{"id":334471,"date":"2025-08-25T18:59:36","date_gmt":"2025-08-25T14:59:36","guid":{"rendered":"https:\/\/www.meydan.tv\/?p=334471"},"modified":"2025-08-25T18:59:39","modified_gmt":"2025-08-25T14:59:39","slug":"ticar%c9%99t-m%c9%99rk%c9%99zl%c9%99rind%c9%99-yanginlar-artir-sahibkarlar-is%c9%99-sigortasiz-qalir","status":"publish","type":"post","link":"https:\/\/www.meydan.tv\/az\/article\/ticar%c9%99t-m%c9%99rk%c9%99zl%c9%99rind%c9%99-yanginlar-artir-sahibkarlar-is%c9%99-sigortasiz-qalir\/","title":{"rendered":"Ticar\u0259t m\u0259rk\u0259zl\u0259rind\u0259 yan\u011f\u0131nlar art\u0131r, sahibkarlar is\u0259 s\u0131\u011fortas\u0131z qal\u0131r"},"content":{"rendered":"\n

Az\u0259rbaycan\u0131n ticar\u0259t m\u0259rk\u0259zl\u0259rind\u0259 ba\u015f ver\u0259n yan\u011f\u0131n v\u0259 dig\u0259r f\u00f6vq\u0259lad\u0259 hallar zaman\u0131 icar\u0259darlar\u0131n v\u0259 obyektl\u0259rin s\u0131\u011fortas\u0131z qalmas\u0131 il\u0259 ba\u011fl\u0131 m\u0259tbuatda d\u0259f\u0259l\u0259rl\u0259 x\u0259b\u0259rl\u0259r yer al\u0131b. Son olaraq, \u201cS\u0259d\u0259r\u0259k\u201d ticar\u0259t m\u0259rk\u0259zind\u0259 oyuncaq anbarlar\u0131nda ba\u015f ver\u0259n yan\u011f\u0131n iri ticar\u0259t m\u0259rk\u0259zl\u0259rind\u0259 t\u0259hl\u00fck\u0259sizlik m\u0259s\u0259l\u0259l\u0259rini yenid\u0259n g\u00fcnd\u0259m\u0259 g\u0259tirib.<\/p>\n\n\n\n

\u00dcmumiyy\u0259tl\u0259, \u201cS\u0259d\u0259r\u0259k\u201d TM-d\u0259 icar\u0259darlar bundan \u0259vv\u0259l d\u0259 texniki t\u0259hl\u00fck\u0259sizlik v\u0259 s\u0131\u011forta il\u0259 ba\u011fl\u0131 naraz\u0131l\u0131qlar\u0131n\u0131 bildiribl\u0259r. Son bir ild\u0259 ad\u0131\u00e7\u0259kil\u0259n ticar\u0259t m\u0259rk\u0259zind\u0259 iki, \u201cBin\u0259\u201d ticar\u0259t m\u0259rk\u0259zind\u0259 is\u0259 bir d\u0259f\u0259 yan\u011f\u0131n ba\u015f verib. Bundan \u0259lav\u0259, son ild\u0259 Sumqay\u0131t v\u0259 Sabirabadda da iri ticar\u0259t m\u0259rk\u0259zl\u0259rinin yanmas\u0131n\u0131n \u015fahidi olmu\u015fuq. H\u0259r yan\u011f\u0131ndan sonra sahibkarlar onlara d\u0259ymi\u015f z\u0259r\u0259rd\u0259n v\u0259 ticar\u0259t m\u0259rk\u0259zinin r\u0259hb\u0259rliyi t\u0259r\u0259find\u0259n h\u0259r hans\u0131 kompensasiya ala bilm\u0259dikl\u0259rind\u0259n \u015fikay\u0259t edirl\u0259r. Halbuki, sahibkarlar bu c\u00fcr al\u0131\u015f-veri\u015f m\u0259rk\u0259zl\u0259rin\u0259 icar\u0259 v\u0259 dig\u0259r \u00f6d\u0259ni\u015fl\u0259r edirl\u0259r. Bel\u0259 olan halda, niy\u0259 texniki t\u0259hl\u00fck\u0259sizlik m\u0259s\u0259l\u0259l\u0259rin\u0259 g\u00f6r\u0259 ticar\u0259t m\u0259rk\u0259zl\u0259rinin r\u0259hb\u0259rlikl\u0259ri m\u0259suliyy\u0259t da\u015f\u0131m\u0131r?<\/p>\n\n\n\n

