{"id":317537,"date":"2024-10-11T16:58:08","date_gmt":"2024-10-11T12:58:08","guid":{"rendered":"https:\/\/www.meydan.tv\/?p=317537"},"modified":"2024-10-11T17:53:45","modified_gmt":"2024-10-11T13:53:45","slug":"azerbaycanda-insanlarin-geleceklerini-sigortalama-imkanlari","status":"publish","type":"post","link":"https:\/\/www.meydan.tv\/az\/article\/azerbaycanda-insanlarin-geleceklerini-sigortalama-imkanlari\/","title":{"rendered":"Az\u0259rbaycanda insanlar\u0131n g\u0259l\u0259c\u0259kl\u0259rini s\u0131\u011fortalama imkanlar\u0131"},"content":{"rendered":"\n

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H\u0259yat s\u0131\u011fortas\u0131 pensiya kapital\u0131ndan m\u0259hrum edir?<\/em><\/strong><\/p>\n\n\n\n

\u0130nsanlar\u0131n h\u0259yat s\u0259viyy\u0259si onlar\u0131n ya\u015fad\u0131qlar\u0131 \u00f6lk\u0259nin sosial m\u00fcdafi\u0259 sistemind\u0259n \u00e7ox as\u0131l\u0131d\u0131r. Sosial m\u00fcavin\u0259t, pensiya v\u0259 s\u0131\u011forta sisteminin dinamik v\u0259 \u0259l\u00e7atan qurulmas\u0131, habel\u0259 v\u0259t\u0259nda\u015f\u0131n \u00f6z\u00fc \u00fc\u00e7\u00fcn sosial y\u0131\u011f\u0131m t\u0259min ed\u0259 bilm\u0259si onun h\u0259yat keyfiyy\u0259tin\u0259 birba\u015fa t\u0259sir g\u00f6st\u0259rir. Burada onlara h\u0259m d\u00f6vl\u0259t, h\u0259m d\u0259 \u00f6z\u0259l sektor b\u00f6y\u00fck imkanlar yaratmal\u0131d\u0131r.

Az\u0259rbaycanda v\u0259t\u0259nda\u015flar \u00f6zl\u0259rinin sosial y\u0131\u011f\u0131mlar\u0131n\u0131 nec\u0259 t\u0259min ed\u0259 bilirl\u0259r?<\/strong><\/p>\n\n\n\n

Az\u0259rbaycanda insanlar\u0131n \u00f6zl\u0259ri \u00fc\u00e7\u00fcn sosial y\u0131\u011f\u0131mlar\u0131, \u0259sas\u0259n d\u00f6vl\u0259t sektoruna ba\u011fl\u0131d\u0131r. \u018fm\u0259khaqlar\u0131ndan tutulan m\u0259cburi sosial s\u0131\u011forta \u00f6d\u0259ni\u015fi, birm\u0259nal\u0131 olaraq, d\u00f6vl\u0259t fondu t\u0259r\u0259find\u0259n t\u0259nziml\u0259nir. Son g\u00fcnl\u0259r qeyri-d\u00f6vl\u0259t (\u00f6z\u0259l) pensiya fondunun yarad\u0131lmas\u0131 il\u0259 ba\u011fl\u0131 m\u0259s\u0259l\u0259 yenid\u0259n g\u00fcnd\u0259m\u0259 g\u0259lib. \u018fm\u0259k v\u0259 \u018fhalinin Sosial M\u00fcdafi\u0259si Nazirliyi a\u00e7\u0131qlama yay\u0131b ki, \u00f6z\u0259l pensiya fondlar\u0131n\u0131n yarad\u0131lmas\u0131 il\u0259 \u0259laq\u0259dar 20-d\u0259n \u00e7ox normativ h\u00fcquqi akt layih\u0259si haz\u0131rlan\u0131r.<\/p>\n\n\n

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\"\u018fm\u0259k
Foto: Meydan TV<\/figcaption><\/figure>\n<\/div>\n\n\n

