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Búginde altyn quima satý jáne satyp alý týraly jii sóz bolyp júr. El ekonomikasyna qatysty nemese kásipkerler arasynda ǵana emes, qarapaiym halyq ta altyn quimalarǵa qyzyǵýshylyq tanytyp keledi. Óitkeni altyn bási joǵary investitsiia ekeni dáleldengen. Qazirgi tańda Amerikada bilimin jetildirip, qyzmet etip júrgen ekonomist Murat Qastaev Ult.kz tilshisiniń suraqtaryna jaýap berdi.
Ekonomistiń sózinshe, altyn quimalary – bul jeke adamnyń investitsiialyq qorjynyn ártaraptandyrý quraly, jáne aqshany saqtaý men tabys alý kózi bolyp tabylady. Investor qorjynynda bank depozitteri, aktsiialar men basqa da qundy qaǵazdar, jyljymaityn múlik bar bolǵan soń, kapitaldyń bir bóligin altynǵa salýǵa bolady.
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«Altyn ózinen-ózi depozit nemese aktsiia siiaqty tabys ákelmeidi, altynnan paida tabýdyń jalǵyz kózi – satý baǵasy satyp alý baǵasynan joǵary bolyp, baǵa aiyrmasynan paida kórý. Jáne de altyn – eń ejelgi investitsiialyq qural, onyń tarihy 5 myń jyl shamasynda, jáne uzaq merzimde altyn baǵasy árqashan da ósip otyrady. Biraq altyn óte uzaq merzimdi investitsiialyq qural, sebebi onyń baǵasy 5 nemese 10 jyl tómen túsip, sosyn kelesi onjyldyqta ósýi múmkin. Sol sebepti altyndy tabys kózinde emes, kapitaldy saqtaý jáne kelesi urpaqqa qaldyrýdyń joly. Altyn ásirese infliatsiiadan qorǵaityn qural bolyp tabylady, sebebi qaǵaz aqsha qunsyzdana berse, altyn óz qunyn ustap otyrady jáne ýaqyt ótken saiyn qymbattap otyrady. Altynǵa investordyń búkil kapitalynyń 5-10 paiyzyn salýǵa keńes beremin, jáne odan kóp tabys kútpei, ol kapitaldy saqtaýdyń quraly ekenin umytpaý kerek, iaǵni eń jaman jaǵdaida, mysaly, aqsha qaǵazdary qunsyzdanyp, álemdik ekonomika quldyrap, qundy qaǵazdar arzandaǵanda, jyljymaityn múlik qirap ketse, investor kem degende sol altynǵa salǵan aqshasyn saqtap qalady. Al altyndy álemniń kez kelgen jerinde satyp, aqshaǵa aiyrbastap alýǵa bolady», – deidi ekonomist Murat Qastaev.
Aita keteiik, altyndy satyp alý múmkindigi Qazaqstanda sońǵy birneshe jylda keń taraǵan. Altyn quimalaryn QR Ulttyq banki ǵana shyǵarady, onyń 100 paiyz sapa kepili bar, jáne quimalar 100 paiyz elimizde óndirilgen altynnan shyǵarylady.
«Altyn quimalaryn eń iri bankterden jáne keibir valiýta aiyrbastaý núktelerinen satyp alýǵa jáne sol jerlerde qaita satýǵa bolady. Altynnyń baǵasyn Ulttyq bank kúndelikti jariialap otyrady. Mysaly, búgin altynnyń 1 gramy 46 104 teńgeni quraidy. Altyn quimalary 5, 10, 20, 50 jáne 100 gramm salmaqta satylady, iaǵni eń arzan altyn quimasy 230 myń shamasynda turady. Bir shartty umytpaǵan jón – quimany satyp alǵanda, ol arnaiy qorǵanys qaptamasynda bolady, sonyń tutastyǵyn saqtaý kerek, sebebi sol qaptama - quimanyń sapasy men salmaǵy saqtalǵanynyń kepili.
