{"id":811734,"date":"2025-06-19T10:20:48","date_gmt":"2025-06-19T06:20:48","guid":{"rendered":"https:\/\/arantv.az\/?p=811734"},"modified":"2025-06-19T10:20:48","modified_gmt":"2025-06-19T06:20:48","slug":"pensiyalarla-bagli-mujd%c9%99-yeni-proses-baslanir","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=811734","title":{"rendered":"Pensiyalarla ba\u011fl\u0131 m\u00fcjd\u0259 – yeni proses ba\u015flan\u0131r"},"content":{"rendered":"

\u018fm\u0259k v\u0259 \u018fhalinin Sosial M\u00fcdafi\u0259si Nazirliyinin m\u0259lumat\u0131na g\u00f6r\u0259, Az\u0259rbaycanda \u0259m\u0259k qanunvericiliyin\u0259 200-\u0259 yax\u0131n d\u0259yi\u015fiklik \u00fcz\u0259rind\u0259 i\u015fl\u0259r tamamlanmaq \u00fczr\u0259dir. Onlardan bir qismi \u018fm\u0259k M\u0259c\u0259ll\u0259sin\u0259 d\u0259yi\u015fiklikl\u0259r, b\u0259zil\u0259ri is\u0259 yeni aktlar kimi t\u0259klif olunur.<\/strong><\/p>\n

Dig\u0259r profil qurumlarla raz\u0131la\u015fd\u0131rmaqda olan qanun layih\u0259l\u0259rind\u0259n biri d\u0259 \u201cQeyri-d\u00f6vl\u0259t (\u00f6z\u0259l) pensiya fondar\u0131\u201d il\u0259 ba\u011fl\u0131d\u0131r. \u00d6z\u0259l pensiya fondlar\u0131n\u0131n yarad\u0131lmas\u0131 il\u0259 ba\u011fl\u0131 20-d\u0259n \u00e7ox normativ h\u00fcquqi akt layih\u0259si haz\u0131rlan\u0131b. Deputat V\u00fcqar Bayramov bu bar\u0259d\u0259 sosial media hesab\u0131nda yaz\u0131b.<\/p>\n

B\u0259s \u00f6z\u0259l pensiya fondlar\u0131n\u0131n yarad\u0131lmas\u0131 v\u0259t\u0259nda\u015flara n\u0259 qazand\u0131racaq? Deputat qeyd edib ki, \u0259ks\u0259r inki\u015faf etmi\u015f d\u00f6vl\u0259tl\u0259rd\u0259 v\u0259t\u0259nda\u015flar \u00f6z\u0259l pensiya fondlar\u0131ndan \u00e7ox s\u0131x \u015f\u0259kild\u0259 istifad\u0259 edirl\u0259r: \u201c\u00d6z\u0259l pensiya fondu imkan verir ki, v\u0259t\u0259nda\u015flar pensiya ya\u015f\u0131na \u00e7atd\u0131qda yaln\u0131z d\u00f6vl\u0259td\u0259n deyil, \u00f6z\u0259l fonddan da pensiya ala bilsin. Bu da, t\u0259bii ki, pensiya m\u0259bl\u0259\u011finin artmas\u0131na g\u0259tirib \u00e7\u0131xar\u0131r. Bu kontekstd\u0259n, ox\u015far praktikan\u0131n Az\u0259rbaycanda t\u0259tbiq edilm\u0259sin\u0259 ehtiyac var idi. \u00d6z\u0259l pensiya fondu yarad\u0131larsa, v\u0259t\u0259nda\u015f pensiyaya \u00e7\u0131xan zaman iki m\u0259nb\u0259d\u0259n pensiya ala bil\u0259c\u0259k. M\u0259s\u0259l\u0259n, \u0259g\u0259r onun pensiya m\u0259bl\u0259\u011fi 600 manatd\u0131rsa, \u00f6z\u0259l pensiya fonduna \u00f6d\u0259diyi \u00f6d\u0259ni\u015fl\u0259r n\u0259tic\u0259sind\u0259 \u0259lav\u0259 olaraq, 300 manat almaq imkan\u0131 qazanacaq\u201d.<\/p>\n

