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1. :‫ﺁﺧﺮﯾﻦ ﺯﻣﺎﻥ ﺑﺮﻭﺯﺭﺳﺎﻧﯽ‬1399/07/24:‫ﻣﺪﺕ ﺯﻣﺎﻥ ﺧﻮﺍﻧﺪﻥ‬‫3 ﺩﻗﯿﻘﻪ‬
‫ ﮔﺬﺍﺭﯼ‬‫ﻪ‬‫ﺩﯾﺪﮔﺎﻩ ﺳﺮﻣﺎﯾ‬
‫ ﮐﻨﻨﺪ‬‫ﯽ‬‫ ﮔﺮﺍﯾﯽ ﺍﺳﺖ ﻫﻤﻮﺍﺭﻩ ﺗﻤﺎﻣﯽ ﺍﻧﺴﺎﻥ ﻫﺎ ﺗﻼﺵ ﻣ‬‫ﻝ‬‫ﯾﮑﯽ ﺍﺯ ﻣﻠﻤﻮﺱ ﺗﺮﯾﻦ ﺍﺣﺴﺎﺳﺎﺕ ﺍﻧﺴﺎﻥ ﮐﻤﺎ‬
‫ﭘﺲ‬ ‫ﺁﻭﺭﻧﺪ‬ ‫ﺑﺪﺳﺖ‬ ‫ﺧﻮﺩ‬ ‫ﺯﻧﺪﮔﯽ‬ ‫ﻃﻮﻝ‬ ‫ﺩﺭ‬ ‫ﺭﺍ‬ ‫ﻧﻈﺮ‬ ‫ﻣﻮﺭﺩ‬ ‫ﺁﺭﺍﻣﺶ‬ ‫ﻭ‬ ‫ﻋﻮﺍﻃﻒ‬ ،‫ﺳﻼﻣﺘﯽ‬ ،‫ﺛﺮﻭﺕ‬ ،‫ﺷﻐﻞ‬
‫ﻭ‬ ‫ﮐﺎﺭ‬ ‫ﻭ‬ ‫ﮐﺴﺐ‬ ‫ﺩﺍﺩﻥ‬ ‫ﭘﯿﺸﺮﻓﺖ‬ ،‫ﻣﺎﻟﯽ‬ ‫ ﻫﺎﯼ‬‫ﻪ‬‫ﺍﻧﺪﻭﺧﺘ‬ ‫ﺑﻪ‬ ‫ﺭﺳﯿﺪﻥ‬ ‫ﺍﻧﺴﺎﻥ‬ ‫ﻫﺪﻑ‬ ‫ﺗﺮﯾﻦ‬ ‫ﺑﺰﺭﮒ‬ ‫ﺍﺯ‬ ‫ﯾﮑﯽ‬
‫ﺭﺳﯿﺪﻥ ﺑﻪ ﯾﮏ ﺩﺭﺁﻣﺪ ﺛﺎﺑﺖ ﺍﺳﺖ. ﺩﺭ ﺩﻭﺭﻩ ﻫﺎ ﻭ ﺯﻣﺎﻥ ﻫﺎﯼ ﻣﺨﺘﻠﻒ ﺭﺳﯿﺪﻥ ﺑﻪ ﺍﯾﻦ ﻫﺪﻑ ﻣﺘﻔﺎﻭﺕ‬
‫ﺑﻮﺩﻩ ﺍﺳﺖ ﮐﻪ ﺩﺭ ﺍﯾﻦ ﺑﺨﺶ ﻣﺎ ﺍﻧﻮﺍﻉ ﻣﺴﯿﺮ ﻫﺎﯾﯽ ﮐﻪ ﺑﺮﺍﯼ ﺭﺳﯿﺪﻥ ﺑﻪ ﺍﯾﻦ ﻫﺪﻑ ﻫﺴﺖ ﺭﺍ ﺩﯾﺪﮔﺎﻩ‬
