{"id":679045,"date":"2024-01-12T08:42:29","date_gmt":"2024-01-12T04:42:29","guid":{"rendered":"https:\/\/arantv.az\/?p=679045"},"modified":"2024-01-12T08:42:29","modified_gmt":"2024-01-12T04:42:29","slug":"oz%c9%99l-pensiya-fondu-ustunlukl%c9%99ri-v%c9%99-riskl%c9%99ri-n%c9%99l%c9%99rdir","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=679045","title":{"rendered":"\u00d6z\u0259l pensiya fondu – \u00fcst\u00fcnl\u00fckl\u0259ri v\u0259 riskl\u0259ri n\u0259l\u0259rdir?"},"content":{"rendered":"

Q\u0259rb praktikas\u0131nda i\u015f\u00e7ini i\u015f\u0259 g\u00f6t\u00fcr\u0259rk\u0259n \u00f6z\u0259l pensiya sxemi d\u0259 t\u0259klif olunur<\/strong><\/h3>\n

Az\u0259rbaycanda \u00f6z\u0259l pensiya fondunun yarad\u0131lmas\u0131 il\u0259 ba\u011fl\u0131 normativ s\u0259n\u0259dl\u0259rin haz\u0131rlanmas\u0131 tam yekunla\u015f\u0131b. Bunu D\u00f6vl\u0259t Sosial M\u00fcdafi\u0259 Fondunun s\u0259dri Himalay M\u0259mi\u015fov qurumun 2023-c\u00fc il \u00fczr\u0259 hesabat t\u0259dbirind\u0259 deyib. O bildirib ki, s\u0259n\u0259dl\u0259r raz\u0131la\u015fd\u0131r\u0131lmas\u0131 \u00fc\u00e7\u00fcn bir ay \u0259rzind\u0259 d\u00f6vl\u0259t qurumlar\u0131na g\u00f6nd\u0259ril\u0259c\u0259k.<\/p>\n

B\u0259s \u00f6z\u0259l pensiya fondu n\u0259dir? Bu c\u00fcr fondun yarad\u0131lmas\u0131 Az\u0259rbaycan \u00fc\u00e7\u00fcn n\u0259l\u0259r v\u0259d edir? Onun \u00fcst\u00fcnl\u00fckl\u0259ri v\u0259 riskl\u0259ri n\u0259l\u0259rdir?<\/p>\n

Qeyd ed\u0259k ki, pensiya t\u0259minat\u0131n\u0131n \u00f6z\u0259l fondlar vasit\u0259sil\u0259 h\u0259yata ke\u00e7irilm\u0259si d\u00fcnyada geni\u015f yay\u0131lan bir praktikad\u0131r.\u00a0 Haz\u0131rda Almaniya, B\u00f6y\u00fck Britaniya, \u0130rlandiya, T\u00fcrkiy\u0259 v\u0259 s. \u00f6lk\u0259l\u0259rd\u0259 \u00f6z\u0259l t\u0259qa\u00fcd fondlar\u0131 f\u0259aliyy\u0259t g\u00f6st\u0259rir. \u00d6lk\u0259l\u0259r f\u0259rqli oldu\u011fu kimi, \u00f6z\u0259l pensiya fondlar\u0131n\u0131n f\u0259aliyy\u0259ti d\u0259 f\u0259rqli qaydalarla t\u0259nziml\u0259nir. Pensiya t\u0259minat\u0131 sistemind\u0259 \u015fax\u0259l\u0259ndirm\u0259 v\u0259t\u0259nda\u015flar \u00fc\u00e7\u00fcn se\u00e7im imkan\u0131 yarad\u0131r.<\/p>\n

