{"id":20390,"date":"2025-11-02T15:54:42","date_gmt":"2025-11-02T15:54:42","guid":{"rendered":"https:\/\/millitv.net\/?p=20390"},"modified":"2025-11-02T15:54:45","modified_gmt":"2025-11-02T15:54:45","slug":"az%C9%99rbaycanda-pensiya-il%C9%99-bagli-yenilik-sistem-d%C9%99yisir","status":"publish","type":"post","link":"https:\/\/millitv.net\/?p=20390","title":{"rendered":"Az\u0259rbaycanda pensiya il\u0259 ba\u011fl\u0131 YEN\u0130L\u0130K &#8211; Sistem d\u0259yi\u015fir?"},"content":{"rendered":"\n<p><strong>Az\u0259rbaycanda v\u0259t\u0259nda\u015flar\u0131 narahat ed\u0259n \u0259sas probleml\u0259rd\u0259n biri y\u0131\u011f\u0131lan pensiya kapital\u0131n\u0131n pensiya ya\u015f\u0131na \u00e7atmadan g\u00f6t\u00fcr\u00fcl\u0259 bilm\u0259m\u0259sidir. \u018fhali aras\u0131nda apar\u0131lan sor\u011fular g\u00f6st\u0259rir ki, sistemd\u0259n m\u0259mnun olmayanlar\u0131n say\u0131 az deyil. \u0130nsanlar ill\u0259rl\u0259 i\u015fl\u0259yib \u0259m\u0259khaqq\u0131ndan d\u00f6vl\u0259t sosial m\u00fcdafi\u0259 fonduna m\u0259cburi sosial s\u0131\u011forta haqq\u0131 \u00f6d\u0259s\u0259l\u0259r d\u0259, pensiya ya\u015f\u0131na \u00e7atd\u0131qda ald\u0131qlar\u0131 pensiya onlar\u0131n g\u00f6zl\u0259ntil\u0259rini \u00f6d\u0259mir. Bundan \u0259lav\u0259, v\u0259t\u0259nda\u015f d\u00fcnyas\u0131n\u0131 d\u0259yi\u015fdikd\u0259 toplad\u0131\u011f\u0131 pensiya kapital\u0131n\u0131n d\u00f6vl\u0259t hesab\u0131na ke\u00e7irilm\u0259si fakt\u0131 da geni\u015f narahatl\u0131q yarad\u0131r.<\/strong><\/p>\n\n\n\n<p>Bir \u00e7ox \u00f6lk\u0259 t\u0259cr\u00fcb\u0259sind\u0259 v\u0259t\u0259nda\u015flar m\u00fc\u0259yy\u0259n \u015f\u0259rtl\u0259r daxilind\u0259 pensiya kapital\u0131n\u0131n bir hiss\u0259sini ist\u0259dikl\u0259ri vaxt g\u00f6t\u00fcr\u0259 bilirl\u0259r. M\u0259s\u0259l\u0259n, b\u0259zi sisteml\u0259rd\u0259 erk\u0259n \u00e7\u0131xar\u0131\u015f, m\u00fc\u0259yy\u0259n ya\u015fa \u00e7atd\u0131qdan sonra hiss\u0259-hiss\u0259 \u00e7\u0259kilm\u0259 v\u0259 ya v\u0259fat hal\u0131nda y\u0131\u011f\u0131lan kapital\u0131n v\u0259r\u0259s\u0259l\u0259r\u0259 verilm\u0259si praktikas\u0131 m\u00f6vcuddur. Sinqapur kimi \u00f6lk\u0259l\u0259rd\u0259 is\u0259 v\u0259fat etmi\u015f \u015f\u0259xsin y\u0131\u011f\u0131lan kapital\u0131 v\u0259r\u0259s\u0259l\u0259rin\u0259 \u00f6t\u00fcr\u00fcl\u00fcr ki, yax\u0131nlar\u0131n\u0131n sosial t\u0259minat\u0131 pozulmas\u0131n.