{"id":5501,"date":"2026-05-26T13:54:50","date_gmt":"2026-05-26T09:54:50","guid":{"rendered":"https:\/\/finance-group.az\/?p=5501"},"modified":"2026-05-21T14:05:23","modified_gmt":"2026-05-21T10:05:23","slug":"kredit-t-l-si-biznesi-boyutm-k-ucun-goturul-n-borc-n-vaxt-t-hluk-y-cevrilir","status":"publish","type":"post","link":"https:\/\/finance-group.az\/ru\/kredit-t-l-si-biznesi-boyutm-k-ucun-goturul-n-borc-n-vaxt-t-hluk-y-cevrilir\/","title":{"rendered":"\u041a\u0440\u0435\u0434\u0438\u0442\u043d\u0430\u044f \u043b\u043e\u0432\u0443\u0448\u043a\u0430: \u043a\u043e\u0433\u0434\u0430 \u0437\u0430\u0435\u043c \u0434\u043b\u044f \u0440\u0430\u0437\u0432\u0438\u0442\u0438\u044f \u0431\u0438\u0437\u043d\u0435\u0441\u0430 \u043d\u0430\u0447\u0438\u043d\u0430\u0435\u0442 \u0440\u0430\u0431\u043e\u0442\u0430\u0442\u044c \u043f\u0440\u043e\u0442\u0438\u0432 \u0432\u0430\u0441?"},"content":{"rendered":"

<\/p>\n

\"\"\u0412 \u0431\u0438\u0437\u043d\u0435\u0441-\u0441\u0440\u0435\u0434\u0435 \u0447\u0430\u0441\u0442\u043e \u043c\u043e\u0436\u043d\u043e \u0443\u0441\u043b\u044b\u0448\u0430\u0442\u044c: \u00ab\u0427\u0442\u043e\u0431\u044b \u0440\u0430\u0441\u0442\u0438, \u043e\u0431\u044f\u0437\u0430\u0442\u0435\u043b\u044c\u043d\u043e \u043d\u0443\u0436\u0435\u043d \u043a\u0440\u0435\u0434\u0438\u0442.\u00bb<\/i><\/span><\/h1>\n

\u0418 \u0432 \u044d\u0442\u043e\u043c \u0435\u0441\u0442\u044c \u0434\u043e\u043b\u044f \u043f\u0440\u0430\u0432\u0434\u044b. \u0415\u0441\u043b\u0438 \u0437\u0430\u0435\u043c\u043d\u044b\u0435 \u0441\u0440\u0435\u0434\u0441\u0442\u0432\u0430 \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u0443\u044e\u0442\u0441\u044f \u0433\u0440\u0430\u043c\u043e\u0442\u043d\u043e, \u043e\u043d\u0438 \u0434\u0435\u0439\u0441\u0442\u0432\u0438\u0442\u0435\u043b\u044c\u043d\u043e \u043c\u043e\u0433\u0443\u0442 \u0441\u0442\u0430\u0442\u044c \u043c\u043e\u0449\u043d\u044b\u043c \u0438\u043d\u0441\u0442\u0440\u0443\u043c\u0435\u043d\u0442\u043e\u043c \u0440\u043e\u0441\u0442\u0430.<\/h2>\n

\u041d\u043e \u043a\u0440\u0435\u0434\u0438\u0442, \u0432\u0437\u044f\u0442\u044b\u0439 \u0431\u0435\u0437 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0439 \u0433\u0440\u0430\u043c\u043e\u0442\u043d\u043e\u0441\u0442\u0438 \u0438 \u0442\u043e\u0447\u043d\u044b\u0445 \u0440\u0430\u0441\u0447\u0435\u0442\u043e\u0432, \u0441\u043f\u043e\u0441\u043e\u0431\u0435\u043d \u043d\u0435 \u0440\u0430\u0437\u0432\u0438\u0432\u0430\u0442\u044c \u0431\u0438\u0437\u043d\u0435\u0441, \u0430 \u043f\u0440\u0438\u0432\u0435\u0441\u0442\u0438 \u0435\u0433\u043e \u043a \u0441\u0435\u0440\u044c\u0435\u0437\u043d\u044b\u043c \u043f\u0440\u043e\u0431\u043b\u0435\u043c\u0430\u043c.<\/p>\n

