\u018fhali aras\u0131nda Maliyy\u0259 Savadl\u0131l\u0131\u011f\u0131na ehtiyac yeni deyil. AB\u015e Federal Ehtiyat Sisteminin ke\u00e7mi\u015f s\u0259dri Alan Qrinspan bunu m\u00fc\u0259yy\u0259n edib v\u0259 haz\u0131rda Robert Kiyosaki v\u0259 Donald Tramp bunun xalqlar\u0131n g\u0259l\u0259c\u0259k u\u011furlar\u0131 \u00fc\u00e7\u00fcn \u0259sas oldu\u011funu iddia edirl\u0259r. Q\u0259rarlar\u0131n h\u00f6kum\u0259tl\u0259rin q\u0259bul edildiyi yerl\u0259rd\u0259 mesaja \u0259h\u0259miyy\u0259t verilm\u0259diyi g\u00f6r\u00fcn\u00fcr. Mesaja m\u0259h\u0259l qoymamaqda davam ed\u0259n u\u011fursuzluq iki \u0259sas s\u0259b\u0259b\u0259 g\u00f6r\u0259 t\u0259sir ed\u0259c\u0259k.<\/p>\n
Birinci S\u0259b\u0259b – Azald\u0131lm\u0131\u015f X\u0259rcl\u0259m\u0259 Tutumunun T\u0259siri<\/b><\/p>\n
\u00dcmumd\u00fcnya Ticar\u0259t M\u0259rk\u0259zinin 11 sentyabr h\u00fccumlar\u0131ndan bir ne\u00e7\u0259 g\u00fcn sonra Prezident Bu\u015f Amerika xalq\u0131n\u0131 \u00e7\u00f6l\u0259 \u00e7\u0131xma\u011fa v\u0259 Amerika iqtisadiyyat\u0131n\u0131 stimulla\u015fd\u0131rmaq \u00fc\u00e7\u00fcn x\u0259rcl\u0259ri davam etdirm\u0259y\u0259 \u00e7a\u011f\u0131rd\u0131. Onun mesaj\u0131 ikiqat idi. \u018fvv\u0259lc\u0259 Amerika iqtisadiyyat\u0131n\u0131 stimulla\u015fd\u0131rmaq \u00fc\u00e7\u00fcn x\u0259rcl\u0259ri davam etdirin v\u0259 b\u00f6y\u00fckl\u00fcy\u00fcn\u0259 g\u00f6r\u0259 qlobal iqtisadiyyata t\u0259sir g\u00f6st\u0259rin. Qobal iqtisadiyyat k\u00f6p\u0259kbal\u0131\u011f\u0131 kimidir – ya\u015famaq \u00fc\u00e7\u00fcn h\u0259r\u0259k\u0259t\u0259 davam etm\u0259lidir v\u0259 bunun \u00fc\u00e7\u00fcn pulla qidalanmal\u0131d\u0131r. Bununla bel\u0259, maliyy\u0259 savadl\u0131l\u0131\u011f\u0131n\u0131n haz\u0131rk\u0131 s\u0259viyy\u0259sini n\u0259z\u0259r\u0259 alsaq, bird\u0259f\u0259lik g\u0259lir m\u0259hdud bir resursdur v\u0259 biz bunun n\u0259 q\u0259d\u0259r elastik ola bil\u0259c\u0259yinin yuxar\u0131 sonuna \u00e7at\u0131r\u0131q.<\/p>\n
\u015e\u0259xsi x\u0259rcl\u0259r ya m\u00f6vcud resurslar, y\u0259ni \u0259m\u0259k haqq\u0131, ya da kredit vasit\u0259sil\u0259 h\u0259yata ke\u00e7irilir. Bununla bel\u0259, h\u0259r ikisi s\u0259rh\u0259dsiz deyil. \u018fslind\u0259 \u00e7oxlar\u0131 \u00fc\u00e7\u00fcn maa\u015f variant\u0131 quruyub. \u0130ndi bir \u00e7ox insanlar x\u0259rcl\u0259m\u0259 modelini qorumaq \u00fc\u00e7\u00fcn kredit kartlar\u0131ndan v\u0259 dig\u0259r kredit m\u0259nb\u0259l\u0259rind\u0259n istifad\u0259 edirl\u0259r. Daha da pisi, \u0259lam\u0259tl\u0259r g\u00f6st\u0259rir ki, insanlar indi o q\u0259d\u0259r uzad\u0131l\u0131blar ki, m\u00f6vcud kredit \u00f6d\u0259ni\u015fl\u0259rini \u00f6d\u0259m\u0259k \u00fc\u00e7\u00fcn daha \u00e7ox kredit t\u0259l\u0259b edirl\u0259r. B\u0259zil\u0259ri h\u0259tta bu ifrat m\u0259rh\u0259l\u0259d\u0259n d\u0259 ke\u00e7ibl\u0259r v\u0259 biz \u015f\u0259xsi m\u00fcflisl\u0259\u015fm\u0259nin artd\u0131\u011f\u0131n\u0131 g\u00f6rm\u0259y\u0259 ba\u015flay\u0131r\u0131q.<\/p>\n
