{"id":320642,"date":"2024-11-15T16:10:28","date_gmt":"2024-11-15T12:10:28","guid":{"rendered":"https:\/\/www.meydan.tv\/?p=320642"},"modified":"2024-11-19T14:22:52","modified_gmt":"2024-11-19T10:22:52","slug":"azerbaycanin-pensiya-sisteminde-20-il-davam-eden-eksperimentler","status":"publish","type":"post","link":"https:\/\/www.meydan.tv\/az\/article\/azerbaycanin-pensiya-sisteminde-20-il-davam-eden-eksperimentler\/","title":{"rendered":"Az\u0259rbaycan\u0131n pensiya sistemind\u0259 20 il davam ed\u0259n eksperimentl\u0259r"},"content":{"rendered":"\n

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Pensiya h\u00fcququ qazana bilm\u0259y\u0259n ya\u015fl\u0131 \u0259halinin say\u0131 s\u00fcr\u0259tl\u0259 art\u0131r<\/em><\/strong><\/p>\n\n\n\n

Son 20 ild\u0259n art\u0131q bir m\u00fcdd\u0259t Az\u0259rbaycan h\u00f6kum\u0259tinin pensiya sistemi \u00fcz\u0259rind\u0259 ekspermentl\u0259ri il\u0259 ke\u00e7di. \u201cAy\u0131n\u0131n min oyunu bir armudun ba\u015f\u0131nda\u201d oldu\u011fu kimi bu ekspermentl\u0259rin d\u0259 bir h\u0259d\u0259fi vard\u0131: pensiya h\u00fcququ qazananlar\u0131n say\u0131 v\u0259 pensiya \u00f6d\u0259ni\u015fin\u0259 x\u0259rcl\u0259n\u0259n v\u0259saitl\u0259rin m\u0259bl\u0259\u011fi m\u00fcmk\u00fcn q\u0259d\u0259r az olsun. \u00c7\u00fcnki h\u00f6kum\u0259t neft pullar\u0131n\u0131n yaratd\u0131\u011f\u0131 rahatl\u0131\u011f\u0131n bir m\u0259rh\u0259l\u0259d\u0259 ba\u015fa \u00e7ataca\u011f\u0131n\u0131, h\u0259min d\u00f6vrd\u0259 k\u00fctl\u0259vil\u0259\u015f\u0259n sosial naraz\u0131l\u0131qlar fonunda pensiya sistemind\u0259 bu ekspermentl\u0259rin m\u00fcmk\u00fcn olmayaca\u011f\u0131n\u0131 h\u0259mi\u015f\u0259 diqq\u0259td\u0259 saxlay\u0131b. Proses t\u0259dric\u0259n apar\u0131l\u0131b: fasil\u0259l\u0259rl\u0259 pensiya ya\u015f\u0131, pensiyaya \u00e7\u0131xmaq \u00fc\u00e7\u00fcn t\u0259l\u0259b olunan \u0259m\u0259k f\u0259aliyy\u0259ti ill\u0259rinin say\u0131 art\u0131r\u0131l\u0131b.<\/p>\n\n\n\n

\u00d6lk\u0259d\u0259 pensiya ya\u015f\u0131n\u0131n art\u0131r\u0131lmas\u0131na ilk d\u0259f\u0259 2005-ci ild\u0259 start verildi v\u0259 o zaman pensiyaya \u00e7\u0131xmaq \u00fc\u00e7\u00fcn ya\u015f h\u0259ddi ki\u015fil\u0259r \u00fc\u00e7\u00fcn 60-dan 61-\u0259, qad\u0131nlar \u00fc\u00e7\u00fcn is\u0259 55-d\u0259n 56-ya qald\u0131r\u0131ld\u0131. Bir m\u00fcdd\u0259t fasil\u0259 verils\u0259 d\u0259, 2010-cu ild\u0259n bu proses\u0259 yenid\u0259n davam etdirildi. Haz\u0131rk\u0131 d\u00f6vr\u0259 pensiya ya\u015f\u0131 qad\u0131nlar \u00fc\u00e7\u00fcn 64, ki\u015fil\u0259r \u00fc\u00e7\u00fcn 65-dir. Qanunvericliy\u0259 g\u00f6r\u0259, art\u0131q 2026-c\u0131 ild\u0259n qad\u0131nlar \u00fc\u00e7\u00fcn d\u0259 pensiya ya\u015f\u0131 65-\u0259 \u00e7atd\u0131r\u0131lacaq, h\u0259r 2 qrup \u00fczr\u0259 b\u0259rab\u0259rl\u0259\u015fmi\u015f olacaq.<\/p>\n\n\n\n

2017-ci ild\u0259 qanunvericiliy\u0259 edil\u0259n d\u0259yi\u015fikliy\u0259 \u0259sas\u0259n, pensiyaya \u00e7\u0131xmaq \u00fc\u00e7\u00fcn t\u0259l\u0259b olunan \u0259m\u0259k staj\u0131 da 12 ild\u0259n 25 il\u0259 \u00e7at\u0131d\u0131r\u0131ld\u0131. Pensiya ya\u015f\u0131na \u00e7atan \u015f\u0259xsl\u0259rin f\u0259rdi s\u0131\u011forta hesab\u0131ndak\u0131 toplanan kapital minimum m\u0259bl\u0259\u011fd\u0259 pensiya t\u0259yinat\u0131na imkan vermirs\u0259, m\u00fctl\u0259q 25 illik \u0259m\u0259k staj\u0131 olmal\u0131d\u0131r.<\/p>\n\n\n\n

H\u0259r 2 t\u0259l\u0259bi \u00f6d\u0259m\u0259y\u0259n \u015f\u0259xsl\u0259r \u00fc\u00e7\u00fcn ah\u0131ll\u0131\u011fa g\u00f6r\u0259 ayl\u0131q sosial m\u00fcavin\u0259t t\u0259yin edilir. H\u0259min m\u00fcavin\u0259tin m\u0259bl\u0259\u011fi is\u0259 bir qayda olaraq minimum pensiyadan xeyli a\u015fa\u011f\u0131 olur. M\u0259s\u0259l\u0259n, haz\u0131rda ah\u0131ll\u0131q m\u00fcavin\u0259tinin m\u0259bl\u0259\u011fi 220 manat, yaxud minumum ayl\u0131q pensiyan\u0131n 78 faizi q\u0259d\u0259rdir.<\/p>\n\n\n\n

