Kreditə girov tələbatı inkişafı ləngidir

Söhbət kiçik və orta biznesdən gedir

Azərbaycanda hələlik qüvvədə olan qanunvericilik kreditlərin sığortalanması ilə bağlı hüquqi mexanizmlər müəyyən etmir. Doğrudur, dövlət vəsaiti hesabına formalaşdırılan Sahibkarlığa Kömək Milli Fondi kiçik və orta sahibkarlığın güzəştli kreditləşməsi üçün imkanlar yaradıb və fəaliyyətə başladığı 10 ildən artıq dövr ərzində Fond vasitəsilə verilən kreditlərin həcmi 1 milyard manatı ötüb. Lakin istənilən halda həmin kreditlər güzəştli olsa da, kommersiya kreditləri ilə müqayisədə daha aşağı faizlə təqdim edilsə də, sığorta mexanizmi olmadığından, bu vəsaitləri girovsuz əldə etmək mümkünsüzdü. Nəticədə Azərbaycanda kiçik və orta sahibkarların bank kreditlərinə asan çıxış üçün zəruri olan mühit təmin olunmamış qalır.

İqtisadi Təşəbbüslərə Yardım İctimai BirliyiABŞ Beynəlxalq İnkişaf Agentliyinin (USAİD) maliyyə dəstəyi ilə həyata keçirdiyi «Azərbaycanda kiçik sahibkarlığın inkişafına dəstək» layihəsi çərçivəsindəapardığı tədqiqatda müəyyənləşdirib ki, ölkədə biznes krediti üçün mütləq girov tələb olunur.

Təminat bu biznesin risklərini azaldır

Barəsində yuxarıda danışdığımız tədqiqatda vurğulanır ki, kreditlərə təminat sisteminəticəsində kiçik və orta sahibkarlaröz maliyyə risklərini təhlükəsiz etməklə yanaşı, borcların idarə edilməsi, risklərin qiymətləndirilməsi və idarə olunması, bazar perspektivlərinin dəqiq müəyyən edilməsi sahəsində bilik və bacarıqlar qazanırlar, daimi məsləhət xidmətilə əhatə olunurlar.
Tədqiqat müəllifləri dünya təcrübəsindən misal gətirib vurğulayırlar ki, məsələn, ABŞ-da Kiçik Biznes Administrasiyası (US Small Business Administration) kommersiya bankları tərəfindən verilən kreditlər üçün zəmanətlər təqdim edir: “Bu ölkədə kiçik sahibkarlıq subyektlərinin banklara kredit borcları yarım trilyon dolları ötür. Administrasiyanın bu kredtilər üzrə verdiyi zəmanət Fondunun məbləği isə 60 milyard dollardan çox, yəni verilən kreditlərin 12 faizinə qədər olub. İnkişaf etmiş ölkələrdə kiçik müəssisələrin 50 faizə qədəri maksimum 5 ilədək fəaliyyət göstərir. Bu səbəbdən hökumət hesab edir ki, bankların risklərdən çəkinərək bu subyektlərə kredit xətti açması məhz zəmanətlər sayəsində mümkün ola bilər. Ekspertlər hesab edir ki, təminatlı kredit mexanizmləri müflisləşməni 7 faizədək azalda bilir. Kreditlər üçün zəmanət mexanizmləri kiçik və orta sahibkarların kredit ödəmə qabiliyyətini itirdiyi şəraitdə onların borclarının qapadılmasını nəzərdə tutur. Avropa ölkələrində və Kanadada kiçik cə orta sahibkarların təxminən 10 faizi kredit təminatı fondlarının xidmətindən yararlanırlar”.

Türkiyədə kiçik və orta biznes son 30 ildə inkişaf edib

Tədqiqat uzaq Amerikadan nümunələr gətirdiyi kimi, qonşu Türkiyənin təcrübəsini də gözdən keçirib, müəlliflər bildirirlər ki, müəssisə sayının 99 faizinin, məşğulluğun isə 78 faizi kiçik və orta sahibkarlığın payına düşən qardaş ölkə bu biznesə müdafiə dəstəyinə 90-lardan sonra başlayıb: “80-ci illərin sonlarınadək Türkiyə kiçik və orta biznesin maliyyəyə çıxış imkanı az olub. Türkiyədə artıq 1994-cü ildən Kredit Zəmanət Fondu (KGF) fəaliyyət göstərir. Fond bank kreditlərində kredit riskinin bir qisimini öz üzərinə götürməklə kiçik və orta biznesin banklar qarşısında etimadını yüksəldir. KGF kiçik-orta sahibkarlıq kreditlərinə girov dəstəyilə yanaşı, xəzinə əsaslı girovların da istifadəsində vasitəçilik edir və son illər çox sürətlə böyüyür. KGF-nin zəmanət verdiyi kiçik və orta sahibkarlıq kreditlərinin minimum həcmi 1milyon, maksimum həcmi 5 milyon TL-dir. Fond tərəfindən kredit məbləğinin 75-85-nədək zəmanət təqdim olunur”.

İqtisadçılar vurğulayırlar ki, ölkədə kiçik və orta biznesi dəstəkləmək üçün sözdən işə keçmək üçün real işləyən mexanizmləri işə salmaq lazımdır, nəinki, iri biznesə dəstək verməklə, girovlu kredit siyasəti yürütməklə…

S.Mehdiyeva

Bastainfo.com

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