{"id":8667,"date":"2023-03-01T12:00:00","date_gmt":"2023-03-01T09:00:00","guid":{"rendered":"https:\/\/rockvell.com\/?p=8667"},"modified":"2023-03-01T12:36:13","modified_gmt":"2023-03-01T09:36:13","slug":"kredit-z%c9%99man%c9%99t-mexanizminin-biznesin-inkisafinda-roluna-dair-ictimai-muzakir%c9%99-t%c9%99skil-olunub","status":"publish","type":"post","link":"https:\/\/rockvell.com\/?p=8667","title":{"rendered":"Kredit z\u0259man\u0259t mexanizminin biznesin inki\u015faf\u0131nda roluna dair ictimai m\u00fczakir\u0259 t\u0259\u015fkil olunub"},"content":{"rendered":"\n

Kredit z\u0259man\u0259t mexanizminin biznesin inki\u015faf\u0131nda roluna dair ictimai m\u00fczakir\u0259 t\u0259\u015fkil olunub<\/strong><\/p>\n\n\n\n

Ki\u00e7ik v\u0259 Orta Biznesin \u0130nki\u015faf\u0131 Agentliyi (KOB\u0130A) yan\u0131nda \u0130ctimai \u015euran\u0131n t\u0259\u015fkilat\u00e7\u0131l\u0131\u011f\u0131, \u0130poteka v\u0259 Kredit Z\u0259man\u0259t Fondu v\u0259 Az\u0259rbaycan Sahibkarlar (\u0130\u015f\u0259g\u00f6t\u00fcr\u0259nl\u0259r) T\u0259\u015fkilatlar\u0131 Milli Konfederasiyas\u0131n\u0131n d\u0259st\u0259yi il\u0259 \u201cKredit z\u0259man\u0259t mexanizminin biznesin inki\u015faf\u0131nda rolu\u201d m\u00f6vzusunda ictimai m\u00fczakir\u0259 t\u0259\u015fkil olunub.<\/p>\n\n\n

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

D\u00f6vl\u0259t-sahibkar \u0259m\u0259kda\u015fl\u0131\u011f\u0131 \u00e7\u0259r\u00e7iv\u0259sind\u0259 t\u0259\u015fkil olunmu\u015f t\u0259dbird\u0259 m\u00fcvafiq d\u00f6vl\u0259t qurumlar\u0131n\u0131n, bank v\u0259 s\u0131\u011forta \u015firk\u0259tl\u0259rinin v\u0259 biznes assosiasiyalar\u0131n n\u00fcmay\u0259nd\u0259l\u0259ri i\u015ftirak edibl\u0259r.<\/p>\n\n\n\n

KOB\u0130A yan\u0131nda \u0130ctimai \u015euran\u0131n s\u0259dri F\u0259rhad Qara\u015fov<\/strong> qeyd edib ki, t\u0259dbir \u015furan\u0131n t\u0259\u015fkilat\u00e7\u0131l\u0131\u011f\u0131 il\u0259 2023-c\u00fc ild\u0259 ke\u00e7iril\u0259n ilk ictimai m\u00fczakir\u0259dir v\u0259 m\u0259qs\u0259d KOB subyektl\u0259rinin maliyy\u0259 resurslar\u0131na \u00e7\u0131x\u0131\u015f imkanlar\u0131n\u0131n m\u00fczakir\u0259 edilm\u0259si, bu sah\u0259d\u0259 d\u00f6vl\u0259t-\u00f6z\u0259l \u0259m\u0259kda\u015fl\u0131\u011f\u0131n\u0131n g\u00fccl\u0259ndirilm\u0259sidir.<\/p>\n\n\n\n