D\u00fcnyada v\u0259 Az\u0259rbaycanda pensiya ya\u015f\u0131<\/strong><\/p>\n\n\n\n

Az\u0259rbaycan m\u0259murlar\u0131 pensiya ya\u015f\u0131n\u0131n art\u0131r\u0131lmas\u0131 \u00fc\u00e7\u00fcn d\u00fcnyada olan m\u00fcxt\u0259lif t\u0259cr\u00fcb\u0259l\u0259ri \u0259sas arqument kimi g\u00f6st\u0259rirl\u0259r. Do\u011frudan da xeyli sayda inki\u015faf etmi\u015f \u00f6lk\u0259 var ki, h\u0259min \u00f6lk\u0259l\u0259rd\u0259 pensiya ya\u015f\u0131 65, h\u0259tta b\u0259zi \u00f6lk\u0259l\u0259rd\u0259 67 ya\u015f m\u00fc\u0259yy\u0259n edilib. M\u0259s\u0259l\u0259n, pensiya ya\u015f\u0131 Danimarka, Finlandiya v\u0259 Yeni Zelandiyada 65, Nideraland, \u0130rlandiya v\u0259 Almaniyada 66, Norve\u00e7, \u0130taliya v\u0259 \u0130slandiyada 67 il m\u00fc\u0259yy\u0259n edilib. Amma bu siyah\u0131ya baxanda onlar\u0131n hams\u0131n\u0131n istisnas\u0131z olaraq inki\u015faf etmi\u015f \u00f6lk\u0259l\u0259r oldu\u011fu ayd\u0131n g\u00f6r\u00fcn\u00fcr. H\u0259min \u00f6lk\u0259l\u0259rd\u0259 pensiya ya\u015f\u0131n\u0131n y\u00fcks\u0259k olmas\u0131n\u0131n bir s\u0131ra obyektiv s\u0259b\u0259bl\u0259ri var. \u018fvv\u0259la, insanlar\u0131n \u00f6mr\u00fc daha uzundur. \u00d6m\u00fcr uzunlu\u011fu ona g\u00f6r\u0259 \u0259h\u0259miyy\u0259tli g\u00f6st\u0259ricidir ki, pensiya ya\u015f\u0131 y\u00fcks\u0259k olsa da, insanlar daha uzun m\u00fcdd\u0259t\u0259 pensiya ala bilir. M\u0259s\u0259l\u0259n, insanlar\u0131n orta hesabla 80-85 il ya\u015fad\u0131\u011f\u0131 olk\u0259 il\u0259 70-75 il \u00f6m\u00fcr m\u00fcdd\u0259ti olan \u00f6lk\u0259nin eyni pensiya ya\u015f\u0131 m\u00fc\u0259yy\u0259nl\u0259\u015fdirm\u0259si v\u0259t\u0259nda\u015flar\u0131n sosial h\u00fcquqlar\u0131n\u0131n kobud \u015f\u0259kild\u0259 pozulmas\u0131d\u0131r. Bu, o dem\u0259kdir ki, uzun ill\u0259r pensiya fondlar\u0131na m\u0259cburi ay\u0131rmalar ed\u0259n insanlar\u0131n \u0259h\u0259miyy\u0259tli hiss\u0259si ya pensiya ya\u015f\u0131na \u00e7atmadan v\u0259fat etdiyi \u00fc\u00e7\u00fcn \u00fcmumiyy\u0259tl\u0259 pensiya ala bilmir, ya da pensiyaya \u00e7\u0131xd\u0131qdan q\u0131sa m\u00fcdd\u0259t (maksimum 3-5 il) sonra v\u0259fat etdiyi \u00fc\u00e7\u00fcn uzun ill\u0259r \u00f6d\u0259diyinin \u00e7ox az hiss\u0259sini pensiya \u015f\u0259klind\u0259 geri ala bilir.<\/p>\n\n\n\n

D\u00fcnya Bank\u0131n\u0131n \u0259n son statistikas\u0131na g\u00f6r\u0259, Az\u0259rbaycanda do\u011fulanda g\u00f6zl\u0259nil\u0259n orta \u00f6m\u00fcr uzunlu\u011fu 73 il t\u0259\u015fkil edir (h\u0259r\u00e7\u0259nd ki, Az\u0259rbaycan\u0131n yerli statistikas\u0131 bu r\u0259q\u0259mi D\u00fcnya Bank\u0131ndan daha y\u00fcks\u0259k- 76 il g\u00f6st\u0259rir). Lakin yuxar\u0131da ad\u0131\u00e7\u0259kil\u0259n \u00f6lk\u0259l\u0259rin h\u0259r birind\u0259 80 il v\u0259 daha \u00e7oxdur. M\u0259s\u0259l\u0259n, Almaniya, Danimarka v\u0259 Finlandiyada 81 il, \u0130slandiya v\u0259 Niderlandda 82 il, \u0130taliya, \u0130rlandiya, Norve\u00e7 v\u0259 Yeni Zelandiyada 83 il t\u0259\u015fkil edir. Y\u0259ni bu \u00f6lk\u0259l\u0259rin h\u0259r biri il\u0259 Az\u0259rbaycan\u0131n do\u011fulanda orta \u00f6m\u00fcr uzunlu\u011fu g\u00f6st\u0259rici aras\u0131nda az qala 10 il f\u0259rq var.<\/p>\n\n\n

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D\u00fcnya Bank\u0131. M\u0259nb\u0259: Kristi Blokhin\/shutterstock<\/figcaption><\/figure>\n<\/div>\n\n\n