Onun bildirdiyin\u0259 g\u00f6r\u0259, bu n\u00fcmun\u0259d\u0259, v\u0259t\u0259nda\u015f 600 manat deyil, 900 manat pensiya ala bil\u0259c\u0259k: \u201cT\u0259bii ki, \u00f6z\u0259l fonddan \u00f6d\u0259nil\u0259n pensiya m\u0259bl\u0259\u011fi birba\u015fa y\u0131\u011f\u0131mlardan as\u0131l\u0131 olacaq. Bu zaman daha \u00e7ox y\u0131\u011f\u0131m daha \u00e7ox pensiya m\u0259bl\u0259\u011fi dem\u0259k olacaq. \u00d6z\u0259l pensiya fondlar\u0131n\u0131n dig\u0259r s\u0259ciyy\u0259vi x\u00fcsusiyy\u0259ti h\u0259min fondda y\u0131\u011f\u0131lan pensiya kapital\u0131ndan daha tez istifad\u0259 imkan\u0131d\u0131r. \u018fks\u0259r d\u00f6vl\u0259tl\u0259rd\u0259 \u00f6z\u0259l fondlarda y\u0131\u011f\u0131lan kapitaldan pensiya ya\u015f\u0131ndan \u0259vv\u0259l istifad\u0259 imkanlar\u0131 var\u201d.<\/p>\n

Qeyd ed\u0259k ki, Az\u0259rbaycanda \u00f6z\u0259l pensiya sisteminin 2026-c\u0131 ilin \u0259vv\u0259lind\u0259n f\u0259aliyy\u0259t\u0259 ba\u015flayaca\u011f\u0131 g\u00f6zl\u0259nilir. S\u0131\u011forta bazar\u0131ndak\u0131 m\u0259nb\u0259l\u0259rin APA-ya bildirdiyin\u0259 g\u00f6r\u0259, \u201cQeyri-d\u00f6vl\u0259t pensiya fondlar\u0131 haqq\u0131nda\u201d qanun layih\u0259si D\u00f6vl\u0259t Sosial M\u00fcdafi\u0259 Fondu t\u0259r\u0259find\u0259n aidiyy\u0259ti qurumlarla, o c\u00fcml\u0259d\u0259n M\u0259rk\u0259zi Bankla m\u00fczakir\u0259 edilir. Bildirilib ki, v\u0259t\u0259nda\u015flar pensiya kapital\u0131n\u0131n bir hiss\u0259sini \u00f6z\u0259l pensiya fondlar\u0131na y\u00f6n\u0259ltm\u0259 imkan\u0131 \u0259ld\u0259 ed\u0259c\u0259k. V\u0259t\u0259nda\u015f 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. Pensiya kapital\u0131n\u0131n DSMF-d\u0259 qalan hiss\u0259sind\u0259n is\u0259 t\u0259qa\u00fcd almaqda davam ed\u0259c\u0259k. Birba\u015fa g\u00f6t\u00fcr\u00fcl\u0259c\u0259k pensiya \u00f6d\u0259ni\u015finin 50-70 faizi civar\u0131nda ola bil\u0259c\u0259yi bildirilir. Bununla bel\u0259, v\u0259t\u0259nda\u015f\u0131n bu sistem\u0259 qo\u015fula bil\u0259c\u0259yi v\u0259 birba\u015fa pensiya m\u0259bl\u0259\u011find\u0259n istifad\u0259 ed\u0259 bil\u0259c\u0259yi ya\u015f, o c\u00fcml\u0259d\u0259n \u00f6d\u0259nil\u0259c\u0259k birba\u015fa pensiya m\u0259bl\u0259\u011fi v\u0259 b\u0259zi dig\u0259r m\u0259qamlar h\u0259l\u0259lik m\u00fczakir\u0259 predmetidir.<\/p>\n

