Son 5 ild\u0259 7 min t\u0259l\u0259b\u0259 t\u0259hsil haqq\u0131na g\u00f6r\u0259 ali m\u0259kt\u0259bi at\u0131b.
\nBir ne\u00e7\u0259 g\u00fcn \u00f6nc\u0259 maliyy\u0259 naziri Samir \u015e\u0259rifovun t\u0259hsil kreditl\u0259ri il\u0259 ba\u011fl\u0131 a\u00e7\u0131qlamas\u0131ndan sonra bu m\u0259s\u0259l\u0259 yenid\u0259n g\u00fcnd\u0259m\u0259 g\u0259tirildi v\u0259 xeyli m\u00fczakir\u0259 olundu. T\u0259hsil kreditl\u0259ri il\u0259 ba\u011fl\u0131 yar\u0131m\u00e7\u0131q qalan layih\u0259nin h\u0259yata ke\u00e7irilm\u0259si \u00fc\u00e7\u00fcn xarici \u00f6lk\u0259l\u0259rin t\u0259cr\u00fcb\u0259si d\u0259 ortaya at\u0131ld\u0131. B\u0259zi t\u0259hsil ekspertl\u0259ri xarici \u00f6lk\u0259l\u0259rd\u0259 m\u00f6vcud olan sistem\u0259 uy\u011fun t\u0259hsil kreditl\u0259rinin qurulmas\u0131n\u0131n t\u0259r\u0259fdar\u0131d\u0131r. Bel\u0259 ki, bir \u00e7ox xarici \u00f6lk\u0259d\u0259 \u00f6d\u0259ni\u015fli ixtisasa q\u0259bul olunan t\u0259l\u0259b\u0259 oxudu\u011fu ill\u0259rd\u0259 t\u0259hsil x\u0259rcini \u00f6d\u0259mir. Amma ali m\u0259kt\u0259bi bitirib, i\u015f\u0259 daxil olduqdan onun \u00fcz\u0259rin\u0259 \u00f6hd\u0259lik qoyulur v\u0259 universitet\u0259 olan borcunu \u00f6d\u0259yir. Bu, \u0259slind\u0259 t\u0259hsil kreditinin bir formas\u0131 kimi q\u0259bul oluna bil\u0259r.<\/p>\n
Az\u0259rbaycanda bu c\u00fcr sistemin t\u0259tbiq edilm\u0259sinin m\u00fcmk\u00fcnl\u00fcy\u00fc bar\u0259d\u0259 Modern.az-a dan\u0131\u015fan t\u0259hsil eksperti, tarix \u00fczr\u0259 f\u0259ls\u0259f\u0259 doktoru Kamran \u018fs\u0259dov xat\u0131rlad\u0131b ki, haz\u0131rda 54 ali t\u0259hsil m\u00fc\u0259ssis\u0259sind\u0259 160 min\u0259 yax\u0131n t\u0259l\u0259b\u0259 t\u0259hsil al\u0131r. Onlar\u0131n 70 faizi \u00f6z v\u0259saiti hesab\u0131na, y\u0259ni, \u00f6d\u0259ni\u015fli \u0259saslarla, 30 faizi is\u0259 d\u00f6vl\u0259t b\u00fcdc\u0259si v\u0259saiti hesab\u0131na t\u0259hsil al\u0131r:<\/p>\n
\u201cBu, o dem\u0259kdir ki, haz\u0131rda Az\u0259rbaycan ali t\u0259hsil m\u00fc\u0259ssis\u0259l\u0259rind\u0259 120 min\u0259 yax\u0131n \u015f\u0259xs \u00f6d\u0259ni\u015fli \u0259saslarla t\u0259hsil al\u0131r. Az\u0259rbaycanda t\u0259hsil kreditl\u0259rinin qaytar\u0131lmayaca\u011f\u0131n\u0131 ortaya at\u0131b, bundan imtina etm\u0259k d\u00fczg\u00fcn yana\u015fma deyil. \u018fksin\u0259, kredit alan t\u0259l\u0259b\u0259l\u0259r \u00fc\u00e7\u00fcn el\u0259 \u015f\u0259rait yarad\u0131lmal\u0131, \u00e7\u0131x\u0131\u015f yollar\u0131 d\u00fc\u015f\u00fcn\u00fclm\u0259lidir ki, onlar ali m\u0259kt\u0259bi bitir\u0259nd\u0259n sonra ald\u0131qlar\u0131 krediti \u00f6d\u0259y\u0259 bilsinl\u0259r. Az\u0259rbaycan Respublikas\u0131n\u0131n Konstitusiyas\u0131na g\u00f6r\u0259, d\u00f6vl\u0259t maddi v\u0259ziyy\u0259tind\u0259n as\u0131l\u0131 olmayaraq istedadl\u0131 \u015f\u0259xsl\u0259rin t\u0259hsili davam etdirm\u0259sin\u0259 z\u0259man\u0259t verir. H\u0259r bir v\u0259t\u0259nda\u015f\u0131n t\u0259hsil almaq h\u00fcququ var. Bunu d\u00f6vl\u0259t t\u0259min edir. Ona g\u00f6r\u0259, \u0259n optimal variant\u0131 tapmaq, x\u00fcsusil\u0259, xarici \u00f6lk\u0259l\u0259rin qeyd etdiyimiz t\u0259cr\u00fcb\u0259l\u0259rind\u0259n istifad\u0259 etm\u0259k laz\u0131md\u0131r.