\u0130nki\u015faf etmi\u015f \u00f6lk\u0259l\u0259rd\u0259 pensiya ya\u015f\u0131n\u0131n m\u00fc\u0259yy\u0259n edilm\u0259si \u00fc\u00e7\u00fcn daha m\u00fch\u00fcm bir g\u00f6st\u0259rici 65 ya\u015f\u0131na \u00e7atm\u0131\u015f insanlar \u00fc\u00e7\u00fcn g\u00f6zl\u0259nil\u0259n orta \u00f6m\u00fcr uzunlu\u011fudur. Bu, h\u0259min ya\u015fa \u00e7atan insanlar\u0131n orta hesabla n\u0259 q\u0259d\u0259r ya\u015faya bildiyini g\u00f6st\u0259rir. T\u0259\u0259ss\u00fcf ki, yerli statistika bu g\u00f6st\u0259ricini hesablam\u0131r. Lakin BMT-nin Avropa \u00fczr\u0259 \u0130qtisadi \u015euras\u0131n\u0131n \u0259n son hesabat\u0131nda 47 \u00f6lk\u0259 aras\u0131nda Az\u0259rbaycanla da ba\u011fl\u0131 m\u0259lumata rast g\u0259lm\u0259k m\u00fcmk\u00fcnd\u00fcr. Az\u0259rbaycan 65 ya\u015fda insanlar\u0131n g\u00f6zl\u0259nil\u0259n orta \u00f6m\u00fcr uzunlu\u011funa g\u00f6r\u0259 47 \u00f6lk\u0259 i\u00e7\u0259risind\u0259 36-c\u0131 yerd\u0259 q\u0259rarla\u015f\u0131b. \u018fn y\u00fcks\u0259k g\u00f6st\u0259riciy\u0259 malik Avropa \u00f6lk\u0259l\u0259rind\u0259 ah\u0131ll\u0131q ya\u015f\u0131na \u00e7atm\u0131\u015f insanlar\u0131n orta ya\u015fama d\u00f6vr\u00fc 21-22 il t\u0259\u015fkil edir. Az\u0259rbaycanla b\u0259rab\u0259r son s\u0131ralarda q\u0259rarla\u015fan \u00f6lk\u0259l\u0259rin dem\u0259k olar ki, ham\u0131s\u0131 ke\u00e7mi\u015f SSR\u0130 respublikalar\u0131d\u0131r v\u0259 qeyd olunan g\u00f6st\u0259rici 13 il \u0259traf\u0131ndad\u0131r. Bu g\u00f6st\u0259ricinin d\u0259 s\u0259viyy\u0259sin\u0259 g\u00f6r\u0259, Az\u0259rbaycan inki\u015faf etmi\u015f \u00f6lk\u0259l\u0259r\u0259 8-10 il uduzur.<\/p>\n\n\n\n

Ke\u00e7id \u00f6lk\u0259l\u0259rind\u0259 pensiya daha a\u015fa\u011f\u0131d\u0131r. M\u0259s\u0259l\u0259n, pensiya ya\u015f\u0131 Rusiya v\u0259 G\u00fcrc\u00fcstanda ki\u015fil\u0259r \u00fc\u00e7\u00fcn 65 il olsa da, qad\u0131nlar \u00fc\u00e7\u00fcn 60 il, Qazax\u0131standa 63 il, Ukrayna, Belarus v\u0259 \u00d6zb\u0259kistanda 60 ildir.<\/p>\n\n\n\n

Bel\u0259likl\u0259, inki\u015faf etmi\u015f \u00f6lk\u0259l\u0259rd\u0259 pensiya ya\u015f\u0131n\u0131n art\u0131r\u0131lmas\u0131 \u00fc\u00e7\u00fcn \u0259sas istinad n\u00f6qt\u0259si olaraq orta \u00f6m\u00fcr uzunlu\u011fu g\u00f6st\u0259ricil\u0259ri g\u00f6t\u00fcr\u00fcl\u00fcr. M\u0259hz bu g\u00f6st\u0259ricil\u0259rd\u0259 ba\u015f ver\u0259n art\u0131mlar pensiya ya\u015f\u0131n\u0131n d\u0259yi\u015fdirilm\u0259si \u00fc\u00e7\u00fcn h\u00fcquqi \u0259sasland\u0131rma kimi \u00e7\u0131x\u0131\u015f edir.<\/p>\n\n\n

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Pensiya ya\u015f\u0131. Foto: Hyejin Kang\/shutterstock<\/figcaption><\/figure>\n<\/div>\n\n\n

Pensiya ya\u015f\u0131n\u0131n m\u00fc\u0259yy\u0259n edilm\u0259si \u00fc\u00e7\u00fcn \u0259n m\u00fch\u00fcm meyarlardan biri insanlar\u0131n, x\u00fcsus\u0259n 55-60 ya\u015f\u0131 \u00f6tm\u00fc\u015f \u015f\u0259xsl\u0259rin \u0259m\u0259k bazar\u0131nda i\u015f tapmaq imkanlar\u0131n\u0131n m\u00f6vcudlu\u011fudur. Az\u0259rbaycanda g\u0259nc insanlar\u0131n bel\u0259 layiqli \u0259m\u0259k \u015f\u0259rtl\u0259ril\u0259 i\u015f tapmas\u0131 b\u00f6y\u00fck problemdir. Ya\u015fl\u0131, pensiyaqaba\u011f\u0131 ya\u015fda insanlar\u0131n i\u015f tapmaq imkanlar\u0131 is\u0259 \u00fcmumiyy\u0259tl\u0259 m\u0259hduddur v\u0259 \u0259ks\u0259r hallarda sahibkarlar bu ya\u015fda insanlar\u0131 i\u015f\u0259 g\u00f6t\u00fcrm\u0259y\u0259 maraq g\u00f6st\u0259rmirl\u0259r.<\/p>\n\n\n\n

Bir maraql\u0131 m\u0259qam\u0131 da m\u00fctl\u0259q qeyd etm\u0259y\u0259 d\u0259y\u0259r: nisb\u0259t\u0259n y\u00fcks\u0259k ya\u015fda pensiyaya \u00e7\u0131xmaq h\u00fcququ m\u00fc\u0259yy\u0259n edil\u0259n \u00f6lk\u0259l\u0259rd\u0259 ist\u0259nil\u0259n \u015f\u0259xs\u0259 1-3 il interval\u0131nda erk\u0259n pensiyaya \u00e7\u0131xmaq h\u00fcququ verilir. Bu h\u00fcquqdan x\u00fcsusil\u0259 o \u015f\u0259xsl\u0259r istifad\u0259 edir ki, h\u0259min ya\u015fda i\u015fini itirir v\u0259 yeni i\u015f tapmaq \u015fans\u0131 az olur. Yaxud uzunm\u00fcdd\u0259li i\u015f rejimind\u0259 a\u011f\u0131r yor\u011funlu\u011fa m\u0259ruz qal\u0131r v\u0259 sa\u011flaml\u0131\u011f\u0131n\u0131 b\u0259rpa etm\u0259y\u0259 ehtiyac yaran\u0131r. M\u0259s\u0259l\u0259n, \u00c7exiyada erk\u0259n \u00e7\u0131x\u0131\u015f h\u00fcququndan istifad\u0259 edildiyi halda, pensiyaya erk\u0259n \u00e7\u0131x\u0131lan h\u0259r il \u00fc\u00e7\u00fcn normal ya\u015fda qazan\u0131lacaq pensiyadan 6 faiz k\u0259silir. Amma bu h\u00fcquqdan istifad\u0259 \u00fc\u00e7\u00fcn h\u0259min \u015f\u0259xsin \u0259n az\u0131 35 il fasil\u0259siz i\u015f staj\u0131 olmal\u0131d\u0131r.<\/p>\n\n\n\n

