{"id":733076,"date":"2024-06-28T11:51:04","date_gmt":"2024-06-28T07:51:04","guid":{"rendered":"https:\/\/arantv.az\/?p=733076"},"modified":"2024-06-28T11:51:04","modified_gmt":"2024-06-28T07:51:04","slug":"h%c9%99yatimiz-sigorta-il%c9%99-rahat-v%c9%99-goz%c9%99ldir","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=733076","title":{"rendered":"H\u0259yat\u0131m\u0131z s\u0131\u011forta il\u0259 rahat v\u0259 g\u00f6z\u0259ldir"},"content":{"rendered":"<p><em><strong>D\u00fcnyaya g\u00f6z a\u00e7d\u0131\u011f\u0131 g\u00fcnd\u0259n q\u0259bir evin\u0259d\u0259k insan h\u0259yat\u0131n\u0131n h\u0259r an\u0131 risk alt\u0131nda ke\u00e7ir. Art\u0131q \u201cHe\u00e7 kim he\u00e7 n\u0259d\u0259n s\u0131\u011fortalanmay\u0131b\u201d m\u0259\u015fhur deyiminin \u0259ks\u0259r d\u00fcnya xalqlar\u0131n\u0131n leksikonunda v\u0259t\u0259nda\u015fl\u0131q h\u00fcququ qazanmas\u0131 da g\u00f6r\u00fcn\u00fcr el\u0259 bu s\u0259b\u0259bd\u0259ndir. Bu hadis\u0259l\u0259rl\u0259 qar\u015f\u0131la\u015fa bil\u0259r. \u015e\u00fcbh\u0259siz, t\u0259bi\u0259t v\u0259 insan faktoru n\u0259tic\u0259sind\u0259 ortaya \u00e7\u0131xan bel\u0259 hallarda h\u0259m maddi, h\u0259m d\u0259 cismani itkil\u0259rl\u0259 \u00fczl\u0259\u015fm\u0259k qa\u00e7\u0131lmazd\u0131r. Amma, eyni zamanda, m\u00fcasir d\u00fcnyam\u0131zda bel\u0259 bir reall\u0131q da m\u00f6vcuddur ki, insan m\u00fcxt\u0259lif xo\u015fag\u0259lm\u0259z hadis\u0259l\u0259r\u0259 tu\u015f g\u0259lm\u0259kd\u0259n s\u0131\u011fortalanmasa da, \u00f6z\u00fcn\u00fc g\u0259l\u0259c\u0259kd\u0259 qar\u015f\u0131la\u015fa bil\u0259c\u0259yi h\u0259r hans\u0131 xo\u015fag\u0259lm\u0259z hadis\u0259l\u0259rin maddi v\u0259 m\u0259n\u0259vi itkil\u0259rind\u0259n s\u0131\u011fortalaya bil\u0259r. Bunun \u00fc\u00e7\u00fcn yet\u0259r ki, ataca\u011f\u0131n riskli add\u0131mlar\u0131n t\u0259minat alt\u0131na al\u0131nmas\u0131n\u0131n qeydin\u0259 \u0259vv\u0259llc\u0259d\u0259n qalasan. Bu m\u0259qamda ortaya haql\u0131 sual \u00e7\u0131x\u0131r: \u0130nsan ataca\u011f\u0131 riskli add\u0131mlar\u0131n qeydin\u0259 \u0259vv\u0259lc\u0259d\u0259n nec\u0259 qala bil\u0259r? T\u0259bii ki, t\u0259r\u0259dd\u00fcd etm\u0259d\u0259n \u00e7a\u011fda\u015f d\u00fcnyam\u0131zda h\u0259yat\u0131m\u0131z\u0131n ayr\u0131lmaz par\u00e7as\u0131na \u00e7evrilmi\u015f s\u0131\u011forta orqanlar\u0131na \u00fcz tutmaqla. Y\u0259ni, h\u0259r k\u0259s bilm\u0259lidir ki, s\u0131\u011forta \u015firk\u0259tl\u0259ri bel\u0259 itkil\u0259r n\u0259tic\u0259sind\u0259 ortaya \u00e7\u0131xan