{"id":3995,"date":"2022-10-12T13:43:00","date_gmt":"2022-10-12T10:43:00","guid":{"rendered":"https:\/\/rockvell.com\/?p=3995"},"modified":"2022-10-12T16:32:52","modified_gmt":"2022-10-12T13:32:52","slug":"qazanc-m%c9%99qs%c9%99di-il%c9%99-v%c9%99saitl%c9%99rin-yerl%c9%99sdirilm%c9%99si-duzgun-secimi-nec%c9%99-etm%c9%99li%ef%bf%bc","status":"publish","type":"post","link":"https:\/\/rockvell.com\/?p=3995","title":{"rendered":"Qazanc m\u0259qs\u0259di il\u0259 v\u0259saitl\u0259rin yerl\u0259\u015fdirilm\u0259si: d\u00fczg\u00fcn se\u00e7imi nec\u0259 etm\u0259li"},"content":{"rendered":"\n<p class=\"has-medium-font-size\"><strong>Qazanc m\u0259qs\u0259di il\u0259 v\u0259saitl\u0259rin yerl\u0259\u015fdirilm\u0259si: d\u00fczg\u00fcn se\u00e7imi nec\u0259 etm\u0259li<\/strong><\/p>\n\n\n\n<p>AccessBank-\u0131n \u0130dar\u0259 Hey\u0259tinin \u00fczv\u00fc \u0130lkin Quliyev depozitl\u0259rl\u0259 ba\u011fl\u0131 m\u00fcsahib\u0259 verib<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/rockvell.com\/wp-content\/uploads\/2022\/10\/Ilkin-Guliyev_pic-783x1024.jpg\" alt=\"\" class=\"wp-image-3996\"\/><\/figure>\n\n\n\n<ul><li><strong>\u0130lkin b\u0259y, banka depozit yerl\u0259\u015fdirm\u0259k m\u00f6vzusu yenid\u0259n aktualla\u015f\u0131b. Yerl\u0259\u015fdirm\u0259<\/strong><strong>y\u0259 <\/strong><strong>d\u0259y\u0259rmi<\/strong><strong>? D\u0259y\u0259rs\u0259, onda se\u00e7imi nec\u0259 etm\u0259li?<\/strong><\/li><\/ul>\n\n\n\n<p>Bu m\u00f6vzu h\u0259r zaman \u0259hali \u00fc\u00e7\u00fcn maraql\u0131 olub. \u00c7\u00fcnki h\u0259r k\u0259sin haql\u0131 bir ist\u0259yi var &#8211; risksiz v\u0259 itkisiz pul qazanmaq. \u018fhalinin depozit\u0259 olan mara\u011f\u0131n\u0131 art\u0131ran bir ne\u00e7\u0259 amil var. Birincisi, \u00f6lk\u0259d\u0259 banklara v\u0259 manata olan g\u00fcv\u0259nin daha da artmas\u0131, ikincisi is\u0259 qlobal s\u0259viyy\u0259d\u0259 m\u00fc\u015fahid\u0259 olunan inflyasiyad\u0131r.<\/p>\n\n\n\n<ul><li><strong>M\u00f6vcud bazar \u015f\u0259rtl\u0259rini n\u0259z\u0259r\u0259 alsaq, sizc\u0259, d\u00fczg\u00fcn se\u00e7im hans\u0131d\u0131r?<\/strong><\/li><\/ul>\n\n\n\n<p>Orta inflyasiya il\u0259 \u0259man\u0259tl\u0259ri &#8220;yast\u0131q alt\u0131nda&#8221; saxlamaq he\u00e7 d\u0259 \u0259n yax\u015f\u0131 \u00e7\u0131x\u0131\u015f yolu deyil. \u00c7\u00fcnki pulun d\u0259y\u0259ri azal\u0131r. \u018fman\u0259tl\u0259rin d\u0259y\u0259rini saxlamaq \u00fc\u00e7\u00fcn \u0259min olmal\u0131s\u0131n\u0131z ki, illik g\u0259liriniz inflyasiya s\u0259viyy\u0259sin\u0259 uy\u011fundur v\u0259 h\u0259tta onu \u00fcst\u0259l\u0259yir. Bununla bel\u0259, v\u0259saitl\u0259rinizi inflyasiyadan qoruma\u011f\u0131n \u0259n asan v\u0259 risksiz yolu onlar\u0131 banka depozit kimi yerl\u0259\u015fdirm\u0259kdir. Burada \u0259sas \u015f\u0259rt yerl\u0259\u015fdirm\u0259 d\u0259r\u0259c\u0259sidir. O, illik inflyasiyadan \u00e7ox