{"id":3398,"date":"2022-02-02T00:06:41","date_gmt":"2022-02-01T19:06:41","guid":{"rendered":"https:\/\/invexi.org\/?p=3398"},"modified":"2024-05-06T21:56:28","modified_gmt":"2024-05-06T16:56:28","slug":"time-value-of-money-theory-of-time-value-of-money-time-value-of-money-considering-time-factor","status":"publish","type":"post","link":"https:\/\/invexi.org\/uz\/press\/time-value-of-money-theory-of-time-value-of-money-time-value-of-money-considering-time-factor\/","title":{"rendered":"Pulning vaqt qiymati (Pulning vaqtdagi qiymati; Pul nazariyasining vaqt qiymati)"},"content":{"rendered":"<p><\/p>\n<p><em>Pulning vaqt qiymati pul kontekstida vaqt qiymatini aks ettiruvchi moliyadagi asosiy tushunchadir.<\/em><\/p>\n<p><strong>Pulning vaqt qiymati pul kontekstida vaqt qiymatini aks ettiruvchi moliyadagi asosiy tushunchadir. U bugungi kunda investitsiya qilish yoki iste&#8217;mol qilish qobiliyati tufayli pul kelajakka qaraganda hozirgi paytda ko&#8217;proq qiymatga ega degan g&#8217;oyaga asoslanadi.<\/strong> Bu bugun pulni investitsiya qilish va kelajakda ushbu investitsiyalardan daromad olish imkoniyati bilan bog&#8217;liq.<\/p>\n<p><strong>Iqtisodiy ma&#8217;noda pulning vaqt qiymati pulning ma&#8217;lum vaqtdan keyin daromad yoki foyda keltirish qobiliyati sifatida aniqlanadi. U turli vaqtlarda daromad yoki xarajatlarni solishtirish uchun ishlatilishi mumkin.<\/strong><\/p>\n<p><strong>Nima uchun bu sodir bo&#8217;lmoqda?<\/strong><\/p>\n<p><strong>Bir nechta sabablar bor<\/strong>:<\/p>\n<p><strong>Inflyatsiya<\/strong>: Vaqt o&#8217;tishi bilan pul inflyatsiya tufayli sotib olish qobiliyatini yo&#8217;qotadi. Bugungi kunda 100 evroga siz yiliga 100 evrodan ko&#8217;proq tovar va xizmatlar sotib olishingiz mumkin.<\/p>\n<p><strong>Investitsion imkoniyat<\/strong>: Bugun olingan pulni kelajakda foyda olish uchun investitsiya qilish mumkin.<\/p>\n<p><em>Misol uchun, agar siz yiliga 10% depozitga 100 evro qo&#8217;ysangiz, bir yildan keyin sizda 110 evro bo&#8217;ladi.<\/em><\/p>\n<p><strong>Noaniqlik<\/strong>: odamlar odatda pulni kelajakda kutishdan ko&#8217;ra hozir olishni afzal ko&#8217;radilar, hatto kelajakdagi miqdor kattaroq bo&#8217;lsa ham. Bu noaniqlikdan voz kechish bilan bog&#8217;liq: odamlar kelajakda pulga ega bo&#8217;lish umidini emas, balki hozir borligiga ishonchni qadrlashadi.<\/p>\n<p><strong>Pulning vaqt qiymatini aniqlash:<\/strong><\/p>\n<p><strong>Pulning vaqt qiymati insonning kelajakda olishi mumkin bo&#8217;lgan narsaga nisbatan bugun olishni tanlagan qiymatini belgilaydi. Bu pulni hozirgi vaqtda investitsiya qilish yoki iste&#8217;mol qilish uchun avvalroq olishni afzal ko&#8217;rish bilan bog&#8217;liq.<\/strong><\/p>\n<p><strong>Vaqt qiymati tushunchasi:<\/strong><\/p>\n<p><strong>Pulning vaqt qiymati tushunchasi pulning &laquo;vaqt qiymati&raquo; ga ega ekanligini ko&#8217;rsatadi, bu uni investitsiya qilishdan olinishi mumkin bo&#8217;lgan foiz yoki daromad nuqtai nazaridan ifodalanadi.<\/strong><\/p>\n<p>Shunday qilib, bugungi kunda olingan pul mablag&#8217;larini investitsiya qilish va qo&#8217;shimcha daromad olish yoki joriy ehtiyojlarni qondirish uchun sarflanishi mumkin bo&#8217;lgan daromad olish mumkin. Shu munosabat bilan, kelajakda olingan pul hozir foydalanish imkoniyatini yo&#8217;qotganligi sababli qadrsiz bo&#8217;lib qoladi.<\/p>\n<p><strong>Pulning vaqt qiymatini qo&#8217;llash:<\/strong><\/p>\n<p><strong>Pulning vaqt qiymati tushunchasi moliya sanoatida investitsiyalar, kreditlar berish, sarflash qarorlari va boshqa moliyaviy jihatlarni baholash uchun keng qo&#8217;llaniladi.