{"id":30763,"date":"2024-11-23T01:00:00","date_gmt":"2024-11-22T22:00:00","guid":{"rendered":"https:\/\/rockvell.com\/?p=30763"},"modified":"2024-11-23T13:50:36","modified_gmt":"2024-11-23T10:50:36","slug":"accessbank-h%c9%99m-must%c9%99ril%c9%99rinin-etibarini-qoruyur-h%c9%99m-d%c9%99-%c9%99man%c9%99tl%c9%99rin-idar%c9%99-olunmasi-ucun-t%c9%99hluk%c9%99siz-muhit-yaradir","status":"publish","type":"post","link":"https:\/\/rockvell.com\/?p=30763","title":{"rendered":"AccessBank h\u0259m m\u00fc\u015ft\u0259ril\u0259rinin etibar\u0131n\u0131 qoruyur, h\u0259m d\u0259 \u0259man\u0259tl\u0259rin idar\u0259 olunmas\u0131 \u00fc\u00e7\u00fcn t\u0259hl\u00fck\u0259siz m\u00fchit yarad\u0131r"},"content":{"rendered":"\n<p class=\"has-medium-font-size\"><strong>AccessBank h\u0259m m\u00fc\u015ft\u0259ril\u0259rinin etibar\u0131n\u0131 qoruyur, h\u0259m d\u0259 \u0259man\u0259tl\u0259rin idar\u0259 olunmas\u0131 \u00fc\u00e7\u00fcn t\u0259hl\u00fck\u0259siz m\u00fchit yarad\u0131r<\/strong><\/p>\n\n\n\n<p>Az\u0259rbaycan\u0131n bank sektoru s\u00fcr\u0259tl\u0259 inki\u015faf edir v\u0259 m\u00fc\u015ft\u0259ril\u0259rin maliyy\u0259 ehtiyaclar\u0131n\u0131 \u00f6d\u0259m\u0259k \u00fc\u00e7\u00fcn m\u00fcxt\u0259lif maliyy\u0259 h\u0259ll\u0259ri, o c\u00fcml\u0259d\u0259n depozit n\u00f6vl\u0259ri t\u0259klif olunur. Az\u0259rbaycanda 100% xarici s\u0259hmdarlara malik olan yegan\u0259 bank \u2013 Accessbank, haz\u0131rda m\u00fc\u015ft\u0259ril\u0259r\u0259 bir ne\u00e7\u0259 \u0259man\u0259t n\u00f6vl\u0259ri t\u0259klif edir ki, onlardan \u0259n maraql\u0131s\u0131 \u201c\u018flveri\u015fli \u0259man\u0259t\u201d m\u0259hsuludur.&nbsp; Burada m\u00fc\u015ft\u0259ri \u0259man\u0259t faizind\u0259n g\u0259lir \u0259ld\u0259 edir, \u00fcst\u0259lik m\u00fcdd\u0259t limitl\u0259rind\u0259n azad olur. &nbsp;<\/p>\n\n\n\n<p><strong>AccessBank-\u0131n depozit m\u0259hsullar\u0131 bar\u0259d\u0259 bank\u0131n \u0130dar\u0259 Hey\u0259tinin S\u0259dri Davit Tsiklauri dan\u0131\u015f\u0131b.<\/strong><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"834\" height=\"1024\" src=\"https:\/\/rockvell.com\/wp-content\/uploads\/2024\/11\/Davit-Tsiklauri-834x1024.jpg\" alt=\"\" class=\"wp-image-30764\" style=\"width:361px;height:auto\" srcset=\"https:\/\/rockvell.com\/wp-content\/uploads\/2024\/11\/Davit-Tsiklauri-834x1024.jpg 834w, https:\/\/rockvell.com\/wp-content\/uploads\/2024\/11\/Davit-Tsiklauri-244x300.jpg 244w, https:\/\/rockvell.com\/wp-content\/uploads\/2024\/11\/Davit-Tsiklauri-768x943.jpg 768w, https:\/\/rockvell.com\/wp-content\/uploads\/2024\/11\/Davit-Tsiklauri-1251x1536.jpg 1251w, https:\/\/rockvell.com\/wp-content\/uploads\/2024\/11\/Davit-Tsiklauri-360x442.jpg 360w, https:\/\/rockvell.com\/wp-content\/uploads\/2024\/11\/Davit-Tsiklauri.jpg 1466w\" sizes=\"(max-width: 834px) 100vw, 834px\" \/><\/figure><\/div>\n\n\n<ul>\n<li><strong>AccessBank m\u00fc\u015ft\u0259ril\u0259rin\u0259 hans\u0131 depozit m\u0259hsullar\u0131n\u0131 t\u0259klif edir?