Berkarar d\u00f6wleti\u0148 T\u00e4ze e\u00fd\u00fdamyny\u0148 Galkyny\u015fy d\u00f6wr\u00fcnde \u00fdurdymyzy\u0148 ykdysady \u00f6s\u00fc\u015fini\u0148 \u00fdokary depginde amal edilmeginde bank ulgamyny\u0148 tut\u00fdan orny uludyr. \u00c7\u00fcnki \u00fdurdumyzy\u0148 bank edaralary tarapyndan \u00fderine \u00fdetiril\u00fd\u00e4n hyzmatlary\u0148 we beril\u00fd\u00e4n karzlary\u0148 k\u00f6megi bilen ykdysady\u00fdetimizi\u0148 pudaklaryny\u0148 arasynda sazla\u015fykly \u00f6s\u00fc\u015f, \u015fe\u00fdle hem \u00f6n\u00fcm\u00e7iligi\u0148 \u00fczn\u00fcksizligi, haryt bol\u00e7ulygyny\u0148 d\u00f6redilmegi we kadaly pul dolany\u015fygy \u00fcpj\u00fcn edil\u00fd\u00e4r. Bank karzy be\u00fdleki ykdysady gurallar bilen de\u0148e\u015fdirilende has i\u015fje\u0148 we netijelidir. \u015eo\u0148a g\u00f6r\u00e4de, T\u00fcrkmenistany\u0148 banklary d\u00fcrli g\u00f6rn\u00fc\u015fli bank karzlaryny bermekde i\u015fleri gi\u0148 gerimde alyp bar\u00fdarlar.<\/p>\n
Bank tarapyndan m\u00fc\u015fderileri karzla\u015fdyrmagy\u0148 a\u00fdratynlygy bolsa, her bir karz gele\u015figini\u0148 \u015fertnamala\u00fdyn h\u00e4si\u00fdete e\u00fde bolup dur\u00fdanlygyndadyr. Karz \u015fertnamasy karz gele\u015figini d\u00fczg\u00fcnle\u015fdir\u00fd\u00e4n hukuk resminamasy bolup dur\u00fdar. Onu\u0148 \u00e4hli \u015fertleri bagla\u015fan taraplar \u00fc\u00e7in h\u00f6kmany \u00fderine \u00fdetirilm\u00e4ge degi\u015flidir. Karz \u015fertnamasynda g\u00f6z \u00f6\u0148\u00fcnde tutul\u00fdan ykdysady we hukuk gatna\u015fyklaryny\u0148 mazmuny hereket ed\u00fd\u00e4n kanun\u00e7ylyk namalar esasynda kesgitlenil\u00fd\u00e4r. Karz \u015fertnamasyny\u0148 hukuk ta\u00fddan dogry resmile\u015fdirilmegi banky\u0148 we m\u00fc\u015fderini\u0148 i\u015fe ukyplylygyny hem-de olary\u0148 karz gatna\u015fyklaryndaky jogapk\u00e4r\u00e7iligini artdyr\u00fdar.<\/p>\n
Karz \u015fertnamasyny\u0148 me\u00fdletin bagla\u015fylmagy m\u00fc\u015fderini\u0148 karz almak \u00fc\u00e7in banky erkin \u00f6zba\u015fdak sa\u00fdlap al\u00fdandygyny, \u015fe\u00fdle hem banky\u0148 ol m\u00fc\u015fderi bilen karz gatna\u015fyklaryna giri\u015fmek m\u00fcmkin\u00e7iligi hakyndaky mesel\u00e4ni \u00e7\u00f6z\u00fd\u00e4nligini a\u0148lad\u00fdar. Iki tarap hem karz bo\u00fdun\u00e7a \u015fertnamala\u00fdyn gatna\u015fyklara erkin isleg bildirip giri\u015f\u00fd\u00e4rler. Bank hyzmatlaryny\u0148 i\u00e7inde karz kartlaryny\u0148 bazaryny\u0148 geljegi has uly hasap edil\u00fd\u00e4r. Adaty karz karty z\u00e4hmet hakynda go\u015fma\u00e7a resmile\u015fdirip, \u00f6z-\u00f6z\u00fcnden karzla\u015fdyrylma, bank tarapyndan go\u015fma\u00e7a hereketsiz amala a\u015fyryl\u00fdar. Ilata h\u00f6d\u00fcrlenil\u00fd\u00e4n belli bir \u00e7\u00e4kde karzla\u015fdyryl\u00fdan bank kartlary b\u00fctin d\u00fcn\u00fd\u00e4de hereket ed\u00fd\u00e4n halkara hasapla\u015fyk ulgamyny\u0148 VISA International, Master Card Europe \u00fdaly kartlarydyr. \u015eu bank kartlary bilen islendik \u00fdurdu\u0148 s\u00f6wd\u00e4 nokadynda haryt we hyzmat \u00fc\u00e7in t\u00f6leg ge\u00e7irip bol\u00fdar.<\/p>\n