Dig\u0259r t\u0259r\u0259fd\u0259n, sahibkarlar mallar\u0131n\u0131n t\u0259hl\u00fck\u0259sizliyini t\u0259min etm\u0259k \u00fc\u00e7\u00fcn k\u00f6n\u00fcll\u00fc s\u0131\u011forta etdirm\u0259k ist\u0259s\u0259l\u0259r d\u0259, s\u0131\u011forta \u015firk\u0259tl\u0259ri bundan imtina edirl\u0259r.<\/p>\n\n\n\n

Sahibkarlar \u0259mlak\u0131n\u0131 niy\u0259 qoruya bilmir?<\/strong><\/h4>\n\n\n\n

Qanunvericiliy\u0259 \u0259sas\u0259n, 2020-ci ild\u0259n etibar\u0259n da\u015f\u0131nmaz \u0259mlak\u0131n icbari s\u0131\u011fortas\u0131 t\u0259tbiq olunma\u011fa ba\u015flan\u0131l\u0131b. Bu t\u0259l\u0259b h\u0259m fiziki, h\u0259m d\u0259 h\u00fcquqi \u015f\u0259xsl\u0259r\u0259 m\u0259xsus tikilil\u0259r\u0259 \u015famil edilir. M\u00fc\u0259yy\u0259n edil\u0259n s\u0131\u011forta m\u0259bl\u0259\u011fi Bak\u0131 \u00fc\u00e7\u00fcn 25 min manat, G\u0259nc\u0259\u2013Sumqay\u0131t\u2013Nax\u00e7\u0131van \u00fczr\u0259 20 min manat, dig\u0259r ya\u015fay\u0131\u015f m\u0259nt\u0259q\u0259l\u0259ri \u00fc\u00e7\u00fcn is\u0259 15 min manatd\u0131r. \u0130cbari s\u0131\u011forta haqq\u0131 is\u0259 m\u00fcvafiq olaraq Bak\u0131 \u015f\u0259h\u0259rind\u0259 50 manat, G\u0259nc\u0259, Sumqay\u0131t v\u0259 Nax\u00e7\u0131vanda 40 manat, dig\u0259r ya\u015fay\u0131\u015f m\u0259nt\u0259q\u0259l\u0259rind\u0259 is\u0259 30 manat t\u0259\u015fkil edir.<\/p>\n\n\n\n

Da\u015f\u0131nmaz \u0259mlak\u0131n icbari s\u0131\u011fortas\u0131 yan\u011f\u0131n riskl\u0259rini d\u0259 \u0259hat\u0259 edir. Qanuna g\u00f6r\u0259, da\u015f\u0131nmaz \u0259mlak\u0131n s\u0131\u011forta olunmamas\u0131 cinay\u0259t v\u0259 inzibati m\u0259suliyy\u0259t yarada bil\u0259r. Amma praktika g\u00f6st\u0259rir ki, bu t\u0259l\u0259bin icras\u0131na n\u0259zar\u0259t z\u0259ifdir. X\u00fcsusil\u0259 sahibkarl\u0131q subyektl\u0259ri v\u0259 iri ticar\u0259t m\u0259rk\u0259zl\u0259ri \u00e7ox vaxt icbari s\u0131\u011fortadan yay\u0131n\u0131r.<\/p>\n\n\n\n

M\u0259rk\u0259zi Bank\u0131n cari ilin yanvar-iyun aylar\u0131 \u00fczr\u0259 statistik b\u00fclletenin\u0259 g\u00f6r\u0259, da\u015f\u0131nmaz \u0259mlak\u0131n icbari s\u0131\u011fortas\u0131 \u00fczr\u0259 y\u0131\u011f\u0131m c\u0259mi 56,6 milyon manat, \u00f6d\u0259ni\u015fl\u0259r is\u0259 1,3 milyon manat olub. \u0130cbari S\u0131\u011forta B\u00fcrosunun m\u0259lumat\u0131na g\u00f6r\u0259 is\u0259 \u00f6t\u0259n il 640 hadis\u0259 \u00fczr\u0259 c\u0259mi 1,8 milyon manat \u00f6d\u0259ni\u015f h\u0259yata ke\u00e7irilib. Bu r\u0259q\u0259ml\u0259r g\u00f6st\u0259rir ki, y\u0131\u011f\u0131m v\u0259 \u00f6d\u0259ni\u015fl\u0259rin h\u0259cmi \u00f6lk\u0259d\u0259ki da\u015f\u0131nmaz \u0259mlak fondunun h\u0259cmi il\u0259 m\u00fcqayis\u0259d\u0259 \u00e7ox a\u015fa\u011f\u0131d\u0131r.<\/p>\n\n\n\n

