{"id":627011,"date":"2023-08-31T18:20:31","date_gmt":"2023-08-31T14:20:31","guid":{"rendered":"https:\/\/arantv.az\/?p=627011"},"modified":"2023-08-31T18:20:31","modified_gmt":"2023-08-31T14:20:31","slug":"az%c9%99rbaycanda-yeni-sigorta-novl%c9%99ri-niy%c9%99-yaradilmir","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=627011","title":{"rendered":"Az\u0259rbaycanda yeni s\u0131\u011forta n\u00f6vl\u0259ri niy\u0259 yarad\u0131lm\u0131r?"},"content":{"rendered":"<p>Az\u0259rbaycanda uzun ill\u0259rdir ki, yeni s\u0131\u011forta n\u00f6vl\u0259ri yarad\u0131lm\u0131r.<\/p>\n<p>Halbuki, Nazirl\u0259r Kabinetinin 21 may 2019-cu il tarixli s\u0259r\u0259ncam\u0131 il\u0259 t\u0259sdiq edilmi\u015f \u201cS\u0131\u011forta sektorunun inki\u015faf etdirilm\u0259si \u00fc\u00e7\u00fcn g\u00f6r\u00fclm\u0259li i\u015fl\u0259rl\u0259 ba\u011fl\u0131 T\u0259dbirl\u0259r Plan\u0131\u201dnda \u00f6lk\u0259d\u0259 yeni s\u0131\u011forta n\u00f6vl\u0259rinin yarad\u0131lmas\u0131 n\u0259z\u0259rd\u0259 tutulub.<\/p>\n<p>\u0130nki\u015faf etmi\u015f \u00f6lk\u0259l\u0259rin t\u0259cr\u00fcb\u0259si is\u0259 g\u00f6st\u0259rir ki, az qala h\u0259r il yeni s\u0131\u011forta n\u00f6v\u00fc formala\u015fd\u0131rmaq v\u0259 u\u011furla t\u0259tbiq etm\u0259k m\u00fcmk\u00fcnd\u00fcr. B\u0259s Az\u0259rbaycan beyn\u0259lxalq t\u0259cr\u00fcb\u0259d\u0259n niy\u0259 faydalanm\u0131r? \u00d6lk\u0259d\u0259 yeni s\u0131\u011forta n\u00f6vl\u0259rinin yarad\u0131lmas\u0131na n\u0259 mane olur? \u201cReport\u201d bu m\u0259s\u0259l\u0259y\u0259 ayd\u0131nl\u0131q g\u0259tirm\u0259y\u0259 \u00e7al\u0131\u015f\u0131b.<\/p>\n<p>S\u0131\u011forta bazar\u0131 \u00fczr\u0259 ekspert\u00a0Kamran Babayev\u00a0hesab edir ki, Az\u0259rbaycan\u0131n s\u0131\u011forta bazar\u0131, maliyy\u0259 xidm\u0259ti istehlak\u00e7\u0131lar\u0131 yeni s\u0131\u011forta n\u00f6vl\u0259rini q\u0259bul etm\u0259y\u0259 haz\u0131r deyil:<\/p>\n<p>\u201cBeyn\u0259lxalq t\u0259cr\u00fcb\u0259d\u0259 bir \u00e7ox s\u0131\u011forta n\u00f6vl\u0259ri var ki, bu g\u00fcn Az\u0259rbaycanda yoxdur. Onlar\u0131n \u00f6lk\u0259d\u0259 t\u0259tbiqi \u00fc\u00e7\u00fcn yerli s\u0131\u011forta \u015firk\u0259tl\u0259rinin t\u0259\u015f\u0259bb\u00fcs\u00fc olmal\u0131d\u0131r. Amma c\u0259miyy\u0259tin s\u0131\u011forta bazar\u0131na inam\u0131 azd\u0131r v\u0259 y\u0259ni s\u0131\u011forta n\u00f6vl\u0259rin\u0259 ehtiyac duymur. Halbuki, bir ne\u00e7\u0259 s\u0131\u011forta n\u00f6v\u00fc var ki, onlar\u0131 Az\u0259rbaycanda t\u0259tbiq etm\u0259k olar. M\u0259s\u0259l\u0259n, Avropa \u00f6lk\u0259l\u0259rind\u0259 kiberh\u00fccumlardan s\u0131\u011forta s\u00fcr\u0259tl\u0259 yay\u0131lmaqdad\u0131r. H\u0259m\u00e7inin direktorun m\u0259suliyy\u0259t s\u0131\u011fortas\u0131 \u00e7ox sat\u0131lan s\u0131\u011forta n\u00f6v\u00fcd\u00fcr. \u015eirk\u0259t direktorlar\u0131 \u00f6zl\u0259rini s\u0259hv etm\u0259kd\u0259n s\u0131\u011fortalay\u0131r. \u015eirk\u0259tin sahibl\u0259ri da bunu bilir v\u0259 \u00f6zl\u0259rini s\u0131\u011fortal\u0131 hiss edirl\u0259r. Bu s\u0131\u011forta n\u00f6v\u00fc bizd\u0259 yarad\u0131lsa, yax\u015f\u0131 olard\u0131\u201d.