\u00d6lk\u0259d\u0259 pensiya alanlar\u0131n say\u0131 s\u00fcr\u0259tl\u0259 azal\u0131r<\/strong><\/p>\n\n\n\n

Pensiyaya \u00e7\u0131x\u0131\u015f \u015f\u0259rtl\u0259rinin s\u0259rtl\u0259\u015fdirilm\u0259si son ill\u0259r \u00f6lk\u0259d\u0259 pensiya alanlar\u0131n say\u0131n\u0131n s\u00fcr\u0259tl\u0259 azalmas\u0131na s\u0259b\u0259b olub. Problem t\u0259kc\u0259 pensiya ya\u015f\u0131n\u0131n art\u0131r\u0131lmas\u0131 da deyil. Staj t\u0259l\u0259bi \u00f6d\u0259nm\u0259dikd\u0259 s\u0131\u011forta hesab\u0131nda toplanan minimum pensiya kapital\u0131 pensiyaya \u00e7\u0131xma\u011fa imkan verm\u0259lidir. Haz\u0131rda q\u00fcvv\u0259d\u0259 olan qanunvericiliy\u0259 g\u00f6r\u0259, minimum kapital\u0131n t\u0259l\u0259b olunan m\u0259bl\u0259\u011fi minimum ayl\u0131q pensiyan\u0131n 144 mislin\u0259 b\u0259rab\u0259r olmal\u0131d\u0131r. Haz\u0131rda minimum pensiyan\u0131n 280 manat oldu\u011fu n\u0259z\u0259r\u0259 al\u0131nsa, dem\u0259li 25 il staj\u0131 olmayan \u015f\u0259xsl\u0259rin kapital\u0131 40320 manatdan az olmamal\u0131d\u0131r. Tutaq ki, hans\u0131sa \u015f\u0259xsin 65 ya\u015f\u0131 \u00e7at\u0131b v\u0259 c\u0259mi 24 il staj\u0131 var. Bu halda 40320 manat kapital\u0131 olmad\u0131\u011f\u0131 \u00fc\u00e7\u00fcn h\u0259min \u015f\u0259xsin 24 illik staj\u0131 v\u0259 pensiya \u00f6d\u0259m\u0259l\u0259ri d\u0259 batacaq. Halbuki haz\u0131rk\u0131 r\u0259smi maa\u015flarla xeyli sayda insan\u0131n n\u0259inki 24 il\u0259, h\u0259tta 30-35 il\u0259 bu q\u0259d\u0259r kapital\u0131 toplamas\u0131 m\u00fcmk\u00fcn deyil. M\u0259s\u0259l\u0259n, b\u00fct\u00fcn \u015f\u0259rtl\u0259r sabit (inflyasiyan\u0131n olmad\u0131\u011f\u0131 v\u0259 minimum pensiyan\u0131n m\u0259bl\u0259\u011fi eyni oldu\u011fu) qald\u0131\u011f\u0131 t\u0259qdird\u0259 24 il \u0259m\u0259k staj\u0131 olan \u015f\u0259xsin haz\u0131rk\u0131 minimum pensiya kapital\u0131n\u0131 qar\u015f\u0131lamaq \u00fc\u00e7\u00fcn ayda \u0259n az\u0131 600 manat maa\u015f almas\u0131 laz\u0131md\u0131r. Halbuki r\u0259smi statistikan\u0131n m\u0259lumat\u0131na g\u00f6r\u0259, 2023-c\u00fc ild\u0259 b\u00fct\u00fcn muzdlu i\u015f\u00e7il\u0259rin h\u0259r 2 n\u0259f\u0259rind\u0259n birinin ayl\u0131q maa\u015f\u0131 600 manatdan a\u015fa\u011f\u0131 olub. H\u0259tta b\u00fct\u00fcn i\u015fl\u0259y\u0259nl\u0259rin 30 faizind\u0259n \u00e7oxunun ayl\u0131q \u0259m\u0259k haqq\u0131 400 manata \u00e7atm\u0131r. Bu g\u00fcn Az\u0259rbaycanda r\u0259smi maa\u015flar o q\u0259d\u0259r a\u015fa\u011f\u0131d\u0131r ki, h\u0259min m\u0259bl\u0259\u011fin h\u00f6kum\u0259tin t\u0259l\u0259b etdiyi minimum pensiya kapital\u0131n\u0131 qar\u015f\u0131lamas\u0131 \u00fc\u00e7\u00fcn a\u015fa\u011f\u0131 m\u0259vacibli insanlar \u00fc\u00e7\u00fcn az\u0131 35-40 il zaman laz\u0131md\u0131r. Minimum pensiya kapital\u0131n\u0131 toplaya bilm\u0259y\u0259nl\u0259r\u0259 is\u0259 avtomatik olaraq 25 il staj oldu\u011fu halda minimum pensiya t\u0259yin edilir. Onun m\u0259bl\u0259\u011fi is\u0259 ya\u015fl\u0131 inanlara h\u0259tta yoxsul \u0259halinin l\u0259yaq\u0259tli minimum ya\u015fay\u0131\u015f h\u0259ddind\u0259 ya\u015famas\u0131na bel\u0259 yet\u0259c\u0259k q\u0259d\u0259r deyil.<\/p>\n\n\n

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Az\u0259rbaycanda \u0259m\u0259k haqq\u0131. Foto: Black Pearl Footage\/shutterstock<\/figcaption><\/figure>\n<\/div>\n\n\n

