{"id":230488,"date":"2025-09-15T12:11:38","date_gmt":"2025-09-15T08:11:38","guid":{"rendered":""},"modified":"-0001-11-30T00:00:00","modified_gmt":"-0001-11-29T20:00:00","slug":"","status":"publish","type":"post","link":"https:\/\/ucnoqta.az\/?p=230488","title":{"rendered":"Az\u0259rbaycanda pensiya sistemi d\u0259yi\u015fir –\u00a0"},"content":{"rendered":"

Az\u0259rbaycanda pensiya sistemi il\u0259 ba\u011fl\u0131 yeni qanun layih\u0259si haz\u0131rlan\u0131r. S\u0259n\u0259d ölk\u0259d\u0259 öz\u0259l pensiya fondlar\u0131n\u0131n yarad\u0131lmas\u0131n\u0131 n\u0259z\u0259rd\u0259 tutur. Bildirilir ki, bununla v\u0259t\u0259nda\u015flara dövl\u0259t pensiyas\u0131ndan \u0259lav\u0259 öz\u0259l fondlardan da t\u0259qaüd almaq imkan\u0131 veril\u0259c\u0259k. Y\u0259ni bu, mövcud dövl\u0259t sistemi il\u0259 r\u0259qab\u0259t deyil, \u0259lav\u0259 seçimdir.<\/strong><\/p>\n

Öz\u0259l pensiya fondlar\u0131 v\u0259t\u0259nda\u015flar\u0131n y\u0131\u011f\u0131m v\u0259rdi\u015fl\u0259rinin formala\u015fmas\u0131na stimul ver\u0259 bil\u0259rmi? Bu, pensiya sisteminin dayan\u0131ql\u0131l\u0131\u011f\u0131na v\u0259 uzunmüdd\u0259tli maliyy\u0259 sabitliyin\u0259 nec\u0259 t\u0259sir göst\u0259r\u0259c\u0259k?<\/p>\n

Ucnoqta.az Globalinfo.az-a istinad\u0259n x\u0259b\u0259r verir ki, Liberal \u0130qtisadç\u0131lar M\u0259rk\u0259zinin s\u0259dri Akif N\u0259sirlinin sözl\u0259rin\u0259 gör\u0259, Az\u0259rbaycanda öz\u0259l pensiya fondlar\u0131 haqq\u0131nda qanun layih\u0259sinin haz\u0131rlanmas\u0131 \u0259h\u0259miyy\u0259tli bir islahat say\u0131l\u0131r v\u0259 pensiya sisteminin g\u0259l\u0259c\u0259kd\u0259 nec\u0259 formala\u015faca\u011f\u0131na ciddi t\u0259sir ed\u0259 bil\u0259r:<\/p>\n

“Az\u0259rbaycanda pensiyalar \u0259sas\u0259n dövl\u0259t sosial s\u0131\u011forta sistemin\u0259, y\u0259ni “pay-as-you-go” (PAYG) modelin\u0259 \u0259saslan\u0131r. Bu modeld\u0259 i\u015fl\u0259y\u0259nl\u0259rin öd\u0259diyi v\u0259saitl\u0259r haz\u0131rda pensiya alanlara yön\u0259ldilir. \u018fhali ya\u015flananda v\u0259 i\u015fçi-pensiyaç\u0131 nisb\u0259ti azald\u0131qca bu sistemd\u0259 maliyy\u0259 t\u0259zyiqi art\u0131r.<\/p>\n

Öz\u0259l fondlar\u0131n \u0259lav\u0259 edilm\u0259si f\u0259rdi y\u0131\u011f\u0131m mexanizminin t\u0259tbiqi dövl\u0259t üz\u0259rind\u0259 yükü azald\u0131r v\u0259 pensiya t\u0259minat\u0131n\u0131n yaln\u0131z büdc\u0259d\u0259n as\u0131l\u0131 olmamas\u0131na imkan yarad\u0131r.<\/p>\n

Öz\u0259l fondlarda toplanan v\u0259saitl\u0259r maliyy\u0259 bazarlar\u0131na yönl\u0259ndiril\u0259c\u0259k, bu da h\u0259m kapital bazar\u0131n\u0131n d\u0259rinl\u0259\u015fm\u0259sin\u0259, h\u0259m d\u0259 pensiya öd\u0259ni\u015fl\u0259rinin daha sabit v\u0259 \u015fax\u0259l\u0259nmi\u015f m\u0259nb\u0259l\u0259rd\u0259n t\u0259min olunmas\u0131na g\u0259tirib ç\u0131xara bil\u0259r.<\/p>\n

Pensiya fondlar\u0131n\u0131n toplad\u0131\u011f\u0131 v\u0259saitl\u0259r s\u0259hm, istiqraz, da\u015f\u0131nmaz \u0259mlak fondlar\u0131 v\u0259 dig\u0259r maliyy\u0259 al\u0259tl\u0259rin\u0259 yat\u0131r\u0131ld\u0131qda ölk\u0259d\u0259 uzunmüdd\u0259tli maliyy\u0259 resurslar\u0131n\u0131n h\u0259cmi art\u0131r. Az\u0259rbaycanda qiym\u0259tli ka\u011f\u0131zlar bazar\u0131 h\u0259l\u0259 tam inki\u015faf etm\u0259yib. Öz\u0259l pensiya fondlar\u0131n\u0131n f\u0259aliyy\u0259ti bu bazar\u0131 stimulla\u015fd\u0131raraq daha çox \u015firk\u0259tin birjada listinq olunmas\u0131na s\u0259b\u0259b ola bil\u0259r”.<\/p>\n

