{"id":2385,"date":"2020-05-02T14:00:39","date_gmt":"2020-05-02T10:00:39","guid":{"rendered":"https:\/\/ictimai.az\/?p=2385"},"modified":"2020-05-02T18:00:45","modified_gmt":"2020-05-02T14:00:45","slug":"merkezi-bank-kreditlerle-bagli-qaydalari-tesdiqledi","status":"publish","type":"post","link":"https:\/\/ictimai.az\/?p=2385","title":{"rendered":"M\u0259rk\u0259zi Bank kreditl\u0259rl\u0259 ba\u011fl\u0131 qaydalar\u0131 t\u0259sdiql\u0259di\u00a0"},"content":{"rendered":"<p><strong>M\u0259rk\u0259zi Bank\u0131n \u0130dar\u0259 Hey\u0259ti \u201cKoronavirus (COVID-19) pandemiyas\u0131 il\u0259 \u0259laq\u0259dar kredit t\u0259\u015fkilatlar\u0131n\u0131n m\u00fcv\u0259qq\u0259ti t\u0259nziml\u0259m\u0259 Qaydas\u0131\u201dn\u0131 t\u0259sdiql\u0259yib.<\/strong><\/p>\n<p><strong>\u0130ctimai.az<\/strong>\u00a0APA-ya istinad\u0259n x\u0259b\u0259r verir ki, Qayda may\u0131n 1-d\u0259n q\u00fcvv\u0259y\u0259 minib.<\/p>\n<p>Bu Qayda Az\u0259rbaycan Respublikas\u0131nda f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n banklar v\u0259 xarici banklar\u0131n yerli filiallar\u0131nda kreditl\u0259rin t\u0259snifl\u0259\u015fdirilm\u0259si v\u0259 risk qruplar\u0131, kapital\u0131n adekvatl\u0131q \u0259msal\u0131 v\u0259 onun hesablanmas\u0131 qaydas\u0131n\u0131 m\u00fc\u0259yy\u0259n edir. Qayda koronavirus (COV\u0130D-19) pandemiyas\u0131ndan z\u0259r\u0259r \u00e7\u0259kmi\u015f v\u0259 ya z\u0259r\u0259r \u00e7\u0259km\u0259si ehtimal olunan v\u0259 Az\u0259rbaycan Respublikas\u0131 Prezidentinin 2020-ci il 19 mart tarixli 1950 n\u00f6mr\u0259li S\u0259r\u0259ncam\u0131nda g\u00f6st\u0259ril\u0259n meyarlar \u00fczr\u0259 m\u00fc\u0259yy\u0259n edilmi\u015f iqtisadi f\u0259aliyy\u0259t sah\u0259l\u0259rind\u0259 f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n h\u00fcquqi \u015f\u0259xsl\u0259r\u0259 v\u0259 h\u00fcquqi \u015f\u0259xs yaratmadan sahibkarl\u0131q f\u0259aliyy\u0259tini h\u0259yata ke\u00e7ir\u0259n fiziki \u015f\u0259xsl\u0259r\u0259, sahibkarl\u0131q f\u0259aliyy\u0259ti il\u0259 m\u0259\u015f\u011ful olmayan fiziki \u015f\u0259xsl\u0259r\u0259 d\u00f6vl\u0259t t\u0259r\u0259find\u0259n yarad\u0131lm\u0131\u015f qurumlar\u0131n v\u0259saitl\u0259ri hesab\u0131na verilmi\u015f ipoteka kreditl\u0259rin\u0259 \u015famil edilir. D\u00f6vl\u0259t t\u0259r\u0259find\u0259n yarad\u0131lm\u0131\u015f qurumlar\u0131n v\u0259saiti hesab\u0131na verilmi\u015f g\u00fcz\u0259\u015ftli kreditl\u0259r\u0259 yaln\u0131z 1 mart 2020-ci il tarixin\u0259 q\u0259na\u0259tb\u0259x\u015f t\u0259snifat kateqoriyas\u0131nda olanlar \u015famil edilir.