{"id":853084,"date":"2026-05-23T19:59:40","date_gmt":"2026-05-23T15:59:40","guid":{"rendered":"https:\/\/arantv.az\/?p=853084"},"modified":"2026-05-23T19:59:40","modified_gmt":"2026-05-23T15:59:40","slug":"maaslarin-od%c9%99nis-qaydasi-d%c9%99yisir-artiq-ayliq-verilm%c9%99y%c9%99c%c9%99k","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=853084","title":{"rendered":"Maa\u015flar\u0131n \u00f6d\u0259ni\u015f QAYDASI D\u018fY\u0130\u015e\u0130R &#8211; Art\u0131q ayl\u0131q verilm\u0259y\u0259c\u0259k"},"content":{"rendered":"<div class=\"text-content\" data-id=\"\" data-url=\"\">\n<p>Az\u0259rbaycanda \u0259m\u0259khaqq\u0131 sistemind\u0259 m\u00fcmk\u00fcn d\u0259yi\u015fiklikl\u0259rl\u0259 ba\u011fl\u0131 m\u00fczakir\u0259l\u0259r yenid\u0259n g\u00fcnd\u0259m\u0259 g\u0259lib. X\u00fcsusil\u0259 maa\u015flar\u0131n ayl\u0131q deyil, hiss\u0259-hiss\u0259 \u00f6d\u0259nilm\u0259si il\u0259 ba\u011fl\u0131 t\u0259klifl\u0259r c\u0259miyy\u0259td\u0259 m\u00fcxt\u0259lif fikirl\u0259r yarad\u0131r. B\u0259zi m\u00fct\u0259x\u0259ssisl\u0259r bunun i\u015f\u00e7il\u0259rin g\u00fcnd\u0259lik x\u0259rcl\u0259rini daha rahat planla\u015fd\u0131rmas\u0131na k\u00f6m\u0259k ed\u0259c\u0259yini d\u00fc\u015f\u00fcns\u0259l\u0259r d\u0259, dig\u0259rl\u0259ri uzun ill\u0259r ayl\u0131q maa\u015f sistemin\u0259 uy\u011funla\u015fm\u0131\u015f insanlar\u0131n b\u00fcdc\u0259 idar\u0259\u00e7iliyind\u0259 \u00e7\u0259tinlik \u00e7\u0259k\u0259 bil\u0259c\u0259yini qeyd edirl\u0259r. Eyni zamanda, yeni sistemin bank \u0259m\u0259liyyatlar\u0131ndan tutmu\u015f kredit v\u0259 kommunal \u00f6d\u0259ni\u015fl\u0259r\u0259 q\u0259d\u0259r bir \u00e7ox sah\u0259y\u0259 t\u0259sir g\u00f6st\u0259r\u0259 bil\u0259c\u0259yi bildirilir.<\/p>\n<p>M\u0259s\u0259l\u0259 il\u0259 ba\u011fl\u0131 iqtisad\u00e7\u0131 R\u0259\u015fad H\u0259s\u0259nov Demokrat.az-a bildirib ki, bu yana\u015fma \u0259halinin h\u0259yat keyfiyy\u0259tind\u0259 ciddi d\u0259yi\u015fiklik yaradacaq add\u0131m deyil:<\/p>\n<p>\u201c\u00c7\u00fcnki burada insanlar\u0131n ayl\u0131q v\u0259 ya h\u0259ft\u0259lik g\u0259lirl\u0259ri real ifad\u0259d\u0259 artm\u0131r. Sad\u0259c\u0259 \u0259m\u0259k haqq\u0131n\u0131n \u00f6d\u0259ni\u015f formas\u0131 d\u0259yi\u015fir. Y\u0259ni v\u0259t\u0259nda\u015f \u0259vv\u0259l ald\u0131\u011f\u0131 m\u0259bl\u0259\u011fi yen\u0259 alacaq, sad\u0259c\u0259 h\u0259min v\u0259sait ona hiss\u0259-hiss\u0259 t\u0259qdim olunacaq. Bununla bel\u0259, d\u00fcnya t\u0259cr\u00fcb\u0259sind\u0259 ox\u015far yana\u015fmalar t\u0259tbiq olunur v\u0259 bir s\u0131ra \u00f6lk\u0259l\u0259rd\u0259 \u0259m\u0259k haqq\u0131n\u0131n ay \u0259rzind\u0259 bir ne\u00e7\u0259 d\u0259f\u0259 \u00f6d\u0259nilm\u0259si praktikas\u0131na rast g\u0259linir. Bu