<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Haz\u0131rda AccessBank m\u00fc\u015ft\u0259ril\u0259rin\u0259 \u00fc\u00e7 depozit m\u0259hsulu t\u0259klif edir: M\u00fcdd\u0259tli depozit, myGoal depoziti v\u0259 \u018fl\u00e7atan depozit. H\u0259r birinin \u00f6z\u00fcn\u0259m\u0259xsus x\u00fcsusiyy\u0259tl\u0259ri var v\u0259 m\u00fcxt\u0259lif m\u00fc\u015ft\u0259ri t\u0259l\u0259bl\u0259rin\u0259 uy\u011fun haz\u0131rlan\u0131b.<\/p>\n\n\n\n<ol>\n<li><strong>M\u00fcdd\u0259tli depozit<\/strong> m\u00fc\u0259yy\u0259n m\u00fcdd\u0259t\u0259 \u0259man\u0259t yerl\u0259\u015fdirib maksimal g\u0259lir \u0259ld\u0259 etm\u0259k ist\u0259y\u0259n m\u00fc\u015ft\u0259ril\u0259r \u00fc\u00e7\u00fcn ideal se\u00e7imdir. Bu m\u0259hsul \u00fczr\u0259 faiz d\u0259r\u0259c\u0259si m\u00fcdd\u0259t v\u0259 m\u0259bl\u0259\u011fd\u0259n as\u0131l\u0131 olaraq 12%-\u0259 q\u0259d\u0259r m\u00fc\u0259yy\u0259n olunub. Minimum m\u0259bl\u0259\u011f t\u0259l\u0259binin a\u015fa\u011f\u0131 olmas\u0131 is\u0259 bu m\u0259hsulu geni\u015f m\u00fc\u015ft\u0259ri bazas\u0131 \u00fc\u00e7\u00fcn \u0259l\u00e7atan edir.<\/li>\n\n\n\n<li><strong>myGoal (m\u0259qs\u0259dim) depoziti<\/strong> m\u00fc\u0259yy\u0259n m\u0259qs\u0259dl\u0259r \u00fc\u00e7\u00fcn m\u0259s\u0259l\u0259n, da\u015f\u0131nmaz \u0259mlak almaq, s\u0259yah\u0259t etm\u0259k v\u0259 ya avtomobil almaq \u00fc\u00e7\u00fcn y\u0131\u011f\u0131m etm\u0259k ist\u0259y\u0259n m\u00fc\u015ft\u0259ril\u0259r \u00fc\u00e7\u00fcn n\u0259z\u0259rd\u0259 tutulub. Bu depozit \u0259lav\u0259 \u00f6d\u0259ni\u015fl\u0259r etm\u0259y\u0259 imkan verir ki, bu da uzunm\u00fcdd\u0259tli y\u0131\u011f\u0131mlar \u00fc\u00e7\u00fcn \u00e7ox \u0259lveri\u015flidir. &nbsp;Yum\u015faq \u015f\u0259rtl\u0259r v\u0259 r\u0259qab\u0259t\u0259 davaml\u0131 faiz d\u0259r\u0259c\u0259l\u0259ri bu m\u0259hsulu m\u00fc\u015ft\u0259ril\u0259r \u00fc\u00e7\u00fcn x\u00fcsusil\u0259 c\u0259lbedici edir.<\/li>\n\n\n\n<li><strong>\u018flveri\u015fli depozit<\/strong> v\u0259saitl\u0259rinin ist\u0259nil\u0259n vaxt \u0259l\u00e7atanl\u0131\u011f\u0131na \u00fcst\u00fcnl\u00fck ver\u0259n m\u00fc\u015ft\u0259ril\u0259r \u00fc\u00e7\u00fcn n\u0259z\u0259rd\u0259 tutulub. V\u0259saitl\u0259rin rahat \u015f\u0259rtl\u0259rl\u0259 idar\u0259edilm\u0259si imkan\u0131 il\u0259 bu depozit m\u0259hsulu ehtiyat fondu kimi istifad\u0259 oluna bil\u0259r.