Qeyd edilib ki, burada a\u00e7\u0131q qalan m\u0259s\u0259l\u0259l\u0259rd\u0259n biri \u0259halinin b\u00f6y\u00fck qisminin minimum \u0259m\u0259k haqq\u0131 m\u00fcqabilind\u0259 pensiya kapital\u0131n\u0131n daha a\u015fa\u011f\u0131 olmas\u0131d\u0131r. Bu is\u0259 ancaq onlar\u0131n minimal pensiya m\u0259bl\u0259\u011fini formala\u015fd\u0131rma\u011fa kifay\u0259t edir.<\/p>\n

M\u00fczakir\u0259 predmeti olan m\u0259s\u0259l\u0259l\u0259rd\u0259n biri is\u0259 \u00f6z\u0259l pensiya sisteminin \u00f6z\u0259l pensiya fondu v\u0259 ya h\u0259yat s\u0131\u011forta \u015firk\u0259tl\u0259ri v\u0259sit\u0259sil\u0259 h\u0259yata ke\u00e7iril\u0259c\u0259yidir. Bildirilib ki, \u00f6z\u0259l pensiya sisteminin h\u0259yat s\u0131\u011forta \u015firk\u0259tl\u0259ri v\u0259sit\u0259sil\u0259 h\u0259yata ke\u00e7irilm\u0259si s\u0131\u011forta bazar\u0131n\u0131n inki\u015faf\u0131 \u00fc\u00e7\u00fcn yeni t\u0259kan ola bil\u0259r. S\u0131\u011forta bazar\u0131 h\u0259r il minimum 400 milyon manat civar\u0131nda arta bil\u0259r. Bu is\u0259 s\u0131\u011forta bazar\u0131n\u0131n M\u0259rk\u0259zi Bank\u0131n 2028-ci il\u0259 q\u0259d\u0259r \u00fcmumdaxili m\u0259hsulun 3 faizi civar\u0131na \u00e7at\u0131r\u0131lmas\u0131 il\u0259 ba\u011fl\u0131 h\u0259d\u0259fin\u0259 uy\u011fundur.<\/strong><\/p>\n