sistem m\u00fc\u0259yy\u0259n m\u0259nada ail\u0259l\u0259rin b\u00fcdc\u0259 planlamas\u0131n\u0131 daha rahat ed\u0259 bil\u0259r. X\u00fcsusil\u0259 d\u0259 insanlar\u0131n pulla davran\u0131\u015f modell\u0259rind\u0259 tez-tez rast g\u0259lin\u0259n irrasional q\u0259rarlar\u0131n v\u0259 plans\u0131z x\u0259rcl\u0259m\u0259l\u0259rin m\u00fc\u0259yy\u0259n q\u0259d\u0259r qar\u015f\u0131s\u0131n\u0131 alma\u011fa k\u00f6m\u0259k ed\u0259 bil\u0259r. M\u0259s\u0259l\u0259 ondad\u0131r ki, ayl\u0131q \u0259m\u0259k haqq\u0131 toplu \u015f\u0259kild\u0259 \u0259ld\u0259 edildikd\u0259 v\u0259 d\u00fczg\u00fcn planlama apar\u0131lmad\u0131qda, v\u0259sait q\u0131sa m\u00fcdd\u0259td\u0259 s\u0259m\u0259r\u0259siz istiqam\u0259tl\u0259r\u0259 x\u0259rcl\u0259n\u0259 bilir. N\u0259tic\u0259d\u0259 is\u0259 ay\u0131n qalan hiss\u0259sind\u0259 v\u0259t\u0259nda\u015f borclanma\u011fa m\u0259cbur qal\u0131r. \u018fm\u0259k haqq\u0131n\u0131n iki v\u0259 ya daha \u00e7ox hiss\u0259y\u0259 b\u00f6l\u00fcn\u0259r\u0259k verilm\u0259si is\u0259 q\u0131sam\u00fcdd\u0259tli b\u00fcdc\u0259 planlamas\u0131n\u0131 nisb\u0259t\u0259n asanla\u015fd\u0131ra bil\u0259r. \u0130nsanlar x\u0259rcl\u0259rini daha m\u0259rh\u0259l\u0259li \u015f\u0259kild\u0259 idar\u0259 etm\u0259y\u0259 \u00e7al\u0131\u015far v\u0259 bu da \u0259lav\u0259, d\u00fc\u015f\u00fcn\u00fclm\u0259mi\u015f x\u0259rcl\u0259rin m\u00fc\u0259yy\u0259n q\u0259d\u0259r azalmas\u0131na s\u0259b\u0259b ola bil\u0259r\u201d.<\/p>\n<p>O deyib ki, bu yana\u015fma g\u0259lirin ay \u0259rzind\u0259 daha balansl\u0131 \u015f\u0259kild\u0259 istifad\u0259 olunmas\u0131na imkan yarada bil\u0259r:<\/p>\n<p>\u201c\u0130nsanlar\u0131n q\u0131sam\u00fcdd\u0259tli borclanma ehtiyaclar\u0131 azala, g\u00fcnd\u0259lik maliyy\u0259 t\u0259zyiqi m\u00fc\u0259yy\u0259n q\u0259d\u0259r y\u00fcng\u00fcll\u0259\u015f\u0259 bil\u0259r. T\u0259bii ki, ilkin m\u0259rh\u0259l\u0259d\u0259 b\u0259zi planlama \u00e7\u0259tinlikl\u0259ri v\u0259 uy\u011funla\u015fma probleml\u0259ri yarana bil\u0259r. Amma orta v\u0259 uzunm\u00fcdd\u0259tli d\u00f6vrd\u0259 v\u0259t\u0259nda\u015flar bu sistem\u0259 uy\u011funla\u015fa bil\u0259rl\u0259r. Bu daha \u00e7ox texniki xarakterli d\u0259yi\u015fiklikdir. M\u00fc\u0259yy\u0259n davran\u0131\u015f modell\u0259rinin yenid\u0259n formala\u015fmas\u0131na, x\u0259rcl\u0259m\u0259 v\u0259rdi\u015fl\u0259rinin nizamlanmas\u0131na v\u0259 q\u0131sam\u00fcdd\u0259tli maliyy\u0259 idar\u0259\u00e7iliyinin yax\u015f\u0131la\u015fmas\u0131na t\u0259sir g\u00f6st\u0259r\u0259 bil\u0259r. Lakin bu yana\u015fma ail\u0259l\u0259rin g\u0259lirl\u0259rinin real olaraq artmas\u0131 v\u0259 ya ciddi sosial-iqtisadi keyfiyy\u0259t d\u0259yi\u015fikliyi yaranmas\u0131 anlam\u0131na g\u0259lmir\u201d.