ziyan\u0131n tam v\u0259 ya qism\u0259n \u00f6d\u0259nilm\u0259sini t\u0259min edir. Bu g\u00fcn b\u00fct\u00fcn d\u00fcnyada m\u00f6vcud olan m\u00fcxt\u0259lif s\u0131\u011forta n\u00f6vl\u0259rinin siyah\u0131s\u0131nda h\u0259yat s\u0131\u011fortas\u0131 \u0259n \u00f6nc\u00fcl m\u00f6vqe tutur des\u0259k, \u015f\u00fcbh\u0259siz, m\u00fcbali\u011f\u0259y\u0259 yol vermi\u015f olmar\u0131q.<\/strong><\/em><\/p>\n<p>\u015e\u0259xs\u0259n m\u0259n bir ara\u015fd\u0131rma\u00e7\u0131 jurnalist olaraq m\u00fc\u015f\u00fchid\u0259l\u0259rim\u0259 \u0259sas\u0259n dey\u0259 bil\u0259r\u0259m ki, bu g\u00fcn Az\u0259rbaycanda avtomobil s\u0131\u011fortas\u0131ndan sonra daha \u00e7ox \u00fcz tutulan h\u0259yat s\u0131\u011fortas\u0131d\u0131r. \u015e\u00fcbh\u0259siz, son vaxtlar \u00f6lk\u0259d\u0259 h\u0259yat s\u0131\u011fortas\u0131n\u0131n bu d\u0259r\u0259c\u0259d\u0259 populyarla\u015fmas\u0131nda Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n (AMB), Az\u0259rbaycan S\u0131\u011forta\u00e7\u0131lar Assosiasiyas\u0131n\u0131n (ASA) v\u0259 \u0130cbari S\u0131\u011forta B\u00fcrosunun (\u0130SB) ard\u0131c\u0131l sur\u0259td\u0259 birg\u0259 realla\u015fd\u0131rd\u0131qlar\u0131 m\u0259qs\u0259dy\u00f6nl\u00fc t\u0259dbirl\u0259rin rolu b\u00f6y\u00fckd\u00fcr. Bir yaz\u0131 \u00e7\u0259r\u00e7iv\u0259sind\u0259 bu t\u0259dbirl\u0259ri tam \u0259hat\u0259 etm\u0259k m\u00fcmk\u00fcn olmasa da bel\u0259 bir fakt\u0131 vur\u011fulamaq z\u0259ruridir ki, son ill\u0259rd\u0259 Az\u0259rbaycanda banklar v\u0259 bank olmayan kredit t\u0259\u015fkilatlar\u0131 t\u0259r\u0259find\u0259n fiziki \u015f\u0259xsl\u0259r\u0259 veril\u0259n kreditl\u0259rin h\u0259cminin davaml\u0131 art\u0131m\u0131 m\u00fc\u015ft\u0259ril\u0259rin h\u0259yat s\u0131\u011fortas\u0131 il\u0259 m\u00fcdafi\u0259sinin g\u00fccl\u0259ndirilm\u0259sini z\u0259ruri edib. Bu prosesin \u0259sas t\u0259minat\u00e7\u0131s\u0131 olan AMB kredit t\u0259\u015fkilatlar\u0131 t\u0259r\u0259find\u0259n istehlak kreditl\u0259ri \u00fczr\u0259 xidm\u0259t olunan fiziki \u015f\u0259xsl\u0259rin \u00f6d\u0259m\u0259 qabiliyy\u0259ti v\u0259 onlar\u0131n h\u0259yat riskl\u0259rin\u0259 qar\u015f\u0131 m\u00fcdafi\u0259si m\u0259s\u0259l\u0259l\u0259rin\u0259 x\u00fcsusi h\u0259ssasl\u0131qla yana\u015f\u0131r. M\u0259rk\u0259zi Bank, eyni zamanda, bu sah\u0259d\u0259 t\u0259nziml\u0259m\u0259 \u00e7\u0259r\u00e7iv\u0259sinin inki\u015faf\u0131n\u0131 v\u0259 n\u0259zar\u0259tin g\u00fccl\u0259ndirilm\u0259sini prioritet istiqam\u0259tl\u0259rd\u0259n biri kimi daim diqq\u0259t m\u0259rk\u0259zind\u0259 saxlay\u0131r.