H\u0259r k\u0259s h\u0259yat\u0131nda \u0259n az\u0131 bir d\u0259f\u0259 19-cu \u0259srin Amerikas\u0131n\u0131 g\u00f6st\u0259r\u0259n bir film g\u00f6r\u00fcb, burada ki\u00e7ik bir tozlu \u015f\u0259h\u0259r var v\u0259 onun m\u0259rk\u0259zind\u0259 Bank yaz\u0131s\u0131 olan taxta bina y\u00fcks\u0259lir. Hekay\u0259y\u0259 g\u00f6r\u0259, bu sol\u011fun be\u015f k\u00fc\u00e7\u0259li \u015f\u0259h\u0259rcikl\u0259rin h\u0259r biri m\u00fcnt\u0259z\u0259m olaraq quldurlar\u0131n diqq\u0259tini \u00e7\u0259kir v\u0259 banklar h\u0259r g\u00fcn soyulurdu. Bu stereotip say\u0259sind\u0259 bir \u00e7ox insanlar bank\u00e7\u0131l\u0131\u011f\u0131n AB\u015e-da yarand\u0131\u011f\u0131n\u0131 d\u00fc\u015f\u00fcn\u0259 bil\u0259r, lakin bu reall\u0131qdan tamamil\u0259 uzaqd\u0131r.<\/p>\n\n\n\n
Banklar\u0131n tarixi t\u0259svir edil\u0259n hadis\u0259l\u0259rd\u0259n \u00e7ox \u0259vv\u0259l ba\u015flam\u0131\u015fd\u0131r. H\u0259l\u0259 eram\u0131zdan \u0259vv\u0259l 7-ci \u0259srd\u0259 \u00e7i\u00e7\u0259kl\u0259n\u0259n Babild\u0259 faizl\u0259 borc ver\u0259n ilk s\u0259l\u0259m\u00e7il\u0259r var idi. Eyni zamanda q\u0131z\u0131lla eyni d\u0259y\u0259r\u0259 malik olan ilk \u0259skinaslar meydana \u00e7\u0131xd\u0131.<\/p>\n\n\n\n
H\u0259l\u0259 q\u0259dim Misird\u0259 s\u0259l\u0259m\u0259(faizl\u0259) pul ver\u0259nl\u0259r var idi. Ordu v\u0259 h\u0259rbi \u0259m\u0259liyyatlar onsuzda az olan b\u00fcdc\u0259nin b\u00f6y\u00fck bir qismini ald\u0131\u011f\u0131 \u00fc\u00e7\u00fcn Fironlar s\u0259l\u0259m\u00e7il\u0259r\u0259 m\u00fcraci\u0259t edir v\u0259 bir n\u00f6v kredit al\u0131rd\u0131lar.<\/p>\n\n\n\n
\"Bank\" s\u00f6z\u00fcn\u00fcn italyan k\u00f6kl\u0259ri var v\u0259 \"masa\" m\u0259nas\u0131n\u0131 ver\u0259n banco s\u00f6z\u00fcnd\u0259n g\u0259lir. \u018fvv\u0259lc\u0259 banklar \u0259sas\u0259n iri pullar\u0131 x\u0131rda pullara d\u0259yi\u015fir, sikk\u0259l\u0259rl\u0259 v\u0259 dig\u0259r na\u011fd pulla \u0259m\u0259liyyatlar apar\u0131rd\u0131, lakin m\u00fcxt\u0259lif \u00f6lk\u0259l\u0259rin iqtisadiyyat\u0131n\u0131n inki\u015faf\u0131 il\u0259 ilkin banklar g\u00f6st\u0259ril\u0259n xidm\u0259tl\u0259rin siyah\u0131s\u0131n\u0131 xeyli geni\u015fl\u0259ndirdi.<\/p>\n\n\n\n
Q\u0259dim d\u00f6vrl\u0259rd\u0259 inki\u015faf etmi\u015f \u00f6lk\u0259l\u0259rd\u0259 art\u0131q bank sisteml\u0259ri var idi. M\u0259s\u0259l\u0259n, xaldeyl\u0259r (semit tayfalar\u0131) tacirl\u0259r c\u0259miyy\u0259ti yaradaraq, faizl\u0259 borc verir v\u0259 pul k\u00f6\u00e7\u00fcrm\u0259l\u0259rini h\u0259yata ke\u00e7irirdil\u0259r. \u00c7ind\u0259 h\u0259l\u0259 bizim eradan \u0259vv\u0259l bir n\u00f6v \u00e7ek kitab\u00e7as\u0131 t\u0259tbiq olundu; \u015e\u0259rqd\u0259 al\u0131nmaz m\u0259b\u0259dl\u0259r pul anbar\u0131, kahinl\u0259r is\u0259 bankir kimi f\u0259aliyy\u0259t g\u00f6st\u0259rirdil\u0259r.<\/p>\n\n\n\n
