{"id":17572,"date":"2023-11-01T06:00:00","date_gmt":"2023-11-01T03:00:00","guid":{"rendered":"https:\/\/rockvell.com\/?p=17572"},"modified":"2023-10-31T22:35:21","modified_gmt":"2023-10-31T19:35:21","slug":"banklarda-likvidlik-riskinin-idar%c9%99-edilm%c9%99si-qaydasinin-t%c9%99sdiqi","status":"publish","type":"post","link":"https:\/\/rockvell.com\/?p=17572","title":{"rendered":"\u201cBanklarda likvidlik riskinin idar\u0259 edilm\u0259si Qaydas\u0131\u201dn\u0131n t\u0259sdiqi"},"content":{"rendered":"\n<p class=\"has-medium-font-size\"><strong>\u201cBanklarda likvidlik riskinin idar\u0259 edilm\u0259si Qaydas\u0131\u201dn\u0131n t\u0259sdiqi<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p>\u00d6lk\u0259nin strateji prioritetl\u0259rin\u0259 uy\u011fun olaraq bank sektorunun t\u0259nziml\u0259nm\u0259si \u00e7\u0259r\u00e7iv\u0259sinin beyn\u0259lxalq standartlara uy\u011funla\u015fd\u0131r\u0131lmas\u0131 v\u0259 banklarda riskl\u0259rin idar\u0259 edilm\u0259sinin t\u0259kmill\u0259\u015fdirilm\u0259si \u00e7\u0259r\u00e7iv\u0259sind\u0259 M\u0259rk\u0259zi Bank f\u0259aliyy\u0259tini davam etdirir.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/rockvell.com\/wp-content\/uploads\/2023\/03\/c67512d61dc7d00a0383df898-1024x683.jpg\" alt=\"\" class=\"wp-image-9084\" width=\"460\" height=\"306\" srcset=\"https:\/\/rockvell.com\/wp-content\/uploads\/2023\/03\/c67512d61dc7d00a0383df898-1024x683.jpg 1024w, https:\/\/rockvell.com\/wp-content\/uploads\/2023\/03\/c67512d61dc7d00a0383df898-300x200.jpg 300w, https:\/\/rockvell.com\/wp-content\/uploads\/2023\/03\/c67512d61dc7d00a0383df898-768x513.jpg 768w, https:\/\/rockvell.com\/wp-content\/uploads\/2023\/03\/c67512d61dc7d00a0383df898-360x240.jpg 360w, https:\/\/rockvell.com\/wp-content\/uploads\/2023\/03\/c67512d61dc7d00a0383df898.jpg 1500w\" sizes=\"(max-width: 460px) 100vw, 460px\" \/><\/figure><\/div>\n\n\n<p>M\u0259rk\u0259zi Bank\u0131n \u0130dar\u0259 Hey\u0259tinin 18.10.2023-c\u00fc il tarixli q\u0259rar\u0131 il\u0259 \u201cBanklarda likvidlik riskinin idar\u0259 edilm\u0259si Qaydas\u0131\u201dn\u0131n yeni redaksiyas\u0131 (Qayda) q\u0259bul edilmi\u015fdir. Q\u0259rara \u0259sas\u0259n Qayda 01.12.2023-c\u00fc il tarixind\u0259n q\u00fcvv\u0259y\u0259 min\u0259c\u0259k v\u0259 h\u0259min tarixd\u0259n 2009-cu ild\u0259n q\u00fcvv\u0259d\u0259 olan \u201cBanklar\u0131n likvidliyinin idar\u0259 olunmas\u0131 haqq\u0131nda Qaydalar\u201d l\u0259\u011fv edilmi\u015fdir.