\u00d6z\u0259l pensiya fondu il\u0259 ba\u011fl\u0131 bir s\u0131ra m\u00fch\u00fcm m\u0259qamlar var. Bunlardan biri h\u0259min fonda toplanacaq v\u0259saitin m\u0259nb\u0259yi bar\u0259d\u0259dir. \u00d6z\u0259l pensiya fondu t\u0259cr\u00fcb\u0259si t\u0259tbiq olunan \u00f6lk\u0259l\u0259rd\u0259 ad\u0259t\u0259n \u00f6d\u0259ni\u015fl\u0259r r\u0259smil\u0259\u015f\u0259n \u0259m\u0259khaqq\u0131ndan h\u0259yata ke\u00e7irilir. Az\u0259rbaycanda bel\u0259 \u00f6d\u0259ni\u015fl\u0259rin yaln\u0131z \u0259m\u0259k haqq\u0131na ba\u011flanmas\u0131 \u00f6d\u0259ni\u015f imkanlar\u0131n\u0131 m\u0259hdudla\u015fd\u0131racaq. Bel\u0259 ki, \u0259vv\u0259la, \u00f6lk\u0259d\u0259 \u0259m\u0259khaqq\u0131n\u0131n real m\u0259bl\u0259\u011finin r\u0259smil\u0259\u015fdirilm\u0259m\u0259si hallar\u0131 kifay\u0259t q\u0259d\u0259r \u00e7oxdur. \u00d6z\u0259l sektorda geni\u015f t\u0259\u015f\u0259kk\u00fcl tapan bu t\u0259cr\u00fcb\u0259y\u0259 \u0259sas\u0259n i\u015f\u00e7inin maa\u015f\u0131 \u0259ks\u0259r hallarda yaln\u0131z minimum \u0259m\u0259khaqq\u0131 m\u0259bl\u0259\u011find\u0259 r\u0259smil\u0259\u015fdirilir, qalan hiss\u0259 is\u0259 na\u011fd formada \u00f6d\u0259nilir. Bu, bilavasit\u0259 \u0259m\u0259khaqq\u0131ndan \u00f6d\u0259nil\u0259n sosial s\u0131\u011forta haqlar\u0131ndan yay\u0131nmaq m\u0259qs\u0259di da\u015f\u0131y\u0131r. M\u00f6vcud i\u015f yerl\u0259rinin t\u0259l\u0259batdan k\u0259skin a\u015fa\u011f\u0131 oldu\u011fu bir \u015f\u0259raitd\u0259 i\u015f\u00e7il\u0259r bu \u015f\u0259rtl\u0259 raz\u0131la\u015fmal\u0131 olurlar. \u00d6t\u0259n ill\u0259rd\u0259 a\u00e7\u0131qlanan m\u0259lumatlardan ayd\u0131n olur ki, \u00f6lk\u0259 \u00fczr\u0259 1,7 milyon r\u0259smi \u0259m\u0259k m\u00fcqavil\u0259si il\u0259 i\u015fl\u0259y\u0259n \u015f\u0259xsl\u0259rin t\u0259xmin\u0259n 400-450 min n\u0259f\u0259ri minimum \u0259m\u0259khaqq\u0131ndan a\u015fa\u011f\u0131, yaxud ona b\u0259rab\u0259r maa\u015f al\u0131rlar. Ayd\u0131n m\u0259s\u0259l\u0259dir ki, bu, ka\u011f\u0131z \u00fcz\u0259rind\u0259 bel\u0259dir, dem\u0259k olar ki, he\u00e7 kim bu ilin yanvar\u0131ndan 400 manata \u00e7atd\u0131r\u0131lan minimum \u0259m\u0259khaqq\u0131na i\u015fl\u0259mir. Sad\u0259c\u0259, sahibkarlar vergi v\u0259 social \u00f6d\u0259ni\u015fl\u0259rd\u0259n yay\u0131nmaq \u00fc\u00e7\u00fcn maa\u015f m\u0259bl\u0259\u011fini bu h\u0259dd\u0259 r\u0259smil\u0259\u015fdirirl\u0259r. Bel\u0259 bir \u015f\u0259raitd\u0259 \u00f6z\u0259l pensiya fonduna \u00f6d\u0259ni\u015f v\u0259t\u0259nda\u015f\u0131n \u0259m\u0259khaqq\u0131 g\u0259lirin\u0259 \u0259sas\u0259n m\u00fc\u0259yy\u0259nl\u0259\u015f\u0259rs\u0259, ona y\u0131\u011f\u0131mlar g\u00f6zl\u0259nildiyi q\u0259d\u0259r olmaya bil\u0259r.<\/p>\n

\u00d6z\u0259l pensiya fonduna \u00f6d\u0259ni\u015fin \u0259m\u0259khaqq\u0131na ba\u011flanmas\u0131 ba\u015fqa bir m\u0259s\u0259l\u0259ni g\u00fcnd\u0259m\u0259 g\u0259tirir. Az\u0259rbaycanda \u0259m\u0259k qabiliyy\u0259tli \u0259halinin say\u0131 5 milyon n\u0259f\u0259rd\u0259n yuxar\u0131 olsa da, 2025-ci il may\u0131n 1-n\u0259 onlardan yaln\u0131z 1 milyon 771,7 min n\u0259f\u0259ri r\u0259smi \u0259m\u0259k m\u00fcqavil\u0259sin\u0259 malik olub. D\u00f6vl\u0259t Statistika Komit\u0259sinin m\u0259lumat\u0131na \u0259sas\u0259n onlardan 876,3 min n\u0259f\u0259ri iqtisadiyyat\u0131n d\u00f6vl\u0259t sektorunda, 895,4 min n\u0259f\u0259ri is\u0259 qeyri-d\u00f6vl\u0259t sektorunda f\u0259aliyy\u0259t g\u00f6st\u0259rir. Muzdla i\u015fl\u0259y\u0259nl\u0259rin 18,7 faizi ticar\u0259t; n\u0259qliyyat vasit\u0259l\u0259rinin t\u0259miri, 18,5 faizi t\u0259hsil, 13,7 faizi s\u0259naye, 8,5 faizi \u0259haliy\u0259 s\u0259hiyy\u0259 v\u0259 sosial xidm\u0259tl\u0259rin g\u00f6st\u0259rilm\u0259si, 6,6 faizi tikinti, 6,3 faizi d\u00f6vl\u0259t idar\u0259etm\u0259si v\u0259 m\u00fcdafi\u0259; sosial t\u0259minat, 4,2 faizi n\u0259qliyyat v\u0259 anbar t\u0259s\u0259rr\u00fcfat\u0131, 3,9 faizi pe\u015f\u0259, elmi v\u0259 texniki f\u0259aliyy\u0259t, 2,4 faizi k\u0259nd t\u0259s\u0259rr\u00fcfat\u0131, me\u015f\u0259 t\u0259s\u0259rr\u00fcfat\u0131 v\u0259 bal\u0131q\u00e7\u0131l\u0131q, 2,3 faizi maliyy\u0259 v\u0259 s\u0131\u011forta f\u0259aliyy\u0259ti, 14,9 faizi is\u0259 iqtisadiyyat\u0131n dig\u0259r sah\u0259l\u0259rind\u0259 \u00e7al\u0131\u015f\u0131r.<\/p>\n