\u201cAz\u0259rbaycan Respublikas\u0131n\u0131n 2022\u20132026-c\u0131 ill\u0259rd\u0259 sosial-iqtisadi inki\u015faf Strategiyas\u0131\u201dnda da \u00f6z\u0259l pensiya institutlar\u0131n\u0131n f\u0259aliyy\u0259ti \u00fc\u00e7\u00fcn h\u00fcquqi bazan\u0131n yarad\u0131lmas\u0131 g\u00f6st\u0259rilir. Bu, o dem\u0259kdir ki, bel\u0259 bir fondun 2027-ci ild\u0259n tez yarad\u0131lmas\u0131 h\u0259l\u0259 g\u00f6zl\u0259nilmir. Halbuki, Az\u0259rbaycanda \u00f6z\u0259l sosial fondlar\u0131n yarad\u0131lmas\u0131 il\u0259 ba\u011fl\u0131 qanunvercilik bazas\u0131n\u0131n haz\u0131rlanmas\u0131 \u00fc\u00e7\u00fcn bundan \u0259vv\u0259lki d\u00f6vrl\u0259rd\u0259 d\u0259 d\u00f6vl\u0259t proqramlar\u0131 haz\u0131rlan\u0131b, xarici t\u0259cr\u00fcb\u0259l\u0259r (tvinninq) \u00f6yr\u0259nilib. Bel\u0259 ki:<\/p>\n\n\n\n

– \u201c2009-2015-ci ill\u0259rd\u0259 Az\u0259rbaycanda s\u0131\u011forta-pensiya sisteminin inki\u015faf\u0131na dair D\u00f6vl\u0259t Proqram\u0131\u201dnda qeyri-d\u00f6vl\u0259t pensiya fondunun yarad\u0131lmas\u0131 qar\u015f\u0131ya qoyulan h\u0259d\u0259fl\u0259rd\u0259n biri idi. Proqrama g\u00f6r\u0259 art\u0131q 2016-ci ild\u0259n s\u00f6z\u00fcged\u0259n fond yarad\u0131lmal\u0131 idi.<\/em><\/p>\n\n\n\n

– \u201c2014-2020-ci ill\u0259rd\u0259 pensiya t\u0259minat\u0131 sisteminin islahat\u0131 Konsepsiyas\u0131\u201d t\u0259sdiq edilib v\u0259 bu s\u0259n\u0259dd\u0259 qar\u015f\u0131ya qoyulan m\u0259s\u0259l\u0259l\u0259rd\u0259n biri \u00f6z\u0259l pensiya fondlar\u0131n\u0131n yarad\u0131lmas\u0131n\u0131n h\u00fcquqi bazas\u0131n\u0131n formala\u015fd\u0131r\u0131lmas\u0131, x\u00fcsusil\u0259 \u201c\u00d6z\u0259l pensiya fondlar\u0131 haqq\u0131nda\u201d qanun layih\u0259sinin haz\u0131rlanmas\u0131 idi.<\/em><\/p>\n\n\n

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\"Pensiya\u00e7\u0131lar\"
Foto: arxiv<\/figcaption><\/figure>\n<\/div>\n\n\n

– H\u0259m\u00e7inin pensiya-s\u0131\u011forta sisteminin beyn\u0259lxalq t\u0259cr\u00fcb\u0259y\u0259 uy\u011fun t\u0259\u015fkili \u00fc\u00e7\u00fcn Avropa \u0130ttifaq\u0131n\u0131n maliyy\u0259si \u0259sas\u0131nda DSMF tvinninq layih\u0259l\u0259r icra edib. 2014-2015-ci ill\u0259rd\u0259 Avropa \u0130ttifaq\u0131n\u0131n maliyy\u0259si il\u0259 750 min avro d\u0259y\u0259rind\u0259 Almaniya h\u00f6kum\u0259ti il\u0259 DSMF aras\u0131nda tvinninq layih\u0259 h\u0259yata ke\u00e7irilib. Layih\u0259nin \u0259sas m\u0259qs\u0259di fonda qeyri-d\u00f6vl\u0259t pensiya fondlar\u0131n\u0131n yarad\u0131lmas\u0131 v\u0259 onlar\u0131n f\u0259aliyy\u0259tinin t\u0259nziml\u0259nm\u0259si \u00fc\u00e7\u00fcn h\u00fcquqi bazan\u0131n inki\u015faf\u0131na d\u0259st\u0259k verm\u0259k olub.<\/em><\/p>\n\n\n\n

