Az\u0259rbaycan Respublikas\u0131 Rabit\u0259 v\u0259 \u0130nformasiya Texnologiyalar\u0131 Nazirliyinin tabeliyind\u0259 \u0130nformasiya Texnologiyalar\u0131n\u0131n \u0130nki\u015faf\u0131 D\u00f6vl\u0259t Fondunun v\u0259saitinin istifad\u0259si Qaydalar\u0131<\/p>\n
\u018flav\u0259 II
\nAz\u0259rbaycan Respublikas\u0131 Prezidentinin 2 aprel 2013-c\u00fc il tarixli F\u0259rman\u0131 il\u0259 t\u0259sdiq edilmi\u015fdir<\/p>\n
1. \u00dcmumi m\u00fcdd\u0259alar<\/p>\n
1.1. Bu Qaydalar Az\u0259rbaycan Respublikas\u0131 Rabit\u0259 v\u0259 \u0130nformasiya Texnologiyalar\u0131 Nazirliyinin tabeliyind\u0259 \u0130nformasiya Texnologiyalar\u0131n\u0131n \u0130nki\u015faf\u0131 D\u00f6vl\u0259t Fondunun (bundan sonra – Fond) v\u0259saitinin istifad\u0259si mexanizmini v\u0259 \u015f\u0259rtl\u0259rini m\u00fc\u0259yy\u0259n edir, o c\u00fcml\u0259d\u0259n layih\u0259l\u0259r \u00fczr\u0259 \u0259riz\u0259l\u0259rin q\u0259bulu, layih\u0259l\u0259rin ekspertizas\u0131n\u0131n ke\u00e7irilm\u0259si, onlar\u0131n maliyy\u0259l\u0259\u015fdirilm\u0259si, monitorinqi v\u0259 idar\u0259 edilm\u0259si m\u0259s\u0259l\u0259l\u0259rini t\u0259nziml\u0259yir.<\/p>\n
1.2. Fondun v\u0259saitl\u0259ri Az\u0259rbaycan Respublikas\u0131nda informasiya-kommunikasiya texnologiyalar\u0131 (bundan sonra – \u0130KT) sah\u0259sinin inki\u015faf\u0131n\u0131n prioritet istiqam\u0259tl\u0259ri \u00fczr\u0259 investisiya v\u0259 m\u00fcsabiq\u0259 layih\u0259l\u0259rinin maliyy\u0259l\u0259\u015fdirilm\u0259sin\u0259, el\u0259c\u0259 d\u0259 \u0130KT sah\u0259sind\u0259 f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n h\u00fcquqi \u015f\u0259xsl\u0259rin nizamnam\u0259 kapital\u0131ndak\u0131 i\u015ftirak pay\u0131na, o c\u00fcml\u0259d\u0259n s\u0259hml\u0259rini almaqla m\u00fcdd\u0259tli investisiya qoyulu\u015funa y\u00f6n\u0259ldilir.<\/p>\n
1.3. Az\u0259rbaycan Respublikas\u0131 Prezidentinin f\u0259rman v\u0259 s\u0259r\u0259ncamlar\u0131nda, Nazirl\u0259r Kabinetinin q\u0259rar v\u0259 s\u0259r\u0259ncamlar\u0131nda, d\u00f6vl\u0259t proqramlar\u0131nda \u0130KT-nin inki\u015faf\u0131 il\u0259 ba\u011fl\u0131 n\u0259z\u0259rd\u0259 tutulan konkret layih\u0259l\u0259rin Fondun v\u0259saiti hesab\u0131na h\u0259yata ke\u00e7irilm\u0259si m\u0259qs\u0259di il\u0259 Fondun M\u00fc\u015fahid\u0259 \u015euras\u0131n\u0131n (bundan sonra – \u015eura) m\u00fc\u0259yy\u0259n etdiyi forma v\u0259 qaydada sahibkarl\u0131q subyektl\u0259ri aras\u0131nda m\u00fcsabiq\u0259 ke\u00e7irilir.<\/p>\n
1.4. Qaytar\u0131lan g\u00fcz\u0259\u015ftli kredit v\u0259saitl\u0259ri, habel\u0259 dig\u0259r daxilolmalar Fondun hesab\u0131nda saxlan\u0131l\u0131r v\u0259 bu Qaydalar\u0131n 1.2-ci b\u0259ndind\u0259 n\u0259z\u0259rd\u0259 tutulmu\u015f m\u0259qs\u0259dl\u0259r \u00fc\u00e7\u00fcn yenid\u0259n istifad\u0259 olunur.<\/p>\n
2. Layih\u0259l\u0259rin maliyy\u0259l\u0259\u015fdirilm\u0259si mexanizml\u0259ri<\/p>\n
2.1. Fond layih\u0259l\u0259rin maliyy\u0259l\u0259\u015fdirilm\u0259sinin a\u015fa\u011f\u0131dak\u0131 mexanizml\u0259rini t\u0259tbiq etm\u0259k h\u00fcququna malikdir:
\n2.1.1. \u0130KT sah\u0259sind\u0259 f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n h\u00fcquqi \u015f\u0259xsl\u0259rin nizamnam\u0259 kapital\u0131ndak\u0131 i\u015ftirak pay\u0131n\u0131, o c\u00fcml\u0259d\u0259n s\u0259hml\u0259rini almaqla m\u00fcdd\u0259tli investisiya qoyulu\u015funu;
\n2.1.2. m\u00fcv\u0259kkil banklar v\u0259 bank olmayan kredit t\u0259\u015fkilatlar\u0131 (bundan sonra \u2013 m\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131) vasit\u0259sil\u0259 g\u00fcz\u0259\u015ftli kreditl\u0259r \u015f\u0259klind\u0259 \u0130KT sah\u0259sind\u0259 f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n sahibkarl\u0131q subyektl\u0259rinin maliyy\u0259l\u0259\u015fdirilm\u0259sini;
\n2.1.3. innovativ v\u0259 t\u0259tbiqi elmi-texniki layih\u0259l\u0259rin (startap layih\u0259l\u0259ri) qrant maliyy\u0259l\u0259\u015fdirilm\u0259sini.
\n2.2. H\u0259r bir maliyy\u0259l\u0259\u015fm\u0259 mexanizmi \u00fczr\u0259 \u00fcmumi prinsipl\u0259r bu Qaydalarla m\u00fc\u0259yy\u0259n edilir. Layih\u0259l\u0259rin d\u0259qiq icras\u0131n\u0131 t\u0259min etm\u0259k m\u0259qs\u0259di il\u0259 \u015eura t\u0259r\u0259find\u0259n h\u0259r bir maliyy\u0259l\u0259\u015fm\u0259 mexanizmi \u00fczr\u0259 \u0259lav\u0259 reqlamentl\u0259rin t\u0259sdiq edilm\u0259si n\u0259z\u0259rd\u0259 tutulur.<\/p>\n
3. \u0130nvestisiya f\u0259aliyy\u0259ti<\/p>\n
3.1. Fondun f\u0259aliyy\u0259tinin \u0259sas istiqam\u0259tl\u0259rind\u0259n biri \u201c\u0130nvestisiya fondlar\u0131 haqq\u0131nda\u201d Az\u0259rbaycan Respublikas\u0131 Qanununun t\u0259l\u0259bl\u0259rin\u0259 uy\u011fun olaraq \u0130KT sah\u0259sind\u0259 f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n h\u00fcquqi \u015f\u0259xsl\u0259rin f\u0259aliyy\u0259tind\u0259 pay\u00e7\u0131 v\u0259 ya s\u0259hmdar kimi i\u015ftirak etm\u0259kdir.
