{"id":3530,"date":"2016-06-14T00:00:00","date_gmt":"2016-06-14T00:00:00","guid":{"rendered":"http:\/\/jam-news.net\/az\/pul-t%c9%99l%c9%99si\/"},"modified":"2021-11-06T14:55:14","modified_gmt":"2021-11-06T10:55:14","slug":"pul-t%c9%99l%c9%99si","status":"publish","type":"post","link":"https:\/\/jam-news.net\/az\/pul-t%c9%99l%c9%99si\/","title":{"rendered":"Pul t\u0259l\u0259si"},"content":{"rendered":"<p><span style=\"font-size: 12pt;\">G&uuml;rc&uuml;standa onlayn-kreditl\u0259\u015fdirm\u0259 narkotik kimidir: \u0259vv\u0259lc\u0259 \u015firnikirs\u0259n, sonra alud\u0259&ccedil;ilik yaran\u0131r, bir m&uuml;dd\u0259t sonra is\u0259 kreditd\u0259n ba\u015fqa he&ccedil; n\u0259 bar\u0259d\u0259 d&uuml;\u015f&uuml;n\u0259 bilmirs\u0259n. \u018fvv\u0259lc\u0259 g&ouml;zl\u0259rin\u0259 c&uuml;zi g&ouml;r&uuml;n\u0259n m\u0259bl\u0259\u011f &ndash; s\u0259n\u0259 maa\u015fa q\u0259d\u0259r c\u0259mi 100 dollar &ccedil;atm\u0131rd\u0131 &ndash; qorxulu yuxudak\u0131 kimi s&uuml;r\u0259tl\u0259 artma\u011fa ba\u015flay\u0131r. S\u0259n d\u0259 borclu olduqlar\u0131ndan he&ccedil; olmasa kimis\u0259 raz\u0131 salmaq &uuml;&ccedil;&uuml;n dayanmadan borc g&ouml;t&uuml;r&uuml;rs\u0259n. Borc ver\u0259nl\u0259r is\u0259 art\u0131q az qala h\u0259r h\u0259ft\u0259 mobil telefon n&ouml;mr\u0259l\u0259rini d\u0259yi\u015fm\u0259yin\u0259, \u015f\u0259h\u0259r telefonunu s&ouml;nd&uuml;rm\u0259yin\u0259 v\u0259 qohumlar\u0131ndan cavab ver\u0259r\u0259k, harasa getdiyini dem\u0259y\u0259 xahi\u015f etm\u0259yin\u0259 baxmayaraq, dayanmadan z\u0259ng edirl\u0259r.<\/span><\/p>\n<p><span style=\"font-size: 12pt;\">\u0130\u015fsizlik, \u0259halinin a\u015fa\u011f\u0131 g\u0259lir s\u0259viyy\u0259si, qeyri-ciddiliyi yoxsa d&ouml;vl\u0259t t\u0259r\u0259find\u0259n kifay\u0259t q\u0259d\u0259r n\u0259zar\u0259tin olmamas\u0131 &ndash; bu amill\u0259rd\u0259n hans\u0131 h\u0259lledicidir?<\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"color: #993366;\"><strong><span style=\"font-size: 14pt;\">\u015eirnikl\u0259ndirm\u0259 nec\u0259 ba\u015f verir<\/p>\n<div><img decoding=\"async\" src=\"http:\/\/jam-news.net\/Uploads\/Publication\/1799\/ContentImages\/az-Latn-AZ\/Anastasia Logvinenko drawing.jpg\" \/><span class='post-image-caption'><\/span><\/div>\n<p><\/span><\/strong><\/span><\/p>\n<p><span style=\"font-size: 12pt;\">G&uuml;rc&uuml;standa indi bel\u0259dir: s\u0259n s&uuml;r\u0259tli kreditin arxas\u0131nca getm\u0259s\u0259n d\u0259, o s\u0259ni t\u0259qib ed\u0259c\u0259k. S\u0259n h\u0259r bir reklam fasil\u0259sind\u0259 s\u0259ni onlayn kreditl\u0259\u015fm\u0259nin xidm\u0259tl\u0259rind\u0259n istifad\u0259 