N\u0259z\u0259r\u0259 alsaq ki, \u00f6t\u0259n ilin eyni d\u00f6vr\u00fcnd\u0259 \u00f6lk\u0259 iqtisadiyyat\u0131n\u0131n d\u00f6vl\u0259t sektorunda 897,0 min n\u0259f\u0259r, \u00f6z\u0259l sektorda is\u0259 852,7 min n\u0259f\u0259r i\u015fl\u0259yib, onda g\u00f6r\u0259rik ki, bir ild\u0259 d\u00f6vl\u0259t sektorunda \u00e7al\u0131\u015fanlar 221,3 min n\u0259f\u0259r azal\u0131b\u0131, \u00f6z\u0259l sektorda is\u0259 42,7 min n\u0259f\u0259r art\u0131b. Bu d\u0259yi\u015fiklik muzdlu i\u015f\u00e7il\u0259rin sah\u0259l\u0259r \u00fczr\u0259 b\u00f6lg\u00fcs\u00fcnd\u0259 d\u0259 \u0259skini tap\u0131b. Bel\u0259 ki, \u00f6\u0259n il muzdla i\u015fl\u0259y\u0259nl\u0259rin 19,0 faizi t\u0259hsil, 18,7 faizi ticar\u0259t; n\u0259qliyyat vasit\u0259l\u0259rinin t\u0259miri, 12,8 faizi s\u0259naye, 8,4 faizi \u0259haliy\u0259 s\u0259hiyy\u0259 v\u0259 sosial xidm\u0259tl\u0259rin g\u00f6st\u0259rilm\u0259si, 6,7 faizi tikinti, 6,4 faizi d\u00f6vl\u0259t idar\u0259etm\u0259si v\u0259 m\u00fcdafi\u0259; sosial t\u0259minat, 4,2 faizi n\u0259qliyyat v\u0259 anbar t\u0259s\u0259rr\u00fcfat\u0131, 3,8 faizi pe\u015f\u0259, elmi v\u0259 texniki f\u0259aliyy\u0259t, 3,3 faizi k\u0259nd t\u0259s\u0259rr\u00fcfat\u0131, me\u015f\u0259 t\u0259s\u0259rr\u00fcfat\u0131 v\u0259 bal\u0131q\u00e7\u0131l\u0131q, 2,2 faizi maliyy\u0259 v\u0259 s\u0131\u011forta f\u0259aliyy\u0259ti, 14,5 faizi is\u0259 iqtisadiyyat\u0131n dig\u0259r sah\u0259l\u0259rind\u0259 m\u0259\u015f\u011ful olub. Y\u0259ni t\u0259hsil, sosial m\u00fcdafi\u0259, sosial t\u0259minat d\u00f6vl\u0259t idar\u0259etm\u0259si v\u0259 sair d\u00f6vl\u0259tin pay\u0131 h\u0259lledici olan sah\u0259l\u0259rd\u0259 i\u015f\u00e7i say\u0131 azal\u0131b. Bu azalma h\u0259m d\u0259 \u0259m\u0259k haqq\u0131 tam r\u0259smil\u0259\u015f\u0259n \u015f\u0259xsl\u0259rin say\u0131n\u0131n azalmas\u0131 dem\u0259kdir.<\/strong><\/p>\n