<\/p>\n<p>Qaydada \u0259ksini tapan kreditl\u0259rin t\u0259snifl\u0259\u015fdirilm\u0259si t\u0259l\u0259bl\u0259ri bank olmayan kredit t\u0259\u015fkilatlar\u0131na da \u015famil edilir.<\/p>\n<p>Nazirl\u0259r Kabinetinin 2020-ci il 4 aprel tarixli 135s n\u00f6mr\u0259li S\u0259r\u0259ncam\u0131 il\u0259 t\u0259sdiq edilmi\u015f T\u0259dbirl\u0259r Plan\u0131n\u0131n I hiss\u0259sinin A b\u0259ndinin 8-ci t\u0259dbirin\u0259 m\u00fcvafiq olaraq kredit faizl\u0259ri subsidiyala\u015fd\u0131r\u0131lan h\u00fcquqi \u015f\u0259xsl\u0259r\u0259 v\u0259 h\u00fcquqi \u015f\u0259xs yaratmadan sahibkarl\u0131q f\u0259aliyy\u0259tini h\u0259yata ke\u00e7ir\u0259n fiziki \u015f\u0259xsl\u0259r\u0259 verilmi\u015f kreditl\u0259rin t\u0259snifat kateqoriyas\u0131 borcalan\u0131n maliyy\u0259 v\u0259ziyy\u0259tind\u0259n as\u0131l\u0131 olmayaraq subsidiyan\u0131n \u00f6d\u0259nildiyi tarixd\u0259n 30 sentyabr 2020-ci il tarixin\u0259d\u0259k pisl\u0259\u015fdirilmir. 1 mart 2020-ci il tarixin\u0259 q\u0259na\u0259tb\u0259x\u015f t\u0259snifat kateqoriyas\u0131nda olan v\u0259 Nazirl\u0259r Kabinetinin 2020-ci il 4 aprel tarixli 135s n\u00f6mr\u0259li S\u0259r\u0259ncam\u0131 il\u0259 t\u0259sdiq edilmi\u015f T\u0259dbirl\u0259r Plan\u0131n\u0131n I hiss\u0259sinin A b\u0259ndinin 8-ci t\u0259dbirin\u0259 m\u00fcvafiq olaraq kredit faizl\u0259ri subsidiyala\u015fd\u0131r\u0131lan h\u00fcquqi \u015f\u0259xsl\u0259r\u0259 v\u0259 h\u00fcquqi \u015f\u0259xs yaratmadan sahibkarl\u0131q f\u0259aliyy\u0259tini h\u0259yata ke\u00e7ir\u0259n fiziki \u015f\u0259xsl\u0259r\u0259 verilmi\u015f kreditl\u0259r restrukturizasiya olunduqda onun restrukturizasiyaya q\u0259d\u0259rki t\u0259snifat kateqoriyas\u0131 30 sentyabr 2020-ci il tarixin\u0259d\u0259k pisl\u0259\u015fdirilmir. 1 mart 2020-ci il tarixin\u0259 q\u0259na\u0259tb\u0259x\u015f t\u0259snifat kateqoriyas\u0131nda olan v\u0259 d\u00f6vl\u0259t t\u0259r\u0259find\u0259n yarad\u0131lm\u0131\u015f qurumlar\u0131n v\u0259saitl\u0259ri hesab\u0131na veril\u0259n g\u00fcz\u0259\u015ftli kreditl\u0259r 30 sentyabr 2020-ci tarixin\u0259d\u0259k restrukturizasiya olunduqda kreditin restrukturizasiyaya q\u0259d\u0259rki t\u0259snifat kateqoriyas\u0131 pisl\u0259\u015fdirilmir.