{"id":810701,"date":"2025-06-12T19:39:44","date_gmt":"2025-06-12T15:39:44","guid":{"rendered":"https:\/\/arantv.az\/?p=810701"},"modified":"2025-06-12T19:39:44","modified_gmt":"2025-06-12T15:39:44","slug":"10-12-faizli-banka-yox-pensiya-fonduna-yeni-qanun-yeni-suallar","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=810701","title":{"rendered":"10-12 faizli banka yox, pensiya fonduna? \u2013 Yeni qanun, yeni suallar"},"content":{"rendered":"<p><strong>\u201c\u00d6z\u0259l pensiya fondlar\u0131 il\u0259 ba\u011fl\u0131 qanun q\u0259bul edil\u0259, mexanizml\u0259r yarad\u0131la, h\u0259tta bu fond f\u0259aliyy\u0259t\u0259 d\u0259 ba\u015flaya bil\u0259r. Amma bunun u\u011furlu olmas\u0131 \u00fc\u00e7\u00fcn dig\u0259r \u015f\u0259rtl\u0259r \u00f6n\u0259mlidir. B\u00f6y\u00fck resurs v\u0259 \u0259m\u0259k t\u0259l\u0259b edir. Fondun u\u011furlu f\u0259aliyy\u0259t g\u00f6st\u0259rm\u0259si \u00fc\u00e7\u00fcn iqtisadi \u015f\u0259rtl\u0259r bir q\u0259d\u0259r f\u0259rqlilik t\u0259l\u0259b edir\u201d.<\/strong><\/p>\n<p>Bunu\u00a0<strong>Musavat.com<\/strong>-a a\u00e7\u0131qlamas\u0131nda iqtisad\u00e7\u0131 Eld\u0259niz \u018fmirov deyib.<\/p>\n<p><img loading=\"lazy\" src=\"https:\/\/cdn.musavat.com\/news\/thumbnails\/de119f4c1fd4e3dca9187abc296c0b2f.jpg\" alt=\"ELDAN\u0130Z YEN\u0130.jpeg (150 KB)\" width=\"700\" height=\"682\" \/><\/p>\n<p><strong>Ekspert bildirib ki, bu c\u00fcr fondlar o \u00f6lk\u0259l\u0259rd\u0259 u\u011furlu f\u0259aliyy\u0259t g\u00f6st\u0259rir ki, orada dig\u0259r investisiya fondlar\u0131n\u0131n g\u0259lirlilik s\u0259viyy\u0259si \u00e7ox yuxar\u0131d\u0131r, investisiya bank\u00e7\u0131l\u0131\u011f\u0131 inki\u015faf edib:<\/strong><\/p>\n<p>\u201c\u0130qtisadiyyata investisiya yat\u0131rmaq \u00fc\u00e7\u00fcn maliyy\u0259 v\u0259saiti kifay\u0259t q\u0259d\u0259r deyil. N\u0259 q\u0259d\u0259r v\u0259sait varsa, iqtisadiyyat onu h\u0259zm edir. N\u0259tic\u0259d\u0259 \u0259lav\u0259 v\u0259sait\u0259 ehtiyac yaran\u0131r. Bu zaman pensiya fondu \u00f6z m\u00f6vcudlu\u011fu il\u0259 iqtisadiyyat\u0131n pula olan ehtiyac\u0131n\u0131 \u00f6d\u0259y\u0259r\u0259k \u00e7\u0131x\u0131\u015f edir. Y\u0259ni pensiya fondu y\u0131\u011f\u0131lm\u0131\u015f v\u0259saiti m\u00fcxt\u0259lif istiqam\u0259tl\u0259r\u0259 y\u00f6n\u0259ld\u0259r\u0259k g\u0259lir \u0259ld\u0259 edir v\u0259 bu g\u0259lirl\u0259 h\u0259m fond saxlan\u0131l\u0131r, h\u0259m \u00f6z kapital\u0131n\u0131 art\u0131r\u0131r, h\u0259m d\u0259 ona pensiyas\u0131n\u0131 \u0259man\u0259t etmi\u015f \u015f\u0259xsl\u0259ri g\u0259l\u0259c\u0259kd\u0259 t\u0259qa\u00fcdl\u0259 t\u0259min edir\u201d.