<\/strong><\/p>\n<p><em>Misol uchun, loyiha yoki investitsiya qiymatini hisoblashda nafaqat kelajakda olinadigan pul miqdori, balki uning vaqt qiymati, ya&#8217;ni ushbu pulni <\/em>hozir<em> ko&#8217;paytirish yoki iste&#8217;mol qilish imkoniyati ham hisobga olinadi.<\/em><\/p>\n<p><strong>Pulning vaqt qiymatini rasmiylashtirish:<\/strong><\/p>\n<p><strong>Pulning vaqt qiymatini rasmiylashtirish turli matematik formulalar yordamida ifodalanishi mumkin, masalan, foiz stavkasi va vaqtni hisobga olgan holda pul miqdorining kelajakdagi qiymatini (FV) yoki hozirgi qiymatini (PV) hisoblash formulasi.<\/strong><\/p>\n<p><em>Masalan, kelajakdagi qiymatni (FV) hisoblash formulasini quyidagicha ifodalash mumkin<\/em>:<\/p>\n<p>FV = PV x (1 + r)^n<\/p>\n<p>Qayerda:<\/p>\n<p>&#8211; FV &#8211; kelajakdagi qiymat<\/p>\n<p>&#8211; PV &#8211; joriy qiymat (hozirgi qiymat)<\/p>\n<p>&#8211; r &#8211; foiz stavkasi (diskont stavkasi)<\/p>\n<p>&#8211; n &#8211; vaqt davrlari soni<\/p>\n<p>Ushbu formula vaqt va foiz stavkalarini hisobga olgan holda pulning hozirgi qiymatini kelajakdagi qiymatga qanday aylantirish mumkinligini ko&#8217;rsatadi.<\/p>\n<p><strong>Pulning vaqt qiymatining boshqa formulalari:<\/strong><\/p>\n<p><strong>Kengaytma<\/strong>:<\/p>\n<p>Oddiy foiz stavkasi: S = P(1 + nt)<\/p>\n<p>Murakkab foiz: S = P(1 + i\/n)^(nt)<\/p>\n<p><strong>Chegirma<\/strong>:<\/p>\n<p>Oddiy foiz stavkasi: P = S \/ (1 + nt)<\/p>\n<p>Murakkab foiz: P = S \/ [(1 + i\/n)^(nt)]<\/p>\n<p>Qayerda:<\/p>\n<p>S &#8211; kelajakdagi (yig&#8217;ilgan) qiymat<\/p>\n<p>P &#8211; joriy (hozirgi) qiymat<\/p>\n<p>i \u2013 yillik foiz stavkasi<\/p>\n<p>n &#8211; yillik hisoblash davrlari soni (masalan, oylar)<\/p>\n<p>t &#8211; yillar soni<\/p>\n<p><strong>Misollar<\/strong>:<\/p>\n<p><em>1-misol: Siz 5 yil ichida 10 000 evro tejashni xohlaysiz. Yillik foiz stavkasi 10% bo&#8217;lsa, bugun qancha pul qo&#8217;yish kerak?<\/em><\/p>\n<p><strong>Yechim<\/strong>:<\/p>\n<p>Murakkab foiz formulasidan foydalanamiz:<\/p>\n<p>S = 10 000 evro = P (1 + 0,1)^5<\/p>\n<p>P = 10 000 evro \/ (1 + 0,1)^5 = 6 830,10 evro<\/p>\n<p>5 yil ichida 10 000 evro olish uchun siz bugun 6 830,10 evro depozitga qo&#8217;yishingiz kerak.<\/p>\n<p><em>2-misol: Siz lotereyada 100 000 yevro yutib oldingiz, lekin hozir bu sizga kerak emas. Yillik daromad olish uchun uni investitsiya qilmoqchisiz. Yiliga 8% bilan pul qo&#8217;ysangiz, qancha olasiz?<\/em><\/p>\n<p><strong>Yechim<\/strong>:<\/p>\n<p>Murakkab foiz formulasidan foydalanamiz:<\/p>\n<p>S = 100 000 evro (1 + 0,08) ^ t<\/p>\n<p>t = log (S \/ 100,000) \/ log (1 + 0,08) = 10,38 yil<\/p>\n<p>Yillik 8 000 evro (100 000 evro 0,08) daromad olasiz.<\/p>\n<p><strong><em>Pulning vaqt qiymati borligini hisobga olib, moliyaviy qarorlarni rejalashtirishda ushbu omilni hisobga olish kerak.<\/em><\/strong><\/p>\n<p><strong><em>Umuman olganda, pulning vaqt qiymati moliyaviy faoliyatda, odamlar va kompaniyalarga turli vaqtlarda o&#8217;z resurslaridan eng yaxshi foydalanish to&#8217;g&#8217;risida qaror qabul qilishga yordam berishda asosiy rol o&#8217;ynaydi.<\/em><\/strong><\/p>\n<p>&#8212;\u00a0<\/p>\n<p><span style=\"font-size: 24pt;\"><strong>\u041f\u0443\u043b\u043d\u0438\u043d\u0433 \u0432\u0430\u049b\u0442 \u049b\u0438\u0439\u043c\u0430\u0442\u0438 (\u041f\u0443\u043b\u043d\u0438\u043d\u0433 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\u0431\u045e\u043b\u043c\u043e\u049b\u0434\u0430?