\n3.2. Layih\u0259nin investisiya formas\u0131nda maliyy\u0259l\u0259\u015fdirilm\u0259si h\u00fcquqi \u015f\u0259xsin nizamnam\u0259 kapital\u0131n\u0131n bir hiss\u0259sinin Fondun maliyy\u0259 v\u0259saiti hesab\u0131na formala\u015fd\u0131r\u0131lmas\u0131 v\u0259 ya art\u0131r\u0131lmas\u0131 yolu il\u0259 h\u0259yata ke\u00e7irilir.
\n3.3. Bu zaman Fond il\u0259 h\u0259min h\u00fcquqi \u015f\u0259xs aras\u0131nda formas\u0131 \u015eura t\u0259r\u0259find\u0259n t\u0259sdiq edil\u0259n m\u00fcqavil\u0259 imzalan\u0131r. M\u00fcqavil\u0259d\u0259 layih\u0259nin icras\u0131 il\u0259 ba\u011fl\u0131 maliyy\u0259-t\u0259s\u0259rr\u00fcfat t\u0259dbirl\u0259ri, layih\u0259nin n\u0259tic\u0259l\u0259ri, layih\u0259nin idar\u0259 edilm\u0259si v\u0259 monitorinq mexanizml\u0259ri v\u0259 layih\u0259nin realla\u015fmas\u0131 il\u0259 \u0259laq\u0259dar dig\u0259r t\u0259dbirl\u0259r \u0259ks olunur.
\n3.4. H\u00fcquqi \u015f\u0259xsin f\u0259aliyy\u0259tin\u0259 n\u0259zar\u0259t Fondun s\u0259hmdar v\u0259 pay\u00e7\u0131 kimi malik oldu\u011fu h\u00fcquqlara \u0259sas\u0259n h\u0259yata ke\u00e7irilir.
\n3.5. \u0130KT sah\u0259sind\u0259 f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n h\u00fcquqi \u015f\u0259xsl\u0259rin nizamnam\u0259 kapital\u0131ndak\u0131 i\u015ftirak pay\u0131, o c\u00fcml\u0259d\u0259n s\u0259hml\u0259rini almaqla m\u00fcdd\u0259tli investisiya qoyulu\u015fu a\u015fa\u011f\u0131da qeyd edil\u0259n prinsipl\u0259r\u0259 \u0259saslan\u0131r:
\n3.5.1. Fondun \u0130KT sah\u0259sind\u0259 f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n v\u0259 ya yeni t\u0259sis edil\u0259n kommersiya h\u00fcquqi \u015f\u0259xsl\u0259rinin nizamnam\u0259 kapital\u0131na investisiya qoyulu\u015fu bar\u0259d\u0259 q\u0259rar\u0131 i\u015ftirak pay\u0131 t\u0259klif edil\u0259n h\u00fcquqi \u015f\u0259xsl\u0259rin f\u0259aliyy\u0259tinin kommersiya s\u0259m\u0259r\u0259liliyini \u0259ks etdir\u0259n biznes-planlar\u0131n\u0131n t\u0259hlili v\u0259 onlar\u0131n t\u0259sis\u00e7il\u0259rinin, habel\u0259 dig\u0259r i\u015ftirak\u00e7\u0131lar\u0131n\u0131n sahibkarl\u0131q f\u0259aliyy\u0259ti sah\u0259sind\u0259 malik oldu\u011fu t\u0259cr\u00fcb\u0259 v\u0259 \u0259ld\u0259 etdiyi nailiyy\u0259tl\u0259rin n\u0259z\u0259r\u0259 al\u0131nmas\u0131 \u0259sas\u0131nda q\u0259bul edilir;
\n3.5.2. Fond investisiya qoydu\u011fu h\u00fcquqi \u015f\u0259xsin nizamnam\u0259 kapital\u0131nda \u00fcst\u00fcn i\u015ftirak pay\u0131na malik olmamal\u0131d\u0131r;
\n3.5.3. kommersiya t\u0259\u015fkilat\u0131n\u0131n nizamnam\u0259 kapital\u0131na qoyulan investisiya \u00fc\u00e7\u00fcn Fondun M\u00fc\u015fahid\u0259 \u015euras\u0131n\u0131n m\u00fc\u0259yy\u0259n etdiyi m\u00fcdd\u0259t bitdikd\u0259, Fond \u0259ld\u0259 etdiyi i\u015ftirak pay\u0131n\u0131 bazar qiym\u0259tl\u0259ri il\u0259 sataraq, kommersiya t\u0259\u015fkilat\u0131ndak\u0131 i\u015ftirak\u0131na xitam verir.
\n3.6. Fond investisiya f\u0259aliyy\u0259ti il\u0259 \u0259laq\u0259dar a\u015fa\u011f\u0131dak\u0131lar\u0131 h\u0259yata ke\u00e7irir:
\n3.6.1. xarici investorlar\u0131 \u00f6lk\u0259nin \u0130KT sah\u0259sin\u0259 d\u0259v\u0259t etm\u0259k istiqam\u0259tind\u0259 t\u0259dbirl\u0259r g\u00f6r\u00fcr;
\n3.6.2. birg\u0259 m\u00fc\u0259ssis\u0259l\u0259rin yarad\u0131lmas\u0131 m\u0259qs\u0259di il\u0259 xarici investorlar\u0131n yerli h\u00fcquqi \u015f\u0259xsl\u0259rl\u0259 i\u015f birliyi qurmas\u0131na yard\u0131m edir;
\n3.6.3. \u0130KT sah\u0259sin\u0259 investisiya qoymaq \u00fc\u00e7\u00fcn layih\u0259l\u0259ri m\u00fc\u0259yy\u0259n edir, onlar\u0131n s\u0259naye v\u0259 maliyy\u0259 ekspertizas\u0131n\u0131 ke\u00e7irir;
\n3.6.4. Fond \u00fc\u00e7\u00fcn investisiya qoyulu\u015fu obyekti ola bil\u0259c\u0259k innovativ layih\u0259l\u0259ri olan perspektivli h\u00fcquqi \u015f\u0259xsl\u0259ri se\u00e7ir;
\n3.6.5. perspektivli investisiya layih\u0259l\u0259ri olan h\u00fcquqi \u015f\u0259xsl\u0259r\u0259 investisiya m\u00fcqavil\u0259l\u0259rinin haz\u0131rlanmas\u0131nda konsaltinq xidm\u0259ti g\u00f6st\u0259rir;
\n3.6.6. investisiyalar\u0131n h\u0259yata ke\u00e7irilm\u0259si \u00fc\u00e7\u00fcn investorlar\u0131n konsorsiumunu formala\u015fd\u0131r\u0131r;
\n3.6.7. Fondun v\u0259saitl\u0259rinin investisiyas\u0131 \u00e7\u0259r\u00e7iv\u0259sind\u0259 m\u00fcst\u0259qil v\u0259 ya investorlar konsorsiumunun t\u0259rkibind\u0259 \u0259m\u0259liyyatlar apar\u0131r;
\n3.6.8. Fondun investisiya portfelini idar\u0259 edir.
