{"id":5749,"date":"2025-06-15T08:27:16","date_gmt":"2025-06-15T04:27:16","guid":{"rendered":"https:\/\/jsnet.biz\/?p=5749"},"modified":"2025-07-07T17:01:42","modified_gmt":"2025-07-07T13:01:42","slug":"cbdc-izah-etdi-ki-pulunuz-h%c9%99qiq%c9%99t%c9%99n-bit%c9%99-bil%c9%99rmi","status":"publish","type":"post","link":"https:\/\/jsnet.biz\/az\/cbdc-izah-etdi-ki-pulunuz-h%c9%99qiq%c9%99t%c9%99n-bit%c9%99-bil%c9%99rmi\/","title":{"rendered":"CBDC n\u0259dir?"},"content":{"rendered":"
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CBDC<\/strong> (M\u0259rk\u0259zi Bank R\u0259q\u0259msal Valyutas\u0131) \u00f6lk\u0259nin bir m\u0259rk\u0259zi bank\u0131 t\u0259r\u0259find\u0259n burax\u0131lan v\u0259 d\u0259st\u0259kl\u0259n\u0259n r\u0259q\u0259msal formada olan r\u0259smi valyutad\u0131r. Bitcoin kimi kriptovalyutalardan f\u0259rqli olaraq, CBDC-l\u0259r m\u0259rk\u0259zl\u0259\u015fdirilmi\u015fdir, idar\u0259 n\u0259zar\u0259ti v\u0259 valyuta milli valyutaya 1:1 nisb\u0259tind\u0259 ba\u011fl\u0131d\u0131r ki, bu da sabitliyi t\u0259min edir. Onun maliyy\u0259 sisteml\u0259rini modernl\u0259\u015fdirm\u0259, maliyy\u0259 inkl\u00fczivliyini art\u0131rmaq v\u0259 \u00f6d\u0259m\u0259 qabiliyy\u0259tini yax\u015f\u0131la\u015fd\u0131rmaqd\u0131r.<\/p>\n

\u018fsas n\u00fcmun\u0259l\u0259ri:<\/p>\n

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    P\u0259r\u0259k\u0259nd\u0259 CBDC<\/strong>: G\u00fcnd\u0259lik \u0259m\u0259liyyatlar \u00fc\u00e7\u00fcn riskl\u0259rd\u0259n istifad\u0259 olunur (na\u011fd bank depozitl\u0259ri kimi), banklar v\u0259 ya r\u0259q\u0259msal c\u00fczdanlar.<\/p>\n<\/li>\n

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    Topdan CBDC<\/strong>: Banklar aras\u0131 \u0259laq\u0259l\u0259r v\u0259 ya b\u00f6y\u00fck hesabl\u0131 \u0259m\u0259liyyatlar \u00fc\u00e7\u00fcn institutlar \u00fc\u00e7\u00fcn v\u0259sait istifad\u0259 olunur.<\/p>\n<\/li>\n<\/ul>\n

    \u00dcmumi v\u0259ziyy\u0259t (2025-ci ilin iyun ay\u0131na olan m\u0259lumat):<\/p>\n

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      134 \u00f6lk\u0259<\/strong> (d\u00fcnya \u00dcDM-in 98%-i) CBDC-l\u0259ri ara\u015fd\u0131r\u0131r.<\/p>\n<\/li>\n

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      11 \u00f6lk\u0259<\/strong> tam i\u015f\u0259 sal\u0131b, kimi, Baham adalar\u0131 (Sand Dollar), Yamayka (JamDex), Nigeriya (e-Naira) v\u0259 \u00c7in (e-CNY).<\/p>\n<\/li>\n

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      44 \u00f6lk\u0259<\/strong> pilot layih\u0259l\u0259r apar\u0131r (Braziliya, Hindistan, Avropa \u0130ttifaq\u0131 kimi).<\/p>\n<\/li>\n

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      \u00c7in'in e-CNY<\/strong>-si \u0259n b\u00f6y\u00fck pilotdur, 2024-c\u00fc ilin iyununa q\u0259d\u0259r 7 trilyon yuan (986 milyard dollar) h\u0259cmind\u0259 \u0259m\u0259liyyatla.<\/p>\n<\/li>\n

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      AB\u015e<\/strong> ara\u015fd\u0131rma apar\u0131r, lakin icaz\u0259siz CBDC buraxmaq plan\u0131 yoxdur.<\/p>\n<\/li>\n

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      Avropa \u0130ttifaq\u0131<\/strong> r\u0259q\u0259msal avro \u00fc\u00e7\u00fcn haz\u0131rl\u0131q haz\u0131rd\u0131r.<\/p>\n<\/li>\n<\/ul>\n