G\u00f6r\u00fcnd\u00fcy\u00fc kimi, zamanla \u00f6z\u0259l pensiya fondunun yarad\u0131lmas\u0131 il\u0259 ba\u011fl\u0131 t\u0259\u015f\u0259bb\u00fcsl\u0259r olub, h\u0259tta bu istiqam\u0259td\u0259 h\u00fcquqi bazan\u0131n formala\u015fd\u0131r\u0131lmas\u0131 \u00fc\u00e7\u00fcn beyn\u0259lxalq t\u0259\u015fkilatlar t\u0259r\u0259find\u0259n maliyy\u0259 d\u0259st\u0259yi d\u0259 g\u00f6st\u0259rilib.<\/p>\n\n\n\n

B\u0259s fondun yarad\u0131lmas\u0131 n\u0259 \u00fc\u00e7\u00fcn l\u0259ngiyib?<\/strong><\/p>\n\n\n\n

\u0130qtisad\u00e7\u0131 To\u011frul V\u0259liyev\u0259 g\u00f6r\u0259, \u00f6z\u0259l pensiya fondunun yarad\u0131lmas\u0131 \u00fc\u00e7\u00fcn iri bir \u015firk\u0259t olmal\u0131d\u0131r:<\/p>\n\n\n\n

\u201c\u00c7\u00fcnki bel\u0259 bir fond bo\u015f yer\u0259 yarana bilm\u0259z. Bir \u00e7ox \u00f6lk\u0259d\u0259 ilkin olaraq hans\u0131sa iri \u015firk\u0259tl\u0259rin n\u0259zdind\u0259 pensiya fondlar\u0131 yarad\u0131blar. Onlar i\u015f\u00e7il\u0259ri d\u0259 daxil olmaqla, sosial siyas\u0259tl\u0259rini \u00f6zl\u0259ri t\u0259min etm\u0259y\u0259 \u00e7al\u0131\u015f\u0131b. Az\u0259rbaycanda iri \u015firk\u0259tl\u0259rin \u0259ks\u0259riyy\u0259ti d\u00f6vl\u0259t\u0259 ba\u011fl\u0131d\u0131r. D\u00f6vl\u0259tin is\u0259 \u00f6z\u00fc-\u00f6z\u00fcnd\u0259 yeni pensiya fondunun yaratmas\u0131n\u0131n m\u0259nas\u0131 yoxdur. M\u00f6vcud olan \u00f6z\u0259l \u015firk\u0259tl\u0259r kifay\u0259t q\u0259d\u0259r iri deyil. 250-300 i\u015f\u00e7isi olan bir m\u00fc\u0259ssis\u0259 \u00fc\u00e7\u00fcn hans\u0131sa pensiya fondunun yarad\u0131lmas\u0131 effektiv deyil. O, kifay\u0259t q\u0259d\u0259r pensiya toplaya bilm\u0259y\u0259c\u0259k v\u0259 D\u00f6vl\u0259t Sosial M\u00fcdafi\u0259 Fonduna pul \u00f6d\u0259m\u0259k daha s\u0259rf\u0259li olacaq\u201d<\/em>.<\/p>\n\n\n

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\"To\u011frul
Foto: To\u011frul V\u0259liyevin \u015f\u0259xsi arxivind\u0259n<\/figcaption><\/figure>\n<\/div>\n\n\n

Onun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, \u00f6z\u0259l sosial s\u0131\u011forta sisteminin yaranmas\u0131 \u00fc\u00e7\u00fcn \u00f6nc\u0259 investisiya m\u00fchiti, inki\u015faf etmi\u015f fond birjas\u0131 olmal\u0131d\u0131r: <\/p>\n\n\n\n

