{"id":789804,"date":"2025-02-25T08:32:06","date_gmt":"2025-02-25T04:32:06","guid":{"rendered":"https:\/\/arantv.az\/?p=789804"},"modified":"2025-02-25T08:32:06","modified_gmt":"2025-02-25T04:32:06","slug":"v%c9%99fat-etmis-s%c9%99xsin-pensiyasini-ail%c9%99si-n%c9%99-vaxt-ala-bil%c9%99c%c9%99k","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=789804","title":{"rendered":"V\u0259fat etmi\u015f \u015f\u0259xsin pensiyas\u0131n\u0131 ail\u0259si n\u0259 vaxt ala bil\u0259c\u0259k?"},"content":{"rendered":"

\u00d6lk\u0259d\u0259 1.3 milyon n\u0259f\u0259rd\u0259n \u00e7ox \u0259m\u0259k qabiliyy\u0259tli insan\u0131n harada i\u015fl\u0259diyi r\u0259smi statistikada \u0259ksini tapm\u0131r – iqtisad\u00e7\u0131dan f\u0259rqli r\u0259y<\/strong><\/p>\n

2025-ci ilin yanvar ay\u0131nda Az\u0259rbaycanda ya\u015fa g\u00f6r\u0259 ayl\u0131q sosial m\u00fcavin\u0259t alanlar\u0131n say\u0131 158 260 n\u0259f\u0259r olub. \u018fm\u0259k v\u0259 \u018fhalinin Sosial M\u00fcdafi\u0259si Nazirliyinin a\u00e7\u0131qlad\u0131\u011f\u0131 m\u0259lumata \u0259sas\u0259n, onlar\u0131n 33,3 faizini ki\u015fil\u0259r, 66,7 faizini is\u0259 qad\u0131nlar t\u0259\u015fkil edib. Bir il \u0259vv\u0259l is\u0259 ya\u015fa g\u00f6r\u0259 m\u00fcavin\u0259t alanlar\u0131n say\u0131 145 min n\u0259f\u0259r civar\u0131ndayd\u0131.<\/p>\n

Nazirliyin dig\u0259r m\u0259lumat\u0131na \u0259sas\u0259n, 2024-c\u00fc ilin yanvar ay\u0131nda ya\u015fa g\u00f6r\u0259 pensiya alanlar\u0131n say\u0131 708 min n\u0259f\u0259rd\u0259n \u00e7ox olub. Onlar\u0131n 42,1 faizini ki\u015fil\u0259r, 57,9 faizini is\u0259 qad\u0131nlar t\u0259\u015fkil edib. 2024-c\u00fc ilin sonuna do\u011fru ya\u015fa g\u00f6r\u0259 \u0259m\u0259k pensiyas\u0131 alanlar\u0131n say\u0131nda azalma qeyd\u0259 al\u0131n\u0131b –\u00a0 oktyabr ay\u0131nda onlar\u0131n say\u0131 706,9 min n\u0259f\u0259r t\u0259\u015fkil edib.<\/strong><\/p>\n

