{"id":206885,"date":"2021-06-23T17:06:00","date_gmt":"2021-06-23T17:06:00","guid":{"rendered":"https:\/\/www.meydan.tv\/article\/huquqsunas-telebe-kreditleri-gencleri-dovletden-asili-hala-salacaq\/"},"modified":"2021-06-23T17:06:00","modified_gmt":"2021-06-23T17:06:00","slug":"huquqsunas-telebe-kreditleri-gencleri-dovletden-asili-hala-salacaq","status":"publish","type":"post","link":"https:\/\/www.meydan.tv\/az\/article\/huquqsunas-telebe-kreditleri-gencleri-dovletden-asili-hala-salacaq\/","title":{"rendered":"H\u00fcquq\u015f\u00fcnas: T\u0259l\u0259b\u0259 kreditl\u0259ri g\u0259ncl\u0259ri d\u00f6vl\u0259td\u0259n as\u0131l\u0131 hala salacaq"},"content":{"rendered":"

\n
\n \u201cAmerikada t\u0259hsil kreditin\u0259 daha \u00e7ox \u00f6z\u0259l sah\u0259d\u0259 yat\u0131r\u0131m olunur\u201d
\n <\/i>\n<\/p>\n

\n \u201cPullar\u0131n hans\u0131 t\u0259l\u0259b\u0259l\u0259r\u0259 ayr\u0131lmas\u0131 m\u0259s\u0259sl\u0259sind\u0259 \u0259dal\u0259tsizlik var. T\u0259l\u0259b\u0259 krediti yax\u015f\u0131 oxuyana yox, ehtiyac\u0131 olana verilm\u0259lidir\u201d.\n<\/p>\n

\n ReAl Partiyas\u0131n\u0131n \u00fczv\u00fc Zaur Qurbanl\u0131 hesab edir ki, bir m\u00fcdd\u0259t \u00f6nc\u0259 T\u0259hsil Nazirliyinin tabeliyind\u0259 yarad\u0131lan T\u0259hsil T\u0259l\u0259b\u0259 Krediti Fondunun f\u0259aliyy\u0259t kriteriyalar\u0131nda t\u0259zadl\u0131 n\u00fcanslar var.\n<\/p>\n