\u201c\u018fg\u0259r \u00f6lk\u0259d\u0259 m\u00fc\u0259yy\u0259n q\u0259d\u0259r investisiya imkanlar\u0131 olsayd\u0131, o zaman \u00f6z\u0259l t\u0259\u015f\u0259bb\u00fcsl\u0259r yaranacaqd\u0131 v\u0259 h\u0259min v\u0259saitl\u0259r harasa yat\u0131r\u0131lacaqd\u0131. \u018fld\u0259 olunan g\u0259lir hesab\u0131na pensiya kapital\u0131n\u0131 art\u0131ra bil\u0259c\u0259kdi. Bel\u0259 imkanlar olmad\u0131\u011f\u0131 halda \u00f6z\u0259l pensiya fondlar\u0131 nec\u0259 yarana bil\u0259r?\u201d.<\/em><\/p>\n\n\n\n

\u201cH\u00f6kum\u0259t son zamanlar \u00e7al\u0131\u015f\u0131r ki, insanlar \u00f6z g\u0259l\u0259c\u0259yini \u00f6zl\u0259ri m\u00fc\u0259yy\u0259n etsinl\u0259r. Bu, do\u011fru siyas\u0259t deyil. Az\u0259rbaycan kimi \u00f6lk\u0259l\u0259rd\u0259 sosial siyas\u0259t g\u00fccl\u00fc olmal\u0131d\u0131r. \u00c7\u00fcnki \u0259m\u0259khaqlar\u0131 \u00e7ox a\u015fa\u011f\u0131d\u0131r. \u0130ki ildir median \u0259m\u0259khaqq\u0131 d\u0259yi\u015fmir, 460 manat s\u0259viyy\u0259sind\u0259 qal\u0131r. Bel\u0259 bir \u015f\u0259raitd\u0259 \u00f6z\u0259l pensiya fondundan dan\u0131\u015fmaq \u00e7ox m\u0259nas\u0131zd\u0131r. Ona g\u00f6r\u0259 d\u0259, ba\u015fl\u0131ca olaraq h\u00f6kum\u0259t sosial siyas\u0259ti stimulla\u015fd\u0131rmal\u0131d\u0131r. \u00d6nc\u0259 insanlar \u00fc\u00e7\u00fcn daha rahat sosial sistem qurulmal\u0131d\u0131r ki, ondan sonra biz ba\u015fqa variantlar haqq\u0131nda dan\u0131\u015fa bil\u0259k\u201d<\/em>– dey\u0259 To\u011frul V\u0259liyev vur\u011fulay\u0131r.<\/p>\n\n\n\n

\u0130qtisad\u00e7\u0131 ekspert Xalid K\u0259rimli d\u0259 qeyd edir ki, \u00f6z\u0259l pensiya fondlar\u0131n\u0131n idar\u0259edilm\u0259si, resurslar\u0131n\u0131n nec\u0259 yerl\u0259\u015fdirilm\u0259si kimi m\u0259s\u0259l\u0259l\u0259rd\u0259 qeyri-\u0259minlik var:<\/p>\n\n\n\n

\u201cPensiya fondu kimi \u00e7\u0131x\u0131\u015f ed\u0259c\u0259k h\u00fcquqi \u015f\u0259xsl\u0259rin formala\u015fmas\u0131nda, y\u0259qin ki d\u00f6vl\u0259t tam olaraq \u0259minlik yarada bilmir. \u00c7\u00fcnki bu, uzunm\u00fcdd\u0259tli pensiya fondlar\u0131 olmal\u0131d\u0131r. Onun idar\u0259edilm\u0259si, resurslar\u0131n\u0131n n\u0259 c\u00fcr yerl\u0259\u015fdirilm\u0259si kimi institusional m\u0259s\u0259l\u0259l\u0259rin h\u0259lli asan m\u0259s\u0259l\u0259 deyil. Bu istiqam\u0259td\u0259 m\u00fczakir\u0259l\u0259r gedirs\u0259, h\u0259ll olunacaq\u201d.<\/em><\/p>\n\n\n

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Foto: hedgehog94\/shutterstock.com<\/figcaption><\/figure>\n<\/div>\n\n\n

