{"id":803141,"date":"2025-04-29T08:51:41","date_gmt":"2025-04-29T04:51:41","guid":{"rendered":"https:\/\/arantv.az\/?p=803141"},"modified":"2025-04-29T08:51:41","modified_gmt":"2025-04-29T04:51:41","slug":"pensiyacilarin-diqq%c9%99tin%c9%99-onlar-bu-%c9%99ziyy%c9%99td%c9%99n-xilas-olur","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=803141","title":{"rendered":"Pensiya\u00e7\u0131lar\u0131n diqq\u0259tin\u0259! Onlar bu \u0259ziyy\u0259td\u0259n xilas olur"},"content":{"rendered":"

Bu \u00f6d\u0259ni\u015fl\u0259rin s\u0131rf iri banklar vasit\u0259sil\u0259 verilm\u0259sin\u0259 son qoyulmas\u0131 n\u0259l\u0259ri d\u0259yi\u015f\u0259c\u0259k – iqtisad\u00e7\u0131dan \u015f\u0259rh<\/strong><\/p>\n

Bir ne\u00e7\u0259 g\u00fcn \u00f6nc\u0259 M\u0259rk\u0259zi Bank\u0131n s\u0259dri Taleh Kaz\u0131mov iqtisad\u00e7\u0131 ekspertl\u0259rl\u0259 n\u00f6vb\u0259ti g\u00f6r\u00fc\u015f ke\u00e7irib. D\u00f6rd saata yax\u0131n davam ed\u0259n g\u00f6r\u00fc\u015fd\u0259 m\u00fczakir\u0259 edil\u0259n m\u0259s\u0259l\u0259l\u0259rd\u0259n biri d\u0259 pensiya \u00f6d\u0259nilm\u0259si qaydalar\u0131nda d\u0259yi\u015fikliyin edilm\u0259sidir. Qeyd edilib ki, art\u0131q bu \u00f6d\u0259ni\u015fl\u0259rin s\u0131rf iri banklar vasit\u0259sil\u0259 verilm\u0259sin\u0259 son qoyulacaq, v\u0259t\u0259nda\u015flar ist\u0259dikl\u0259ri banklardan \u0259m\u0259khaqq\u0131 v\u0259 pensiyalar\u0131n\u0131 ala bil\u0259c\u0259kl\u0259r.<\/em><\/p>\n

Qeyd ed\u0259k ki, \u0259m\u0259khaqq\u0131, pensiya v\u0259 m\u00fcavin\u0259tl\u0259r \u00f6lk\u0259d\u0259 \u0259sas\u0259n iki bank – Az\u0259rbaycan Beyn\u0259lxalq Bank\u0131 v\u0259 “KapitalBank” vasit\u0259sil\u0259 \u00f6d\u0259nilir. \u018fm\u0259k v\u0259 \u018fhalinin Sosial M\u00fcdafi\u0259si Nazirliyinin ke\u00e7irdiyi tenderl\u0259rin qalibl\u0259ri bir qayda olaraq bu banklar olur. \u018fks\u0259r d\u00f6vl\u0259t qurumlar\u0131 da maa\u015f \u00f6d\u0259ni\u015find\u0259 onlara \u00fcst\u00fcnl\u00fck verirl\u0259r.<\/p>\n