.‫ ﻧﺎﻣﯿﻢ ﺩﯾﺪﮔﺎﻩ ﺍﻗﺘﺼﺎﺩﯼ ﻣﺎ ﻭ ﺩﯾﺪﮔﺎﻩ ﺍﻗﺘﺼﺎﺩﯼ ﺷﻤﺎ‬‫ﯽ‬‫ﻣ‬
‫ﺍﻧﺘﺨﺎﺏ ﻣﻄﻤﺌﻦ‬
‫ﺧﻮﺩ‬ ‫ﻫﺪﻑ‬ ‫ﺩﺭ‬ ‫ﺧﻮﺩ‬ ‫ ﮔﺬﺍﺭﯼ‬‫ﻪ‬‫ﺳﺮﻣﺎﯾ‬ ‫ﺷﺮﻭﻉ‬ ‫ﻧﯿﺎﺯﻣﻨﺪ‬ ‫ﺷﻤﺎ‬ ‫ﻣﻨﺎﺳﺐ‬ ‫ﺩﯾﺪﮔﺎﻩ‬ ‫ﯾﮏ‬ ‫ﺩﺍﺷﺘﻦ‬ ‫ﺍﺯ‬ ‫ﺑﻌﺪ‬
‫ ﮔﺬﺍﺭﯼ ﭘﺮ ﺳﻮﺩ ﺑﺎ‬‫ﻪ‬‫ ﺑﺎﺷﯿﺪ. ﺩﺭ ﺍﯾﻨﺠﺎ ﻣﻌﻨﯽ ﺍﻧﺘﺨﺎﺏ ﻣﻄﻤﺌﻦ، ﺍﻃﻤﯿﻨﺎﻥ ﺧﺎﻃﺮ ﺷﻤﺎ ﺍﺯ ﯾﮏ ﺳﺮﻣﺎﯾ‬‫ﯽ‬‫ﻣ‬
‫ﻫﺎ‬ ‫ﺑﺎﻧﮏ‬ ،‫ﺳﻮﺩﺩﻫﯽ‬ ‫ﺭﺍﻩ‬ ‫ﺗﺮﯾﻦ‬ ‫ﺍﻣﻦ‬ ‫ﮐﻪ‬ ‫ﺍﺳﺖ‬ ‫ﺫﮐﺮ‬ ‫ﺷﺎﯾﺎﻥ‬ .‫ﺍﺳﺖ‬ ‫ﺳﺎﻝ‬ ‫ﻣﺎﻩ‬ 12 ‫ﺩﺭ‬ ‫ﮐﻢ‬ ‫ﺭﯾﺴﮏ‬
.‫ ﺑﺎﺷﻨﺪ‬‫ﯽ‬‫ﻣ‬
‫ﺧﺮﯾﺪ ﻭ ﻓﺮﻭﺵ ﺍﻧﻮﺍﻉ ﺩﺳﺘﮕﺎﻩ‬ :‫ ﺷﻮﺩ‬‫ﯽ‬‫ﺧﻮﺍﻧﺪﻥ ﺍﯾﻦ ﻣﻄﻠﺐ ﺑﻪ ﺷﻤﺎ ﭘﯿﺸﻨﻬﺎﺩ ﻣ‬
‫ﺧﻮﺩﭘﺮﺩﺍﺯ‬
‫ﻧﺤﻮﻩ ﺳﻮﺩﺩﻫﯽ ﺧﻮﺩﭘﺮﺩﺍﺯ‬
‫ﺍﺯ ﺯﻣﺎﻧﯿﮑﻪ ﺑﺎﻧﮏ ﻫﺎ ﺳﻮﺋﯿﭻ ﻫﺎﯼ ﺷﺨﺼﯽ ﺭﺍ ﺍﺭﺍﺋﻪ ﺩﺍﺩﻧﺪ ﻭ ﺧﺮﯾﺪ ﺧﻮﺩﭘﺮﺩﺍﺯ ﻫﺎ ﺑﻪ ﺻﻮﺭﺕ ﺍﻧﻔﺮﺍﺩﯼ‬