<\/p>\n\n\n\n<p>Haz\u0131rda Az\u0259rbaycanda yaln\u0131z a\u015fa\u011f\u0131dak\u0131 hallarda d\u00fcnyas\u0131n\u0131 d\u0259yi\u015f\u0259n \u015f\u0259xsin y\u0131\u011f\u0131lan pensiya kapital\u0131 v\u0259r\u0259s\u0259l\u0259r\u0259 \u00f6d\u0259nilir: 18 ya\u015f\u0131nad\u0259k (\u0259yani t\u0259hsil alanlar \u00fc\u00e7\u00fcn 23 ya\u015fad\u0259k) u\u015faqlar; m\u00fc\u0259yy\u0259n edilmi\u015f \u0259lilliyi olan \u00f6vladlar; pensiya ya\u015f\u0131na \u00e7atm\u0131\u015f v\u0259 ya y\u00fcks\u0259k d\u0259r\u0259c\u0259li \u0259lilliyi m\u00fc\u0259yy\u0259n edilmi\u015f valideyn, h\u0259yat yolda\u015f\u0131; 8 ya\u015fdan ki\u00e7ik u\u015faqlara v\u0259 i\u015fl\u0259m\u0259y\u0259n ail\u0259 \u00fczvl\u0259rin\u0259 baxan \u015f\u0259xs itirildikd\u0259 \u0259m\u0259k pensiyas\u0131 t\u0259yin olunmas\u0131. \u018fg\u0259r bu kateqoriyalar daxilind\u0259 deyils\u0259, qanunvericilikd\u0259 ba\u015fqa mexanizml\u0259r n\u0259z\u0259rd\u0259 tutulmay\u0131b.<\/p>\n\n\n\n<p><strong>Bu m\u0259s\u0259l\u0259 Milli M\u0259clisd\u0259 art\u0131q m\u00fczakir\u0259 olunur v\u0259 y\u0131\u011f\u0131lm\u0131\u015f pensiya kapital\u0131n\u0131n v\u0259r\u0259s\u0259l\u0259r\u0259 verilm\u0259si il\u0259 ba\u011fl\u0131 t\u0259klifl\u0259r m\u00fczakir\u0259 m\u0259rh\u0259l\u0259sind\u0259dir. \u018fsas sual is\u0259 budur: bel\u0259 bir islahat n\u0259 d\u0259r\u0259c\u0259d\u0259 m\u00fcmk\u00fcnd\u00fcr v\u0259 onun praktiki, maliyy\u0259 v\u0259 sosial n\u0259tic\u0259l\u0259ri nec\u0259 olacaq?<\/strong><\/p>\n\n\n\n<p>M\u00f6vzu il\u0259 ba\u011fl\u0131 iqtisad\u00e7\u0131 alim&nbsp;<strong>V\u00fcsal\u0259 \u018fhm\u0259dova Musavat.com<\/strong>-a dan\u0131\u015f\u0131b.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/cdn.musavat.com\/news\/images\/Gugu\/f3cfa3699f9e420bb6a67b51f6531334.jpg\" alt=\"\" title=\"\"><\/figure>\n\n\n\n<p><strong>O deyib ki, pensiya kapital\u0131 v\u0259t\u0259nda\u015f\u0131n \u0259m\u0259k f\u0259aliyy\u0259ti d\u00f6vr\u00fcnd\u0259 qazand\u0131\u011f\u0131 v\u0259 onun ad\u0131na y\u0131\u011f\u0131lan v\u0259saitdir:<\/strong><\/p>\n\n\n\n<p>&#8220;\u018fg\u0259r v\u0259t\u0259nda\u015f bu kapital\u0131 \u00f6z\u00fc qazan\u0131bsa, o zaman bu v\u0259sait \u00fcz\u0259rind\u0259&nbsp;tam m\u00fclkiyy\u0259t h\u00fcququna malikdir. N\u0259y\u0259 g\u00f6r\u0259 v\u0259t\u0259nda\u015f pensiya ya\u015f\u0131na \u00e7atmadan d\u00fcnyas\u0131n\u0131 d\u0259yi\u015fdikd\u0259, y\u0131\u011f\u0131lan kapital&nbsp;d\u00f6vl\u0259t\u0259 ke\u00e7ir, varisl\u0259rin\u0259 \u00f6d\u0259nilmir? D\u00fc\u015f\u00fcn\u00fcr\u0259m ki, bu, Az\u0259rbaycan Respublikas\u0131&nbsp;Konstitusiyas\u0131 il\u0259 t\u0259sbit olunmu\u015f m\u00fclkiyy\u0259t h\u00fcququ&nbsp;prinsipl\u0259ri il\u0259 ziddiyy\u0259t t\u0259\u015fkil edir. \u015e\u0259xsi g\u0259lird\u0259n toplanan kapital d\u00f6vl\u0259tin deyil, v\u0259t\u0259nda\u015f\u0131n m\u00fclk\u00fc say\u0131lmal\u0131d\u0131r. S\u0259n \u00f6mr\u00fcn boyu i\u015fl\u0259yib d\u00f6vl\u0259t\u0259 \u00f6d\u0259ni\u015f edirs\u0259n, amma sonda bu pulu \u00f6z\u00fcn v\u0259 ya ail\u0259n ala bilmir. Bu, v\u0259t\u0259nda\u015flar\u0131n sosial s\u0131\u011forta v\u0259 pensiya sistemin\u0259&nbsp;etimad\u0131n\u0131 azald\u0131r.