\n O, Meydan TV-y\u0259 a\u00e7\u0131qlamas\u0131nda deyir ki, t\u0259l\u0259b\u0259 krediti d\u00fcnyada yay\u0131lm\u0131\u015f t\u0259cr\u00fcb\u0259dir v\u0259 yax\u015f\u0131, eyni zamanda pis t\u0259r\u0259fl\u0259ri d\u0259 var: \u201c\u018fsas faydas\u0131 budur ki, getdikc\u0259 bahala\u015fan universitet x\u0259rcl\u0259rini \u00f6d\u0259m\u0259diyin\u0259 g\u00f6r\u0259 t\u0259hsild\u0259n k\u0259narda qalmaq t\u0259hl\u00fck\u0259si olan milyonlarla insan t\u0259min olunur. D\u00fcnya t\u0259cr\u00fcb\u0259sind\u0259 kreditl\u0259ri daha \u00e7ox \u00f6z\u0259l \u015firk\u0259tl\u0259r verir. H\u0259m\u00e7inin \u00f6d\u0259ni\u015fi vaxt\u0131nda qaytaran t\u0259l\u0259b\u0259l\u0259rin kredit tarix\u00e7\u0259si m\u00fcsb\u0259t yaz\u0131l\u0131r. Orada kredit tarix\u00e7\u0259si \u00e7ox \u00f6n\u0259mli g\u00f6st\u0259ricidir. Bununla yana\u015f\u0131, t\u0259l\u0259b\u0259 kreditl\u0259rinin m\u0259nfi t\u0259r\u0259fl\u0259ri d\u0259 var. X\u00fcsus\u0259n d\u0259, Amerikada t\u0259l\u0259b\u0259l\u0259r bundan n\u0259inki faydalanmaq, \u0259skin\u0259, kreditl\u0259ri qaytarmaqda \u00e7ox \u0259ziyy\u0259t \u00e7\u0259kirl\u0259r. Universitetl\u0259rin \u00f6d\u0259ni\u015fi, t\u0259l\u0259b\u0259nin g\u0259liri il\u0259 m\u00fcqayis\u0259d\u0259 fantastik d\u0259r\u0259c\u0259d\u0259 baha olur. Kredit h\u0259m d\u0259 t\u0259l\u0259b\u0259nin t\u0259hsili il\u0259 yana\u015f\u0131, dig\u0259r x\u0259rcl\u0259rini d\u0259 \u0259hat\u0259 edir. Amerikada t\u0259hsil kreditl\u0259ri borclar\u0131n\u0131n h\u0259cmi 1,5 trilyon dollar\u0131 ke\u00e7ib. T\u0259l\u0259b\u0259l\u0259r a\u011f\u0131r borcla y\u00fckl\u0259nirl\u0259r, t\u0259hsil kreditinin qaytar\u0131lmas\u0131 \u00fc\u00e7\u00fcn i\u015fl\u0259m\u0259li olurlar. Normal h\u0259yata a\u011f\u0131r borcla ba\u015flay\u0131rlar. Y\u0259ni ikili m\u00fcnasib\u0259tl\u0259r var, t\u0259l\u0259b\u0259 tam iflas v\u0259ziyy\u0259tind\u0259 olsa da, t\u0259l\u0259b\u0259 krediti ba\u011f\u0131\u015flanm\u0131r, d\u00f6vl\u0259t buna g\u00f6r\u0259 he\u00e7 n\u0259 etmir. T\u0259l\u0259b\u0259l\u0259r \u00e7ox \u0259ziyy\u0259t \u00e7\u0259kirl\u0259r. Az\u0259rbaycanda yarad\u0131lan T\u0259hsil T\u0259l\u0259b\u0259 Krediti Fonduna g\u0259linc\u0259, insanlar d\u00f6vl\u0259td\u0259n as\u0131l\u0131 v\u0259ziyy\u0259t\u0259 d\u00fc\u015f\u0259c\u0259kl\u0259r. M\u0259n insanlar\u0131n, x\u00fcsusil\u0259 d\u0259 g\u0259ncl\u0259rin bizim d\u00f6vl\u0259td\u0259n as\u0131l\u0131 v\u0259ziyy\u0259t\u0259 d\u00fc\u015fm\u0259sini he\u00e7 arzulam\u0131ram. Amerikada t\u0259hsil kreditin\u0259 daha \u00e7ox \u00f6z\u0259l sah\u0259d\u0259 yat\u0131r\u0131m olunur\u201d.\n<\/p>\n