Pensiya h\u00fcququ qazananlar\u0131n say\u0131na g\u0259ldikd\u0259, son 15 il\u0259 yax\u0131n d\u00f6vrd\u0259 (2010-2024-c\u00fc ill\u0259r) pensiya alanlar\u0131n say\u0131 20 faizd\u0259n \u00e7ox (t\u0259xmin\u0259n 160 min n\u0259f\u0259r) azalaraq 700 min n\u0259f\u0259r\u0259 enib. H\u0259l\u0259 n\u0259z\u0259r\u0259 almaq laz\u0131md\u0131r ki, bu saydan 110 min n\u0259f\u0259ri x\u00fcsusi \u015f\u0259rtl\u0259rl\u0259 erk\u0259n pensiya h\u00fcququ qazanan, ya\u015f\u0131 65-\u0259 \u00e7atmayan \u015f\u0259xsl\u0259rdir. Y\u0259ni ya\u015fa g\u00f6r\u0259 pensiya alan \u015f\u0259xsl\u0259rin \u0259n yax\u015f\u0131 halda 590 min n\u0259f\u0259ri qanunvericilikd\u0259 n\u0259z\u0259rd\u0259 tutulmu\u015f pensiya ya\u015f\u0131na \u00e7atan \u015f\u0259xsl\u0259rdir. Halbuki 2010-2024-c\u00fc ill\u0259rd\u0259 64 ya\u015fdan yuxar\u0131 \u0259halinin say\u0131 az qala 2 d\u0259f\u0259 artaraq 530 min n\u0259f\u0259rd\u0259n 930 min n\u0259f\u0259r\u0259 \u00e7at\u0131b. G\u00f6r\u00fcnd\u00fcy\u00fc kimi, analiz apar\u0131lan 14 il \u0259rzind\u0259 ya\u015fa g\u00f6r\u0259 pensiya alanlar\u0131n say\u0131 160 min n\u0259f\u0259r azald\u0131\u011f\u0131 halda, 64 v\u0259 yuxar\u0131 ya\u015fda \u0259halinin \u00fcmumi say\u0131 400 min n\u0259f\u0259r art\u0131b.<\/p>\n\n\n\n

L\u0259yaq\u0259tli h\u0259yat \u015f\u0259rtl\u0259rin\u0259 z\u0259man\u0259t ver\u0259n pensiya t\u0259yinat\u0131 imkan\u0131 darald\u0131qca, h\u00f6kum\u0259tin c\u00fczi m\u0259bl\u0259\u011fd\u0259 t\u0259yin etdiyi ah\u0131ll\u0131q m\u00fcavin\u0259ti alanlar\u0131n say\u0131 da s\u00fcr\u0259tl\u0259 art\u0131r. M\u0259s\u0259l\u0259n, son 10 ild\u0259 h\u0259min m\u00fcavin\u0259ti alanlar\u0131n say\u0131 10 d\u0259f\u0259d\u0259n \u00e7ox artaraq 13 min n\u0259f\u0259rd\u0259n 145 min n\u0259f\u0259r\u0259 y\u00fcks\u0259lib.<\/p>\n\n\n

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Foto: By Matej Kastelic\/Shutterstock<\/figcaption><\/figure>\n<\/div>\n\n\n

Bel\u0259likl\u0259, hesablamalar g\u00f6st\u0259rir ki, 64 v\u0259 yuxar\u0131 ya\u015fda olan \u0259n az\u0131 200 min n\u0259f\u0259r insan\u0131n ya\u015fa g\u00f6r\u0259 \u0259m\u0259k pensiyas\u0131 almaq h\u00fcququ olmay\u0131b. Bu r\u0259q\u0259m getdikc\u0259 artacaq, \u00e7\u00fcnki haz\u0131rk\u0131 ya\u015fl\u0131 \u0259halinin sovet d\u00f6vr\u00fcnd\u0259n qalma \u0259m\u0259k staj\u0131 var idi v\u0259 xeyli sayda insan\u0131n a\u015fa\u011f\u0131 m\u0259bl\u0259\u011fl\u0259 d\u0259 olsa pensiya h\u00fcququ qazanmas\u0131na bu staj yard\u0131m edirdi. M\u00fcst\u0259qillik d\u00f6vr\u00fcnd\u0259 \u0259m\u0259k f\u0259aliyy\u0259tin\u0259 ba\u015flayan \u015f\u0259xsl\u0259r \u00fc\u00e7\u00fcn \u015f\u0259rtl\u0259r daha a\u011f\u0131rd\u0131r. \u00c7\u00fcnki sovetl\u0259r d\u00f6vr\u00fcnd\u0259 qeyri-formal m\u0259\u015f\u011fulluq olmad\u0131\u011f\u0131 halda son 20 ild\u0259 \u00f6lk\u0259d\u0259 i\u015fl\u0259y\u0259n h\u0259r 2 n\u0259f\u0259rd\u0259n biri qeyri-r\u0259smi \u00e7al\u0131\u015f\u0131r. Bu, o dem\u0259kdir ki, \u0259g\u0259r pensiyaya \u00e7\u0131xmaq \u00fc\u00e7\u00fcn haz\u0131rk\u0131 h\u00fcquqi t\u0259l\u0259bl\u0259r d\u0259yi\u015fm\u0259zs\u0259, nisb\u0259t\u0259n cavan n\u0259sl\u0259 aid insanlar\u0131n h\u0259r 2 n\u0259f\u0259rind\u0259n birinin \u0259m\u0259k pensiyas\u0131 h\u00fcququ qazanmas\u0131 real g\u00f6r\u00fcnm\u00fcr.<\/p>\n\n\n\n

Y\u0131\u011f\u0131m pensiya sistemin\u0259 ke\u00e7id al\u0131nmad\u0131, arada pensiya y\u0131\u011f\u0131mlar\u0131 buxarland\u0131  <\/strong>

2001-ci ild\u0259 ilk, 2014-c\u00fc ild\u0259 2-ci pensiya islahat\u0131 konsepsiyas\u0131, 2009-cu ild\u0259 is\u0259 s\u0131\u011forta-pensiya sisteminin inki\u015faf\u0131na dair d\u00f6vl\u0259t proqram\u0131 q\u0259bul edildi. H\u0259r 3 s\u0259n\u0259dd\u0259 \u00f6lk\u0259d\u0259 y\u0131\u011f\u0131m pensiya elementinin v\u0259 k\u00f6n\u00fcll\u00fc y\u0131\u011f\u0131m komponentinin yarad\u0131lmas\u0131, son 2 s\u0259n\u0259dd\u0259 is\u0259 qeyri-d\u00f6vl\u0259t pensiya fondlar\u0131n\u0131n formala\u015fd\u0131r\u0131lmas\u0131 n\u0259z\u0259rd\u0259 tutulsa da, son 20 ild\u0259 bunlar\u0131n ham\u0131s\u0131 sad\u0259c\u0259 ka\u011f\u0131z \u00fcz\u0259rind\u0259 qald\u0131.<\/p>\n\n\n

