\n
![\"Pensiya](\"https:\/\/upload.az\/foto\/arxiv\/a_81776152069.jpeg\")
M\u00f6vzu il\u0259 ba\u011fl\u0131 Liberal \u0130qtisad\u00e7\u0131lar M\u0259rk\u0259zinin s\u0259dri Akif N\u0259sirli\u00a0BiG.AZ<\/a>-a a\u00e7\u0131qlamas\u0131nda bildirdi ki,<\/b>\u00a0\u00f6z\u0259l pensiya fondlar\u0131n\u0131n Az\u0259rbaycanda gecikm\u0259sinin \u0259sas s\u0259b\u0259bi bir ne\u00e7\u0259 sistemli amill\u0259 ba\u011fl\u0131d\u0131r. \u018fn vacib m\u0259s\u0259l\u0259l\u0259rd\u0259n biri kapital bazarlar\u0131n\u0131n kifay\u0259t q\u0259d\u0259r inki\u015faf etm\u0259m\u0259sidir. Onun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, \u00f6z\u0259l pensiya fondlar\u0131 uzunm\u00fcdd\u0259tli investisiya al\u0259tl\u0259ri il\u0259 i\u015fl\u0259yir, amma bel\u0259 bazarlar z\u0259if olduqda v\u0259 investisiya imkanlar\u0131 m\u0259hdud qalanda bu sistemin dayan\u0131ql\u0131 i\u015fl\u0259m\u0259si \u00e7\u0259tinl\u0259\u015fir: “Eyni zaman \u00f6z\u0259l pensiya fondlar\u0131n\u0131n yarad\u0131lmas\u0131 \u00fc\u00e7\u00fcn \u00f6lk\u0259d\u0259 dinamik \u0259m\u0259k bazar\u0131 formala\u015fmal\u0131, qeyri-r\u0259smi m\u0259\u015f\u011fulluq minimum s\u0259viyy\u0259y\u0259 etm\u0259lidir.\nDig\u0259r m\u00fch\u00fcm amil idar\u0259etm\u0259 v\u0259 n\u0259zar\u0259t sistemin\u0259 olan etimadd\u0131r. Pensiya fondlar\u0131 b\u00f6y\u00fck v\u0259saitl\u0259ri idar\u0259 edir v\u0259 burada \u015f\u0259ffafl\u0131q, riskl\u0259rin idar\u0259 olunmas\u0131 v\u0259 d\u00f6vl\u0259t n\u0259zar\u0259ti \u00e7ox y\u00fcks\u0259k s\u0259viyy\u0259d\u0259 olmal\u0131d\u0131r. Bir \u00e7ox \u00f6lk\u0259d\u0259 bu sistem ill\u0259rl\u0259 formala\u015f\u0131b, Az\u0259rbaycanda is\u0259 \u0259sas\u0259n d\u00f6vl\u0259t pensiya modeli daha dominant oldu\u011fu \u00fc\u00e7\u00fcn ke\u00e7id prosesi yava\u015f gedib.
\nH\u0259m\u00e7inin iqtisadi riskl\u0259r d\u0259 rol oynay\u0131r. Valyuta sabitliyi, inflyasiya v\u0259 uzunm\u00fcdd\u0259tli investisiya m\u00fchiti tam stabil olmad\u0131qda \u00f6z\u0259l pensiya fondlar\u0131n\u0131n v\u0259saiti t\u0259hl\u00fck\u0259y\u0259 d\u00fc\u015f\u0259 bil\u0259r.<\/p>\n
Buna g\u00f6r\u0259 d\u0259 d\u00f6vl\u0259t m\u0259rh\u0259l\u0259li yana\u015fmaya \u00fcst\u00fcnl\u00fck verir.
\n2006-c\u0131 ild\u0259n n\u0259z\u0259rd\u0259 tutulan islahatlarda bu model planla\u015fd\u0131r\u0131lsa da, praktik t\u0259tbiq \u00fc\u00e7\u00fcn h\u0259m h\u00fcquqi baza, h\u0259m d\u0259 maliyy\u0259 infrastrukturu tam haz\u0131r olmay\u0131b. Bu s\u0259b\u0259bd\u0259n proses t\u0259xir\u0259 d\u00fc\u015f\u00fcb v\u0259 daha \u00e7ox d\u00f6vl\u0259t sosial s\u0131\u011forta sistemi \u00fcz\u0259rind\u0259 dayan\u0131l\u0131b.