\n Zaur Qurbanl\u0131n\u0131n fikrinc\u0259, t\u0259l\u0259b\u0259l\u0259r\u0259 y\u00fcks\u0259k bal g\u00f6st\u0259ricil\u0259rin\u0259 g\u00f6r\u0259 kreditl\u0259rin verilm\u0259si yanl\u0131\u015fd\u0131r: \u201cH\u0259r insan 650-700 bal toplamal\u0131 deyil. Kims\u0259 400 bal y\u0131\u011f\u0131rsa, t\u0259hsil h\u00fcququndan m\u0259hrum olmamal\u0131d\u0131r. Bunun \u00fc\u00e7\u00fcn \u00f6lk\u0259d\u0259 \u015f\u0259ffaf d\u00f6vriyy\u0259 olmal\u0131d\u0131r. Bilinm\u0259lidir ki, h\u0259r ail\u0259nin, h\u0259r k\u0259sin n\u0259 q\u0259d\u0259r pulu, g\u0259liri var. K\u00f6lg\u0259 iqtisadiyyat\u0131 olmamal\u0131d\u0131r. \u015e\u0259ffaf olsa, d\u00f6vl\u0259t bil\u0259c\u0259k ki, kim\u0259 pul verm\u0259k laz\u0131md\u0131r. M\u0259s\u0259l \u00fc\u00e7\u00fcn, biri t\u0259l\u0259b\u0259dir, amma g\u0259nc ya\u015fda biznesl\u0259 m\u0259\u015f\u011fuldur. Tutaq ki, milyonlarla pulu var, h\u0259m d\u0259 yax\u015f\u0131 oxuyur. D\u00fczd\u00fcr, bel\u0259l\u0259ri azd\u0131r, amma ist\u0259nil\u0259n halda, bel\u0259 insanlar\u0131n d\u00f6vl\u0259t hesab\u0131na t\u0259min olunmas\u0131 \u00e7ox m\u0259ntiqsizdir. Az\u0259rbaycanda c\u0259mi 50 bal a\u015fa\u011f\u0131 toplayan, amma kifay\u0259t q\u0259d\u0259r biliyi olan insanlara pul verilm\u0259yib. \u00d6d\u0259ni\u015fli \u0259saslara y\u00f6n\u0259ldilib. Bu, b\u00f6y\u00fck \u0259dal\u0259tsizlikdir v\u0259 30 ildir ki, davam edir. Ona g\u00f6r\u0259 d\u0259 hesab edir\u0259m ki, bu i\u015fi d\u00f6vl\u0259tin g\u00f6rm\u0259si \u00e7ox m\u0259nfi hald\u0131r. D\u00fczd\u00fcr, Fond qeyri-kommersiya h\u00fcquqi \u015f\u0259xsi kimi yarad\u0131l\u0131b. Amma idar\u0259\u00e7ilik tamamil\u0259 d\u00f6vl\u0259td\u0259dir. Prezident nizamnam\u0259ni t\u0259sdiql\u0259m\u0259lidir, T\u0259hsil Nazirliyi v\u0259 Nazirl\u0259r Kabineti m\u0259s\u0259l\u0259l\u0259ri h\u0259ll etm\u0259lidir. T\u0259\u0259ss\u00fcf ki, Az\u0259rbaycanda v\u0259t\u0259nda\u015f c\u0259miyy\u0259ti yox d\u0259r\u0259c\u0259sind\u0259dir. D\u00f6vl\u0259t onu m\u0259hv edib. Fond g\u00fccl\u00fc v\u0259t\u0259nda\u015f c\u0259miyy\u0259tin\u0259 h\u0259val\u0259 edils\u0259ydi, xeyli faydal\u0131 olard\u0131. \u00dcmumiyy\u0259tl\u0259, D\u00f6vl\u0259tin h\u0259r hans\u0131 bel\u0259 bir t\u0259\u015fkilatlanm\u0131\u015f i\u015fl\u0259rd\u0259 faydal\u0131 i\u015f g\u00f6rd\u00fcy\u00fcn\u00fc g\u00f6rm\u0259mi\u015f\u0259m. Bundan sonra da m\u00fcsb\u0259t n\u0259s\u0259 olaca\u011f\u0131na inanm\u0131ram. \u018fksin\u0259, sui-istifad\u0259l\u0259r, yeyintil\u0259r g\u00f6zl\u0259yir\u0259m\u201d.\n<\/p>\n

\n \"\u0417\u0430\u0443\u0440
\n Zaur Qurbanl\u0131
\n <\/figcaption><\/figure>\n

\n Praqada Karlov Universitetinin doktorant\u0131, t\u0259hlil\u00e7i N\u0259cmin Kamilsoy fondun yarad\u0131lmas\u0131n\u0131 gecikmi\u015f add\u0131m hesab edir.\n<\/p>\n