Ekspertl\u0259r bildirirl\u0259r ki, se\u00e7imd\u0259 bu iki banka \u00fcst\u00fcnl\u00fck verilm\u0259si onlar\u0131n x\u00fcsusil\u0259 regionlarda daha \u00e7ox bankomata sahib olmas\u0131 il\u0259 ba\u011fl\u0131d\u0131r. H\u0259r iki bank sovet d\u00f6vr\u00fcnd\u0259n f\u0259aliyy\u0259t g\u00f6st\u0259rir v\u0259 \u00f6lk\u0259d\u0259 \u0259n \u00e7oxsayl\u0131 bankomat \u015f\u0259b\u0259k\u0259sin\u0259 malikdirl\u0259r. \u0130ki bank\u0131n \u00f6lk\u0259 \u00fczr\u0259 \u00fcmumi bankomat say\u0131nda pay\u0131 70 faizd\u0259n yuxar\u0131d\u0131r. M\u0259rk\u0259zi Bank\u0131n a\u00e7\u0131qlad\u0131\u011f\u0131 statistikaya \u0259sas\u0259n, 2024-c\u00fc il \u0259rzind\u0259 \u00f6lk\u0259 \u00fczr\u0259 qura\u015fd\u0131r\u0131lan\u00a0 bankomatlar\u0131n say\u0131 2023-c\u00fc ill\u0259 m\u00fcqayis\u0259d\u0259 6.2 faiz artaraq 3,304 \u0259d\u0259d\u0259 \u00e7at\u0131b. Bu art\u0131m Bak\u0131 \u015f\u0259h\u0259rind\u0259 9.3 faiz, regionlarda is\u0259 2.7 faiz t\u0259\u015fkil edir. AMB b\u0259yan edir ki, banklar t\u0259r\u0259find\u0259n bankomatlar\u0131n qura\u015fd\u0131r\u0131lmas\u0131 v\u0259 regionlar \u00fczr\u0259 b\u00f6lg\u00fcs\u00fcn\u0259 dair q\u0259rarlar onlar\u0131n biznes strategiyalar\u0131 \u0259sas\u0131nda formala\u015fd\u0131r\u0131l\u0131r. Bankomatlar\u0131n qura\u015fd\u0131r\u0131lmas\u0131 zaman\u0131 h\u0259min \u0259razi \u00fczr\u0259 m\u00fc\u015ft\u0259ri say\u0131 v\u0259 t\u0259l\u0259bat\u0131, z\u0259ruri texniki infrastruktur imkanlar\u0131, davaml\u0131 rabit\u0259 t\u0259minat\u0131 kimi m\u0259s\u0259l\u0259l\u0259r diqq\u0259t\u0259 al\u0131n\u0131r.<\/strong><\/p>\n

M\u0259rk\u0259zi Bank\u0131n m\u0259lumat\u0131na g\u00f6r\u0259, 2025-ci il 1 aprel tarixin\u0259 \u00f6lk\u0259 \u00fczr\u0259 bankomat say\u0131 3374-\u0259 \u00e7at\u0131b. Bunun 1806 \u0259d\u0259di Bak\u0131 \u015f\u0259h\u0259rind\u0259, 1568 \u0259d\u0259di regionlardad\u0131r. \u00d6t\u0259n ilin eyni d\u00f6vr\u00fcnd\u0259 \u00fcmumi bankomat say\u0131 3152, o c\u00fcml\u0259d\u0259n Bak\u0131da 1639, regionlarda 1513 olub. Bu is\u0259 o dem\u0259kdir ki, \u00f6lk\u0259 \u00fczr\u0259 \u00fcmumi bankomat say\u0131 7 faiz art\u0131b. Bu zaman Bak\u0131da art\u0131m 10,2 faiz, regionlarda is\u0259 c\u0259mi 3,6 faiz t\u0259\u015fkil edib. Aprelin 1-d\u0259 \u00f6lk\u0259 \u00fczr\u0259 bankomatlar\u0131n daha 238 \u0259d\u0259di Ab\u015feron-X\u0131z\u0131 iqtisadi rayonunda yerl\u0259\u015fib. Qalan iqtisadi regionlardan 4-d\u0259 bankomat say\u0131 100-d\u0259n a\u015fa\u011f\u0131d\u0131r. Bunlar Nax\u00e7\u0131van (97), Mil-Mu\u011fan (86), Da\u011fl\u0131q \u015eirvan (57) v\u0259 \u015e\u0259rqi Z\u0259ng\u0259zurdur(15).<\/p>\n