N\u0259hay\u0259t, bu insanlar\u0131n x\u0259rcl\u0259m\u0259 qabiliyy\u0259ti ciddi \u015f\u0259kild\u0259 m\u0259hdudla\u015fd\u0131r\u0131lacaq v\u0259 bel\u0259likl\u0259, onlar art\u0131q iqtisadiyyat\u0131n he\u00e7 vaxt bitm\u0259y\u0259n i\u015ftah\u0131n\u0131 t\u0259min ed\u0259 bilm\u0259y\u0259c\u0259kl\u0259r. Daimi pul ax\u0131n\u0131 olmadan \u0259n yax\u015f\u0131 halda yava\u015flama olacaq. \u0130qtisadiyyatda t\u0259n\u0259zz\u00fcl ehtimal\u0131 da t\u0259sirl\u0259ri il\u0259 birlikd\u0259 \u00e7ox real bir ehtimald\u0131r.<\/p>\n
\u0130kinci S\u0259b\u0259b Rifah X\u0259rcl\u0259ri v\u0259 onun yuxar\u0131 spiral\u0131<\/b><\/p>\n
Rifah x\u0259rcl\u0259ri y\u00fcks\u0259l\u0259n spiraldad\u0131r. Robert Kiyosaki v\u0259 Donald Tramp\u0131n \u201cNiy\u0259 biz s\u0259nin z\u0259ngin olma\u011f\u0131n\u0131 ist\u0259yirik\u201d kitab\u0131nda qeyd etdiyi kimi, hesablan\u0131b ki, Amerika rifah sistemi Amerika xalq\u0131na d\u00fcnyadak\u0131 b\u00fct\u00fcn s\u0259hm v\u0259 istiqraz bazarlar\u0131n\u0131n \u00f6d\u0259y\u0259 bilm\u0259diyi borclar\u0131 art\u0131rma\u011fa ba\u015flay\u0131r. \u018fg\u0259r na\u011fdla\u015fd\u0131r\u0131larsa. Onlar h\u0259m\u00e7inin m\u00fc\u015fahid\u0259 edirl\u0259r ki, Baby Boomer n\u0259sli art\u0131q h\u0259dd\u0259n art\u0131q geni\u015fl\u0259nmi\u015f resurs \u00fcz\u0259rind\u0259 b\u00f6y\u00fck bir \u00e7\u0259ki\u015fm\u0259 ed\u0259r\u0259k t\u0259qa\u00fcd\u0259 \u00e7\u0131xma\u011fa ba\u015flay\u0131r.<\/p>\n
Problem h\u0259mi\u015f\u0259 bilinirdi, lakin h\u00f6kum\u0259tl\u0259r onlar\u0131n saatlar\u0131nda s\u00f6nm\u0259y\u0259c\u0259yin\u0259 \u00fcmid ed\u0259n h\u00f6kum\u0259tl\u0259r t\u0259r\u0259find\u0259n t\u0131qq\u0131lt\u0131 bombas\u0131 kimi ir\u0259li \u00e7\u0259kildi. T\u0259\u0259ss\u00fcf ki, bu bomban\u0131n partlamas\u0131na h\u0259mi\u015f\u0259kind\u0259n daha yax\u0131n oldu\u011fumuzu g\u00f6st\u0259r\u0259n i\u015far\u0259l\u0259r getdikc\u0259 s\u00fcr\u0259tl\u0259nm\u0259y\u0259 ba\u015flay\u0131r.<\/p>\n
