{"id":6057,"date":"2026-06-09T02:33:22","date_gmt":"2026-06-08T22:33:22","guid":{"rendered":"https:\/\/idealxeber.az\/?p=6057"},"modified":"2026-06-09T02:33:22","modified_gmt":"2026-06-08T22:33:22","slug":"az%c9%99rbaycanda-kredit-kartlarina-maraq-azalir-ekspert-s%c9%99b%c9%99bl%c9%99ri-aciqladi","status":"publish","type":"post","link":"https:\/\/idealxeber.az\/?p=6057","title":{"rendered":"Az\u0259rbaycanda kredit kartlar\u0131na maraq azal\u0131r &#8211; Ekspert s\u0259b\u0259bl\u0259ri\u00a0a\u00e7\u0131qlad\u0131"},"content":{"rendered":"<h1 class=\"full-post-title\"><\/h1>\n<div class=\"full-post-b\">\n<div class=\"full-post-desc\"><\/div>\n<div class=\"full-post-article\">\n<p><strong>&#8220;Son ill\u0259r Az\u0259rbaycanda na\u011fds\u0131z \u00f6d\u0259ni\u015fl\u0259rin h\u0259cmi artsa da, kredit kartlar\u0131 bazar\u0131nda \u0259ks tendensiya m\u00fc\u015fahid\u0259 olunur. Na\u011fds\u0131z \u00f6d\u0259ni\u015f kredit kartlar\u0131 dem\u0259k deyil, na\u011fds\u0131z \u00f6d\u0259ni\u015f \u0259sas\u0259n elektron portallar vasit\u0259sil\u0259 \u00f6d\u0259ni\u015f, el\u0259c\u0259 d\u0259 marketl\u0259rd\u0259 v\u0259 al\u0131\u015f-veri\u015f m\u0259rk\u0259zl\u0259rind\u0259 v\u0259t\u0259nda\u015flar\u0131n na\u011fds\u0131z \u00f6d\u0259ni\u015f\u0259 \u00fcst\u00fcnl\u00fck verm\u0259si daxildir. Bu is\u0259 \u00f6lk\u0259d\u0259 na\u011fds\u0131z \u00f6d\u0259ni\u015fl\u0259rin getdikc\u0259 daha \u00e7ox populyarla\u015fd\u0131\u011f\u0131n\u0131 g\u00f6st\u0259rir. Haz\u0131rda na\u011fd \u00f6d\u0259ni\u015fl\u0259r ikinci planda qal\u0131r&#8221;.<\/strong><\/p>\n<p>Bu s\u00f6zl\u0259ri Az\u0259rbaycan Qiym\u0259tl\u0259ndiricil\u0259r C\u0259miyy\u0259tinin s\u0259dri<strong> V\u00fcqar Oruc <\/strong>a\u00e7\u0131qlamas\u0131nda deyib.<\/p>\n<p>Onun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259,\u00a0q\u0131sa bir m\u00fcdd\u0259t \u0259rzind\u0259 na\u011fds\u0131z \u00f6d\u0259ni\u015fl\u0259rin t\u0259\u015fviqi M\u0259rk\u0259zi Bank t\u0259r\u0259find\u0259n, maliyy\u0259-kredit siyas\u0259timiz t\u0259r\u0259find\u0259n \u00f6z effektini verib:<\/p>\n<p>&#8220;Na\u011fds\u0131z \u00f6d\u0259ni\u015fl\u0259rin artmas\u0131, qeyd etdiyim kimi, kredit kartlar\u0131n\u0131n artmas\u0131 hesab\u0131na ba\u015f vermir. Hal-haz\u0131rda daha \u00e7ox debet kartlar\u0131na \u00fcst\u00fcnl\u00fck verirl\u0259r. Bu, \u0259m\u0259khaqq\u0131 kartlar\u0131d\u0131r, depozit kartlar\u0131d\u0131r v\u0259 s.