{"id":827027,"date":"2025-09-18T10:40:25","date_gmt":"2025-09-18T06:40:25","guid":{"rendered":"https:\/\/arantv.az\/?p=827027"},"modified":"2025-09-18T10:40:25","modified_gmt":"2025-09-18T06:40:25","slug":"diqq%c9%99t-yeni-pensiya-sistemi-g%c9%99lir-%c9%99halinin-gozl%c9%99ntisi","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=827027","title":{"rendered":"Diqq\u0259t! Yeni pensiya sistemi g\u0259lir – \u0259halinin g\u00f6zl\u0259ntisi"},"content":{"rendered":"

\u00d6z\u0259l pensiya fondlar\u0131n\u0131n yarad\u0131lmas\u0131 bu \u00fcst\u00fcnl\u00fckl\u0259ri qazand\u0131racaq\u00a0<\/strong><\/h3>\n

Az\u0259rbaycanda pensiya sistemi il\u0259 ba\u011fl\u0131 yeni qanun layih\u0259si haz\u0131rlan\u0131r. S\u0259n\u0259d \u00f6lk\u0259d\u0259 \u00f6z\u0259l pensiya fondlar\u0131n\u0131n yarad\u0131lmas\u0131n\u0131 n\u0259z\u0259rd\u0259 tutur. Bildirilir ki, bununla v\u0259t\u0259nda\u015flara d\u00f6vl\u0259t pensiyas\u0131ndan \u0259lav\u0259 \u00f6z\u0259l fondlardan da t\u0259qa\u00fcd almaq imkan\u0131 veril\u0259c\u0259k. Y\u0259ni bu, m\u00f6vcud d\u00f6vl\u0259t sistemi il\u0259 r\u0259qab\u0259t deyil, \u0259lav\u0259 se\u00e7imdir. Ekspertl\u0259r\u0259 g\u00f6r\u0259, \u00f6z\u0259l pensiya fondlar\u0131n\u0131n yarad\u0131lmas\u0131 Az\u0259rbaycanda pensiya sisteminin uzunm\u00fcdd\u0259tli dayan\u0131ql\u0131l\u0131\u011f\u0131n\u0131 g\u00fccl\u0259ndir\u0259, d\u00f6vl\u0259tin sosial y\u00fck\u00fcn\u00fc azalda v\u0259 kapital bazar\u0131n\u0131n inki\u015faf\u0131na t\u0259kan ver\u0259 bil\u0259r.\u00a0<\/strong><\/p>\n

Milli M\u0259clisin \u018fm\u0259k v\u0259 sosial siyas\u0259t komit\u0259sinin s\u0259dri Musa Quliyev prosesin yekun m\u0259rh\u0259l\u0259d\u0259 oldu\u011funu bildirib: \u201cQanun layih\u0259si pay\u0131z sessiyas\u0131na \u00e7atmasa da, y\u0259qin yaz sessiyas\u0131n\u0131n \u0259vv\u0259lin\u0259 M\u0259clis\u0259 daxil olacaq v\u0259 m\u00fczakir\u0259y\u0259 \u00e7\u0131xar\u0131lacaq\u201d.<\/p>\n