\n Onun fikrinc\u0259, dig\u0259r vacib m\u0259qam bel\u0259 bir \u0259h\u0259miyy\u0259tli q\u0259rar\u0131n he\u00e7 bir ciddi ictimai m\u00fczakir\u0259 ke\u00e7irilm\u0259d\u0259n q\u0259bul olunmas\u0131d\u0131r: \u201cProsesd\u0259 x\u00fcsusil\u0259 aktiv t\u0259l\u0259b\u0259l\u0259rin i\u015ftirak\u0131 t\u0259min edilm\u0259li idi. Bu bax\u0131mdan yarad\u0131lan fondun f\u0259aliyy\u0259tinin parametrl\u0259ri il\u0259 ba\u011fl\u0131 \u015f\u00fcbh\u0259l\u0259r v\u0259 ya m\u00fc\u0259yy\u0259n suallar yarad\u0131r. \u00dcmumiyy\u0259tl\u0259, hesab edir\u0259m ki, Az\u0259rbaycanda t\u0259l\u0259b\u0259 kreditini t\u0259kc\u0259 d\u00f6vl\u0259t deyil, m\u00fcxt\u0259lif banklar, \u00f6z\u0259l fondlar, \u015firk\u0259tl\u0259r verm\u0259lidir. D\u00fczd\u00fcr, bunu m\u00fc\u0259yy\u0259n q\u0259d\u0259r ed\u0259n bank v\u0259 fondlar var. Lakin onlar\u0131n ya faizl\u0259ri h\u0259ddind\u0259n art\u0131q y\u00fcks\u0259kdir, ya da kredit borcunun \u00f6d\u0259nilm\u0259si \u00fc\u00e7\u00fcn veril\u0259n vaxt \u00e7ox azd\u0131r. Az\u0259rbaycanda t\u0259hsilin keyfiyy\u0259tsizliyini n\u0259z\u0259r\u0259 alsaq, d\u00fc\u015f\u00fcn\u00fcr\u0259m ki, d\u00f6vl\u0259t universitetl\u0259rind\u0259 \u00f6z dilimizd\u0259 t\u0259hsil pulsuz olmal\u0131d\u0131r.T\u0259l\u0259b\u0259 kreditl\u0259ri ya d\u00f6vl\u0259t universitetl\u0259rind\u0259 xarici dild\u0259 olan proqramlar\u0131n \u00f6d\u0259ni\u015fl\u0259rini, ya da \u00f6z\u0259l universitetl\u0259rin illik \u00f6d\u0259ni\u015fl\u0259rini \u0259hat\u0259 etm\u0259lidir. H\u0259m\u00e7inin bu fond xaricd\u0259 t\u0259hsil alan Az\u0259rbaycan v\u0259t\u0259nda\u015flar\u0131n\u0131 da \u0259hat\u0259 etm\u0259lidir\u201d.\n<\/p>\n

\n \u201cKreditl\u0259r y\u00fcks\u0259k bal\u0131 olan t\u0259l\u0259b\u0259l\u0259r\u0259 \u015famil olunmas\u0131 do\u011fru say\u0131la bilm\u0259z. Y\u00fcks\u0259k g\u00f6st\u0259ricil\u0259rl\u0259 t\u0259hsil alan t\u0259l\u0259b\u0259l\u0259r\u0259 d\u00f6vl\u0259t d\u0259st\u0259yi birm\u0259nal\u0131 olmal\u0131d\u0131r\u201d, – t\u0259hlil\u00e7i \u0259lav\u0259 edir: \u201cD\u00f6vl\u0259t bel\u0259 t\u0259l\u0259b\u0259l\u0259r\u0259 kredit deyil, t\u0259qa\u00fcd v\u0259 qrant formas\u0131nda d\u0259st\u0259k ver\u0259 bil\u0259r ki, t\u0259hsill\u0259rini davam etdirsinl\u0259r. T\u0259l\u0259b\u0259 kreditl\u0259ri is\u0259 daha \u00e7ox sosial statusu a\u015fa\u011f\u0131 insanlar\u0131 \u0259hat\u0259 etm\u0259lidir. Az\u0259rbaycanda fond v\u0259 d\u00f6vl\u0259t qurumlar\u0131nda v\u0259t\u0259nda\u015flar\u0131n sosial durumlar\u0131n\u0131n \u00f6yr\u0259nilm\u0259si olduqca problemlidir. \u0130nsanlara b\u00fcrokratik \u0259ng\u0259ll\u0259r yarad\u0131l\u0131r. \u00dcmid edir\u0259m ki, t\u0259l\u0259b\u0259l\u0259r yarad\u0131lan yeni fondda b\u00fcrokratik, yorucu prosesd\u0259n ke\u00e7m\u0259k m\u0259cburiyy\u0259tind\u0259 qalmayacaqlar\u201d.\n<\/p>\n