<\/p>\n<p>V\u0259 \u00f6d\u0259ni\u015fl\u0259rd\u0259 kredit kartlar\u0131ndan istifad\u0259 etm\u0259kd\u0259n v\u0259t\u0259nda\u015flar bir formada \u00e7\u0259kinirl\u0259r. N\u0259y\u0259 g\u00f6r\u0259 \u00e7\u0259kinirl\u0259r? \u00c7\u00fcnki kredit kartlar\u0131 \u00e7ox ciddi x\u0259rcl\u0259rl\u0259 m\u00fc\u015fayi\u0259t olunur. Sonradan h\u0259min kredit kartlar\u0131nda edilmi\u015f x\u0259rcl\u0259rin yerini, bel\u0259 dey\u0259k, kompensasiya etm\u0259k, \u00f6d\u0259m\u0259k insanlar\u0131 \u0259lav\u0259 maliyy\u0259 x\u0259rcl\u0259rin\u0259, \u00e7\u0259tinlikl\u0259rin\u0259 d\u00fc\u00e7ar edir. Bu bax\u0131mdan v\u0259t\u0259nda\u015flar \u00f6zl\u0259ri ilk n\u00f6vb\u0259d\u0259 kredit kartlar\u0131na ehtiyatl\u0131 yana\u015fma\u011fa ba\u015flay\u0131blar.<\/p>\n<p>\u00d6lk\u0259d\u0259 2026 v\u0259 2027-ci ill\u0259rd\u0259 x\u0259rcl\u0259rin optimalla\u015fd\u0131r\u0131lmas\u0131 il\u0259 ba\u011fl\u0131 t\u0259l\u0259bl\u0259rd\u0259n ir\u0259li g\u0259l\u0259n bir m\u0259s\u0259l\u0259dir. Ail\u0259 b\u00fcdc\u0259l\u0259rind\u0259 d\u0259 x\u0259rcl\u0259r optimalla\u015fd\u0131r\u0131l\u0131r v\u0259 q\u0259na\u0259t mexanizmi t\u0259tbiq olunur. Kredit kartlar\u0131 is\u0259 bu q\u0259na\u0259t mexanizminin pozulmas\u0131d\u0131r. Y\u0259ni kredit kartlar\u0131 insanlar\u0131 daha \u00e7ox x\u0259rcl\u0259m\u0259y\u0259 s\u00f6vq ed\u0259n bir vasit\u0259dir v\u0259 eyni zamanda kredit kartlar\u0131 iqtisadi aktivliyin n\u00fcmun\u0259sidir.<\/p>\n<p>Y\u0259ni hans\u0131 \u00f6lk\u0259l\u0259rd\u0259 iqtisadi aktivlik g\u00fccl\u00fcd\u00fcrs\u0259, daimi \u0259m\u0259khaqlar\u0131 v\u0259 g\u0259lirl\u0259r stabil \u015f\u0259kild\u0259 m\u00f6vcuddursa, h\u0259min \u00f6lk\u0259nin v\u0259t\u0259nda\u015flar\u0131 daha \u00e7ox kredit\u0259, kredit kartlar\u0131na \u00fcst\u00fcnl\u00fck verirl\u0259r&#8221;.<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/ssl.olke.az\/file\/articles\/2026\/06\/08\/1780919761_vuqar.jpg\" alt=\"571239\" \/><\/p>\n<p><strong>&#8220;\u0130kinci amil banklar\u0131n \u00f6z y\u00fcr\u00fctd\u00fcy\u00fc s\u0259rt siyas\u0259tdir. \u018fvv\u0259ll\u0259r kredit kartlar\u0131 daha yum\u015faq \u015f\u0259rtl\u0259rl\u0259 verilirdi, daha b\u00f6y\u00fck m\u0259bl\u0259\u011fl\u0259rd\u0259 verilirdi. \u0130ndi is\u0259 bunun \u00fc\u00e7\u00fcn m\u00fcvafiq s\u0259rtl\u0259\u015fdirm\u0259 t\u0259dbirl\u0259ri g\u00f6r\u00fcl\u00fcb ki, v\u0259t\u0259nda\u015flar \u00e7ox borclanmas\u0131n, istehlak borclar\u0131n\u0131n \u00fcmumi \u00e7\u0259kisi artmas\u0131n.