\u00d6z\u0259l pensiya fondlar\u0131 sosial s\u0131\u011forta v\u0259saitl\u0259rinin d\u00f6vr etdirilm\u0259sini, pensiyan\u0131n t\u0259yinini v\u0259 \u00f6d\u0259nilm\u0259sini h\u0259yata ke\u00e7ir\u0259n bir qurum kimi formala\u015fd\u0131r\u0131l\u0131r. D\u00f6vl\u0259t pensiya fondlar\u0131ndan f\u0259rqli olaraq \u00f6z\u0259l pensiya fondu \u0259halinin \u00f6z qazanc\u0131 hesab\u0131na y\u0131\u011fd\u0131\u011f\u0131 t\u0259qa\u00fcdl\u0259rin saxlanmas\u0131 \u00fc\u00e7\u00fcn yarad\u0131lan bazad\u0131r. Bu fondlar \u0259sas\u0259n v\u0259t\u0259nda\u015flar\u0131n \u00f6d\u0259diyi sosial s\u0131\u011forta v\u0259saitl\u0259rinin d\u00f6vriyy\u0259sini t\u0259\u015fkil edib, ondan \u0259lav\u0259 v\u0259saitl\u0259r qazan\u0131r. Sonra is\u0259 bu v\u0259saitl\u0259r hesab\u0131na pensiya t\u0259minat\u0131n\u0131 y\u00fcks\u0259ldir. Ekspertl\u0259r qeyd edir ki, qeyri-d\u00f6vl\u0259t pensiya fondlar\u0131n\u0131n yaranmas\u0131 pensiya s\u0131\u011forta sistemind\u0259 r\u0259qab\u0259ti formala\u015fad\u0131rmaqla yana\u015f\u0131 DSMF-nin d\u00f6vl\u0259t b\u00fcdc\u0259sinin transfertl\u0259rind\u0259n as\u0131l\u0131l\u0131\u011f\u0131n\u0131 da azalda bil\u0259r.<\/p>\n

\"V\u00fcqar<\/p>\n

V\u00fcqar Bayramov<\/strong><\/p>\n

Milli M\u0259clisin deputat\u0131, iqtisad\u00e7\u0131 V\u00fcqar Bayramovun fikrinc\u0259, Az\u0259rbaycanda \u00f6z\u0259l pensiya fondunun yarad\u0131lmas\u0131nda \u0259sas m\u0259qs\u0259d v\u0259t\u0259nda\u015fa h\u0259m d\u00f6vl\u0259t, h\u0259m d\u0259 \u00f6z\u0259l fondlar vasit\u0259si il\u0259 \u00f6d\u0259ni\u015f etm\u0259k imkan\u0131 verilm\u0259sidir: \u201cN\u0259tic\u0259 etibar\u0131 il\u0259 bu, imkan ver\u0259 bil\u0259r ki, v\u0259t\u0259nda\u015f d\u00f6vl\u0259t t\u0259r\u0259find\u0259n veril\u0259n pensiyas\u0131 il\u0259 yana\u015f\u0131 \u00f6z\u0259l fonddan veril\u0259c\u0259k y\u0131\u011f\u0131mlara malik olsun. Bu da v\u0259t\u0259nda\u015flar\u0131m\u0131z\u0131n iki m\u0259nb\u0259d\u0259n pensiya alma\u011f\u0131na g\u0259tirib \u00e7\u0131xaracaq.<\/strong><\/p>\n

Fondlar\u0131n yarad\u0131lmas\u0131 birm\u0259nal\u0131 \u015f\u0259kild\u0259 v\u0259t\u0259nda\u015flar \u00fc\u00e7\u00fcn alternativ y\u0131\u011f\u0131m imkan\u0131 dem\u0259kdir”.<\/p>\n

V\u00fcqar Bayramov h\u0259m\u00e7inin qeyd edib ki, eyni zamanda fondlar f\u0259aliyy\u0259t\u0259 ba\u015flad\u0131qdan sonra pensiya\u00e7\u0131lar\u0131n pensiya m\u0259bl\u0259\u011finin art\u0131mlar\u0131 il\u0259 m\u00fc\u015fahid\u0259 olunacaq.<\/p>\n