Bel\u0259likl\u0259, r\u0259smi r\u0259q\u0259ml\u0259rd\u0259n ayd\u0131n olur ki, Az\u0259rbaycanda pensiya ya\u015f\u0131na \u00e7atan, lakin sosial hesab\u0131ndak\u0131 kapital\u0131 minimum m\u0259bl\u0259\u011fd\u0259 d\u0259 olsa pensiya alma\u011fa yetm\u0259y\u0259n insanlar\u0131n say\u0131 s\u00fcr\u0259tl\u0259 art\u0131r. Bunun bir s\u0259b\u0259bi \u0259m\u0259k haqlar\u0131n\u0131n bir \u00e7ox hallarda i\u015f\u0259g\u00f6t\u00fcr\u0259nl\u0259rin x\u0259rcl\u0259rini azaltmaq m\u0259qs\u0259dil\u0259 a\u015fa\u011f\u0131 – \u0259sas\u0259n minimum \u0259m\u0259k haqq\u0131 s\u0259viyy\u0259sind\u0259 t\u0259sdiql\u0259nm\u0259sidirs\u0259, dig\u0259r s\u0259b\u0259bi d\u0259 qeyri-leqal i\u015f\u00e7i say\u0131n\u0131n \u00e7ox olmas\u0131d\u0131r. Bu is\u0259 \u00f6lk\u0259d\u0259 k\u00f6lg\u0259 iqtisadiyyat\u0131n\u0131n pay\u0131n\u0131n d\u00fcnya ortalamas\u0131ndan d\u0259f\u0259l\u0259rl\u0259 y\u00fcks\u0259k olaraq qalmas\u0131ndan qaynaqlan\u0131r. \u0130qtisad\u00e7\u0131-ekspert Natiq C\u0259f\u0259rlinin hesablamalar\u0131na \u0259sas\u0259n, Az\u0259rbaycanda 1.3 milyon n\u0259f\u0259rd\u0259n \u00e7ox \u0259m\u0259k qabiliyy\u0259tli insan\u0131n harada i\u015fl\u0259diyi r\u0259smi statistikada \u0259ksini tapm\u0131r: \u201cR\u0259smi m\u0259lumatda deyilir ki, yanvarda iqtisadi f\u0259al \u0259halinin say\u0131 5 milyon 312.6 min n\u0259f\u0259r olub, onlardan 5 milyon 29.9 min n\u0259f\u0259ri m\u0259\u015f\u011ful \u0259halidir. Az\u0259rbaycan Respublikas\u0131nda \u0259halinin m\u0259\u015f\u011fullu\u011fu haqq\u0131nda qanuna \u0259sas\u0259n muzdla i\u015fl\u0259y\u0259n, o c\u00fcml\u0259d\u0259n tam v\u0259 ya natamam i\u015f vaxt\u0131 \u015f\u0259raitind\u0259 haqq m\u00fcqabilind\u0259 i\u015f g\u00f6r\u0259n, habel\u0259 haqq\u0131 \u00f6d\u0259nil\u0259n ba\u015fqa i\u015fi (xidm\u0259ti) olanlar, \u0259m\u0259k iqtidars\u0131zl\u0131\u011f\u0131, m\u0259zuniyy\u0259t, ixtisasart\u0131rma, t\u0259til v\u0259 ya ba\u015fqa s\u0259b\u0259bl\u0259r \u00fcz\u00fcnd\u0259n istehsalat\u0131n dayanmas\u0131 il\u0259 \u0259laq\u0259dar i\u015f yerind\u0259 m\u00fcv\u0259qq\u0259ti olmayanlar, \u00f6z\u00fcn\u00fc i\u015fl\u0259 m\u00fcst\u0259qil \u0259min ed\u0259nl\u0259r, o c\u00fcml\u0259d\u0259n sahibkarlar, f\u0259rdi \u0259m\u0259k f\u0259aliyy\u0259ti il\u0259 m\u0259\u015f\u011ful olan \u015f\u0259xsl\u0259r, h\u0259m\u00e7inin fermerl\u0259r v\u0259 onlar\u0131n istehsalda i\u015ftirak ed\u0259n ail\u0259 \u00fczvl\u0259ri m\u0259\u015f\u011ful \u0259halidir. Bu il yanvar\u0131n 1-i v\u0259ziyy\u0259tin\u0259 Az\u0259rbaycan iqtisadiyyat\u0131nda muzdla \u00e7al\u0131\u015fan i\u015f\u00e7il\u0259rin say\u0131 ilkin m\u0259lumatlara \u0259sas\u0259n, 1 milyon 778.5 min n\u0259f\u0259r olub; \u00d6lk\u0259d\u0259 V\u00d6EN-l\u0259 \u00e7al\u0131\u015fan 700-800 min i\u015f\u00e7i var, tutal\u0131m, onlar\u0131n ham\u0131s\u0131 aktivdir;\u00a0 Pay torpa\u011f\u0131 olanlar\u0131n ham\u0131s\u0131na, onlar\u0131n ail\u0259 \u00fczvl\u0259tin\u0259 \u00f6lk\u0259d\u0259 “fermer” deyib r\u0259smil\u0259\u015fdirirl\u0259r – onlar\u0131n say\u0131 da, t\u0259qrib\u0259n 1 milyon 400 min n\u0259f\u0259rdir. Bu is\u0259 o dem\u0259kdir ki, \u0259n yuxar\u0131s\u0131 4 milyon n\u0259f\u0259r i\u015fl\u0259y\u0259n-m\u0259\u015f\u011ful \u0259hali var. Bel\u0259 \u00e7\u0131x\u0131r ki, 1 milyon 300 min n\u0259f\u0259r ya i\u015fsizdir, ya da qeydiyyats\u0131z i\u015fl\u0259yir”.<\/p>\n