G\u00f6r\u00fcnd\u00fcy\u00fc kimi, bankomat say\u0131 artsa da, regionlarda olan bu qur\u011fular\u0131n say\u0131ndak\u0131 art\u0131m \u00f6lk\u0259 \u00fczr\u0259 orta dinamikadan \u0259h\u0259miyy\u0259tli d\u0259r\u0259c\u0259d\u0259 geri qal\u0131r. Bir rayonda \u0259n yax\u015f\u0131 halda 7-8 bankomat olur ki, onlar da \u0259sas\u0259n rayon m\u0259rk\u0259zl\u0259rind\u0259 qura\u015fd\u0131r\u0131l\u0131r. Buna g\u00f6r\u0259 d\u0259 d\u00f6vl\u0259t qurumlar\u0131nda \u0259m\u0259khaqlar\u0131, yaxud pensiya v\u0259 m\u00fcavin\u0259tl\u0259r \u00f6d\u0259nil\u0259rk\u0259n regionlarda ABB v\u0259 “KapitalBank” bankomatlar\u0131n\u0131n qar\u015f\u0131s\u0131nda uzun n\u00f6vb\u0259l\u0259r yaran\u0131r. Dig\u0259r banklar\u0131n bankomatlar\u0131n\u0131n rayonlar \u00fczr\u0259 \u0259hat\u0259liliyinin az olmas\u0131 regionlarda dig\u0259r \u00f6d\u0259ni\u015fl\u0259rin d\u0259 iki bank \u00fcz\u0259rind\u0259 c\u0259ml\u0259\u015fm\u0259sin\u0259 s\u0259b\u0259b olur. \u018fks\u0259r ekspertl\u0259r\u0259 g\u00f6r\u0259, bu disbalans\u0131n qar\u015f\u0131s\u0131n\u0131 almaq \u00fc\u00e7\u00fcn ilk n\u00f6vb\u0259d\u0259 dig\u0259r banklara da d\u00f6vl\u0259t \u00f6d\u0259ni\u015fl\u0259rin\u0259 giri\u015f imkan\u0131 verilm\u0259lidir. Bu zaman bir bank\u0131n b\u00fct\u00fcn regionlar\u0131 \u0259hat\u0259 etm\u0259si prinsipind\u0259n qa\u00e7\u0131lmal\u0131, hans\u0131 regionda hans\u0131 bank\u0131n bankomat\u0131 \u00e7oxdursa, ora \u00fczr\u0259 \u00f6d\u0259ni\u015fl\u0259rin onlar\u0131n vasit\u0259sil\u0259 realla\u015fd\u0131r\u0131lmas\u0131na ke\u00e7ilm\u0259lidir. Bildirilir ki, bu, t\u0259dric\u0259n sa\u011flam r\u0259qab\u0259t m\u00fchiti formala\u015fd\u0131racaq, banklar daha \u00e7ox regionda bankomat qurmaqla daha b\u00f6y\u00fck m\u0259bl\u0259\u011fd\u0259 d\u00f6vl\u0259t sifari\u015fi alacaqlar\u0131na \u0259min olmaqla, bankomat \u015f\u0259b\u0259k\u0259l\u0259rini s\u00fcr\u0259tl\u0259 geni\u015fl\u0259ndir\u0259c\u0259k. Bu is\u0259 regionlarda bankomat say\u0131n\u0131n s\u00fcr\u0259tli art\u0131m\u0131n\u0131 t\u0259min etm\u0259kl\u0259 v\u0259t\u0259nda\u015flar\u0131n m\u00fc\u0259yy\u0259n g\u00fcnl\u0259rd\u0259 1-2 bankomat qar\u015f\u0131s\u0131nda uzun-uzad\u0131 n\u00f6vb\u0259l\u0259rd\u0259 qalmas\u0131n\u0131n qar\u015f\u0131s\u0131n\u0131 alacaq.<\/strong><\/p>\n