\u0130qtisadi v\u0259 Sosial Ara\u015fd\u0131rmalara Yard\u0131m \u0130ctimai Birliyinin s\u0259dri Eyyub K\u0259rimli m\u00f6vzu il\u0259 ba\u011fl\u0131 \u201cYeni M\u00fcsavat\u201da dan\u0131\u015f\u0131b. Ekspert xat\u0131rlad\u0131b ki, d\u00fcnya t\u0259cr\u00fcb\u0259sind\u0259 \u00f6z\u0259l pensiya fondlar\u0131 geni\u015f t\u0259tbiq olunur: \u201cBu, s\u00f6zs\u00fcz ki, t\u0259qa\u00fcd\u00e7\u00fcl\u0259rin h\u00fcquqlar\u0131n\u0131n qorunmas\u0131 \u00fc\u00e7\u00fcn v\u0259 g\u0259l\u0259c\u0259kd\u0259 daha \u00e7ox t\u0259qa\u00fcd almas\u0131 \u00fc\u00e7\u00fcn m\u00fcsb\u0259t t\u0259cr\u00fcb\u0259dir. V\u0259 bu t\u0259cr\u00fcb\u0259d\u0259n b\u0259hr\u0259l\u0259nm\u0259k \u00fc\u00e7\u00fcn hesab edir\u0259m ki, \u00f6lk\u0259mizd\u0259 d\u0259 t\u0259tbiq olunmas\u0131 m\u00fcsb\u0259t n\u0259tic\u0259l\u0259r ver\u0259 bil\u0259r.<\/p>\n

Bunun bir ne\u00e7\u0259 m\u0259nfi v\u0259 m\u00fcsb\u0259t x\u00fcsusiyy\u0259tl\u0259ri var. M\u00fcsb\u0259t x\u00fcsusiyy\u0259t odur ki, t\u0259qa\u00fcd\u00e7\u00fcl\u0259r \u00f6z t\u0259qa\u00fcdl\u0259rini hans\u0131sa \u00f6z\u0259l pensiya fonduna h\u0259val\u0259 etm\u0259kl\u0259 g\u0259l\u0259c\u0259kd\u0259 pensiya alanda daha \u00e7ox v\u0259sait \u0259ld\u0259 edirl\u0259r. Bel\u0259 ki, h\u0259min pensiya fondlar\u0131 b\u0259z\u0259n h\u0259min y\u0131\u011f\u0131lan pensiya m\u0259bl\u0259\u011fl\u0259rin\u0259 \u0259lav\u0259 faizl\u0259r t\u0259tbiq edir v\u0259 bu g\u0259l\u0259c\u0259kd\u0259 bank depoziti kimi bir\u00a0 formada \u0259lav\u0259 faizl\u0259r al\u0131r, do\u011frudur uzun m\u00fcdd\u0259td\u0259n sonra.<\/p>\n

H\u0259m\u00e7inin \u00f6z\u0259l pensiya fondlar\u0131 d\u00f6vl\u0259tin sosial y\u00fck\u00fcn\u00fc azald\u0131r. Bel\u0259 ki, m\u0259lum oldu\u011fu kimi, \u00f6lk\u0259mizd\u0259 Sosial M\u00fcdafi\u0259 Fondu yaln\u0131z d\u00f6vl\u0259tin n\u0259zar\u0259tind\u0259dir v\u0259 h\u0259r hans\u0131sa art\u0131m d\u00f6vl\u0259t b\u00fcdc\u0259sind\u0259n maliyy\u0259l\u0259\u015fir, amma \u00f6z\u0259l pensiya fondu \u00f6z\u00fc d\u0259 art\u0131q pensiyalara art\u0131m ed\u0259 bilir.<\/strong><\/p>\n

\u00dc\u00e7\u00fcnc\u00fc m\u0259s\u0259l\u0259, g\u0259l\u0259c\u0259kd\u0259 pensiya kapital\u0131n\u0131n varisliyi t\u0259min edil\u0259 bil\u0259r. Y\u0259ni insan m\u00fcqavil\u0259 \u015f\u0259rtl\u0259rin\u0259 uy\u011fun, tutaq ki, pensiya ya\u015f\u0131na \u00e7atmasa da h\u0259min kapital\u0131 \u00f6z varisl\u0259rin\u0259 \u00f6t\u00fcrm\u0259k imkan\u0131 \u0259ld\u0259 ed\u0259 bilir. Bu, h\u0259m d\u0259 insan h\u00fcquqlar\u0131n\u0131 bir formada t\u0259min edir. Y\u0259ni insan ist\u0259diyi bir pensiya fondunda \u00f6z pensiya y\u0131\u011f\u0131mlar\u0131n\u0131 t\u0259tbiq edir. M\u0259nfi c\u0259h\u0259t odur ki, bu, uzunm\u00fcdd\u0259tli prosesdir. M\u0259s\u0259l\u0259n, \u015f\u0259xs \u00f6z\u0259l fondlarla m\u00fcqavil\u0259 ba\u011flay\u0131r v\u0259 pensiya y\u0131\u011f\u0131m\u0131ndan 30 il sonra b\u0259hr\u0259l\u0259n\u0259 bilir. Amma bu m\u00fcdd\u0259t \u0259rzind\u0259 h\u0259min fondlar\u0131n f\u0259aliyy\u0259ti hans\u0131 formada ba\u015f ver\u0259c\u0259k, \u00fcmumiyy\u0259tl\u0259, h\u0259min fondlar f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259c\u0259k, yoxsa ba\u011flanacaqm\u0131? Hesab edir\u0259m ki, b\u00fct\u00fcn bunlara ciddi d\u00f6vl\u0259t n\u0259zar\u0259ti olmal\u0131d\u0131r ki, insanlar g\u0259l\u0259c\u0259kd\u0259 z\u0259r\u0259r \u00e7\u0259km\u0259sinl\u0259r”.<\/p>\n

