl\":\"https:\/\/jam-news.net\/app\/uploads\/2020\/05\/JAM_w.jpg\",\"width\":960,\"height\":960,\"caption\":\"JAMnews\"},\"image\":{\"@id\":\"https:\/\/jam-news.net\/az\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/JAMnewsInEnglish\/\",\"https:\/\/x.com\/JAMnewsCaucasus\",\"https:\/\/www.instagram.com\/jam_news\/\",\"https:\/\/www.youtube.com\/channel\/UCXQbUCme2pykuZYXWHx4VPg\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/jam-news.net\/az\/#\/schema\/person\/67df3bb7adb46cd513fb9c4cb02361c6\",\"name\":\"JAMnews\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"az\",\"@id\":\"https:\/\/jam-news.net\/az\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/e5c27593ef900c3ab3deed4ed1c653d7?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/e5c27593ef900c3ab3deed4ed1c653d7?s=96&d=mm&r=g\",\"caption\":\"JAMnews\"},\"url\":\"https:\/\/jam-news.net\/az\/author\/margarita\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Az\u0259rbaycanda banklar niy\u0259 ba\u011flan\u0131r? - JAMnews","description":"Az\u0259rbaycanda d\u00f6rd bank ba\u011flan\u0131b: koronavirusun m\u0259s\u0259l\u0259y\u0259 d\u0259xli olmad\u0131\u011f\u0131n\u0131n s\u0259b\u0259bl\u0259rini v\u0259 \u0259slind\u0259 n\u0259 ba\u015f verdiyini izah edirik","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/jam-news.net\/az\/az\u0259rbaycan-banklar-baglanir\/","og_locale":"az_AZ","og_type":"article","og_title":"Az\u0259rbaycanda banklar niy\u0259 ba\u011flan\u0131r? - JAMnews","og_description":"Az\u0259rbaycanda d\u00f6rd bank ba\u011flan\u0131b: koronavirusun m\u0259s\u0259l\u0259y\u0259 d\u0259xli olmad\u0131\u011f\u0131n\u0131n s\u0259b\u0259bl\u0259rini v\u0259 \u0259slind\u0259 n\u0259 ba\u015f verdiyini izah edirik","og_url":"https:\/\/jam-news.net\/az\/az\u0259rbaycan-banklar-baglanir\/","og_site_name":"Azerbaijani Jamnews","article_publisher":"https:\/\/www.facebook.com\/JAMnewsInEnglish\/","article_published_time":"2020-09-14T14:11:50+00:00","article_modified_time":"2022-01-17T20:34:39+00:00","og_image":[{"width":900,"height":600,"url":"https:\/\/jam-news.net\/app\/uploads\/2020\/08\/118252509_786913062067523_4913785073939117688_n.jpg","type":"image\/jpeg"}],"author":"JAMnews","twitter_card":"summary_large_image","twitter_creator":"@JAMnewsCaucasus","twitter_site":"@JAMnewsCaucasus","twitter_misc":{"Written by":"JAMnews","Est. reading time":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/jam-news.net\/az\/az%c9%99rbaycan-banklar-baglanir\/#article","isPartOf":{"@id":"https:\/\/jam-news.net\/az\/az%c9%99rbaycan-banklar-baglanir\/"},"author":{"name":"JAMnews","@id":"https:\/\/jam-news.net\/az\/#\/schema\/person\/67df3bb7adb46cd513fb9c4cb02361c6"},"headline":"Az\u0259rbaycanda banklar niy\u0259 ba\u011flan\u0131r?","datePublished":"2020-09-14T14:11:50+00:00","dateModified":"2022-01-17T20:34:39+00:00","mainEntityOfPage":{"@id":"https:\/\/jam-news.net\/az\/az%c9%99rbaycan-banklar-baglanir\/"},"wordCount":1656,"publisher":{"@id":"https:\/\/jam-news.net\/az\/#organization"},"image":{"@id":"https:\/\/jam-news.net\/az\/az%c9%99rbaycan-banklar-baglanir\/#primaryimage"},"thumbnailUrl":"https:\/\/jam-news.net\/app\/uploads\/2020\/08\/118252509_786913062067523_4913785073939117688_n.jpg","articleSection":["Azerbaijan","Economics","Issues","Stories"],"inLanguage":"az"},{"@type":"WebPage","@id":"https:\/\/jam-news.net\/az\/az%c9%99rbaycan-banklar-baglanir\/","url":"https:\/\/jam-news.net\/az\/az%c9%99rbaycan-banklar-baglanir\/","name":"Az\u0259rbaycanda banklar niy\u0259 ba\u011flan\u0131r? - JAMnews","isPartOf":{"@id":"https:\/\/jam-news.net\/az\/#website"},"primaryImageOfPage":{"@id":"https:\/\/jam-news.net\/az\/az%c9%99rbaycan-banklar-baglanir\/#primaryimage"},"image":{"@id":"https:\/\/jam-news.net\/az\/az%c9%99rbaycan-banklar-baglanir\/#primaryimage"},"thumbnailUrl":"https:\/\/jam-news.net\/app\/uploads\/2020\/08\/118252509_786913062067523_4913785073939117688_n.jpg","datePublished":"2020-09-14T14:11:50+00:00","dateModified":"2022-01-17T20:34:39+00:00","description":"Az\u0259rbaycanda d\u00f6rd bank ba\u011flan\u0131b: koronavirusun m\u0259s\u0259l\u0259y\u0259 d\u0259xli olmad\u0131\u011f\u0131n\u0131n