<\/strong><\/p>\n<p><strong>\u0411\u0438\u0440 \u043d\u0435\u0447\u0442\u0430 \u0441\u0430\u0431\u0430\u0431\u043b\u0430\u0440 \u0431\u043e\u0440:<\/strong><\/p>\n<p><strong>\u0418\u043d\u0444\u043b\u044f\u0446\u0438\u044f: \u0412\u0430\u049b\u0442 \u045e\u0442\u0438\u0448\u0438 \u0431\u0438\u043b\u0430\u043d \u043f\u0443\u043b \u0438\u043d\u0444\u043b\u044f\u0446\u0438\u044f \u0442\u0443\u0444\u0430\u0439\u043b\u0438 \u0441\u043e\u0442\u0438\u0431 \u043e\u043b\u0438\u0448 \u049b\u043e\u0431\u0438\u043b\u0438\u044f\u0442\u0438\u043d\u0438 \u0439\u045e\u049b\u043e\u0442\u0430\u0434\u0438. \u0411\u0443\u0433\u0443\u043d\u0433\u0438 \u043a\u0443\u043d\u0434\u0430 100 \u0435\u0432\u0440\u043e\u0433\u0430 \u0441\u0438\u0437 \u0439\u0438\u043b\u0438\u0433\u0430 100 \u0435\u0432\u0440\u043e\u0434\u0430\u043d \u043a\u045e\u043f\u0440\u043e\u049b \u0442\u043e\u0432\u0430\u0440 \u0432\u0430 \u0445\u0438\u0437\u043c\u0430\u0442\u043b\u0430\u0440 \u0441\u043e\u0442\u0438\u0431 \u043e\u043b\u0438\u0448\u0438\u043d\u0433\u0438\u0437 \u043c\u0443\u043c\u043a\u0438\u043d.<\/strong><\/p>\n<p><strong>\u0418\u043d\u0432\u0435\u0441\u0442\u0438\u0446\u0438\u043e\u043d \u0438\u043c\u043a\u043e\u043d\u0438\u044f\u0442: \u0411\u0443\u0433\u0443\u043d \u043e\u043b\u0438\u043d\u0433\u0430\u043d \u043f\u0443\u043b\u043d\u0438 \u043a\u0435\u043b\u0430\u0436\u0430\u043a\u0434\u0430 \u0444\u043e\u0439\u0434\u0430 \u043e\u043b\u0438\u0448 \u0443\u0447\u0443\u043d \u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0446\u0438\u044f \u049b\u0438\u043b\u0438\u0448 \u043c\u0443\u043c\u043a\u0438\u043d.<\/strong><\/p>\n<p><strong>\u041c\u0438\u0441\u043e\u043b \u0443\u0447\u0443\u043d, \u0430\u0433\u0430\u0440 \u0441\u0438\u0437 \u0439\u0438\u043b\u0438\u0433\u0430 10% \u0434\u0435\u043f\u043e\u0437\u0438\u0442\u0433\u0430 100 \u0435\u0432\u0440\u043e \u049b\u045e\u0439\u0441\u0430\u043d\u0433\u0438\u0437, \u0431\u0438\u0440 \u0439\u0438\u043b\u0434\u0430\u043d \u043a\u0435\u0439\u0438\u043d \u0441\u0438\u0437\u0434\u0430 110 \u0435\u0432\u0440\u043e \u0431\u045e\u043b\u0430\u0434\u0438.<\/strong><\/p>\n<p><strong>\u041d\u043e\u0430\u043d\u0438\u049b\u043b\u0438\u043a: \u043e\u0434\u0430\u043c\u043b\u0430\u0440 \u043e\u0434\u0430\u0442\u0434\u0430 \u043f\u0443\u043b\u043d\u0438 \u043a\u0435\u043b\u0430\u0436\u0430\u043a\u0434\u0430 \u043a\u0443\u0442\u0438\u0448\u0434\u0430\u043d \u043a\u045e\u0440\u0430 \u04b3\u043e\u0437\u0438\u0440 \u043e\u043b\u0438\u0448\u043d\u0438 \u0430\u0444\u0437\u0430\u043b \u043a\u045e\u0440\u0430\u0434\u0438\u043b\u0430\u0440, \u04b3\u0430\u0442\u0442\u043e \u043a\u0435\u043b\u0430\u0436\u0430\u043a\u0434\u0430\u0433\u0438 \u043c\u0438\u049b\u0434\u043e\u0440 \u043a\u0430\u0442\u0442\u0430\u0440\u043e\u049b \u0431\u045e\u043b\u0441\u0430 \u04b3\u0430\u043c. \u0411\u0443 \u043d\u043e\u0430\u043d\u0438\u049b\u043b\u0438\u043a\u0434\u0430\u043d \u0432\u043e\u0437 \u043a\u0435\u0447\u0438\u0448 \u0431\u0438\u043b\u0430\u043d \u0431\u043e\u0493\u043b\u0438\u049b: \u043e\u0434\u0430\u043c\u043b\u0430\u0440 \u043a\u0435\u043b\u0430\u0436\u0430\u043a\u0434\u0430 \u043f\u0443\u043b\u0433\u0430 \u0435\u0433\u0430 \u0431\u045e\u043b\u0438\u0448 \u0443\u043c\u0438\u0434\u0438\u043d\u0438 \u0435\u043c\u0430\u0441, \u0431\u0430\u043b\u043a\u0438 \u04b3\u043e\u0437\u0438\u0440 \u0431\u043e\u0440\u043b\u0438\u0433\u0438\u0433\u0430 \u0438\u0448\u043e\u043d\u0447\u043d\u0438 \u049b\u0430\u0434\u0440\u043b\u0430\u0448\u0430\u0434\u0438.