Komit\u0259 s\u0259dri \u00f6z\u0259l pensiya fondlar\u0131n\u0131n \u00fcst\u00fcnl\u00fckl\u0259rini bel\u0259 izah edib: \u201cBu bir alternativdir. Az\u0259rbaycanda D\u00f6vl\u0259t Sosial M\u00fcdafi\u0259 Fondu var. V\u0259t\u0259nda\u015flar\u0131m\u0131z pensiya ya\u015f\u0131na \u00e7atanda, yaxud pensiya kapital\u0131, staj\u0131 olduqda 65 ya\u015f\u0131ndan sonra pensiyaya \u00e7\u0131x\u0131r. \u00d6z\u0259l pensiya fondunun \u00fcst\u00fcnl\u00fcy\u00fc onda olacaq ki, v\u0259t\u0259nda\u015fla qurum aras\u0131nda m\u00fcqavil\u0259 imzalanacaq v\u0259 onun \u0259sas\u0131nda \u015f\u0259rtl\u0259r m\u00fc\u0259yy\u0259nl\u0259\u015f\u0259c\u0259k. Pensiyaya \u00e7\u0131xma qaydas\u0131, vaxt\u0131, m\u0259bl\u0259\u011fi, pensiyaya \u00e7\u0131xana q\u0259d\u0259r ora qoydu\u011fu kapital\u0131n d\u00f6vr etm\u0259si, hans\u0131 investisiyalara yat\u0131r\u0131lmas\u0131 v\u0259 ondan n\u0259 q\u0259d\u0259r faizin g\u0259lm\u0259si, el\u0259c\u0259 d\u0259 dig\u0259r m\u0259s\u0259l\u0259l\u0259r m\u00fcqavil\u0259 \u0259sas\u0131nda m\u00fc\u0259yy\u0259nl\u0259\u015f\u0259c\u0259k. Bu bir alternativdir, v\u0259t\u0259nda\u015fa se\u00e7im h\u00fcququ tan\u0131y\u0131r v\u0259 v\u0259t\u0259nda\u015f daha geni\u015f \u015f\u0259kild\u0259 \u00f6z pensiya t\u0259minat\u0131n\u0131 h\u0259yata ke\u00e7ir\u0259 bil\u0259r. Bu bax\u0131mdan hesab edir\u0259m ki, yax\u015f\u0131 bir t\u0259\u015f\u0259bb\u00fcsd\u00fcr. \u0130n\u015fallah, qanun M\u0259clis\u0259 g\u0259l\u0259nd\u0259 onun detallar\u0131 bar\u0259d\u0259 d\u0259 m\u0259lumat ver\u0259rik\u201d.<\/p>\n

Veril\u0259n m\u0259lumata g\u00f6r\u0259, \u201cQeyri-d\u00f6vl\u0259t (\u00f6z\u0259l) pensiya fondlar\u0131 haqq\u0131nda\u201d Qanunla yana\u015f\u0131, \u00f6z\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.\u00a0<\/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\u0259k haqq\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\u0259k haqq\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\u0259xsin 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\u0131r. 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 sosial \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 avqustun 1-i v\u0259ziyy\u0259tin\u0259 \u00f6lk\u0259 iqtisadiyyat\u0131nda muzdla – y\u0259ni r\u0259smi \u0259m\u0259k m\u00fcqavil\u0259si il\u0259 \u00e7al\u0131\u015fan i\u015f\u00e7il\u0259rin say\u0131 1 milyon 768,4 min n\u0259f\u0259r olub. Onlardan 858,1 min n\u0259f\u0259ri iqtisadiyyat\u0131n d\u00f6vl\u0259t sektorunda, 910,3 min n\u0259f\u0259ri is\u0259 qeyri-d\u00f6vl\u0259t sektorunda f\u0259aliyy\u0259t g\u00f6st\u0259rib.<\/strong><\/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 881,7 min n\u0259f\u0259r,\u00a0 \u00f6z\u0259l sektorda is\u0259 877,3 min n\u0259f\u0259r i\u015fl\u0259yib, onda g\u00f6r\u0259rik ki, bir ild\u0259 d\u00f6vl\u0259t sektorunda \u00e7al\u0131\u015fanlar 23,6 min n\u0259f\u0259r azal\u0131b, \u00f6z\u0259l sektorda is\u0259 33 min n\u0259f\u0259r art\u0131b. Bu is\u0259 yen\u0259 d\u0259 formal olaraq minimum \u0259m\u0259khaqq\u0131 il\u0259 r\u0259smil\u0259\u015fm\u0259 hallar\u0131n\u0131n artmas\u0131 dem\u0259kdir.<\/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 \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.<\/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, o c\u00fcml\u0259d\u0259n qiym\u0259tli ka\u011f\u0131zlar bazar\u0131n\u0131n 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\u0259ni\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