Ba\u015fqa bir problemli m\u0259s\u0259l\u0259 torpaq pay\u0131 oldu\u011funa g\u00f6r\u0259 k\u0259nd t\u0259s\u0259rr\u00fcfat\u0131nda m\u0259\u015f\u011ful kimi qeyd olunan 1,5 milyona yax\u0131n \u015f\u0259xsin\u00a0 \u00f6z\u0259l pensiya fonduna \u00f6d\u0259ni\u015fi m\u0259s\u0259l\u0259sidir. M\u0259lumdur ki, onlar faktiki olaraq i\u015fl\u0259m\u0259s\u0259l\u0259r d\u0259, r\u0259smi statistikada m\u0259\u015f\u011ful \u0259hali kimi qeyd\u0259 al\u0131n\u0131rlar. Lakin onlar\u0131n n\u0259 r\u0259smi \u0259m\u0259k m\u00fcqavil\u0259si, n\u0259 d\u0259 sosial \u00f6d\u0259ni\u015fl\u0259ri h\u0259yata ke\u00e7irilmir. Bu \u015f\u0259xsl\u0259rin \u00f6z\u0259l pensiya fonduna \u00f6d\u0259ni\u015fl\u0259rinin t\u0259nziml\u0259nm\u0259si \u00fc\u00e7\u00fcn x\u00fcsusi hal\u0131n m\u00fc\u0259yy\u0259nl\u0259\u015fm\u0259si laz\u0131m g\u0259l\u0259c\u0259k.<\/p>\n

Bir s\u00f6zl\u0259, \u0259g\u0259r \u00f6z\u0259l pensiya fonduna \u00f6d\u0259ni\u015fl\u0259r r\u0259smi g\u0259lirl\u0259r\u0259 ba\u011flanacaqsa, b\u00f6y\u00fck u\u011fur g\u00f6zl\u0259m\u0259y\u0259 d\u0259ym\u0259y\u0259c\u0259k. N\u0259z\u0259r\u0259 almaq laz\u0131md\u0131r ki, D\u00f6vl\u0259t Sosial M\u00fcdafi\u0259 Fondun\u00fcn \u00f6z\u00fc x\u0259rcl\u0259rini qar\u015f\u0131lamaq \u00fc\u00e7\u00fcn d\u00f6vl\u0259t b\u00fcdc\u0259sind\u0259n b\u00f6y\u00fck m\u0259bl\u0259\u011fd\u0259 transfert alma\u011fa davam edir. A\u00e7\u0131qlanan b\u00fcdc\u0259 g\u00f6st\u0259ricil\u0259rin\u0259 \u0259sas\u0259n Fondun 2025-ci il \u00fczr\u0259 x\u0259rcl\u0259rinin maliyy\u0259l\u0259\u015fdirilm\u0259si \u00fc\u00e7\u00fcn 7 milyard 676 milyon manat n\u0259z\u0259rd\u0259 tutulur. Bunun 7 milyard 617 milyon manatl\u0131q hiss\u0259sini fondun g\u0259lirl\u0259ri, 59 milyon manatl\u0131q hiss\u0259sini is\u0259 fondun \u0259vv\u0259lki ill\u0259rd\u0259 yarad\u0131lm\u0131\u015f ehtiyat\u0131ndan 2025-ci ilin x\u0259rcl\u0259rinin maliyy\u0259l\u0259\u015fdirilm\u0259sin\u0259 y\u00f6n\u0259ldil\u0259n v\u0259sait t\u0259\u015fkil edir.<\/p>\n