\u0130qtisad\u00e7\u0131 ekspert Xalid K\u0259rimli is\u0259 \u00f6z\u0259l pensiya fondunun m\u00fcsb\u0259t x\u00fcsusiyy\u0259tl\u0259ri haqda dan\u0131\u015f\u0131b: \u201c\u00d6z\u0259l pensiya fondu Az\u0259rbaycan \u00fc\u00e7\u00fcn yeni anlay\u0131\u015fd\u0131r. Amma inki\u015faf etmi\u015f \u00f6lk\u0259l\u0259rd\u0259, x\u00fcsus\u0259n Avropa v\u0259 Amerikada bu geni\u015f t\u0259tbiq olunan mexanizmdir.<\/p>\n

Bu insanlara n\u0259 v\u0259d edir?<\/strong><\/p>\n

M\u0259lum oldu\u011fu kimi, i\u015f\u00e7il\u0259rin \u0259m\u0259k haqq\u0131ndan pensiya fonduna icbari \u00f6d\u0259ni\u015fl\u0259r tutulur, sonda d\u00f6vl\u0259t bunun \u0259sas\u0131nda pensiya \u00f6d\u0259yir. \u00d6z\u0259l pensiya fondu is\u0259 bununla paralel v\u0259 k\u00f6n\u00fcll\u00fc \u015f\u0259kild\u0259 ir\u0259li s\u00fcr\u00fcl\u0259n mexanizmdir. Y\u0259ni burada m\u0259cburiyy\u0259t deyil, k\u00f6n\u00fcll\u00fcl\u00fck prinsipi \u00f6n plandad\u0131r. Bu bar\u0259d\u0259 qanunvericilik \u0259saslar\u0131 ortaya \u00e7\u0131xd\u0131qdan sonra daha d\u0259qiq \u015f\u0259rh bildirm\u0259k m\u00fcmk\u00fcn olacaq.<\/p>\n

Q\u0259rb praktikas\u0131nda ad\u0259t\u0259n i\u015f yeri i\u015f\u00e7ini i\u015f\u0259 g\u00f6t\u00fcr\u0259rk\u0259n i\u015f t\u0259klifi paketind\u0259 \u00f6z\u0259l pensiya sxemi d\u0259 t\u0259klif olunur. Amma i\u015f yeri bu t\u0259klifi verm\u0259y\u0259nd\u0259 bel\u0259 i\u015f\u00e7i onu se\u00e7\u0259 bil\u0259r. Y\u0259ni bu m\u0259cburi deyil. Q\u0259rbd\u0259 m\u00fcxt\u0259lif c\u00fcr pensiya planlar\u0131 olur. M\u0259s\u0259l\u0259n, pensiya ya\u015f\u0131na \u00e7atd\u0131qda ya m\u0259bl\u0259\u011f bird\u0259f\u0259lik verilir, ya da \u0259lav\u0259 olaraq stabil b\u00f6l\u00fcn\u00fcr. Y\u0259ni d\u00f6vl\u0259tin verdiyi pensiyadan \u0259lav\u0259 \u00f6z\u0259l pensiya da \u00f6d\u0259nilir. Bunun \u00fcst\u00fcnl\u00fcy\u00fc ondan ibar\u0259tdir ki, bu fond pe\u015f\u0259kar menecerl\u0259r t\u0259r\u0259find\u0259n idar\u0259 olunur v\u0259 \u0259lav\u0259 g\u0259lir d\u0259 v\u0259d edir. Bel\u0259 ki, yat\u0131r\u0131m risksiz al\u0259tl\u0259r\u0259 yat\u0131r\u0131l\u0131r, \u0259lav\u0259 g\u0259lir g\u0259tirilir v\u0259 bu g\u0259lird\u0259n fondun idar\u0259etm\u0259 x\u0259rcl\u0259ri \u00e7\u0131x\u0131ld\u0131qdan sonra qazanc pensiya fondunun i\u015ftirak\u00e7\u0131lar\u0131na qal\u0131r. Y\u0259ni m\u0259vacib passiv qalm\u0131r, istifad\u0259 olunur, amma risksiz formada.<\/p>\n