<\/p>\n<p><strong>\u0130qtisad\u00e7\u0131 qeyd edib\u00a0ki, bu m\u0259s\u0259l\u0259d\u0259 inflyasiya g\u00f6zl\u0259ntisini v\u0259 indeksasiya olunman\u0131 da n\u0259z\u0259r\u0259 alamq laz\u0131md\u0131r:<\/strong><\/p>\n<p>\u201cBunlar fondun f\u0259aliyy\u0259tinin u\u011furlu olmas\u0131 hal\u0131nda m\u00fcmk\u00fcnd\u00fcr. B\u00fct\u00fcn hallarda \u00f6z\u0259l pensiya fondu il\u0259 ba\u011fl\u0131 m\u0259s\u0259l\u0259 \u00e7ox d\u0259rin prosesdir. Bu, b\u00fct\u00fcn \u00f6lk\u0259l\u0259rd\u0259 u\u011furlu olmur. O \u00f6lk\u0259l\u0259rd\u0259 u\u011furlu olur ki, iqtisadiyyat\u0131n \u0259lav\u0259 pula ehtiyac\u0131 var. Ba\u015fqa s\u00f6zl\u0259 des\u0259k, v\u0259t\u0259nda\u015f hans\u0131sa bank\u0131n 10-12 faizlik depozitind\u0259n imtina ed\u0259r\u0259k \u00f6z v\u0259saitini bu fonda yat\u0131rmal\u0131d\u0131r. Bu g\u00fcn yarad\u0131lacaq pensiya fondu v\u0259t\u0259nda\u015fa bank\u0131n t\u0259klif etdiyi 10-12 faizd\u0259n illik olaraq daha art\u0131q v\u0259sait qazand\u0131ra bil\u0259c\u0259kmi? Bu o halda u\u011furlu ola bil\u0259r ki, depozit portfeli kredit portfelinin alt\u0131nda olsun. Bizd\u0259 is\u0259 \u0259ksin\u0259dir. Ona g\u00f6r\u0259 d\u0259 fondun f\u0259aliyy\u0259tinin u\u011furlu olaca\u011f\u0131na dair suallar \u00e7oxdur\u201d.<\/p>\n<p>Qeyd ed\u0259k ki, Az\u0259rbaycanda qeyri-d\u00f6vl\u0259t pensiya fondlar\u0131 il\u0259 ba\u011fl\u0131 h\u00fcquqi bazan\u0131n tam formala\u015fd\u0131r\u0131lmas\u0131 \u00fc\u00e7\u00fcn \u201cQeyri-d\u00f6vl\u0259t pensiya fondlar\u0131 haqq\u0131nda\u201d Az\u0259rbaycan Respublikas\u0131n\u0131n Qanun layih\u0259si haz\u0131rlan\u0131b. M\u0259lumata g\u00f6r\u0259, layih\u0259 aidiyy\u0259ti qurumlarla raz\u0131la\u015fd\u0131rma m\u0259rh\u0259l\u0259sind\u0259dir.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u201c\u00d6z\u0259l pensiya fondlar\u0131 il\u0259 ba\u011fl\u0131 qanun q\u0259bul edil\u0259, mexanizml\u0259r yarad\u0131la, h\u0259tta bu fond f\u0259aliyy\u0259t\u0259 d\u0259 ba\u015flaya bil\u0259r. Amma bunun u\u011furlu olmas\u0131 \u00fc\u00e7\u00fcn dig\u0259r \u015f\u0259rtl\u0259r \u00f6n\u0259mlidir. B\u00f6y\u00fck resurs v\u0259 \u0259m\u0259k t\u0259l\u0259b edir. Fondun u\u011furlu f\u0259aliyy\u0259t g\u00f6st\u0259rm\u0259si \u00fc\u00e7\u00fcn iqtisadi \u015f\u0259rtl\u0259r bir q\u0259d\u0259r f\u0259rqlilik t\u0259l\u0259b edir\u201d. Bunu\u00a0Musavat.com-a a\u00e7\u0131qlamas\u0131nda iqtisad\u00e7\u0131 Eld\u0259niz \u018fmirov deyib. Ekspert bildirib ki, bu c\u00fcr fondlar o \u00f6lk\u0259l\u0259rd\u0259 u\u011furlu f\u0259aliyy\u0259t g\u00f6st\u0259rir ki, orada dig\u0259r investisiya fondlar\u0131n\u0131n g\u0259lirlilik s\u0259viyy\u0259si \u00e7ox yuxar\u0131d\u0131r, investisiya bank\u00e7\u0131l\u0131\u011f\u0131 inki\u015faf edib: \u201c\u0130qtisadiyyata investisiya yat\u0131rmaq \u00fc\u00e7\u00fcn maliyy\u0259 v\u0259saiti kifay\u0259t q\u0259d\u0259r deyil. N\u0259 q\u0259d\u0259r v\u0259sait varsa, iqtisadiyyat onu h\u0259zm edir.