<\/strong><\/p>\n<p>Bu da pul-kredit siyas\u0259ti bax\u0131m\u0131ndan olduqca, bel\u0259 dey\u0259k, hal-haz\u0131rda \u00f6z b\u0259hr\u0259sini verir v\u0259 h\u0259m inflyasiyan\u0131n qar\u015f\u0131s\u0131n\u0131 almaq bax\u0131m\u0131ndan, h\u0259m d\u0259 eyni zamanda \u0259lav\u0259 borc k\u00fctl\u0259sinin yaranmamas\u0131 bax\u0131m\u0131ndan \u00f6z b\u0259hr\u0259sini ver\u0259n add\u0131mlard\u0131r.<\/p>\n<p>H\u0259r bir d\u00f6vr \u00fc\u00e7\u00fcn, bir m\u00fc\u015ft\u0259ri v\u0259 yaxud v\u0259t\u0259nda\u015f f\u0259rq etm\u0259z, davran\u0131\u015f qaydalar\u0131 var. Bu davran\u0131\u015f qaydalar\u0131n\u0131n bir m\u00fcdd\u0259t \u0259vv\u0259lki formas\u0131 daha \u00e7ox kredit g\u00f6t\u00fcrm\u0259k, daha \u00e7ox x\u0259rcl\u0259m\u0259k idis\u0259, indi ehtiyatl\u0131 davran\u0131\u015f \u00fcst\u00fcnl\u00fck k\u0259sb edir v\u0259 bu ehtiyatl\u0131 davran\u0131\u015f da kredit kartlar\u0131na daha az m\u00fcraci\u0259tl\u0259 s\u0259ciyy\u0259l\u0259nir.<\/p>\n<p><strong>D\u00fc\u015f\u00fcn\u00fcr\u0259m ki, kredit kartlar\u0131n\u0131n azalmas\u0131, say\u0131n\u0131n azalmas\u0131 \u0259slind\u0259 na\u011fds\u0131z iqtisadiyyat\u0131n z\u0259ifl\u0259m\u0259si v\u0259 s\u0131radan \u00e7\u0131xmas\u0131 deyil. \u018fksin\u0259, hal-haz\u0131rda, yuxar\u0131da qeyd etdiyim kimi, iqtisadi m\u00fcnasib\u0259tl\u0259r, pul-kredit m\u00fcnasib\u0259tl\u0259ri daha sa\u011flam istiqam\u0259td\u0259 t\u0259zah\u00fcr edir. Banklar \u00f6z riskl\u0259rini qoruyur, v\u0259t\u0259nda\u015flar \u00f6z ail\u0259 b\u00fcdc\u0259sini planlay\u0131r v\u0259 buna g\u00f6r\u0259 add\u0131mlar at\u0131rlar.<\/strong><\/p>\n<p>Hesab edir\u0259m ki, indiki d\u00f6vr \u00fc\u00e7\u00fcn, h\u0259m qlobal inflyasiyan\u0131n oldu\u011fu bir zamanda, h\u0259m iqtisadi \u00e7\u0259tinlikl\u0259r fonunda, h\u0259m d\u0259 m\u00f6vcud iqtisadi durum bax\u0131m\u0131ndan bel\u0259 bir v\u0259ziyy\u0259t dikt\u0259 edir ki, h\u0259m banklar \u00f6z pul-kredit siyas\u0259tl\u0259rini v\u0259 kredit kartlar\u0131 siyas\u0259tini s\u0259rtl\u0259\u015fdirsinl\u0259r, h\u0259m d\u0259 v\u0259t\u0259nda\u015flar bu istiqam\u0259td\u0259 daha ehtiyatl\u0131 davrans\u0131nlar.<\/p>\n<p>Amma iqtisadi aktivlik artd\u0131\u011f\u0131 zaman yenid\u0259n kredit kartlar\u0131n\u0131n say\u0131n\u0131n artaca\u011f\u0131n\u0131 proqnozla\u015fd\u0131rmaq olar. H\u0259r \u015fey \u00f6lk\u0259 iqtisadiyyat\u0131n\u0131n aktiv f\u0259aliyy\u0259t\u0259 ke\u00e7m\u0259si il\u0259 ba\u011fl\u0131d\u0131r. Bunun \u00fc\u00e7\u00fcn d\u0259 investisiyalar\u0131n c\u0259lbi, i\u015f yerl\u0259rinin yarad\u0131lmas\u0131, daha \u00e7ox istehsal\u0131n