\u0422\u0430\u043a \u0432 \u043a\u0430\u043a\u043e\u0439 \u043c\u043e\u043c\u0435\u043d\u0442 \u043a\u0440\u0435\u0434\u0438\u0442 \u043f\u0440\u0435\u0432\u0440\u0430\u0449\u0430\u0435\u0442\u0441\u044f \u0432 \u043e\u043f\u0430\u0441\u043d\u0443\u044e \u043b\u043e\u0432\u0443\u0448\u043a\u0443?<\/h3>\n

\u0413\u043b\u0430\u0432\u043d\u043e\u0435 \u043f\u0440\u0430\u0432\u0438\u043b\u043e \u043f\u0440\u043e\u0441\u0442\u043e\u0435: \u0434\u043e\u0445\u043e\u0434\u043d\u043e\u0441\u0442\u044c \u043e\u0442 \u043a\u0440\u0435\u0434\u0438\u0442\u0430 (ROI) \u0434\u043e\u043b\u0436\u043d\u0430 \u0431\u044b\u0442\u044c \u0432\u044b\u0448\u0435 \u0441\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u0438 \u0441\u0430\u043c\u043e\u0433\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u0430, \u0442\u043e \u0435\u0441\u0442\u044c \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u043d\u043e\u0439 \u0441\u0442\u0430\u0432\u043a\u0438. \u041f\u0440\u043e\u0449\u0435 \u0433\u043e\u0432\u043e\u0440\u044f, \u0435\u0441\u043b\u0438 \u0432\u044b \u0431\u0435\u0440\u0435\u0442\u0435 \u043a\u0440\u0435\u0434\u0438\u0442 \u043f\u043e\u0434 16% \u0433\u043e\u0434\u043e\u0432\u044b\u0445, \u0430 \u0432\u043b\u043e\u0436\u0435\u043d\u043d\u044b\u0435 \u0441\u0440\u0435\u0434\u0441\u0442\u0432\u0430 \u043f\u0440\u0438\u043d\u043e\u0441\u044f\u0442 \u0431\u0438\u0437\u043d\u0435\u0441\u0443 \u0442\u043e\u043b\u044c\u043a\u043e 12% \u043f\u0440\u0438\u0431\u044b\u043b\u0438, \u0437\u043d\u0430\u0447\u0438\u0442 \u0432\u044b \u0444\u0430\u043a\u0442\u0438\u0447\u0435\u0441\u043a\u0438 \u0435\u0436\u0435\u0433\u043e\u0434\u043d\u043e \u0442\u0435\u0440\u044f\u0435\u0442\u0435 4%. \u0412 \u0442\u0430\u043a\u043e\u0439 \u0441\u0438\u0442\u0443\u0430\u0446\u0438\u0438 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u044f \u043d\u0430\u0447\u0438\u043d\u0430\u0435\u0442 \u0440\u0430\u0431\u043e\u0442\u0430\u0442\u044c \u043d\u0435 \u043d\u0430 \u0441\u0435\u0431\u044f, \u0430 \u043d\u0430 \u0432\u044b\u043f\u043b\u0430\u0442\u0443 \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u043e\u0432 \u0431\u0430\u043d\u043a\u0443.<\/p>\n