<\/p>\n<p>\u201cH\u0259r bir s\u0131\u011forta m\u0259hsulunu bazara t\u0259klif etm\u0259zd\u0259n \u0259vv\u0259l ara\u015fd\u0131rma aparmaq laz\u0131md\u0131r. V\u0259t\u0259nda\u015flar bu m\u0259hsulu niy\u0259 almal\u0131d\u0131rlar? M\u0259hsul nec\u0259 sat\u0131lmal\u0131d\u0131r? Bu m\u0259qs\u0259dl\u0259 sat\u0131\u015f kanallar\u0131 olmal\u0131d\u0131r. Az\u0259rbaycanda klassik s\u0131\u011forta n\u00f6vl\u0259ri az-\u00e7ox inki\u015faf ets\u0259 d\u0259, qeyri klassik s\u0131\u011forta n\u00f6vl\u0259rin\u0259 h\u0259l\u0259\u00a0t\u0259l\u0259bat yoxdur\u201d, &#8211; dey\u0259 K.Babayev \u0259lav\u0259 edib.<\/p>\n<p>\u201cAz\u0259rbaycan S\u0131\u011forta\u00e7\u0131lar Assosiasiyas\u0131\u201d (ASA) \u0130ctimai Birliyind\u0259n is\u0259\u00a0\u201cReport\u201dun sor\u011fusuna cavab olaraq bildirib ki, Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131 (AMB) v\u0259 ASA-n\u0131n t\u0259\u015f\u0259bb\u00fcsl\u0259ri il\u0259 inki\u015faf etmi\u015f \u00f6lk\u0259l\u0259rin s\u0131\u011forta t\u0259cr\u00fcb\u0259si, el\u0259c\u0259 d\u0259 onlar\u0131n s\u0131\u011forta m\u0259hsulu siyas\u0259tl\u0259ri yax\u0131ndan izl\u0259nilir v\u0259 \u00f6yr\u0259nilir:<\/p>\n<p>\u201cHaz\u0131rk\u0131 m\u0259qamda yerli s\u0131\u011forta bazar\u0131n\u0131n t\u0259klif etdiyi s\u0131\u011forta m\u0259hsullar\u0131n\u0131n say v\u0259 \u00e7e\u015fidlilik s\u0259viyy\u0259si \u0259hat\u0259li v\u0259 kifay\u0259t q\u0259d\u0259rdir. \u0130st\u0259r AMB, ist\u0259rs\u0259 d\u0259 ASA s\u0131\u011forta m\u0259hsulu siyas\u0259tin\u0259 daim \u00f6n\u0259m verir, diqq\u0259td\u0259 saxlay\u0131r, bununla ba\u011fl\u0131 m\u00fct\u0259madi ara\u015fd\u0131rmalar apar\u0131r. \u018fld\u0259 olunan n\u0259tic\u0259l\u0259r t\u0259l\u0259b-t\u0259klif faktoruna, habel\u0259 yerli bazar \u015f\u0259rtl\u0259rin\u0259 uy\u011funla\u015fd\u0131r\u0131lmaqla t\u00f6vsiy\u0259 olunur. Ehtiyac yarand\u0131\u011f\u0131 t\u0259qdird\u0259 h\u0259min m\u0259hsullar dizayn olunaraq bazara \u00e7\u0131xar\u0131l\u0131r. Y\u0259ni bu g\u00fcn yerli s\u0131\u011forta bazar\u0131 i\u015ftirak\u00e7\u0131lar\u0131 yeni s\u0131\u011forta m\u0259hsulu haz\u0131rlamaqdan h\u0259m \u00e7\u0259kinmir, h\u0259m d\u0259 maraql\u0131d\u0131r\u201d.<\/p>\n<p>\u201cASA-n\u0131n m\u00fc\u015fahid\u0259l\u0259rin\u0259 \u0259sas\u0259n, yerli s\u0131\u011forta bazar\u0131 i\u015ftirak\u00e7\u0131lar\u0131n\u0131n intensiv olaraq apard\u0131qlar\u0131 statistik bazar ara\u015fd\u0131rmalar\u0131 v\u0259 daim pe\u015f\u0259karl\u0131qla izl\u0259dikl\u0259ri t\u0259l\u0259b-t\u0259klif siyas\u0259ti n\u0259tic\u0259sind\u0259 bu g\u00fcn s\u0131\u011forta sektorumuzda k\u00f6n\u00fcll\u00fc s\u0131\u011forta n\u00f6vl\u0259ri \u00fczr\u0259 m\u0259hsul \u00e7e\u015fidliliyi kifay\u0259t