\u0130qtisadiyyat \u00fc\u00e7\u00fcn faydas\u0131 ondan ibar\u0259tdir ki, \u00f6lk\u0259mizd\u0259 uzunm\u00fcdd\u0259tli kredit g\u00f6t\u00fcrm\u0259k olmur, yaln\u0131z ipoteka krediti m\u00f6vcuddur. Amma \u00f6z\u0259l pensiya fondu uzunm\u00fcdd\u0259tli maliyy\u0259 resurs m\u0259nb\u0259yi formala\u015fd\u0131r\u0131r”.\u00a0<\/strong><\/p>\n

B\u0259zi ekspertl\u0259r \u00f6z\u0259l pensiya fondlar\u0131n\u0131n yarad\u0131lmas\u0131n\u0131n riskl\u0259rind\u0259n dan\u0131\u015fark\u0259n bildirir ki, 2008-ci il maliyy\u0259 b\u00f6hran\u0131ndan sonra d\u00fcnyada bir \u00e7ox \u00f6z\u0259l pensiya fondlar\u0131n\u0131n aktivl\u0259ri d\u0259y\u0259rsizl\u0259\u015fib v\u0259 \u00f6hd\u0259likl\u0259rini yerin\u0259 yetir\u0259 bilm\u0259yibl\u0259r. \u018fks\u0259r \u00f6lk\u0259l\u0259rd\u0259 d\u00f6vl\u0259tin d\u0259st\u0259yi il\u0259 bu fondlar v\u0259t\u0259nda\u015flar qar\u015f\u0131s\u0131nda \u00f6hd\u0259likl\u0259rini yerin\u0259 yetirs\u0259l\u0259r d\u0259, bir s\u0131ra \u00f6lk\u0259l\u0259rd\u0259 bu ba\u015f tutmad\u0131 v\u0259 ciddi probleml\u0259r ortaya \u00e7\u0131xd\u0131.<\/p>\n

Qeyd olunur ki, riskl\u0259rd\u0259n biri d\u0259 Az\u0259rbaycan v\u0259t\u0259nda\u015f\u0131n\u0131n m\u0259s\u0259l\u0259y\u0259 bax\u0131\u015f\u0131d\u0131r. Bel\u0259 ki, v\u0259t\u0259nda\u015flar \u00f6z\u0259l sektora uzunm\u00fcdd\u0259tli d\u00f6vrd\u0259 g\u00fcv\u0259nmirl\u0259r. Baxmayaraq ki, bank sektorunda \u0259man\u0259tl\u0259rin s\u0131\u011fortalanmas\u0131 mexanizmi var. 100 min manata q\u0259d\u0259r \u0259man\u0259tl\u0259r m\u00fc\u0259yy\u0259n \u015f\u0259rtl\u0259r daxilind\u0259 s\u0131\u011fortalan\u0131r. Ancaq yen\u0259 d\u0259 v\u0259t\u0259nda\u015flar \u0259man\u0259tl\u0259rini q\u0131sam\u00fcdd\u0259tli d\u00f6vrd\u0259 yerl\u0259\u015fdirirl\u0259r.<\/p>\n","protected":false},"excerpt":{"rendered":"