Qeydiyyats\u0131z i\u015fl\u0259y\u0259nl\u0259rin, h\u0259m\u00e7inin \u0259m\u0259khaqq\u0131 minimum qeyd\u0259 al\u0131nanlar\u0131n say\u0131n\u0131n y\u00fcks\u0259k olmas\u0131 orta v\u0259 uzunm\u00fcdd\u0259tli d\u00f6vrd\u0259 pensiya ya\u015f\u0131na \u00e7at\u0131b \u0259m\u0259k pensiyas\u0131 almayan insanlar\u0131n say\u0131n\u0131n s\u00fcr\u0259tl\u0259 artmas\u0131n\u0131 \u015f\u0259rtl\u0259ndir\u0259c\u0259k. Bu is\u0259 \u0259halinin ehtiyacl\u0131 t\u0259b\u0259q\u0259sinin artmas\u0131 dem\u0259kdir. Bu problemin qar\u015f\u0131s\u0131n\u0131n al\u0131nmas\u0131 \u00fc\u00e7\u00fcn \u00f6z\u0259l pensiya fondlar\u0131n\u0131n yarad\u0131lmas\u0131 \u0259sas yollardan biri hesab olunur. Qeydiyyats\u0131z i\u015fl\u0259y\u0259n, yaxud \u0259m\u0259khaqq\u0131 a\u015fa\u011f\u0131 qeyd\u0259 al\u0131nan, h\u0259m\u00e7inin k\u0259nd t\u0259s\u0259rr\u00fcfat\u0131nda m\u0259\u015f\u011ful kimi r\u0259smil\u0259\u015fs\u0259 d\u0259, sosial s\u0131\u011forta hesab\u0131na h\u0259r hans\u0131 \u00f6d\u0259ni\u015f olmayan v\u0259t\u0259nda\u015flar bel\u0259 fondlara \u00f6z imkanlar\u0131 hesab\u0131n \u00f6d\u0259ni\u015f etm\u0259kl\u0259 ah\u0131l vaxtlar\u0131 \u00fc\u00e7\u00fcn t\u0259hl\u00fck\u0259sizlik yast\u0131\u011f\u0131 formala\u015fd\u0131ra bil\u0259rl\u0259r.<\/strong><\/p>\n

Az\u0259rbaycanda uzun ill\u0259rd\u0259n sonra \u00f6z\u0259l pensiya fondunun yarad\u0131lmas\u0131 istiqam\u0259tind\u0259 add\u0131mlar at\u0131lma\u011fa ba\u015flan\u0131b. \u00d6t\u0259n ilin dekabr\u0131nda veril\u0259n a\u00e7\u0131qlamadan ayd\u0131n oldu ki, art\u0131q \u018f\u018fSMN t\u0259r\u0259find\u0259n \u201cQeyri-d\u00f6vl\u0259t pensiya fondlar\u0131 haqq\u0131nda\u201d qanun layih\u0259si haz\u0131rlan\u0131b v\u0259 raz\u0131la\u015fd\u0131r\u0131lmas\u0131 \u00fc\u00e7\u00fcn aidiyy\u0259ti qurumlara t\u0259qdim olunub. M\u00fcvafiq qurumlarla m\u00fczakir\u0259l\u0259r n\u0259tic\u0259sind\u0259 \u00f6z\u0259l pensiya fondlar\u0131n\u0131n f\u0259aliyy\u0259tinin h\u00fcquqi, iqtisadi v\u0259 maliyy\u0259 \u0259saslar\u0131n\u0131n formala\u015fd\u0131r\u0131lmas\u0131, h\u0259min fondlar\u0131n f\u0259aliyy\u0259tin\u0259 n\u0259zar\u0259t mexanizml\u0259rinin m\u00fc\u0259yy\u0259nl\u0259\u015fdirilm\u0259si m\u0259qs\u0259dil\u0259 layih\u0259nin t\u0259kmill\u0259\u015fdirilm\u0259si \u00fc\u00e7\u00fcn aidiyy\u0259ti qurumlar\u0131n n\u00fcmay\u0259nd\u0259l\u0259ri il\u0259 birlikd\u0259 i\u015f apar\u0131l\u0131r.<\/p>\n