<\/p>\n<p>Tibbi l\u0259vazimat v\u0259 avadanl\u0131qlar\u0131n istehsal\u00e7\u0131lar\u0131na veril\u0259n v\u0259 t\u0259yinat\u0131 \u00fczr\u0259 istifad\u0259 olunmas\u0131 s\u0259n\u0259dl\u0259rl\u0259 t\u0259sdiq edilmi\u015f milli valyutada biznes kreditl\u0259ri 20 faizli (0.2 \u0259msall\u0131) risk qrupuna aid edilir. \u201cBank kapital\u0131n\u0131n v\u0259 onun adekvatl\u0131\u011f\u0131n\u0131n hesablanmas\u0131 Qaydalar\u0131\u201dn\u0131n 9.3.8.2-ci, 9.3.8.3-c\u00fc, 9.3.9.1-ci, 9.3.9.2-ci, 9.3.10.1-ci yar\u0131mb\u0259ndl\u0259ri v\u0259 9.4-c\u00fc b\u0259ndi istehlak kreditl\u0259ri \u00fczr\u0259 risk qruplar\u0131na 01 yanvar 2021-ci il tarixin\u0259d\u0259k \u015famil edilmir.<\/p>\n<p>Sistem \u0259h\u0259miyy\u0259tli banklar \u00fczr\u0259 m\u0259cmu kapital\u0131n adekvatl\u0131q \u0259msal\u0131 1 yanvar 2021-ci il tarixin\u0259d\u0259k 11 faizd\u0259n az ola bilm\u0259z.\u00a0 Sistem \u0259h\u0259miyy\u0259tli banklar istisna olmaqla, dig\u0259r banklar \u00fczr\u0259 m\u0259cmu kapital\u0131n adekvatl\u0131q \u0259msal\u0131 1 yanvar 2021-ci il tarixin\u0259d\u0259k 9 faizd\u0259n az ola bilm\u0259z. 1 yanvar 2021-ci il tarixin\u0259d\u0259k kontr-tsiklik kapital buferi 0 faiz m\u00fc\u0259yy\u0259n edilir. I d\u0259r\u0259c\u0259li kapital\u0131n v\u0259 m\u0259cmu kapital\u0131n adekvatl\u0131q \u0259msallar\u0131n\u0131n hesablanmas\u0131 zaman\u0131 bazar v\u0259 \u0259m\u0259liyyat riskl\u0259ri bu Qayda q\u00fcvv\u0259y\u0259 mindiyi g\u00fcnd\u0259n 01 yanvar 2021-ci il tarixin\u0259d\u0259k n\u0259z\u0259r\u0259 al\u0131nm\u0131r.<\/p>\n<p>Banklar\u0131n kapital m\u00f6vqeyinin v\u0259 maliyy\u0259 dayan\u0131ql\u0131\u011f\u0131n\u0131n qorunmas\u0131 m\u0259qs\u0259dil\u0259 \u00f6t\u0259n ill\u0259rin n\u0259tic\u0259si \u00fczr\u0259 dividend \u00f6d\u0259ni\u015fl\u0259ri 30 sentyabr 2020-ci il tarixin\u0259d\u0259k t\u0259xir\u0259 sal\u0131nmal\u0131d\u0131r, 2020-ci il \u00fczr\u0259 is\u0259 aral\u0131q dividend \u00f6d\u0259ni\u015fl\u0259ri h\u0259yata ke\u00e7irilm\u0259m\u0259lidir. Bu Qayda 1 yanvar 2021-ci il tarixin\u0259d\u0259k q\u00fcvv\u0259d\u0259dir.<\/p>\n<p>Bu Qaydan\u0131n t\u0259l\u0259bl\u0259ri \u0259sas\u0131nda g\u00fcz\u0259\u015ft t\u0259tbiq edilmi\u015f borcalanlara dair m\u0259lumatlar M\u0259rk\u0259zi Bank\u0131n m\u00fc\u0259yy\u0259n etdiyi formada prudensial hesabatlarla birlikd\u0259 M\u0259rk\u0259zi Banka t\u0259qdim edilir. Bu Qaydan\u0131n q\u00fcvv\u0259d\u0259 oldu\u011fu m\u00fcdd\u0259td\u0259 \u201cAktivl\u0259rin t\u0259snifl\u0259\u015fdirilm\u0259si v\u0259 m\u00fcmk\u00fcn z\u0259r\u0259rl\u0259rin \u00f6d\u0259nilm\u0259si \u00fc\u00e7\u00fcn x\u00fcsusi ehtiyatlar\u0131n yarad\u0131lmas\u0131 Qaydalar\u0131\u201d, \u201cBank kapital\u0131n\u0131n v\u0259 onun adekvatl\u0131\u011f\u0131n\u0131n hesablanmas\u0131 Qaydalar\u0131\u201d v\u0259 M\u0259rk\u0259zi Bank\u0131n dig\u0259r normativ xarakterli aktlar\u0131 bu Qaydaya zidd olmayan hiss\u0259d\u0259 t\u0259tbiq edilir.