q\u0259d\u0259r geni\u015f v\u0259 \u0259hat\u0259lidir. D\u00fcnya s\u0131\u011forta bazarlar\u0131nda oldu\u011fu kimi, yerli s\u0131\u011forta bazar\u0131nda da yeni s\u0131\u011forta m\u0259hsullar\u0131n\u0131n t\u0259rtib olunub bazara \u00e7\u0131xar\u0131lmas\u0131 sosial-iqtisadi istiqam\u0259td\u0259 qeyd\u0259 al\u0131nan d\u00f6vr\u00fc statistik n\u0259tic\u0259l\u0259r \u00fcz\u0259rind\u0259 apar\u0131lan ara\u015fd\u0131rmalarla v\u0259 n\u0259tic\u0259d\u0259 t\u0259sbit olunan t\u0259l\u0259b-t\u0259klif faktoru il\u0259 bilavasit\u0259 ba\u011fl\u0131d\u0131r. Yerli s\u0131\u011forta bazar\u0131 i\u015ftirak\u00e7\u0131lar\u0131n\u0131n t\u0259klifl\u0259rin\u0259 n\u0259z\u0259r salsaq g\u00f6r\u00fcr\u00fck ki, t\u0259klif olunan k\u00f6n\u00fcll\u00fc m\u0259hsullar\u0131n d\u00f6vr\u00fcn t\u0259l\u0259bl\u0259rin\u0259 uy\u011funla\u015fmas\u0131, habel\u0259 m\u00fcvafiq m\u0259hsullarla ba\u011fl\u0131 t\u0259klif olunan kampaniyalar s\u0131\u011forta xidm\u0259tl\u0259rinin say\u0131n\u0131n art\u0131r\u0131lmas\u0131na, o c\u00fcml\u0259d\u0259n b\u00fct\u00fcn \u0259hali t\u0259b\u0259q\u0259l\u0259rinin s\u0131\u011fortaya \u0259l\u00e7atanl\u0131\u011f\u0131n\u0131n t\u0259min olunmas\u0131na hesablan\u0131b\u201d, &#8211; dey\u0259 a\u00e7\u0131qlamada qeyd olunub.<\/p>\n<p>Haz\u0131rda Az\u0259rbaycan\u0131n s\u0131\u011forta bazar\u0131nda 5 icbari, 30 k\u00f6n\u00fcll\u00fc s\u0131\u011forta n\u00f6v\u00fc t\u0259klif olunur. H\u0259r bir icbari s\u0131\u011forta n\u00f6v\u00fc \u00f6z-\u00f6zl\u00fcy\u00fcnd\u0259 s\u0131\u011forta m\u0259hsulu olsa da, h\u0259r bir k\u00f6n\u00fcll\u00fc s\u0131\u011forta n\u00f6v\u00fc \u00fczr\u0259 t\u0259klif olunan m\u0259hsul \u00e7e\u015fidliliyi m\u00f6vcuddur. Bel\u0259 ki, s\u0131\u011forta \u015firk\u0259tl\u0259ri bu g\u00fcn bir k\u00f6n\u00fcll\u00fc s\u0131\u011forta n\u00f6v\u00fc \u00fczr\u0259 bir ne\u00e7\u0259 s\u0131\u011forta m\u0259hsulu t\u0259klif ed\u0259 bilirl\u0259r.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Az\u0259rbaycanda uzun ill\u0259rdir ki, yeni s\u0131\u011forta n\u00f6vl\u0259ri yarad\u0131lm\u0131r. Halbuki, Nazirl\u0259r Kabinetinin 21 may 2019-cu il tarixli s\u0259r\u0259ncam\u0131 il\u0259 t\u0259sdiq edilmi\u015f \u201cS\u0131\u011forta sektorunun inki\u015faf etdirilm\u0259si \u00fc\u00e7\u00fcn g\u00f6r\u00fclm\u0259li i\u015fl\u0259rl\u0259 ba\u011fl\u0131 T\u0259dbirl\u0259r Plan\u0131\u201dnda \u00f6lk\u0259d\u0259 yeni s\u0131\u011forta n\u00f6vl\u0259rinin yarad\u0131lmas\u0131 n\u0259z\u0259rd\u0259 tutulub. \u0130nki\u015faf etmi\u015f \u00f6lk\u0259l\u0259rin t\u0259cr\u00fcb\u0259si is\u0259 g\u00f6st\u0259rir ki, az qala h\u0259r il yeni s\u0131\u011forta n\u00f6v\u00fc formala\u015fd\u0131rmaq v\u0259 u\u011furla t\u0259tbiq etm\u0259k m\u00fcmk\u00fcnd\u00fcr. B\u0259s Az\u0259rbaycan beyn\u0259lxalq t\u0259cr\u00fcb\u0259d\u0259n niy\u0259 faydalanm\u0131r? \u00d6lk\u0259d\u0259 yeni s\u0131\u011forta