KOB\u0130A-n\u0131n \u0130dar\u0259 Hey\u0259tinin s\u0259dri Orxan M\u0259mm\u0259dov<\/strong> KOB-lar\u0131n maliyy\u0259l\u0259\u015fdirilm\u0259si v\u0259ziyy\u0259ti v\u0259 kredit z\u0259man\u0259t mexanizminin KOB-lar \u00fc\u00e7\u00fcn \u00f6n\u0259min\u0259 dair fikirl\u0259rini b\u00f6l\u00fc\u015f\u00fcb. Qeyd edilib ki, Az\u0259rbaycanda da sahibkarlar maliyy\u0259l\u0259\u015fm\u0259 m\u0259nb\u0259yi kimi daha \u00e7ox banklara \u00fcst\u00fcnl\u00fck verir. Banklar\u0131n kredit portfeli geni\u015f olsa da, kreditl\u0259\u015fm\u0259d\u0259 regionlar\u0131n pay\u0131 t\u0259xmin\u0259n 23%, Bak\u0131 \u00fczr\u0259 is\u0259 77%-dir. Agentliy\u0259 daxil olan m\u00fcraci\u0259tl\u0259rin v\u0259 apar\u0131lan sor\u011fular\u0131n t\u0259hlili, h\u0259m\u00e7inin beyn\u0259lxalq inki\u015faf t\u0259\u015fkilatlar\u0131n\u0131n hesabatlar\u0131na \u0259sas\u0259n KOB subyektl\u0259rinin maliyy\u0259 m\u0259nb\u0259l\u0259rin\u0259 \u00e7\u0131x\u0131\u015f\u0131 sah\u0259sind\u0259 \u00fczl\u0259\u015fdikl\u0259ri \u0259sas \u00e7\u0259tinlikl\u0259r y\u00fcks\u0259k faiz d\u0259r\u0259c\u0259si, s\u0259rt girov \u015f\u0259rtl\u0259ri, riskl\u0259rin b\u00f6l\u00fc\u015fd\u00fcrm\u0259 v\u0259 kreditl\u0259r\u0259 z\u0259man\u0259t mexanizml\u0259rinin \u0259lyet\u0259rli olmamas\u0131d\u0131r. Kredit z\u0259man\u0259t mexanizmi ki\u00e7ik v\u0259 orta sahibkarlar\u0131n maliyy\u0259 m\u0259hdudiyy\u0259tl\u0259rini a\u015fmas\u0131na imkan yarad\u0131r, biznes layih\u0259l\u0259rin maliyy\u0259l\u0259\u015fdirilm\u0259si \u00fc\u00e7\u00fcn sahibkarlar\u0131n uzun m\u00fcdd\u0259tli kreditl\u0259rl\u0259 t\u0259min edilm\u0259sini d\u0259st\u0259kl\u0259yir. H\u0259m\u00e7inin banklar\u0131n yeni v\u0259 daha geni\u015f m\u00fc\u015ft\u0259ri \u015f\u0259b\u0259k\u0259sin\u0259 \u00e7\u0131x\u0131\u015f\u0131n\u0131 asanla\u015fd\u0131r\u0131r, riskl\u0259rin minimalla\u015fd\u0131r\u0131lmas\u0131n\u0131 t\u0259min edir. \u00d6lk\u0259mizd\u0259 kredit z\u0259man\u0259t mexanizminin formala\u015fmas\u0131 t\u0259qdir\u0259layiqdir, lakin KOB sektoruna y\u00f6n\u0259lik t\u0259minat sisteminin daha da t\u0259kmill\u0259\u015fm\u0259sin\u0259 ehtiyac vard\u0131r.<\/p>\n\n\n\n

\u0130poteka v\u0259 Kredit Z\u0259man\u0259t Fondunun \u0130dar\u0259 Hey\u0259tinin s\u0259dri F\u0259xri Kaz\u0131mov<\/strong> Fondun f\u0259aliyy\u0259t istiqam\u0259tl\u0259ri, maliyy\u0259 g\u00f6st\u0259ricil\u0259ri, \u0259ld\u0259 olunan nailiyy\u0259tl\u0259r, h\u0259m\u00e7inin qeyri-neft sektorunda sahibkarl\u0131\u011fa d\u0259st\u0259k al\u0259ti olan kredit z\u0259man\u0259t mexanizminin yarad\u0131lmas\u0131n\u0131n m\u0259qs\u0259di bar\u0259d\u0259 \u0259trafl\u0131 m\u0259lumat verib. Vur\u011fulan\u0131b ki, yerli sahibkarlar\u0131n t\u0259l\u0259bl\u0259ri n\u0259z\u0259r\u0259 al\u0131nmaqla yarad\u0131lan bu mexanizm beyn\u0259lxalq t\u0259cr\u00fcb\u0259nin \u0259n u\u011furlu n\u00fcmun\u0259l\u0259ri \u00f6yr\u0259nilm\u0259kl\u0259 m\u00fcnt\u0259z\u0259m olaraq t\u0259kmill\u0259\u015fdirilir. Mexanizm \u00e7\u0259r\u00e7iv\u0259sind\u0259 \u015f\u0259ffafl\u0131\u011f\u0131 v\u0259 operativliyi t\u0259min etm\u0259k m\u0259qs\u0259dil\u0259 saibkarlardan m\u00fcraci\u0259tl\u0259rin q\u0259bulu \u201cElektron h\u00f6kum\u0259t\u201d portal\u0131nda yerl\u0259\u015f\u0259n \u201cElektron ipoteka v\u0259 kredit z\u0259man\u0259t\u201d sistemi vasit\u0259sil\u0259 h\u0259yata ke\u00e7irilir.<\/p>\n\n\n\n