Onu da qeyd ed\u0259k ki, Az\u0259rbaycan\u0131n bank sektorunda t\u0259m\u0259rk\u00fczl\u0259\u015fm\u0259 y\u00fcks\u0259k h\u0259dd\u0259 \u00e7at\u0131b. M\u0259s\u0259l\u0259n, bu il yanvar\u0131n 1-n\u0259 53 milyard manat t\u0259\u015fkil ed\u0259n bank aktivl\u0259rinin 26 faizi ABB-d\u0259 (13,6 milyard manat), 21 faizi “KapitalBank”da (11,4 milyard manat), 16 faizi “Pa\u015faBank”da (8,2 milyard manat), 6 faizi “XalqBank”da (3 milyard manat) c\u0259ml\u0259\u015fib.<\/p>\n

Bu ilin birinci r\u00fcb\u00fcn\u00fcn sonuna \u00f6lk\u0259 \u00fczr\u0259 37,2 milyard manat olan depozitl\u0259rin 10,2 milyard manat\u0131 ABB-d\u0259, 9 milyard manat\u0131 “KapitalBank”da, 6,3 milyard manat\u0131 “Pa\u015faBank”da, 1,8 milyard manat\u0131 “XalqBank”da, 1,4 milyard manat\u0131 “Az\u0259rT\u00fcrkBank”da c\u0259ml\u0259\u015fib.<\/strong><\/p>\n

H\u0259min d\u00f6vrd\u0259 banklar\u0131n kredit portfelinin h\u0259cmi 27,9 milyard manat t\u0259\u015fkil edib. Bu zaman ABB 6 milyard 468 milyon manatla \u0259n y\u00fcks\u0259k n\u0259tic\u0259 g\u00f6st\u0259r\u0259n bank olub. \u0130kinci \u0259n y\u00fcks\u0259k n\u0259tic\u0259 “KapitalBank”da (5 milyard 338 milyon manat), \u00fc\u00e7\u00fcnc\u00fc \u0259n y\u00fcks\u0259k n\u0259tic\u0259 is\u0259 “Pa\u015faBank”da (3 milyard 285 milyon), d\u00f6rd\u00fcnc\u00fc “XalqBank”da (1 milyard 838 milyon manat), 5-ci “RespublikaBank”da (1,5 milyard manat) qeyd\u0259 al\u0131n\u0131b.<\/p>\n

Maraql\u0131d\u0131r ki, aprel ay\u0131nda d\u00f6vl\u0259t b\u00fcdc\u0259sinin qal\u0131\u011f\u0131 hesab\u0131na \u00f6lk\u0259 banklar\u0131nda q\u0131sam\u00fcdd\u0259tli depozitl\u0259r yerl\u0259\u015fdir\u0259n Maliyy\u0259 Nazirliyi d\u0259 sistem \u0259h\u0259miyy\u0259tli hesab olunan ilk 5 banka \u00fcst\u00fcnl\u00fck verib. Onun iki d\u0259f\u0259y\u0259 yerl\u0259\u015fdirdiyi 1,5 milyard manatl\u0131q depozitl\u0259r h\u0259min banklara h\u0259val\u0259 edilib. Ekspertl\u0259r\u0259 g\u00f6r\u0259, bu c\u00fcr add\u0131mlar bank sektorunda t\u0259m\u0259rk\u00fczl\u0259\u015fm\u0259ni daha da d\u0259rinl\u0259\u015fdirir, dig\u0259r banklar\u0131n inki\u015faf imkanlar\u0131n\u0131 m\u0259hdudla\u015fd\u0131r\u0131r.<\/p>\n