;‫ ﮐﻨﯿﻢ‬‫ﯽ‬‫ﻣ‬ ‫ﺗﺮﻧﮕﺎﻩ‬ ‫ﺟﺪﯼ‬ ‫ﺷﺪ‬ ‫ﮔﻔﺘﻪ‬ ‫ﺧﻮﺩﭘﺮﺩﺍﺯ‬ ‫ﻫﺎﯼ‬ ‫ﺳﻮﺩﺩﻫﯽ‬ ‫ﺍﺯ‬ ‫ﺳﯿﺎﻩ‬ ‫ﺑﺎﺯﺍﺭ‬ ‫ﺩﺭ‬ ‫ﮔﻔﺘﮕﻮﻫﺎﯾﯽ‬ ‫ﺷﺪ‬ ‫ﺁﻏﺎﺯ‬
‫ﺧﻮﺩﭘﺮﺩﺍﺯ ﻫﺎ ﺩﻭ ﻧﻮﻉ ﺳﻮﺩﺩﻫﯽ ﺩﺍﺭﻧﺪ ﺍﺻﻠﯽ ﺗﺮﯾﻦ ﺁﻥ ﻫﺎ ﺑﺮﺩﺍﺷﺖ ﻭﺟﻪ ﻧﻘﺪ ﺍﺳﺖ ﺑﺪﯾﻦ ﻣﻨﻈﻮﺭ ﮐﻪ‬
‫ﮔﺮﻓﺘﻪ‬ ‫ﻧﻈﺮ‬ ‫ﺩﺭ‬ ‫ﻣﺒﻠﻐﯽ‬ ‫ﺷﻤﺎ‬ ‫ﺑﺮﺍﯼ‬ ‫ﺷﺪ‬ ‫ﺧﺎﺭﺝ‬ ‫ﻣﺸﺘﺮﯾﺎﻥ‬ ‫ﻭﺳﯿﻠﻪ‬ ‫ﺑﻪ‬ ‫ﺷﻤﺎ‬ ‫ﺩﺳﺘﮕﺎﻩ‬ ‫ﺍﺯ‬ ‫ﻧﻘﺪﯼ‬ ‫ﻭﺟﻪ‬ ‫ﻫﺮ‬
‫ ﺷﻮﺩ ﯾﻌﻨﯽ ﺑﻪ ﺍﺯﺍﯼ ﻫﺮ 1 ﻣﯿﻠﯿﻮﻥ ﺗﻮﻣﺎﻥ ﺑﺮﺩﺍﺷﺖ ﻭﺟﻪ ﻧﻘﺪ ﺍﺯ ﺧﻮﺩﭘﺮﺩﺍﺯ ﺷﻤﺎ 6 ﻫﺰﺍﺭ 006 ﺗﻮﻣﺎﻥ‬‫ﯽ‬‫ﻣ‬
‫ﺍﯾﻦ‬ ‫ﺑﻪ‬ ‫ﺍﯾﻦ‬ ‫ﻫﻤﻮﺍﺭﻩ‬ (‫ﺧﻮﺩﭘﺮﺩﺍﺯ‬ ‫ﺍﺯ‬ ‫ﺩﺭﯾﺎﻓﺘﯽ‬ ‫ﻣﺒﻠﻎ‬ ‫ﮐﻞ‬ ‫ﺩﺭﺻﺪ‬ 1.1) ‫ ﺁﻭﺭﯾﺪ‬‫ﯽ‬‫ﻣ‬ ‫ﺍﺭﻣﻐﺎﻥ‬ ‫ﺑﻪ‬ ‫ﺳﻮﺩﺩﻫﯽ‬
‫ﺗﻮﻣﺎﻥ‬ ‫ﻣﯿﻠﯿﻮﻥ‬ 15 ‫ﺣﺪﺍﻗﻞ‬ ‫ﺭﻭﺯ‬ ‫ﻃﻮﻝ‬ ‫ﺩﺭ‬ ‫ﺑﺎﻧﮏ‬ ‫ﺑﻪ‬ ‫ﻫﺎ‬ ‫ﺧﻮﺩﭘﺮﺩﺍﺯ‬ ‫ﺗﺮﯾﻦ‬ ‫ﻧﺰﺩﯾﮏ‬ ‫ﮐﻪ‬ ‫ﺍﺳﺖ‬ ‫ﻣﻨﻈﻮﺭ‬