\u00d6z\u0259l pensiya fondunun f\u0259aliyy\u0259ti sah\u0259sind\u0259 bir ba\u015fqa maraql\u0131 m\u0259s\u0259l\u0259 bel\u0259 fondlara \u00f6d\u0259ni\u015f h\u00fcququnun r\u0259smi pensiya almaq h\u00fcququ il\u0259 nec\u0259 uzla\u015fd\u0131r\u0131laca\u011f\u0131d\u0131r. M\u0259lumdur ki, 2017-ci ild\u0259 pensiya t\u0259minat\u0131 qanunvericiliyin\u0259 edilmi\u015f d\u0259yi\u015fiklikl\u0259r \u00e7ox sayda insan\u0131n pensiya ya\u015f\u0131 \u00e7atsa da, pensiya almaq h\u00fcququ qazana bilm\u0259m\u0259sin\u0259 s\u0259b\u0259b olub. Ya i\u015f staj\u0131na, ya da \u015f\u0259xsi s\u0131\u011forta hesab\u0131nda yet\u0259rinc\u0259 kapital\u0131 olmad\u0131\u011f\u0131na g\u00f6r\u0259 bel\u0259 \u015f\u0259xsl\u0259r ad\u0259t\u0259n ya\u015fa g\u00f6r\u0259 m\u00fcavin\u0259t al\u0131rlar. Bu halda pensiya h\u00fcququna dair t\u0259l\u0259bl\u0259r eyni olarsa, D\u00f6vl\u0259t Sosial M\u00fcdafi\u0259 Fondundan pensiya almaq h\u00fcququ olmayan insanlar\u0131n \u00f6z\u0259l pensiya fondundan bu h\u00fcququ yaranacaqm\u0131?\u00a0<\/strong><\/p>\n

Yeri g\u0259lmi\u015fk\u0259n, 2017-ci ild\u0259 pensiya qanunvericiliyin\u0259 edil\u0259n bu d\u0259yi\u015fiklik, h\u0259m\u00e7inin qad\u0131nlar\u0131n pensiya ya\u015f\u0131n\u0131n 65-\u0259 \u00e7atd\u0131r\u0131lmas\u0131 qaydas\u0131n\u0131n t\u0259tbiqi il\u0259 Az\u0259rbaycanda \u0259m\u0259k pensiyas\u0131 alanlar\u0131n say\u0131 2017-2024-c\u00fc ill\u0259r \u0259rzind\u0259 216 mind\u0259n \u00e7ox azal\u0131b. 2017-ci ild\u0259 1 milyon 315 min olan say 2024-c\u00fc ild\u0259 1 milyon 98 min\u0259 d\u00fc\u015f\u00fcb.<\/p>\n

D\u00f6vl\u0259t Sosial M\u00fcdafi\u0259 Fondundan veril\u0259n m\u0259lumata \u0259sas\u0259n, 2024-c\u00fc ilin yanvar-dekabr aylar\u0131 \u0259rzind\u0259 35 min n\u0259f\u0259rd\u0259n \u00e7ox \u015f\u0259xs\u0259 proaktiv qaydada ya\u015fa, \u0259lilliy\u0259 v\u0259 ail\u0259 ba\u015f\u00e7\u0131s\u0131n\u0131 itirm\u0259y\u0259 g\u00f6r\u0259 pensiya t\u0259yinat\u0131 apar\u0131l\u0131b. Onlar\u0131n 71,4 faizini ki\u015fil\u0259r, 28,6 faizini is\u0259 qad\u0131nlar t\u0259\u015fkil edib.\u00a0 2025-ci ilin yanvar-avqust aylar\u0131nda is\u0259 26 200 n\u0259f\u0259rd\u0259n \u00e7ox \u015f\u0259xs\u0259 proaktiv qaydada ya\u015fa g\u00f6r\u0259 \u0259m\u0259k pensiyas\u0131 t\u0259yin olunub. Onlar\u0131n 62,6 faizini ki\u015fil\u0259r, 37,4 faizini is\u0259 qad\u0131nlar t\u0259\u015fkil edib. Qad\u0131nlar\u0131n \u0259m\u0259k pensiyas\u0131 almaq h\u00fcququ yarananlar aras\u0131nda ki\u015fil\u0259rd\u0259n d\u0259f\u0259l\u0259rl\u0259 az olmas\u0131n\u0131n bir s\u0259b\u0259bi mentalitetl\u0259 ba\u011fl\u0131d\u0131rsa, dig\u0259r m\u00fch\u00fcm s\u0259b\u0259b m\u0259hz onlar \u00fc\u00e7\u00fcn pensiya ya\u015f\u0131n\u0131n art\u0131r\u0131lmas\u0131d\u0131r.\u00a0<\/strong><\/p>\n