etm\u0259yi &ccedil;a\u011f\u0131ran televizoru s&ouml;nd&uuml;r\u0259, d\u0259qiq\u0259 ba\u015f\u0131 h\u0259min reklamlar\u0131n &ccedil;\u0131xd\u0131\u011f\u0131 saytlar\u0131 ba\u011flaya, telefonuna onlarla sayda g\u0259l\u0259n reklam xarakterli mesajlar\u0131 sil\u0259 bil\u0259rs\u0259n. Bu zaman da Tbilisid\u0259 \u0259n q\u0259l\u0259b\u0259lik metro stansiyalar\u0131n\u0131n yan\u0131nda duran car&ccedil;\u0131 uca s\u0259sl\u0259 s\u0259n\u0259 bu c\u0259lbedici t\u0259klifi ed\u0259c\u0259k: &ldquo;S&uuml;r\u0259tli kredit! Min lariy\u0259 q\u0259d\u0259r kredit g&ouml;t&uuml;r&uuml;n! V\u0259 s\u0259n n\u0259hay\u0259t t\u0259slim olursan.<\/span><\/p>\n<p><span style=\"font-size: 12pt;\">Onlayn kredit t\u0259\u015fkilatlar\u0131 G&uuml;rc&uuml;standa 2014-c&uuml; ild\u0259 yaran\u0131b. Bu g&uuml;n art\u0131q onlarla bel\u0259 t\u0259\u015fkilat var. Dem\u0259k olar ki, ham\u0131s\u0131n\u0131n \u015f\u0259rtl\u0259ri eyni v\u0259 &ccedil;ox sad\u0259dir. Kredit 15 d\u0259qiq\u0259 \u0259rzind\u0259 r\u0259smil\u0259\u015fdirilir, m\u0259bl\u0259\u011fi almaq &uuml;&ccedil;&uuml;n is\u0259 he&ccedil; evd\u0259n &ccedil;\u0131xma\u011fa da ehtiyac olmur. T\u0259\u015fkilat\u0131n sayt\u0131nda elektron forman\u0131 doldurmaq kifay\u0259tdir, m\u0259bl\u0259\u011fin al\u0131nmas\u0131 is\u0259 telefonuna g\u0259l\u0259n mesajda t\u0259sdiql\u0259nir. V\u0259 \u0259n \u0259sas\u0131 &ndash; bu krediti almaq &uuml;&ccedil;&uuml;n sizd\u0259n &ouml;d\u0259m\u0259 qabiliyy\u0259tli olman\u0131za z\u0259man\u0259t ver\u0259n he&ccedil; bir s\u0259n\u0259d t\u0259l\u0259b etm\u0259y\u0259c\u0259kl\u0259r. Bu zaman n\u0259 maa\u015f\u0131n h\u0259cmi, n\u0259 i\u015fin olub-olmamas\u0131 he&ccedil; kimi maraqland\u0131rm\u0131r. S&uuml;r\u0259tli krediti almaq &uuml;&ccedil;&uuml;n \u015f\u0259xsiyy\u0259t v\u0259siq\u0259sinin olmas\u0131 kifay\u0259t edir. Adi vaxtda \u015f&uuml;bh\u0259li g&ouml;r&uuml;n\u0259n t\u0259klif pula b&ouml;y&uuml;k ehtiyac\u0131n oldu\u011fu zaman c\u0259lbedici g&ouml;r&uuml;n\u0259 bil\u0259r.<\/span><\/p>\n<p><span style=\"font-size: 12pt;\">Xeyli daha ehtiyatl\u0131 davranan banklardan f\u0259rqli olaraq, kredit t\u0259\u015fkilat\u0131 borcun verilm\u0259si &uuml;&ccedil;&uuml;n he&ccedil; bir \u015f\u0259rt qoymur, ya\u015f h\u0259ddind\u0259n ba\u015fqa. <\/span><br \/><span style=\"font-size: 12pt;\">Qanunla pul 20 ya\u015f\u0131na &ccedil;atm\u0131\u015f v\u0259 65 ya\u015f\u0131n\u0131 haqlamam\u0131\u015f insanlara verilir. T\u0259\u015fkilatlar\u0131n verdiyi \u0259n b&ouml;y&uuml;k m\u0259bl\u0259\u011f 1500 lari t\u0259\u015fkil edir.