\nHaz\u0131rda parlament s\u0259viyy\u0259sind\u0259 bu istiqam\u0259td\u0259 yenid\u0259n m\u00fczakir\u0259l\u0259rin getm\u0259si bar\u0259d\u0259 m\u0259lumatlar var v\u0259 m\u0259qs\u0259d daha \u00e7ox qar\u0131\u015f\u0131q model\u0259 ke\u00e7id, y\u0259ni d\u00f6vl\u0259t v\u0259 \u00f6z\u0259l pensiya sisteml\u0259rinin paralel i\u015fl\u0259m\u0259sidir. Amma bel\u0259 islahatlar\u0131n tam t\u0259tbiqi ad\u0259t\u0259n m\u0259rh\u0259l\u0259li olur v\u0259 h\u0259m bazar\u0131n, h\u0259m d\u0259 qanunvericiliyin tam uy\u011funla\u015fd\u0131r\u0131lmas\u0131n\u0131 t\u0259l\u0259b edir”.<\/p>\n
M\u00fc\u0259llif: \u0130lkin M\u0259mm\u0259dk\u0259rimov<\/b><\/p>\n","protected":false},"excerpt":{"rendered":"
Az\u0259rbaycanda pensiya sisteminin t\u0259kmill\u0259\u015fdirilm\u0259si istiqam\u0259tind\u0259 m\u00fczakir\u0259l\u0259r ill\u0259rdir davam ets\u0259 d\u0259, \u00f6z\u0259l pensiya fondlar\u0131n\u0131n yarad\u0131lmas\u0131 v\u0259 v\u0259t\u0259nda\u015flar\u0131n pensiyalar\u0131n\u0131 ist\u0259dikl\u0259ri bank vasit\u0259sil\u0259 \u0259ld\u0259 etm\u0259si m\u0259s\u0259l\u0259si h\u0259l\u0259 d\u0259 a\u00e7\u0131q qal\u0131r. M\u00f6vcud sistemd\u0259 pensiya \u00f6d\u0259ni\u015fl\u0259rinin m\u00fc\u0259yy\u0259n banklar \u00fcz\u0259rind\u0259n h\u0259yata ke\u00e7irilm\u0259si se\u00e7im azadl\u0131\u011f\u0131n\u0131 m\u0259hdudla\u015fd\u0131r\u0131r v\u0259 bu da v\u0259t\u0259nda\u015f m\u0259mnuniyy\u0259ti il\u0259 ba\u011fl\u0131 suallar do\u011furur. Eyni zamanda, \u00f6z\u0259l pensiya fondlar\u0131n\u0131n formala\u015fd\u0131r\u0131lmas\u0131 h\u0259m sosial t\u0259minat sisteminin \u015fax\u0259l\u0259ndirilm\u0259si, h\u0259m d\u0259 v\u0259t\u0259nda\u015flar\u0131n g\u0259l\u0259c\u0259k maliyy\u0259 t\u0259hl\u00fck\u0259sizliyinin art\u0131r\u0131lmas\u0131 bax\u0131m\u0131ndan vacib hesab olunur. Buna baxmayaraq, bu istiqam\u0259td\u0259 konkret mexanizml\u0259rin olmamas\u0131 v\u0259 h\u00fcquqi bazan\u0131n yet\u0259rinc\u0259 formala\u015fmamas\u0131 prosesin l\u0259ngim\u0259sin\u0259 s\u0259b\u0259b olur. M\u00f6vcud v\u0259ziyy\u0259t is\u0259 bel\u0259…<\/p>\n","protected":false},"author":2,"featured_media":848040,"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":[1],"tags":[],"aioseo_notices":[],"gutentor_comment":0,"rttpg_featured_image_url":{"full":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/04\/o_91776152166.png",650,435,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/04\/o_91776152166.png",650,435,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/04\/o_91776152166.png",650,435,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/04\/o_91776152166-500x280.png",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/04\/o_91776152166-545x365.png",545,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/04\/o_91776152166.png",640,428,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/04\/o_91776152166.png",650,435,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/04\/o_91776152166.png",650,435,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/04\/o_91776152166-240x172.png",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/04\/o_91776152166.png",650,435,false]},"rttpg_author":{"display_name":"V\u00fcsal Rafiqo\u011flu","author_link":"https:\/\/arantv.az\/?author=2"},"rttpg_comment":0,"rttpg_category":"C\u0259miyy\u0259t<\/a>","rttpg_excerpt":"Az\u0259rbaycanda pensiya sisteminin t\u0259kmill\u0259\u015fdirilm\u0259si istiqam\u0259tind\u0259 m\u00fczakir\u0259l\u0259r ill\u0259rdir davam ets\u0259 d\u0259, \u00f6z\u0259l pensiya fondlar\u0131n\u0131n yarad\u0131lmas\u0131 v\u0259 v\u0259t\u0259nda\u015flar\u0131n pensiyalar\u0131n\u0131 ist\u0259dikl\u0259ri bank vasit\u0259sil\u0259 \u0259ld\u0259 etm\u0259si m\u0259s\u0259l\u0259si h\u0259l\u0259 d\u0259 a\u00e7\u0131q qal\u0131r. M\u00f6vcud sistemd\u0259 pensiya \u00f6d\u0259ni\u015fl\u0259rinin m\u00fc\u0259yy\u0259n banklar \u00fcz\u0259rind\u0259n h\u0259yata ke\u00e7irilm\u0259si se\u00e7im azadl\u0131\u011f\u0131n\u0131 m\u0259hdudla\u015fd\u0131r\u0131r v\u0259 bu da v\u0259t\u0259nda\u015f m\u0259mnuniyy\u0259ti il\u0259 ba\u011fl\u0131 suallar do\u011furur. Eyni zamanda, \u00f6z\u0259l pensiya fondlar\u0131n\u0131n formala\u015fd\u0131r\u0131lmas\u0131 h\u0259m…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/848039"}],"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=848039"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/848039\/revisions"}],"predecessor-version":[{"id":848041,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/848039\/revisions\/848041"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/848040"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=848039"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=848039"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=848039"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}