Ya\u015f\u0131 \u00e7atsa da, pensiya deyil, m\u00fcavin\u0259t h\u00fcququ yaranan v\u0259t\u0259nda\u015flar aras\u0131nda ki\u015fil\u0259rin az, qad\u0131nlar\u0131n iki d\u0259f\u0259 \u00e7ox olmas\u0131 da bu amill\u0259rl\u0259 ba\u011fl\u0131d\u0131r. Bel\u0259 ki, 2024-c\u00fc ilin dekabr ay\u0131nda ya\u015fa g\u00f6r\u0259 ayl\u0131q sosial m\u00fcavin\u0259t alanlar\u0131n say\u0131 156 min n\u0259f\u0259rd\u0259n \u00e7ox olub. Onlar\u0131n 32,93 faizini ki\u015fil\u0259r, 67,07 faizini is\u0259 qad\u0131nlar t\u0259\u015fkil edib. 2025-ci ilin iyul ay\u0131nda is\u0259 ya\u015fa g\u00f6r\u0259 ayl\u0131q sosial m\u00fcavin\u0259t alanlar\u0131n say\u0131 166 min 900 n\u0259f\u0259ri ke\u00e7ib. Onlar\u0131n 35 faizini ki\u015fil\u0259r, 65 faizini is\u0259 qad\u0131nlar t\u0259\u015fkil edib.<\/p>\n

Yuxar\u0131da qeyd edil\u0259n b\u00fct\u00fcn m\u0259qamlar\u0131n v\u0259t\u0259nda\u015f\u0131n xeyrin\u0259 n\u0259z\u0259r\u0259 al\u0131nmas\u0131 hal\u0131nda \u00f6z\u0259l pensiya fondlar\u0131n\u0131n f\u0259aliyy\u0259tinin \u00f6lk\u0259 iqtisadiyyat\u0131 \u00fc\u00e7\u00fcn m\u00fcsb\u0259t t\u0259sirl\u0259rini qeyd etm\u0259k olar. \u0130lk n\u00f6vb\u0259d\u0259 bel\u0259 fondlar iqtisadiyyat \u00fc\u00e7\u00fcn \u0259lav\u0259 v\u0259 kifay\u0259t q\u0259d\u0259r b\u00f6y\u00fck investisiya m\u0259nb\u0259yin\u0259 \u00e7evril\u0259 bil\u0259r. D\u00fcnya t\u0259cr\u00fcb\u0259si g\u00f6st\u0259rir ki, pensiya fondlar\u0131 bu sah\u0259d\u0259 apar\u0131c\u0131 rollara malik ola bilirl\u0259r. Az\u0259rbaycanda investisiya imkanlar\u0131 n\u0259 q\u0259d\u0259r m\u0259hdud olsa da, yeni m\u0259nb\u0259nin yaranmas\u0131 h\u0259r bir halda m\u00fcsb\u0259t hal kimi qiym\u0259tl\u0259ndiril\u0259 bil\u0259r.<\/p>\n

D\u00fcnya SAK\u0130T,
\n\u201cYeni M\u00fcsavat\u201d<\/strong><\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