\u00dcmumilikd\u0259 s\u0131\u011forta bazar\u0131nda \u201c\u0259mlak\u0131n yan\u011f\u0131ndan v\u0259 dig\u0259r riskl\u0259rd\u0259n s\u0131\u011fortas\u0131\u201d n\u00f6v\u00fc \u00fczr\u0259 aktivlik d\u0259 m\u0259hduddur. 2025-ci ilin yanvar-iyun aylar\u0131nda bu n\u00f6v \u00fczr\u0259 39,1 milyon manat y\u0131\u011f\u0131m, 1,5 milyon manat is\u0259 \u00f6d\u0259ni\u015f h\u0259yata ke\u00e7irilib. Bu, \u00fcmumi bazar y\u0131\u011f\u0131mlar\u0131n\u0131n c\u0259mi 4,8 faizini t\u0259\u015fkil edir. 2024-c\u00fc ilin yekununda is\u0259 y\u0131\u011f\u0131mlar 88,9 milyon manat, \u00f6d\u0259ni\u015fl\u0259r is\u0259 3,7 milyon manat olub ki, bu da bazar\u0131n 6-7 faizind\u0259n \u00e7ox deyil. Bu g\u00f6st\u0259ricil\u0259r iri obyektl\u0259rd\u0259 yan\u011f\u0131n riskl\u0259rinin h\u0259l\u0259 d\u0259 geni\u015f \u015f\u0259kild\u0259 \u0259hat\u0259l\u0259nm\u0259diyini g\u00f6st\u0259rir.<\/p>\n\n\n\n

Ekspertl\u0259r iri ticar\u0259t m\u0259rk\u0259zl\u0259rinin icbari \u0259mlak s\u0131\u011fortas\u0131na c\u0259lb olunmamas\u0131n\u0131 a\u015fa\u011f\u0131 limitl\u0259 izah edirl\u0259r. \u00c7\u00fcnki m\u00f6vcud icbari t\u0259minat\u0131n sabit m\u0259bl\u0259\u011finin 15-25 min manat t\u0259\u015fkil etm\u0259si iri ticar\u0259t m\u0259rk\u0259zl\u0259rind\u0259 f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n sahibkarlar\u0131n mallar\u0131n\u0131n v\u0259 \u0259mlak\u0131n\u0131n d\u0259y\u0259rin\u0259 nisb\u0259t\u0259n a\u015fa\u011f\u0131 hesab olunur. N\u0259tic\u0259d\u0259, icbari s\u0131\u011forta yaln\u0131z formal xarakter da\u015f\u0131y\u0131r v\u0259 real kompensasiya mexanizmi kimi i\u015fl\u0259mir.<\/p>\n\n\n\n

K\u00f6n\u00fcll\u00fc \u0259mlak (yan\u011f\u0131n v\u0259 dig\u0259r riskl\u0259rl\u0259 ba\u011fl\u0131 ) s\u0131\u011forta bazar\u0131n\u0131n inki\u015faf\u0131 \u00fc\u00e7\u00fcn is\u0259 n\u0259 d\u00f6vl\u0259t qurumlar\u0131, n\u0259 d\u0259 ticar\u0259t m\u0259rk\u0259zl\u0259rinin r\u0259hb\u0259rl\u0259ri t\u0259r\u0259find\u0259n sahibkarlara z\u0259man\u0259t veril\u0259c\u0259k add\u0131mlar at\u0131r. Texniki t\u0259hl\u00fck\u0259sizlik m\u0259s\u0259l\u0259l\u0259rind\u0259ki qeyri-\u015f\u0259ffafl\u0131q da bu bazarda riskl\u0259rin h\u0259r t\u0259r\u0259fli artmas\u0131na s\u0259b\u0259b olur.<\/p>\n\n\n\n