<\/strong><\/p>\n<p><strong>\u041f\u0443\u043b\u043d\u0438\u043d\u0433 \u0432\u0430\u049b\u0442 \u049b\u0438\u0439\u043c\u0430\u0442\u0438\u043d\u0438 \u0430\u043d\u0438\u049b\u043b\u0430\u0448:<\/strong><\/p>\n<p><strong>\u041f\u0443\u043b\u043d\u0438\u043d\u0433 \u0432\u0430\u049b\u0442 \u049b\u0438\u0439\u043c\u0430\u0442\u0438 \u0438\u043d\u0441\u043e\u043d\u043d\u0438\u043d\u0433 \u043a\u0435\u043b\u0430\u0436\u0430\u043a\u0434\u0430 \u043e\u043b\u0438\u0448\u0438 \u043c\u0443\u043c\u043a\u0438\u043d \u0431\u045e\u043b\u0433\u0430\u043d \u043d\u0430\u0440\u0441\u0430\u0433\u0430 \u043d\u0438\u0441\u0431\u0430\u0442\u0430\u043d \u0431\u0443\u0433\u0443\u043d \u043e\u043b\u0438\u0448\u043d\u0438 \u0442\u0430\u043d\u043b\u0430\u0433\u0430\u043d \u049b\u0438\u0439\u043c\u0430\u0442\u0438\u043d\u0438 \u0431\u0435\u043b\u0433\u0438\u043b\u0430\u0439\u0434\u0438. \u0411\u0443 \u043f\u0443\u043b\u043d\u0438 \u04b3\u043e\u0437\u0438\u0440\u0433\u0438 \u0432\u0430\u049b\u0442\u0434\u0430 \u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0446\u0438\u044f \u049b\u0438\u043b\u0438\u0448 \u0451\u043a\u0438 \u0438\u0441\u0442\u0435\u044a\u043c\u043e\u043b \u049b\u0438\u043b\u0438\u0448 \u0443\u0447\u0443\u043d \u0430\u0432\u0432\u0430\u043b\u0440\u043e\u049b \u043e\u043b\u0438\u0448\u043d\u0438 \u0430\u0444\u0437\u0430\u043b \u043a\u045e\u0440\u0438\u0448 \u0431\u0438\u043b\u0430\u043d \u0431\u043e\u0493\u043b\u0438\u049b.<\/strong><\/p>\n<p><strong>\u0412\u0430\u049b\u0442 \u049b\u0438\u0439\u043c\u0430\u0442\u0438 \u0442\u0443\u0448\u0443\u043d\u0447\u0430\u0441\u0438:<\/strong><\/p>\n<p><strong>\u041f\u0443\u043b\u043d\u0438\u043d\u0433 \u0432\u0430\u049b\u0442 \u049b\u0438\u0439\u043c\u0430\u0442\u0438 \u0442\u0443\u0448\u0443\u043d\u0447\u0430\u0441\u0438 \u043f\u0443\u043b\u043d\u0438\u043d\u0433 &laquo;\u0432\u0430\u049b\u0442 \u049b\u0438\u0439\u043c\u0430\u0442\u0438&raquo; \u0433\u0430 \u0435\u0433\u0430 \u0435\u043a\u0430\u043d\u043b\u0438\u0433\u0438\u043d\u0438 \u043a\u045e\u0440\u0441\u0430\u0442\u0430\u0434\u0438, \u0431\u0443 \u0443\u043d\u0438 \u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0446\u0438\u044f \u049b\u0438\u043b\u0438\u0448\u0434\u0430\u043d \u043e\u043b\u0438\u043d\u0438\u0448\u0438 \u043c\u0443\u043c\u043a\u0438\u043d \u0431\u045e\u043b\u0433\u0430\u043d \u0444\u043e\u0438\u0437 \u0451\u043a\u0438 \u0434\u0430\u0440\u043e\u043c\u0430\u0434 \u043d\u0443\u049b\u0442\u0430\u0438 \u043d\u0430\u0437\u0430\u0440\u0438\u0434\u0430\u043d \u0438\u0444\u043e\u0434\u0430\u043b\u0430\u043d\u0430\u0434\u0438.<\/strong><\/p>\n<p><strong>\u0428\u0443\u043d\u0434\u0430\u0439 \u049b\u0438\u043b\u0438\u0431, \u0431\u0443\u0433\u0443\u043d\u0433\u0438 \u043a\u0443\u043d\u0434\u0430 \u043e\u043b\u0438\u043d\u0433\u0430\u043d \u043f\u0443\u043b \u043c\u0430\u0431\u043b\u0430\u0493\u043b\u0430\u0440\u0438\u043d\u0438 \u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0446\u0438\u044f \u049b\u0438\u043b\u0438\u0448 \u0432\u0430 \u049b\u045e\u0448\u0438\u043c\u0447\u0430 \u0434\u0430\u0440\u043e\u043c\u0430\u0434 \u043e\u043b\u0438\u0448 \u0451\u043a\u0438 \u0436\u043e\u0440\u0438\u0439 \u0435\u04b3\u0442\u0438\u0451\u0436\u043b\u0430\u0440\u043d\u0438 \u049b\u043e\u043d\u0434\u0438\u0440\u0438\u0448 \u0443\u0447\u0443\u043d \u0441\u0430\u0440\u0444\u043b\u0430\u043d\u0438\u0448\u0438 \u043c\u0443\u043c\u043a\u0438\u043d \u0431\u045e\u043b\u0433\u0430\u043d \u0434\u0430\u0440\u043e\u043c\u0430\u0434 \u043e\u043b\u0438\u0448 \u043c\u0443\u043c\u043a\u0438\u043d. \u0428\u0443 \u043c\u0443\u043d\u043e\u0441\u0430\u0431\u0430\u0442 \u0431\u0438\u043b\u0430\u043d, \u043a\u0435\u043b\u0430\u0436\u0430\u043a\u0434\u0430 \u043e\u043b\u0438\u043d\u0433\u0430\u043d \u043f\u0443\u043b \u04b3\u043e\u0437\u0438\u0440 \u0444\u043e\u0439\u0434\u0430\u043b\u0430\u043d\u0438\u0448 \u0438\u043c\u043a\u043e\u043d\u0438\u044f\u0442\u0438\u043d\u0438 \u0439\u045e\u049b\u043e\u0442\u0433\u0430\u043d\u043b\u0438\u0433\u0438 \u0441\u0430\u0431\u0430\u0431\u043b\u0438 \u049b\u0430\u0434\u0440\u0441\u0438\u0437 \u0431\u045e\u043b\u0438\u0431 \u049b\u043e\u043b\u0430\u0434\u0438.