.‫ﺑﺮﺩﺍﺷﺖ ﻭﺟﻪ ﻧﻘﺪ ﺩﺍﺭﻧﺪ ﮐﻪ ﺑﺮﺍﺑﺮ ﺍﺳﺖ ﺑﺎ 561 ﻫﺰﺍﺭ ﺗﻮﻣﺎﻥ ﺳﻮﺩﺩﻫﯽ‬
‫ﻧﺤﻮﻩ‬ .‫ﺍﺳﺖ‬ ‫ﺍﻟﮑﺘﺮﻭﻧﯿﮑﯽ‬ ‫ﺧﺪﻣﺎﺕ‬ ‫ﮐﺎﺭﻣﺰﺩ‬ ‫ﺧﻮﺩﭘﺮﺩﺍﺯ‬ ‫ﺩﺳﺘﮕﺎﻩ‬ ‫ﺍﺯ‬ ‫ﺑﺮﺩﺍﺭﯼ‬ ‫ﺑﻬﺮﻩ‬ ‫ﺍﺯ‬ ‫ﺩﯾﮕﺮﯼ‬ ‫ﺑﺨﺶ‬
.‫ﺳﻮﺩﺩﻫﯽ ﺩﺭ ﺟﺪﻭﻝ ﺫﯾﻞ ﻣﺸﺨﺺ ﺷﺪﻩ ﺍﺳﺖ‬
‫ ﮔﺬﺍﺭﯼ ﻭ ﻧﺤﻮﻩ ﺳﻮﺩﺩﻫﯽ ﺧﻮﺩﭘﺮﺩﺍﺯ‬‫ﻪ‬‫ﺳﺮﻣﺎﯾ‬
‫ﺻﻔﺤﻪ ﺍﺻﻠﯽ‬‫ ﮔﺬﺍﺭﯼ ﻭ ﻧﺤﻮﻩ ﺳﻮﺩﺩﻫﯽ‬‫ﻪ‬‫ﺳﺮﻣﺎﯾ‬
‫ﻧﻮﻉ ﻋﻤﻠﯿﺎﺕ ﺑﺎﻧﮑﯽ‬‫ﻧﻮﻉ ﮐﺎﺭﺕ ﺑﺎﻧﮑﯽ‬(‫)ﺗﻮﻣﺎﻥ‬ ‫ﺳﻮﺩ ﮐﻠﯽ ﮐﺎﺭﻣﺰﺩ ﺗﺮﺍﮐﻨﺶ‬‫ﺳﻮﺩ ﺷﺨﺺ‬
‫ﺑﺮﺩﺍﺷﺖ ﻭﺟﻪ ﻧﻘﺪ‬‫ﮐﺎﺭﺕ ﻫﺎﯼ ﻋﻀﻮ ﺷﺘﺎﺏ‬‫%1.1 * ﻣﺒﻠﻎ ﺑﺮﺩﺍﺷﺖ ﺷﺪﻩ‬‫06 ﺩﺭﺻﺪ ﮐﺎﺭﻣﺰﺩ‬


2. ‫ ﺩﻫﯽ ﺧﻮﺩﭘﺮﺩﺍﺯ ﺑﺎ ﺑﺎﻧﮏ‬‫ﺩ‬‫ﻣﻘﺎﯾﺴﻪ ﺳﻮ‬
‫)ﺳﭙﺮﺩﻩ‬ ‫ﺑﺎﻧﮏ‬ ‫ﺩﺭ‬ ‫ﭘﻮﻝ‬ ‫ﺍﯾﻦ‬ ‫ﮐﻪ‬ ‫ﺍﺳﺖ‬ ‫ﺗﻮﻣﺎﻥ‬ ‫ﻣﯿﻠﯿﻮﻥ‬ 50 ‫ﺷﺪﻩ‬ ‫ ﮔﺬﺍﺭﯼ‬‫ﻪ‬‫ﺳﺮﻣﺎﯾ‬ ‫ﻣﺒﻠﻎ‬ ‫ﺟﺪﻭﻝ‬ ‫ﺍﯾﻦ‬ ‫ﺩﺭ‬
