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46 - sóz 2070 7 pikir 15 Qarasha, 2019 saghat 13:36

AQSh-ta qarjylyq sauattylyq mәseleleri qyzu talqylanady

Menen kapitaldy saqtau jәne ony kóbeytu mәseleleri jóninde jii súraydy. Adamdardyn kóbi qanday da bir joldarmen aqsha taba alady. Biraq Qazaqstanda tapqan aqshany saqtau jәne kóbeytu mәselesi óte ózekti bolyp otyr. Búl, rasynda da, ýlken mәsele. Búl mәselenin sheshilui últymyzdyn әl-auqaty men zeynetimizdi qamtamasyz etiluine tikeley әser etedi. Bizdegi zeynataqy jýyesinin qalay júmys isteytinin jәne bolashaq zeynetkerler aqshasynyn qalay basqarylatynyn qarastyratyn bolsaq, olar ómirlerinin sonynda ózderi jinaghan aqshanyn bәrin ala almaytyny anyq bolady. Zeynataqy jinaqtarynyn kóbeyui turaly aytpay-aq qoyayyq.

AQSh Últtyq qarjylyq bilim beru qory (NEFE) balabaqsha tәrbiyeshilerinen bastap 12-synyp múghalimderine deyingi oqytushylardyn bәrinen saualama alghan. Solardyn 90%-y studentter qarjylyq bilim beru kurstarynan ótui nemese orta mektepti bitirer kezde osy pәn boyynsha emtihan tapsyruy tiyis dep aytqan. Búl jalpy halqynyn 50%-y investor, al qor naryghy әlemdegi en ýzdik el sanalatyn Amerika túrghyndary turaly aytylyp otyr. Al biz turaly ne aytugha bolady?

Qarjylyq sauattylyq degenimiz – aqsha tabu degen sóz emes. Aqshany júmys istep tabu kerek. Qarjylyq sauattylyq degenimiz – búryn tapqan jәne qazir tauyp jatqan aqshany basqaru degen sóz. Siz «90-shy, 2000 jyldarda mynansha aqsham bar edi... pәlenbay myn tapqan edim...» degen sekildi sózderdi jii estiytin shygharsyz? Al qazir she? Múnday adamdar qazir jalaqygha ómir sýrip, júmys istep jýrip ótken kýnderdi eske alumen ómir sýredi. «Búrynghy millionerler». Onyn ýstine, 90-shy jyldary tәuir aqsha tauyp, onysyn saqtap, kóbeyte alghandardyn payyzy uaqyt óte kele aqshasy bolmay qalghandargha qaraghanda birneshese ese az. Qarttyq jaqyndap qaldy, al bizdin BJZQ-nan, ókinishke qaray, ýmit joq.
Mine, sondyqtan da, AQSh-ta qarjylyq sauattylyq mәseleleri qyzu talqylanady. Amerika aqyldy әri bay qogham bolghysy keledi. Tap osy qarjylyq sauattylyq arqyly milliondaghan qarapayym amerikalyqtyn dәuleti artady.
Qarjylyq sauaty bar kez kelgen qazaqstandyq, ózinin ómirlik belsendi kezenindegi kirisine sәykes, belgili bir jasqa deyin «jeke baylyghyn» jinay alady jәne, ómir sýru dengeyin tómendetpesten, jinalghan aqshanyn payyzymen ómir sýre alady.
Ertegi siyaqty ma? Olay emes.
Mine, kýrdeli payyz effektisinin qalay júmys isteytininin mysaly.

1996 jyly Ozeola Makkartiy Bill Klintonnyn qolynan memlekettik syilyq aldy. Sodan shamaly uaqyt búryn, sol jyly, oghan Missisipiy shtatynda Olimpiada alauyn alyp jýru qúqyghy berildi. Ozeola Makkartiy 1908 jyly AQSh-ta dýniyege kelgen. Altynshy synypta ol kir juatyn jerde aqsha tauyp kýneltu ýshin mektepti tastaugha mәjbýr boldy. Ol bala kezden bastap kýn sayyn tapqan aqshasynyn birneshe dollaryn Missisipiydin Túnghysh últtyq bankine әkeletin.

Bir ayda 100 dollargha juyqtady. Osylaysha jyldar ótti.
Birde bank qyzmetkeri egde jastaghy Miss Makkartiyden shotynda qansha aqsha bar ekenin súraydy. Ozeola, shynymen de, bilgen joq. Sóytse, 75 jyl boyy onyn shotyna 500 000 dollardan astam aqsha jinalyp qalypty.

Bankir oghan osynshama aqshamen mýldem júmys istemey-aq qoyugha bolatynyn aytqanda, ol júmys isteuge әbden ýyrenip qalghanyn, azgha qanaghat etetinin jәne aqshanyn qajet emes ekenin aytty. Aqshanyn jayy ne bolady degen súraq tuyndaydy. Miss Makkarti onnan bir bóligin jergilikti shirkeuge, 30%-yn tuystaryna, al qalghan bóligin jaghdayy tómen otbasylardan shyqqan qaranәsildi talantty balalargha sapaly bilim beru ýshin sondaghy uniyversiytetke berdi.
Osy aqshagha 1995 jyly Ontýstik Missisipi uniyversiyteti Ozeola Makkarti atyndaghy qor ashty. Búl habar býkil Amerikagha tarap, Amerikanyn jer-jerinen kelgen demeushiler kedey otbasynan shyqqan balalardy oqytugha kómektesetin qorgha aqsha audara bastady. Miss Makkartiy 75 jyl boyy jalpy somasy 90 000 AQSh dollaryn (jylyna 1200 dollar) investisiyalaghan. Biraq kýrdeli payyz (shamamen, jylyna 4%) ben úzaq merzimdi investisiyanyn arqasynda, kapitaldyn jalpy somasy 500 000 dollardan da asady. Onyn 400 000 dollary – taza tabys.

Mineki, búl – kýrdeli payyzdyn ghajayyby!
Qarjylyq túrghydan sauatty әri passivti portfelidi investisiyalau qaghidalaryn ýyrene otyryp, qazaqstandyqtar aghymdaghy kiristerinin bir bóligin investisiyalay alady jәne jylyna 10%-gha deyin payda kórui, aqyr-ayaghynda, 15-20 jyldan keyin qarjylyq tәuelsizdikke qol jetkizip, kapitaldan passivti kiris alady da, bay adamgha aynalady.

Sondyqtan da, dostar, alghan bilimderiniz sizderge tek aqsha tabugha mýmkindik beretinin, al aqshany saqtap, ony kóbeytuge tek qarjylyq sauattylyq qana kómektesetinin úmytpanyzdar.

Marghúlan Seysembaydyn facebook paraqshasynan

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