\u0130qtisad\u00e7\u0131 ekspert Xalid K\u0259rimli Meydan TV-y\u0259 a\u00e7\u0131qlamas\u0131nda bildirib ki, burada \u0259sas problem sahibkarlar t\u0259r\u0259find\u0259n i\u015fl\u0259rin t\u0259hl\u00fck\u0259sizlik qaydalar\u0131na uy\u011fun qurulmamas\u0131d\u0131r:

\u201cMal-material ehtiyatlar\u0131n\u0131n saxlanmas\u0131, anbar yerl\u0259rinin t\u0259\u015fkili, elektrik x\u0259tl\u0259rinin \u00e7\u0259kili\u015fi v\u0259 dig\u0259r m\u0259s\u0259l\u0259l\u0259rd\u0259 texniki t\u0259hl\u00fck\u0259sizlik meyarlar\u0131na \u00e7ox vaxt \u0259m\u0259l edilmir. Sahibkarlar buna diqq\u0259t yetirmir, h\u00f6kum\u0259tin m\u00fcvafiq qurumlar\u0131 is\u0259 \u00e7ox vaxt g\u00f6z yumur. N\u0259tic\u0259d\u0259 bel\u0259 yan\u011f\u0131nlar ba\u015f verir v\u0259 sahibkarlar b\u00f6y\u00fck z\u0259r\u0259rl\u0259rl\u0259 \u00fczl\u0259\u015firl\u0259r. \u0130\u015f t\u0259hl\u00fck\u0259sizlik standartlar\u0131na uy\u011fun qurulmad\u0131\u011f\u0131na g\u00f6r\u0259 s\u0131\u011forta \u015firk\u0259tl\u0259ri d\u0259 riskl\u0259ri \u00f6z \u00fcz\u0259rin\u0259 g\u00f6t\u00fcrm\u0259k ist\u0259mir. S\u0131\u011forta yaln\u0131z ehtimal olunan riskl\u0259r \u00fc\u00e7\u00fcn t\u0259tbiq edilir. M\u0259s\u0259l\u0259n, v\u0259t\u0259nda\u015f\u0131n xroniki x\u0259st\u0259liyi varsa, s\u0131\u011fortalanm\u0131r. El\u0259 hadis\u0259l\u0259r s\u0131\u011fortalan\u0131r ki, o ehtimal oluna bil\u0259r v\u0259 ya onun ba\u015f verm\u0259sinin riski o q\u0259d\u0259r y\u00fcks\u0259k deyil. Risk y\u00fcks\u0259k olduqda s\u0131\u011forta haqq\u0131 da bahala\u015f\u0131r\u201d.<\/em><\/p>\n\n\n\n

Ekspertin s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, \u201cS\u0259d\u0259r\u0259k\u201d kimi iri ticar\u0259t m\u0259rk\u0259zl\u0259rind\u0259 yan\u011f\u0131n \u0259leyhin\u0259 t\u0259dbirl\u0259rin laz\u0131mi s\u0259viyy\u0259d\u0259 g\u00f6r\u00fclm\u0259si sual alt\u0131ndad\u0131r: <\/p>\n\n\n\n

\u201cOla bil\u0259r ki, ilk d\u00f6vrl\u0259rd\u0259 h\u0259r \u015fey qaydas\u0131nda olub, lakin texniki t\u0259hl\u00fck\u0259sizlik t\u0259dbirl\u0259ri daim n\u0259zar\u0259td\u0259 saxlan\u0131lmal\u0131d\u0131r. Sahibkarlar\u0131n t\u0259hl\u00fck\u0259sizlik qaydalar\u0131na nec\u0259 riay\u0259t etm\u0259si, bu sah\u0259d\u0259 bilikl\u0259rinin v\u0259 ya i\u015f\u00e7il\u0259rin olub-olmamas\u0131, \u00fcmumi n\u0259zar\u0259tin nec\u0259 apar\u0131lmas\u0131 sual alt\u0131ndad\u0131r. Bu s\u0259b\u0259bd\u0259n d\u0259 s\u0131\u011forta\u00e7\u0131 b\u00fct\u00fcn riskl\u0259ri \u00f6z \u00fcz\u0259rin\u0259 g\u00f6t\u00fcrm\u0259k ist\u0259mir. \u018fg\u0259r g\u00f6t\u00fcrs\u0259l\u0259r bel\u0259, riskl\u0259r y\u00fcks\u0259k oldu\u011funa g\u00f6r\u0259 s\u0131\u011forta haqlar\u0131 baha \u00e7\u0131x\u0131r ki, bu da sahibkarlara s\u0259rf etmir\u201d.<\/em><\/p>\n\n\n\n