Fondun 2025-ci il \u00fc\u00e7\u00fcn g\u0259lirl\u0259rinin 78,1 faizinin v\u0259 ya 5 milyard 997 milyon manat\u0131n\u0131n m\u0259cburi d\u00f6vl\u0259t sosial s\u0131\u011forta (MDSS) daxilolmalar\u0131 hesab\u0131na formala\u015faca\u011f\u0131 proqnozla\u015fd\u0131r\u0131l\u0131r. M\u0259cburi d\u00f6vl\u0259t sosial s\u0131\u011forta haqlar\u0131 \u00fczr\u0259 daxilolmalar\u0131n 66,1 faizi qeyri-b\u00fcdc\u0259 sektorunun, 33,9 faizi is\u0259 b\u00fcdc\u0259d\u0259n maliyy\u0259l\u0259\u015f\u0259n t\u0259\u015fkilatlar\u0131n hesab\u0131na t\u0259min edil\u0259c\u0259k. D\u00f6vl\u0259t b\u00fcdc\u0259sind\u0259n DSMF-y\u0259 transfertin 1,6 milyard manata b\u0259rab\u0259r olaca\u011f\u0131 proqnozla\u015fd\u0131r\u0131l\u0131r.<\/strong><\/p>\n

Ba\u015fqa bir m\u0259s\u0259l\u0259 \u00f6z\u0259l pensiya fondlar\u0131na xaricd\u0259 yat\u0131r\u0131m imkan\u0131n\u0131n yarad\u0131l\u0131b-yarad\u0131lmayaca\u011f\u0131d\u0131r. Az\u0259rbaycanda real sektorun z\u0259if inki\u015faf\u0131 fonunda \u00f6z\u0259l pensiya fondlar\u0131n\u0131n u\u011furlu yat\u0131r\u0131m edib, toplad\u0131qlar\u0131 v\u0259saitl\u0259ri \u0259n az\u0131 inflyasiya s\u0259viyy\u0259sind\u0259 indeksasiya etm\u0259l\u0259ri m\u00fcmk\u00fcn deyil. Bel\u0259 yat\u0131r\u0131m imkan\u0131 xarici bazarlarda daha geni\u015fdir. Lakin bu bazarlara \u00e7\u0131xmaq \u00fc\u00e7\u00fcn pe\u015f\u0259kar komandalar\u0131n olmas\u0131 son d\u0259r\u0259c\u0259 vacibdir. Bu is\u0259 \u00f6z\u0259l pensiya fondu yaradacaq qurumlara s\u0259rt t\u0259l\u0259bl\u0259rin qoyulmas\u0131, onlar\u0131n f\u0259aliyy\u0259tin\u0259 keyfiyy\u0259tli n\u0259zar\u0259t mexanizminin formala\u015fd\u0131r\u0131lmas\u0131n\u0131 t\u0259l\u0259b edir.<\/p>\n

Onu da qeyd ed\u0259k ki, \u00f6z\u0259l pensiya fondunu \u0259hali \u00fc\u00e7\u00fcn maraql\u0131 ed\u0259c\u0259k \u0259sas amil \u00f6d\u0259y\u0259n \u015f\u0259xs v\u0259fat etdiyi halda \u00f6d\u0259nil\u0259n v\u0259saitin geri qaytar\u0131lmas\u0131 imkan\u0131n\u0131n olmas\u0131d\u0131r. M\u0259lumdur ki, DSMF-y\u0259 \u00f6d\u0259ni\u015fl\u0259r s\u0131\u011fortaolunan v\u0259fat etdikd\u0259 onun ail\u0259sin\u0259, yaxud h\u00fcquqi varisl\u0259rin\u0259 qaytar\u0131lm\u0131r. Bu, x\u00fcsusil\u0259 son ill\u0259rd\u0259 v\u0259t\u0259nda\u015flar\u0131n ciddi naraz\u0131l\u0131\u011f\u0131na s\u0259b\u0259b olsa da, d\u00f6vl\u0259t bu sah\u0259d\u0259 h\u0259r hans\u0131 d\u0259yi\u015fikliyi q\u0259bul etmir…<\/p>\n

D\u00fcnya SAK\u0130T,<\/strong>
\n\u201cYeni M\u00fcsavat\u201d<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

