M\u00fcasir d\u00f6vrd\u0259 qlobal iqtisadiyyat\u0131n \u00fczl\u0259\u015fdiyi geosiyasi g\u0259rginlikl\u0259r, iqlim d\u0259yi\u015fiklikl\u0259ri, r\u0259q\u0259msal transformasiya v\u0259 demoqrafik d\u0259yi\u015fiklikl\u0259r s\u0131\u011forta sektorunun rolunu daha da art\u0131rm\u0131\u015fd\u0131r. Bu g\u00fcn s\u0131\u011forta maliyy\u0259 itkil\u0259rinin kompensasiyas\u0131 il\u0259 yana\u015f\u0131, iqtisadi dayan\u0131ql\u0131l\u0131\u011f\u0131n, sosial rifah\u0131n v\u0259 davaml\u0131 inki\u015faf\u0131n t\u0259min edilm\u0259sind\u0259 m\u00fch\u00fcm mexanizm kimi \u00e7\u0131x\u0131\u015f edir.<\/p>\n
Bunu \u0130qtisadi \u0130slahatlar\u0131n T\u0259hlili v\u0259 Kommunikasiya M\u0259rk\u0259zinin \u0130cra\u00e7\u0131 direktoru V\u00fcsal Qas\u0131ml\u0131 Az\u0259rbaycan Beyn\u0259lxalq S\u0131\u011forta Forumunda deyib.<\/p>\n
Onun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, son ill\u0259rin beyn\u0259lxalq hesabatlar\u0131 s\u0131\u011forta sektorunda d\u0259rin struktur d\u0259yi\u015fiklikl\u0259rinin ba\u015f verdiyini g\u00f6st\u0259rir: \u201cAllianz Global Insurance Report 2026 g\u00f6st\u0259rir ki, qlobal s\u0131\u011forta sektoru 6.9 trilyon avroluq h\u0259cm v\u0259 7.1%-lik art\u0131m tempi il\u0259 dayan\u0131ql\u0131 geni\u015fl\u0259nm\u0259 m\u0259rh\u0259l\u0259sind\u0259dir. BlackRock Global Insurance Report 2025 s\u0131\u011forta sektorunda m\u00fch\u00fcm struktur transformasiyan\u0131n ba\u015f verdiyini g\u00f6st\u0259rir. Bel\u0259 ki, s\u0131\u011forta \u015firk\u0259tl\u0259rinin t\u0259xmin\u0259n 30 faizi \u00f6z\u0259l bazarlara investisiyalar\u0131n art\u0131r\u0131lmas\u0131n\u0131 planla\u015fd\u0131r\u0131r, 87 faizi hibrid aktivl\u0259rin idar\u0259 edilm\u0259si (hibrid asset management) modelin\u0259 ke\u00e7id edir, 73 faizi is\u0259 s\u00fcni intellekt v\u0259 data analitikas\u0131 kimi texnoloji h\u0259ll\u0259ri aktiv \u015f\u0259kild\u0259 t\u0259tbiq edir. Eyni zamanda, \u015firk\u0259tl\u0259rin t\u0259xmin\u0259n 70 faizi ESG v\u0259 dayan\u0131ql\u0131 investisiya strategiyalar\u0131n\u0131 davam etdirir. Bu g\u00f6st\u0259ricil\u0259r s\u0131\u011forta sektorunun investisiya davran\u0131\u015f\u0131nda daha y\u00fcks\u0259k g\u0259lirli aktivl\u0259r\u0259 y\u00f6n\u0259lm\u0259, idar\u0259etm\u0259d\u0259 \u00e7eviklik v\u0259 texnoloji transformasiya hesab\u0131na daha dayan\u0131ql\u0131 v\u0259 diversifikasiya olunmu\u015f model\u0259 ke\u00e7diyini t\u0259sdiql\u0259yir. Global Insurance Market Index hesabat\u0131 g\u00f6st\u0259rir ki, qlobal s\u0131\u011forta bazar\u0131 2022\u20132023-c\u00fc ill\u0259rd\u0259 y\u00fcks\u0259k art\u0131m m\u0259rh\u0259l\u0259sind\u0259n sonra 2024-c\u00fc ild\u0259 stabill\u0259\u015fm\u0259 m\u0259rh\u0259l\u0259sin\u0259 ke\u00e7mi\u015f, 2025\u20132026-c\u0131 ill\u0259rd\u0259 is\u0259 ard\u0131c\u0131l eni\u015f dinamikas\u0131 il\u0259 yum\u015faq bazar (soft market) m\u0259rh\u0259l\u0259sin\u0259 daxil olmu\u015fdur. Bu dinamika bir t\u0259r\u0259fd\u0259n s\u0131\u011forta m\u0259hsullar\u0131n\u0131n \u0259l\u00e7atanl\u0131\u011f\u0131n\u0131n artmas\u0131n\u0131, dig\u0259r t\u0259r\u0259fd\u0259n is\u0259 riskl\u0259rin daha geni\u015f v\u0259 \u00e7evik \u015f\u0259kild\u0259 t\u0259min olunmas\u0131na \u015f\u0259rait yarand\u0131\u011f\u0131n\u0131 ifad\u0259 edir. Forumun g\u00fcnd\u0259liyind\u0259 yer alan \u00f6z\u0259l pensiya sisteml\u0259ri, t\u0259krars\u0131\u011forta v\u0259 t\u0259bii f\u0259lak\u0259t riskl\u0259ri, h\u0259yat v\u0259 sa\u011flaml\u0131q s\u0131\u011fortas\u0131, pe\u015f\u0259kar t\u0259hsil v\u0259 s\u0131\u011forta brokerliyi kimi m\u00f6vzular sektorun g\u0259l\u0259c\u0259yini m\u00fc\u0259yy\u0259n ed\u0259n strateji istiqam\u0259tl\u0259ri \u0259hat\u0259 edir. Bu m\u00f6vzular\u0131n beyn\u0259lxalq ekspertl\u0259rl\u0259 birg\u0259 m\u00fczakir\u0259si h\u0259m qabaqc\u0131l t\u0259cr\u00fcb\u0259l\u0259rin \u00f6yr\u0259nilm\u0259si, h\u0259m d\u0259 Az\u0259rbaycan s\u0131\u011forta bazar\u0131n\u0131n dayan\u0131ql\u0131 inki\u015faf\u0131 bax\u0131m\u0131ndan x\u00fcsusi \u0259h\u0259miyy\u0259t k\u0259sb edir\u201d.<\/p>\n
V.Qas\u0131ml\u0131 qeyd edib ki, Az\u0259rbaycan Respublikas\u0131nda h\u0259yata ke\u00e7iril\u0259n ard\u0131c\u0131l iqtisadi islahatlar, x\u00fcsusil\u0259 d\u0259 c\u0259nab Prezident t\u0259r\u0259find\u0259n \u201cAz\u0259rbaycan Respublikas\u0131nda maliyy\u0259 inkl\u00fczivliyinin geni\u015fl\u0259ndirilm\u0259sin\u0259 dair 2027\u20132030-cu ill\u0259r \u00fc\u00e7\u00fcn D\u00f6vl\u0259t Proqram\u0131\u201dn\u0131n t\u0259sdiqi maliyy\u0259 sektorunun modernl\u0259\u015fdirilm\u0259si, r\u0259q\u0259msalla\u015fman\u0131n s\u00fcr\u0259tl\u0259ndirilm\u0259si v\u0259 innovativ maliyy\u0259 h\u0259ll\u0259rinin t\u0259tbiqin\u0259 t\u0259kan verm\u0259kl\u0259 yana\u015f\u0131, s\u0131\u011forta bazar\u0131n\u0131n daha dayan\u0131ql\u0131 v\u0259 inkl\u00fcziv inki\u015faf\u0131 \u00fc\u00e7\u00fcn yeni perspektivl\u0259r a\u00e7\u0131b: \u201cSon ill\u0259r Az\u0259rbaycan s\u0131\u011forta bazar\u0131n\u0131n n\u00fcmayi\u015f etdirdiyi dinamika sektorun \u0259h\u0259miyy\u0259tli inki\u015faf potensial\u0131na malik oldu\u011funu ayd\u0131n \u015f\u0259kild\u0259 g\u00f6st\u0259rir. Bel\u0259 ki, 2022\u20132025-ci ill\u0259r \u0259rzind\u0259 \u00f6lk\u0259d\u0259 toplanm\u0131\u015f s\u0131\u011forta haqlar\u0131 971 milyon manatdan 1,5 milyard manata y\u00fcks\u0259l\u0259r\u0259k t\u0259xmin\u0259n 55 faiz art\u0131b. Eyni d\u00f6vrd\u0259 s\u0131\u011forta \u00f6d\u0259ni\u015fl\u0259rinin h\u0259cmi 433 milyon manatdan 921 milyon manata \u00e7ataraq iki d\u0259f\u0259d\u0259n \u00e7ox art\u0131b. M\u00fcsb\u0259t tendensiya adamba\u015f\u0131na d\u00fc\u015f\u0259n s\u0131\u011forta haqlar\u0131nda da \u00f6z\u00fcn\u00fc g\u00f6st\u0259rir. Bel\u0259 ki, bu g\u00f6st\u0259rici 2022-ci ild\u0259 95 manat oldu\u011fu halda, 2025-ci ild\u0259 147 manata y\u00fcks\u0259lib. Bununla yana\u015f\u0131, s\u0131\u011forta sektorunun iqtisadiyyatda rolunu \u0259ks etdir\u0259n penetrasiya s\u0259viyy\u0259si d\u0259 artaraq 0,73 faizd\u0259n 1,17 faiz\u0259 \u00e7at\u0131b. O c\u00fcml\u0259d\u0259n, 2022\u20132025-ci ill\u0259r d\u00f6vr\u00fcnd\u0259 h\u0259yat v\u0259 qeyri-h\u0259yat s\u0131\u011forta \u015firk\u0259tl\u0259rind\u0259 aktivl\u0259rin rentabelliyi (ROA) f\u0259rqli dinamikalar n\u00fcmayi\u015f etdirib. Bel\u0259 ki, h\u0259yat s\u0131\u011forta \u015firk\u0259tl\u0259rind\u0259 ROA g\u00f6st\u0259ricisi t\u0259xmin\u0259n 8 faiz