a\u015fa\u011f\u0131 olmamal\u0131d\u0131r. M\u0259s\u0259l\u0259n, \u0259g\u0259r illik inflyasiya 7-8% diapazonunda olarsa, o zaman depoziti m\u00fcvafiq olaraq 9% v\u0259 ya daha \u00e7ox d\u0259r\u0259c\u0259 il\u0259 yerl\u0259\u015fdirm\u0259k m\u0259qs\u0259d\u0259uy\u011fundur. \u0130nflyasiya il\u0259 m\u00fcqayis\u0259d\u0259 g\u0259lir daha y\u00fcks\u0259k olacaq. Eyni zamanda, depozitl\u0259rin \u018fman\u0259tl\u0259rin S\u0131\u011fortalanmas\u0131 Fondu t\u0259r\u0259find\u0259n s\u0131\u011fortalanmas\u0131n\u0131 da xat\u0131rlamaq laz\u0131md\u0131r (haz\u0131rda manatla 12%, AB\u015e dollar\u0131 il\u0259 is\u0259 2,5% t\u0259\u015fkil edir).<\/p>\n\n\n\n<p>\u018flb\u0259tt\u0259 ki, pulu inflyasiyadan qoruma\u011f\u0131n ba\u015fqa yollar\u0131 da var, m\u0259s\u0259l\u0259n, birjada s\u0259hml\u0259r\u0259 investisiya etm\u0259k. Ancaq unutmay\u0131n ki, bu investisiyalar \u0259man\u0259tl\u0259rd\u0259n f\u0259rqli olaraq s\u0131\u011fortalanm\u0131r. Da\u015f\u0131nmaz \u0259mlak da investisiya n\u00f6vl\u0259rind\u0259n biri hesab olunur. Onun da m\u00fcsb\u0259t v\u0259 m\u0259nfi c\u0259h\u0259tl\u0259ri var. M\u0259s\u0259l\u0259n, da\u015f\u0131nmaz \u0259mlak \u00e7ox likvid, y\u0259ni asanl\u0131qla sat\u0131lan olmal\u0131d\u0131r v\u0259 eyni zamanda sat\u0131\u015f zaman\u0131 investor qoydu\u011fu investisiyadan daha \u00e7ox qazanmal\u0131d\u0131r.<\/p>\n\n\n\n<ul><li><strong>\u0130lkin b\u0259y, bel\u0259 \u00e7\u0131x\u0131r ki, bank depozitl\u0259ri h\u0259m \u0259lav\u0259 g\u0259lir, h\u0259m d\u0259 s\u0131\u011forta \u00fc\u00e7\u00fcn \u0259n optimal variantd\u0131r?<\/strong><\/li><\/ul>\n\n\n\n<p>Haz\u0131rda dey\u0259 bil\u0259r\u0259m ki, b\u0259li, h\u0259m g\u0259lirlilik, h\u0259m d\u0259 potensial riskl\u0259rin minimuma endirilm\u0259si n\u0259z\u0259r\u0259 al\u0131nmaqla, \u0259man\u0259tl\u0259rin banka yerl\u0259\u015fdirilm\u0259si \u0259n d\u00fczg\u00fcn se\u00e7imdir. Bir daha vur\u011fulay\u0131m ki, banklara yerl\u0259\u015fdiril\u0259n \u0259man\u0259tl\u0259rin qaytar\u0131lmas\u0131n\u0131n t\u0259minat\u00e7\u0131s\u0131 d\u00f6vl\u0259tdir. S\u0131\u011forta limitl\u0259rini d\u0259 unutmayaq: 100 min manat v\u0259 illik 12%-\u0259 q\u0259d\u0259r. Bu, d\u00f6vl\u0259tin s\u0131\u011forta \u015f\u0259rtl\u0259ridir. Qalan\u0131 m\u00fc\u015ft\u0259rinin \u00f6z ixtiyar\u0131ndad\u0131r &#8211; hans\u0131 bank\u0131 se\u00e7\u0259c\u0259k, 100 min manatdan yuxar\u0131 m\u0259bl\u0259\u011f yerl\u0259\u015fdir\u0259c\u0259k, v\u0259 ya \u0259man\u0259ti illik 12%-l\u0259 yerl\u0259\u015fdir\u0259c\u0259k v\u0259 s. Bank depozitl\u0259rini \u0259n yax\u015f\u0131 investisiya variantlar\u0131ndan biri adland\u0131rsaq bel\u0259, m\u00fc\u015ft\u0259rinin n\u0259z\u0259r\u0259 almal\u0131 oldu\u011fu b\u0259zi n\u00fcanslar var. M\u0259s\u0259l\u0259n, s\u0131\u011forta \u015f\u0259rtl\u0259ri il\u0259 yana\u015f\u0131, m\u00fc\u015ft\u0259ri bank\u0131n s\u0259hmdarlar\u0131, inki\u015faf strategiyas\u0131, maliyy\u0259 g\u00f6st\u0259ricil\u0259ri il\u0259 \u0259n az\u0131ndan tan\u0131\u015f olmal\u0131 v\u0259 t\u0259hlil etm\u0259lidir. Ba\u015fqa s\u00f6zl\u0259 des\u0259k \u2013 v\u0259saitini etibar ed\u0259c\u0259yi Bank\u0131 yax\u015f\u0131 tan\u0131mal\u0131d\u0131r.