&hellip;<\/p>\n","protected":false},"author":2,"featured_media":810702,"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\/06\/7fe5186fd6f1fde2327022f353a24d6b.jpg",690,462,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/06\/7fe5186fd6f1fde2327022f353a24d6b.jpg",690,462,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/06\/7fe5186fd6f1fde2327022f353a24d6b.jpg",690,462,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/06\/7fe5186fd6f1fde2327022f353a24d6b-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/06\/7fe5186fd6f1fde2327022f353a24d6b-545x365.jpg",545,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/06\/7fe5186fd6f1fde2327022f353a24d6b.jpg",640,429,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/06\/7fe5186fd6f1fde2327022f353a24d6b.jpg",690,462,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/06\/7fe5186fd6f1fde2327022f353a24d6b.jpg",690,462,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/06\/7fe5186fd6f1fde2327022f353a24d6b-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/06\/7fe5186fd6f1fde2327022f353a24d6b.jpg",690,462,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":"\u201c\u00d6z\u0259l pensiya fondlar\u0131 il\u0259 ba\u011fl\u0131 qanun q\u0259bul edil\u0259, mexanizml\u0259r yarad\u0131la, h\u0259tta bu fond f\u0259aliyy\u0259t\u0259 d\u0259 ba\u015flaya bil\u0259r. Amma bunun u\u011furlu olmas\u0131 \u00fc\u00e7\u00fcn dig\u0259r \u015f\u0259rtl\u0259r \u00f6n\u0259mlidir. B\u00f6y\u00fck resurs v\u0259 \u0259m\u0259k t\u0259l\u0259b edir. Fondun u\u011furlu f\u0259aliyy\u0259t g\u00f6st\u0259rm\u0259si \u00fc\u00e7\u00fcn iqtisadi \u015f\u0259rtl\u0259r bir q\u0259d\u0259r f\u0259rqlilik t\u0259l\u0259b edir\u201d. Bunu\u00a0Musavat.com-a a\u00e7\u0131qlamas\u0131nda iqtisad\u00e7\u0131 Eld\u0259niz \u018fmirov deyib. Ekspert bildirib ki, bu c\u00fcr fondlar&hellip;","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/810701"}],"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=810701"}],"version-history":[{"count":2,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/810701\/revisions"}],"predecessor-version":[{"id":810704,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/810701\/revisions\/810704"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/810702"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=810701"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=810701"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=810701"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}