Cavab Varm\u0131? \u018fg\u0259r varsa, o, \u0259lb\u0259tt\u0259 ki, eyni h\u0259r\u0259k\u0259tl\u0259ri t\u0259krarlamamal\u0131d\u0131r. Bundan \u0259lav\u0259, maliyy\u0259 savadl\u0131l\u0131\u011f\u0131 xalqlar\u0131n \u015f\u00fcurunda daha \u00e7ox yer tutmal\u0131d\u0131r. \u0130nsanlar pullar\u0131n\u0131 nec\u0259 idar\u0259 ed\u0259c\u0259kl\u0259ri bar\u0259d\u0259 daha effektiv d\u00fc\u015f\u00fcnm\u0259yi bilm\u0259lidirl\u0259r. Bu proses\u0259 ba\u015flama\u011f\u0131n \u0259n yax\u015f\u0131 yollar\u0131ndan biri g\u0259ncl\u0259rd\u0259n ba\u015flamaqd\u0131r. Bunun yolu onlar\u0131 formala\u015fma ill\u0259rini ke\u00e7irdikl\u0259ri bir m\u00fc\u0259ssis\u0259d\u0259 – m\u0259kt\u0259bd\u0259 maliyy\u0259 savadl\u0131l\u0131\u011f\u0131na a\u015f\u0131lamaqd\u0131r. Bununla bel\u0259, maliyy\u0259 savadl\u0131l\u0131\u011f\u0131n\u0131n t\u0259tbiqi \u00fc\u00e7\u00fcn layih\u0259 v\u0259 planlar\u0131n haz\u0131rda formala\u015fd\u0131r\u0131lmas\u0131 laz\u0131md\u0131r. N\u0259 sabah, n\u0259 d\u0259 g\u0259l\u0259c\u0259kd\u0259. Bu g\u00fcn.<\/p>\n
Buna nail olmaq \u00fc\u00e7\u00fcn hans\u0131 siyasi irad\u0259 t\u0259l\u0259b olunacaq, o dem\u0259kdir ki, m\u00f6vzu \u00f6z\u00fcn\u00fc m\u00fc\u0259yy\u0259n siyasi n\u00fcfuza malik hesab ed\u0259n h\u0259r bir ki\u015fi v\u0259 qad\u0131n\u0131n g\u00f6r\u00fcl\u0259c\u0259k i\u015fl\u0259r siyah\u0131s\u0131nda olmal\u0131d\u0131r. Bu, h\u0259r bir b\u00f6y\u00fck siyas\u0259t\u00e7inin dan\u0131\u015f\u0131q n\u00f6qt\u0259sind\u0259 olmal\u0131d\u0131r ki, hadis\u0259l\u0259rin ba\u015f verm\u0259sini t\u0259min ed\u0259n z\u0259min yarada bilsin.<\/p>\n
Bu, b\u00f6y\u00fck bir i\u015f kimi g\u00f6r\u00fcns\u0259 d\u0259, siyas\u0259t\u00e7il\u0259r bunu g\u00fcnd\u0259m\u0259 g\u0259tirm\u0259y\u0259 k\u00f6m\u0259k ed\u0259 bil\u0259c\u0259k iki \u0259sas m\u0259s\u0259l\u0259y\u0259 cavab verirl\u0259r. Birincisi, onlara s\u0259s ver\u0259n insanlardan h\u0259r\u0259k\u0259t\u0259 ke\u00e7m\u0259 t\u0259l\u0259bidir. Bu insanlar kifay\u0259t q\u0259d\u0259r s\u0259s-k\u00fcy sald\u0131qda v\u0259 m\u00f6vqel\u0259rinin t\u0259hl\u00fck\u0259 alt\u0131nda oldu\u011funu hiss etdikd\u0259 – siyas\u0259t\u00e7il\u0259r cavab verir. \u0130kincisi, onlar ba\u015fa d\u00fc\u015fd\u00fckl\u0259ri zaman onlar \u00fc\u00e7\u00fcn n\u0259yins\u0259 oldu\u011funu ba\u015fa d\u00fc\u015f\u00fcrl\u0259r – tan\u0131nma\u011f\u0131n nailiyy\u0259tl\u0259ri \u00fc\u00e7\u00fcn \u0259sas rol oynamas\u0131 v\u0259 onlar\u0131n v\u0259zif\u0259d\u0259 qald\u0131qlar\u0131 zamanlar\u0131n miras\u0131 yarada bil\u0259r – cavab verirl\u0259r. Onlar \u00fc\u00e7\u00fcn n\u0259 oldu\u011funu ba\u015fa d\u00fc\u015fd\u00fckd\u0259n sonra bu daha asan ola bil\u0259r.<\/p>\n
Yax\u015f\u0131, d\u00f6vr\u00fcm\u00fcz\u00fcn siyasi xadiml\u0259ri \u00fc\u00e7\u00fcn n\u0259 var?<\/p>\n