<\/p>\n<p>He\u00e7 d\u0259 t\u0259sad\u00fcfi deyil ki, bu prioritet v\u0259zif\u0259nin h\u0259lli m\u0259qs\u0259dil\u0259 ilk d\u0259f\u0259 AMB-nin t\u0259\u015f\u0259bb\u00fcs\u00fc il\u0259 cari ilin \u0259vv\u0259lind\u0259 ASA v\u0259 Az\u0259rbaycan Banklar Assosiasiyas\u0131n\u0131n birg\u0259 f\u0259aliyy\u0259ti t\u0259\u015fkil olunub. Y\u0259ni, s\u00f6z\u00fcged\u0259n sah\u0259 il\u0259 ba\u011fl\u0131 yeni \u015f\u0259rtl\u0259r formala\u015fd\u0131r\u0131laraq m\u00f6vcud t\u0259nziml\u0259m\u0259 \u00e7\u0259r\u00e7iv\u0259si \u00fczr\u0259 t\u0259klifl\u0259r ir\u0259li s\u00fcr\u00fcl\u00fcb v\u0259 bununla ba\u011fl\u0131 M\u0259rk\u0259zi Bankla geni\u015f m\u00fczakir\u0259l\u0259r apar\u0131l\u0131b. Bu f\u0259aliyy\u0259tin yekunu olaraq M\u0259rk\u0259zi Bank\u0131n \u0130dar\u0259 Hey\u0259tinin 16 may 2024-c\u00fc il tarixli q\u0259rar\u0131 il\u0259 \u201cFiziki \u015f\u0259xsl\u0259r\u0259 t\u0259qdim edil\u0259n kredit m\u00fcqavil\u0259l\u0259ri \u00fczr\u0259 borcalan\u0131n h\u0259yat\u0131n\u0131n \u00f6l\u00fcm hal\u0131ndan v\u0259 \u0259m\u0259k qabiliyy\u0259tinin itirilm\u0259si hallar\u0131ndan s\u0131\u011fortas\u0131 Qaydalar\u0131\u201dna v\u0259 \u201cBanklarda kredit riskl\u0259rinin idar\u0259 edilm\u0259si Qaydas\u0131\u201dna \u0259lav\u0259 v\u0259 d\u00fcz\u0259li\u015fl\u0259r t\u0259sdiq edilib. \u015e\u00fcbh\u0259siz, bu \u0259lav\u0259 v\u0259 d\u00fcz\u0259li\u015fl\u0259r istehlak krediti g\u00f6t\u00fcrm\u0259k ist\u0259y\u0259n m\u00fcxt\u0259lif \u0259hali qruplar\u0131n\u0131n daha \u0259lveri\u015fli \u015f\u0259rtl\u0259rl\u0259 h\u0259yat s\u0131\u011fortas\u0131na \u0259l\u00e7atanl\u0131\u011f\u0131n\u0131 t\u0259min ed\u0259c\u0259k.<\/p>\n<p>\u00d6lk\u0259 ictimaiyy\u0259ti M\u0259rk\u0259zi Bank\u0131n h\u0259yat s\u0131\u011fortas\u0131 sah\u0259sin\u0259 yeni t\u0259nziml\u0259yici qaydalar g\u0259tirm\u0259sini kredit riskl\u0259rinin minimumla\u015fd\u0131r\u0131lmas\u0131na xidm\u0259t ed\u0259c\u0259k m\u00fcsb\u0259t add\u0131m kimi d\u0259y\u0259rl\u0259ndirir. Yaz\u0131n\u0131n haz\u0131rlanmas\u0131 prosesind\u0259 m\u00f6vzu il\u0259 ba\u011fl\u0131 h\u0259ms\u00f6hb\u0259t oldu\u011fum tan\u0131nm\u0131\u015f iqtisad\u00e7\u0131lar\u0131n fikirl\u0259ri bunu bir daha t\u0259sdiq edir. Milli M\u0259clisin deputat\u0131 V\u00fcqar Bayramov bildirdi ki, \u00fcmumiyy\u0259tl\u0259, istehlak kreditl\u0259rinin s\u0131\u011fortalanmas\u0131 uzun m\u00fcdd\u0259tdir m\u00fczakir\u0259 