\n \"N\u0259cmin
\n N\u0259cmin Kamilsoy
\n <\/figcaption><\/figure>\n

\n \u201cKredit 2 faizl\u0259 veril\u0259c\u0259ks\u0259, normald\u0131r. D\u00f6vl\u0259tin t\u0259l\u0259b\u0259nin oxumas\u0131na olan maliyy\u0259 yard\u0131m\u0131, h\u0259qiq\u0259t\u0259n, alq\u0131\u015flamaq laz\u0131md\u0131r. Amma hesab edir\u0259m ki, bu i\u015fl\u0259 t\u0259k d\u00f6vl\u0259t m\u0259\u015f\u011ful olmal\u0131 deyil. D\u00f6vl\u0259t imkan verm\u0259lidir ki, biznes adamlar\u0131, qurumlar, fondlar t\u0259l\u0259b\u0259l\u0259rin maliyy\u0259 x\u0259rcl\u0259rini \u00f6d\u0259sinl\u0259r v\u0259 g\u0259l\u0259c\u0259kd\u0259 biliyind\u0259n, qabiliyy\u0259tind\u0259n kadr kimi yararlans\u0131nlar\u201d, – T\u0259hsil eksperti Nabat\u0259li Qulamo\u011flu bel\u0259 deyir.\n<\/p>\n

\n \"Nabat\u0259li
\n Nabat\u0259li Qulamo\u011flu
\n <\/figcaption><\/figure>\n

\n T\u0259hsil eksperti Kamran \u018fs\u0259dov bildirir ki, fondun yarad\u0131lmas\u0131n\u0131 t\u0259hsilin inki\u015faf\u0131 istiqam\u0259tind\u0259 m\u00fcsb\u0259t add\u0131m olacaq:\n<\/p>\n

\n \u201cAz\u0259rbaycanda 51 ali t\u0259hsil m\u00fc\u0259ssis\u0259sind\u0259 182 min t\u0259l\u0259b\u0259 t\u0259hsil al\u0131r. Onlar\u0131n 110 mini \u00f6d\u0259ni\u015fli \u0259saslarla oxuyur. Haz\u0131rda ali t\u0259hsil m\u00fc\u0259ssis\u0259l\u0259rinin q\u0259bul plan yerinin 50 faizi \u00f6d\u0259ni\u015fli, 50-si is\u0259 \u00f6d\u0259ni\u015fsizdir. 2005-2010-cu ill\u0259rd\u0259 be\u015f mind\u0259n \u00e7ox \u015f\u0259xs t\u0259hsilhaqq\u0131n\u0131 \u00f6d\u0259y\u0259 bilm\u0259diyin\u0259 g\u00f6r\u0259 t\u0259hsilini yar\u0131m\u00e7lq qoyub. Bu da Az\u0259rbaycanda ali t\u0259hslin \u0259l\u00e7atanl\u0131\u011f\u0131na m\u0259nfi t\u0259sir g\u00f6st\u0259rir. Haz\u0131rda \u00f6lk\u0259 \u0259halisinin yaln\u0131z 17 faizi ali t\u0259hsillidir. Biz\u0259 \u0259m\u0259k bazar\u0131nda davaml\u0131, iqtisadiyyat\u0131n formala\u015fmas\u0131 \u00fc\u00e7\u00fcn m\u00fctl\u0259q \u015f\u0259kild\u0259 ali t\u0259hsilli insanlar laz\u0131md\u0131r. Yarad\u0131lan fond ail\u0259sinin g\u0259lirl\u0259rin\u0259 g\u00f6r\u0259 t\u0259hsil almaqdan m\u0259hrum olan \u015f\u0259xsl\u0259r\u0259 t\u0259hsilin \u0259l\u00e7atanl\u0131\u011f\u0131n\u0131 t\u0259min ed\u0259c\u0259k. Kreditl\u0259rin y\u00fcks\u0259k bal toplayanlara verilm\u0259si, \u0259m\u0259k bazar\u0131nda ali t\u0259hsilli insanlar\u0131n say\u0131n\u0131 \u00e7oxaltmaqla yana\u015f\u0131, t\u0259l\u0259b\u0259l\u0259r aras\u0131nda daha yax\u015f\u0131 r\u0259qab\u0259t m\u00fchiti yaradacaq\u201d.\n<\/p>\n