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M\u0259nb\u0259: M\u0259rk\u0259zi Bank<\/figcaption><\/figure>\n<\/div>\n\n\n

H\u0259tta 2006-c\u0131 il yanvar\u0131n 1-d\u0259n q\u00fcvv\u0259y\u0259 min\u0259n yeni pensiya qanunu s\u0131\u011forta v\u0259 y\u0131\u011f\u0131m elementind\u0259n ibar\u0259t 2 hiss\u0259li pensiya sisteminin yarad\u0131lmas\u0131n\u0131 n\u0259z\u0259rd\u0259 tuturdu. Qanuna g\u00f6r\u0259, h\u00f6kum\u0259t \u00f6d\u0259n\u0259bil\u0259n s\u0131\u011forta haqlar\u0131ndan hans\u0131 nisb\u0259td\u0259 y\u0131\u011f\u0131m, hans\u0131 nisb\u0259td\u0259 s\u0131\u011forta hesab\u0131na ayr\u0131lmas\u0131 il\u0259 ba\u011fl\u0131 normativ m\u00fc\u0259yy\u0259n etm\u0259li idi. Amma tam 11 il \u2013 2017-ci il\u0259d\u0259k v\u0259t\u0259nda\u015flar y\u0131\u011f\u0131m pensiya sisteminin yolunu g\u00f6zl\u0259s\u0259 d\u0259, h\u00f6kum\u0259t qanunu d\u0259yi\u015fdi v\u0259 y\u0131\u011f\u0131m elementi \u00fc\u00e7\u00fcn m\u0259cburi ay\u0131rmalara ehtiyac olmad\u0131\u011f\u0131n\u0131 b\u0259yan etdi. Qanuna bel\u0259 bir m\u00fcdd\u0259a \u0259lav\u0259 olundu ki, y\u0131\u011f\u0131m k\u00f6n\u00fcll\u00fc olacaq, kim ist\u0259s\u0259 d\u00f6vl\u0259t pensiya fonduna \u00f6d\u0259ni\u015fd\u0259n \u0259lav\u0259 \u00f6z\u0259l fondlara ay\u0131rma ed\u0259 bil\u0259r. O fondlar ki, onlar h\u0259l\u0259 d\u0259 m\u00f6vcud deyil. Y\u0259ni faktiki olaraq \u00f6lk\u0259d\u0259 y\u0131\u011f\u0131m pensiya modeli ka\u011f\u0131z \u00fcz\u0259rind\u0259 qald\u0131.<\/p>\n\n\n\n

Amma h\u0259l\u0259 i\u015fin \u0259n pis t\u0259r\u0259fi bu deyil. \u018fs\u0259s problem odur ki, h\u00f6kum\u0259t y\u0131\u011f\u0131m sisteminin yarad\u0131laca\u011f\u0131n\u0131 v\u0259 h\u0259l\u0259 2 element aras\u0131nda nisb\u0259tin m\u00fc\u0259yy\u0259n edilm\u0259diyini b\u0259han\u0259 ed\u0259r\u0259k 2006-c\u0131 ild\u0259n ba\u015flayaraq i\u015f\u00e7il\u0259rin m\u0259cburi  ay\u0131rmalar\u0131n\u0131n yaln\u0131z 50 faizini d\u00f6vl\u0259t pensiya sistemind\u0259 u\u00e7ota alma\u011fa ba\u015flad\u0131. M\u0259s\u0259l\u0259n, ixtiyari i\u015f\u00e7i 200 manat \u00f6d\u0259yirdis\u0259, onun s\u0131\u011forta hesab\u0131na 100 manat k\u00f6\u00e7\u00fcr\u00fcl\u00fcrd\u00fc. Bu proses tam 11 ild\u0259n \u00e7ox davam etdi v\u0259 h\u00f6kum\u0259t 2017-ci ilin yay\u0131nda qanunu d\u0259yi\u015fdi. Bu d\u0259yi\u015fiklikl\u0259 y\u0131\u011f\u0131m sisteminin m\u0259cburiliyini aradan qald\u0131r\u0131lmas\u0131na, \u0259v\u0259zind\u0259 s\u0131\u011forta \u00f6d\u0259ni\u015fl\u0259rinin 90 faizinin s\u0131\u011forta hesab\u0131nda u\u00e7ota al\u0131nmas\u0131na q\u0259rar verilidi.<\/p>\n\n\n\n

H\u0259min d\u0259yi\u015fiklik insanlar\u0131n u\u00e7ota al\u0131nmayan 50 faizlik sosial ay\u0131rmalar\u0131n\u0131n kompensasiyas\u0131n\u0131 da n\u0259z\u0259rd\u0259 tutdu. H\u0259min m\u00fcdd\u0259aya g\u00f6r\u0259, 1 yanvar 2006-c\u0131 il v\u0259 1 iyul 2017-ci il tarixl\u0259rind\u0259 f\u0259rdi hesab\u0131n s\u0131\u011forta hiss\u0259sind\u0259 toplanan v\u0259 istifad\u0259 olunmam\u0131\u015f pensiya kapital\u0131 80 faiz art\u0131r\u0131ld\u0131. Lakin bu d\u0259yi\u015fiklik m\u0259hz h\u0259min tarixd\u0259n etibar\u0259n pensiya h\u00fcququ qazananlara \u015famil edildi. M\u0259s\u0259l\u0259n, 2015 v\u0259 ya 2016-c\u0131 ild\u0259 pensiyaya \u00e7\u0131xan \u015f\u0259xsl\u0259rin az qala 10 illik \u00f6d\u0259m\u0259l\u0259rinin yar\u0131s\u0131 havaya buxarlanm\u0131\u015f oldu.<\/p>\n\n\n\n