&nbsp;N\u0259tic\u0259d\u0259 d\u0259,&nbsp;qeyri-r\u0259smi i\u015fl\u0259rl\u0259 m\u0259\u015f\u011fulluq, h\u0259m\u00e7inin, sosial \u00f6d\u0259ni\u015fl\u0259rd\u0259n yay\u0131nmalar \u00e7oxal\u0131r,&nbsp;k\u00f6lg\u0259 iqtisadiyyat\u0131&nbsp;g\u00fccl\u0259nir. \u018fksin\u0259, v\u0259t\u0259nda\u015f&nbsp;bu kapital\u0131 \u015f\u0259xsi bank hesab\u0131nda saxlasa v\u0259 ya k\u00f6n\u00fcll\u00fc pensiya fonduna y\u00f6n\u0259lts\u0259 ya da ba\u015fqa bir formada investisiya ets\u0259, h\u0259m&nbsp;kapital bazar\u0131n\u0131 inki\u015faf etdirmi\u015f olar, h\u0259m d\u0259 g\u0259l\u0259c\u0259k g\u0259lirini art\u0131rar. Haz\u0131rk\u0131 sistemd\u0259 bu v\u0259sait yaln\u0131z d\u00f6vl\u0259tin xeyrin\u0259&nbsp;v\u0259 qeyri-\u015f\u0259ffaf \u015f\u0259kild\u0259 idar\u0259 olunur. V\u0259t\u0259nda\u015f pensiya ya\u015f\u0131na \u00e7atmadan d\u00fcnyas\u0131n\u0131 d\u0259yi\u015fdikd\u0259, onun ail\u0259si faktiki olaraq&nbsp;sosial \u0259dal\u0259tsizlikl\u0259&nbsp;\u00fczl\u0259\u015fir. X\u00fcsus\u0259n d\u0259&nbsp;a\u015fa\u011f\u0131 g\u0259lirli ail\u0259l\u0259r \u00fc\u00e7\u00fcn&nbsp;bu \u0259dal\u0259tsiz bir n\u0259tic\u0259dir, \u00e7\u00fcnki, h\u0259min ail\u0259 h\u0259m qazanc\u0131n\u0131, h\u0259m d\u0259 g\u0259l\u0259c\u0259k sosial t\u0259minat\u0131n\u0131 itirmi\u015f olur&#8221;.<\/p>\n\n\n\n<p><strong>\u0130qtisad\u00e7\u0131 alim qeyd edib ki, bir \u00e7ox \u00f6lk\u0259l\u0259rd\u0259 f\u0259rdi pensiya hesablar\u0131nda toplanan kapital \u015f\u0259xs t\u0259r\u0259find\u0259n izl\u0259nil\u0259 bilir, m\u00fc\u0259yy\u0259n hallarda&nbsp;vaxt\u0131ndan \u0259vv\u0259l g\u00f6t\u00fcr\u00fcl\u0259 bilir, \u015f\u0259xs v\u0259fat etdikd\u0259&nbsp;varisl\u0259rin\u0259 \u00f6t\u00fcr\u00fcl\u00fcr:<\/strong><\/p>\n\n\n\n<p>&#8220;Az\u0259rbaycan modeli&nbsp;daha s\u0259rt v\u0259 m\u0259rk\u0259zl\u0259\u015fdirilmi\u015f&nbsp;xarakter da\u015f\u0131y\u0131r, bu s\u0259b\u0259bd\u0259n islahatlar\u0131n apar\u0131lmas\u0131 m\u00fctl\u0259qdir.<\/p>\n\n\n\n<p>V\u0259t\u0259nda\u015f\u0131n ad\u0131na hesablanm\u0131\u015f pensiya kapital\u0131&nbsp;\u0259slind\u0259 onun \u015f\u0259xsi aktividir.&nbsp;Bilirik ki,&nbsp;\u018fm\u0259k v\u0259 \u018fhalinin Sosial M\u00fcdafi\u0259si Nazirliyinin v\u0259 D\u00f6vl\u0259t Sosial M\u00fcdafi\u0259 Fondunun sistemind\u0259 h\u0259r v\u0259t\u0259nda\u015f \u00fc\u00e7\u00fcn f\u0259rdi hesab m\u00f6vcuddur.