\n3.7. Fondun v\u0259saitl\u0259ri \u0130KT sah\u0259sind\u0259 a\u015fa\u011f\u0131da qeyd olunan istiqam\u0259tl\u0259r \u00fczr\u0259 f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n sahibkarl\u0131q subyektl\u0259rin\u0259 investisiya olunur:
\n3.7.1. t\u0259tbiqi elmi t\u0259dqiqat v\u0259 t\u0259cr\u00fcbi-layih\u0259 i\u015fl\u0259rinin apar\u0131lmas\u0131;
\n3.7.2. innovativ layih\u0259l\u0259rin yarad\u0131lmas\u0131;
\n3.7.3. yeni texniki s\u0131naq qur\u011fular\u0131n\u0131n yarad\u0131lmas\u0131;
\n3.7.4. yeni n\u00fcmun\u0259vi texnikan\u0131n yarad\u0131lmas\u0131 v\u0259 istehsal\u0131;
\n3.7.5. yeni texnologiyalar\u0131n yarad\u0131lmas\u0131;
\n3.7.6. proqram t\u0259minat\u0131 vasit\u0259l\u0259rinin yarad\u0131lmas\u0131;
\n3.7.7. informasiyan\u0131n q\u0259bulu, emal\u0131, t\u0259hlili v\u0259 \u00f6t\u00fcr\u00fclm\u0259si sah\u0259sind\u0259 yeni xidm\u0259tl\u0259rin yarad\u0131lmas\u0131;
\n3.7.8. elmi t\u0259dqiqat i\u015fl\u0259rinin istehsalata t\u0259tbiqi, onlar\u0131n kommersiyala\u015fd\u0131r\u0131lmas\u0131.<\/p>\n
4. M\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131 vasit\u0259sil\u0259 g\u00fcz\u0259\u015ftli kreditl\u0259rin t\u0259qdim edilm\u0259si<\/p>\n
4.1. Fondun v\u0259saitl\u0259rinin sahibkarl\u0131q subyektl\u0259rin\u0259 \u00e7atd\u0131r\u0131lmas\u0131 m\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131 vasit\u0259sil\u0259 onlar\u0131n \u00f6z ad\u0131ndan v\u0259 \u00f6z riskl\u0259ri hesab\u0131na h\u0259yata ke\u00e7irilir.
\n4.2. \u015eura t\u0259r\u0259find\u0259n m\u00fc\u0259yy\u0259n edilmi\u015f meyarlara uy\u011fun olaraq Az\u0259rbaycan Respublikas\u0131n\u0131n M\u0259rk\u0259zi Bank\u0131 t\u0259r\u0259find\u0259n lisenziya verilmi\u015f m\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131 g\u00fcz\u0259\u015ftli kreditl\u0259rin verilm\u0259sind\u0259 i\u015ftirak ed\u0259 bil\u0259r.
\n4.3. M\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131 il\u0259 Fond aras\u0131nda v\u0259saitl\u0259rin istifad\u0259 \u015f\u0259rtl\u0259rini n\u0259z\u0259rd\u0259 tutan m\u00fcqavil\u0259 imzalan\u0131r. Cari il \u00fczr\u0259 h\u0259r bir m\u00fcv\u0259kkil bank \u00fc\u00e7\u00fcn kredit x\u0259tti onun sifari\u015fi \u0259sas\u0131nda m\u00fc\u0259yy\u0259n edilir. Kredit v\u0259saitl\u0259ri layih\u0259nin icra t\u0259l\u0259bind\u0259n as\u0131l\u0131 olaraq sahibkarlara tam v\u0259 ya m\u0259rh\u0259l\u0259li \u015f\u0259kild\u0259 verilir. Fond m\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131 il\u0259 sahibkarl\u0131q subyektl\u0259ri aras\u0131nda ba\u011flan\u0131lacaq m\u00fcqavil\u0259d\u0259 dig\u0259r m\u0259cburi \u015f\u0259rtl\u0259rin olmas\u0131n\u0131 t\u0259l\u0259b ed\u0259 bil\u0259r.
\n4.4. Kredit v\u0259saiti bu Qaydalar\u0131n 5.7-ci v\u0259 5.9-cu b\u0259ndl\u0259rin\u0259 uy\u011fun olaraq verilir. Kredit v\u0259saiti yaln\u0131z tam istifad\u0259 olunduqdan sonra m\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131 t\u0259r\u0259find\u0259n kredit x\u0259ttinin istifad\u0259 v\u0259 ya yeni kredit x\u0259ttinin a\u00e7\u0131lmas\u0131 \u00fc\u00e7\u00fcn m\u00fcraci\u0259t edilir.
\n4.5. M\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131na kreditl\u0259rin verilm\u0259si a\u015fa\u011f\u0131dak\u0131 qaydalara \u0259sas\u0259n h\u0259yata ke\u00e7irilir:
\n4.5.1. m\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131n\u0131n Fonddan c\u0259lb etdikl\u0259ri v\u0259saitl\u0259rin \u00fcmumi m\u0259bl\u0259\u011finin qal\u0131\u011f\u0131 onlar\u0131n nizamnam\u0259 kapitallar\u0131n\u0131n 150 faizin\u0259d\u0259k ola bil\u0259r;
\n4.5.2. m\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131 istifad\u0259 etdikl\u0259ri v\u0259saitl\u0259r \u00fczr\u0259 \u0259sas borc v\u0259 hesablanm\u0131\u015f faizl\u0259ri h\u0259r ay \u00fczr\u0259 n\u00f6vb\u0259ti ay\u0131n 3 (\u00fc\u00e7) bank g\u00fcn\u00fcnd\u0259n gec olmayaraq Fonda \u00f6d\u0259m\u0259lidirl\u0259r;
\n4.5.3. m\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131n\u0131n Fond qar\u015f\u0131s\u0131nda \u00f6hd\u0259liyi, onlar\u0131n sahibkarl\u0131q subyektl\u0259rin\u0259 olan m\u00fcnasib\u0259tl\u0259rind\u0259n as\u0131l\u0131 deyildir. Sahibkarl\u0131q subyektl\u0259ri t\u0259r\u0259find\u0259n g\u00fcz\u0259\u015ftli kreditl\u0259r, faizl\u0259r v\u0259 dig\u0259r \u00f6hd\u0259likl\u0259r \u00fczr\u0259 \u00f6d\u0259ni\u015fl\u0259rin h\u0259yata ke\u00e7irilm\u0259sind\u0259n as\u0131l\u0131 olmayaraq, m\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131 Fond qar\u015f\u0131s\u0131nda \u00f6z \u00f6hd\u0259likl\u0259rini m\u00fcqavil\u0259 \u015f\u0259rtl\u0259rin\u0259 uy\u011fun olaraq yerin\u0259 yetirm\u0259lidirl\u0259r. M\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131 1 (bir) ay \u0259rzind\u0259 \u00f6hd\u0259likl\u0259rini icra etm\u0259dikd\u0259, Fond v\u0259saitl\u0259rinin qaytar\u0131lmas\u0131 \u00fc\u00e7\u00fcn qanunvericiliy\u0259 uy\u011fun t\u0259dbirl\u0259r g\u00f6r\u00fcr;
\n4.5.4. m\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131 t\u0259r\u0259find\u0259n sahibkarl\u0131q subyektl\u0259rind\u0259n qanunvericilikl\u0259 v\u0259 \u015eura t\u0259r\u0259find\u0259n m\u00fc\u0259yy\u0259n olunmu\u015f \u015f\u0259rtl\u0259rd\u0259n ba\u015fqa dig\u0259r \u015f\u0259rtl\u0259rin (\u0259lav\u0259 faizl\u0259rin \u00f6d\u0259nilm\u0259si v\u0259 s.) t\u0259l\u0259b olunmas\u0131 bar\u0259d\u0259 \u015fikay\u0259tl\u0259r\u0259 \u015eura t\u0259r\u0259find\u0259n bax\u0131l\u0131r v\u0259 bel\u0259 faktlar t\u0259sdiq olundu\u011fu t\u0259qdird\u0259 \u015eura m\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131na yeni v\u0259saitl\u0259rin ayr\u0131lmas\u0131n\u0131 dayand\u0131r\u0131r v\u0259 ya m\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131 kimi onun xidm\u0259tind\u0259n imtina edir.<\/p>\n
5. Kreditl\u0259rin sahibkarl\u0131q subyektl\u0259rin\u0259 ayr\u0131lmas\u0131 v\u0259 onlardan istifad\u0259 edilm\u0259si<\/p>\n
5.1. M\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131 bu Qaydalara uy\u011fun olaraq Fondun v\u0259saitl\u0259rini \u00f6z adlar\u0131ndan v\u0259 \u00f6z riskl\u0259ri hesab\u0131na yerl\u0259\u015fdirirl\u0259r.