\n \"Kamran
\n Kamran \u018fs\u0259dov
\n <\/figcaption><\/figure>\n

\n \u0130yunun 17-d\u0259 Prezident \u0130lham \u018fliyev f\u0259rman\u0131 il\u0259 T\u0259hsil Nazirliyinin tabeliyind\u0259 T\u0259hsil T\u0259l\u0259b\u0259 Krediti Fondu yarad\u0131l\u0131b.\n<\/p>\n

\n \u018fsas m\u0259qs\u0259d ali t\u0259hsild\u0259 \u0259l\u00e7atanl\u0131\u011f\u0131n t\u0259min edilm\u0259si, t\u0259hsild\u0259 b\u0259rab\u0259r imkanlar\u0131n
\n
\n yarad\u0131lmas\u0131d\u0131r
\n <\/a>
\n .\n<\/p>\n

\n T\u0259hsil naziri Emin \u018fmrullayevin s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, T\u0259hsil T\u0259l\u0259b\u0259 Krediti Fondu n\u00f6vb\u0259ti t\u0259dris ilind\u0259n t\u0259l\u0259b\u0259nin maliyy\u0259l\u0259\u015fm\u0259sini h\u0259yata ke\u00e7ir\u0259c\u0259k.\n<\/p>\n

\n Kreditl\u0259r 2 faiz olacaq. Y\u00fcks\u0259k bal toplayan t\u0259l\u0259bl\u0259rin kreditl\u0259ri t\u0259hsil alacaqlar\u0131 universitetl\u0259r\u0259 k\u00f6\u00e7\u00fcr\u00fcl\u0259c\u0259k.\n<\/p>\n

\n Kreditl\u0259r yaln\u0131z \u00f6lk\u0259 daxilind\u0259ki ali v\u0259 orta ixtisas m\u00fc\u0259ssis\u0259l\u0259rinin t\u0259l\u0259b\u0259l\u0259rin\u0259 \u015famil edil\u0259c\u0259k.<\/p>\n","protected":false},"excerpt":{"rendered":"

“Haz\u0131rda ali t\u0259hsil m\u00fc\u0259ssis\u0259l\u0259rinin q\u0259bul plan yerinin 50 faizi \u00f6d\u0259ni\u015fli, 50-si is\u0259 \u00f6d\u0259ni\u015fsizdir. 2005-2010-cu ill\u0259rd\u0259 be\u015f mind\u0259n \u00e7ox \u015f\u0259xs t\u0259hsilhaqq\u0131n\u0131 \u00f6d\u0259y\u0259 bilm\u0259diyin\u0259 g\u00f6r\u0259 t\u0259hsilini yar\u0131m\u00e7lq qoyub”.<\/p>\n","protected":false},"author":11,"featured_media":162645,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","footnotes":""},"categories":[62],"tags":[],"class_list":["post-206885","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sosial","infinite-scroll-item","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-33","no-featured-image-padding"],"acf":[],"yoast_head":"\nH\u00fcquq\u015f\u00fcnas: T\u0259l\u0259b\u0259 kreditl\u0259ri g\u0259ncl\u0259ri d\u00f6vl\u0259td\u0259n as\u0131l\u0131 hala salacaq - 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