Az\u0259rbaycan M\u0259rk\u0259zin Bank\u0131ndan veril\u0259n a\u00e7\u0131qlamada qeyd edilir ki, \u00f6z\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.<\/p>\n

Az\u0259rbaycan Prezidentinin 22 iyul 2022-ci il tarixli S\u0259r\u0259ncam\u0131 il\u0259 t\u0259sdiql\u0259nmi\u015f \u201c2022-2026-c\u0131 ill\u0259rd\u0259 sosial-iqtisadi inki\u015faf Strategiyas\u0131\u201d \u00e7\u0259r\u00e7iv\u0259sind\u0259 pensiya t\u0259minat\u0131 sisteminin t\u0259kmill\u0259\u015fdirilm\u0259si \u0259sas prioritetl\u0259rd\u0259n biri kimi m\u00fc\u0259yy\u0259n edilib. Qeyd edil\u0259n t\u0259dbir \u00e7\u0259r\u00e7iv\u0259sind\u0259 \u0259sas icra\u00e7\u0131 qismind\u0259 \u018fm\u0259k v\u0259 \u018fhalinin Sosial M\u00fcdafi\u0259si Nazirliyi, dig\u0259r icra\u00e7\u0131lar s\u0131ras\u0131nda is\u0259 Maliyy\u0259 Nazirliyi, \u0130qtisadiyyat Nazirliyi, M\u0259rk\u0259zi Bank v\u0259 \u018fdliyy\u0259 Nazirliyi qeyd edilib.<\/p>\n

AMB-d\u0259n bildirildiyin\u0259 g\u00f6r\u0259, bu istiqam\u0259td\u0259 \u018f\u018fSMN-in r\u0259hb\u0259rliyi alt\u0131nda beyn\u0259lxalq t\u0259cr\u00fcb\u0259l\u0259r ara\u015fd\u0131r\u0131l\u0131b v\u0259 ilkin qanunvericilik layih\u0259l\u0259ri haz\u0131rlan\u0131b. X\u00fcsusil\u0259 Rum\u0131niya, Pol\u015fa, Fransa, Xorvatiya v\u0259 T\u00fcrkiy\u0259 kimi \u00f6lk\u0259l\u0259rin t\u0259cr\u00fcb\u0259si \u00f6yr\u0259nil\u0259r\u0259k, qanun layih\u0259l\u0259rinin m\u00fcasir v\u0259 effektiv mexanizml\u0259r\u0259 \u0259saslanmas\u0131 t\u0259min olunub: \u201cHaz\u0131rda qanun layih\u0259l\u0259rinin t\u0259kmill\u0259\u015fdirilm\u0259si v\u0259 m\u00fczakir\u0259si m\u0259qs\u0259dil\u0259 d\u00f6vl\u0259t qurumlar\u0131, M\u0259rk\u0259zi Bank v\u0259 Az\u0259rbaycan S\u0131\u011forta\u00e7\u0131lar Assosiasiyas\u0131 birg\u0259 f\u0259aliyy\u0259t g\u00f6st\u0259rirl\u0259r. M\u0259rk\u0259zi Bank\u0131n da i\u015ftirak\u0131 il\u0259 qurumlararas\u0131 m\u00fczakir\u0259l\u0259r davam etdirilir v\u0259 ilkin t\u0259klifl\u0259r i\u015fl\u0259nib haz\u0131rlan\u0131r\u201d, – cavabda deyilir.<\/p>\n