<\/p>\n\n\n\n<p>Yenil\u0259nmi\u015f Qayda beyn\u0259lxalq standartlar\u0131n son t\u0259l\u0259bl\u0259rini \u0259hat\u0259 edir, habel\u0259 \u0259vv\u0259lki qaydadak\u0131 t\u0259l\u0259bl\u0259rin daha da t\u0259kmil formada \u0259ks etdirilm\u0259sini t\u0259min edir. S\u0259m\u0259r\u0259li bank n\u0259zar\u0259ti yana\u015fmalar\u0131 formala\u015fd\u0131ran Bazel Komit\u0259sinin standartlar\u0131 il\u0259 yana\u015f\u0131 xarici n\u0259zar\u0259t orqanlar\u0131n\u0131n t\u0259cr\u00fcb\u0259si, habel\u0259 Beyn\u0259lxalq Valyuta Fondunun ekspertl\u0259rinin verdiyi t\u00f6vsiy\u0259l\u0259r, el\u0259c\u0259 d\u0259 bank ictimaiyy\u0259tli il\u0259 m\u00fczakir\u0259 zaman\u0131 m\u00fct\u0259r\u0259qqi t\u0259klifl\u0259r Qaydan\u0131n haz\u0131rlanmas\u0131 zaman\u0131 n\u0259z\u0259r\u0259 al\u0131nm\u0131\u015fd\u0131r.<\/p>\n\n\n\n<p>Qaydada likvidlik riski n\u00f6v\u00fc banklarda onun korporativ idar\u0259etm\u0259nin v\u0259 riskl\u0259rin idar\u0259 edilm\u0259si \u00e7\u0259r\u00e7iv\u0259sinin vacib elementi kimi n\u0259z\u0259r\u0259 al\u0131naraq likvidlik riski i\u015ftahas\u0131, siyas\u0259ti, daxili qaydalar\u0131, likvidlik riskinin m\u00fc\u0259yy\u0259nl\u0259\u015fdirilm\u0259si, qiym\u0259tl\u0259ndirilm\u0259si, monitorinqi v\u0259 hesabatl\u0131\u011f\u0131na dair t\u0259l\u0259bl\u0259r t\u0259kmill\u0259\u015fdirilmi\u015fdir. C\u0259lb olunmu\u015f v\u0259sait m\u0259nb\u0259l\u0259rinin konsentrasiyas\u0131na dair yeni monitorinq al\u0259ti (Herfindal-Hir\u015fman al\u0259ti) t\u0259qdim edilmi\u015f, ani likvidlik \u0259msal\u0131 normativinin t\u0259rkibi t\u0259kmill\u0259\u015fdirilmi\u015fdir. H\u0259m\u00e7inin, bank\u0131n normal v\u0259 stress \u015f\u0259raitind\u0259 \u00f6d\u0259ni\u015f v\u0259 hesabla\u015fmalar \u00fczr\u0259 yaranan \u00f6hd\u0259likl\u0259ri vaxt\u0131nda icra etm\u0259k \u00fc\u00e7\u00fcn g\u00fcnd\u0259lik likvidliyin idar\u0259 olunmas\u0131na dair prinsipl\u0259r v\u0259 t\u0259l\u0259bl\u0259r m\u00fc\u0259yy\u0259n olunmu\u015fdur.<\/p>\n\n\n\n<p>Bankda likvidlik m\u00f6vqeyi proqnozla\u015fd\u0131r\u0131lmas\u0131n\u0131n t\u0259kmill\u0259\u015fdirilm\u0259si \u00e7\u0259r\u00e7iv\u0259sind\u0259 Qaydada Bazel III standartlar\u0131nda t\u0259qdim olunan bank m\u00fc\u015ft\u0259ril\u0259rinin davran\u0131\u015f\u0131 il\u0259 \u0259laq\u0259dar tarixi m\u0259lumatlara \u0259saslanan m\u0259cmu v\u0259 xarici valyutada ayr\u0131l\u0131qda Likvidliyin \u00f6rt\u00fclm\u0259 \u0259msal\u0131 (LCR) \u0259msal\u0131 normativi g\u0259tirilmi\u015fdir. \u018fmsal\u0131n m\u0259qs\u0259di bank \u00f6z f\u0259aliyy\u0259tinin fasil\u0259siz davam etdirilm\u0259si, o c\u00fcml\u0259d\u0259n \u00f6hd\u0259likl\u0259rin tam h\u0259cmd\u0259 v\u0259 vaxt\u0131nda icra edilm\u0259si m\u0259qs\u0259dil\u0259 q\u0131sa m\u00fcdd\u0259tli d\u00f6vrd\u0259 (30 g\u00fcn) stress \u015f\u0259raitind\u0259 likvidlik \u00fczr\u0259 dayan\u0131ql\u0131\u011f\u0131n t\u0259min edilm\u0259sidir.