\u0130qtisad\u00e7\u0131 hesab edir ki, v\u0259t\u0259nda\u015flar\u0131n \u00f6z\u00fcn\u00fcn d\u0259 sistem\u0259 etibar\u0131 \u00f6n\u0259mlidir:<\/p>\n\n\n\n

\u201c\u00c7\u00fcnki fondlar v\u0259 onlar\u0131n strukturu yarad\u0131lacaq, amma insanlar\u0131n bu instrument\u0259 etibar\u0131 olmayandan sonra riskl\u0259r yarana bil\u0259r. X\u0259rcl\u0259ri \u00f6d\u0259m\u0259k \u00fc\u00e7\u00fcn kifay\u0259t q\u0259d\u0259r resurs toplanmaya bil\u0259r. Bu bax\u0131mdan, qanunverciliyin haz\u0131rlanmas\u0131, pensiya fondlar\u0131n\u0131n formala\u015fd\u0131r\u0131lmas\u0131 asan bir proses deyil. H\u0259m d\u0259 t\u0259l\u0259sik bir m\u0259s\u0259l\u0259 olmad\u0131\u011f\u0131na g\u00f6r\u0259 ehtiyatla davran\u0131l\u0131r\u201d.<\/em><\/p>\n\n\n\n

\u0130nsanlar\u0131 g\u0259l\u0259c\u0259k pensiya kapital\u0131ndan m\u0259hrum ed\u0259n h\u0259yat s\u0131\u011fortas\u0131<\/strong><\/p>\n\n\n\n

\u00d6z\u0259l pensiya fondlar\u0131n\u0131n yaranmas\u0131 l\u0259ngidikc\u0259, s\u0131\u011forta \u015firk\u0259tl\u0259ri t\u0259r\u0259find\u0259n t\u0259klif edil\u0259n alternativl\u0259r v\u0259t\u0259nda\u015flar\u0131 c\u0259lb etm\u0259y\u0259 ba\u015flay\u0131b. X\u00fcsusil\u0259, y\u00fcks\u0259k pensiya v\u0259 vergi \u00f6d\u0259ni\u015fl\u0259rind\u0259n yay\u0131nmaq v\u0259 \u0259lav\u0259 g\u0259lir \u0259ld\u0259 etm\u0259k ist\u0259yi h\u0259yat s\u0131\u011fortas\u0131 n\u00f6vl\u0259rin\u0259 mara\u011f\u0131 art\u0131r\u0131b.  \u0130nsanlar g\u0259l\u0259c\u0259k pensiya kapital\u0131n\u0131n bir hiss\u0259sind\u0259n imtina edib, onun h\u0259yat s\u0131\u011fortas\u0131na y\u00f6n\u0259ldilm\u0259sin\u0259 k\u00f6n\u00fcll\u00fc raz\u0131 olurlar. M\u00f6vcud  qanunvericilik imkan verir ki, \u015f\u0259xs maa\u015f\u0131n\u0131n 50 faizini ke\u00e7m\u0259m\u0259k \u015f\u0259rti il\u0259 minimum 3 illik m\u00fcdd\u0259t\u0259 h\u0259yat\u0131n ya\u015fam v\u0259 annuitet s\u0131\u011fortas\u0131na qo\u015fulsun. Bu zaman \u0259m\u0259khaqq\u0131ndan m\u0259cburi ay\u0131rmalardan azad olma h\u00fcququ yaran\u0131r. Habel\u0259 s\u0131\u011fortaya c\u0259lb edil\u0259n m\u0259bl\u0259\u011fin vergi v\u0259 sosial \u00f6d\u0259ni\u015fi \u015f\u0259xsin s\u0131\u011forta kapital\u0131n\u0131n \u00fcz\u0259rin\u0259 g\u0259lir. Bundan \u0259lav\u0259, m\u00fcqavil\u0259 m\u00fcdd\u0259tinin sonunda \u0259man\u0259t faizi hesablan\u0131r. Y\u0259ni \u015f\u0259xs\u0259 q\u0131sa m\u00fcdd\u0259t \u00fc\u00e7\u00fcn d\u00f6vl\u0259tin pensiya fonduna \u00f6d\u0259diyi v\u0259saitd\u0259n daha \u00e7ox y\u0131\u011f\u0131m \u0259ld\u0259 etm\u0259k imkan\u0131 a\u00e7\u0131l\u0131r. H\u0259m\u00e7inin DSMF-d\u0259 y\u0131\u011f\u0131lan kapital \u015f\u0259xs \u00f6ld\u00fckd\u0259 yax\u0131nlar\u0131 \u0259ld\u0259 ed\u0259 bilmirs\u0259, h\u0259yat s\u0131\u011fortas\u0131nda, bu, bel\u0259 deyil.<\/p>\n\n\n\n