\u0415\u0449\u0435 \u043e\u0434\u043d\u0430 \u043a\u0440\u0438\u0442\u0438\u0447\u0435\u0441\u043a\u0430\u044f \u043e\u0448\u0438\u0431\u043a\u0430 \u2014 \u0431\u0440\u0430\u0442\u044c \u043a\u0440\u0435\u0434\u0438\u0442 \u0434\u043b\u044f \u0437\u0430\u043a\u0440\u044b\u0442\u0438\u044f \u043a\u0430\u0441\u0441\u043e\u0432\u044b\u0445 \u0440\u0430\u0437\u0440\u044b\u0432\u043e\u0432 \u0438 \u043d\u0435\u0445\u0432\u0430\u0442\u043a\u0438 \u043e\u0431\u043e\u0440\u043e\u0442\u043d\u044b\u0445 \u0441\u0440\u0435\u0434\u0441\u0442\u0432. \u0415\u0441\u043b\u0438 \u0431\u0438\u0437\u043d\u0435\u0441-\u043c\u043e\u0434\u0435\u043b\u044c \u0443\u0436\u0435 \u0443\u0431\u044b\u0442\u043e\u0447\u043d\u0430, \u043d\u043e\u0432\u044b\u0439 \u0434\u043e\u043b\u0433 \u043d\u0435 \u0440\u0435\u0448\u0430\u0435\u0442 \u043f\u0440\u043e\u0431\u043b\u0435\u043c\u0443. \u041e\u043d \u043b\u0438\u0448\u044c \u0432\u0440\u0435\u043c\u0435\u043d\u043d\u043e \u0441\u043a\u0440\u044b\u0432\u0430\u0435\u0442 \u043f\u043e\u0441\u043b\u0435\u0434\u0441\u0442\u0432\u0438\u044f \u0438 \u0443\u0432\u0435\u043b\u0438\u0447\u0438\u0432\u0430\u0435\u0442 \u043c\u0430\u0441\u0448\u0442\u0430\u0431 \u0431\u0443\u0434\u0443\u0449\u0435\u0433\u043e \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0433\u043e \u043a\u0440\u0438\u0437\u0438\u0441\u0430.<\/p>\n

\u041a\u043e\u0433\u0434\u0430 \u043a\u0440\u0435\u0434\u0438\u0442 \u0434\u0435\u0439\u0441\u0442\u0432\u0438\u0442\u0435\u043b\u044c\u043d\u043e \u043f\u043e\u043b\u0435\u0437\u0435\u043d?<\/h3>\n

\u0422\u043e\u0433\u0434\u0430, \u043a\u043e\u0433\u0434\u0430 \u0437\u0430\u0435\u043c\u043d\u044b\u0435 \u0441\u0440\u0435\u0434\u0441\u0442\u0432\u0430 \u043d\u0430\u043f\u0440\u0430\u0432\u043b\u044f\u044e\u0442\u0441\u044f:<\/p>\n

    \n
  • \u043d\u0430 \u043f\u043e\u043a\u0443\u043f\u043a\u0443 \u0430\u043a\u0442\u0438\u0432\u043e\u0432, \u043f\u0440\u0438\u043d\u043e\u0441\u044f\u0449\u0438\u0445 \u0434\u043e\u0445\u043e\u0434,<\/li>\n
  • \u043d\u0430 \u0432\u044b\u0445\u043e\u0434 \u043d\u0430 \u043d\u043e\u0432\u044b\u0435 \u0440\u044b\u043d\u043a\u0438,<\/li>\n
  • \u043d\u0430 \u0440\u0435\u0430\u043b\u044c\u043d\u043e\u0435 \u0440\u0430\u0441\u0448\u0438\u0440\u0435\u043d\u0438\u0435 \u0431\u0438\u0437\u043d\u0435\u0441\u0430,<\/li>\n
  • \u0438\u043b\u0438 \u043d\u0430 \u043f\u043e\u0432\u044b\u0448\u0435\u043d\u0438\u0435 \u044d\u0444\u0444\u0435\u043a\u0442\u0438\u0432\u043d\u043e\u0441\u0442\u0438 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0438.<\/li>\n<\/ul>\n