Banklarla ba\u011fl\u0131 dig\u0259r m\u0259s\u0259l\u0259 maa\u015f, pensiya v\u0259 m\u00fcavin\u0259tl\u0259rd\u0259n \u0259lav\u0259, dig\u0259r d\u00f6vl\u0259t qurumlar\u0131na ba\u011fl\u0131 \u00f6d\u0259ni\u015fl\u0259rin d\u0259 \u0259sas\u0259n iki bankda c\u0259ml\u0259\u015fm\u0259sidir. Bura c\u0259rim\u0259 v\u0259 sanksiyalar\u0131n \u00f6d\u0259ni\u015find\u0259n tutmu\u015f, ayr\u0131-ayr\u0131 d\u00f6vl\u0259t qurumlar\u0131n\u0131n t\u0259qdim etdikl\u0259ri pullu xidm\u0259tl\u0259rin d\u0259y\u0259rinin \u00f6d\u0259ni\u015fin\u0259 q\u0259d\u0259r \u00e7oxsayl\u0131 prosesl\u0259r aiddir.<\/em><\/p>\n

\"M\u0259hk\u0259m\u0259-h\u00fcquq<\/em><\/p>\n

\u00a0\u018fkr\u0259m H\u0259s\u0259nov<\/strong><\/em><\/p>\n

Bank sah\u0259si \u00fczr\u0259 m\u00fct\u0259x\u0259ssis, h\u00fcquq\u015f\u00fcnas \u018fkr\u0259m H\u0259s\u0259novun dediyin\u0259 g\u00f6r\u0259, \u00f6lk\u0259 qanunvericiliyi \u0259m\u0259khaqq\u0131, pensiya v\u0259 m\u00fcavin\u0259t alan v\u0259t\u0259nda\u015flara ist\u0259diyi bank\u0131n xidm\u0259tind\u0259n istifad\u0259d\u0259 s\u0259rb\u0259st se\u00e7im n\u0259z\u0259rd\u0259 tutur:<\/strong>\u00a0\u201cM\u0259n bu m\u0259s\u0259l\u0259ni ilk d\u0259f\u0259 2 il \u0259vv\u0259l Taleh Kaz\u0131movla ekspertl\u0259rin g\u00f6r\u00fc\u015f\u00fcnd\u0259 qald\u0131rm\u0131\u015fd\u0131m. Onda Taleh m\u00fc\u0259llim demi\u015fdi ki, m\u0259s\u0259l\u0259 il\u0259 m\u0259\u015f\u011ful olurlar. D\u00f6vl\u0259t qurumlar\u0131n\u0131n t\u0259qdim etdikl\u0259ri pullu xidm\u0259tl\u0259rin d\u0259y\u0259rinin hans\u0131sa bank vasit\u0259sil\u0259 \u00f6d\u0259nilm\u0259si h\u0259min qurumlar\u0131n hesablar\u0131n\u0131n hans\u0131 bankda olmas\u0131ndan as\u0131l\u0131d\u0131r. Y\u0259ni \u018fdliyy\u0259 Nazirliyinin hesab\u0131 tutal\u0131m, ABB-d\u0259dirs\u0259, onun t\u0259qdim etdiyi notarial xidm\u0259tin haqq\u0131 da avtomatik o bankla \u00f6d\u0259nm\u0259lidir. N\u0259inki d\u00f6vl\u0259t qurumlar\u0131, \u00f6z\u0259l \u015firk\u0259tl\u0259r d\u0259 bir \u00e7ox hallarda bir ne\u00e7\u0259 bank\u0131 se\u00e7ir. D\u00f6vl\u0259t v\u0259 \u00f6z\u0259l qurumlar\u0131n bu se\u00e7imini anlamaq olur, \u00e7\u00fcnki banklar bu v\u0259 ya ba\u015fqa s\u0259b\u0259bd\u0259n iflas