<\/p>\n<p><strong>\u0130ctimai.az\u00a0<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>M\u0259rk\u0259zi Bank\u0131n \u0130dar\u0259 Hey\u0259ti \u201cKoronavirus (COVID-19) pandemiyas\u0131 il\u0259 \u0259laq\u0259dar kredit t\u0259\u015fkilatlar\u0131n\u0131n m\u00fcv\u0259qq\u0259ti t\u0259nziml\u0259m\u0259 Qaydas\u0131\u201dn\u0131 t\u0259sdiql\u0259yib. \u0130ctimai.az\u00a0APA-ya istinad\u0259n x\u0259b\u0259r verir ki, Qayda may\u0131n 1-d\u0259n q\u00fcvv\u0259y\u0259 minib. Bu Qayda Az\u0259rbaycan Respublikas\u0131nda f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n banklar v\u0259 xarici banklar\u0131n yerli filiallar\u0131nda kreditl\u0259rin t\u0259snifl\u0259\u015fdirilm\u0259si v\u0259 risk qruplar\u0131, kapital\u0131n adekvatl\u0131q \u0259msal\u0131 v\u0259 onun hesablanmas\u0131 qaydas\u0131n\u0131 m\u00fc\u0259yy\u0259n edir. Qayda koronavirus (COV\u0130D-19) pandemiyas\u0131ndan [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":2386,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[19],"tags":[],"class_list":["post-2385","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>M\u0259rk\u0259zi Bank kreditl\u0259rl\u0259 ba\u011fl\u0131 qaydalar\u0131 t\u0259sdiql\u0259di\u00a0 - \u0130CT\u0130MA\u0130.AZ<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ictimai.az\/?p=2385\" \/>\n<meta property=\"og:locale\" content=\"az_AZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"M\u0259rk\u0259zi Bank kreditl\u0259rl\u0259 ba\u011fl\u0131 qaydalar\u0131 t\u0259sdiql\u0259di\u00a0 - \u0130CT\u0130MA\u0130.AZ\" \/>\n<meta property=\"og:description\" content=\"M\u0259rk\u0259zi Bank\u0131n \u0130dar\u0259 Hey\u0259ti \u201cKoronavirus (COVID-19) pandemiyas\u0131 il\u0259 \u0259laq\u0259dar kredit t\u0259\u015fkilatlar\u0131n\u0131n m\u00fcv\u0259qq\u0259ti t\u0259nziml\u0259m\u0259 Qaydas\u0131\u201dn\u0131 t\u0259sdiql\u0259yib. \u0130ctimai.az\u00a0APA-ya istinad\u0259n x\u0259b\u0259r verir ki, Qayda may\u0131n 1-d\u0259n q\u00fcvv\u0259y\u0259 minib. Bu Qayda Az\u0259rbaycan Respublikas\u0131nda f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n banklar v\u0259 xarici banklar\u0131n yerli filiallar\u0131nda kreditl\u0259rin t\u0259snifl\u0259\u015fdirilm\u0259si v\u0259 risk qruplar\u0131, kapital\u0131n adekvatl\u0131q \u0259msal\u0131 v\u0259 onun hesablanmas\u0131 qaydas\u0131n\u0131 m\u00fc\u0259yy\u0259n edir. 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