Amma pensiya ekspermentl\u0259ri sad\u0259c\u0259 bunlarla da bitm\u0259di: real olaraq kimin n\u0259 q\u0259d\u0259r qazanmas\u0131ndan as\u0131l\u0131 olmayaraq 2006-c\u0131 il yanvar\u0131n 1-d\u0259k olan d\u00f6vr \u00fc\u00e7\u00fcn ham\u0131ya ucdantutma simvolik pensiya \u00f6d\u0259ni\u015fi m\u00fc\u0259yy\u0259n edildi. H\u0259min mexanizm\u0259 g\u00f6r\u0259, s\u0259n\u0259dl\u0259rl\u0259 s\u00fcbut edil\u0259 bil\u0259n h\u0259r il \u00fc\u00e7\u00fcn 2,1 manat pensiya m\u0259bl\u0259\u011fi m\u00fc\u0259yy\u0259n edilir. M\u0259s\u0259l\u0259n, 2006-c\u0131 il yanvar\u0131n 1-d\u0259k 15 il staj\u0131 olan \u015f\u0259xs \u00fc\u00e7\u00fcn 32 manat pensiya m\u0259bl\u0259\u011fi hesablan\u0131r. B\u0259lk\u0259 d\u0259 a\u015fa\u011f\u0131 maa\u015fa \u00e7al\u0131\u015fanlar \u00fc\u00e7\u00fcn bu mexanizm s\u0259rf\u0259li oldu, amma y\u00fcks\u0259k maa\u015fla \u00e7al\u0131\u015fan xeyli insan\u0131n pensiya \u00f6d\u0259ni\u015fl\u0259ri k\u00fcl\u0259 d\u00f6nd\u00fc.<\/p>\n\n\n

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Lari v\u0259 dollar. Foto: Didebashvili.GEO\/shutterstock<\/figcaption><\/figure>\n<\/div>\n\n\n

Az\u0259rbaycanda yaln\u0131z ka\u011f\u0131z \u00fcz\u0259rind\u0259 v\u0259d olaraq qalan h\u0259m icbari, h\u0259m d\u0259 k\u00f6n\u00fcll\u00fc y\u0131\u011f\u0131m pensiya modelini qon\u015fu G\u00fcrc\u00fcstan q\u0131sa m\u00fcdd\u0259td\u0259 u\u011furla t\u0259tbiq etdi v\u0259 insanlar art\u0131q bu sistemin b\u0259hr\u0259sini g\u00f6rm\u0259y\u0259 ba\u015flay\u0131b. Art\u0131q G\u00fcrc\u00fcstanda h\u0259cmi 2 milyard dollara \u00e7atan y\u0131\u011f\u0131m portfeli var v\u0259 s\u0131\u011forta olunanlar\u0131n say\u0131 1,5 milyon n\u0259f\u0259ri \u00f6t\u00fcr. Qanunvericiliy\u0259 g\u00f6r\u0259, illik \u0259m\u0259k haqq\u0131 t\u0259xmin\u0259n 24 000 larini (9000 dollar) \u00f6tm\u0259y\u0259n i\u015f\u00e7il\u0259r \u00fc\u00e7\u00fcn icbari y\u0131\u011f\u0131m hesab\u0131na 4 faizlik ay\u0131rmadan (2% i\u015f\u0259g\u00f6t\u00fcr\u0259n+2% i\u015f\u00e7i) \u0259lav\u0259 2 faiz d\u0259 d\u00f6vl\u0259t ay\u0131rma edir. Maa\u015f\u0131n illik m\u0259bl\u0259\u011fi 24000-60000 lari interval\u0131nda olduqda, d\u00f6vl\u0259tin ay\u0131rma normativi 1 faiz t\u0259\u015fkil edir.<\/p>\n\n\n\n

R\u0259smi m\u0259lumata g\u00f6r\u0259, 9 min n\u0259f\u0259rd\u0259n art\u0131q insan y\u0131\u011f\u0131m hesablar\u0131ndan istifad\u0259 ed\u0259r\u0259k 30 milyon larid\u0259n art\u0131q v\u0259saiti g\u00f6t\u00fcr\u0259 bilibl\u0259r. Qanunvericiliy\u0259 g\u00f6r\u0259, 40 ya\u015fa \u00e7atd\u0131qdan sonra i\u015f\u00e7il\u0259r\u0259 pensiya fondlar\u0131n\u0131 v\u0259 sisteml\u0259rini se\u00e7m\u0259kd\u0259 m\u00fcst\u0259qillik verilir.

Az\u0259rbaycanda pensiya x\u0259rcl\u0259rinin \u00dcDM-d\u0259 pay\u0131 b\u0259zi Avropa \u00f6lk\u0259l\u0259ri il\u0259 m\u00fcqayis\u0259d\u0259 3 d\u0259f\u0259 azd\u0131r<\/strong><\/p>\n\n\n\n

Az\u0259rbaycanda i\u015fl\u0259y\u0259n v\u0259t\u0259nda\u015flar\u0131n m\u0259cburi pensiya s\u0131\u011forta tarifl\u0259rinin s\u0259viyy\u0259si he\u00e7 d\u0259 ayr\u0131-ayr\u0131 \u00f6lk\u0259l\u0259rl\u0259 m\u00fcqayis\u0259d\u0259 a\u015fa\u011f\u0131 deyil, h\u0259tta bir \u00e7ox \u00f6lk\u0259y\u0259 nisb\u0259t\u0259n daha y\u00fcks\u0259kdir. M\u0259s\u0259l\u0259n, Beyn\u0259lxalq Sosial T\u0259minat Assosiasiyas\u0131n\u0131n \u0259n son m\u0259lumatlar\u0131na \u0259sas\u0259n, icbari pensiya s\u0131\u011forta  tarifi Avstraliyada 9,5 faiz, Avstriyada 22,8 faiz, Bel\u00e7ikada 16,36 faiz, Yaponiyada 21,3 faiz, Estoniyada 22 faiz, Finlandiyada 24,1 faiz, \u00c7exiyada 28 faiz t\u0259\u015fkil edir. M\u0259lum oldu\u011fu kimi, haz\u0131rda Az\u0259rbaycanda muzdlu i\u015f \u00fc\u00e7\u00fcn icbari pensiya s\u0131\u011fortas\u0131 25 faizdir.<\/p>\n\n\n