\n5.2. Fondun v\u0259saiti hesab\u0131na g\u00fcz\u0259\u015ftli kredit almaq \u00fc\u00e7\u00fcn sahibkarl\u0131q subyektl\u0259ri ilkin olaraq m\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131na m\u00fcraci\u0259t edirl\u0259r. M\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131 m\u00fcraci\u0259tl\u0259ri qeydiyyata al\u0131r v\u0259 sahibkara m\u00fcraci\u0259tin qeydiyyata al\u0131nmas\u0131n\u0131 t\u0259sdiq ed\u0259n m\u00fcvafiq s\u0259n\u0259d t\u0259qdim edir. M\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131 10 (on) bank g\u00fcn\u00fcnd\u0259n gec olmayaraq \u00f6z biznes maraqlar\u0131na v\u0259 Fondun m\u00fc\u0259yy\u0259n etdiyi investisiya layih\u0259l\u0259rinin t\u0259rtib olunmas\u0131na dair minimal t\u0259l\u0259bl\u0259r v\u0259 qiym\u0259tl\u0259ndirm\u0259 meyarlar\u0131na \u0259saslanaraq investisiya layih\u0259l\u0259rini t\u0259hlil edir v\u0259 m\u00fcsb\u0259t qiym\u0259tl\u0259ndirdiyi layih\u0259l\u0259r\u0259 dair Fondun m\u00fc\u0259yy\u0259n etdiyi m\u0259lumatlar\u0131 v\u0259 s\u0259n\u0259dl\u0259ri Fonda t\u0259qdim edir. \u0130nvestisiya layih\u0259si m\u0259nfi qiym\u0259tl\u0259ndiril\u0259n sahibkarl\u0131q subyektl\u0259rin\u0259 is\u0259 m\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131 t\u0259r\u0259find\u0259n 3 (\u00fc\u00e7) bank g\u00fcn\u00fc m\u00fcdd\u0259tind\u0259 \u0259sasland\u0131r\u0131lm\u0131\u015f imtina m\u0259ktubu t\u0259qdim edilir.
\n5.3. Fond 10 (on) bank g\u00fcn\u00fc m\u00fcdd\u0259tind\u0259 Fondun v\u0259saitl\u0259ri hesab\u0131na maliyy\u0259l\u0259\u015fdirilm\u0259k \u00fc\u00e7\u00fcn t\u0259qdim olunmu\u015f layih\u0259l\u0259ri ekspertizadan ke\u00e7irir v\u0259 ki\u00e7ikh\u0259cmli kreditl\u0259r istisna olmaqla, m\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131n\u0131n t\u0259qdim etdiyi layih\u0259l\u0259rin bilavasit\u0259 yerind\u0259 ilkin monitorinqini h\u0259yata ke\u00e7irir.
\n5.4. Ekspertizan\u0131n n\u0259tic\u0259sind\u0259n as\u0131l\u0131 olaraq, Fond m\u00fcraci\u0259tl\u0259rin t\u0259min olunmas\u0131 v\u0259 ya onlardan imtina edilm\u0259si bar\u0259d\u0259 m\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131na r\u0259smi m\u0259lumat verir. M\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131 m\u00fcraci\u0259tl\u0259rin t\u0259min olunmas\u0131 haqq\u0131nda Fondun m\u00fcsb\u0259t q\u0259rar\u0131n\u0131 ald\u0131qdan sonra kreditl\u0259rin sahibkarlara ayr\u0131lmas\u0131 haqq\u0131nda son q\u0259rar\u0131 verir.
\n5.5. Sahibkarl\u0131q subyektl\u0259ri il\u0259 kredit m\u00fcqavil\u0259si ba\u011fland\u0131qdan sonra m\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131 t\u0259r\u0259find\u0259n kredit v\u0259saitinin ayr\u0131lmas\u0131 bar\u0259d\u0259 Fonda sifari\u015f g\u00f6nd\u0259rilir. Fond 3 (\u00fc\u00e7) bank g\u00fcn\u00fc \u0259rzind\u0259 v\u0259saitl\u0259rin m\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131na ayr\u0131lmas\u0131n\u0131 t\u0259min edir. Ayr\u0131lm\u0131\u015f v\u0259sait m\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131n\u0131n m\u00fcxbir hesab\u0131na daxil olduqdan sonra kredit t\u0259\u015fkilat\u0131 2 (iki) bank g\u00fcn\u00fc \u0259rzind\u0259 v\u0259saiti sahibkarl\u0131q subyektinin hesab\u0131na k\u00f6\u00e7\u00fcr\u00fcr v\u0259 bu bar\u0259d\u0259 Fonda v\u0259 sahibkarl\u0131q subyektin\u0259 m\u0259lumat verir.
\n5.6. Fondun g\u00fcz\u0259\u015ftli kreditl\u0259rind\u0259n istifad\u0259 etm\u0259k \u00fc\u00e7\u00fcn investisiya layih\u0259si t\u0259qdim etmi\u015f b\u00fct\u00fcn sahibkarl\u0131q subyektl\u0259ri haqq\u0131nda m\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131 t\u0259r\u0259find\u0259n h\u0259r r\u00fcb bitdikd\u0259n sonra n\u00f6vb\u0259ti ay\u0131n ilk 5 (be\u015f) bank g\u00fcn\u00fcnd\u0259n gec olmayaraq Fonda m\u0259lumat verilm\u0259lidir. T\u0259qdim olunacaq m\u0259lumat\u0131n formas\u0131 Fond t\u0259r\u0259find\u0259n m\u00fc\u0259yy\u0259nl\u0259\u015fdirilir.