Xalid K\u0259rimlinin fikrinc\u0259, s\u0131\u011forta bazar\u0131n\u0131n ki\u00e7ik olmas\u0131n\u0131n dig\u0259r s\u0259b\u0259bi sahibkarlar\u0131n bu sah\u0259y\u0259 inam\u0131n\u0131n a\u015fa\u011f\u0131 olmas\u0131d\u0131r:

\u201cAz\u0259rbaycanda sahibkarlar\u0131n s\u0131\u011forta bazar\u0131na m\u00fcnasib\u0259ti yax\u015f\u0131 deyil. Bu h\u0259m d\u0259 onlar\u0131n \u0259vv\u0259lki t\u0259cr\u00fcb\u0259l\u0259rin\u0259 \u0259saslan\u0131r ki, s\u0131\u011forta hadis\u0259si ba\u015f ver\u0259rk\u0259n \u00e7ox vaxt \u0259dal\u0259tli m\u00fcnasib\u0259tl\u0259 qar\u015f\u0131la\u015fmay\u0131blar. \u00a0Etibar\u0131n, inam\u0131n yarad\u0131lmas\u0131 bu sah\u0259d\u0259 requlyator olan M\u0259rk\u0259zi Bank\u0131n \u00f6hd\u0259liyin\u0259 d\u00fc\u015f\u00fcr. Bu da t\u0259bii ki, s\u0131\u011forta m\u0259s\u0259l\u0259l\u0259rinin d\u00fczg\u00fcn izah\u0131ndan, maarifl\u0259nm\u0259d\u0259n, s\u0131\u011forta hadis\u0259si ba\u015f ver\u0259rk\u0259n s\u0131\u011forta haqq\u0131n\u0131n d\u00fczg\u00fcn \u00f6d\u0259nilm\u0259sind\u0259n, \u015f\u0259ffaf v\u0259 do\u011fru idar\u0259etm\u0259d\u0259n as\u0131l\u0131 olacaq. Biz s\u0131\u011forta \u015firk\u0259tl\u0259rini m\u0259cbur ed\u0259 bilm\u0259rik, \u00e7\u00fcnki onlar da sahibkard\u0131r. Sahibkarlar v\u0259 s\u0131\u011forta \u015firk\u0259tl\u0259ri qar\u015f\u0131l\u0131ql\u0131 \u015f\u0259kild\u0259 i\u015fl\u0259m\u0259lidirl\u0259r\u201d.<\/em><\/p>\n\n\n\n

Ekspert h\u0259m\u00e7inin qeyd edib ki, mal-materiallar\u0131n s\u0131\u011fortalanmas\u0131 s\u0131\u011forta \u015firk\u0259tl\u0259ri \u00fc\u00e7\u00fcn arzuolunan deyil: <\/p>\n\n\n\n

\u201c\u00c7\u00fcnki mallar daim h\u0259r\u0259k\u0259td\u0259 olur, d\u0259yi\u015fir v\u0259 bu, riskl\u0259ri art\u0131r\u0131r. N\u0259z\u0259ri c\u0259h\u0259td\u0259n s\u0131\u011fortalanmas\u0131 m\u00fcmk\u00fcnd\u00fcr, amma \u015firk\u0259tl\u0259r k\u00f6n\u00fcll\u00fc \u015f\u0259kild\u0259 buna maraq g\u00f6st\u0259rmirl\u0259r. Sahibkarlar da y\u00fcks\u0259k qiym\u0259tli s\u0131\u011fortaya getmirl\u0259r\u201d.<\/em><\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

Az\u0259rbaycan\u0131n ticar\u0259t m\u0259rk\u0259zl\u0259rind\u0259 ba\u015f ver\u0259n yan\u011f\u0131n v\u0259 dig\u0259r f\u00f6vq\u0259lad\u0259 hallar … <\/p>\n

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