\"V\u0259fat<\/p>\n

AMB-d\u0259 hesab edilir ki, \u00f6z\u0259l pensiya fondlar\u0131n\u0131n yarad\u0131lmas\u0131nda h\u0259yat s\u0131\u011fortas\u0131 \u015firk\u0259tl\u0259rinin rolu \u0259h\u0259miyy\u0259tlidir. Bu \u015firk\u0259tl\u0259r beyn\u0259lxalq t\u0259cr\u00fcb\u0259l\u0259rin \u00f6yr\u0259nilm\u0259sind\u0259 v\u0259 fondlar\u0131n idar\u0259 edilm\u0259si \u00fczr\u0259 t\u0259klifl\u0259rin haz\u0131rlanmas\u0131nda yax\u0131ndan i\u015ftirak edirl\u0259r: \u201cS\u0131\u011forta\u00e7\u0131lar t\u0259r\u0259find\u0259n \u00f6z\u0259l pensiya fondlar\u0131n\u0131n t\u0259tbiq olundu\u011fu beyn\u0259lxalq t\u0259cr\u00fcb\u0259nin \u00f6yr\u0259nilm\u0259si, o c\u00fcml\u0259d\u0259n pensiya fondlar\u0131n\u0131n f\u0259aliyy\u0259tind\u0259 s\u0131\u011forta\u00e7\u0131lar\u0131n rolu, i\u015fl\u0259rin t\u0259\u015fkili v\u0259 dig\u0259r effektiv mexanizml\u0259rl\u0259 ba\u011fl\u0131 t\u0259hlill\u0259r apar\u0131rlar. \u00dcmumiyy\u0259tl\u0259, M\u0259rk\u0259zi Bank s\u0131\u011forta sektorunun inki\u015faf etdirilm\u0259si, sektorun maliyy\u0259 sabitliyinin t\u0259min edilm\u0259si istiqam\u0259tind\u0259 bir \u00e7ox i\u015fl\u0259r icra etm\u0259kd\u0259dir\u201d. Eyni zamanda s\u0131\u011forta sektorunun inki\u015faf\u0131 \u00fc\u00e7\u00fcn M\u0259rk\u0259zi Bank v\u0259 Az\u0259rbaycan S\u0131\u011forta\u00e7\u0131lar Assosiasiyas\u0131 (ASA) il\u0259 \u0259m\u0259kda\u015fl\u0131q \u00e7\u0259r\u00e7iv\u0259sind\u0259 yeni t\u0259\u015f\u0259bb\u00fcsl\u0259r h\u0259yata ke\u00e7irilir.<\/p>\n

AMB qeyd edir ki, \u00f6z\u0259l pensiya fondlar\u0131n\u0131n u\u011furlu f\u0259aliyy\u0259t g\u00f6st\u0259rm\u0259si \u00fc\u00e7\u00fcn bir s\u0131ra effektiv idar\u0259etm\u0259 v\u0259 t\u0259nziml\u0259m\u0259 mexanizml\u0259ri n\u0259z\u0259rd\u0259 tutulur: \u201c\u015e\u0259ffafl\u0131q v\u0259 maliyy\u0259 sabitliyini t\u0259min etm\u0259k \u00fc\u00e7\u00fcn fondlar\u0131n f\u0259aliyy\u0259tind\u0259 \u015f\u0259ffafl\u0131\u011f\u0131n t\u0259min edilm\u0259si v\u0259 maliyy\u0259 sabitliyinin qorunmas\u0131 \u0259sas prioritetl\u0259rd\u0259ndir. \u0130nvestisiyalar\u0131n qorunmas\u0131 \u00fc\u00e7\u00fcn v\u0259t\u0259nda\u015flar\u0131n fondlara yat\u0131rd\u0131\u011f\u0131 v\u0259saitl\u0259rin qorunmas\u0131 \u00fc\u00e7\u00fcn qanunvericilik bazas\u0131n\u0131n t\u0259kmill\u0259\u015fdirilm\u0259si v\u0259 riskl\u0259rin azald\u0131lmas\u0131 istiqam\u0259tind\u0259 t\u0259dbirl\u0259r g\u00f6r\u00fcl\u0259c\u0259k. Diq\u0259r m\u0259s\u0259l\u0259 is\u0259 v\u0259t\u0259nda\u015flar\u0131n maarifl\u0259ndirilm\u0259sidir. Fondlar\u0131n f\u0259aliyy\u0259tin\u0259 mara\u011f\u0131n art\u0131r\u0131lmas\u0131 v\u0259 pensiya y\u0131\u011f\u0131mlar\u0131n\u0131n \u0259h\u0259miyy\u0259ti bar\u0259d\u0259 m\u0259lumatland\u0131rma kampaniyalar\u0131n\u0131n t\u0259\u015fkili planla\u015fd\u0131r\u0131l\u0131r\u201d.<\/p>\n