&nbsp;Yaln\u0131z, \u201cSosial s\u0131\u011forta haqq\u0131nda\u201d v\u0259 \u201c\u018fm\u0259k pensiyalar\u0131 haqq\u0131nda\u201d&nbsp;qanunlara d\u00fcz\u0259li\u015f edilm\u0259kl\u0259, v\u0259fat hal\u0131 ba\u015f ver\u0259rs\u0259 pensiya kapital\u0131n\u0131n&nbsp;varis\u0259 \u00f6t\u00fcr\u00fclm\u0259si mexanizmi&nbsp;asanl\u0131qla icra oluna bil\u0259r. Bu halda, D\u00f6vl\u0259t Sosial M\u00fcdafi\u0259 Fondu \u00fc\u00e7\u00fcn&nbsp;x\u0259rcl\u0259rin m\u00fc\u0259yy\u0259n q\u0259d\u0259r art\u0131m\u0131&nbsp;g\u00f6zl\u0259nil\u0259ndir, \u00e7\u00fcnki v\u0259t\u0259nda\u015f\u0131n kapital\u0131 art\u0131q d\u00f6vl\u0259t\u0259 deyil, varis\u0259 veril\u0259c\u0259k. Lakin bu art\u0131m&nbsp;nisbidir, \u00e7\u00fcnki h\u0259r il v\u0259fat ed\u0259nl\u0259rin say\u0131 \u00fcmumi y\u0131\u011f\u0131m sistemind\u0259 \u00e7ox b\u00f6y\u00fck paya malik deyil. V\u0259fat etmi\u015fl\u0259rin hesablar\u0131nda y\u0131\u011f\u0131lan v\u0259sait illik s\u0259viyy\u0259d\u0259&nbsp;b\u00f6y\u00fck m\u0259bl\u0259\u011f deyil, DSMF-in \u00fcmumi sosial s\u0131\u011forta g\u0259lirl\u0259rinin yaln\u0131z&nbsp;bir ne\u00e7\u0259 faizi&nbsp;s\u0259viyy\u0259sind\u0259dir. Buna g\u00f6r\u0259 d\u0259&nbsp;varisl\u0259r\u0259 \u00f6t\u00fcr\u00fclm\u0259nin b\u00fcdc\u0259 t\u0259siri idar\u0259olunand\u0131r.&nbsp;H\u0259m\u00e7inin, d\u00f6vl\u0259t uzunm\u00fcdd\u0259tli \u00f6d\u0259m\u0259 \u00f6hd\u0259likl\u0259rini d\u0259 el\u0259 planla\u015fd\u0131rmal\u0131d\u0131r ki,&nbsp;likvidlik t\u0259zyiqi&nbsp;il\u0259 \u00fczl\u0259\u015fm\u0259sin.<\/p>\n\n\n\n<p>\u00dcmumilikd\u0259 bu islahat, uzunm\u00fcdd\u0259tli perspektivd\u0259&nbsp;d\u00f6vl\u0259tin g\u0259lirl\u0259rini art\u0131ran v\u0259 sosial \u0259dal\u0259ti g\u00fccl\u0259ndir\u0259n&nbsp;add\u0131m olar. \u018fks\u0259r inki\u015faf etmi\u015f \u00f6lk\u0259l\u0259rd\u0259 v\u0259t\u0259nda\u015f kapital\u0131n v\u0259ziyy\u0259tini onlayn izl\u0259y\u0259 bilir, b\u0259zi hallarda kapital&nbsp;bank v\u0259 ya investisiya fondunda&nbsp;saxlan\u0131l\u0131r. M\u0259s\u0259l\u0259n, Pol\u015fada d\u00f6vl\u0259t pensiya sistemi il\u0259 yana\u015f\u0131, \u015f\u0259xsi&nbsp;a\u00e7\u0131q pensiya fondlar\u0131 da&nbsp;f\u0259aliyy\u0259t g\u00f6st\u0259rir. \u015e\u0259xs \u00f6z pensiya hesab\u0131n\u0131&nbsp;\u00f6z\u0259l pensiya fondlar\u0131na&nbsp;y\u00f6n\u0259ld\u0259 bilir. T\u00fcrkiy\u0259d\u0259 d\u0259 h\u0259m\u00e7inin, k\u00f6n\u00fcll\u00fc f\u0259rdi pensiya fondlar\u0131 f\u0259aliyy\u0259t g\u00f6st\u0259rir. Fondlar bank v\u0259 ya s\u0131\u011forta \u015firk\u0259tl\u0259ri t\u0259r\u0259find\u0259n idar\u0259 olunur. D\u00f6vl\u0259t yaln\u0131z&nbsp;t\u0259nziml\u0259yici v\u0259 t\u0259minat\u00e7\u0131&nbsp;rolundad\u0131r, kapital\u0131 birba\u015fa idar\u0259 etmir. Bu v\u0259saitl\u0259r fondlar t\u0259r\u0259find\u0259n istiqraz, s\u0259hm, q\u0131z\u0131l, infrastruktur v\u0259 s. aktivl\u0259r\u0259 