edil\u0259n m\u0259s\u0259l\u0259l\u0259rd\u0259n idi: \u201cB\u0259llidir ki, indiy\u0259d\u0259k istehlak krediti g\u00f6t\u00fcr\u0259n \u015f\u0259xs d\u00fcnyas\u0131n\u0131 d\u0259yi\u015fdikd\u0259n sonra onun krediti v\u0259r\u0259s\u0259si, y\u0259ni ail\u0259 \u00fczvl\u0259ri t\u0259r\u0259find\u0259n qaytar\u0131l\u0131rd\u0131. N\u0259tic\u0259d\u0259 d\u00fcnyas\u0131n\u0131 d\u0259yi\u015fmi\u015f \u015f\u0259xsin krediti \u0259slind\u0259 onun ail\u0259 \u00fczvl\u0259ri \u00fc\u00e7\u00fcn \u0259lav\u0259 maliyy\u0259 y\u00fck\u00fcn\u0259 \u00e7evrilirdi. S\u0259b\u0259b d\u0259 m\u0259hz s\u0131\u011fortadan istifad\u0259 edilm\u0259m\u0259si idi. T\u0259bii ki, s\u0131\u011fortadan istifad\u0259 edilm\u0259m\u0259si n\u0259tic\u0259 etibaril\u0259 \u00f6hd\u0259liyin b\u00f6l\u00fc\u015fd\u00fcr\u00fclm\u0259m\u0259sin\u0259 g\u0259tirib \u00e7\u0131xar\u0131rd\u0131. \u015e\u00fcbh\u0259siz, kreditl\u0259rin s\u0131\u011fortalanmas\u0131\u00a0 imkan ver\u0259c\u0259k ki, kredit g\u00f6t\u00fcr\u0259n \u015f\u0259xs d\u00fcnyas\u0131n\u0131 d\u0259yi\u015f\u0259rs\u0259 v\u0259 ya sa\u011flaml\u0131\u011f\u0131 il\u0259 ba\u011fl\u0131 h\u0259r hans\u0131 bir problem yaranarsa, bu halda kredit onun ail\u0259 \u00fczvl\u0259ri deyil, s\u0131\u011forta \u015firk\u0259ti t\u0259r\u0259find\u0259n \u00f6d\u0259nilsin\u201d.<\/p>\n<p>V.Bayramov x\u00fcsusi vur\u011fulad\u0131 ki, yeni Qaydalarda yer alan dig\u0259r m\u00fch\u00fcm m\u0259qam \u0259lill\u0259rin kredit\u0259 \u00e7\u0131x\u0131\u015f imkanlar\u0131n\u0131n art\u0131r\u0131lmas\u0131d\u0131r: \u201cHalbuki, \u0259vv\u0259ll\u0259r bu sah\u0259d\u0259 s\u0131\u011forta mexanizmi olmad\u0131\u011f\u0131 \u00fc\u00e7\u00fcn \u0259lill\u0259r v\u0259 ya kredit ald\u0131qdan sonra \u0259lillik d\u0259r\u0259c\u0259si d\u0259yi\u015f\u0259n v\u0259t\u0259nda\u015flar\u0131m\u0131z \u00fc\u00e7\u00fcn ist\u0259r kreditl\u0259rin g\u00f6t\u00fcr\u00fclm\u0259sind\u0259, ist\u0259rs\u0259 d\u0259 onun\u00a0 qaytar\u0131lmas\u0131nda m\u00fc\u0259yy\u0259n probleml\u0259r yaran\u0131rd\u0131. X\u00fcsusil\u0259 n\u0259z\u0259r\u0259 alsaq ki, haz\u0131rda \u00f6lk\u0259 \u00fczr\u0259 v\u0259t\u0259nda\u015flar\u0131n g\u00f6t\u00fcrd\u00fckl\u0259ri istehlak kreditl\u0259rinin h\u0259cmi 7 milyard manatdan art\u0131qd\u0131r, 3 milyon insan\u0131n istehlak krediti var, bu halda riskl\u0259rin s\u0131\u011fortalanmas\u0131n\u0131 v\u0259 x\u00fcsusil\u0259 riskl\u0259rin idar\u0259 edilm\u0259sin\u0259 s\u0131\u011forta \u015firk\u0259tl\u0259rinin