\u018fm\u0259k qanunvericliyin\u0259 200-\u0259 yax\u0131n d\u0259yi\u015fiklik üz\u0259rind\u0259 i\u015fl\u0259r tamamlanmaq üzr\u0259dir. \u018fm\u0259k v\u0259 \u018fhalinin Sosial Müdafi\u0259si Nazirliyinin m\u0259lumat\u0131na gör\u0259, 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 qurumlar il\u0259 raz\u0131la\u015fd\u0131r\u0131lmaqda olan qanun layih\u0259l\u0259rind\u0259n biri d\u0259 “Qeyri-dövl\u0259t (öz\u0259l) pensiya fondar\u0131” il\u0259 ba\u011fl\u0131d\u0131r. Öz\u0259l pensiya fondlar\u0131n\u0131n yarad\u0131lmas\u0131 il\u0259 ba\u011fl\u0131 20-d\u0259n çox normativ hüquqi akt layih\u0259si haz\u0131rlan\u0131b.<\/p>\n
B\u0259s öz\u0259l pensiya fondlar\u0131n\u0131n yarad\u0131lmas\u0131 v\u0259t\u0259nda\u015flara n\u0259 qazand\u0131racaq?<\/p>\n
Ucnoqta.az-\u0131n m\u0259lumat\u0131na gör\u0259, iqtisadç\u0131 deputat Vüqar Bayramov bu suala cavab verib.<\/p>\n
O bildirib ki, \u0259ks\u0259r inki\u015faf etmi\u015f dövl\u0259tl\u0259rd\u0259 v\u0259t\u0259nda\u015flar öz\u0259l pensiya fondlar\u0131ndan çox s\u0131x \u015f\u0259kild\u0259 istifad\u0259 edirl\u0259r. Öz\u0259l pensiya fondu imkan verir ki, v\u0259t\u0259nda\u015flar pensiya ya\u015f\u0131na çatd\u0131qda yaln\u0131z dövl\u0259td\u0259n deyil, öz\u0259l fonddan da pensiya ala bilsin. Bu da t\u0259bii ki, pensiya m\u0259bl\u0259\u011finin artmas\u0131na g\u0259tirib ç\u0131xar\u0131r. Bu kontekstd\u0259n, ox\u015far praktikan\u0131n Az\u0259rbaycanda t\u0259tbiq edilm\u0259sin\u0259 ehtiyac var idi.<\/p>\n
“Öz\u0259l pensiya fondu yarad\u0131larsa, v\u0259t\u0259nda\u015f pensiyaya ç\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, öz\u0259l pensiya fonduna öd\u0259diyi öd\u0259ni\u015fl\u0259r n\u0259tic\u0259sind\u0259 \u0259lav\u0259 olaraq, 300 manat almaq imkan\u0131 da qazanacaq. Bu nümun\u0259d\u0259, v\u0259t\u0259nda\u015f 600 manat deyil, 900 manat pensiya ala bil\u0259c\u0259k. T\u0259bii ki, öz\u0259l fonddan öd\u0259nil\u0259n pensiya m\u0259bl\u0259\u011fi birba\u015fa y\u0131\u011f\u0131mlardan as\u0131l\u0131 olacaq. Bu zaman daha çox y\u0131\u011f\u0131m daha çox pensiya m\u0259bl\u0259\u011fi dem\u0259k olacaq.<\/p>\n
Öz\u0259l pensiya fondlar\u0131n\u0131n dig\u0259r s\u0259ciyy\u0259vi xüsusiyy\u0259ti h\u0259min fondda y\u0131\u011f\u0131lan pensiya kapital\u0131ndan daha tez istifad\u0259 imkan\u0131d\u0131r. \u018fks\u0259r dövl\u0259tl\u0259rd\u0259 öz\u0259l fondlarda y\u0131\u011f\u0131lan kapitaldan pensiya ya\u015f\u0131ndan \u0259vv\u0259l istifad\u0259 imkanlar\u0131 var. Dig\u0259r t\u0259r\u0259fd\u0259n, xarici t\u0259crüb\u0259 göst\u0259rir ki, bu zaman öz\u0259l fondda y\u0131\u011f\u0131lan v\u0259saitin ayl\u0131q v\u0259 ya hiss\u0259-hiss\u0259 götürlm\u0259si d\u0259 mümkün olur. Bu kontekstd\u0259n bel\u0259 fondlar h\u0259m pensiya kapital\u0131ndan daha tez istifad\u0259y\u0259, h\u0259m öd\u0259ni\u015f qrafikinin qar\u015f\u0131l\u0131ql\u0131 raz\u0131la\u015fd\u0131r\u0131lmas\u0131na imkan verir.<\/p>\n
Bütün bunlar il\u0259 yana\u015f\u0131, öz\u0259l pensiya fondunun etibarl\u0131l\u0131\u011f\u0131 da çox ön\u0259mlidir. Çünki bel\u0259 pensiya fondlar\u0131 yaranarsa, v\u0259saitl\u0259r manatla y\u0131\u011f\u0131lacaq v\u0259 onun idar\u0259 edilm\u0259si h\u0259yata keçiril\u0259c\u0259k. Ona gör\u0259 d\u0259 burada ilkin kapital\u0131n formala\u015fd\u0131r\u0131lmas\u0131, etibarl\u0131l\u0131\u011f\u0131n art\u0131r\u0131lmas\u0131 ön\u0259m da\u015f\u0131y\u0131r. Bu bax\u0131mdan, öz\u0259l pensiya fondlar\u0131 yarad\u0131ld\u0131qdan sonra orada y\u0131\u011f\u0131lan v\u0259saitl\u0259rin indeksasiyas\u0131n\u0131n h\u0259yata keçirilm\u0259si v\u0259 valyuta riskl\u0259rinin s\u0131\u011fortalanmas\u0131na ehtiyac var. Bu is\u0259 praktikada daha t\u0259kmil mexanizmin haz\u0131rlan\u0131b t\u0259qdim edilm\u0259sini aktualla\u015fd\u0131r\u0131r”, – deputat qeyd edib.<\/p>\n","protected":false},"excerpt":{"rendered":"
\u018fm\u0259k qanunvericliyin\u0259 200-\u0259 yax\u0131n d\u0259yi\u015fiklik üz\u0259rind\u0259 i\u015fl\u0259r tamamlanmaq üzr\u0259dir. \u018fm\u0259k v\u0259 \u018fhalinin Sosial Müdafi\u0259si Nazirliyinin m\u0259lumat\u0131na gör\u0259, 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.…<\/p>\n","protected":false},"author":1,"featured_media":251278,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[101],"tags":[],"class_list":["post-225472","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cemiyyet"],"_links":{"self":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/225472","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=225472"}],"version-history":[{"count":0,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/225472\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/media\/251278"}],"wp:attachment":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=225472"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=225472"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=225472"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}