<\/p>\n\n\n\n<p>Qaydada \u0259msal\u0131n h\u0259m xarici valyuta \u00fczr\u0259, h\u0259m d\u0259 m\u0259cmu \u015f\u0259kild\u0259 t\u0259tbiqi n\u0259z\u0259rd\u0259 tutulub. Qaydan\u0131n q\u00fcvv\u0259y\u0259 mindiyi tarixd\u0259 LCR \u0259msal\u0131 m\u0259cmu v\u0259 xarici valyutada ayr\u0131l\u0131qda 100% v\u0259 bundan \u00e7ox olan banklar \u0259msal\u0131n h\u0259min h\u0259dd\u0259n a\u015fa\u011f\u0131 d\u00fc\u015fm\u0259m\u0259sini t\u0259min etm\u0259lidir. LCR \u0259msal\u0131 100%-d\u0259n a\u015fa\u011f\u0131 olan banklar\u0131n likvidlik m\u00f6vqeyin\u0259 k\u0259skin t\u0259zyiq yaratmamaq m\u0259qs\u0259dil\u0259 \u0259msal 18-24 ay m\u00fcdd\u0259tind\u0259 m\u0259rh\u0259l\u0259li \u015f\u0259kild\u0259 t\u0259tbiq edil\u0259c\u0259kdir. \u018fmsal sistem \u0259h\u0259miyy\u0259tli banklar t\u0259r\u0259find\u0259n Qaydan\u0131n q\u00fcvv\u0259y\u0259 mindiyi g\u00fcnd\u0259n 18 ay \u0259rzind\u0259, dig\u0259r banklar t\u0259r\u0259find\u0259n is\u0259 24 ay \u0259rzind\u0259 100%-\u0259 \u00e7atd\u0131r\u0131lmal\u0131d\u0131r. LCR \u0259msal\u0131 100% h\u0259cmind\u0259 saxlan\u0131lanad\u0259k t\u0259rkibi t\u0259kmill\u0259\u015fdirilmi\u015f m\u00f6vcud ani likvidlik \u0259msal\u0131n\u0131n t\u0259tbiqi davam etdiril\u0259c\u0259kdir.<\/p>\n\n\n\n<p>S\u00f6z\u00fcged\u0259n Qaydan\u0131n t\u0259tbiqi bank sektorunda risk idar\u0259etm\u0259 potensial\u0131n\u0131n g\u00fccl\u0259ndirilm\u0259sini, potensial stress \u015f\u0259raitind\u0259 likvidlik m\u00f6vqeyinin daha d\u00fczg\u00fcn proqnozla\u015fd\u0131r\u0131lmas\u0131n\u0131 v\u0259 bununla \u00f6z dayan\u0131ql\u0131l\u0131\u011f\u0131n\u0131n daha effektiv qorunmas\u0131n\u0131 t\u0259min ed\u0259c\u0259kdir.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u201cBanklarda likvidlik riskinin idar\u0259 edilm\u0259si Qaydas\u0131\u201dn\u0131n t\u0259sdiqi \u00d6lk\u0259nin strateji prioritetl\u0259rin\u0259 uy\u011fun olaraq bank sektorunun t\u0259nziml\u0259nm\u0259si \u00e7\u0259r\u00e7iv\u0259sinin beyn\u0259lxalq standartlara uy\u011funla\u015fd\u0131r\u0131lmas\u0131 v\u0259 banklarda riskl\u0259rin idar\u0259 edilm\u0259sinin t\u0259kmill\u0259\u015fdirilm\u0259si \u00e7\u0259r\u00e7iv\u0259sind\u0259 M\u0259rk\u0259zi Bank f\u0259aliyy\u0259tini davam etdirir. M\u0259rk\u0259zi Bank\u0131n \u0130dar\u0259 Hey\u0259tinin&#8230;<\/p>\n","protected":false},"author":1,"featured_media":9084,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[41],"tags":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/17572"}],"collection":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=17572"}],"version-history":[{"count":1,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/17572\/revisions"}],"predecessor-version":[{"id":17573,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/17572\/revisions\/17573"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/media\/9084"}],"wp:attachment":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=17572"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=17572"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=17572"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}