\u00d6z\u0259l pensiya fondlar\u0131n\u0131n yarad\u0131lmas\u0131 bu \u00fcst\u00fcnl\u00fckl\u0259ri qazand\u0131racaq\u00a0 Az\u0259rbaycanda pensiya sistemi il\u0259 ba\u011fl\u0131 yeni qanun layih\u0259si haz\u0131rlan\u0131r. S\u0259n\u0259d \u00f6lk\u0259d\u0259 \u00f6z\u0259l pensiya fondlar\u0131n\u0131n yarad\u0131lmas\u0131n\u0131 n\u0259z\u0259rd\u0259 tutur. Bildirilir ki, bununla v\u0259t\u0259nda\u015flara d\u00f6vl\u0259t pensiyas\u0131ndan \u0259lav\u0259 \u00f6z\u0259l fondlardan da t\u0259qa\u00fcd almaq imkan\u0131 veril\u0259c\u0259k. Y\u0259ni bu, m\u00f6vcud d\u00f6vl\u0259t sistemi il\u0259 r\u0259qab\u0259t deyil, \u0259lav\u0259 se\u00e7imdir. Ekspertl\u0259r\u0259 g\u00f6r\u0259, \u00f6z\u0259l pensiya fondlar\u0131n\u0131n yarad\u0131lmas\u0131 Az\u0259rbaycanda pensiya sisteminin uzunm\u00fcdd\u0259tli dayan\u0131ql\u0131l\u0131\u011f\u0131n\u0131 g\u00fccl\u0259ndir\u0259, d\u00f6vl\u0259tin sosial y\u00fck\u00fcn\u00fc azalda v\u0259 kapital bazar\u0131n\u0131n inki\u015faf\u0131na t\u0259kan ver\u0259 bil\u0259r.\u00a0 Milli M\u0259clisin \u018fm\u0259k v\u0259 sosial siyas\u0259t komit\u0259sinin s\u0259dri Musa Quliyev prosesin yekun m\u0259rh\u0259l\u0259d\u0259 oldu\u011funu bildirib: \u201cQanun layih\u0259si pay\u0131z sessiyas\u0131na…<\/p>\n","protected":false},"author":2,"featured_media":827028,"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\/09\/275dc2d53345e5b5e711f5766ae4f638.jpg",756,500,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/09\/275dc2d53345e5b5e711f5766ae4f638.jpg",756,500,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/09\/275dc2d53345e5b5e711f5766ae4f638.jpg",756,500,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/09\/275dc2d53345e5b5e711f5766ae4f638-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/09\/275dc2d53345e5b5e711f5766ae4f638-552x365.jpg",552,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/09\/275dc2d53345e5b5e711f5766ae4f638.jpg",640,423,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/09\/275dc2d53345e5b5e711f5766ae4f638.jpg",756,500,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/09\/275dc2d53345e5b5e711f5766ae4f638.jpg",756,500,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/09\/275dc2d53345e5b5e711f5766ae4f638-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/09\/275dc2d53345e5b5e711f5766ae4f638.jpg",756,500,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":"\u00d6z\u0259l pensiya fondlar\u0131n\u0131n yarad\u0131lmas\u0131 bu \u00fcst\u00fcnl\u00fckl\u0259ri qazand\u0131racaq\u00a0 Az\u0259rbaycanda pensiya sistemi il\u0259 ba\u011fl\u0131 yeni qanun layih\u0259si haz\u0131rlan\u0131r. S\u0259n\u0259d \u00f6lk\u0259d\u0259 \u00f6z\u0259l pensiya fondlar\u0131n\u0131n yarad\u0131lmas\u0131n\u0131 n\u0259z\u0259rd\u0259 tutur. Bildirilir ki, bununla v\u0259t\u0259nda\u015flara d\u00f6vl\u0259t pensiyas\u0131ndan \u0259lav\u0259 \u00f6z\u0259l fondlardan da t\u0259qa\u00fcd almaq imkan\u0131 veril\u0259c\u0259k. Y\u0259ni bu, m\u00f6vcud d\u00f6vl\u0259t sistemi il\u0259 r\u0259qab\u0259t deyil, \u0259lav\u0259 se\u00e7imdir. Ekspertl\u0259r\u0259 g\u00f6r\u0259, \u00f6z\u0259l pensiya fondlar\u0131n\u0131n yarad\u0131lmas\u0131 Az\u0259rbaycanda…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/827027"}],"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=827027"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/827027\/revisions"}],"predecessor-version":[{"id":827029,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/827027\/revisions\/827029"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/827028"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=827027"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=827027"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=827027"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}