&nbsp; Bundan \u0259lav\u0259, m\u00fc\u015ft\u0259ril\u0259r pul v\u0259saitl\u0259rini ist\u0259nil\u0259n vaxt faizsiz v\u0259 c\u0259rim\u0259siz g\u00f6t\u00fcr\u0259 bils\u0259l\u0259r d\u0259, qal\u0131q v\u0259saitl\u0259rd\u0259n d\u0259 faiz \u0259ld\u0259 ed\u0259 bil\u0259rl\u0259r.<\/li>\n<\/ol>\n\n\n\n<p>\u00dcmumiyy\u0259tl\u0259, m\u0259qs\u0259dimiz m\u00fc\u015ft\u0259ril\u0259rimiz\u0259 \u0259man\u0259tl\u0259rini h\u0259m qorumaq, h\u0259m d\u0259 art\u0131rmaq \u00fc\u00e7\u00fcn \u0259n s\u0259rf\u0259li \u015f\u0259rtl\u0259ri t\u0259klif etm\u0259kdir. M\u0259hsul se\u00e7imi is\u0259 m\u00fc\u015ft\u0259rinin maliyy\u0259 m\u0259qs\u0259dl\u0259rind\u0259n v\u0259 \u015f\u0259xsi t\u0259l\u0259bl\u0259rind\u0259n as\u0131l\u0131d\u0131r. Biz f\u0259rdi yana\u015fma prinsipini t\u0259tbiq edir v\u0259 m\u00fc\u015ft\u0259ril\u0259rimiz\u0259 \u0259n uy\u011fun se\u00e7im etm\u0259y\u0259 k\u00f6m\u0259klik etm\u0259y\u0259 haz\u0131r\u0131q.<\/p>\n\n\n\n<ul>\n<li><strong>H\u0259l\u0259 d\u0259 \u00f6z \u0259man\u0259tl\u0259rini banklara etibar etm\u0259y\u0259n insanlar var. Onlara hans\u0131 \u00e7a\u011f\u0131r\u0131\u015flarla m\u00fcraci\u0259t ed\u0259rdiniz?<\/strong><\/li>\n<\/ul>\n\n\n\n<p>M\u00fc\u015ft\u0259ri y\u0131\u011f\u0131mlar\u0131n\u0131n t\u0259hl\u00fck\u0259sizlik v\u0259 art\u0131m haqq\u0131 var! Banklar yaln\u0131z v\u0259saitl\u0259ri qorumaq \u00fc\u00e7\u00fcn etibarl\u0131 vasit\u0259 deyil, h\u0259m d\u0259 pulun sahibinin xeyrin\u0259 i\u015fl\u0259m\u0259si \u00fc\u00e7\u00fcn bir imkand\u0131r. Pullar\u0131 evd\u0259 saxlamaq \u0259v\u0259zin\u0259, onlar\u0131 inflyasiyadan qorumaq v\u0259 h\u0259tta a\u011f\u0131ll\u0131 &nbsp;maliyy\u0259 h\u0259ll\u0259ri il\u0259 art\u0131rmaq m\u00fcmk\u00fcnd\u00fcr.<\/p>\n\n\n\n<p>Banklara etibar etm\u0259yin \u00fcst\u00fcnl\u00fckl\u0259ri var: v\u0259saitl\u0259rin qorunmas\u0131 v\u0259 s\u0131\u011fortalanmas\u0131 &#8211; \u00e7\u00fcnki \u0259man\u0259tl\u0259rin b\u00f6y\u00fck \u0259ks\u0259riyy\u0259ti d\u00f6vl\u0259t t\u0259r\u0259find\u0259n s\u0131\u011fortalan\u0131r; maliyy\u0259 savadl\u0131l\u0131\u011f\u0131 &#8211; biz m\u00fc\u015ft\u0259ril\u0259r\u0259 minimum riskl\u0259rl\u0259 \u0259man\u0259t yerl\u0259\u015fdirm\u0259yin yollar\u0131n\u0131 izah etm\u0259y\u0259 haz\u0131r\u0131q; rahatl\u0131q v\u0259 n\u0259zar\u0259t &#8211; m\u00fcasir texnologiyalar vasit\u0259sil\u0259 \u0259man\u0259tl\u0259ri onlayn \u015f\u0259kild\u0259 asanl\u0131qla idar\u0259 etm\u0259k m\u00fcmk\u00fcnd\u00fcr. D\u00fc\u015f\u00fcn\u00fcr\u0259m ki, bu \u015f\u0259rtl\u0259r pullar\u0131 z\u0259man\u0259tsiz v\u0259 art\u0131ms\u0131z evd\u0259 saxlamaqdan daha s\u0259rf\u0259lidir.<\/p>\n\n\n\n<ul>\n<li><strong>AccessBank m\u00fc\u015ft\u0259ril\u0259rinin \u0259man\u0259tl\u0259rini nec\u0259 qoruyur?