\n5.7. Sahibkarl\u0131q subyektl\u0259rin\u0259 Fondun v\u0259saitl\u0259rind\u0259n a\u015fa\u011f\u0131dak\u0131 h\u0259dl\u0259rd\u0259 g\u00fcz\u0259\u015ftli kredit v\u0259saiti verilir:
\n5.7.1. 10 000 manatdan 50 000 manatad\u0259k – ki\u00e7ikh\u0259cmli kreditl\u0259r;
\n5.7.2. 50 001 manatdan 500 000 manatad\u0259k – ortah\u0259cmli kreditl\u0259r;
\n5.7.3. 500 001 manatdan 5 000 000 manatad\u0259k – b\u00f6y\u00fckh\u0259cmli kreditl\u0259r.
\n5.8. H\u0259r bir sahibkarl\u0131q subyektinin Fondun v\u0259saitl\u0259ri hesab\u0131na ald\u0131\u011f\u0131 g\u00fcz\u0259\u015ftli kreditin (o c\u00fcml\u0259d\u0259n, bir investisiya layih\u0259si \u00fczr\u0259) maksimum h\u0259ddi 5 000000 manatdan art\u0131q ola bilm\u0259z.
\n5.9. Fondun g\u00fcz\u0259\u015ftli kreditl\u0259rinin m\u00fcdd\u0259tl\u0259ri a\u015fa\u011f\u0131dak\u0131 kimi m\u00fc\u0259yy\u0259n edilir:
\n5.9.1. ki\u00e7ikh\u0259cmli kreditl\u0259r \u00fc\u00e7\u00fcn – 3 (\u00fc\u00e7) il\u0259d\u0259k;
\n5.9.2. ortah\u0259cmli kreditl\u0259r \u00fc\u00e7\u00fcn – 5 (be\u015f) il\u0259d\u0259k;
\n5.9.3. b\u00f6y\u00fckh\u0259cmli kreditl\u0259r \u00fc\u00e7\u00fcn – 10 (on) il\u0259d\u0259k.
\n5.10. Fondun kreditl\u0259rinin illik faiz d\u0259r\u0259c\u0259si 1 faiz m\u00fc\u0259yy\u0259n edilir.
\n5.11. M\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131n\u0131n Fondun kreditl\u0259rin\u0259 t\u0259tbiq etdiyi illik faiz d\u0259r\u0259c\u0259sinin \u0259n y\u00fcks\u0259k h\u0259ddinin c\u0259mi kredit m\u0259bl\u0259\u011finin 5 faizind\u0259n art\u0131q olmamal\u0131d\u0131r.
\n5.12. Fond t\u0259r\u0259find\u0259n b\u00fcdc\u0259 v\u0259saitl\u0259ri istisna olmaqla dig\u0259r m\u0259nb\u0259l\u0259rd\u0259n c\u0259lb olunan v\u0259saitl\u0259r\u0259 h\u0259min m\u0259nb\u0259l\u0259rl\u0259 ba\u011flan\u0131lan m\u00fcqavil\u0259l\u0259rd\u0259 n\u0259z\u0259rd\u0259 tutulmu\u015f faizl\u0259r n\u0259z\u0259r\u0259 al\u0131nmaqla bu Qaydalar\u0131n 5.10-cu v\u0259 5.11-ci b\u0259ndl\u0259ri t\u0259tbiq edilir.
\n5.13. Kreditl\u0259rd\u0259n istifad\u0259 \u00fczr\u0259 g\u00fcz\u0259\u015ft m\u00fcdd\u0259ti kredit verilmi\u015f h\u0259r bir sahibkarl\u0131q subyekti \u00fc\u00e7\u00fcn f\u0259aliyy\u0259tin xarakterind\u0259n as\u0131l\u0131 olaraq na\u011fd pulun h\u0259r\u0259k\u0259ti bar\u0259d\u0259 m\u0259lumat \u0259sas\u0131nda m\u00fc\u0259yy\u0259n edilir v\u0259 kreditin istifad\u0259 m\u00fcdd\u0259tinin ilk yar\u0131s\u0131n\u0131 \u0259hat\u0259 edir. G\u00fcz\u0259\u015ft m\u00fcdd\u0259tind\u0259 sahibkarl\u0131q subyektl\u0259ri yaln\u0131z faiz borclar\u0131n\u0131 \u00f6d\u0259yir, \u0259sas borc \u00fczr\u0259 is\u0259 h\u0259r hans\u0131 \u00f6d\u0259ni\u015f h\u0259yata ke\u00e7irmirl\u0259r. M\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131 sahibkarl\u0131q subyektl\u0259ri \u00fc\u00e7\u00fcn m\u00fc\u0259yy\u0259n etdikl\u0259ri g\u00fcz\u0259\u015ft m\u00fcdd\u0259ti bar\u0259d\u0259 Fonda m\u0259lumat verm\u0259lidir.<\/p>\n
6. V\u0259saitl\u0259rin sahibkarl\u0131q subyektl\u0259ri t\u0259r\u0259find\u0259n geri qaytar\u0131lmas\u0131<\/p>\n
6.1. Sahibkarl\u0131q subyektl\u0259rinin vaxt\u0131ndan \u0259vv\u0259l \u00f6d\u0259dikl\u0259ri faizl\u0259r v\u0259 ya \u0259sas borc m\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131 t\u0259r\u0259find\u0259n 3 (\u00fc\u00e7) bank g\u00fcn\u00fcnd\u0259n gec olmayaraq Fondun x\u0259zin\u0259 hesab\u0131na k\u00f6\u00e7\u00fcr\u00fclm\u0259lidir. M\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131 t\u0259r\u0259find\u0259n h\u0259min v\u0259saitin Fondun x\u0259zin\u0259 hesab\u0131na k\u00f6\u00e7\u00fcr\u00fclm\u0259si 30 (otuz) bank g\u00fcn\u00fcnd\u0259n \u00e7ox gecikdiril\u0259rs\u0259, \u015eura m\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131na yeni v\u0259saitl\u0259rin ayr\u0131lmas\u0131n\u0131 dayand\u0131r\u0131r v\u0259 ya m\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131 kimi onun xidm\u0259tind\u0259n imtina edir.
\n6.2. Fond, sahibkarl\u0131q subyektl\u0259ri t\u0259r\u0259find\u0259n \u0259sas borc v\u0259 faizl\u0259rin m\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131na \u00f6d\u0259nilm\u0259si m\u00fcdd\u0259ti il\u0259 m\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131 t\u0259r\u0259find\u0259n Fonda k\u00f6\u00e7\u00fcr\u00fclm\u0259sinin \u00fczl\u0259\u015fm\u0259sini apara v\u0259 ya bunun \u00fc\u00e7\u00fcn Az\u0259rbaycan Respublikas\u0131n\u0131n M\u0259rk\u0259zi Bank\u0131na m\u00fcraci\u0259t ed\u0259 bil\u0259r. Bel\u0259 m\u00fcraci\u0259t daxil oldu\u011fu t\u0259qdird\u0259, Az\u0259rbaycan Respublikas\u0131n\u0131n M\u0259rk\u0259zi Bank\u0131 \u00f6z s\u0259lahiyy\u0259tl\u0259ri daxilind\u0259 m\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131nda yoxlama aparan zaman bu m\u0259s\u0259l\u0259ni d\u0259 ara\u015fd\u0131r\u0131r v\u0259 Fonda m\u0259lumat verir.