Maliyy\u0259 savadl\u0131l\u0131\u011f\u0131 m\u0259kt\u0259bl\u0259rd\u0259 yerl\u0259\u015fdirils\u0259, biz potensial olaraq ilk maliyy\u0259 savadl\u0131 n\u0259sli yeti\u015fdir\u0259 bil\u0259rik. N\u0259tic\u0259d\u0259 f\u0259rdl\u0259r v\u0259 b\u00fct\u00fcn sosial qruplar \u00fc\u00e7\u00fcn b\u00fct\u00fcn qanunvericilik v\u0259 sosial proqramlar\u0131n \u0259ld\u0259 etdiyi faydadan daha \u00e7ox fayda ver\u0259 bil\u0259r. H\u0259m s\u00f6zl\u0259rin, h\u0259m d\u0259 r\u0259q\u0259ml\u0259rin savad\u0131n\u0131n birl\u0259\u015fdirilm\u0259si sosial c\u0259h\u0259td\u0259n \u0259lveri\u015fsiz qruplar\u0131n v\u0259 f\u0259rdl\u0259rin \u00f6zl\u0259rini tapd\u0131qlar\u0131 m\u00fcxt\u0259lif yoxsulluq n\u00f6vl\u0259rind\u0259n xilas ed\u0259 bil\u0259c\u0259kl\u0259ri t\u0259m\u0259l yarad\u0131r.<\/p>\n
Bu c\u00fcr bilikl\u0259rl\u0259 ba\u015fqalar\u0131ndan, c\u0259miyy\u0259td\u0259n v\u0259 h\u00f6kum\u0259td\u0259n as\u0131l\u0131l\u0131qlar\u0131n\u0131 azald\u0131rlar. Bunun n\u0259tic\u0259l\u0259ri siyasi par\u00e7alanman\u0131n h\u0259r iki t\u0259r\u0259find\u0259 olanlara m\u00fcraci\u0259t ed\u0259 bil\u0259r. N\u0259hay\u0259t, siyas\u0259tinizd\u0259n as\u0131l\u0131 olmayaraq, yax\u015f\u0131 bir q\u00fcvv\u0259 ola bil\u0259c\u0259k iki partiyal\u0131 bir t\u0259\u015f\u0259bb\u00fcs.<\/p>\n
Siyasi xadiml\u0259r h\u0259l\u0259 d\u0259 bunun onlar \u00fc\u00e7\u00fcn n\u0259 oldu\u011funu maraqland\u0131r\u0131rlarsa, bu, budur. \u00c7oxlar\u0131 d\u0259y\u0259rli bir i\u015f g\u00f6rm\u0259k v\u0259 d\u00f6vl\u0259t qullu\u011funda ke\u00e7irdikl\u0259ri m\u00fcdd\u0259t \u00fc\u00e7\u00fcn miras qoyma\u011f\u0131n z\u0259ruriliyind\u0259n dan\u0131\u015f\u0131r. Siyasi karyeralar\u0131 boyu d\u0259y\u0259rli g\u00f6rd\u00fckl\u0259ri s\u0259b\u0259b\u0259 qar\u015f\u0131 \u00e7\u0131xd\u0131qlar\u0131 \u00fc\u00e7\u00fcn bir \u00e7oxlar\u0131 yoldan \u00e7\u0131x\u0131r v\u0259 bataql\u0131\u011fa d\u00fc\u015f\u00fcrl\u0259r. Bird\u0259n-bir\u0259 h\u0259r iki t\u0259r\u0259fin d\u0259st\u0259yini tapa bil\u0259c\u0259k bu i\u015fi m\u0259nims\u0259m\u0259kl\u0259 t\u0259kc\u0259 f\u0259rdl\u0259rin v\u0259 sosial qruplar\u0131n deyil, b\u00fct\u00fcn xalqlar\u0131n g\u0259l\u0259c\u0259yini yenid\u0259n m\u00fc\u0259yy\u0259n ed\u0259 bil\u0259c\u0259k siyasi irs yaratmaq imkan\u0131 yaran\u0131r.<\/p>\n
Siyas\u0259t\u00e7il\u0259rimizin v\u0259 d\u00f6vl\u0259t qulluq\u00e7ular\u0131m\u0131z\u0131n f\u0259aliyy\u0259ti il\u0259 daha parlaq g\u0259l\u0259c\u0259k m\u00f6vcuddur. Onlar sad\u0259c\u0259 olaraq g\u00f6r\u00fcl\u0259c\u0259k i\u015fl\u0259r siyah\u0131s\u0131n\u0131 yenid\u0259n yazmal\u0131d\u0131rlar ki, Maliyy\u0259 Savadl\u0131l\u0131\u011f\u0131 birinci yerd\u0259 olsun.<\/p>\n