\nT\u0259l\u0259b\u0259l\u0259rin t\u0259hsil ald\u0131\u011f\u0131 m\u00fcdd\u0259td\u0259 illik \u00f6d\u0259ni\u015fl\u0259rd\u0259n azad edilm\u0259si m\u00fcmk\u00fcnd\u00fcr. Sad\u0259c\u0259 sonradan h\u0259min t\u0259l\u0259b\u0259l\u0259rin ali m\u0259kt\u0259b\u0259 olan borcunu \u00f6d\u0259yib-\u00f6d\u0259m\u0259y\u0259c\u0259yi sual alt\u0131nda qal\u0131r. \u00c7\u00fcnki bu g\u00fcn Az\u0259rbaycanda ali m\u0259kt\u0259bi bitir\u0259nl\u0259rin c\u0259mi 42 faizi i\u015f tapa bilir. Bu is\u0259 m\u0259zunlar \u00fc\u00e7\u00fcn \u0259lveri\u015fli deyil. Ona g\u00f6r\u0259, ali m\u0259kt\u0259bi bitir\u0259n \u015f\u0259xsl\u0259rin i\u015fl\u0259 t\u0259min olunmas\u0131 m\u0259s\u0259l\u0259sinin d\u0259 \u00fcz\u0259rind\u0259 dayanmaq, m\u00fcvafiq \u00e7\u0131x\u0131\u015f yolunu tapmaq laz\u0131md\u0131r\u201d.<\/p>\n
AB\u015e t\u0259cr\u00fcb\u0259sin\u0259 toxunan Kamran \u018fs\u0259dov bildirib ki, bu \u00f6lk\u0259d\u0259 t\u0259l\u0259b\u0259l\u0259r veril\u0259n t\u0259hsil kreditl\u0259rini \u00f6d\u0259mirl\u0259r. Halbuki, AB\u015e h\u00f6kum\u0259ti g\u00fcnah\u0131 \u00f6z\u00fcnd\u0259 g\u00f6r\u00fcr, d\u00f6vl\u0259t kredit verdiyi t\u0259l\u0259b\u0259ni i\u015fl\u0259 t\u0259min ed\u0259 bilm\u0259diyini q\u0259bul edir:<\/p>\n
\u201cStatistikaya baxsaq, g\u00f6r\u0259rik ki, son 5 il \u0259rzind\u0259 Az\u0259rbaycanda 7 mind\u0259n \u00e7ox t\u0259l\u0259b\u0259 t\u0259hsil haqq\u0131n\u0131 \u00f6d\u0259y\u0259 bilm\u0259diyi \u00fc\u00e7\u00fcn ali t\u0259hsil almaqdan m\u0259hrum olub. Y\u0259ni I-II kursda \u00e7\u0259tinlikl\u0259 oxuya bil\u0259n t\u0259l\u0259b\u0259l\u0259r, n\u00f6vb\u0259ti ill\u0259rin t\u0259hsil haqq\u0131n\u0131 \u00f6d\u0259y\u0259 bilm\u0259diyi \u00fc\u00e7\u00fcn universitetd\u0259n imtina etm\u0259li olublar. Qarda\u015f T\u00fcrkiy\u0259d\u0259 d\u0259 t\u0259l\u0259b\u0259 krediti sistemi m\u00f6vcuddur v\u0259 t\u0259l\u0259b\u0259l\u0259r\u0259 \u00e7ox ciddi g\u00fcz\u0259\u015ftl\u0259r edilir.<\/p>\n
Haz\u0131rda d\u00f6vl\u0259t t\u0259r\u0259find\u0259n m\u00fc\u0259yy\u0259n kateqoriyaya aid olan \u015f\u0259xsl\u0259rin t\u0259hsil haqlar\u0131 b\u00fcdc\u0259nin v\u0259saiti hesab\u0131na \u00f6d\u0259nilir. Y\u0259ni Milli Q\u0259hr\u0259man \u00f6vladlar\u0131, I-II qrup \u0259lil g\u0259ncl\u0259r, Az\u0259rbaycan Respublikas\u0131n\u0131n \u0259razi b\u00fct\u00f6vl\u00fcy\u00fcn\u00fcn, m\u00fcst\u0259qilliyinin