c\u0259lb olunmas\u0131n\u0131 bu sah\u0259d\u0259 h\u0259yata ke\u00e7iril\u0259n u\u011furlu islahat kimi d\u0259y\u0259rl\u0259ndirm\u0259k olar. Riskl\u0259rin idar\u0259 edilm\u0259si h\u0259m d\u0259 kommersiya banklar\u0131na praktik olaraq kredit faizl\u0259rini a\u015fa\u011f\u0131 salmaq imkan\u0131 yaradacaq. \u00c7\u00fcnki riskl\u0259r n\u0259 q\u0259d\u0259r \u00e7ox idar\u0259 olunursa, o q\u0259d\u0259r azal\u0131r v\u0259 bu da banklara imkan verir ki, kredit faizl\u0259rini a\u015fa\u011f\u0131 sals\u0131nlar\u201d.<\/p>\n<p>\u0130qtisad\u00e7\u0131-ekspert Eld\u0259niz \u018fmirov bildirdi ki, riskl\u0259rin idar\u0259 olunmas\u0131nda s\u0131\u011forta mexanizminin t\u0259tbiqi b\u00fct\u00fcn d\u00fcnyada \u00f6z\u00fcn\u00fc do\u011frultmu\u015f \u00fcsuldur. Ekspert hesab edir ki, AMB-nin beyn\u0259lxalq t\u0259cr\u00fcb\u0259y\u0259 \u0259salanaraq yeni Qaydalar\u0131 t\u0259sdiql\u0259m\u0259si tezlikl\u0259 m\u00fcsb\u0259t n\u0259tic\u0259sini ver\u0259c\u0259k.<\/p>\n<p>H\u0259yat\u0131m\u0131z s\u0131\u011forta il\u0259 rahat v\u0259 g\u00f6z\u0259ldir. Az\u0259rbaycanda h\u0259yat s\u0131\u011fortalar\u0131n\u0131n rolu qiym\u0259tl\u0259ndiril\u0259rk\u0259n bu amil \u0259sas g\u00f6t\u00fcr\u00fcl\u00fcr. T\u0259bii ki, riskl\u0259rin t\u0259minat alt\u0131na al\u0131nmas\u0131nda bu sah\u0259d\u0259 f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n s\u0131\u011forta \u015firk\u0259tl\u0259rinin t\u0259cr\u00fcb\u0259sind\u0259n b\u0259hs etm\u0259m\u0259k m\u00fcmk\u00fcn deyil. Bel\u0259 t\u0259cr\u00fcb\u0259d\u0259n s\u00f6z d\u00fc\u015f\u0259nd\u0259 ilk olaraq g\u00f6z \u00f6n\u00fcn\u0259 \u201cPA\u015eA H\u0259yat\u201d \u015firk\u0259ti g\u0259lir. \u201cPA\u015eA H\u0259yat\u201d\u0131n dig\u0259r s\u0131\u011forta \u015firk\u0259tl\u0259ri il\u0259 m\u00fcqayis\u0259d\u0259 xeyli d\u0259r\u0259c\u0259d\u0259 populyarl\u0131\u011f\u0131, eyni zamanda, g\u00fcv\u0259nliliyi il\u0259 se\u00e7ilm\u0259si art\u0131q h\u0259r k\u0259s t\u0259r\u0259find\u0259n etiraf olunan faktd\u0131r. B\u0259s \u201cPA\u015eA H\u0259yat\u201d\u0131n bu d\u0259r\u0259c\u0259d\u0259 etibar qazanmas\u0131n\u0131n sirri n\u0259d\u0259dir? T\u0259bii ki, h\u0259yata v\u0259siq\u0259 ald\u0131\u011f\u0131 2011-ci ild\u0259n bu g\u00fcn\u0259d\u0259k Az\u0259rbaycan miqyas\u0131nda h\u0259yat s\u0131\u011fortas\u0131 \u00fczr\u0259 lider olan bu \u015firk\u0259tin f\u0259aliyy\u0259tind\u0259 operativliy\u0259, m\u00fc\u015ft\u0259ril\u0259rl\u0259 \u00fcnsiyy\u0259d\u0259 qar\u015f\u0131l\u0131ql\u0131 etimada, etibara \u00fcst\u00fcnl\u00fck verm\u0259sind\u0259, kadr potensial\u0131n\u0131n m\u00fck\u0259mm\u0259lliyind\u0259, el\u0259c\u0259 d\u0259 d\u00fczg\u00fcn istiqam\u0259t\u0259 y\u00f6nl\u0259ndirilmi\u015f u\u011furlu strategiyada!