\u0130qtisadç\u0131 qeyd edib ki, fondlar düzgün t\u0259nziml\u0259n\u0259rs\u0259 maliyy\u0259 sistemin\u0259 \u0259lav\u0259 “yast\u0131q” yarad\u0131l\u0131r v\u0259 böhran dövrl\u0259rind\u0259 dövl\u0259tin yükü azal\u0131r:<\/p>\n

“Vergi güz\u0259\u015ftl\u0259ri v\u0259 ya dövl\u0259tin mü\u0259yy\u0259n bir hiss\u0259 il\u0259 y\u0131\u011f\u0131mlara qo\u015fulmas\u0131 v\u0259t\u0259nda\u015flar\u0131 aktiv i\u015ftirak etm\u0259y\u0259 t\u0259\u015fviq ed\u0259 bil\u0259r. Haz\u0131rda insanlar\u0131n \u0259ks\u0259riyy\u0259ti g\u0259liri q\u0131sa müdd\u0259tli istehlaka yön\u0259ldir. Öz\u0259l pensiya fondlar\u0131 is\u0259 uzunmüdd\u0259tli maliyy\u0259 planla\u015fd\u0131rma v\u0259 q\u0259na\u0259t v\u0259rdi\u015fini gücl\u0259ndir\u0259 bil\u0259r.<\/p>\n

V\u0259t\u0259nda\u015flar\u0131n fondlara etimad\u0131 \u0259n kritik faktordur. \u015e\u0259ffafl\u0131q, dövl\u0259t n\u0259zar\u0259ti, beyn\u0259lxalq audit v\u0259 riskl\u0259rin s\u0131\u011fortalanmas\u0131 bu etimad\u0131 art\u0131rmal\u0131d\u0131r. Proses riskl\u0259rd\u0259n d\u0259 xali deyil. M\u0259s\u0259l\u0259n, fondlar\u0131n s\u0259hv investisiya q\u0259rarlar\u0131 v\u0259t\u0259nda\u015flar\u0131n y\u0131\u011f\u0131m\u0131n\u0131 t\u0259hlük\u0259y\u0259 ata bil\u0259r. V\u0259saitl\u0259rin uzunmüdd\u0259tli al\u0259tl\u0259rd\u0259 dondurulmas\u0131 t\u0259cili ehtiyac zaman\u0131 ç\u0131x\u0131\u015f imkanlar\u0131n\u0131 da m\u0259hdudla\u015fd\u0131ra bil\u0259r”.<\/p>\n

Ekspert \u0259lav\u0259 edib ki, ilk m\u0259rh\u0259l\u0259d\u0259 v\u0259t\u0259nda\u015flar\u0131n fondlara qo\u015fulmaqda t\u0259r\u0259ddüdü mümkündür:<\/p>\n

“Ümumiyy\u0259tl\u0259, öz\u0259l pensiya fondlar\u0131n\u0131n yarad\u0131lmas\u0131 Az\u0259rbaycanda pensiya sisteminin uzunmüdd\u0259tli dayan\u0131ql\u0131l\u0131\u011f\u0131n\u0131 gücl\u0259ndir\u0259, dövl\u0259tin sosial yükünü azalda v\u0259 kapital bazar\u0131n\u0131n inki\u015faf\u0131na t\u0259kan ver\u0259 bil\u0259r. Bununla yana\u015f\u0131, bu fondlar v\u0259t\u0259nda\u015flar\u0131n y\u0131\u011f\u0131m v\u0259 maliyy\u0259 savadl\u0131l\u0131\u011f\u0131 m\u0259d\u0259niyy\u0259tinin formala\u015fmas\u0131nda \u0259sas stimul rolunu oynaya bil\u0259r. Amma u\u011furun açar\u0131 güclü qanuni baza, dövl\u0259t n\u0259zar\u0259ti v\u0259 \u015f\u0259ffaf idar\u0259çilik olacaq”.<\/p>\n","protected":false},"excerpt":{"rendered":"

Az\u0259rbaycanda pensiya sistemi il\u0259 ba\u011fl\u0131 yeni qanun layih\u0259si haz\u0131rlan\u0131r. S\u0259n\u0259d ölk\u0259d\u0259 öz\u0259l pensiya fondlar\u0131n\u0131n yarad\u0131lmas\u0131n\u0131 n\u0259z\u0259rd\u0259 tutur. Bildirilir ki, bununla v\u0259t\u0259nda\u015flara dövl\u0259t pensiyas\u0131ndan \u0259lav\u0259 öz\u0259l fondlardan da t\u0259qaüd almaq imkan\u0131…<\/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-230488","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\/230488","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=230488"}],"version-history":[{"count":0,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/230488\/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=230488"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=230488"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=230488"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}