<\/p>\n

S\u0131\u011forta tarixi:<\/p>\n

S\u0131\u011forta i\u015finin t\u0259\u015fkilinin \u0259n q\u0259dim d\u00f6vrl\u0259rd\u0259 n\u00fcmun\u0259si kimi Hammurapi (e.\u0259. 1760-c\u0131 ild\u0259) qanunlar\u0131nda t\u0259sbit olunmu\u015f m\u00fcdd\u0259alar g\u00f6st\u0259ril\u0259 bil\u0259r. Burada \u00e7arvadarlarla tacirl\u0259r aras\u0131ndak\u0131 s\u00f6vd\u0259l\u0259\u015fm\u0259 qaydalar\u0131 \u0259ks olunmu\u015fdu, y\u0259ni ticar\u0259t mallar\u0131 da\u015f\u0131nark\u0259n, d\u0259v\u0259 karvan\u0131na quldur basq\u0131nlar\u0131 v\u0259 yaxud y\u00fck da\u015f\u0131yan d\u0259v\u0259l\u0259rin t\u0259l\u0259f olmas\u0131 zaman\u0131 z\u0259r\u0259rin birg\u0259 \u00f6d\u0259nilm\u0259si haqq\u0131nda \u00e7arvadarlar v\u0259 tacirl\u0259r aras\u0131nda \u00fcmumi raz\u0131l\u0131\u011f\u0131n \u0259ld\u0259 olunmas\u0131 qaydalar\u0131n\u0131 \u0259ks etdir\u0259n m\u00fcdd\u0259alar var idi.<\/p>\n

S\u0131\u011forta \u0259m\u0259liyyatlar\u0131n\u0131n kommersiya xarakteri almas\u0131 XIV \u0259srd\u0259
\n\u0130taliyada d\u0259niz yolu il\u0259 da\u015f\u0131nan ticar\u0259t y\u00fckl\u0259rinin s\u0131\u011fortalanmas\u0131 prosedurlar\u0131n\u0131n m\u00fc\u0259yy\u0259nl\u0259\u015fdirilm\u0259si il\u0259 \u0259laq\u0259l\u0259ndirilir. H\u0259min d\u00f6vrd\u0259 d\u0259nizd\u0259 g\u0259mil\u0259rl\u0259 y\u00fckl\u0259ri da\u015f\u0131nan tacirl\u0259r tamamil\u0259 v\u0259 yaxud \u00a0qism\u0259n b\u00f6y\u00fck itkil\u0259rl\u0259 \u00fczl\u0259\u015fm\u0259k riskl\u0259rind\u0259n s\u0131\u011fortalan\u0131r d\u0131lar. Maklerl\u0259rl\u0259 n\u0259qliyyat\u00e7\u0131lar aras\u0131ndak\u0131 kommersiya m\u00fcnasib\u0259tl\u0259ri birjalar vasit\u0259si il\u0259 uzla\u015fd\u0131r\u0131l\u0131rd\u0131.<\/p>\n

S\u0131\u011fortan\u0131n yaranmas\u0131 tarixi is\u0259 1310-cu ild\u0259 Bry\u00fcqqe (Almaniya) \u015f\u0259h\u0259rind\u0259 \u201cS\u0131\u011forta Palatas\u0131\u201d t\u0259\u015fkil olunmas\u0131 g\u00f6st\u0259ril\u0259 bil\u0259r. S\u00f6z\u00fcged\u0259n palatan\u0131n yarad\u0131lmas\u0131nda m\u0259qs\u0259d tacirl\u0259r v\u0259 s\u0259n\u0259tkar gildiyalar\u0131n\u0131n \u00fczvl\u0259rinin maraqlar\u0131n\u0131n qorunmas\u0131 idi. Daha sonra Avropada s\u0131\u011forta i\u015find\u0259 n\u00f6vb\u0259ti ciddi add\u0131mlar B\u00f6y\u00fck Co\u011frafi K\u0259\u015ffl\u0259rd\u0259n sonra at\u0131ld\u0131. 1468-ci ild\u0259 Venesiya d\u0259niz s\u0131\u011fortas\u0131 kodeksi q\u0259bul olundu. M\u0259hz h\u0259min vaxtdan etibar\u0259n d\u00fcnya praktikas\u0131nda pe\u015f\u0259kar s\u0131\u011forta i\u015f\u00e7il\u0259rinin meydana g\u0259ldiyi iddia olunur. S\u0131\u011forta\u00e7\u0131 sahibkar s\u0131\u011forta m\u00fckafat\u0131n\u0131n \u00f6d\u0259nilm\u0259si qar\u015f\u0131l\u0131\u011f\u0131nda \u00f6z \u0259mlak\u0131 il\u0259 d\u0259niz yollar\u0131 il\u0259 da\u015f\u0131nan y\u00fckl\u0259rin t\u0259hl\u00fck\u0259sizliyin\u0259 t\u0259minat verirdi. \u018fg\u0259r y\u00fckl\u0259r z\u0259r\u0259r g\u00f6rm\u0259d\u0259n n\u0259z\u0259rd\u0259 tutulmu\u015f m\u0259nt\u0259q\u0259y\u0259 \u00e7atd\u0131r\u0131lard\u0131sa, m\u00fc\u015ft\u0259ri t\u0259r\u0259find\u0259n \u00f6d\u0259nil\u0259n s\u0131\u011forta m\u00fckafat\u0131 s\u0131\u011forta\u00e7\u0131 sahibkarda qal\u0131rd\u0131.<\/p>\n