D\u00fcnya t\u0259cr\u00fcb\u0259sind\u0259n \u00e7\u0131x\u0131\u015f ets\u0259k, \u00f6z\u0259l pensiya fonduna toplanan v\u0259saiti v\u0259t\u0259nda\u015f m\u00fcqavil\u0259d\u0259 n\u0259z\u0259rd\u0259 tutulan minimum \u00f6d\u0259ni\u015f m\u00fcdd\u0259tind\u0259n sonra g\u00f6t\u00fcrm\u0259k imkan\u0131 \u0259ld\u0259 ed\u0259c\u0259k. \u0130st\u0259y\u0259rs\u0259, 50-55 ya\u015f\u0131nda toplanan pensiya kapital\u0131n\u0131 birba\u015fa g\u00f6t\u00fcr\u0259r\u0259k biznes v\u0259 ya hans\u0131sa t\u0259s\u0259rr\u00fcfat yarada, ev ala v\u0259 dig\u0259r m\u0259qs\u0259dl\u0259r \u00fc\u00e7\u00fcn istifad\u0259 ed\u0259 bil\u0259c\u0259k. V\u0259t\u0259nda\u015f r\u0259hm\u0259t\u0259 getdiyi t\u0259qdird\u0259, onun varisi(l\u0259ri) toplanan v\u0259saiti ala bil\u0259c\u0259k. Hans\u0131 ki, bu, haz\u0131rda t\u0259tbiq olunan pensiya mexanizmind\u0259 \u0259ksini tapmay\u0131b.<\/p>\n