<\/strong><\/li>\n<\/ul>\n\n\n\n<p>M\u00fc\u015ft\u0259ril\u0259rimizin v\u0259saitl\u0259rinin qorunmas\u0131 bizim prioritet v\u0259zif\u0259mizdir. T\u0259hl\u00fck\u0259sizlik t\u0259dbirl\u0259ri \u00e7\u0259r\u00e7iv\u0259sind\u0259 s\u0259rt qanunvericilik v\u0259 maliyy\u0259 standartlar\u0131na riay\u0259t edirik. X\u00fcsusil\u0259, \u0259man\u0259tl\u0259rin s\u0131\u011fortalanmas\u0131 il\u0259 ba\u011fl\u0131 qanunvericiliy\u0259 \u0259saslan\u0131r\u0131q. \u00ab\u018fman\u0259tl\u0259rin S\u0131\u011fortalanmas\u0131\u00bb haqq\u0131nda qanuna \u0259sas\u0259n, m\u00fc\u015ft\u0259ril\u0259rin \u0259man\u0259tl\u0259ri d\u00f6vl\u0259t t\u0259r\u0259find\u0259n qorunur v\u0259 s\u0131\u011fortalanan \u0259man\u0259tl\u0259r \u00fczr\u0259 kompensasiya 100.000 manat t\u0259\u015fkil edir. Manatla olan \u0259man\u0259tl\u0259r \u00fc\u00e7\u00fcn s\u0131\u011forta faizi 12%, xarici valyutada olan \u0259man\u0259tl\u0259r \u00fc\u00e7\u00fcn is\u0259 2,5%-dir. Bu da o dem\u0259kdir ki, qanunda n\u0259z\u0259rd\u0259 tutulan &nbsp;t\u0259l\u0259bl\u0259r\u0259 uy\u011fun olan v\u0259saitl\u0259r tam s\u0131\u011fortalan\u0131r v\u0259 itki riski istisna olunur.<\/p>\n\n\n\n<p>Bundan \u0259lav\u0259, AccessBank ehtiyatlar\u0131n idar\u0259edilm\u0259sind\u0259 m\u00fcvafiq qaydalara \u0259m\u0259l etm\u0259kl\u0259 likvidliyin idar\u0259etm\u0259 prosesin\u0259 x\u00fcsusi diqq\u0259t yetirir ki,&nbsp; m\u00fc\u015ft\u0259ril\u0259r qar\u015f\u0131s\u0131nda olan &nbsp;\u00f6hd\u0259likl\u0259rini yerin\u0259 yetirm\u0259k \u00fc\u00e7\u00fcn kifay\u0259t q\u0259d\u0259r ehtiyat\u0131m\u0131z olsun. Bank\u0131n likvidlik g\u00f6st\u0259ricil\u0259ri m\u00fcnt\u0259z\u0259m olaraq izl\u0259nilir v\u0259 &nbsp;M\u0259rk\u0259zi Bank\u0131n\u0131n t\u0259l\u0259bl\u0259rin\u0259 uy\u011fun olaraq t\u0259nziml\u0259nir ki, bu da \u00f6z n\u00f6vb\u0259sind\u0259 maliyy\u0259 sabitliyini art\u0131r\u0131r.<\/p>\n\n\n\n<p>Biz qanunvericiliy\u0259 v\u0259 beyn\u0259lxalq standartlara riay\u0259t edilm\u0259sin\u0259 x\u00fcsusi \u00f6n\u0259m veririk v\u0259 t\u0259nziml\u0259yici orqanlar\u0131n b\u00fct\u00fcn t\u0259limatlar\u0131n\u0131 yerin\u0259 yetir\u0259r\u0259k \u0259m\u0259liyyatlar\u0131n \u015f\u0259ffafl\u0131\u011f\u0131n\u0131 v\u0259 etibarl\u0131l\u0131\u011f\u0131n\u0131 t\u0259min edirik. &nbsp;Maliyy\u0259 g\u00f6st\u0259ricil\u0259rinin daim izl\u0259nilm\u0259si biz\u0259 \u00e7\u0259tin iqtisadi \u015f\u0259raitd\u0259 bel\u0259 dayan\u0131ql\u0131l\u0131\u011f\u0131m\u0131z\u0131 qoruma\u011fa k\u00f6m\u0259k edir.<\/p>\n\n\n\n<ul>\n<li><strong>Depozit faizl\u0259rini yenid\u0259n n\u0259z\u0259rd\u0259n ke\u00e7irm\u0259yi planla\u015fd\u0131r\u0131rs\u0131n\u0131zm\u0131?