v\u0259 Konstitusiya qurulu\u015funun m\u00fcdafi\u0259si zaman\u0131 \u0259lil olmu\u015f v\u0259t\u0259nda\u015flar\u0131n \u00f6vladlar\u0131, valideynl\u0259rini itirmi\u015f, valideyn himay\u0259sind\u0259n m\u0259hrum olmu\u015f v\u0259 ya internat m\u0259zunlar\u0131 olan g\u0259ncl\u0259r, I qrup \u0259lil valideyni olan g\u0259ncl\u0259r, h\u0259r iki valideyni \u0259lil olan (I, II qrup) g\u0259ncl\u0259rin t\u0259hsil haqlar\u0131 d\u00f6vl\u0259t t\u0259r\u0259find\u0259n \u00f6d\u0259nilir. Amma bu da kredit deyil. \u00d6z\u0259l banklar, \u015firk\u0259tl\u0259r t\u0259r\u0259find\u0259n istehlak krediti format\u0131nda t\u0259l\u0259b\u0259l\u0259r\u0259 veril\u0259n kreditl\u0259r is\u0259 \u00e7ox azd\u0131r v\u0259 reklam, c\u0259lbetm\u0259 m\u0259qs\u0259di da\u015f\u0131y\u0131r\u201d.<\/p>\n
Bak\u0131 M\u00fch\u0259ndislik Universitetinin elmi i\u015fl\u0259r \u00fczr\u0259 prorektoru El\u00e7in S\u00fcleymanov is\u0259 b\u00fct\u00fcn d\u00fcnyada t\u0259tbiq olunan t\u0259cr\u00fcb\u0259nin \u2013 t\u0259hsil kreditl\u0259rinin Az\u0259rbaycanda realla\u015fmas\u0131n\u0131 x\u00fcsusil\u0259 d\u0259st\u0259kl\u0259yir. O xat\u0131rlad\u0131b ki, qarda\u015f T\u00fcrkiy\u0259d\u0259 bu c\u00fcr g\u00fcz\u0259\u015ftl\u0259r daha aktuald\u0131r:
\n\u201cT\u00fcrkiy\u0259d\u0259 t\u0259l\u0259b\u0259 ali m\u0259kt\u0259bd\u0259 oxudu\u011fu m\u00fcdd\u0259td\u0259 \u00f6d\u0259ni\u015fl\u0259rini \u00f6d\u0259mir. Universiteti bitir\u0259nd\u0259n sonra 2 il icaz\u0259 verilir ki, i\u015f taps\u0131n, h\u0259rbi xidm\u0259t v\u0259 dig\u0259r m\u0259s\u0259l\u0259l\u0259ri h\u0259ll etsin. Art\u0131q ali m\u0259kt\u0259b m\u0259zunu i\u015fl\u0259m\u0259y\u0259 ba\u015flad\u0131qda 10 il m\u00fcdd\u0259tin\u0259 universitet\u0259 olan borcunu hiss\u0259-hiss\u0259 \u00f6d\u0259yir. Amerikada da b\u0259zi ali m\u0259kt\u0259bl\u0259rd\u0259 bu c\u00fcr g\u00fcz\u0259\u015ftl\u0259r t\u0259tbiq olunur. Bunu daha \u00e7ox banklar f\u0259rdi formada realla\u015fd\u0131r\u0131r.<\/p>\n
Az\u0259rbaycanda is\u0259 banklar t\u0259l\u0259b\u0259y\u0259 kredit verm\u0259kd\u0259ns\u0259, m\u0259i\u015f\u0259t \u0259\u015fyalar\u0131na, mebell\u0259r\u0259 v\u0259 ya m\u0259nzill\u0259r\u0259 g\u00f6r\u0259 kredit verm\u0259yi daha \u00fcst\u00fcn tutur. \u018fslind\u0259 buna sosial layih\u0259 kimi yana\u015f\u0131b, d\u00f6vl\u0259t t\u0259r\u0259find\u0259n v\u0259sait ayr\u0131larsa, m\u0259s\u0259l\u0259 