\n6.3. V\u0259saitl\u0259rin sahibkarl\u0131q subyektl\u0259ri t\u0259r\u0259find\u0259n geri qaytar\u0131lmamas\u0131 v\u0259 ya gecikdirilm\u0259si m\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131n\u0131 Fond qar\u015f\u0131s\u0131ndak\u0131 \u00f6hd\u0259likl\u0259rd\u0259n azad etmir.<\/p>\n
7. Qrant maliyy\u0259l\u0259\u015fdirilm\u0259si<\/p>\n
7.1. Fond \u018fsasnam\u0259sind\u0259 qeyd olunan prioritetl\u0259r\u0259 uy\u011fun olaraq, \u015f\u0259ffafl\u0131q \u015f\u0259raitind\u0259 m\u00fcsabiq\u0259 \u0259sas\u0131nda fiziki v\u0259 h\u00fcquqi \u015f\u0259xsl\u0259rin qrant maliyy\u0259l\u0259\u015fdirilm\u0259sini h\u0259yata ke\u00e7irir.<\/p>\n
7.2. M\u00fcsabiq\u0259 \u00fczr\u0259 \u0259riz\u0259l\u0259rin q\u0259bulu, ilkin t\u0259hlili v\u0259 kodla\u015fd\u0131r\u0131lmas\u0131, daimi v\u0259 m\u00fcst\u0259qil ekspertl\u0259rin se\u00e7ilm\u0259si, m\u00fcst\u0259qil ekspertl\u0259r haqq\u0131nda m\u0259lumat bazas\u0131n\u0131n yarad\u0131lmas\u0131 v\u0259 kodla\u015fd\u0131r\u0131lmas\u0131 Fondun m\u00fcvafiq b\u00f6lm\u0259si t\u0259r\u0259find\u0259n yerin\u0259 yetirilir.
\n7.3. M\u00fcsabiq\u0259d\u0259 i\u015ftirak etm\u0259k m\u0259qs\u0259dil\u0259 h\u0259r bir fiziki v\u0259 h\u00fcquqi \u015f\u0259xs \u0259riz\u0259 il\u0259 Fonda m\u00fcraci\u0259t etm\u0259lidir.
\n7.4. Fondun \u018fsasnam\u0259sin\u0259 \u0259sas\u0259n m\u00fcsabiq\u0259 layih\u0259l\u0259ri ilkin v\u0259 kompleks ekspertizalar\u0131n n\u0259tic\u0259l\u0259rin\u0259 uy\u011fun olaraq se\u00e7ilir.
\n7.5. Fondun m\u00fcvafiq b\u00f6lm\u0259si v\u0259 daimi ekspertl\u0259ri t\u0259r\u0259find\u0259n 15 (on be\u015f) i\u015f g\u00fcn\u00fc m\u00fcdd\u0259tind\u0259 kodla\u015fd\u0131r\u0131lm\u0131\u015f layih\u0259l\u0259rin ilkin ekspertizas\u0131 ke\u00e7irilir, ilkin ekspertizan\u0131n n\u0259tic\u0259l\u0259ri sisteml\u0259\u015fdirilir v\u0259 q\u0259rar q\u0259bul edilir. \u0130lkin ekspertizan\u0131n n\u0259tic\u0259l\u0259rin\u0259 uy\u011fun olaraq a\u015fa\u011f\u0131dak\u0131 q\u0259rarlardan biri q\u0259bul edilir:
\n7.5.1. layih\u0259nin tam olmamas\u0131 v\u0259 ya Fondun f\u0259aliyy\u0259tin\u0259 v\u0259 prioritetl\u0259rin\u0259 uy\u011fun g\u0259lm\u0259m\u0259si s\u0259b\u0259bind\u0259n layih\u0259d\u0259n imtina edilm\u0259si. Bu halda \u0259riz\u0259\u00e7i m\u00fcvafiq qaydada m\u0259lumatland\u0131r\u0131l\u0131r;
\n7.5.2. \u0259riz\u0259nin n\u00f6vb\u0259ti m\u0259rh\u0259l\u0259y\u0259 burax\u0131lmas\u0131 v\u0259 kompleks ekspertizan\u0131n ke\u00e7irilm\u0259si haqq\u0131nda q\u0259rar\u0131n q\u0259bul edilm\u0259si.
\n7.6. M\u00fcst\u0259qil v\u0259 daimi ekspertl\u0259r t\u0259r\u0259find\u0259n 20 (iyirmi) i\u015f g\u00fcn\u00fc m\u00fcdd\u0259tind\u0259 h\u0259r layih\u0259 \u00fczr\u0259 kompleks ekspertiza ke\u00e7irilir v\u0259 ekspertizan\u0131n n\u0259tic\u0259sini \u00f6z\u00fcnd\u0259 \u0259ks etdir\u0259n r\u0259y, aray\u0131\u015f v\u0259 t\u00f6vsiy\u0259l\u0259r Fonda t\u0259qdim edilir.
\n7.7. Fondun m\u00fcvafiq b\u00f6lm\u0259si v\u0259 daimi ekspertl\u0259ri t\u0259r\u0259find\u0259n \u015eurada bax\u0131lmaq \u00fc\u00e7\u00fcn h\u0259r layih\u0259 \u00fczr\u0259 m\u00fcvafiq s\u0259n\u0259dl\u0259r toplusu haz\u0131rlan\u0131r. Bu s\u0259n\u0259dl\u0259r toplusu \u0259sas\u0131nda \u015euran\u0131n iclas\u0131nda m\u00fczakir\u0259l\u0259r apar\u0131l\u0131r, r\u0259y v\u0259 t\u00f6vsiy\u0259l\u0259r verilir, m\u00fcsabiq\u0259nin qalibl\u0259ri m\u00fc\u0259yy\u0259n edilir.
\n7.8. Layih\u0259l\u0259rin maliyy\u0259l\u0259\u015fdirilm\u0259si Fondla m\u00fcsabiq\u0259nin qalibi (layih\u0259 r\u0259hb\u0259ri) aras\u0131nda ba\u011flanm\u0131\u015f m\u00fcqavil\u0259 \u0259sas\u0131nda h\u0259yata ke\u00e7irilir. Layih\u0259nin x\u0259rcl\u0259r smetas\u0131, biznes plan\u0131 v\u0259 praktiki n\u0259tic\u0259l\u0259rinin istifad\u0259si il\u0259 ba\u011fl\u0131 x\u00fcsusi \u00f6hd\u0259likl\u0259ri n\u0259z\u0259rd\u0259 tutan m\u00fcvafiq s\u0259n\u0259dl\u0259r m\u00fcqavil\u0259y\u0259 \u0259lav\u0259 olunur.
\n7.9. Layih\u0259l\u0259r \u00fczr\u0259 qrantlar ki\u00e7ik, orta v\u0259 b\u00f6y\u00fck h\u0259cmli olmaqla, 36 (otuz alt\u0131) ay m\u00fcdd\u0259tin\u0259d\u0259k ayr\u0131l\u0131r.