<\/p>\n\n\n\n<ul><li><strong>Bank s\u0259hmdarlar\u0131n\u0131 dey\u0259rk\u0259n n\u0259yi n\u0259z\u0259rd\u0259 tutursunuz?<\/strong><\/li><\/ul>\n\n\n\n<p>M\u00fc\u015ft\u0259ril\u0259r \u0259man\u0259t yerl\u0259\u015fdir\u0259rk\u0259n daha \u00e7ox d\u00f6vl\u0259t banklar\u0131na, v\u0259 ya xarici s\u0259hmdarlar\u0131 olan banklara \u00fcst\u00fcnl\u00fck verirl\u0259r. D\u00f6vl\u0259t banklar\u0131n\u0131n se\u00e7ilm\u0259 s\u0259b\u0259bl\u0259ri m\u0259lumdur v\u0259 anla\u015f\u0131land\u0131r. Xarici s\u0259hmdarlar\u0131 olan bank se\u00e7imind\u0259 \u0259sas n\u00fcans s\u0259hmdarlar\u0131n kim v\u0259 ya hans\u0131 t\u0259\u015fkilat olmas\u0131d\u0131r. M\u00fc\u015ft\u0259ril\u0259rin s\u0259hmdarlar\u0131 beyn\u0259lxalq maliyy\u0259 qurumlar\u0131 v\u0259 ya tan\u0131nm\u0131\u015f xarici \u015firk\u0259tl\u0259r olan banklara \u00fcst\u00fcnl\u00fck verm\u0259si d\u0259 normal davran\u0131\u015fd\u0131r.<\/p>\n\n\n\n<ul><li><strong>Vacib amill\u0259rd\u0259n biri kimi h\u0259m d\u0259 bank\u0131n strategiyas\u0131n\u0131 vur\u011fulad\u0131n\u0131z. N\u0259 \u00fc\u00e7\u00fcn strategiya banka depozit yerl\u0259\u015fdir\u0259n m\u00fc\u015ft\u0259riy\u0259 maraql\u0131 olmal\u0131d\u0131r?<\/strong><\/li><\/ul>\n\n\n\n<p>Depozit yerl\u0259\u015fdir\u0259rk\u0259n m\u00fc\u015ft\u0259ril\u0259rin \u00e7ox da diqq\u0259t etm\u0259diyi, amma \u0259n vacib detallardan biri d\u0259 bank\u0131n strategiyas\u0131d\u0131r. M\u0259s\u0259l\u0259n, ara\u015fd\u0131rmalar g\u00f6st\u0259rir ki, Avropa \u00f6lk\u0259l\u0259rind\u0259 m\u00fc\u015ft\u0259ril\u0259r depozit yerl\u0259\u015fdirdikl\u0259ri bank\u0131n kreditl\u0259\u015fm\u0259 siyas\u0259ti il\u0259 maraqlan\u0131r, onun hans\u0131 istiqam\u0259tl\u0259ri maliyy\u0259l\u0259\u015fdirm\u0259si, ki\u00e7ik biznesl\u0259rin inki\u015faf\u0131n\u0131&nbsp;&nbsp; nec\u0259 d\u0259st\u0259kl\u0259m\u0259si, \u0259traf m\u00fchitin qorunmas\u0131 v\u0259 dig\u0259r sosial y\u00f6n\u00fcml\u00fc layih\u0259l\u0259rd\u0259 i\u015ftirak edib etm\u0259m\u0259si il\u0259 maraqlan\u0131rlar. \u00c7\u00fcnki bank\u0131n depozitl\u0259rd\u0259n nec\u0259 yararlanmas\u0131, hans\u0131 kateqoriya m\u00fc\u015ft\u0259ril\u0259r\u0259 d\u0259st\u0259k olmas\u0131 onlar \u00fc\u00e7\u00fcn \u00e7ox vacibdir. M\u0259s\u0259l\u0259n, bank \u0259sas strategiyas\u0131n\u0131 \u00f6lk\u0259nin biznes m\u00fchitin\u0259 v\u0259 iqtisadiyyat\u0131na d\u0259st\u0259kd\u0259 g\u00f6r\u00fcrs\u0259, bu art\u0131q bir mesajdir. Y\u0259ni bir