n\u00f6vl\u0259rinin yarad\u0131lmas\u0131na n\u0259 mane olur? \u201cReport\u201d bu m\u0259s\u0259l\u0259y\u0259 ayd\u0131nl\u0131q g\u0259tirm\u0259y\u0259 \u00e7al\u0131\u015f\u0131b. S\u0131\u011forta bazar\u0131 \u00fczr\u0259 ekspert\u00a0Kamran Babayev\u00a0hesab edir ki, Az\u0259rbaycan\u0131n s\u0131\u011forta bazar\u0131, maliyy\u0259 xidm\u0259ti istehlak\u00e7\u0131lar\u0131&hellip;<\/p>\n","protected":false},"author":2,"featured_media":627013,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0},"categories":[19],"tags":[],"aioseo_notices":[],"gutentor_comment":0,"rttpg_featured_image_url":{"full":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/08\/audit-fraud_PXFH.jpg",620,413,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/08\/audit-fraud_PXFH.jpg",620,413,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/08\/audit-fraud_PXFH.jpg",620,413,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/08\/audit-fraud_PXFH-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/08\/audit-fraud_PXFH-548x365.jpg",548,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/08\/audit-fraud_PXFH.jpg",620,413,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/08\/audit-fraud_PXFH.jpg",620,413,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/08\/audit-fraud_PXFH.jpg",620,413,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/08\/audit-fraud_PXFH-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/08\/audit-fraud_PXFH.jpg",620,413,false]},"rttpg_author":{"display_name":"V\u00fcsal Rafiqo\u011flu","author_link":"https:\/\/arantv.az\/?author=2"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/arantv.az\/?cat=19\" rel=\"category\">G\u00fcnd\u0259m<\/a>","rttpg_excerpt":"Az\u0259rbaycanda uzun ill\u0259rdir ki, yeni s\u0131\u011forta n\u00f6vl\u0259ri yarad\u0131lm\u0131r. Halbuki, Nazirl\u0259r Kabinetinin 21 may 2019-cu il tarixli s\u0259r\u0259ncam\u0131 il\u0259 t\u0259sdiq edilmi\u015f \u201cS\u0131\u011forta sektorunun inki\u015faf etdirilm\u0259si \u00fc\u00e7\u00fcn g\u00f6r\u00fclm\u0259li i\u015fl\u0259rl\u0259 ba\u011fl\u0131 T\u0259dbirl\u0259r Plan\u0131\u201dnda \u00f6lk\u0259d\u0259 yeni s\u0131\u011forta n\u00f6vl\u0259rinin yarad\u0131lmas\u0131 n\u0259z\u0259rd\u0259 tutulub. \u0130nki\u015faf etmi\u015f \u00f6lk\u0259l\u0259rin t\u0259cr\u00fcb\u0259si is\u0259 g\u00f6st\u0259rir ki, az qala h\u0259r il yeni s\u0131\u011forta n\u00f6v\u00fc formala\u015fd\u0131rmaq v\u0259 u\u011furla t\u0259tbiq&hellip;","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/627011"}],"collection":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=627011"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/627011\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/627013"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=627011"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=627011"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=627011"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}