<\/strong><\/p>\n<p><strong>\u041f\u0443\u043b\u043d\u0438\u043d\u0433 \u0432\u0430\u049b\u0442 \u049b\u0438\u0439\u043c\u0430\u0442\u0438\u043d\u0438 \u049b\u045e\u043b\u043b\u0430\u0448:<\/strong><\/p>\n<p><strong>\u041f\u0443\u043b\u043d\u0438\u043d\u0433 \u0432\u0430\u049b\u0442 \u049b\u0438\u0439\u043c\u0430\u0442\u0438 \u0442\u0443\u0448\u0443\u043d\u0447\u0430\u0441\u0438 \u043c\u043e\u043b\u0438\u044f \u0441\u0430\u043d\u043e\u0430\u0442\u0438\u0434\u0430 \u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0446\u0438\u044f\u043b\u0430\u0440, \u043a\u0440\u0435\u0434\u0438\u0442\u043b\u0430\u0440 \u0431\u0435\u0440\u0438\u0448, \u0441\u0430\u0440\u0444\u043b\u0430\u0448 \u049b\u0430\u0440\u043e\u0440\u043b\u0430\u0440\u0438 \u0432\u0430 \u0431\u043e\u0448\u049b\u0430 \u043c\u043e\u043b\u0438\u044f\u0432\u0438\u0439 \u0436\u0438\u04b3\u0430\u0442\u043b\u0430\u0440\u043d\u0438 \u0431\u0430\u04b3\u043e\u043b\u0430\u0448 \u0443\u0447\u0443\u043d \u043a\u0435\u043d\u0433 \u049b\u045e\u043b\u043b\u0430\u043d\u0438\u043b\u0430\u0434\u0438.<\/strong><\/p>\n<p><strong>\u041c\u0438\u0441\u043e\u043b \u0443\u0447\u0443\u043d, \u043b\u043e\u0439\u0438\u04b3\u0430 \u0451\u043a\u0438 \u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0446\u0438\u044f \u049b\u0438\u0439\u043c\u0430\u0442\u0438\u043d\u0438 \u04b3\u0438\u0441\u043e\u0431\u043b\u0430\u0448\u0434\u0430 \u043d\u0430\u0444\u0430\u049b\u0430\u0442 \u043a\u0435\u043b\u0430\u0436\u0430\u043a\u0434\u0430 \u043e\u043b\u0438\u043d\u0430\u0434\u0438\u0433\u0430\u043d \u043f\u0443\u043b \u043c\u0438\u049b\u0434\u043e\u0440\u0438, \u0431\u0430\u043b\u043a\u0438 \u0443\u043d\u0438\u043d\u0433 \u0432\u0430\u049b\u0442 \u049b\u0438\u0439\u043c\u0430\u0442\u0438, \u044f\u044a\u043d\u0438 \u0443\u0448\u0431\u0443 \u043f\u0443\u043b\u043d\u0438 \u04b3\u043e\u0437\u0438\u0440 \u043a\u045e\u043f\u0430\u0439\u0442\u0438\u0440\u0438\u0448 \u0451\u043a\u0438 \u0438\u0441\u0442\u0435\u044a\u043c\u043e\u043b \u049b\u0438\u043b\u0438\u0448 \u0438\u043c\u043a\u043e\u043d\u0438\u044f\u0442\u0438 \u04b3\u0430\u043c \u04b3\u0438\u0441\u043e\u0431\u0433\u0430 \u043e\u043b\u0438\u043d\u0430\u0434\u0438.<\/strong><\/p>\n<p><strong>\u041f\u0443\u043b\u043d\u0438\u043d\u0433 \u0432\u0430\u049b\u0442 \u049b\u0438\u0439\u043c\u0430\u0442\u0438\u043d\u0438 \u0440\u0430\u0441\u043c\u0438\u0439\u043b\u0430\u0448\u0442\u0438\u0440\u0438\u0448:<\/strong><\/p>\n<p><strong>\u041f\u0443\u043b\u043d\u0438\u043d\u0433 \u0432\u0430\u049b\u0442 \u049b\u0438\u0439\u043c\u0430\u0442\u0438\u043d\u0438 \u0440\u0430\u0441\u043c\u0438\u0439\u043b\u0430\u0448\u0442\u0438\u0440\u0438\u0448 \u0442\u0443\u0440\u043b\u0438 \u043c\u0430\u0442\u0435\u043c\u0430\u0442\u0438\u043a \u0444\u043e\u0440\u043c\u0443\u043b\u0430\u043b\u0430\u0440 \u0451\u0440\u0434\u0430\u043c\u0438\u0434\u0430 \u0438\u0444\u043e\u0434\u0430\u043b\u0430\u043d\u0438\u0448\u0438 \u043c\u0443\u043c\u043a\u0438\u043d, \u043c\u0430\u0441\u0430\u043b\u0430\u043d, \u0444\u043e\u0438\u0437 \u0441\u0442\u0430\u0432\u043a\u0430\u0441\u0438 \u0432\u0430 \u0432\u0430\u049b\u0442\u043d\u0438 \u04b3\u0438\u0441\u043e\u0431\u0433\u0430 \u043e\u043b\u0433\u0430\u043d \u04b3\u043e\u043b\u0434\u0430 \u043f\u0443\u043b \u043c\u0438\u049b\u0434\u043e\u0440\u0438\u043d\u0438\u043d\u0433 \u043a\u0435\u043b\u0430\u0436\u0430\u043a\u0434\u0430\u0433\u0438 \u049b\u0438\u0439\u043c\u0430\u0442\u0438\u043d\u0438 (\u0424\u0412) \u0451\u043a\u0438 \u04b3\u043e\u0437\u0438\u0440\u0433\u0438 \u049b\u0438\u0439\u043c\u0430\u0442\u0438\u043d\u0438 (\u041f\u0412) \u04b3\u0438\u0441\u043e\u0431\u043b\u0430\u0448 \u0444\u043e\u0440\u043c\u0443\u043b\u0430\u0441\u0438.<\/strong><\/p>\n<p><strong>\u041c\u0430\u0441\u0430\u043b\u0430\u043d, \u043a\u0435\u043b\u0430\u0436\u0430\u043a\u0434\u0430\u0433\u0438 \u049b\u0438\u0439\u043c\u0430\u0442\u043d\u0438 (\u0424\u0412) \u04b3\u0438\u0441\u043e\u0431\u043b\u0430\u0448 \u0444\u043e\u0440\u043c\u0443\u043b\u0430\u0441\u0438\u043d\u0438 \u049b\u0443\u0439\u0438\u0434\u0430\u0433\u0438\u0447\u0430 \u0438\u0444\u043e\u0434\u0430\u043b\u0430\u0448 \u043c\u0443\u043c\u043a\u0438\u043d:<\/strong><\/p>\n<p><strong>\u0424\u0412 = \u041f\u0412 \u0445 (1 + \u0440)^\u043d<\/strong><\/p>\n<p><strong>\u049a\u0430\u0435\u0440\u0434\u0430:<\/strong><\/p>\n<p><strong>\u2013 \u0424\u0412 \u2013 \u043a\u0435\u043b\u0430\u0436\u0430\u043a\u0434\u0430\u0433\u0438 \u049b\u0438\u0439\u043c\u0430\u0442<\/strong><\/p>\n<p><strong>\u2013 \u041f\u0412 \u2013 \u0436\u043e\u0440\u0438\u0439 \u049b\u0438\u0439\u043c\u0430\u0442 (\u04b3\u043e\u0437\u0438\u0440\u0433\u0438 \u049b\u0438\u0439\u043c\u0430\u0442)<\/strong><\/p>\n<p><strong>\u2013 \u0440 \u2013 \u0444\u043e\u0438\u0437 \u0441\u0442\u0430\u0432\u043a\u0430\u0441\u0438 (\u0434\u0438\u0441\u043a\u043e\u043d\u0442 \u0441\u0442\u0430\u0432\u043a\u0430\u0441\u0438)<\/strong><\/p>\n<p><strong>\u2013 \u043d \u2013 \u0432\u0430\u049b\u0442 \u0434\u0430\u0432\u0440\u043b\u0430\u0440\u0438 \u0441\u043e\u043d\u0438<\/strong><\/p>\n<p><strong>\u0423\u0448\u0431\u0443 formula \u0432\u0430\u049b\u0442 \u0432\u0430 \u0444\u043e\u0438\u0437 \u0441\u0442\u0430\u0432\u043a\u0430\u043b\u0430\u0440\u0438\u043d\u0438 \u04b3\u0438\u0441\u043e\u0431\u0433\u0430 \u043e\u043b\u0433\u0430\u043d \u04b3\u043e\u043b\u0434\u0430 \u043f\u0443\u043b\u043d\u0438\u043d\u0433 \u04b3\u043e\u0437\u0438\u0440\u0433\u0438 \u049b\u0438\u0439\u043c\u0430\u0442\u0438\u043d\u0438 \u043a\u0435\u043b\u0430\u0436\u0430\u043a\u0434\u0430\u0433\u0438 \u049b\u0438\u0439\u043c\u0430\u0442\u0433\u0430 \u049b\u0430\u043d\u0434\u0430\u0439 \u0430\u0439\u043b\u0430\u043d\u0442\u0438\u0440\u0438\u0448 \u043c\u0443\u043c\u043a\u0438\u043d\u043b\u0438\u0433\u0438\u043d\u0438 \u043a\u045e\u0440\u0441\u0430\u0442\u0430\u0434\u0438.<\/strong><\/p>\n<p><strong>\u041f\u0443\u043b\u043d\u0438\u043d\u0433 \u0432\u0430\u049b\u0442 \u049b\u0438\u0439\u043c\u0430\u0442\u0438\u043d\u0438\u043d\u0433 \u0431\u043e\u0448\u049b\u0430 \u0444\u043e\u0440\u043c\u0443\u043b\u0430\u043b\u0430\u0440\u0438:<\/strong><\/p>\n<p><strong>\u041a\u0435\u043d\u0433\u0430\u0439\u0442\u043c\u0430:<\/strong><\/p>\n<p><strong>\u041e\u0434\u0434\u0438\u0439 \u0444\u043e\u0438\u0437 \u0441\u0442\u0430\u0432\u043a\u0430\u0441\u0438: \u0421 = \u041f(1 + \u043d\u0442)<\/strong><\/p>\n<p><strong>\u041c\u0443\u0440\u0430\u043a\u043a\u0430\u0431 \u0444\u043e\u0438\u0437: \u0421 = \u041f(1 + \u0438\/\u043d)^(\u043d\u0442)<\/strong><\/p>\n<p><strong>\u0427\u0435\u0433\u0438\u0440\u043c\u0430:<\/strong><\/p>\n<p><strong>\u041e\u0434\u0434\u0438\u0439 \u0444\u043e\u0438\u0437 \u0441\u0442\u0430\u0432\u043a\u0430\u0441\u0438: \u041f = \u0421 \/ (1 + \u043d\u0442)<\/strong><\/p>\n<p><strong>\u041c\u0443\u0440\u0430\u043a\u043a\u0430\u0431 \u0444\u043e\u0438\u0437: \u041f = \u0421 \/ [(1 + \u0438\/\u043d)^(\u043d\u0442)]<\/strong><\/p>\n<p><strong>\u049a\u0430\u0435\u0440\u0434\u0430:<\/strong><\/p>\n<p><strong>\u0421 \u2013 \u043a\u0435\u043b\u0430\u0436\u0430\u043a\u0434\u0430\u0433\u0438 (\u0439\u0438\u0493\u0438\u043b\u0433\u0430\u043d) \u049b\u0438\u0439\u043c\u0430\u0442<\/strong><\/p>\n<p><strong>\u041f \u2013 \u0436\u043e\u0440\u0438\u0439 (\u04b3\u043e\u0437\u0438\u0440\u0433\u0438) \u049b\u0438\u0439\u043c\u0430\u0442<\/strong><\/p>\n<p><strong>\u0438 \u2013 \u0439\u0438\u043b\u043b\u0438\u043a \u0444\u043e\u0438\u0437 \u0441\u0442\u0430\u0432\u043a\u0430\u0441\u0438<\/strong><\/p>\n<p><strong>\u043d \u2013 \u0439\u0438\u043b\u043b\u0438\u043a \u04b3\u0438\u0441\u043e\u0431\u043b\u0430\u0448 \u0434\u0430\u0432\u0440\u043b\u0430\u0440\u0438 \u0441\u043e\u043d\u0438 (\u043c\u0430\u0441\u0430\u043b\u0430\u043d, \u043e\u0439\u043b\u0430\u0440)<\/strong><\/p>\n<p><strong>\u0442 \u2013 \u0439\u0438\u043b\u043b\u0430\u0440 \u0441\u043e\u043d\u0438<\/strong><\/p>\n<p><strong>\u041c\u0438\u0441\u043e\u043b\u043b\u0430\u0440:<\/strong><\/p>\n<p><strong>1-\u043c\u0438\u0441\u043e\u043b: \u0421\u0438\u0437 5 \u0439\u0438\u043b \u0438\u0447\u0438\u0434\u0430 10 000 \u0435\u0432\u0440\u043e \u0442\u0435\u0436\u0430\u0448\u043d\u0438 \u0445\u043e\u04b3\u043b\u0430\u0439\u0441\u0438\u0437. \u0419\u0438\u043b\u043b\u0438\u043a \u0444\u043e\u0438\u0437 \u0441\u0442\u0430\u0432\u043a\u0430\u0441\u0438 10% \u0431\u045e\u043b\u0441\u0430, \u0431\u0443\u0433\u0443\u043d \u049b\u0430\u043d\u0447\u0430 \u043f\u0443\u043b \u049b\u045e\u0439\u0438\u0448 \u043a\u0435\u0440\u0430\u043a?<\/strong><\/p>\n<p><strong>\u0415\u0447\u0438\u043c:<\/strong><\/p>\n<p><strong>\u041c\u0443\u0440\u0430\u043a\u043a\u0430\u0431 \u0444\u043e\u0438\u0437 \u0444\u043e\u0440\u043c\u0443\u043b\u0430\u0441\u0438\u0434\u0430\u043d \u0444\u043e\u0439\u0434\u0430\u043b\u0430\u043d\u0430\u043c\u0438\u0437:<\/strong><\/p>\n<p><strong>\u0421 = 10 000 \u0435\u0432\u0440\u043e = \u041f (1 + 0,1)^5<\/strong><\/p>\n<p><strong>\u041f = 10 000 \u0435\u0432\u0440\u043e \/ (1 + 0,1)^5 = 6830,10 \u0435\u0432\u0440\u043e<\/strong><\/p>\n<p><strong>5 \u0439\u0438\u043b \u0438\u0447\u0438\u0434\u0430 10 000 \u0435\u0432\u0440\u043e \u043e\u043b\u0438\u0448 \u0443\u0447\u0443\u043d \u0441\u0438\u0437 \u0431\u0443\u0433\u0443\u043d 6830,10 \u0435\u0432\u0440\u043e \u0434\u0435\u043f\u043e\u0437\u0438\u0442\u0433\u0430 \u049b\u045e\u0439\u0438\u0448\u0438\u043d\u0433\u0438\u0437 \u043a\u0435\u0440\u0430\u043a.<\/strong><\/p>\n<p><strong>2-\u043c\u0438\u0441\u043e\u043b: \u0421\u0438\u0437 \u043b\u043e\u0442\u0435\u0440\u0435\u044f\u0434\u0430 100 000 \u0435\u0432\u0440\u043e \u044e\u0442\u0438\u0431 \u043e\u043b\u0434\u0438\u043d\u0433\u0438\u0437, \u043b\u0435\u043a\u0438\u043d \u04b3\u043e\u0437\u0438\u0440 \u0431\u0443 \u0441\u0438\u0437\u0433\u0430 \u043a\u0435\u0440\u0430\u043a \u0435\u043c\u0430\u0441. \u0419\u0438\u043b\u043b\u0438\u043a \u0434\u0430\u0440\u043e\u043c\u0430\u0434 \u043e\u043b\u0438\u0448 \u0443\u0447\u0443\u043d \u0443\u043d\u0438 \u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0446\u0438\u044f \u049b\u0438\u043b\u043c\u043e\u049b\u0447\u0438\u0441\u0438\u0437. \u0419\u0438\u043b\u0438\u0433\u0430 8% \u0431\u0438\u043b\u0430\u043d \u043f\u0443\u043b \u049b\u045e\u0439\u0441\u0430\u043d\u0433\u0438\u0437, \u049b\u0430\u043d\u0447\u0430 \u043e\u043b\u0430\u0441\u0438\u0437?