s\u0259viyy\u0259sind\u0259 sabit qal\u0131b, qeyri-h\u0259yat s\u0131\u011forta \u015firk\u0259tl\u0259rind\u0259 is\u0259 4 faizd\u0259n 7 faiz\u0259 q\u0259d\u0259r y\u00fcks\u0259lib. Onu da qeyd etm\u0259k laz\u0131md\u0131r ki, 2025-ci ild\u0259 unikal s\u0131\u011forta m\u00fcqavil\u0259si sahibl\u0259rinin (h\u0259yat v\u0259 qeyri-h\u0259yat s\u0131\u011forta n\u00f6vl\u0259ri \u00fczr\u0259) \u00fcmumi say\u0131n\u0131n yetkin \u0259hali aras\u0131nda pay\u0131 25 faiz t\u0259\u015fkil edib. \u201cAz\u0259rbaycan Respublikas\u0131nda maliyy\u0259 inkl\u00fczivliyinin geni\u015fl\u0259ndirilm\u0259sin\u0259 dair 2027\u20132030-cu ill\u0259r \u00fc\u00e7\u00fcn D\u00f6vl\u0259t Proqram\u0131\u201d \u00e7\u0259r\u00e7iv\u0259sind\u0259 is\u0259 bu g\u00f6st\u0259ricinin 32 faiz\u0259 \u00e7atd\u0131r\u0131lmas\u0131 h\u0259d\u0259fl\u0259nib. Qlobal miqyasda investisiya davran\u0131\u015flar\u0131n\u0131n d\u0259yi\u015fm\u0259si, texnoloji h\u0259ll\u0259rin geni\u015f t\u0259tbiqi v\u0259 riskl\u0259rin idar\u0259 olunmas\u0131nda daha \u00e7evik yana\u015fmalar\u0131n formala\u015fmas\u0131 sektorun yeni inki\u015faf modelin\u0259 ke\u00e7idini s\u00fcr\u0259tl\u0259ndirir. Eyni zamanda, \u00f6lk\u0259mizd\u0259 h\u0259yata ke\u00e7iril\u0259n institusional islahatlar v\u0259 strateji d\u00f6vl\u0259t proqramlar\u0131 s\u0131\u011forta bazar\u0131n\u0131n modernl\u0259\u015fdirilm\u0259si v\u0259 \u0259hat\u0259 dair\u0259sinin geni\u015fl\u0259ndirilm\u0259si \u00fc\u00e7\u00fcn m\u00f6hk\u0259m baza yarad\u0131r. Bu kontekstd\u0259, s\u0131\u011forta sektorunun g\u0259l\u0259c\u0259k inki\u015faf\u0131 yaln\u0131z maliyy\u0259 itkil\u0259rinin kompensasiyas\u0131 funksiyas\u0131 il\u0259 m\u0259hdudla\u015fmayaraq, h\u0259m d\u0259 iqtisadi art\u0131m\u0131n d\u0259st\u0259kl\u0259nm\u0259si, investisiya resurslar\u0131n\u0131n s\u0259f\u0259rb\u0259r edilm\u0259si v\u0259 c\u0259miyy\u0259tin riskl\u0259r\u0259 dayan\u0131ql\u0131l\u0131\u011f\u0131n\u0131n art\u0131r\u0131lmas\u0131 bax\u0131m\u0131ndan daha geni\u015f bir missiya da\u015f\u0131yacaqd\u0131r\u201d.\/\u0130qtisadiyyat.az<\/p>\n","protected":false},"excerpt":{"rendered":"
M\u00fcasir d\u00f6vrd\u0259 qlobal iqtisadiyyat\u0131n \u00fczl\u0259\u015fdiyi geosiyasi g\u0259rginlikl\u0259r, iqlim d\u0259yi\u015fiklikl\u0259ri, r\u0259q\u0259msal transformasiya v\u0259 demoqrafik d\u0259yi\u015fiklikl\u0259r s\u0131\u011forta sektorunun rolunu daha da art\u0131rm\u0131\u015fd\u0131r. Bu g\u00fcn s\u0131\u011forta maliyy\u0259 itkil\u0259rinin kompensasiyas\u0131 il\u0259 yana\u015f\u0131, iqtisadi dayan\u0131ql\u0131l\u0131\u011f\u0131n, sosial rifah\u0131n v\u0259 davaml\u0131 inki\u015faf\u0131n t\u0259min edilm\u0259sind\u0259 m\u00fch\u00fcm mexanizm kimi \u00e7\u0131x\u0131\u015f edir. Bunu \u0130qtisadi \u0130slahatlar\u0131n T\u0259hlili v\u0259 Kommunikasiya M\u0259rk\u0259zinin \u0130cra\u00e7\u0131 direktoru V\u00fcsal Qas\u0131ml\u0131 Az\u0259rbaycan Beyn\u0259lxalq…<\/p>\n","protected":false},"author":2,"featured_media":856799,"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,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-856798","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cmiyyt"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t