\n7.10. Bir layih\u0259 \u00fczr\u0259 qrant maliyy\u0259l\u0259\u015fdirilm\u0259sinin h\u0259cmi 300 000 manatdan \u00e7ox olmamal\u0131d\u0131r.
\n7.10.1. Sahibkarl\u0131q subyektl\u0259rin\u0259 Fondun v\u0259saitl\u0259rind\u0259n a\u015fa\u011f\u0131dak\u0131 h\u0259dl\u0259rd\u0259 qrant v\u0259saiti verilir:
\n7.10.1.1. 10 000 manatdan 100 000 manatad\u0259k – ki\u00e7ikh\u0259cmli qrantlar;
\n7.10.1.2. 100 001 manatdan 200 000 manatad\u0259k – ortah\u0259cmli qrantlar;
\n7.10.1.3. 200 001 manatdan 300 000 manatad\u0259k – b\u00f6y\u00fckh\u0259cmli qrantlar.
\n7.11. M\u00fcsabiq\u0259 \u0259sas\u0131nda layih\u0259l\u0259rin se\u00e7ilm\u0259si daimi v\u0259 m\u00fcst\u0259qil ekspert komissiyalar\u0131 t\u0259r\u0259find\u0259n h\u0259yata ke\u00e7iril\u0259n ilkin v\u0259 yekun ekspertizalar\u0131n n\u0259tic\u0259l\u0259rin\u0259 uy\u011fun olaraq yerin\u0259 yetirilir.
\n7.12. Layih\u0259nin maliyy\u0259l\u0259\u015fdirilm\u0259si \u00fc\u00e7 m\u0259rh\u0259l\u0259d\u0259 h\u0259yata ke\u00e7irilir:
\n7.12.1. 12 ay m\u00fcdd\u0259ti \u0259hat\u0259 ed\u0259n birinci m\u0259rh\u0259l\u0259d\u0259 ilkin maliyy\u0259l\u0259\u015fdirilm\u0259 h\u0259yata ke\u00e7irilir. Bu m\u0259rh\u0259l\u0259d\u0259 layih\u0259nin biznes-plan\u0131na uy\u011fun olaraq i\u015fl\u0259rin t\u0259\u015fkilin\u0259 qrant\u0131n \u00fcmumi m\u0259bl\u0259\u011finin 20 faizi ayr\u0131l\u0131r;
\n7.12.2. 12-24 ay m\u00fcdd\u0259ti \u0259hat\u0259 ed\u0259n ikinci m\u0259rh\u0259l\u0259d\u0259 maliyy\u0259l\u0259\u015fdirilm\u0259nin davam etdirilm\u0259sin\u0259 dair q\u0259rar ilkin m\u0259rh\u0259l\u0259nin n\u0259tic\u0259l\u0259rin\u0259 uy\u011fun olaraq q\u0259bul edilir. Layih\u0259nin ilkin m\u0259rh\u0259l\u0259sinin n\u0259tic\u0259l\u0259ri layih\u0259nin biznes-plan\u0131nda qeyd olunan proqnoz g\u00f6st\u0259ricil\u0259rin\u0259 m\u00fcvafiq olaraq q\u0259na\u0259tb\u0259x\u015f hesab edildiyi t\u0259qdird\u0259, layih\u0259nin aral\u0131q maliyy\u0259l\u0259\u015fdirilm\u0259sin\u0259 qrant\u0131n \u00fcmumi m\u0259bl\u0259\u011finin 30 faizi ayr\u0131l\u0131r;
\n7.12.3. 24-36 ay m\u00fcdd\u0259ti \u0259hat\u0259 ed\u0259n sonuncu m\u0259rh\u0259l\u0259d\u0259 m\u00fcvafiq prosedura uy\u011fun olaraq, layih\u0259nin son maliyy\u0259l\u0259\u015fdirilm\u0259sin\u0259 qrant\u0131n \u00fcmumi m\u0259bl\u0259\u011finin qalan 50 faizi ayr\u0131l\u0131r. Bu m\u0259rh\u0259l\u0259d\u0259 layih\u0259nin kommersiyala\u015fd\u0131r\u0131lmas\u0131 m\u0259qs\u0259di il\u0259 layih\u0259y\u0259 dig\u0259r investorlar\u0131n v\u0259saitl\u0259rinin c\u0259lb olunmas\u0131 \u0259sas \u015f\u0259rt hesab edilir.<\/p>\n
8. Layih\u0259l\u0259rin monitorinqi<\/p>\n
8.1. M\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131 Fond t\u0259r\u0259find\u0259n m\u00fc\u0259yy\u0259n edilmi\u015f qaydalara \u0259sas\u0259n ild\u0259 iki d\u0259f\u0259d\u0259n az olmayaraq Fondun v\u0259saitl\u0259rinin h\u0259r bir sahibkarl\u0131q subyekti t\u0259r\u0259find\u0259n investisiya layih\u0259si \u00fczr\u0259 istifad\u0259 edilm\u0259sinin monitorinqini apar\u0131r v\u0259 bu bar\u0259d\u0259 Fonda hesabat verirl\u0259r. Hesabat\u0131n strukturu v\u0259 formas\u0131 Fond t\u0259r\u0259find\u0259n m\u00fc\u0259yy\u0259n edilir. M\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131 t\u0259r\u0259find\u0259n apar\u0131lan monitorinq zaman\u0131 g\u00fcz\u0259\u015ftli kredit v\u0259saitinin t\u0259yinat\u0131 \u00fczr\u0259 istifad\u0259 edilm\u0259m\u0259si hallar\u0131 a\u015fkar edildikd\u0259, m\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131 g\u00fcz\u0259\u015ftli kreditin v\u0259 hesablanm\u0131\u015f faiz borcunun vaxt\u0131ndan \u0259vv\u0259l \u00f6d\u0259nilm\u0259sini sahibkarl\u0131q subyektind\u0259n t\u0259l\u0259b etm\u0259lidir. Sahibkarl\u0131q subyektinin \u00f6z \u00f6hd\u0259liyini yerin\u0259 yetirib-yetirm\u0259m\u0259sind\u0259n as\u0131l\u0131 olmayaraq, m\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131 10 (on) bank g\u00fcn\u00fc \u0259rzind\u0259 bu layih\u0259 \u00fczr\u0259 \u0259sas kredit v\u0259 faiz borcunu b\u00fct\u00f6vl\u00fckd\u0259 Fondun hesab\u0131na k\u00f6\u00e7\u00fcrm\u0259lidir.
\n8.2. V\u0259saitl\u0259rin t\u0259yinat\u0131 \u00fczr\u0259 istifad\u0259sin\u0259 n\u0259zar\u0259t etm\u0259k m\u0259qs\u0259dil\u0259 Fond maliyy\u0259l\u0259\u015fdirdiyi sahibkarl\u0131q subyektl\u0259rind\u0259 m\u00fcst\u0259qil monitorinql\u0259r apara bil\u0259r.
\n8.3. M\u00fcsabiq\u0259 layih\u0259l\u0259rinin monitorinqini Fondun m\u00fcvafiq b\u00f6lm\u0259si v\u0259 ya Fondun sifari\u015fin\u0259 \u0259sas\u0259n m\u00fcst\u0259qil ekspertl\u0259r h\u0259yata ke\u00e7irirl\u0259r.