Q\u0259rb praktikas\u0131nda i\u015f\u00e7ini i\u015f\u0259 g\u00f6t\u00fcr\u0259rk\u0259n \u00f6z\u0259l pensiya sxemi d\u0259 t\u0259klif olunur Az\u0259rbaycanda \u00f6z\u0259l pensiya fondunun yarad\u0131lmas\u0131 il\u0259 ba\u011fl\u0131 normativ s\u0259n\u0259dl\u0259rin haz\u0131rlanmas\u0131 tam yekunla\u015f\u0131b. Bunu D\u00f6vl\u0259t Sosial M\u00fcdafi\u0259 Fondunun s\u0259dri Himalay M\u0259mi\u015fov qurumun 2023-c\u00fc il \u00fczr\u0259 hesabat t\u0259dbirind\u0259 deyib. O bildirib ki, s\u0259n\u0259dl\u0259r raz\u0131la\u015fd\u0131r\u0131lmas\u0131 \u00fc\u00e7\u00fcn bir ay \u0259rzind\u0259 d\u00f6vl\u0259t qurumlar\u0131na g\u00f6nd\u0259ril\u0259c\u0259k. B\u0259s \u00f6z\u0259l pensiya fondu n\u0259dir? Bu c\u00fcr fondun yarad\u0131lmas\u0131 Az\u0259rbaycan \u00fc\u00e7\u00fcn n\u0259l\u0259r v\u0259d edir? Onun \u00fcst\u00fcnl\u00fckl\u0259ri v\u0259 riskl\u0259ri n\u0259l\u0259rdir? Qeyd ed\u0259k ki, pensiya t\u0259minat\u0131n\u0131n \u00f6z\u0259l fondlar vasit\u0259sil\u0259 h\u0259yata ke\u00e7irilm\u0259si d\u00fcnyada geni\u015f yay\u0131lan bir praktikad\u0131r.\u00a0 Haz\u0131rda Almaniya, B\u00f6y\u00fck Britaniya, \u0130rlandiya, T\u00fcrkiy\u0259…<\/p>\n","protected":false},"author":2,"featured_media":679046,"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\/2024\/01\/b2a496787201687d42a232f7a6772b20.jpg",800,500,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/01\/b2a496787201687d42a232f7a6772b20.jpg",800,500,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/01\/b2a496787201687d42a232f7a6772b20.jpg",800,500,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/01\/b2a496787201687d42a232f7a6772b20-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/01\/b2a496787201687d42a232f7a6772b20-584x365.jpg",584,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/01\/b2a496787201687d42a232f7a6772b20.jpg",640,400,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/01\/b2a496787201687d42a232f7a6772b20.jpg",800,500,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/01\/b2a496787201687d42a232f7a6772b20.jpg",800,500,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/01\/b2a496787201687d42a232f7a6772b20-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/01\/b2a496787201687d42a232f7a6772b20.jpg",800,500,false]},"rttpg_author":{"display_name":"V\u00fcsal Rafiqo\u011flu","author_link":"https:\/\/arantv.az\/?author=2"},"rttpg_comment":0,"rttpg_category":"G\u00fcnd\u0259m<\/a>","rttpg_excerpt":"Q\u0259rb praktikas\u0131nda i\u015f\u00e7ini i\u015f\u0259 g\u00f6t\u00fcr\u0259rk\u0259n \u00f6z\u0259l pensiya sxemi d\u0259 t\u0259klif olunur Az\u0259rbaycanda \u00f6z\u0259l pensiya fondunun yarad\u0131lmas\u0131 il\u0259 ba\u011fl\u0131 normativ s\u0259n\u0259dl\u0259rin haz\u0131rlanmas\u0131 tam yekunla\u015f\u0131b. Bunu D\u00f6vl\u0259t Sosial M\u00fcdafi\u0259 Fondunun s\u0259dri Himalay M\u0259mi\u015fov qurumun 2023-c\u00fc il \u00fczr\u0259 hesabat t\u0259dbirind\u0259 deyib. O bildirib ki, s\u0259n\u0259dl\u0259r raz\u0131la\u015fd\u0131r\u0131lmas\u0131 \u00fc\u00e7\u00fcn bir ay \u0259rzind\u0259 d\u00f6vl\u0259t qurumlar\u0131na g\u00f6nd\u0259ril\u0259c\u0259k. B\u0259s \u00f6z\u0259l pensiya fondu n\u0259dir?…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/679045"}],"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=679045"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/679045\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/679046"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=679045"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=679045"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=679045"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}