M\u0259rk\u0259zi Bank\u0131n hesabatlar\u0131ndan da g\u00f6r\u00fcn\u00fcr ki, son 4 ild\u0259 h\u0259yat\u0131n ya\u015fam s\u0131\u011fortas\u0131 haqlar\u0131ndan y\u0131\u011f\u0131mlar 59,3 faiz, \u00f6d\u0259ni\u015fl\u0259r is\u0259 5,8 faiz art\u0131b. Haz\u0131rda 5 s\u0131\u011forta \u015firk\u0259t h\u0259yat s\u0131\u011fortas\u0131n\u0131 h\u0259yata ke\u00e7irir. V\u0259 onlar\u0131n t\u0259klif etdiyi \u201ch\u0259yat\u0131n ya\u015fam s\u0131\u011fortas\u0131\u201d m\u0259hsuluna maraq \u0259h\u0259miyy\u0259tli d\u0259r\u0259c\u0259d\u0259 y\u00fcks\u0259lib. \u0130nsanlar art\u0131q bel\u0259 bir y\u0131\u011f\u0131m\u0131 g\u0259l\u0259c\u0259kl\u0259ri \u00fc\u00e7\u00fcn alternativ pensiya y\u0131\u011f\u0131m\u0131 olaraq q\u0259bul edirl\u0259r.<\/p>\n\n\n

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C\u0259dv\u0259l: Meydan TV<\/figcaption><\/figure>\n<\/div>\n\n\n

\u00d6z\u0259l pensiya fondunun yarad\u0131lmas\u0131n\u0131n l\u0259ngim\u0259si fonunda h\u0259yat s\u0131\u011fortas\u0131n\u0131n m\u0259hsullar\u0131n\u0131 ona alternativ saymaq olarm\u0131?<\/p>\n\n\n\n

\u0130qtisad\u00e7\u0131 X.K\u0259rimlinin s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, h\u0259yat s\u0131\u011fortas\u0131na mara\u011f\u0131n yarad\u0131lmas\u0131n\u0131n m\u0259qs\u0259di maliyy\u0259 sektoru \u00fc\u00e7\u00fcn uzunm\u00fcdd\u0259tli pulu formala\u015fd\u0131rmaq v\u0259 v\u0259t\u0259nda\u015flar\u0131n uzunm\u00fcdd\u0259tli y\u0131\u011f\u0131ma mara\u011f\u0131n\u0131 art\u0131rmaqd\u0131r:<\/p>\n\n\n\n

\u201c V\u0259t\u0259nda\u015flar da son ill\u0259r ona g\u00f6r\u0259 h\u0259yat s\u0131\u011fortas\u0131n\u0131 se\u00e7ir ki, \u0259m\u0259khaqq\u0131ndan tutulan vergi v\u0259 DSMF \u00f6d\u0259ni\u015fl\u0259ri y\u00fcks\u0259kdir. X\u00fcsus\u0259n, 2500 manatdan y\u00fcks\u0259k maa\u015f alan, o c\u00fcml\u0259d\u0259n, qeyri-neft sektorunda 8000 manatdan \u00e7ox alan \u015f\u0259xsl\u0259r h\u0259yat s\u0131\u011fortas\u0131na kapital y\u00f6n\u0259ltdikd\u0259, g\u0259lirlilik b\u0259z\u0259n 40 faizin \u00fcz\u0259rin\u0259 \u00e7ata bilir. Bu da v\u0259t\u0259nda\u015flara maraql\u0131 edir ki, s\u00f6z\u00fcged\u0259n y\u0131\u011f\u0131m instrumentin\u0259 \u00fcst\u00fcnl\u00fck versinl\u0259r. Bu, h\u0259m h\u0259yat\u0131n s\u0131\u011fortas\u0131d\u0131r, h\u0259m d\u0259 y\u0131\u011f\u0131m\u0131 stimulla\u015fd\u0131ran amildir\u201d.<\/em><\/p>\n\n\n\n