<\/p>\n<p><em><strong>Sonda bir daha yaz\u0131n\u0131n ba\u015flan\u011f\u0131c\u0131nda qeyd etdiyim fikirl\u0259r\u0259 qay\u0131daraq xat\u0131rlatmaq ist\u0259yir\u0259m ki, he\u00e7 kim n\u0259inki sabah, h\u0259tta bir saatdan sonra ba\u015f\u0131na n\u0259 i\u015f g\u0259l\u0259c\u0259yini bilmir. Ona g\u00f6r\u0259 d\u0259 g\u0259lin, f\u00fcrs\u0259ti \u0259ld\u0259n verm\u0259y\u0259k, ham\u0131l\u0131qla ki\u00e7ik x\u0259rcl\u0259 b\u00f6y\u00fck itkil\u0259rin qar\u015f\u0131s\u0131n\u0131 alaq! H\u0259yat\u0131m\u0131z\u0131 s\u0131\u011fortalayaq!..<\/strong><\/em><\/p>\n<p><strong>Cavid \u018fkb\u0259rov, \u201c\u0130ki sahil\u201d<\/strong><\/p>\n<p><em>Bu yaz\u0131 Az\u0259rbaycan S\u0131\u011forta\u00e7\u0131lar Assosiasiyas\u0131n\u0131n \u201cRiskl\u0259rin t\u0259minat alt\u0131na al\u0131nmas\u0131nda h\u0259yat s\u0131\u011fortalar\u0131n\u0131n rolu\u201d m\u00f6vzusunda t\u0259\u015fkil etdiyi yaz\u0131 m\u00fcsabiq\u0259si \u00fc\u00e7\u00fcn yaz\u0131l\u0131b.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>D\u00fcnyaya g\u00f6z a\u00e7d\u0131\u011f\u0131 g\u00fcnd\u0259n q\u0259bir evin\u0259d\u0259k insan h\u0259yat\u0131n\u0131n h\u0259r an\u0131 risk alt\u0131nda ke\u00e7ir. Art\u0131q \u201cHe\u00e7 kim he\u00e7 n\u0259d\u0259n s\u0131\u011fortalanmay\u0131b\u201d m\u0259\u015fhur deyiminin \u0259ks\u0259r d\u00fcnya xalqlar\u0131n\u0131n leksikonunda v\u0259t\u0259nda\u015fl\u0131q h\u00fcququ qazanmas\u0131 da g\u00f6r\u00fcn\u00fcr el\u0259 bu s\u0259b\u0259bd\u0259ndir. Bu hadis\u0259l\u0259rl\u0259 qar\u015f\u0131la\u015fa bil\u0259r. \u015e\u00fcbh\u0259siz, t\u0259bi\u0259t v\u0259 insan faktoru n\u0259tic\u0259sind\u0259 ortaya \u00e7\u0131xan bel\u0259 hallarda h\u0259m maddi, h\u0259m d\u0259 cismani itkil\u0259rl\u0259 \u00fczl\u0259\u015fm\u0259k qa\u00e7\u0131lmazd\u0131r. Amma, eyni zamanda, m\u00fcasir d\u00fcnyam\u0131zda bel\u0259 bir reall\u0131q da m\u00f6vcuddur ki, insan m\u00fcxt\u0259lif xo\u015fag\u0259lm\u0259z hadis\u0259l\u0259r\u0259 tu\u015f g\u0259lm\u0259kd\u0259n s\u0131\u011fortalanmasa da, \u00f6z\u00fcn\u00fc g\u0259l\u0259c\u0259kd\u0259 qar\u015f\u0131la\u015fa bil\u0259c\u0259yi h\u0259r hans\u0131 xo\u015fag\u0259lm\u0259z hadis\u0259l\u0259rin maddi v\u0259 m\u0259n\u0259vi