Bel\u0259 bir mexanizmin h\u0259yat s\u0131\u011fortas\u0131 \u015firk\u0259tl\u0259rinin i\u015ftirak\u0131 il\u0259 qurulmas\u0131 ehtimal\u0131 y\u00fcks\u0259k qiym\u0259tl\u0259ndirilir. Bu, ba\u015f ver\u0259rs\u0259, \u0259lav\u0259 fondlar\u0131n yarad\u0131lmas\u0131na ehtiyac qalmayacaq – s\u0131\u011forta \u015firk\u0259tl\u0259ri \u00f6zl\u0259ri bu funksiyan\u0131 icra ed\u0259c\u0259kl\u0259r. Son ill\u0259rd\u0259 h\u0259yat\u0131n ya\u015fam s\u0131\u011fortas\u0131nda qeyd\u0259 al\u0131nan y\u00fcks\u0259li\u015f g\u00f6st\u0259rir ki, d\u00f6vl\u0259tin stimulla\u015fd\u0131r\u0131c\u0131 d\u0259st\u0259yi il\u0259 \u00f6z\u0259l pensiya sisteminin d\u0259 inki\u015faf\u0131na nail olmaq m\u00fcmk\u00fcnd\u00fcr. H\u0259tta prosesi \u00f6z\u0259l pensiya sistemi qoymadan, haz\u0131rda Az\u0259rbaycan qanunvericiliyind\u0259 m\u00f6vcud olan bir mexanizmin t\u0259tbiqi buna imkan ver\u0259r. Bel\u0259 ki, d\u00fcnyada i\u015fl\u0259y\u0259n \u015f\u0259xsl\u0259r \u00fc\u00e7\u00fcn annuitet s\u0131\u011forta adl\u0131 \u0259lveri\u015fli s\u0131\u011forta n\u00f6v\u00fc t\u0259tbiq olunur. Ad\u0259t\u0259n bu s\u0131\u011forta n\u00f6v\u00fcnd\u0259n orta ya\u015fl\u0131 insanlar daha \u00e7ox istifad\u0259 edirl\u0259r. Mahiyy\u0259ti budur ki, insan s\u0131\u011forta \u015firk\u0259tin\u0259 h\u0259yat s\u0131\u011fortas\u0131 il\u0259 ba\u011fl\u0131 bird\u0259f\u0259lik v\u0259 ya hiss\u0259li \u015f\u0259kild\u0259 m\u0259bl\u0259\u011f \u00f6d\u0259yir v\u0259 daha sonra s\u0131\u011forta\u00e7\u0131 m\u00fct\u0259madi olaraq s\u0131\u011fortal\u0131ya \u00f6d\u0259ni\u015fl\u0259r edir. Bu \u00f6d\u0259ni\u015fl\u0259r h\u0259min \u015f\u0259xs\u0259 bir ne\u00e7\u0259 il \u0259rzind\u0259, h\u0259tta m\u00fcdd\u0259tsiz \u015f\u0259kild\u0259, y\u0259ni v\u0259fat ed\u0259n\u0259 q\u0259d\u0259r \u00f6d\u0259nil\u0259 bil\u0259r. Bel\u0259 m\u00fcqavil\u0259l\u0259r i\u015f\u00e7il\u0259r, i\u015f\u0259g\u00f6t\u00fcr\u0259n \u015firk\u0259t v\u0259 s\u0131\u011forta \u015firk\u0259tl\u0259ri aras\u0131nda da imzalana bil\u0259r Bu zaman i\u015f\u0259g\u00f6t\u00fcr\u0259n – y\u0259ni i\u015f yeri h\u0259r ay i\u015f\u00e7inin \u0259m\u0259khaqq\u0131ndan m\u00fcvafiq s\u0131\u011forta haqq\u0131n\u0131 s\u0131\u011forta \u015firk\u0259tin\u0259 k\u00f6\u00e7\u00fcr\u00fcr. H\u0259min i\u015f\u00e7i \u00f6z \u0259m\u0259k qabiliyy\u0259tini itir\u0259rs\u0259, ona s\u0131\u011forta \u00f6d\u0259ni\u015fi edilir. Annuitet s\u0131\u011fortada \u00f6d\u0259ni\u015fl\u0259r bird\u0259f\u0259lik deyil, periodik v\u0259 \u0259ks\u0259r hallarda ayl\u0131q olur. S\u0131\u011forta \u015firk\u0259ti m\u0259bl\u0259\u011fi i\u015f\u0259g\u00f6t\u00fcr\u0259n \u015firk\u0259tin hesab\u0131na ke\u00e7irir v\u0259 i\u015f\u00e7i h\u0259r ay ke\u00e7mi\u015f i\u015f yerind\u0259n s\u0131\u011forta m\u00fcavin\u0259ti al\u0131r. \u018fg\u0259r s\u0131\u011fortal\u0131 v\u0259fat ed\u0259rs\u0259, onda m\u00fcavin\u0259tl\u0259ri onun ail\u0259 \u00fczvl\u0259ri v\u0259 ya varisl\u0259ri \u0259ld\u0259 edir. \u018fg\u0259r v\u0259fat ed\u0259n \u015f\u0259xsin he\u00e7 bir ail\u0259 \u00fczv\u00fc v\u0259 ya varisi yoxdursa, onda s\u0131\u011forta m\u00fcavin\u0259tl\u0259ri yaln\u0131z d\u0259fn x\u0259rcl\u0259rini qar\u015f\u0131lamaq \u00fc\u00e7\u00fcn ayr\u0131l\u0131r.<\/p>\n

XalqH\u0259yat s\u0131\u011forta \u015firk\u0259tinin sat\u0131\u015f idar\u0259sinin m\u00fcdiri \u015e\u0259hriyar M\u0259cidovun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, Az\u0259rbaycanda da annuitet s\u0131\u011forta n\u00f6v\u00fc qanunvericilikd\u0259 n\u0259z\u0259rd\u0259 tutulur: \u201cBu n\u00f6v s\u0131\u011forta qanunda n\u0259z\u0259rd\u0259 tutulub, lakin h\u0259l\u0259 sat\u0131\u015fa \u00e7\u0131xar\u0131lmay\u0131b. Vaxtil\u0259 Sovet d\u00f6vr\u00fcnd\u0259 bunu t\u0259tbiq edirdil\u0259r. Ad\u0259t\u0259n valideynl\u0259r \u00f6vladlar\u0131 \u00fc\u00e7\u00fcn edirdil\u0259r bunu. \u0130ndi Avropada, T\u00fcrkiy\u0259d\u0259 geni\u015f t\u0259tbiq olunur. T\u00fcrkiy\u0259d\u0259 buna \u0259m\u0259kli s\u0131\u011fortas\u0131 deyirl\u0259r. Bizd\u0259 g\u00f6zl\u0259yirik ki, bu m\u0259hsuldan n\u0259 vaxt istifad\u0259 ed\u0259 bil\u0259c\u0259yik. Fikrimc\u0259, t\u0259tbiq edils\u0259, ona maraq y\u00fcks\u0259k olacaq\u201d.<\/p>\n","protected":false},"excerpt":{"rendered":"