Az\u0259rbaycanda s\u0131\u011forta i\u015fi neftin s\u0259naye \u00fcsullar\u0131 il\u0259 hasilat\u0131n\u0131n t\u0259\u015fkili v\u0259 da\u015f\u0131nmas\u0131, bu istiqam\u0259td\u0259 sahibkarl\u0131q f\u0259aliyy\u0259tl\u0259rinin canlanma s\u0131 il\u0259 \u0259laq\u0259dard\u0131r. XIX\u0259srin ax\u0131rlar\u0131nda Az\u0259rbaycan\u0131n neft s\u0259naye sin\u0259 xarici investorlar\u0131n c\u0259lb edilm\u0259si il\u0259,ilk neft v\u0259 g\u0259mi\u00e7ilik \u015firk\u0259tl\u0259rinin yaranmas\u0131 il\u0259 s\u0131\u011forta i\u015finin t\u0259\u015fkilinin m\u00fct\u0259\u015f\u0259kkil xarakter almas\u0131na \u015f\u0259rait yaranm\u0131\u015f olur v\u0259 bu zaman s\u0259naye\u00e7il\u0259rin qar\u015f\u0131l\u0131ql\u0131 s\u0131\u011fortas\u0131, yan\u011f\u0131ndan s\u0131\u011forta, v\u0259t\u0259nda\u015flar\u0131n \u015f\u0259xsi \u0259mlak\u0131n\u0131n s\u0131\u011fortas\u0131 geni\u015f yay\u0131ld\u0131.M\u0259hz bu d\u00f6vrd\u0259 Az\u0259rbaycanda \u0259sas\u0259n d\u0259niz g\u0259mil\u0259rinin s\u0131\u011forta edilm\u0259si \u00fczr\u0259 ixtisasla\u015fm\u0131\u015f ingilis \u015firk\u0259ti \u201cLloyd\u201dun filiallar\u0131, habel\u0259 \u201cRus Lloyd\u201dun v\u0259 Almaniyadan olan ingilis \u015firk\u0259tinin iki n\u00fcmay\u0259nd\u0259liyi, Rusiya v\u0259 \u0130ran\u0131n s\u0259rh\u0259d limanlar\u0131na q\u0259d\u0259r da\u015f\u0131nan y\u00fckl\u0259rin s\u0131\u011fortas\u0131 il\u0259 m\u0259\u015f\u011ful olan \u201cRepman v\u0259 Rust\u201d ticar\u0259t evi il\u0259 t\u0259qdim edil\u0259n \u201c\u015eimali Alman Lloydu\u201d, h\u0259m\u00e7inin g\u0259mil\u0259rin v\u0259 y\u00fckl\u0259rin s\u0131\u011fortas\u0131n\u0131 aparan \u201cAlman, Livantiya x\u0259tti\u201d C\u0259miyy\u0259ti f\u0259aliyy\u0259t g\u00f6st\u0259rm\u0259y\u0259 ba\u015flay\u0131rlar v\u0259 b\u00fct\u00fcn bu i\u015fl\u0259rin t\u0259\u015f-kilind\u0259 rus \u015firk\u0259tl\u0259rinin rolu x\u00fcsusi il\u0259 b\u00f6y\u00fck olmu\u015fdur. 1912-ci il\u0259 aid tarixi m\u0259lumatlara g\u00f6r\u0259 art\u0131q Bak\u0131da 30 s\u0131\u011forta c\u0259miyy\u0259ti v\u0259 agentliyi f\u0259aliyy\u0259t g\u00f6st\u0259rirdi v\u0259 s\u0131\u011forta i\u015find\u0259 \u00fcst\u00fcn m\u00f6vqe, hegemonluq ingilis, alman, rus \u015firk\u0259tl\u0259rin\u0259 m\u0259xsus idi. S\u00f6z\u00fcged\u0259n \u015firk\u0259tl\u0259r Az\u0259rbaycanda yaratm\u0131\u015f olduqlar\u0131 \u015firk\u0259tl\u0259rin filiallar\u0131 vasit\u0259si il\u0259 s\u00f6z sahibi idil\u0259r.<\/p>\n