<\/span><\/p>\n<p style=\"text-align: center;\"><strong><span style=\"font-size: 14pt; color: #993366;\">T\u0259l\u0259 n\u0259d\u0259dir<\/span><\/strong><\/p>\n<p style=\"text-align: center;\"><strong><span style=\"font-size: 14pt; color: #993366;\"><\/p>\n<div><img decoding=\"async\" src=\"http:\/\/jam-news.net\/Uploads\/Publication\/1799\/ContentImages\/az-Latn-AZ\/nomer18SMALL.jpg\" \/><span class='post-image-caption'><\/span><\/div>\n<p><\/span><\/strong><\/p>\n<p><span style=\"font-size: 12pt;\">Amma s&uuml;r\u0259tli v\u0259 rahat borc almaq n&ouml;v&uuml; he&ccedil; d\u0259 h\u0259mi\u015f\u0259 \u0259n ucuz olmur. \u015eirk\u0259tl\u0259r \u0259lav\u0259 s\u0259n\u0259d v\u0259 aray\u0131\u015f t\u0259l\u0259b etm\u0259d\u0259n kredit verirl\u0259r v\u0259 bel\u0259likl\u0259 d\u0259 &ouml;zl\u0259rinin d\u0259 dediyi kimi, banklardan daha &ccedil;ox risk edirl\u0259r. Buna g&ouml;r\u0259 d\u0259 faiz d\u0259r\u0259c\u0259si bankdak\u0131ndan xeyli daha y&uuml;ks\u0259kdir. <\/span><br \/><span style=\"font-size: 12pt;\">T\u0259\u015fkilatlar t\u0259r\u0259find\u0259n veril\u0259n ilk kredit ad\u0259t\u0259n faizsiz olur. N&ouml;vb\u0259ti kreditd\u0259n komisyon haqq\u0131 is\u0259 orta hesabla ayda 19-20 faiz h\u0259ddind\u0259 m&uuml;\u0259yy\u0259n olunur. Borclu pulu qaytarmaq vaxt\u0131n\u0131 kreditin \u0259sas m\u0259bl\u0259\u011finin 20 faizini &ouml;d\u0259m\u0259kl\u0259 uzada bil\u0259r. Borclu bundan sonra da krediti qaytara bilm\u0259diyi halda onun &ouml;d\u0259nm\u0259sini daha bir ne&ccedil;\u0259 d\u0259f\u0259 uzada bil\u0259r. M&uuml;\u0259yy\u0259n olunmu\u015f m&uuml;dd\u0259t \u0259rzind\u0259 &ouml;d\u0259m\u0259 qabiliyy\u0259tinin olmad\u0131\u011f\u0131 halda kreditin m\u0259bl\u0259\u011fin\u0259 c\u0259rim\u0259 \u015f\u0259klind\u0259 20 lari v\u0259 h\u0259r bir uzad\u0131lan \u0259lav\u0259 g&uuml;n\u0259 g&ouml;r\u0259 1,5 faiz \u0259lav\u0259 olunur.<\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-size: 14pt;\"><strong><span style=\"color: #993366;\">Adi kalkulyasiya<\/span><\/strong><\/span><\/p>\n<p><span style=\"font-size: 12pt;\">Dey\u0259k ki, insan t\u0259\u015fkilata m&uuml;raci\u0259t edib, bir ayl\u0131q 300 lari (t\u0259xmin\u0259n 140 dollar) h\u0259cmind\u0259 kredit g&ouml;t&uuml;r&uuml;bs\u0259, ay\u0131n ax\u0131r\u0131nda 360 lari (y\u0259ni art\u0131q 170 dollar) qaytar\u0131r. H\u0259r bir ay m&uuml;dd\u0259tin\u0259 uzad\u0131lan &ouml;d\u0259m\u0259y\u0259 g&ouml;r\u0259 borclu komisyon haqq &ndash; 60 lari (30 dollara yax\u0131n) &ouml;d\u0259yir. Bu zaman 360 lari h\u0259cmind\u0259 \u0259sas m\u0259bl\u0259\u011f yerind\u0259 qal\u0131r. Kreditin &ouml;d\u0259nilm\u0259diyi g&uuml;nd\u0259n &uuml;&ccedil; ay ke&ccedil;\u0259nd\u0259n sonra borclu 20 lari (t\u0259xmin\u0259n 10 dollar) h\u0259cmind\u0259 c\u0259rim\u0259 v\u0259 h\u0259r ke&ccedil;\u0259n g&uuml;n\u0259 g&ouml;r\u0259 5 lari 40 tetri (2,5 dollar) &ouml;d\u0259yir. Ayda bu, t\u0259xmin\u0259n 165 lari (t\u0259xmin\u0259n 80 dollar edir). N\u0259tic\u0259d\u0259 &uuml;&ccedil; ayl\u0131q m&ouml;hl\u0259t v\u0259 c\u0259rim\u0259nin m\u0259bl\u0259\u011fi 725 lari (340 dollar) t\u0259\u015fkil edir. <\/span><br \/><span style=\"font-size: 12pt;\">\u0130ndi ba\u015fa d&uuml;\u015f&uuml;rs&uuml;z, il \u0259rzind\u0259 onun m\u0259bl\u0259\u011fi n\u0259 q\u0259d\u0259r arta bil\u0259r.<\/span><\/p>\n<p><span style=\"font-size: 12pt;\">Bunlar\u0131n i&ccedil;ind\u0259 \u0259n qabaqc\u0131l t\u0259\u015fkilatlar\u0131n xidm\u0259tl\u0259rind\u0259n istifad\u0259 ed\u0259n Georginin borcu il \u0259rzind\u0259 astronomik h\u0259dd\u0259 &ccedil;atd\u0131. 2014-c&uuml; ilin sentyabr ay\u0131nda o vivus.ge kredit \u015firk\u0259tin\u0259 m&uuml;raci\u0259t ed\u0259r\u0259k, 200 lari (100 dollara yax\u0131n) ald\u0131. G\u0259l\u0259n ay\u0131n ax\u0131r\u0131na yax\u0131n o 230 lari (y\u0259ni &uuml;st&uuml;nd\u0259n \u0259lav\u0259 15 dollar) &ouml;d\u0259di. \u0130ndi t\u0259\u015fkilatlar birinci krediti faizsiz verir, o vaxtlar onlar\u0131n he&ccedil; birinin bel\u0259 bonuslar\u0131 olmay\u0131b. Georginin maa\u015f\u0131 o vaxtlar 500 lari (235 dollar) idi v\u0259 bir g&uuml;n o sad\u0259c\u0259 g\u0259l\u0259n maa\u015fa q\u0259d\u0259r pulunu x\u0259rcl\u0259di v\u0259 yenid\u0259n borca el\u0259 h\u0259min m\u0259bl\u0259\u011fi g&ouml;t&uuml;rm\u0259li oldu. G\u0259l\u0259n ay\u0131n ax\u0131r\u0131na q\u0259d\u0259r art\u0131q 280 lari (130 dollardan &ccedil;ox) &ouml;d\u0259di. Aydan aya bu c&uuml;r davam edirdi, ta m\u0259bl\u0259\u011f ayl\u0131q maa\u015f\u0131n\u0131n h\u0259cmin\u0259 g\u0259lib &ccedil;atana q\u0259d\u0259r. <\/span><br \/><span style=\"font-size: 12pt;\">M\u0259hz onda da Georgi borc quyusuna d&uuml;\u015f\u0259n bir &ccedil;ox adam kimi h\u0259r\u0259k\u0259t etdi, y\u0259ni ba\u015fqa bir t\u0259\u015fkilata m&uuml;raci\u0259t edib, \u0259vv\u0259lki borcunun qaytar\u0131lmas\u0131 &uuml;&ccedil;&uuml;n kredit g&ouml;t&uuml;rd&uuml;. netcredit.ge t\u0259\u015fkilat\u0131nda faiz d\u0259r\u0259c\u0259si bir az da y&uuml;ks\u0259k idi. &ldquo;Daha y&uuml;ks\u0259k maa\u015fl\u0131 i\u015f tapa bilmirdim, bu zaman b&uuml;t&uuml;n maa\u015f\u0131m 500 lari m\u0259bl\u0259\u011find\u0259 olan ikinci kreditin &ouml;d\u0259nilm\u0259sin\u0259 gedirdi. Sonra da &uuml;&ccedil;&uuml;nc&uuml; kredit &uuml;&ccedil;&uuml;n m&uuml;raci\u0259t etdim, el\u0259 eyni sxeml\u0259 ikinci kreditin &ouml;d\u0259nilm\u0259si &uuml;&ccedil;&uuml;n. V\u0259 g&uuml;nl\u0259rin bir g&uuml;n&uuml; anlay\u0131rsan ki, art\u0131q &ouml;d\u0259m\u0259y\u0259 pul yoxdur, &ccedil;&uuml;nki c\u0259mi 5 ay \u0259rzind\u0259 500 lari d&ouml;rd d\u0259f\u0259 art\u0131b, &#8211; Georgi dan\u0131\u015f\u0131r.<\/span><\/p>\n<p style=\"text-align: center;\"><strong><span style=\"font-size: 14pt; color: #993366;\">Terror&ccedil;u kollektorlar<\/span><\/strong><\/p>\n<p style=\"text-align: center;\"><strong><span style=\"font-size: 14pt; color: #993366;\"><\/p>\n<div><img decoding=\"async\" src=\"http:\/\/jam-news.net\/Uploads\/Publication\/1799\/ContentImages\/az-Latn-AZ\/12790835_1161181610559655_930743413279677840_n.jpg\" \/><span class='post-image-caption'><\/span><\/div>\n<p><\/span><\/strong><\/p>\n<p><span style=\"font-size: 12pt;\">M\u0259hz m&uuml;\u015ft\u0259rinin &ouml;d\u0259m\u0259 qabiliyy\u0259tli olmad\u0131\u011f\u0131 a\u015fkar olundu\u011fu andan da \u0259n maraql\u0131s\u0131 ba\u015flay\u0131r. Borclunun sakit h\u0259yat\u0131n\u0131n sonu g\u0259lir, &ccedil;&uuml;nki i\u015f ba\u015f\u0131na kollektorlar ke&ccedil;irl\u0259r. Bu is\u0259 o dem\u0259kdir ki, t\u0259\u015fkilata borclu qalan m&uuml;\u015ft\u0259riy\u0259 psixoloji t\u0259zyiq g&ouml;st\u0259rilm\u0259y\u0259 ba\u015flay\u0131r. T\u0259hdid xarakterli telefon z\u0259ngl\u0259ri, \u015fantaj, t\u0259hdid, m\u0259ktublar, dostlara v\u0259 qohumlara, qon\u015fulara v\u0259 tan\u0131\u015flara edil\u0259n z\u0259ngl\u0259r. M&uuml;\u015ft\u0259rid\u0259n borcunu &ouml;d\u0259m\u0259yi t\u0259l\u0259b ed\u0259n t\u0259\u015fkilat \u0259m\u0259kda\u015flar\u0131n\u0131n &ouml;zba\u015f\u0131nal\u0131\u011f\u0131n\u0131n h\u0259ddi-h&uuml;dudu yoxdur.<\/span><\/p>\n<p><span style=\"font-size: 12pt;\">Sosial \u015f\u0259b\u0259k\u0259d\u0259 is\u0259 &ldquo;Onlayn kreditl\u0259r\u0259 yox adl\u0131 b&ouml;y&uuml;k bir h\u0259r\u0259kat yaran\u0131b. &Ccedil;\u0259tin v\u0259ziyy\u0259t\u0259 d&uuml;\u015f\u0259n insanlar t\u0259cr&uuml;b\u0259l\u0259rini b&ouml;l&uuml;\u015f&uuml;r, m\u0259sl\u0259h\u0259t verir v\u0259 h&uuml;quqi k&ouml;m\u0259k al\u0131rlar. &ldquo;Facebook \u015f\u0259b\u0259k\u0259sind\u0259ki s\u0259hif\u0259nin moderatorlar\u0131 kollektorlar\u0131n qanunazidd \u0259m\u0259ll\u0259rinin s&uuml;butu kimi m&uuml;t\u0259madi olaraq kollektorlar\u0131n borclular\u0131 t\u0259hqir etdiyi, \u0259mlak\u0131n, m\u0259i\u015f\u0259t texnikas\u0131n\u0131n m&uuml;sadir\u0259 ed\u0259c\u0259kl\u0259ri v\u0259 ya fiziki