h\u0259yata ke\u00e7irilm\u0259si, idxaldan \u00e7ox ixracata dayanan iqtisadiyyat\u0131n qurulmas\u0131 ba\u015f ver\u0259rs\u0259, o zaman h\u0259m \u0259m\u0259khaqq\u0131 sistemind\u0259, h\u0259m d\u0259 g\u0259lirl\u0259r sistemind\u0259 b\u00f6y\u00fck d\u0259yi\u015fiklikl\u0259r ba\u015f ver\u0259r v\u0259 bu da kredit kartlar\u0131na m\u00fcraci\u0259tl\u0259rin say\u0131n\u0131 art\u0131ra bil\u0259r&#8221;, &#8211; dey\u0259 V.Oruc a\u00e7\u0131qlamas\u0131nda qeyd edib.<\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>&#8220;Son ill\u0259r Az\u0259rbaycanda na\u011fds\u0131z \u00f6d\u0259ni\u015fl\u0259rin h\u0259cmi artsa da, kredit kartlar\u0131 bazar\u0131nda \u0259ks tendensiya m\u00fc\u015fahid\u0259 olunur. Na\u011fds\u0131z \u00f6d\u0259ni\u015f kredit kartlar\u0131 dem\u0259k deyil, na\u011fds\u0131z \u00f6d\u0259ni\u015f \u0259sas\u0259n elektron portallar vasit\u0259sil\u0259 \u00f6d\u0259ni\u015f, el\u0259c\u0259 d\u0259 marketl\u0259rd\u0259 v\u0259 al\u0131\u015f-veri\u015f m\u0259rk\u0259zl\u0259rind\u0259 v\u0259t\u0259nda\u015flar\u0131n na\u011fds\u0131z \u00f6d\u0259ni\u015f\u0259 \u00fcst\u00fcnl\u00fck verm\u0259si daxildir. Bu is\u0259 \u00f6lk\u0259d\u0259 na\u011fds\u0131z \u00f6d\u0259ni\u015fl\u0259rin getdikc\u0259 daha \u00e7ox populyarla\u015fd\u0131\u011f\u0131n\u0131 g\u00f6st\u0259rir. Haz\u0131rda na\u011fd \u00f6d\u0259ni\u015fl\u0259r ikinci planda [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":6060,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[],"class_list":["post-6057","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-olk"],"_links":{"self":[{"href":"https:\/\/idealxeber.az\/index.php?rest_route=\/wp\/v2\/posts\/6057","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/idealxeber.az\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/idealxeber.az\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/idealxeber.az\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/idealxeber.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=6057"}],"version-history":[{"count":0,"href":"https:\/\/idealxeber.az\/index.php?rest_route=\/wp\/v2\/posts\/6057\/revisions"}],"wp:attachment":[{"href":"https:\/\/idealxeber.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=6057"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/idealxeber.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=6057"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/idealxeber.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=6057"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}