Karz alnan a\u00fddan indiki a\u00fdy\u0148 so\u0148ky g\u00fcn\u00fcne \u00e7enli gij\u00e4 galman, ol yzyna ga\u00fdtarylmalydyr. Karz we o\u0148a hasaplanan g\u00f6terim bank tarapyndan bank kartyna seri\u015fd\u00e4ni\u0148 d\u00fc\u015fen badyna, awtomatik usulda alyn\u00fdar. M\u00fc\u015fderini\u0148 harytlar we hyzmatlar \u00fc\u00e7in hasapla\u015fyklary ge\u00e7irmeklerinden ba\u015fga-da, olara kartda \u00f6z hususy seri\u015fdelerini saklamaga hem-de z\u00e4hmet hakyny \u00fda-da, ba\u015fga islendik hasapla\u015fyklary ge\u00e7irm\u00e4ge m\u00fcmkin\u00e7iligi d\u00f6redil\u00fd\u00e4r. Karz kartyny resmile\u015fdirmek \u00fc\u00e7in m\u00fc\u015fderini\u0148 banka \u00fd\u00fcz tutmagy we hemi\u015fe i\u015fle\u00fd\u00e4n \u00fderini\u0148 bolmagy h\u00f6kmanydyr. M\u00fc\u015fderileri h\u00f6weslendirmek maksady bilen, banky\u0148 \u00f6\u0148\u00fcnde \u00f6z bor\u00e7namalaryny wagtynda dogry we doly \u00fderine \u00fdetiren \u00fdagda\u00fdynda, \u00fdyl-\u00fdyldan olary\u0148 karzyny\u0148 m\u00f6\u00e7berini k\u00f6peltmek \u00fda-da pes g\u00f6terimden bermek \u00fdaly a\u00fdratynlyklar bank tarapyndan girizilip bilner. \u201cKarz edaralary we bank isi hakynda\u201d T\u00fcrkmenistany\u0148 Kanuny T\u00fcrkmenistanda bank i\u015fini\u0148 hukuk, gurama\u00e7ylyk we ykdysady esaslaryny kesgitle\u00fd\u00e4r. Kanun T\u00fcrkmenistany\u0148 bank ulgamyny\u0148 netijeli i\u015flemegine g\u00f6n\u00fckdirilendir. Bu Kanunda karz edarasyny\u0148 d\u00f6redilmegi, \u00fc\u00fdtgedilip gurulmagy, i\u015fini bes etmegi we \u00fdatyrylmagy, karz edarasyny\u0148 ma\u00fdasy, karz edarasyny\u0148 i\u015fini d\u00fczg\u00fcnle\u015fdirmek, karz edaralaryny\u0148 we olary\u0148 m\u00fc\u015fderilerini\u0148 \u00f6zara gatna\u015fyklary, T\u00fcrkmenistanda s\u00fc\u00fd\u015f\u00fcrintgi i\u015fi, karz edaralarynda hasaba aly\u015f we hasabatlylyk barada kadalar gi\u0148den bellenilendir. T\u00fcrkmenistany\u0148 Merkezi bankyny\u0148 kadala\u015fdyryjy namalaryna we T\u00fcrkmenistany\u0148 hereket ed\u00fd\u00e4n kanun\u00e7ylygyna la\u00fdyklykda, banky\u0148 karz bermek baradaky d\u00fczg\u00fcnnamasy esasynda edara g\u00f6rn\u00fc\u015fli taraplara we hususy teleke\u00e7ilere bank karzlary beril\u00fd\u00e4r. Edara g\u00f6rn\u00fc\u015fli tarap bolan m\u00fc\u015fderi karz almak \u00fc\u00e7in islendik banka \u00fd\u00fcz tutmak hukugyna e\u00fdedir.<\/p>\n