s\u0259b\u0259bl\u0259rini v\u0259 \u0259slind\u0259 n\u0259 ba\u015f verdiyini izah edirik","breadcrumb":{"@id":"https:\/\/jam-news.net\/az\/az%c9%99rbaycan-banklar-baglanir\/#breadcrumb"},"inLanguage":"az","potentialAction":[{"@type":"ReadAction","target":["https:\/\/jam-news.net\/az\/az%c9%99rbaycan-banklar-baglanir\/"]}]},{"@type":"ImageObject","inLanguage":"az","@id":"https:\/\/jam-news.net\/az\/az%c9%99rbaycan-banklar-baglanir\/#primaryimage","url":"https:\/\/jam-news.net\/app\/uploads\/2020\/08\/118252509_786913062067523_4913785073939117688_n.jpg","contentUrl":"https:\/\/jam-news.net\/app\/uploads\/2020\/08\/118252509_786913062067523_4913785073939117688_n.jpg","width":900,"height":600},{"@type":"BreadcrumbList","@id":"https:\/\/jam-news.net\/az\/az%c9%99rbaycan-banklar-baglanir\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/jam-news.net\/az\/"},{"@type":"ListItem","position":2,"name":"Az\u0259rbaycanda banklar niy\u0259 ba\u011flan\u0131r?"}]},{"@type":"WebSite","@id":"https:\/\/jam-news.net\/az\/#website","url":"https:\/\/jam-news.net\/az\/","name":"Azerbaijani Jamnews","description":"Caucasus News, Politics and Society","publisher":{"@id":"https:\/\/jam-news.net\/az\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/jam-news.net\/az\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"az"},{"@type":"Organization","@id":"https:\/\/jam-news.net\/az\/#organization","name":"JAMnews","url":"https:\/\/jam-news.net\/az\/","logo":{"@type":"ImageObject","inLanguage":"az","@id":"https:\/\/jam-news.net\/az\/#\/schema\/logo\/image\/","url":"https:\/\/jam-news.net\/app\/uploads\/2020\/05\/JAM_w.jpg","contentUrl":"https:\/\/jam-news.net\/app\/uploads\/2020\/05\/JAM_w.jpg","width":960,"height":960,"caption":"JAMnews"},"image":{"@id":"https:\/\/jam-news.net\/az\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/JAMnewsInEnglish\/","https:\/\/x.com\/JAMnewsCaucasus","https:\/\/www.instagram.com\/jam_news\/","https:\/\/www.youtube.com\/channel\/UCXQbUCme2pykuZYXWHx4VPg"]},{"@type":"Person","@id":"https:\/\/jam-news.net\/az\/#\/schema\/person\/67df3bb7adb46cd513fb9c4cb02361c6","name":"JAMnews","image":{"@type":"ImageObject","inLanguage":"az","@id":"https:\/\/jam-news.net\/az\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/e5c27593ef900c3ab3deed4ed1c653d7?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/e5c27593ef900c3ab3deed4ed1c653d7?s=96&d=mm&r=g","caption":"JAMnews"},"url":"https:\/\/jam-news.net\/az\/author\/margarita\/"}]}},"_links":{"self":[{"href":"https:\/\/jam-news.net\/az\/wp-json\/wp\/v2\/posts\/33738","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jam-news.net\/az\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/jam-news.net\/az\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/jam-news.net\/az\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/jam-news.net\/az\/wp-json\/wp\/v2\/comments?post=33738"}],"version-history":[{"count":3,"href":"https:\/\/jam-news.net\/az\/wp-json\/wp\/v2\/posts\/33738\/revisions"}],"predecessor-version":[{"id":34499,"href":"https:\/\/jam-news.net\/az\/wp-json\/wp\/v2\/posts\/33738\/revisions\/34499"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jam-news.net\/az\/wp-json\/wp\/v2\/media\/33691"}],"wp:attachment":[{"href":"https:\/\/jam-news.net\/az\/wp-json\/wp\/v2\/media?parent=33738"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jam-news.net\/az\/wp-json\/wp\/v2\/categories?post=33738"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jam-news.net\/az\/wp-json\/wp\/v2\/tags?post=33738"},{"taxonomy":"formation","embeddable":true,"href":"https:\/\/jam-news.net\/az\/wp-json\/wp\/v2\/formation?post=33738"},{"taxonomy":"post-author","embeddable":true,"href":"https:\/\/jam-news.net\/az\/wp-json\/wp\/v2\/post-author?post=33738"},{"taxonomy":"topic","embeddable":true,"href":"https:\/\/jam-news.net\/az\/wp-json\/wp\/v2\/topic?post=33738"},{"taxonomy":"tooltip","embeddable":true,"href":"https:\/\/jam-news.net\/az\/wp-json\/wp\/v2\/tooltip?post=33738"},{"taxonomy":"city","embeddable":true,"href":"https:\/\/jam-news.net\/az\/wp-json\/wp\/v2\/city?post=33738"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}