    \u0422\u043e \u0435\u0441\u0442\u044c \u043a\u0440\u0435\u0434\u0438\u0442 \u0434\u043e\u043b\u0436\u0435\u043d \u0431\u044b\u0442\u044c \u043d\u0435 \u044d\u043c\u043e\u0446\u0438\u043e\u043d\u0430\u043b\u044c\u043d\u044b\u043c \u0440\u0435\u0448\u0435\u043d\u0438\u0435\u043c, \u0430 \u043f\u0440\u043e\u0441\u0447\u0438\u0442\u0430\u043d\u043d\u043e\u0439 \u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0446\u0438\u0435\u0439.<\/p>\n

    \u0427\u0442\u043e \u0432\u0430\u0436\u043d\u043e \u0441\u0434\u0435\u043b\u0430\u0442\u044c \u043f\u0435\u0440\u0435\u0434 \u043e\u0444\u043e\u0440\u043c\u043b\u0435\u043d\u0438\u0435\u043c \u043a\u0440\u0435\u0434\u0438\u0442\u0430?<\/h3>\n
      \n
    • \u0422\u043e\u0447\u043d\u043e \u043e\u0446\u0435\u043d\u0438\u0442\u044c \u0440\u0435\u043d\u0442\u0430\u0431\u0435\u043b\u044c\u043d\u043e\u0441\u0442\u044c \u0431\u0438\u0437\u043d\u0435\u0441\u0430,<\/li>\n
    • \u043f\u0440\u043e\u0430\u043d\u0430\u043b\u0438\u0437\u0438\u0440\u043e\u0432\u0430\u0442\u044c \u0434\u0435\u043d\u0435\u0436\u043d\u044b\u0439 \u043f\u043e\u0442\u043e\u043a,<\/li>\n
    • \u043f\u0440\u043e\u0432\u0435\u0441\u0442\u0438 \u0441\u0442\u0440\u0435\u0441\u0441-\u0442\u0435\u0441\u0442\u044b,<\/li>\n
    • \u0438 \u0443\u0431\u0435\u0434\u0438\u0442\u044c\u0441\u044f, \u0447\u0442\u043e \u0434\u0430\u0436\u0435 \u0432 \u0445\u0443\u0434\u0448\u0435\u043c \u0441\u0446\u0435\u043d\u0430\u0440\u0438\u0438 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u044f \u0441\u043c\u043e\u0436\u0435\u0442 \u043e\u0431\u0441\u043b\u0443\u0436\u0438\u0432\u0430\u0442\u044c \u0434\u043e\u043b\u0433.<\/li>\n<\/ul>\n

      \u041f\u043e\u043c\u043d\u0438\u0442\u0435: \u043f\u0440\u0430\u0432\u0438\u043b\u044c\u043d\u043e \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u043d\u043d\u044b\u0439 \u043a\u0440\u0435\u0434\u0438\u0442 \u043f\u043e\u043c\u043e\u0433\u0430\u0435\u0442 \u0431\u0438\u0437\u043d\u0435\u0441\u0443 \u0440\u0430\u0441\u0442\u0438, \u0430 \u043d\u0435\u043f\u0440\u0430\u0432\u0438\u043b\u044c\u043d\u043e \u0443\u043f\u0440\u0430\u0432\u043b\u044f\u0435\u043c\u044b\u0439 \u2014 \u043f\u0440\u0435\u0432\u0440\u0430\u0449\u0430\u0435\u0442\u0441\u044f \u0432 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u0443\u044e \u043b\u043e\u0432\u0443\u0448\u043a\u0443.<\/p>\n