\u0130qtisad\u00e7\u0131ya g\u00f6r\u0259,  d\u00f6vl\u0259t neft sektorunda \u00e7al\u0131\u015fanlar \u00fc\u00e7\u00fcn h\u0259yat s\u0131\u011fortas\u0131 daha c\u0259lbedicidir. \u00c7\u00fcnki 2019-2026-ci ill\u0259r \u00fczr\u0259 \u00f6z\u0259l sektorda \u00e7al\u0131\u015fanlar \u00fc\u00e7\u00fcn vergi g\u00fcz\u0259\u015ftl\u0259ri m\u00f6vcuddur.
Lakin X.K\u0259rimli he\u00e7 bir halda h\u0259yat s\u0131\u011fortas\u0131n\u0131n h\u0259r hans\u0131 m\u0259hsulunu \u00f6z\u0259l pensiya sistemin\u0259 alternativ hesab etmir. \u00c7\u00fcnki s\u0131\u011forta daha q\u0131sa m\u00fcdd\u0259tli d\u00f6vr\u00fc \u0259hat\u0259 edir, amma \u00f6z\u0259l pensiya fondlar\u0131nda s\u0259rb\u0259stlikl\u0259r daha \u00e7oxdur:<\/p>\n\n\n

\n
\"\"
Xalid K\u0259rimli. Foto: “vergiler.az”<\/figcaption><\/figure>\n<\/div>\n\n\n

\u201c\u00d6z\u0259l pensiya fonduna yat\u0131r\u0131m daha uzun m\u00fcdd\u0259tli d\u00f6vr \u00fc\u00e7\u00fcn n\u0259z\u0259rd\u0259 tutulur. Amma h\u0259yat y\u0131\u011f\u0131m s\u0131\u011fortas\u0131 3 ili \u0259hat\u0259 edir. \u00d6z\u0259l pensiya fondundan pensiya h\u00fcququ yaranma ya\u015f\u0131 qanunla m\u00fc\u0259yy\u0259nl\u0259\u015f\u0259c\u0259k. \u00c7\u00fcnki pensiya fondlar\u0131 o m\u00fcdd\u0259t\u0259 g\u00f6r\u0259 investisiyalar\u0131n\u0131 ed\u0259c\u0259kl\u0259r. \u00c7ox g\u00fcman ki, pensiya fondu y\u0131\u011f\u0131lan m\u0259bl\u0259\u011fi hiss\u0259-hiss\u0259 \u00f6d\u0259y\u0259c\u0259k. Amma h\u0259yat s\u0131\u011fortas\u0131nda v\u0259saiti tam olaraq \u00f6d\u0259nilir.
\u00dcmumiyy\u0259tl\u0259, Az\u0259rbaycan\u0131n cari pensiya sistemind\u0259 i\u015f\u0259g\u00f6t\u00fcr\u0259n v\u0259 i\u015f\u00e7i m\u00fctl\u0259q \u015f\u0259kild\u0259 DSMF-y\u0259 \u00f6d\u0259ni\u015fl\u0259r etm\u0259lidir. Amma \u00f6z\u0259l pensiya fondunda v\u0259t\u0259nda\u015flara m\u00fc\u0259yy\u0259n se\u00e7iml\u0259r veril\u0259c\u0259k. Qanunvercilik olmad\u0131\u011f\u0131na g\u00f6r\u0259, bunun formalar\u0131 haqq\u0131nda n\u0259s\u0259 dan\u0131\u015fa bilmirik. Q\u0259rb praktikas\u0131na g\u00f6r\u0259, \u015f\u0259xs t\u0259qa\u00fcd\u0259 \u00e7\u0131xark\u0259n h\u0259m \u00f6z\u0259l, h\u0259m d\u0259 d\u00f6vl\u0259t sosial qurumlar\u0131 t\u0259r\u0259find\u0259n pensiya ala bilir.  Habel\u0259 b\u0259zil\u0259rind\u0259 pensiya fonduna toplanm\u0131\u015f kapital\u0131 tam halda da g\u00f6t\u00fcr\u0259 bilirl\u0259r\u201d.<\/em><\/p>\n\n\n\n