ed\u0259nd\u0259 onlarda olan hesablardak\u0131 pullar faktiki olaraq bat\u0131r. \u00c7\u00fcnki bank ba\u011flananda ilk n\u00f6vb\u0259d\u0259 onun qorunan \u0259man\u0259tl\u0259ri qaytar\u0131l\u0131r, sonra cari hesablardak\u0131 pullar\u0131n qaytar\u0131lmas\u0131na bax\u0131l\u0131r. Burada da ciddi qanun pozuntular\u0131na yol verilir ki, n\u0259tic\u0259d\u0259 \u015firk\u0259t v\u0259 d\u00f6vl\u0259t qurumlar\u0131n\u0131n bank hesablar\u0131nda qalan v\u0259saitl\u0259r itirilir. Buna g\u00f6r\u0259 d\u0259 h\u0259r bir qurum \u00e7al\u0131\u015f\u0131r ki, hesab\u0131n\u0131 etibarl\u0131 bankda a\u00e7s\u0131n – el\u0259 bankda ki, ba\u011flansa, d\u00f6vl\u0259t onun \u00f6hd\u0259likl\u0259rini \u00fcz\u0259rin\u0259 g\u00f6t\u00fcrs\u00fcn. Do\u011frudur, se\u00e7imin s\u0259b\u0259bi n\u0259 olsa da, bu da t\u0259m\u0259rk\u00fczl\u0259\u015fm\u0259dir v\u0259 burada da t\u0259nziml\u0259m\u0259y\u0259 ehtiyac var. Lakin \u0259sas m\u0259s\u0259l\u0259 \u0259m\u0259k haqq\u0131 v\u0259 pensiya \u00f6d\u0259ni\u015fl\u0259ri il\u0259 ba\u011fl\u0131d\u0131r. M\u0259rk\u0259zi Bank\u0131 \u0259n \u00e7ox narahat ed\u0259n bu sah\u0259d\u0259ki t\u0259m\u0259rk\u00fczl\u0259\u015fm\u0259dir. M\u0259n d\u0259f\u0259l\u0259rl\u0259 demi\u015f\u0259m, \u0259m\u0259khaqq\u0131 v\u0259 pensiya \u00f6d\u0259ni\u015fl\u0259rinin hans\u0131sa bir banka ba\u011flanmas\u0131 qanunaziddir. Az\u0259rbaycan qanunvericiliyin\u0259 g\u00f6r\u0259, h\u0259r bir \u015f\u0259xsin \u00f6z maa\u015f v\u0259 pensiyas\u0131n\u0131 ist\u0259diyi bankdan almaq h\u00fcququ var. Lakin reall\u0131qda qanunvericiliyin bu t\u0259l\u0259bin\u0259 \u0259m\u0259l olunmur. Bel\u0259 ki, hans\u0131sa bankdan \u0259m\u0259khaqq\u0131 v\u0259 ya pensiya almaq \u00fc\u00e7\u00fcn v\u0259t\u0259nda\u015fla h\u0259min bank aras\u0131nda hesab a\u00e7\u0131lmas\u0131 v\u0259 hesab\u0131n idar\u0259 olunmas\u0131na dair k\u00f6n\u00fcll\u00fc m\u00fcqavil\u0259 imzalanmal\u0131d\u0131r. Bizd\u0259 bel\u0259 m\u00fcqavil\u0259 imzalanm\u0131r, sad\u0259c\u0259, v\u0259t\u0259nda\u015fa bildirilir ki, s\u0259n\u0259 bank kart\u0131 g\u00f6nd\u0259rir\u0259m, maa\u015f\u0131n\u0131, pensiyan\u0131 onunla alacaqsan. Bu is\u0259 kobud qanun pozuntusudur\u201d.<\/p>\n