\n8.4. M\u00fcsabiq\u0259 layih\u0259l\u0259rinin monitorinqi a\u015fa\u011f\u0131dak\u0131 m\u0259qs\u0259dl\u0259rl\u0259 h\u0259yata ke\u00e7irilir:
\n8.4.1. layih\u0259 icra\u00e7\u0131s\u0131n\u0131n imzalanan m\u00fcqavil\u0259y\u0259 \u0259sas\u0259n Fondun qar\u015f\u0131s\u0131nda g\u00f6t\u00fcrd\u00fcy\u00fc \u00f6hd\u0259likl\u0259rin yerin\u0259 yetirilm\u0259sini qiym\u0259tl\u0259ndirm\u0259k;
\n8.4.2. layih\u0259 \u00fczr\u0259 riskl\u0259rin azald\u0131lmas\u0131 v\u0259 aradan qald\u0131r\u0131lmas\u0131 \u00fc\u00e7\u00fcn t\u0259dbirl\u0259r g\u00f6rm\u0259k;
\n8.4.3. layih\u0259l\u0259rin icras\u0131 \u00fczr\u0259 m\u00fcvafiq m\u0259lumatlar\u0131 layih\u0259l\u0259rin monitorinq bazas\u0131na daxil etm\u0259k.
\n8.5. M\u00fcsabiq\u0259 layih\u0259l\u0259rinin monitorinqi layih\u0259 icra\u00e7\u0131s\u0131n\u0131n t\u0259qdim etdiyi m\u00fcvafiq s\u0259n\u0259dl\u0259rin (t\u0259qdim olunan layih\u0259l\u0259rin h\u00fcquqi, maliyy\u0259-iqtisadi v\u0259 elmi-texniki t\u0259hlili d\u0259 daxil olmaqla) yoxlan\u0131lmas\u0131 yolu il\u0259 yerin\u0259 yetirilir.
\n8.6. M\u00fcsabiq\u0259 layih\u0259l\u0259rinin monitorinqi zaman\u0131 Fondun v\u0259saitl\u0259rinin t\u0259yinat\u0131 \u00fczr\u0259 istifad\u0259si yoxlan\u0131l\u0131r, m\u00fcvafiq s\u0259n\u0259dl\u0259r \u00fczr\u0259 layih\u0259 icras\u0131n\u0131n faktiki v\u0259 proqnoz g\u00f6st\u0259ricil\u0259ri m\u00fcqayis\u0259li \u015f\u0259kild\u0259 t\u0259hlil edilir, t\u0259qdim olunan s\u0259n\u0259dl\u0259r (illik audit yoxlamalar\u0131, r\u00fcbl\u00fck v\u0259 illik maliyy\u0259 hesabatlar\u0131 v\u0259 dig\u0259r m\u0259lumatlar) \u0259sas\u0131nda onun maliyy\u0259 v\u0259ziyy\u0259ti ara\u015fd\u0131r\u0131l\u0131r.
\n8.7. Fond t\u0259r\u0259find\u0259n apar\u0131lan monitorinq zaman\u0131 g\u00fcz\u0259\u015ftli kredit v\u0259saitinin t\u0259yinat\u0131 \u00fczr\u0259 istifad\u0259 edilm\u0259m\u0259si hallar\u0131 a\u015fkar edildikd\u0259, Fondun yaz\u0131l\u0131 t\u0259l\u0259bin\u0259 \u0259sas\u0259n h\u0259min sahibkarl\u0131q subyektin\u0259 verilmi\u015f g\u00fcz\u0259\u015ftli kredit v\u0259 faiz borcu m\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131 t\u0259r\u0259find\u0259n sahibkarl\u0131q subyektinin onun qar\u015f\u0131s\u0131nda \u00f6hd\u0259likl\u0259rini icra edib-etm\u0259m\u0259sind\u0259n as\u0131l\u0131 olmayaraq 10 (on) bank g\u00fcn\u00fc \u0259rzind\u0259 b\u00fct\u00f6vl\u00fckd\u0259 Fondun hesab\u0131na k\u00f6\u00e7\u00fcr\u00fcl\u00fcr. T\u0259l\u0259b edil\u0259n v\u0259saitin k\u00f6\u00e7\u00fcr\u00fclm\u0259si 30 (otuz) t\u0259qvim g\u00fcn\u00fcn\u00fc ke\u00e7diyi t\u0259qdird\u0259, Fond gecikdiril\u0259n m\u0259bl\u0259\u011fin qaytar\u0131lmas\u0131 \u00fc\u00e7\u00fcn qanunvericiliy\u0259 uy\u011fun t\u0259dbirl\u0259r g\u00f6r\u00fcr.
\n8.8. Fond t\u0259r\u0259find\u0259n m\u00fc\u0259yy\u0259n edilmi\u015f monitorinqin ke\u00e7irilm\u0259 qaydalar\u0131n\u0131n m\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131 t\u0259r\u0259find\u0259n 3 (\u00fc\u00e7) d\u0259f\u0259 v\u0259 daha \u00e7ox pozulmas\u0131 hallar\u0131 a\u015fkar edildikd\u0259, Fond t\u0259r\u0259find\u0259n m\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131na yeni v\u0259saitl\u0259rin ayr\u0131lmas\u0131 dayand\u0131r\u0131l\u0131r v\u0259 ya o, m\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131 s\u0131ras\u0131ndan \u00e7\u0131xar\u0131l\u0131r.<\/p>\n","protected":false},"excerpt":{"rendered":"
Az\u0259rbaycan Respublikas\u0131 Rabit\u0259 v\u0259 \u0130nformasiya Texnologiyalar\u0131 Nazirliyinin tabeliyind\u0259 \u0130nformasiya Texnologiyalar\u0131n\u0131n \u0130nki\u015faf\u0131 D\u00f6vl\u0259t Fondunun v\u0259saitinin istifad\u0259si Qaydalar\u0131 \u018flav\u0259 II Az\u0259rbaycan Respublikas\u0131 Prezidentinin 2 aprel 2013-c\u00fc il tarixli F\u0259rman\u0131 il\u0259 t\u0259sdiq edilmi\u015fdir Full Article »<\/a><\/p>\n","protected":false},"author":1,"featured_media":1318,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[9],"tags":[],"_links":{"self":[{"href":"https:\/\/informasiya.org\/index.php?rest_route=\/wp\/v2\/posts\/1088"}],"collection":[{"href":"https:\/\/informasiya.org\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/informasiya.org\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/informasiya.org\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/informasiya.org\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1088"}],"version-history":[{"count":3,"href":"https:\/\/informasiya.org\/index.php?rest_route=\/wp\/v2\/posts\/1088\/revisions"}],"predecessor-version":[{"id":1104,"href":"https:\/\/informasiya.org\/index.php?rest_route=\/wp\/v2\/posts\/1088\/revisions\/1104"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/informasiya.org\/index.php?rest_route=\/wp\/v2\/media\/1318"}],"wp:attachment":[{"href":"https:\/\/informasiya.org\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1088"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/informasiya.org\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1088"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/informasiya.org\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1088"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}