<\/strong><\/p>\n<p><strong>\u0415\u0447\u0438\u043c:<\/strong><\/p>\n<p><strong>\u041c\u0443\u0440\u0430\u043a\u043a\u0430\u0431 \u0444\u043e\u0438\u0437 \u0444\u043e\u0440\u043c\u0443\u043b\u0430\u0441\u0438\u0434\u0430\u043d \u0444\u043e\u0439\u0434\u0430\u043b\u0430\u043d\u0430\u043c\u0438\u0437:<\/strong><\/p>\n<p><strong>\u0421 = 100 000 \u0435\u0432\u0440\u043e (1 + 0,08) ^ \u0442<\/strong><\/p>\n<p><strong>\u0442 = \u043b\u043e\u0433 (\u0421 \/ 100,000) \/ \u043b\u043e\u0433 (1 + 0,08) = 10,38 \u0439\u0438\u043b<\/strong><\/p>\n<p><strong>\u0419\u0438\u043b\u043b\u0438\u043a 8 000 \u0435\u0432\u0440\u043e (100 000 \u0435\u0432\u0440\u043e 0,08) \u0434\u0430\u0440\u043e\u043c\u0430\u0434 \u043e\u043b\u0430\u0441\u0438\u0437.<\/strong><\/p>\n<p><strong>\u041f\u0443\u043b\u043d\u0438\u043d\u0433 \u0432\u0430\u049b\u0442 \u049b\u0438\u0439\u043c\u0430\u0442\u0438 \u0431\u043e\u0440\u043b\u0438\u0433\u0438\u043d\u0438 \u04b3\u0438\u0441\u043e\u0431\u0433\u0430 \u043e\u043b\u0438\u0431, \u043c\u043e\u043b\u0438\u044f\u0432\u0438\u0439 \u049b\u0430\u0440\u043e\u0440\u043b\u0430\u0440\u043d\u0438 \u0440\u0435\u0436\u0430\u043b\u0430\u0448\u0442\u0438\u0440\u0438\u0448\u0434\u0430 \u0443\u0448\u0431\u0443 \u043e\u043c\u0438\u043b\u043d\u0438 \u04b3\u0438\u0441\u043e\u0431\u0433\u0430 \u043e\u043b\u0438\u0448 \u043a\u0435\u0440\u0430\u043a.<\/strong><\/p>\n<p><strong>\u0423\u043c\u0443\u043c\u0430\u043d \u043e\u043b\u0433\u0430\u043d\u0434\u0430, \u043f\u0443\u043b\u043d\u0438\u043d\u0433 \u0432\u0430\u049b\u0442 \u049b\u0438\u0439\u043c\u0430\u0442\u0438 \u043c\u043e\u043b\u0438\u044f\u0432\u0438\u0439 \u0444\u0430\u043e\u043b\u0438\u044f\u0442\u0434\u0430, \u043e\u0434\u0430\u043c\u043b\u0430\u0440 \u0432\u0430 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u044f\u043b\u0430\u0440\u0433\u0430 \u0442\u0443\u0440\u043b\u0438 \u0432\u0430\u049b\u0442\u043b\u0430\u0440\u0434\u0430 \u045e\u0437 \u0440\u0435\u0441\u0443\u0440\u0441\u043b\u0430\u0440\u0438\u0434\u0430\u043d \u0435\u043d\u0433 \u044f\u0445\u0448\u0438 \u0444\u043e\u0439\u0434\u0430\u043b\u0430\u043d\u0438\u0448 \u0442\u045e\u0493\u0440\u0438\u0441\u0438\u0434\u0430 \u049b\u0430\u0440\u043e\u0440 \u049b\u0430\u0431\u0443\u043b \u049b\u0438\u043b\u0438\u0448\u0433\u0430 \u0451\u0440\u0434\u0430\u043c \u0431\u0435\u0440\u0438\u0448\u0434\u0430 \u0430\u0441\u043e\u0441\u0438\u0439 \u0440\u043e\u043b \u045e\u0439\u043d\u0430\u0439\u0434\u0438.<\/strong><\/p>\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>Pulning vaqt qiymati pul kontekstida vaqt qiymatini aks ettiruvchi moliyadagi asosiy tushunchadir.<\/p>\n","protected":false},"author":1,"featured_media":3399,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[13,8],"tags":[],"class_list":["post-3398","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-its-interesting","category-press"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.8 - aioseo.com -->\n\t<meta name=\"description\" content=\"Pulning vaqt qiymati pul kontekstida vaqt qiymatini aks ettiruvchi moliyadagi asosiy tushunchadir.\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" content=\"admin\"\/>\n\t<link rel=\"canonical\" href=\"https:\/\/invexi.org\/uz\/press\/time-value-of-money-theory-of-time-value-of-money-time-value-of-money-considering-time-factor\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 4.9.8\" \/>\n\t\t<meta 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