m\u00fc\u0259yy\u0259n q\u0259d\u0259r h\u0259llini tapar. Nec\u0259 ki, ipoteka kreditl\u0259ri il\u0259 ba\u011fl\u0131 add\u0131mlar at\u0131l\u0131r, sosial m\u0259nzill\u0259r kimi layih\u0259l\u0259r haz\u0131rlan\u0131r, el\u0259c\u0259 d\u0259 t\u0259hsil sah\u0259sind\u0259 bel\u0259 sosial layih\u0259l\u0259r\u0259 yer verilm\u0259lidir. G\u00fcz\u0259\u015ftli t\u0259hsil, yaxud t\u0259hsil\u0259 yard\u0131m fondu kimi bir t\u0259\u015fkilat yarad\u0131larsa, maddi imkan\u0131 a\u015fa\u011f\u0131 olan t\u0259l\u0259b\u0259l\u0259r\u0259 d\u0259st\u0259k ola bil\u0259rik. D\u00fczd\u00fcr, G\u0259ncl\u0259r Fondu f\u0259aliyy\u0259t g\u00f6st\u0259rir, amma bu kimi m\u00fc\u0259ssis\u0259l\u0259rin davaml\u0131 olmas\u0131n\u0131 arzu edirik.
\nAz\u0259rbaycanda t\u0259hsil kreditl\u0259rinin qaytar\u0131lmayaca\u011f\u0131, g\u00fcz\u0259\u015ftl\u0259rl\u0259 ba\u011fl\u0131 borclar\u0131n \u00f6d\u0259nm\u0259y\u0259c\u0259yi fikirl\u0259rini q\u0259bul etmir\u0259m. M\u0259s\u0259l\u0259n, el\u0259 Bak\u0131 M\u00fch\u0259ndislik Universitetinin t\u0259l\u0259b\u0259l\u0259ri ali t\u0259hsili bitirdikd\u0259n sonra kifay\u0259t q\u0259d\u0259r prestijli, yax\u015f\u0131 maa\u015fl\u0131 i\u015fl\u0259r\u0259 daxil ola bilirl\u0259r. Onlara kreditl\u0259r veril\u0259rs\u0259, universiteti bitir\u0259nd\u0259n sonra i\u015f tapan t\u0259l\u0259b\u0259 2-3 aya bel\u0259 borcunu \u00f6d\u0259y\u0259 bil\u0259r. Bunun mexanizmini d\u00fczg\u00fcn i\u015fl\u0259m\u0259k, haz\u0131rlamaq laz\u0131md\u0131r.
\nBir m\u0259qam\u0131 da qeyd etm\u0259k ist\u0259yir\u0259m ki, ist\u0259r g\u00fcz\u0259\u015ft, ist\u0259rs\u0259 d\u0259 kredit formas\u0131nda t\u0259hsil haqlar\u0131n\u0131n hiss\u0259-hiss\u0259 \u00f6d\u0259nilm\u0259si \u00fc\u00e7\u00fcn imkan yarad\u0131larsa, t\u0259hsil borcunun qaytar\u0131lmamaq riski \u00e7ox c\u00fczi olar\u201d.
\nmodern.az<\/p>\n","protected":false},"excerpt":{"rendered":"
Son 5 ild\u0259 7 min t\u0259l\u0259b\u0259 t\u0259hsil haqq\u0131na g\u00f6r\u0259 ali m\u0259kt\u0259bi at\u0131b. Bir ne\u00e7\u0259 g\u00fcn \u00f6nc\u0259 maliyy\u0259 naziri Samir \u015e\u0259rifovun t\u0259hsil kreditl\u0259ri…<\/p>\n","protected":false},"author":1,"featured_media":3278,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[66],"tags":[],"class_list":["post-3273","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-muasir-iqtisadiyyat"],"yoast_head":"\n