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\u00dcmumi Daxili M\u0259hsul. Foto: AlexLMX\/shutterstock<\/figcaption><\/figure>\n<\/div>\n\n\n

S\u0131\u011forta tarifl\u0259rinin s\u0259viyy\u0259si aras\u0131nda f\u0259rq olmasa da, pensiyalar\u0131n \u00f6d\u0259nlim\u0259sin\u0259 s\u0259rf olunan v\u0259saitl\u0259rin h\u0259cmi aras\u0131nda f\u0259rq h\u0259dd\u0259n art\u0131q b\u00f6y\u00fckd\u00fcr. Bel\u0259 ki, pensiya x\u0259rcl\u0259rinin \u00dcDM-\u0259 nisb\u0259ti Az\u0259rbaycanda 5 faiz t\u0259\u015fkil etdiyi halda, Avropa \u00f6lk\u0259l\u0259rind\u0259 8-16 faiz interval\u0131nda d\u0259yi\u015fir.<\/p>\n\n\n\n

Pensiya x\u0259rcl\u0259rinin azl\u0131\u011f\u0131n\u0131 pensiyalar\u0131n orta ayl\u0131q m\u0259bl\u0259\u011find\u0259n d\u0259 ayd\u0131n g\u00f6rm\u0259k olur. 2023-c\u00fc ilin sonuna ya\u015fa g\u00f6r\u0259 orta pensiyan\u0131n m\u0259bl\u0259\u011fi 372 manat t\u0259\u015fkil edib. Bu, h\u0259min d\u00f6vr\u0259 \u0259halinin adamba\u015f\u0131na g\u0259lirl\u0259rinin c\u0259mi 58 faizin\u0259 b\u0259rab\u0259r olub. M\u00fcqayis\u0259 \u00fc\u00e7\u00fcn qeyd ed\u0259k ki, bu g\u00f6st\u0259rici \u0130qtisadi \u018fm\u0259kda\u015fl\u0131q v\u0259 \u0130nki\u015faf T\u0259\u015fkilat\u0131na \u00fczv olan \u00f6lk\u0259l\u0259r \u00fczr\u0259 80 faiz \u0259n y\u00fcks\u0259kdir.<\/p>\n\n\n\n

R\u0259smi qurumlar\u0131n 2023-c\u00fc ilin noyabr\u0131nda a\u00e7\u0131qlad\u0131\u011f\u0131 m\u0259lumatda is\u0259 qeyd edilirdi ki, Az\u0259rbaycanda median pensiyan\u0131n m\u0259bl\u0259\u011fi 360 manat t\u0259\u015fkil edir. Bu, o dem\u0259kdir ki, 1.1 milyon n\u0259f\u0259r\u0259 yax\u0131n pensiya\u00e7\u0131n\u0131n tam yar\u0131s\u0131n\u0131n (t\u0259xmin\u0259n 550 min n\u0259f\u0259r) ayl\u0131q pensiya m\u0259bl\u0259\u011fi 360 manatdan daha az olub. \u00d6z n\u00f6vb\u0259sind\u0259, 100 min n\u0259f\u0259rd\u0259n art\u0131q \u015f\u0259xsin minimum m\u0259bl\u0259\u011fd\u0259 (280 manat) pensiya ald\u0131\u011f\u0131 qeyd\u0259 al\u0131nm\u0131\u015fd\u0131.<\/p>\n\n\n\n

Az\u0259rbaycanda x\u00fcsusi \u015f\u0259rtl\u0259rl\u0259 pensiya alan \u015f\u0259xsl\u0259r daha y\u00fcks\u0259k pensiya t\u0259minat\u0131na malik olduqlar\u0131 \u00fc\u00e7\u00fcn orta ayl\u0131q pensiya g\u00f6st\u0259ricisi real m\u0259nz\u0259r\u0259ni t\u0259hrif edir. Bu bax\u0131mdan \u0259n obyektiv g\u00f6st\u0259rici median pensiya m\u0259bl\u0259\u011fidir. T\u0259\u0259ss\u00fcf ki, r\u0259smi statistika h\u0259min g\u00f6st\u0259ricini davaml\u0131 a\u00e7\u0131qlamad\u0131\u011f\u0131 \u00fc\u00e7\u00fcn ill\u0259r \u00fczr\u0259 m\u00fcqayis\u0259 imkan\u0131 da yoxdur. Eyni zamanda, minimum pensiyan\u0131n m\u0259bl\u0259\u011fi v\u0259 onu alanlar\u0131n say\u0131 a\u00e7\u0131qlansa da, y\u00fcks\u0259k pensiya m\u0259bl\u0259\u011fi v\u0259 onu alanlar\u0131n say\u0131, pensiya m\u0259bl\u0259\u011fin\u0259 g\u00f6r\u0259 pensiya\u00e7\u0131lar\u0131n say\u0131 kimi m\u0259lumatlar tam bir d\u00f6vl\u0259t sirri kimi qorunmaqdad\u0131r.<\/p>\n","protected":false},"excerpt":{"rendered":"

Pensiya h\u00fcququ qazana bilm\u0259y\u0259n ya\u015fl\u0131 \u0259halinin say\u0131 s\u00fcr\u0259tl\u0259 art\u0131r Son … <\/p>\n

Davam\u0131<\/a><\/p>\n","protected":false},"author":8,"featured_media":320662,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","footnotes":""},"categories":[51,53,79,56],"tags":[],"class_list":["post-320642","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-analitika","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\u0259rbaycan\u0131n pensiya sistemind\u0259 20 il davam ed\u0259n eksperimentl\u0259r - MEYDAN.TV<\/title>\n<meta name=\"description\" content=\"Proses t\u0259dric\u0259n apar\u0131l\u0131b: fasil\u0259l\u0259rl\u0259 pensiya ya\u015f\u0131, pensiyaya \u00e7\u0131xmaq \u00fc\u00e7\u00fcn t\u0259l\u0259b olunan \u0259m\u0259k f\u0259aliyy\u0259ti ill\u0259rinin say\u0131 art\u0131r\u0131l\u0131b.\" \/>\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\/azerbaycanin-pensiya-sisteminde-20-il-davam-eden-eksperimentler\/\" \/>\n<meta property=\"og:locale\" content=\"az_AZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Az\u0259rbaycan\u0131n pensiya sistemind\u0259 20 il davam ed\u0259n eksperimentl\u0259r - 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