\/<\/p>\n<p>Qeyd ed\u0259k ki, Beyn\u0259lxalq praktikada x\u00fcsusil\u0259 AB\u015e v\u0259 B\u00f6y\u00fck Britaniya kimi \u00f6lk\u0259l\u0259rd\u0259 h\u0259ft\u0259lik v\u0259 ya iki h\u0259ft\u0259d\u0259n bir h\u0259yata ke\u00e7iril\u0259n \u00f6d\u0259ni\u015f \u00fcsullar\u0131 geni\u015f yay\u0131l\u0131b. Az\u0259rbaycanda bu ke\u00e7idin m\u00fcmk\u00fcnl\u00fcy\u00fc h\u0259m d\u0259 i\u015f\u0259g\u00f6t\u00fcr\u0259nl\u0259rin m\u00fchasibatl\u0131q y\u00fckl\u0259rini art\u0131ra bil\u0259r. H\u0259r ay t\u0259k t\u0259rkibli s\u0259n\u0259dl\u0259\u015fm\u0259 \u0259v\u0259zin\u0259 bir ne\u00e7\u0259 d\u0259f\u0259 \u0259m\u0259liyyat aparmaq \u015firk\u0259tl\u0259rin bank x\u0259rcl\u0259rini v\u0259 inzibati i\u015fini \u00e7oxaldacaq. Dig\u0259r t\u0259r\u0259fd\u0259n, m\u00f6vcud kredit sisteminin ayl\u0131q qrafikl\u0259r \u00fcz\u0259rind\u0259 qurulmas\u0131 s\u0259b\u0259bind\u0259n v\u0259t\u0259nda\u015flar\u0131n daxil olan x\u0131rda m\u0259bl\u0259\u011fl\u0259ri toplay\u0131b bank \u00f6hd\u0259likl\u0259rini vaxt\u0131nda ba\u011flamas\u0131 ilkin d\u00f6vrd\u0259 ciddi adaptasiya d\u00f6vr\u00fc t\u0259l\u0259b ed\u0259c\u0259k.<\/p>\n<\/div>\n<div><\/div>\n<div><\/div>\n<div class=\"inner-social-box\">\n<div class=\"subs-in-social subs-whatsapp\"><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Az\u0259rbaycanda \u0259m\u0259khaqq\u0131 sistemind\u0259 m\u00fcmk\u00fcn d\u0259yi\u015fiklikl\u0259rl\u0259 ba\u011fl\u0131 m\u00fczakir\u0259l\u0259r yenid\u0259n g\u00fcnd\u0259m\u0259 g\u0259lib. X\u00fcsusil\u0259 maa\u015flar\u0131n ayl\u0131q deyil, hiss\u0259-hiss\u0259 \u00f6d\u0259nilm\u0259si il\u0259 ba\u011fl\u0131 t\u0259klifl\u0259r c\u0259miyy\u0259td\u0259 m\u00fcxt\u0259lif fikirl\u0259r yarad\u0131r. B\u0259zi m\u00fct\u0259x\u0259ssisl\u0259r bunun i\u015f\u00e7il\u0259rin g\u00fcnd\u0259lik x\u0259rcl\u0259rini daha rahat planla\u015fd\u0131rmas\u0131na k\u00f6m\u0259k ed\u0259c\u0259yini d\u00fc\u015f\u00fcns\u0259l\u0259r d\u0259, dig\u0259rl\u0259ri uzun ill\u0259r ayl\u0131q maa\u015f sistemin\u0259 uy\u011funla\u015fm\u0131\u015f insanlar\u0131n b\u00fcdc\u0259 idar\u0259\u00e7iliyind\u0259 \u00e7\u0259tinlik \u00e7\u0259k\u0259 bil\u0259c\u0259yini qeyd edirl\u0259r. Eyni zamanda, yeni sistemin bank \u0259m\u0259liyyatlar\u0131ndan tutmu\u015f kredit v\u0259 kommunal \u00f6d\u0259ni\u015fl\u0259r\u0259 q\u0259d\u0259r bir \u00e7ox sah\u0259y\u0259 t\u0259sir g\u00f6st\u0259r\u0259 bil\u0259c\u0259yi bildirilir. M\u0259s\u0259l\u0259 il\u0259 ba\u011fl\u0131 iqtisad\u00e7\u0131 R\u0259\u015fad H\u0259s\u0259nov Demokrat.az-a bildirib ki, bu yana\u015fma \u0259halinin h\u0259yat keyfiyy\u0259tind\u0259 ciddi d\u0259yi\u015fiklik yaradacaq add\u0131m deyil: \u201c\u00c7\u00fcnki&hellip;<\/p>\n","protected":false},"author":2,"featured_media":853085,"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\/05\/8264a0cc4de3a627c7b56944ffce3630.jpg",750,422,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/05\/8264a0cc4de3a627c7b56944ffce3630.jpg",750,422,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/05\/8264a0cc4de3a627c7b56944ffce3630.jpg",750,422,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/05\/8264a0cc4de3a627c7b56944ffce3630-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/05\/8264a0cc4de3a627c7b56944ffce3630-649x365.jpg",649,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/05\/8264a0cc4de3a627c7b56944ffce3630.jpg",640,360,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/05\/8264a0cc4de3a627c7b56944ffce3630.jpg",750,422,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/05\/8264a0cc4de3a627c7b56944ffce3630.jpg",750,422,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/05\/8264a0cc4de3a627c7b56944ffce3630-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/05\/8264a0cc4de3a627c7b56944ffce3630.jpg",750,422,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=1\" rel=\"category\">C\u0259miyy\u0259t<\/a>","rttpg_excerpt":"Az\u0259rbaycanda \u0259m\u0259khaqq\u0131 sistemind\u0259 m\u00fcmk\u00fcn d\u0259yi\u015fiklikl\u0259rl\u0259 ba\u011fl\u0131 m\u00fczakir\u0259l\u0259r yenid\u0259n g\u00fcnd\u0259m\u0259 g\u0259lib. X\u00fcsusil\u0259 maa\u015flar\u0131n ayl\u0131q deyil, hiss\u0259-hiss\u0259 \u00f6d\u0259nilm\u0259si il\u0259 ba\u011fl\u0131 t\u0259klifl\u0259r c\u0259miyy\u0259td\u0259 m\u00fcxt\u0259lif fikirl\u0259r yarad\u0131r. B\u0259zi m\u00fct\u0259x\u0259ssisl\u0259r bunun i\u015f\u00e7il\u0259rin g\u00fcnd\u0259lik x\u0259rcl\u0259rini daha rahat planla\u015fd\u0131rmas\u0131na k\u00f6m\u0259k ed\u0259c\u0259yini d\u00fc\u015f\u00fcns\u0259l\u0259r d\u0259, dig\u0259rl\u0259ri uzun ill\u0259r ayl\u0131q maa\u015f sistemin\u0259 uy\u011funla\u015fm\u0131\u015f insanlar\u0131n b\u00fcdc\u0259 idar\u0259\u00e7iliyind\u0259 \u00e7\u0259tinlik \u00e7\u0259k\u0259 bil\u0259c\u0259yini qeyd edirl\u0259r. Eyni zamanda, yeni sistemin&hellip;","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/853084"}],"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=853084"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/853084\/revisions"}],"predecessor-version":[{"id":853086,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/853084\/revisions\/853086"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/853085"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=853084"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=853084"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=853084"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}