investisiya edilir. \u018flav\u0259 olaraq&nbsp;h\u0259r bir i\u015ftirak\u00e7\u0131 yat\u0131rd\u0131\u011f\u0131 m\u0259bl\u0259\u011fin 30%-i q\u0259d\u0259r&nbsp;d\u00f6vl\u0259t t\u00f6hf\u0259si d\u0259 (bonus)&nbsp;al\u0131r. Hesablar \u015f\u0259ffafd\u0131r, v\u0259t\u0259nda\u015flar mobil t\u0259tbiql\u0259 \u00f6z balanslar\u0131n\u0131, g\u0259lir faizl\u0259rini v\u0259 bonuslar\u0131n\u0131 izl\u0259y\u0259 bilirl\u0259r&#8221;.<\/p>\n\n\n\n<p><strong>Musavat.com<\/strong><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Az\u0259rbaycanda v\u0259t\u0259nda\u015flar\u0131 narahat ed\u0259n \u0259sas probleml\u0259rd\u0259n biri y\u0131\u011f\u0131lan pensiya kapital\u0131n\u0131n pensiya ya\u015f\u0131na \u00e7atmadan g\u00f6t\u00fcr\u00fcl\u0259 bilm\u0259m\u0259sidir. \u018fhali aras\u0131nda apar\u0131lan sor\u011fular g\u00f6st\u0259rir ki, sistemd\u0259n m\u0259mnun olmayanlar\u0131n say\u0131 az deyil. \u0130nsanlar ill\u0259rl\u0259 i\u015fl\u0259yib \u0259m\u0259khaqq\u0131ndan d\u00f6vl\u0259t sosial m\u00fcdafi\u0259 fonduna m\u0259cburi sosial s\u0131\u011forta haqq\u0131 \u00f6d\u0259s\u0259l\u0259r d\u0259, pensiya ya\u015f\u0131na \u00e7atd\u0131qda ald\u0131qlar\u0131 pensiya onlar\u0131n g\u00f6zl\u0259ntil\u0259rini \u00f6d\u0259mir. Bundan \u0259lav\u0259, v\u0259t\u0259nda\u015f d\u00fcnyas\u0131n\u0131 d\u0259yi\u015fdikd\u0259 toplad\u0131\u011f\u0131 &hellip;<\/p>\n","protected":false},"author":1,"featured_media":20391,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-20390","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-idman"],"_links":{"self":[{"href":"https:\/\/millitv.net\/index.php?rest_route=\/wp\/v2\/posts\/20390","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/millitv.net\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/millitv.net\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/millitv.net\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/millitv.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=20390"}],"version-history":[{"count":1,"href":"https:\/\/millitv.net\/index.php?rest_route=\/wp\/v2\/posts\/20390\/revisions"}],"predecessor-version":[{"id":20392,"href":"https:\/\/millitv.net\/index.php?rest_route=\/wp\/v2\/posts\/20390\/revisions\/20392"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/millitv.net\/index.php?rest_route=\/wp\/v2\/media\/20391"}],"wp:attachment":[{"href":"https:\/\/millitv.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=20390"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/millitv.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=20390"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/millitv.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=20390"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}