S\u0131\u011forta<\/strong>\u00a0(ing.\u00a0Insurance<\/em>) \u2013 \u015f\u0259xsl\u0259rin \u0259mlak\u0131, h\u0259yat\u0131, sa\u011flaml\u0131\u011f\u0131, m\u00fclki m\u0259suliyy\u0259ti, h\u0259m\u00e7inin qanunvericilikl\u0259 qada\u011fan olunmayan f\u0259aliyy\u0259ti, o c\u00fcml\u0259d\u0259n sahibkarl\u0131q f\u0259aliyy\u0259ti il\u0259 \u0259laq\u0259dar olan \u0259mlak m\u0259nafel\u0259rinin m\u00fcdafi\u0259si sah\u0259sind\u0259 riskin \u00f6t\u00fcr\u00fclm\u0259sin\u0259 v\u0259 ya b\u00f6l\u00fc\u015fd\u00fcr\u00fclm\u0259sin\u0259 \u0259saslanan m\u00fcnasib\u0259tl\u0259r sistemidir. Sad\u0259 dill\u0259 des\u0259k S\u0131\u011forta \u2013 g\u0259l\u0259c\u0259kd\u0259 ehtimal olunan z\u0259r\u0259rin m\u00fc\u0259yy\u0259n d\u0259y\u0259r qar\u015f\u0131l\u0131\u011f\u0131nda qanunvericilikl\u0259 qada\u011fan olunmayan riskl\u0259rin \u0259v\u0259zinin \u00f6d\u0259nilm\u0259sidir.<\/p>\n

S\u0131\u011forta k\u00f6n\u00fcll\u00fc(kasko)\u00a0 v\u0259 icbari (m\u0259cburi) formalarda h\u0259yata ke\u00e7iril\u0259 bil\u0259r.<\/p>\n

Bu s\u0131\u011forta formalar\u0131n\u0131n h\u0259r ikisi d\u0259 \u00f6lk\u0259mizd\u0259 geni\u015f t\u0259tbiq olunur.<\/p>\n

S\u0131\u011forta \u00fczr\u0259 ekspert, h\u00fcquq\u015f\u00fcnas \u0130lkin \u0130brahimov <\/strong><\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

  S\u0131\u011forta tarixi: S\u0131\u011forta i\u015finin t\u0259\u015fkilinin \u0259n q\u0259dim d\u00f6vrl\u0259rd\u0259 n\u00fcmun\u0259si kimi Hammurapi (e.\u0259. 1760-c\u0131 ild\u0259) qanunlar\u0131nda t\u0259sbit olunmu\u015f m\u00fcdd\u0259alar g\u00f6st\u0259ril\u0259 bil\u0259r. Burada \u00e7arvadarlarla tacirl\u0259r aras\u0131ndak\u0131 s\u00f6vd\u0259l\u0259\u015fm\u0259 qaydalar\u0131 \u0259ks olunmu\u015fdu, y\u0259ni ticar\u0259t mallar\u0131 da\u015f\u0131nark\u0259n, d\u0259v\u0259 karvan\u0131na quldur basq\u0131nlar\u0131 v\u0259 yaxud y\u00fck da\u015f\u0131yan d\u0259v\u0259l\u0259rin t\u0259l\u0259f olmas\u0131 zaman\u0131 z\u0259r\u0259rin birg\u0259 \u00f6d\u0259nilm\u0259si haqq\u0131nda \u00e7arvadarlar v\u0259 tacirl\u0259r aras\u0131nda \u00fcmumi raz\u0131l\u0131\u011f\u0131n […]<\/p>\n","protected":false},"author":3,"featured_media":2379,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-2378","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-gundm"],"_links":{"self":[{"href":"https:\/\/avtoreyd.az\/wp-json\/wp\/v2\/posts\/2378","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/avtoreyd.az\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/avtoreyd.az\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/avtoreyd.az\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/avtoreyd.az\/wp-json\/wp\/v2\/comments?post=2378"}],"version-history":[{"count":0,"href":"https:\/\/avtoreyd.az\/wp-json\/wp\/v2\/posts\/2378\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/avtoreyd.az\/wp-json\/wp\/v2\/media\/2379"}],"wp:attachment":[{"href":"https:\/\/avtoreyd.az\/wp-json\/wp\/v2\/media?parent=2378"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/avtoreyd.az\/wp-json\/wp\/v2\/categories?post=2378"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/avtoreyd.az\/wp-json\/wp\/v2\/tags?post=2378"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}