itkil\u0259rind\u0259n s\u0131\u011fortalaya bil\u0259r. Bunun \u00fc\u00e7\u00fcn&hellip;<\/p>\n","protected":false},"author":2,"featured_media":733077,"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\/06\/93b71ff0155254427458164241110638242.jpg",975,540,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/06\/93b71ff0155254427458164241110638242.jpg",975,540,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/06\/93b71ff0155254427458164241110638242.jpg",975,540,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/06\/93b71ff0155254427458164241110638242-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/06\/93b71ff0155254427458164241110638242-660x365.jpg",660,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/06\/93b71ff0155254427458164241110638242-840x465.jpg",640,354,true],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/06\/93b71ff0155254427458164241110638242.jpg",975,540,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/06\/93b71ff0155254427458164241110638242.jpg",975,540,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/06\/93b71ff0155254427458164241110638242-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/06\/93b71ff0155254427458164241110638242.jpg",975,540,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":"D\u00fcnyaya g\u00f6z a\u00e7d\u0131\u011f\u0131 g\u00fcnd\u0259n q\u0259bir evin\u0259d\u0259k insan h\u0259yat\u0131n\u0131n h\u0259r an\u0131 risk alt\u0131nda ke\u00e7ir. Art\u0131q \u201cHe\u00e7 kim he\u00e7 n\u0259d\u0259n s\u0131\u011fortalanmay\u0131b\u201d m\u0259\u015fhur deyiminin \u0259ks\u0259r d\u00fcnya xalqlar\u0131n\u0131n leksikonunda v\u0259t\u0259nda\u015fl\u0131q h\u00fcququ qazanmas\u0131 da g\u00f6r\u00fcn\u00fcr el\u0259 bu s\u0259b\u0259bd\u0259ndir. Bu hadis\u0259l\u0259rl\u0259 qar\u015f\u0131la\u015fa bil\u0259r. \u015e\u00fcbh\u0259siz, t\u0259bi\u0259t v\u0259 insan faktoru n\u0259tic\u0259sind\u0259 ortaya \u00e7\u0131xan bel\u0259 hallarda h\u0259m maddi, h\u0259m d\u0259 cismani itkil\u0259rl\u0259 \u00fczl\u0259\u015fm\u0259k qa\u00e7\u0131lmazd\u0131r.&hellip;","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/733076"}],"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=733076"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/733076\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/733077"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=733076"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=733076"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=733076"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}