M\u0259rk\u0259zi Bank t\u0259r\u0259find\u0259n kredit riskl\u0259rinin s\u0131\u011fortalanmas\u0131na dair qaydalar haz\u0131rlan\u0131b v\u0259 onlar\u0131n q\u0131sa m\u00fcdd\u0259td\u0259 t\u0259tbiqi g\u00f6zl\u0259nilir. Yeni t\u0259nziml\u0259m\u0259l\u0259r i\u015fsizlik v\u0259 \u0259m\u0259k qabiliyy\u0259tinin itirilm\u0259si kimi hallarda kreditin \u00f6d\u0259m\u0259sinin \u00fc\u00e7\u00fcnc\u00fc t\u0259r\u0259fin \u2014 s\u0131\u011forta \u015firk\u0259tinin \u2014 v\u0259saiti hesab\u0131na t\u0259min edilm\u0259sini n\u0259z\u0259rd\u0259 tutur.<\/p>\n
Qaydalar haz\u0131rk\u0131 praktikaya \u0259lav\u0259 olaraq i\u015fsiz qalma riskinin s\u0131\u011fortalanmas\u0131n\u0131 \u0259hat\u0259 ed\u0259c\u0259k; haz\u0131rda borcalan\u0131n h\u0259yat\u0131, \u00f6l\u00fcm\u00fc v\u0259 \u0259m\u0259k qabiliyy\u0259tinin itirilm\u0259si hallar\u0131n\u0131n s\u0131\u011fortalanmas\u0131 M\u0259rk\u0259zi Bank\u0131n qaydalar\u0131 il\u0259 t\u0259nziml\u0259nir. Yeni s\u0131\u011forta yaln\u0131z q\u00fcvv\u0259d\u0259 olan \u0259m\u0259k m\u00fcqavil\u0259si \u0259sas\u0131nda i\u015fl\u0259y\u0259n \u015f\u0259xsl\u0259r\u0259 \u015famil edil\u0259c\u0259k v\u0259 \u015f\u0259rtl\u0259rin \u201c\u0130\u015fsizlikd\u0259n s\u0131\u011forta\u201d haqq\u0131nda Qanunun t\u0259l\u0259bl\u0259rin\u0259 uy\u011fun olmas\u0131 g\u00f6zl\u0259nilir.<\/p>\n
S\u0131\u011forta hadis\u0259si ba\u015f ver\u0259rs\u0259, qaydalara uy\u011fun olaraq kredit tam v\u0259 ya qism\u0259n s\u0131\u011forta \u015firk\u0259ti t\u0259r\u0259find\u0259n \u00f6d\u0259nil\u0259 bil\u0259r; s\u0131\u011forta hallar\u0131na i\u015f yerinin l\u0259\u011fvi, \u015ftat ixtisarlar\u0131, \u0259m\u0259k m\u00fcqavil\u0259sinin m\u00fcdd\u0259tinin ba\u015fa \u00e7atmas\u0131, m\u00fc\u0259ssis\u0259 sahibinin d\u0259yi\u015fm\u0259si v\u0259 m\u0259hk\u0259m\u0259nin qanuni q\u00fcvv\u0259y\u0259 minmi\u015f q\u0259tnam\u0259si il\u0259 i\u015f\u0259 b\u0259rpa kimi hallar\u0131n daxil edil\u0259c\u0259yi g\u00f6st\u0259rilib.<\/p>\n
Banklardan kredit g\u00f6t\u00fcr\u0259n \u015f\u0259xsl\u0259r\u0259 i\u015fsizlikd\u0259n s\u0131\u011fortan\u0131n m\u0259cburi \u015f\u0259kild\u0259 t\u0259klif edilm\u0259si planla\u015fd\u0131r\u0131l\u0131r; istehlak kreditl\u0259ri \u00fc\u00e7\u00fcn bu s\u0131\u011forta xidm\u0259tinin k\u00f6n\u00fcll\u00fc saxlanaca\u011f\u0131 bildirilir. Deputat qeyd edib ki, s\u0131\u011fortadan istifad\u0259 kredit g\u00f6t\u00fcr\u0259n \u00fc\u00e7\u00fcn \u0259lav\u0259 x\u0259rc dem\u0259kdir v\u0259 yaln\u0131z s\u0131\u011forta \u00f6d\u0259ni\u015fl\u0259ri h\u0259yata ke\u00e7irildiyi halda \u00f6hd\u0259likl\u0259r qar\u015f\u0131lana bil\u0259r.<\/p>\n
M\u0259nb\u0259d\u0259 bildirilir ki, kredit riskl\u0259rinin s\u0131\u011fortalanmas\u0131 banklar\u0131n birba\u015fa v\u0259 dolay\u0131 x\u0259rcl\u0259rini azalda bil\u0259r v\u0259 bunun n\u0259tic\u0259sind\u0259 banklar\u0131n kreditl\u0259r \u00fczr\u0259 faiz d\u0259r\u0259c\u0259l\u0259rind\u0259 azalma ola bil\u0259r; bu is\u0259 s\u0131\u011forta xidm\u0259tinin istifad\u0259sini stimulla\u015fd\u0131ra bil\u0259r.<\/p>\n