      \u0420\u0435\u043a\u043e\u043c\u0435\u043d\u0434\u0430\u0446\u0438\u044f FGAC:<\/b>
      \n\u041f\u0440\u0435\u0436\u0434\u0435 \u0447\u0435\u043c \u0431\u0440\u0430\u0442\u044c \u043a\u0440\u0435\u0434\u0438\u0442, \u0432\u0430\u0436\u043d\u043e \u0433\u0440\u0430\u043c\u043e\u0442\u043d\u043e \u043e\u0446\u0435\u043d\u0438\u0442\u044c \u0440\u0438\u0441\u043a\u0438, \u0440\u0430\u0441\u0441\u0447\u0438\u0442\u0430\u0442\u044c \u0434\u043e\u0445\u043e\u0434\u043d\u043e\u0441\u0442\u044c \u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0446\u0438\u0439 \u0438 \u0432\u044b\u0441\u0442\u0440\u043e\u0438\u0442\u044c \u0443\u0441\u0442\u043e\u0439\u0447\u0438\u0432\u0443\u044e \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u0443\u044e \u0441\u0442\u0440\u0430\u0442\u0435\u0433\u0438\u044e. \u0421\u043f\u0435\u0446\u0438\u0430\u043b\u0438\u0441\u0442\u044b Finance Group Accounting and Consulting<\/i><\/span> \u043f\u043e\u043c\u043e\u0433\u0443\u0442 \u0432\u0430\u043c \u043f\u0440\u0438\u043d\u044f\u0442\u044c \u0432\u0437\u0432\u0435\u0448\u0435\u043d\u043d\u043e\u0435 \u0440\u0435\u0448\u0435\u043d\u0438\u0435: \u043c\u044b \u0443\u043f\u0440\u0430\u0432\u043b\u044f\u0435\u043c \u0440\u0438\u0441\u043a\u0430\u043c\u0438, \u0430 \u0432\u044b \u0443\u0432\u0435\u0440\u0435\u043d\u043d\u043e \u0440\u0430\u0437\u0432\u0438\u0432\u0430\u0435\u0442\u0435 \u0441\u0432\u043e\u0439 \u0431\u0438\u0437\u043d\u0435\u0441.<\/p>\n

      <\/p>","protected":false},"excerpt":{"rendered":"

      \u0412 \u0431\u0438\u0437\u043d\u0435\u0441-\u0441\u0440\u0435\u0434\u0435 \u0447\u0430\u0441\u0442\u043e \u043c\u043e\u0436\u043d\u043e \u0443\u0441\u043b\u044b\u0448\u0430\u0442\u044c: \u00ab\u0427\u0442\u043e\u0431\u044b \u0440\u0430\u0441\u0442\u0438, \u043e\u0431\u044f\u0437\u0430\u0442\u0435\u043b\u044c\u043d\u043e \u043d\u0443\u0436\u0435\u043d \u043a\u0440\u0435\u0434\u0438\u0442.\u00bb \u0418 \u0432 \u044d\u0442\u043e\u043c \u0435\u0441\u0442\u044c \u0434\u043e\u043b\u044f \u043f\u0440\u0430\u0432\u0434\u044b. \u0415\u0441\u043b\u0438 \u0437\u0430\u0435\u043c\u043d\u044b\u0435 \u0441\u0440\u0435\u0434\u0441\u0442\u0432\u0430 \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u0443\u044e\u0442\u0441\u044f \u0433\u0440\u0430\u043c\u043e\u0442\u043d\u043e, \u043e\u043d\u0438…<\/p>\n","protected":false},"author":3,"featured_media":5502,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[72,75,73,74],"tags":[],"class_list":["post-5501","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-accounting","category-business","category-muhasibat","category-buhgalteriya"],"yoast_head":"\n\u041a\u0440\u0435\u0434\u0438\u0442\u043d\u0430\u044f \u043b\u043e\u0432\u0443\u0448\u043a\u0430: \u043a\u043e\u0433\u0434\u0430 \u0437\u0430\u0435\u043c \u0434\u043b\u044f \u0440\u0430\u0437\u0432\u0438\u0442\u0438\u044f \u0431\u0438\u0437\u043d\u0435\u0441\u0430 \u043d\u0430\u0447\u0438\u043d\u0430\u0435\u0442 \u0440\u0430\u0431\u043e\u0442\u0430\u0442\u044c \u043f\u0440\u043e\u0442\u0438\u0432 \u0432\u0430\u0441? 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