Az\u0259rbaycan Respublikas\u0131 Sahibkarlar (\u0130\u015f\u0259g\u00f6t\u00fcr\u0259nl\u0259r) T\u0259\u015fkilatlar\u0131 Milli Konfederasiyas\u0131n\u0131n prezidenti M\u0259mm\u0259d Musayev<\/strong> qeyd edib ki, haz\u0131rda Az\u0259rbaycanda qeydiyyatdan ke\u00e7mi\u015f sahibkarlar\u0131n say\u0131 1,4 milyona yax\u0131nd\u0131r. Bu r\u0259q\u0259m \u00f6lk\u0259mizd\u0259 biznes qurmaq, \u00f6z\u0259l sektorda \u00e7al\u0131\u015fmaq ist\u0259y\u0259nl\u0259rin b\u00f6y\u00fck oldu\u011funun g\u00f6st\u0259ricisidir. Biznesin yarad\u0131lmas\u0131nda maliyy\u0259 \u0259l\u00e7atanl\u0131\u011f\u0131 m\u00fch\u00fcm amill\u0259rd\u0259ndir. Haz\u0131rda Az\u0259rbaycanda banklar\u0131n v\u0259 bank olmayan kredit t\u0259\u015fkilatlar\u0131n\u0131n kredit portfeli 20,3 mlrd. manat t\u0259\u015fkil edir ki, bu kreditl\u0259rin 80%-\u0259 yax\u0131n\u0131 Bak\u0131 v\u0259 Ab\u015feron-X\u0131z\u0131 iqtisadi rayonlar\u0131n\u0131n pay\u0131na d\u00fc\u015f\u00fcr. G\u00f6r\u00fcnd\u00fcy\u00fc kimi, bu g\u00f6st\u0259rici regionlarda sahibkarlar\u0131n maliyy\u0259y\u0259 \u00e7\u0131x\u0131\u015f imkanlar\u0131n\u0131n daha da yax\u015f\u0131la\u015fd\u0131r\u0131lmas\u0131na ehtiyac oldu\u011funu g\u00f6st\u0259rir. \u0130poteka v\u0259 Kredit Z\u0259man\u0259t Fondu t\u0259r\u0259find\u0259n kreditl\u0259r\u0259 veril\u0259n d\u00f6vl\u0259t z\u0259man\u0259ti mexanizml\u0259ri, faizl\u0259rin subsidiyala\u015fd\u0131r\u0131lmas\u0131 sahibkarlar\u0131n maliyy\u0259 \u0259l\u00e7atanl\u0131\u011f\u0131 \u00fc\u00e7\u00fcn \u0259n yax\u015f\u0131 al\u0259tl\u0259rd\u0259n biridir. Bu al\u0259tl\u0259r haqq\u0131nda sahibkarlar\u0131n m\u0259lumatl\u0131l\u0131\u011f\u0131n\u0131 art\u0131rmaq, h\u0259m\u00e7inin mexanizmin g\u0259l\u0259c\u0259kd\u0259 t\u0259kmill\u0259\u015fdirilm\u0259sin\u0259 ehtiyac vard\u0131r.<\/p>\n\n\n

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

Sonra \u0130poteka v\u0259 Kredit Z\u0259man\u0259t Fondu t\u0259r\u0259find\u0259n kreditl\u0259r\u0259 z\u0259man\u0259t mexanizmi bar\u0259d\u0259 t\u0259qdimat ke\u00e7irilib. T\u0259dbir \u00e7\u0259r\u00e7iv\u0259sind\u0259 kredit z\u0259man\u0259t mexanizminin biznesin inki\u015faf\u0131nda roluna, mexanizmin t\u0259kmill\u0259\u015fdirilm\u0259sin\u0259 dair fikir m\u00fcbadil\u0259si apar\u0131l\u0131b, sahibkarlar\u0131n suallar\u0131 cavabland\u0131r\u0131l\u0131b.<\/p>\n","protected":false},"excerpt":{"rendered":"

Kredit z\u0259man\u0259t mexanizminin biznesin inki\u015faf\u0131nda roluna dair ictimai m\u00fczakir\u0259 t\u0259\u015fkil olunub Ki\u00e7ik v\u0259 Orta Biznesin \u0130nki\u015faf\u0131 Agentliyi (KOB\u0130A) yan\u0131nda \u0130ctimai \u015euran\u0131n t\u0259\u015fkilat\u00e7\u0131l\u0131\u011f\u0131, \u0130poteka v\u0259 Kredit Z\u0259man\u0259t Fondu v\u0259 Az\u0259rbaycan Sahibkarlar (\u0130\u015f\u0259g\u00f6t\u00fcr\u0259nl\u0259r) T\u0259\u015fkilatlar\u0131 Milli Konfederasiyas\u0131n\u0131n d\u0259st\u0259yi…<\/p>\n","protected":false},"author":2,"featured_media":8669,"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\/8667"}],"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=8667"}],"version-history":[{"count":2,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/8667\/revisions"}],"predecessor-version":[{"id":8672,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/8667\/revisions\/8672"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/media\/8669"}],"wp:attachment":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=8667"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=8667"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=8667"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}