\u018fm\u0259k v\u0259 \u018fhalinin Sosial M\u00fcdafi\u0259si Nazirliyinin m\u0259lumat\u0131na g\u00f6r\u0259, Az\u0259rbaycanda \u0259m\u0259k qanunvericiliyin\u0259 200-\u0259 yax\u0131n d\u0259yi\u015fiklik \u00fcz\u0259rind\u0259 i\u015fl\u0259r tamamlanmaq \u00fczr\u0259dir. Onlardan bir qismi \u018fm\u0259k M\u0259c\u0259ll\u0259sin\u0259 d\u0259yi\u015fiklikl\u0259r, b\u0259zil\u0259ri is\u0259 yeni aktlar kimi t\u0259klif olunur. Dig\u0259r profil qurumlarla raz\u0131la\u015fd\u0131rmaqda olan qanun layih\u0259l\u0259rind\u0259n biri d\u0259 \u201cQeyri-d\u00f6vl\u0259t (\u00f6z\u0259l) pensiya fondar\u0131\u201d il\u0259 ba\u011fl\u0131d\u0131r. \u00d6z\u0259l pensiya fondlar\u0131n\u0131n yarad\u0131lmas\u0131 il\u0259 ba\u011fl\u0131 20-d\u0259n \u00e7ox normativ h\u00fcquqi akt layih\u0259si haz\u0131rlan\u0131b. Deputat V\u00fcqar Bayramov bu bar\u0259d\u0259 sosial media hesab\u0131nda yaz\u0131b. B\u0259s \u00f6z\u0259l pensiya fondlar\u0131n\u0131n yarad\u0131lmas\u0131 v\u0259t\u0259nda\u015flara n\u0259 qazand\u0131racaq? Deputat qeyd edib ki, \u0259ks\u0259r inki\u015faf etmi\u015f d\u00f6vl\u0259tl\u0259rd\u0259 v\u0259t\u0259nda\u015flar \u00f6z\u0259l pensiya fondlar\u0131ndan \u00e7ox s\u0131x…<\/p>\n","protected":false},"author":2,"featured_media":811735,"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\/06\/f5c6e16cf3fe49c2b15e00ba32330007.jpg",870,500,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/06\/f5c6e16cf3fe49c2b15e00ba32330007.jpg",870,500,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/06\/f5c6e16cf3fe49c2b15e00ba32330007.jpg",870,500,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/06\/f5c6e16cf3fe49c2b15e00ba32330007-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/06\/f5c6e16cf3fe49c2b15e00ba32330007-635x365.jpg",635,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/06\/f5c6e16cf3fe49c2b15e00ba32330007-840x483.jpg",640,368,true],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/06\/f5c6e16cf3fe49c2b15e00ba32330007.jpg",870,500,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/06\/f5c6e16cf3fe49c2b15e00ba32330007.jpg",870,500,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/06\/f5c6e16cf3fe49c2b15e00ba32330007-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/06\/f5c6e16cf3fe49c2b15e00ba32330007.jpg",870,500,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":"\u018fm\u0259k v\u0259 \u018fhalinin Sosial M\u00fcdafi\u0259si Nazirliyinin m\u0259lumat\u0131na g\u00f6r\u0259, Az\u0259rbaycanda \u0259m\u0259k qanunvericiliyin\u0259 200-\u0259 yax\u0131n d\u0259yi\u015fiklik \u00fcz\u0259rind\u0259 i\u015fl\u0259r tamamlanmaq \u00fczr\u0259dir. Onlardan bir qismi \u018fm\u0259k M\u0259c\u0259ll\u0259sin\u0259 d\u0259yi\u015fiklikl\u0259r, b\u0259zil\u0259ri is\u0259 yeni aktlar kimi t\u0259klif olunur. Dig\u0259r profil qurumlarla raz\u0131la\u015fd\u0131rmaqda olan qanun layih\u0259l\u0259rind\u0259n biri d\u0259 \u201cQeyri-d\u00f6vl\u0259t (\u00f6z\u0259l) pensiya fondar\u0131\u201d il\u0259 ba\u011fl\u0131d\u0131r. \u00d6z\u0259l pensiya fondlar\u0131n\u0131n yarad\u0131lmas\u0131 il\u0259 ba\u011fl\u0131 20-d\u0259n \u00e7ox normativ…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/811734"}],"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=811734"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/811734\/revisions"}],"predecessor-version":[{"id":811736,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/811734\/revisions\/811736"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/811735"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=811734"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=811734"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=811734"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}