Maksatnamada bank ulgamyny tapgyrla\u00fdyn \u00f6sd\u00fcrmek bo\u00fdun\u00e7a esasy \u00f6\u0148de go\u00fdlan wezipeleri\u0148 biri hem bank ulgamyny\u0148 kanun\u00e7ylyk bin\u00fdadyny\u0148 k\u00e4mille\u015fdirilmegidir. Bu ugurda h\u00e4zirki wagtda belli bir i\u015fler \u00fderine \u00fdetirildi. T\u00fcrkmenistany\u0148 Merkezi bankyny\u0148 wezipelerini\u0148 biri hem T\u00fcrkmenistany\u0148 kanun\u00e7ylygyna we mali\u00fde hasabatlylygyny\u0148 halkara standartlaryna la\u00fdyklykda T\u00fcrkmenistanda bellige alnan karz edaralarynda buhgalter\u00e7ilik hasaba alny\u015f we mali\u00fde hasabatlylyk ulgamlaryny\u0148 kadala\u015fdyrylmagyny amala a\u015fyr\u00fdar di\u00fdip bellenilendir. \u015ee\u00fdle-de, \u201cPul birligi hakyndaky\u201d T\u00fcrkmenistany\u0148 Kanunynda be\u00fdan edilen d\u00fczg\u00fcnler \u201cT\u00fcrkmenistany\u0148 Merkezi banky hakyndaky\u201d t\u00e4ze kanuna go\u015fuldy.<\/p>\n
A\u00fdsenem \u0150wezguly\u00ffewa,<\/em><\/strong> A\u00fdna MUHAMMEDOWA,<\/em><\/strong> <\/p>","protected":false},"excerpt":{"rendered":" Berkarar d\u00f6wleti\u0148 T\u00e4ze e\u00fd\u00fdamyny\u0148 Galkyny\u015fy d\u00f6wr\u00fcnde \u00fdurdymyzy\u0148 ykdysady \u00f6s\u00fc\u015fini\u0148 \u00fdokary depginde amal edilmeginde bank ulgamyny\u0148 tut\u00fdan orny uludyr. \u00c7\u00fcnki \u00fdurdumyzy\u0148 bank edaralary tarapyndan \u00fderine \u00fdetiril\u00fd\u00e4n hyzmatlary\u0148 we beril\u00fd\u00e4n karzlary\u0148 k\u00f6megi bilen ykdysady\u00fdetimizi\u0148 pudaklaryny\u0148 arasynda sazla\u015fykly \u00f6s\u00fc\u015f, \u015fe\u00fdle hem \u00f6n\u00fcm\u00e7iligi\u0148 \u00fczn\u00fcksizligi, haryt bol\u00e7ulygyny\u0148 d\u00f6redilmegi we kadaly pul dolany\u015fygy \u00fcpj\u00fcn edil\u00fd\u00e4r. Bank karzy be\u00fdleki ykdysady gurallar bilen […]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10,1],"tags":[],"_links":{"self":[{"href":"https:\/\/newsashgabat.com\/index.php?rest_route=\/wp\/v2\/posts\/22316"}],"collection":[{"href":"https:\/\/newsashgabat.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/newsashgabat.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/newsashgabat.com\/index.php?rest_route=\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/newsashgabat.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=22316"}],"version-history":[{"count":1,"href":"https:\/\/newsashgabat.com\/index.php?rest_route=\/wp\/v2\/posts\/22316\/revisions"}],"predecessor-version":[{"id":22317,"href":"https:\/\/newsashgabat.com\/index.php?rest_route=\/wp\/v2\/posts\/22316\/revisions\/22317"}],"wp:attachment":[{"href":"https:\/\/newsashgabat.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=22316"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/newsashgabat.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=22316"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/newsashgabat.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=22316"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
\nHalkara ynsanperwer ylymlary we \u00f6s\u00fc\u015f uniwersitetini\u0148 talyby.<\/em><\/strong><\/p>\n
\nHalkara ynsanperwer ylymlary we \u00f6s\u00fc\u015f uniwersitetini\u0148 Mali\u00fde kafedrasyny\u0148 mugallymy.<\/em><\/strong><\/p>\n