To\u011frul V\u0259liyev d\u0259 h\u0259r iki y\u0131\u011f\u0131m sistemin\u0259 sosial siyas\u0259t olaraq baxd\u0131qda alternativ hesab etmir: <\/p>\n\n\n\n

\u201cH\u0259yat\u0131n ya\u015fam s\u0131\u011fortas\u0131ndan o \u015f\u0259xsl\u0259r istifad\u0259 edir ki, onun g\u0259liri kifay\u0259t q\u0259d\u0259r y\u00fcks\u0259kdir. Eyni zamanda bundan o insanlar istifad\u0259 ed\u0259 bilirl\u0259r ki, \u0259n az\u0131 pensiya kapital\u0131n\u0131n normal toplana bil\u0259c\u0259yini d\u00fc\u015f\u00fcn\u00fcrl\u0259r. \u00c7\u00fcnki pensiya kapital\u0131na ayr\u0131lan v\u0259saitin bir hiss\u0259si h\u0259yat s\u0131\u011fortas\u0131na gedir. Eyni zamanda h\u0259yat s\u0131\u011fortas\u0131n\u0131n da m\u00fcdd\u0259ti uzun d\u00f6vr \u00fc\u00e7\u00fcn hesablanmay\u0131b.  \u0130nsanlar q\u0131sa v\u0259 ortam\u00fcdd\u0259tli d\u00f6vr \u00fc\u00e7\u00fcn h\u0259yat s\u0131\u011fortas\u0131ndan istifad\u0259 edirl\u0259r. H\u0259yat ya\u015fam s\u0131\u011fortas\u0131ndan istifad\u0259 ed\u0259nl\u0259r m\u0259hdud bir qrupdur v\u0259 m\u0259hdud bir \u015firk\u0259td\u0259 y\u00fcks\u0259k maa\u015fla \u00e7al\u0131\u015fanlard\u0131r. Ona g\u00f6r\u0259 d\u0259, sosial siyas\u0259t bax\u0131m\u0131nda bu iki sistemi alternativ hesab etm\u0259k olmaz\u201d.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

H\u0259yat s\u0131\u011fortas\u0131 pensiya kapital\u0131ndan m\u0259hrum edir? \u0130nsanlar\u0131n h\u0259yat s\u0259viyy\u0259si onlar\u0131n … <\/p>\n

Davam\u0131<\/a><\/p>\n","protected":false},"author":8,"featured_media":225868,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","footnotes":""},"categories":[53,79,56],"tags":[],"class_list":["post-317537","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-iqtisadiyyat","category-featured","category-xeberler","infinite-scroll-item","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-33","no-featured-image-padding"],"acf":[],"yoast_head":"\nAz\u0259rbaycanda insanlar\u0131n g\u0259l\u0259c\u0259kl\u0259rini s\u0131\u011fortalama imkanlar\u0131 - MEYDAN.TV<\/title>\n<meta name=\"description\" content=\"X\u0259rcl\u0259ri \u00f6d\u0259m\u0259k \u00fc\u00e7\u00fcn kifay\u0259t q\u0259d\u0259r resurs toplanmaya bil\u0259r.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.meydan.tv\/az\/article\/azerbaycanda-insanlarin-geleceklerini-sigortalama-imkanlari\/\" \/>\n<meta property=\"og:locale\" content=\"az_AZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Az\u0259rbaycanda insanlar\u0131n g\u0259l\u0259c\u0259kl\u0259rini s\u0131\u011fortalama imkanlar\u0131 - 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