      \u00dcst\u00fcnl\u00fckl\u0259ri:<\/p>\n

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        Maliyy\u0259 inkl\u00fczivliyi<\/strong>: Bank xidm\u0259tl\u0259rind\u0259n istifad\u0259 etm\u0259y\u0259n insanlara r\u0259q\u0259msal \u00f6d\u0259ni\u015f imkan\u0131 verir.<\/p>\n<\/li>\n

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        S\u0259m\u0259r\u0259lilik<\/strong>: \u018fm\u0259liyyat idar\u0259ni azald\u0131r v\u0259 \u00f6d\u0259ni\u015fl\u0259ri s\u00fcr\u0259tl\u0259ndirir.<\/p>\n<\/li>\n

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        T\u0259hl\u00fck\u0259sizlik<\/strong>: Saxtakarl\u0131\u011f\u0131n qar\u015f\u0131s\u0131n\u0131 almaq \u00fc\u00e7\u00fcn kriptoqrafik \u00fcsullardan istifad\u0259 edilir.<\/p>\n<\/li>\n

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        Monetar siyas\u0259t<\/strong>: M\u0259rk\u0259zi banklara pul t\u0259klifi daha yax\u015f\u0131 n\u0259zar\u0259t imkan\u0131 verir.<\/p>\n<\/li>\n<\/ul>\n

        Narahatl\u0131qlar:<\/p>\n

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          M\u0259xfilik<\/strong>: \u0130zl\u0259nil\u0259 bil\u0259n \u0259m\u0259liyyatlar h\u00f6kum\u0259t n\u0259zar\u0259tin\u0259 yol a\u00e7a bil\u0259r.<\/p>\n<\/li>\n

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          N\u0259zar\u0259t<\/strong>: Proqramla\u015fd\u0131r\u0131la bil\u0259n CBDC-l\u0259r x\u0259rcl\u0259rin aradan qald\u0131r\u0131lmas\u0131 v\u0259 ya vaxt t\u0259l\u0259bl\u0259ri t\u0259tbiq edil\u0259 bil\u0259r.<\/p>\n<\/li>\n

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          Maliyy\u0259 sistemi<\/strong>: Bank depozitl\u0259rini azalda bil\u0259r, kredit \u0259l\u00e7atanl\u0131\u011f\u0131na t\u0259sir ed\u0259 bil\u0259r.<\/p>\n<\/li>\n

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          Kiber t\u0259hl\u00fck\u0259sizlik<\/strong>: R\u0259q\u0259msal infrastruktur h\u00fccumlara qar\u015f\u0131 g\u00fccl\u00fc olmal\u0131d\u0131r.<\/p>\n<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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          <\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

          CBDC (M\u0259rk\u0259zi Bank R\u0259q\u0259msal Valyutas\u0131) bir \u00f6lk\u0259nin m\u0259rk\u0259zi bank\u0131 t\u0259r\u0259find\u0259n q\u0259bul edilmi\u015f v\u0259 r\u0259q\u0259msal formada olan r\u0259smi valyutad\u0131r. Bitcoin kimi kriptovalyutalardan f\u0259rqli olaraq, CBDC-l\u0259r m\u0259rk\u0259zl\u0259\u015fdirilmi\u015fdir, idar\u0259 n\u0259zar\u0259ti v\u0259 valyuta milli valyutaya 1:1 nisb\u0259tind\u0259 ba\u011fl\u0131d\u0131r ki, bu da sabitliyi t\u0259min edir. Onun maliyy\u0259 sisteml\u0259rini modernl\u0259\u015fdirm\u0259, maliyy\u0259 inkl\u00fczivliyini art\u0131rmaq v\u0259 \u00f6d\u0259ni\u015fini yax\u015f\u0131la\u015fd\u0131rmaqd\u0131r. \u018fsas n\u00fcmun\u0259l\u0259ri: [\u2026]<\/p>","protected":false},"author":1,"featured_media":5750,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-5749","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/jsnet.biz\/az\/wp-json\/wp\/v2\/posts\/5749","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jsnet.biz\/az\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/jsnet.biz\/az\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/jsnet.biz\/az\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/jsnet.biz\/az\/wp-json\/wp\/v2\/comments?post=5749"}],"version-history":[{"count":0,"href":"https:\/\/jsnet.biz\/az\/wp-json\/wp\/v2\/posts\/5749\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jsnet.biz\/az\/wp-json\/wp\/v2\/media\/5750"}],"wp:attachment":[{"href":"https:\/\/jsnet.biz\/az\/wp-json\/wp\/v2\/media?parent=5749"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jsnet.biz\/az\/wp-json\/wp\/v2\/categories?post=5749"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jsnet.biz\/az\/wp-json\/wp\/v2\/tags?post=5749"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}