‫ ﺻﺮﻑ ﺧﺮﯾﺪ‬ATM ‫ ﮔﺬﺍﺭﯼ‬‫ﻪ‬‫ ﮔﺬﺍﺭﯼ ﮐﺎﻣﻞ ﺷﺪﻩ ﻭﻟﯽ ﺩﺭ ﺳﺮﻣﺎﯾ‬‫ﻪ‬‫ ﻣﺪﺕ ﺑﺎ ﺳﻮﺩ 51 ﺩﺭﺻﺪﯼ( ﺳﺮﻣﺎﯾ‬‫ﺪ‬‫ﺑﻠﻨ‬
.‫ ﮔﺬﺍﺭﯼ ﺷﺪﻩ ﺍﺳﺖ‬‫ﻝ‬‫ﺩﺳﺘﮕﺎﻩ ﻭ ﭘﻮ‬
‫ ﻫﺎﯼ‬‫ﻩ‬‫ﺿﻤﻨﺎ 3 ﻣﯿﻠﯿﻮﻥ ﺗﻮﻣﺎﻥ ﺩﺭ ﻣﺎﻩ ﻣﯿﺎﻧﮕﯿﻦ ﻣﺒﻠﻎ ﺳﻮﺩﺩﻫﯽ ﺍﺳﺖ ﮐﻪ ﺧﻮﺩﭘﺮﺩﺍﺯ ﺩﺭ ﻣﺎ‬
.‫ ﺍﯾﻢ‬‫ﻩ‬‫ ﻫﺎ ﺭﺍ ﺑﺮ ﺍﯾﻦ ﻣﯿﺎﻧﮕﯿﻦ ﻣﺤﺎﺳﺒﻪ ﮐﺮﺩ‬‫ﻩ‬‫ﺍﻭﻝ ﺩﺍﺭﺩ، ﺍﻣﺎ ﻣﺎ ﺗﻤﺎﻣﯽ ﻣﺎ‬
‫ﺩﺭ ﻋﺼﺮ ﻫﺎﯼ ﻣﺘﻔﺎﻭﺕ ﻣﻘﺎﯾﺴﻪ ﺭﻭﻧﺪ ﺳﻮﺩﺩﻫﯽ ﻫﻤﻮﺍﺭﻩ ﺩﺭ ﮐﺴﺐ ﻭ ﮐﺎﺭ ﺭﺍﯾﺞ ﺑﻮﺩﻩ ﺑﺪﯾﻦ ﻣﻨﻈﻮﺭ ﮐﻪ‬
‫ ﮔﺬﺍﺭﯼ ﻭ ﺍﻓﺰﺍﯾﺶ ﺍﻧﺪﻭﺧﺘﻪ ﻣﺎﻟﯽ ﺧﻮﺩ ﺑﻮﺩﻩ ﺍﺳﺖ. ﻣﺎ‬‫ﻪ‬‫ﺍﻧﺴﺎﻥ ﻫﻤﯿﺸﻪ ﺑﻪ ﺩﻧﺒﺎﻝ ﭘﯿﺸﺮﻓﺖ ﺩﺭ ﺳﺮﻣﺎﯾ‬
‫ ﮔﺬﺍﺭﯼ‬‫ﻪ‬‫ﺳﺮﻣﺎﯾ‬ ‫ﺭﺍﻩ‬ ‫ﺗﺮﯾﻦ‬ ‫ﺍﻣﻦ‬ ‫ﮐﻪ‬ ‫ﻫﺎ‬ ‫ﺑﺎﻧﮏ‬ ‫ﺑﺎ‬ ‫ﺳﻮﺩﺩﻫﯽ‬ ‫ﺭﻭﻧﺪ‬ ‫ﻣﻘﺎﯾﺴﻪ‬ ‫ﻧﻤﻮﻧﻪ‬ ‫ﯾﮏ‬ ‫ﺑﺎﻻ‬ ‫ﺟﺪﻭﻝ‬ ‫ﺩﺭ‬