Joǵaryda aitylǵandai, búkil altyn quimalaryn tek Ulttyq bank shyǵarady, sondyqtan qai bankten alsańyz da báribir. Meniń bilýimshe, altyn quimalaryn Halyq banki, TsentrKredit, Eýraziialyq bank jáne Jýsan banki satady. Alaida, fizikalyq altyn quimalaryn satyp alýmen qatar, altynǵa metall shoty arqyly da aqsha salýǵa bolady. Bul qyzmetti birqatar bankter usynady. Iaǵni investor mobildi qoldanba arqyly aqshanyń bir bóligine altyn satyp alýdy bankke tapsyrady, bank sol altyndy ózinde saqtaidy, al altynnyń quny investordyń shotynda kórsetilip otyrady. Sonda investordyń altyn quimany saqtap, qorǵaý jaily basy aýyrmaidy, alaida metall shottaryndaǵy altynnyń baǵasyn sol banktiń ózi belgileidi, sol sebepten keide onyń baǵamy tiimsiz bolýy múmkin. Jalpy investorǵa tek quimany satyp almai, múmkindik bolsa, aqshanyń bir bóligine quima satyp alyp, bir bóligine metall shotyn ashyp qoiýǵa bolady», – deidi Murat Qastaev.
Ekonomistiń aitýynsha, altynǵa aqsha salýdyń úshinshi joly – ol altyn óndiretin kompaniialardyń aktsiialaryn satyp alý, sebebi altyn baǵasy ósken saiyn sol kompaniialardyń aktsiialary da ósedi, al aktsiianyń quimadan bir artyqshylyǵy – onyń tek baǵasy ǵana óspei, dividend retinde de tabys alyp otyrýǵa bolady. Al altyn dividend ákelmeidi, odan tabys tabý úshin quimany tek satýǵa ǵana bolady, al aktsiialardy satpai-aq tabys alyp otyrýǵa bolady.
«Altynǵa investitsiia retinde 2017 jylǵa deiin de múmkindik bolǵan, biraq ol kezde tek altyn áshekeilerin ǵana satyp alýǵa múmkindik bolatyn. Al áshekei qandai altynnan jasalǵan, sapasy qandai, arasynda qandai qospasy bar – onyń bárin arnaiy bilimi men quraldary joq adam teksere almaityn. Al Ulttyq bank shyǵaratyn quimalarynyń sapasyn Ulttyq banktiń ózi kepil, ol altyn quimalardyń tazalyǵy 99,99 paiyz, iaǵni odan taza altynnyń bolýy múmkin emes. Jáne quimalardyń salmaǵy standarttalǵan, olardy erkin satýǵa jáne satyp alýǵa bolady, jáne altyn quimalaryn saqtaý yńǵaily, sebebi olardyń pishini tórtburysh, qalyńdyǵy jińishke jáne kishkentai ǵana jerge kóp altyn quimalaryn tyǵyp saqtaýǵa yńǵaily, olar kóp oryn almaidy.
Altyn quimalaryna depozitterge siiaqty kepildik berý múmkin emes, sebebi depozitterdegi aqsha bankterde saqtalady jáne bankter oǵan jaýap beredi, al altyndy investor óz qolynda ustap, oǵan ózi jaýapty bolady», – deidi ekonomist.
Murat Qastaevtyń aitýynsha, memleketten berilgen kepildik – ol altyn quimasynyń sapasy, tazalyǵy, salmaǵynyń durystyǵy jáne ony jeńil satyp alý men satýdy qamtamasyz etý, odan artyq memleket eshqandai kepildik bere almaidy.
«Eger investordyń altyny kóp bolsa, ony kez kelgen bankte seif uiashyǵyn jalǵa alyp, sonyń ishinde saqtaý, sonda oǵan bank jaýapty bolady, al investor ózi tańdai alady – altyn quimalaryn úide seif salyp, sonda saqtaǵan qaýipsiz be, álde bank ishinde qaýipsiz be. Kóp jaǵdaida bank seifteri áldeqaida jaqsy qorǵalǵan, olardy arnaiy qaýipsizdik qyzmeti, signalizatsiia, tonaýǵa, syndyrýǵa, órtke qarsy turatyn arnaiy qorǵanys júieleri bar, tek ol úshin tóleý kerek. Biraq investor altyn satyp alsa, ony qalai saqtaýy – tek óziniń ǵana jaýapkershiligi», – deidi ekonomist Murat Qastaev.
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