m\u00fc\u015ft\u0259rinin \u0259man\u0259t \u015f\u0259klind\u0259 banka yerl\u0259\u015fdirdiyi v\u0259sait dig\u0259r m\u00fc\u015ft\u0259rinin biznesinin inki\u015faf\u0131 \u00fc\u00e7\u00fcn kredit \u015f\u0259klind\u0259 istifad\u0259 olunur. Y\u0259ni bir m\u00fc\u015ft\u0259ri \u00f6z\u00fc d\u0259 bilm\u0259d\u0259n dig\u0259r bir m\u00fc\u015ft\u0259rini \u2013 sahibkar\u0131 d\u0259st\u0259kl\u0259m\u0259kl\u0259 \u00f6lk\u0259d\u0259 biznes m\u00fchitinin inki\u015faf\u0131na t\u00f6hf\u0259 verir.<\/p>\n\n\n\n<ul><li><strong>V\u0259 yekun olaraq &#8211; sizc\u0259, \u0259man\u0259ti n\u0259d\u0259 yerl\u0259\u015fdirm\u0259li \u2013 manatda, yoxsa xarici valyutada? M\u00fc\u015ft\u0259ril\u0259r\u0259 n\u0259 m\u0259sl\u0259h\u0259t g\u00f6r\u0259rdiniz?<\/strong><\/li><\/ul>\n\n\n\n<p>G\u0259lin, h\u0259r iki variant\u0131 n\u0259z\u0259rd\u0259n ke\u00e7ird\u0259k. M\u0259s\u0259l\u0259n, manatda olan faiz d\u0259r\u0259c\u0259si AB\u015e dollar\u0131 il\u0259 m\u00fcqayis\u0259d\u0259 xeyli y\u00fcks\u0259kdir. Dig\u0259r t\u0259r\u0259fd\u0259n, m\u00fc\u015ft\u0259ri dollarla depozit yerl\u0259\u015fdir\u0259 bil\u0259r v\u0259 onun alaca\u011f\u0131 faiz d\u0259 dollarla olacaq. Amma \u00fcmumilikd\u0259 bazarda m\u00f6vcud v\u0259ziyy\u0259ti, manat\u0131n m\u0259z\u0259nn\u0259sini stabil olmas\u0131n\u0131, n\u0259z\u0259r\u0259 alsaq, m\u00fc\u015ft\u0259ri \u00fc\u00e7\u00fcn \u0259man\u0259ti&nbsp;&nbsp; manat v\u0259 ya xarici valyuta il\u0259 yerl\u0259\u015fdirm\u0259nin prinsipial f\u0259rqi yoxdur.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Qazanc m\u0259qs\u0259di il\u0259 v\u0259saitl\u0259rin yerl\u0259\u015fdirilm\u0259si: d\u00fczg\u00fcn se\u00e7imi nec\u0259 etm\u0259li AccessBank-\u0131n \u0130dar\u0259 Hey\u0259tinin \u00fczv\u00fc \u0130lkin Quliyev depozitl\u0259rl\u0259 ba\u011fl\u0131 m\u00fcsahib\u0259 verib \u0130lkin b\u0259y, banka depozit yerl\u0259\u015fdirm\u0259k m\u00f6vzusu yenid\u0259n aktualla\u015f\u0131b. Yerl\u0259\u015fdirm\u0259y\u0259 d\u0259y\u0259rmi? D\u0259y\u0259rs\u0259, onda se\u00e7imi nec\u0259 etm\u0259li? Bu&#8230;<\/p>\n","protected":false},"author":2,"featured_media":3996,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[41,4],"tags":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/3995"}],"collection":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=3995"}],"version-history":[{"count":6,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/3995\/revisions"}],"predecessor-version":[{"id":4010,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/3995\/revisions\/4010"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/media\/3996"}],"wp:attachment":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=3995"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=3995"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=3995"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}