zorak\u0131l\u0131q t\u0259hdidl\u0259r s\u0259sl\u0259ndirdiyi telefon dan\u0131\u015f\u0131qlar\u0131n\u0131n yaz\u0131lar\u0131n\u0131 yerl\u0259\u015fdirirl\u0259r. <\/span><br \/><span style=\"font-size: 12pt;\">\u0130\u015fl\u0259ri onlar\u0131n h&uuml;quq m&uuml;st\u0259visind\u0259 bax\u0131lmas\u0131 &uuml;&ccedil;&uuml;n m\u0259hk\u0259m\u0259y\u0259 verm\u0259k daha do\u011fru olard\u0131. Amma bu, kreditorlara \u0259l vermir, ax\u0131 bel\u0259 olan halda i\u015f m&uuml;tt\u0259himin xeyrin\u0259 h\u0259ll olunacaq. M\u0259hk\u0259m\u0259 borclunun ayl\u0131q maa\u015f\u0131n\u0131n h\u0259cmini n\u0259z\u0259r\u0259 almaqla, m\u0259bl\u0259\u011fi b&ouml;l\u0259r\u0259k, borcun &ouml;d\u0259nilm\u0259si t\u0259l\u0259bini qoyacaq. Buna g&ouml;r\u0259 d\u0259 t\u0259\u015fkilat borcluya z\u0259ng edib, onu t\u0259hdid etm\u0259yi daha &uuml;st&uuml;n tutur. Bu h&uuml;cuma he&ccedil; d\u0259 ham\u0131 tab g\u0259tirmir.<\/span><\/p>\n<p><span style=\"font-size: 12pt;\">Aprelin 23-d\u0259 Badiauri k\u0259ndinin 24 ya\u015fl\u0131 sakini &ouml;z&uuml;n&uuml; &ouml;ld&uuml;rd&uuml;. \u0130stintaq &ccedil;ox tez bir zamanda h\u0259yat\u0131na q\u0259sd ed\u0259nin vivus.ge t\u0259\u015fkilat\u0131na b&ouml;y&uuml;k borcunun oldu\u011funu &uuml;z\u0259 &ccedil;\u0131xard\u0131. O, vaxt\u0131nda m\u0259bl\u0259\u011fi &ouml;d\u0259y\u0259 bilm\u0259yib, bir m&uuml;dd\u0259t sonra is\u0259 ondan bu m\u0259bl\u0259\u011fin &uuml;&ccedil; qat art\u0131\u011f\u0131n\u0131 t\u0259l\u0259b edibl\u0259r. M\u0259rhumun dostlar\u0131 dan\u0131\u015f\u0131r ki, kollektorlar g&uuml;nd\u0259 bir ne&ccedil;\u0259 d\u0259f\u0259 z\u0259ng edib, t\u0259hdid v\u0259 t\u0259hqirl\u0259r ya\u011fd\u0131r\u0131rd\u0131lar. &Ccedil;ox ac\u0131nacaql\u0131 v\u0259ziyy\u0259t\u0259 d&uuml;\u015f\u0259n adam &ouml;z dostlar\u0131na bu problemi dan\u0131\u015fark\u0259n, b&uuml;t&uuml;n bunlardan cana doydu\u011funu v\u0259 art\u0131q h\u0259yat\u0131na q\u0259sd etm\u0259y\u0259 haz\u0131r oldu\u011funu deyib.<\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-size: 14pt;\"><strong><span style=\"color: #993366;\">N\u0259zar\u0259tsiz biznes<\/span><\/strong><\/span><\/p>\n<p><span style=\"font-size: 12pt;\">Onlayn kredit t\u0259\u015fkilatlar\u0131n\u0131n G&uuml;rc&uuml;stan bazar\u0131nda oldu\u011fu t\u0259xmin\u0259n iki il \u0259rzind\u0259 onlar\u0131n pul t\u0259l\u0259sin\u0259 b&ouml;y&uuml;k sayda insan d&uuml;\u015f&uuml;b. Onlayn kredit t\u0259\u015fkilatlar\u0131n\u0131n say\u0131n\u0131n artmas\u0131 v\u0259 borcun misilsiz y&uuml;ks\u0259n faizl\u0259ri sonda \u0259halinin k&uuml;tl\u0259vi \u015f\u0259kild\u0259 