Ekspert bildirir ki, d\u00f6vl\u0259t qurumlar\u0131 il\u0259 yana\u015f\u0131 \u00f6z\u0259l qurumlar da \u0259m\u0259khaqq\u0131n\u0131 bir bankla \u00f6d\u0259m\u0259kl\u0259 i\u015f\u00e7il\u0259rin h\u00fcququnu pozurlar:<\/strong>\u00a0\u201cHalbuki v\u0259t\u0259nda\u015f maa\u015f\u0131n\u0131, pensiyas\u0131n\u0131 ona yax\u0131n olan, rahat olan, xidm\u0259t keyfiyy\u0259tin\u0259 inand\u0131\u011f\u0131 bankdan almaqda s\u0259rb\u0259st olmal\u0131d\u0131r. Bu g\u00fcn v\u0259t\u0259nda\u015flar\u0131n bu h\u00fcququ pozulur dey\u0259 \u0259ks\u0259r \u00f6d\u0259ni\u015fl\u0259r iki bankda c\u0259ml\u0259\u015fib. Siz diqq\u0259t yetirin, g\u00f6r\u00fcn, bank kartlar\u0131ndan o\u011furluq daha \u00e7ox hans\u0131 banklar\u0131n kartlar\u0131nda qeyd\u0259 al\u0131n\u0131r? Bunun \u0259sas s\u0259b\u0259bi odur ki, \u00e7oxsayl\u0131 m\u00fc\u015ft\u0259ril\u0259r\u0259 xidm\u0259t y\u00fckl\u0259nib 1-2 bankda, n\u0259 normal xidm\u0259t keyfiyy\u0259tini t\u0259min ed\u0259 bilirl\u0259r, n\u0259 d\u0259 t\u0259hl\u00fck\u0259sizliyi. Bax bu v\u0259ziyy\u0259tin aradan qald\u0131r\u0131lmas\u0131 \u00fc\u00e7\u00fcn M\u0259rk\u0259zi Bank laz\u0131m olan, qanunvericiliyin t\u0259l\u0259b etdiyi add\u0131mlar\u0131 atmal\u0131d\u0131r v\u0259 atacaq. Bu, h\u0259m d\u0259 kreditl\u0259 ba\u011fl\u0131 yaranan \u00e7oxsayl\u0131 probleml\u0259ri aradan qald\u0131racaq. Bel\u0259 ki, \u00e7ox qanunsuz proses gedir: h\u0259min iki bank\u0131n m\u0259cburi m\u00fc\u015ft\u0259risi olan adamlar\u0131n kredit borcu yarananda banklar m\u0259hk\u0259m\u0259 q\u0259rar\u0131 olmadan h\u0259min \u015f\u0259xsl\u0259rin maa\u015f v\u0259 pensiyas\u0131n\u0131 borca silir. \u00d6z\u00fc d\u0259 bir \u00e7ox hallarda b\u00fct\u00fcn m\u0259bl\u0259\u011fi. Halbuki qanun bunu qada\u011fan edir. V\u0259t\u0259nda\u015f gedib n\u0259 q\u0259d\u0259r des\u0259 d\u0259 ki, m\u0259nim maa\u015f\u0131m, pensiyam ba\u015fqa bankla verilsin, \u0259m\u0259l ed\u0259n olmur. \u00dcmid edir\u0259m ki, M\u0259rk\u0259zi Bank\u0131n ataca\u011f\u0131 add\u0131mlar b\u00fct\u00fcn bu qanunsuzluqlar\u0131 aradan qald\u0131rma\u011fa imkan ver\u0259c\u0259k\u201d.<\/p>\n","protected":false},"excerpt":{"rendered":"