\u00d6lk\u0259d\u0259 1.3 milyon n\u0259f\u0259rd\u0259n \u00e7ox \u0259m\u0259k qabiliyy\u0259tli insan\u0131n harada i\u015fl\u0259diyi r\u0259smi statistikada \u0259ksini tapm\u0131r – iqtisad\u00e7\u0131dan f\u0259rqli r\u0259y 2025-ci ilin yanvar ay\u0131nda Az\u0259rbaycanda ya\u015fa g\u00f6r\u0259 ayl\u0131q sosial m\u00fcavin\u0259t alanlar\u0131n say\u0131 158 260 n\u0259f\u0259r olub. \u018fm\u0259k v\u0259 \u018fhalinin Sosial M\u00fcdafi\u0259si Nazirliyinin a\u00e7\u0131qlad\u0131\u011f\u0131 m\u0259lumata \u0259sas\u0259n, onlar\u0131n 33,3 faizini ki\u015fil\u0259r, 66,7 faizini is\u0259 qad\u0131nlar t\u0259\u015fkil edib. Bir il \u0259vv\u0259l is\u0259 ya\u015fa g\u00f6r\u0259 m\u00fcavin\u0259t alanlar\u0131n say\u0131 145 min n\u0259f\u0259r civar\u0131ndayd\u0131. Nazirliyin dig\u0259r m\u0259lumat\u0131na \u0259sas\u0259n, 2024-c\u00fc ilin yanvar ay\u0131nda ya\u015fa g\u00f6r\u0259 pensiya alanlar\u0131n say\u0131 708 min n\u0259f\u0259rd\u0259n \u00e7ox olub. Onlar\u0131n 42,1 faizini ki\u015fil\u0259r, 57,9 faizini…<\/p>\n","protected":false},"author":2,"featured_media":789805,"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":[26],"tags":[],"aioseo_notices":[],"gutentor_comment":0,"rttpg_featured_image_url":{"full":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/26dc874247aba741ce38828f72512c56.jpg",690,462,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/26dc874247aba741ce38828f72512c56.jpg",690,462,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/26dc874247aba741ce38828f72512c56.jpg",690,462,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/26dc874247aba741ce38828f72512c56-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/26dc874247aba741ce38828f72512c56-545x365.jpg",545,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/26dc874247aba741ce38828f72512c56.jpg",640,429,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/26dc874247aba741ce38828f72512c56.jpg",690,462,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/26dc874247aba741ce38828f72512c56.jpg",690,462,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/26dc874247aba741ce38828f72512c56-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/26dc874247aba741ce38828f72512c56.jpg",690,462,false]},"rttpg_author":{"display_name":"V\u00fcsal Rafiqo\u011flu","author_link":"https:\/\/arantv.az\/?author=2"},"rttpg_comment":0,"rttpg_category":"Sosial<\/a>","rttpg_excerpt":"\u00d6lk\u0259d\u0259 1.3 milyon n\u0259f\u0259rd\u0259n \u00e7ox \u0259m\u0259k qabiliyy\u0259tli insan\u0131n harada i\u015fl\u0259diyi r\u0259smi statistikada \u0259ksini tapm\u0131r – iqtisad\u00e7\u0131dan f\u0259rqli r\u0259y 2025-ci ilin yanvar ay\u0131nda Az\u0259rbaycanda ya\u015fa g\u00f6r\u0259 ayl\u0131q sosial m\u00fcavin\u0259t alanlar\u0131n say\u0131 158 260 n\u0259f\u0259r olub. \u018fm\u0259k v\u0259 \u018fhalinin Sosial M\u00fcdafi\u0259si Nazirliyinin a\u00e7\u0131qlad\u0131\u011f\u0131 m\u0259lumata \u0259sas\u0259n, onlar\u0131n 33,3 faizini ki\u015fil\u0259r, 66,7 faizini is\u0259 qad\u0131nlar t\u0259\u015fkil edib. Bir il…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/789804"}],"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=789804"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/789804\/revisions"}],"predecessor-version":[{"id":789806,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/789804\/revisions\/789806"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/789805"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=789804"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=789804"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=789804"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}