\u018fmt\u0259\u0259-pul m\u00fcnasib\u0259tl\u0259rinin v\u0259 kredit-maliyy\u0259 sisteminin inki\u015faf\u0131 il\u0259 kooperasiyan\u0131n bu n\u00f6v\u00fcn\u00fc v\u0259 onun inki\u015faf\u0131n\u0131 nizama salmaq z\u0259rur\u0259ti yarand\u0131, y\u0259ni bank xidm\u0259tl\u0259rinin yaranmas\u0131 \u00fc\u00e7\u00fcn bunlar ilkin \u015f\u0259rtl\u0259r idi. M\u00fcxt\u0259lif \u00f6lk\u0259l\u0259rd\u0259n olan tacirl\u0259r o d\u00f6vr\u00fcn banklar\u0131na gedib \u00f6z \u00f6lk\u0259l\u0259rinin valyutas\u0131n\u0131 yerli valyuta il\u0259 d\u0259yi\u015fdir\u0259, kredit t\u0259l\u0259b ed\u0259 v\u0259 ya pul yat\u0131ra bil\u0259rdil\u0259r.\n\nN\u0259 q\u0259d\u0259r sikay\u0259t ets\u0259k d\u0259 m\u00fcasir d\u00fcnyada ist\u0259r b\u00f6y\u00fck holdingl\u0259rin ist\u0259r ki\u00e7ik v\u0259 orta sahibkar\u0131n, ist\u0259rs\u0259 d\u0259 sad\u0259 v\u0259t\u0259nda\u015flar\u0131n h\u0259yat\u0131n\u0131 banks\u0131z, kreditsiz t\u0259s\u0259vv\u00fcr etm\u0259k m\u00fcmk\u00fcn deyil. Bu g\u00fcn dem\u0259k olar ki ham\u0131n\u0131 kredit kart\u0131 var.<\/p>","protected":false},"excerpt":{"rendered":"
Everyone has at least once in their life seen a movie that shows America in the 19th century, where there is a small dusty town, and in the center of it rises a wooden building with the inscription Bank. According to the story, each of these faded five-street townhouses regularly attracted the attention of robbers, […]<\/p>\n","protected":false},"author":1,"featured_media":3123,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[11],"tags":[35,24,30,36,65,64,60,26,71,47,40,38,29,32,23,56,43,48,49,57,70,28,53,19,20,22,66,41,69,33,54,55,39,42,63,25,51,52,67,68,37,21,31,45,46,58,62,61,59],"class_list":["post-3119","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-digr","tag-1sproqram","tag-accountant","tag-accounting","tag-autsorsinq-muhasibatliq","tag-avis-vergi","tag-avtomatlasdirilmis-vergi-informasiya-sistemi","tag-azerbaycan-respublikasi-vergiler","tag-azn","tag-bank","tag-bicycle","tag-birja","tag-blockchain","tag-bookkeeping","tag-cent","tag-consulting","tag-diyeta","tag-dollar","tag-economy","tag-ekonomiya","tag-fastfood","tag-finance","tag-financial-times","tag-iqtisadiyyat","tag-kapital-bank","tag-kapital-bank-vakansiya","tag-konsaltinq","tag-konsaltinq-shirketi-baki","tag-kripto-valyuta","tag-maliyye","tag-manat","tag-mashin","tag-masin","tag-mezenne","tag-muhasibatliq","tag-netfinance-az","tag-outsourcing","tag-planet","tag-pul","tag-qedim-bank-tarixi","tag-qedim-bank-tarixi-net-finance","tag-socar-ish","tag-socar-vakansiya","tag-tax","tag-valyuta","tag-velosiped","tag-vergi","tag-vergi-ne-qeder-odenilir","tag-vergi-rusumu","tag-verginin-tarixi"],"acf":[],"_links":{"self":[{"href":"https:\/\/netfinance.az\/az\/wp-json\/wp\/v2\/posts\/3119","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/netfinance.az\/az\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/netfinance.az\/az\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/netfinance.az\/az\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/netfinance.az\/az\/wp-json\/wp\/v2\/comments?post=3119"}],"version-history":[{"count":1,"href":"https:\/\/netfinance.az\/az\/wp-json\/wp\/v2\/posts\/3119\/revisions"}],"predecessor-version":[{"id":3120,"href":"https:\/\/netfinance.az\/az\/wp-json\/wp\/v2\/posts\/3119\/revisions\/3120"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/netfinance.az\/az\/wp-json\/wp\/v2\/media\/3123"}],"wp:attachment":[{"href":"https:\/\/netfinance.az\/az\/wp-json\/wp\/v2\/media?parent=3119"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/netfinance.az\/az\/wp-json\/wp\/v2\/categories?post=3119"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/netfinance.az\/az\/wp-json\/wp\/v2\/tags?post=3119"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}