yoxsulla\u015fmas\u0131na v\u0259 iqtisadi c\u0259h\u0259td\u0259n z\u0259ifl\u0259m\u0259y\u0259 g\u0259tirib &ccedil;\u0131xara bil\u0259r. Bank ekspertl\u0259ri bildirir ki, onlayn kreditl\u0259\u015fdirm\u0259 bazar\u0131 tamamil\u0259 n\u0259zar\u0259tsizdir, ist\u0259nil\u0259n n\u0259zar\u0259tsiz biznes is\u0259 h\u0259m iqtisadiyyata, h\u0259m d\u0259 \u0259haliy\u0259 ziyan vurur. &ldquo;Bu t\u0259\u015fkilatlar\u0131n f\u0259aliyy\u0259ti a&ccedil;\u0131q olmal\u0131d\u0131r v\u0259 hesabat verilm\u0259lidir, &#8211; Liya Eliava deyir. &ndash; Bu g&uuml;n he&ccedil; kim bilmir ki, onlar vergi &ouml;d\u0259yirl\u0259r, ya yox. H\u0259r bir bel\u0259 t\u0259\u015fkilata onun qanunu pozdu\u011funu v\u0259 buna g&ouml;r\u0259 m\u0259suliyy\u0259t da\u015f\u0131yaca\u011f\u0131n\u0131 dey\u0259n t\u0259nziml\u0259yici orqan olmal\u0131d\u0131r. Onlar\u0131n f\u0259aliyy\u0259ti m&uuml;tl\u0259q lisenziyala\u015fd\u0131r\u0131lm\u0131\u015f olmal\u0131d\u0131r, &#8211; dey\u0259 o qeyd edir. <\/span><br \/><span style=\"font-size: 12pt;\">G&uuml;rc&uuml;stan h&ouml;kum\u0259ti art\u0131q onlayn kreditl\u0259\u015fdirm\u0259 sah\u0259sinin t\u0259nziml\u0259nm\u0259si &uuml;zr\u0259 qanunverici t\u0259\u015f\u0259bb&uuml;s&uuml;n&uuml;n &uuml;z\u0259rind\u0259 i\u015fl\u0259yir. M\u0259lumdur ki, onlayn kreditl\u0259\u015fdirm\u0259 bazar\u0131n\u0131n t\u0259nziml\u0259yici orqan\u0131 G&uuml;rc&uuml;stan\u0131n Milli bank\u0131 olacaq. Amma hakimiyy\u0259t\u0259 bu biznesin &uuml;z\u0259rind\u0259 n\u0259zar\u0259tin qurulmas\u0131 &uuml;&ccedil;&uuml;n (v\u0259 yeni qurbanlar\u0131n pul t\u0259l\u0259sin\u0259 d&uuml;\u015fm\u0259m\u0259si &uuml;&ccedil;&uuml;n) n\u0259 q\u0259d\u0259r vaxt\u0131n laz\u0131m oldu\u011funu h\u0259l\u0259 he&ccedil; kim bilmir.<\/span><\/p>\n<p><strong><span style=\"color: #993300; font-size: 8pt;\">D\u0259rc edilib: 14.06.2016<\/span><\/strong><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0130\u015fsizlik, \u0259halinin a\u015fa\u011f\u0131 g\u0259lir s\u0259viyy\u0259si, qeyri-ciddiliyi yoxsa d\u00f6vl\u0259t t\u0259r\u0259find\u0259n kifay\u0259t q\u0259d\u0259r n\u0259zar\u0259tin olmamas\u0131 \u2013 bu amill\u0259rd\u0259n hans\u0131 h\u0259lledicidir?<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[22,5],"tags":[],"formation":[],"post-author":[3584],"topic":[],"tooltip":[],"city":[],"class_list":["post-3530","post","type-post","status-publish","format-standard","hentry","category-iqtisadiyyat","category-siyast","post-author-sofo-zedelasvili"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.1 - 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