<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Depozitl\u0259r \u00fczr\u0259 faiz d\u0259r\u0259c\u0259l\u0259ri \u0259sas\u0259n bazar \u015f\u0259rtl\u0259rind\u0259n, o c\u00fcml\u0259d\u0259n iqtisadi v\u0259ziyy\u0259td\u0259n, inflyasiya s\u0259viyy\u0259sind\u0259n v\u0259 M\u0259rk\u0259zi Bank\u0131n pul siyas\u0259tind\u0259n as\u0131l\u0131d\u0131r. Biz bu amill\u0259ri diqq\u0259tl\u0259 izl\u0259yirik ki, m\u00fc\u015ft\u0259ril\u0259rimiz\u0259 \u0259n s\u0259rf\u0259li \u015f\u0259rtl\u0259ri t\u0259klif ed\u0259k.&nbsp; AccessBank h\u0259r zaman r\u0259qab\u0259t\u0259davaml\u0131 olma\u011fa \u00e7al\u0131\u015f\u0131r. M\u0259qs\u0259dimiz m\u00fc\u015ft\u0259ril\u0259rimizin g\u00f6zl\u0259ntil\u0259rin\u0259 uy\u011fun, eyni zamanda bazar reall\u0131qlar\u0131n\u0131 \u0259ks etdir\u0259n c\u0259lbedici faiz d\u0259r\u0259c\u0259l\u0259ri t\u0259klif etm\u0259kdir. Biz bazar\u0131 m\u00fct\u0259madi olaraq t\u0259hlil edir v\u0259 depozit m\u0259hsullar\u0131m\u0131z\u0131n \u015f\u0259rtl\u0259rini t\u0259nziml\u0259yirik ki, m\u00fc\u015ft\u0259ril\u0259rimiz \u00fc\u00e7\u00fcn etibarl\u0131 v\u0259 s\u0259rf\u0259li t\u0259r\u0259fda\u015f ola bil\u0259k.<\/p>\n\n\n\n<p>\u018ftrafl\u0131 m\u00fcsahib\u0259 \u00fc\u00e7\u00fcn t\u0259\u015f\u0259kk\u00fcr edirik.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>AccessBank h\u0259m m\u00fc\u015ft\u0259ril\u0259rinin etibar\u0131n\u0131 qoruyur, h\u0259m d\u0259 \u0259man\u0259tl\u0259rin idar\u0259 olunmas\u0131 \u00fc\u00e7\u00fcn t\u0259hl\u00fck\u0259siz m\u00fchit yarad\u0131r Az\u0259rbaycan\u0131n bank sektoru s\u00fcr\u0259tl\u0259 inki\u015faf edir v\u0259 m\u00fc\u015ft\u0259ril\u0259rin maliyy\u0259 ehtiyaclar\u0131n\u0131 \u00f6d\u0259m\u0259k \u00fc\u00e7\u00fcn m\u00fcxt\u0259lif maliyy\u0259 h\u0259ll\u0259ri, o c\u00fcml\u0259d\u0259n depozit n\u00f6vl\u0259ri t\u0259klif olunur&#8230;.<\/p>\n","protected":false},"author":2,"featured_media":30764,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/30763"}],"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\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=30763"}],"version-history":[{"count":1,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/30763\/revisions"}],"predecessor-version":[{"id":30765,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/30763\/revisions\/30765"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/media\/30764"}],"wp:attachment":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=30763"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=30763"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=30763"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}