Bu \u00f6d\u0259ni\u015fl\u0259rin s\u0131rf iri banklar vasit\u0259sil\u0259 verilm\u0259sin\u0259 son qoyulmas\u0131 n\u0259l\u0259ri d\u0259yi\u015f\u0259c\u0259k – iqtisad\u00e7\u0131dan \u015f\u0259rh Bir ne\u00e7\u0259 g\u00fcn \u00f6nc\u0259 M\u0259rk\u0259zi Bank\u0131n s\u0259dri Taleh Kaz\u0131mov iqtisad\u00e7\u0131 ekspertl\u0259rl\u0259 n\u00f6vb\u0259ti g\u00f6r\u00fc\u015f ke\u00e7irib. D\u00f6rd saata yax\u0131n davam ed\u0259n g\u00f6r\u00fc\u015fd\u0259 m\u00fczakir\u0259 edil\u0259n m\u0259s\u0259l\u0259l\u0259rd\u0259n biri d\u0259 pensiya \u00f6d\u0259nilm\u0259si qaydalar\u0131nda d\u0259yi\u015fikliyin edilm\u0259sidir. Qeyd edilib ki, art\u0131q bu \u00f6d\u0259ni\u015fl\u0259rin s\u0131rf iri banklar vasit\u0259sil\u0259 verilm\u0259sin\u0259 son qoyulacaq, v\u0259t\u0259nda\u015flar ist\u0259dikl\u0259ri banklardan \u0259m\u0259khaqq\u0131 v\u0259 pensiyalar\u0131n\u0131 ala bil\u0259c\u0259kl\u0259r. Qeyd ed\u0259k ki, \u0259m\u0259khaqq\u0131, pensiya v\u0259 m\u00fcavin\u0259tl\u0259r \u00f6lk\u0259d\u0259 \u0259sas\u0259n iki bank – Az\u0259rbaycan Beyn\u0259lxalq Bank\u0131 v\u0259 “KapitalBank” vasit\u0259sil\u0259 \u00f6d\u0259nilir. \u018fm\u0259k v\u0259 \u018fhalinin Sosial M\u00fcdafi\u0259si Nazirliyinin…<\/p>\n","protected":false},"author":2,"featured_media":803142,"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\/2025\/04\/b8610375fa26271de9261f33ae76b920.jpg",870,500,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/b8610375fa26271de9261f33ae76b920.jpg",870,500,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/b8610375fa26271de9261f33ae76b920.jpg",870,500,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/b8610375fa26271de9261f33ae76b920-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/b8610375fa26271de9261f33ae76b920-635x365.jpg",635,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/b8610375fa26271de9261f33ae76b920-840x483.jpg",640,368,true],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/b8610375fa26271de9261f33ae76b920.jpg",870,500,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/b8610375fa26271de9261f33ae76b920.jpg",870,500,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/b8610375fa26271de9261f33ae76b920-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/b8610375fa26271de9261f33ae76b920.jpg",870,500,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":"Bu \u00f6d\u0259ni\u015fl\u0259rin s\u0131rf iri banklar vasit\u0259sil\u0259 verilm\u0259sin\u0259 son qoyulmas\u0131 n\u0259l\u0259ri d\u0259yi\u015f\u0259c\u0259k – iqtisad\u00e7\u0131dan \u015f\u0259rh Bir ne\u00e7\u0259 g\u00fcn \u00f6nc\u0259 M\u0259rk\u0259zi Bank\u0131n s\u0259dri Taleh Kaz\u0131mov iqtisad\u00e7\u0131 ekspertl\u0259rl\u0259 n\u00f6vb\u0259ti g\u00f6r\u00fc\u015f ke\u00e7irib. D\u00f6rd saata yax\u0131n davam ed\u0259n g\u00f6r\u00fc\u015fd\u0259 m\u00fczakir\u0259 edil\u0259n m\u0259s\u0259l\u0259l\u0259rd\u0259n biri d\u0259 pensiya \u00f6d\u0259nilm\u0259si qaydalar\u0131nda d\u0259yi\u015fikliyin edilm\u0259sidir. Qeyd edilib ki, art\u0131q bu \u00f6d\u0259ni\u015fl\u0259rin s\u0131rf iri banklar vasit\u0259sil\u0259 verilm\u0259sin\u0259…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/803141"}],"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=803141"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/803141\/revisions"}],"predecessor-version":[{"id":803143,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/803141\/revisions\/803143"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/803142"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=803141"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=803141"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=803141"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}