.‫ﻫﺴﺘﻨﺪ ﺭﺍ ﺑﻪ ﺷﻤﺎ ﻧﺸﺎﻥ ﺩﺍﺩﯾﻢ‬
‫ﺳﻮﺩ ﺧﺎﻟﺺ ﺧﻮﺩﭘﺮﺩﺍﺯ ﺷﺨﺼﯽ ﭼﻘﺪﺭ ﺍﺳﺖ؟‬
‫ﺳﻮﺩ‬ ‫ﻓﻘﻂ‬ ‫ﺗﻮﻣﺎﻥ‬ ‫ﻣﯿﻠﯿﻮﻥ‬ 3 ‫ﻣﯿﺎﻧﮕﯿﻦ‬ ‫ ﺻﻮﺭﺕ‬‫ﻪ‬‫ﺑ‬ ‫ﻣﺎﻫﯿﺎﻧﻪ‬ ‫ﺷﺪ‬ ‫ﺩﺍﺩﻩ‬ ‫ﺗﻮﺿﯿﺢ‬ ‫ﺑﺎﻻ‬ ‫ﺩﺭ‬ ‫ﮐﻪ‬ ‫ ﻃﻮﺭ‬‫ﻥ‬‫ﻫﻤﺎ‬
‫ﺗﻮﻣﺎﻥ‬ ‫ﻣﯿﻠﯿﻮﻥ‬ 10 ‫ﻓﻘﻂ‬ ‫ﺷﻤﺎ‬ ‫ﺩﺳﺘﮕﺎﻩ‬ ‫ﺭﻭﺯﺍﻧﻪ‬ ‫ﺍﮔﺮ‬ ‫ﺣﺎﻟﺖ‬ ‫ﺑﺪﺗﺮﯾﻦ‬ ‫ﺩﺭ‬ .‫ ﺑﺎﺷﺪ‬‫ﯽ‬‫ﻣ‬ ‫ﻧﻘﺪ‬ ‫ﻭﺟﻪ‬ ‫ﺩﺭﯾﺎﻓﺖ‬
‫ﺍﯾﻦ‬ ‫ﻭ‬ ‫ﺑﻮﺩ‬ ‫ﺧﻮﺍﻫﺪ‬ ‫ﺷﻤﺎ‬ ‫ﺳﻮﺩ‬ ‫ﺗﻮﻣﺎﻥ‬ ‫ﻣﯿﻠﯿﻮﻥ‬ 2.5 ‫ﺍﻟﯽ‬ 2 ‫ﻣﺎﻫﺎﻧﻪ‬ ‫ﺑﺎﺷﺪ‬ ‫ﺩﺍﺷﺘﻪ‬ ‫ﻧﻘﺪ‬ ‫ﻭﺟﻪ‬ ‫ﺗﺮﺍﮐﻨﺶ‬
.‫ ﺑﺎﺷﺪ‬‫ﯽ‬‫ﺑﺪﻭﻥ ﺍﺣﺘﺴﺎﺏ ﺗﺮﺍﮐﻨﺶ ﻏﯿﺮ ﻧﻘﺪﯼ ﻣ‬
‫ ﺷﻮﺩ: ﻧﺤﻮﻩ ﮐﺴﺐ ﺩﺭﺁﻣﺪ ﺍﺯ ﺧﻮﺩﭘﺮﺩﺍﺯ‬‫ﯽ‬‫ﺧﻮﺍﻧﺪﻥ ﺍﯾﻦ ﻣﻘﺎﻟﻪ ﺑﻪ ﺷﻤﺎ ﭘﯿﺸﻨﻬﺎﺩ ﻣ‬
‫ﻧﻮﻉ ﻋﻤﻠﯿﺎﺕ‬
‫ﺑﺎﻧﮑﯽ‬
‫ﻧﻮﻉ ﮐﺎﺭﺕ ﺑﺎﻧﮑﯽ‬
‫ﺳﻮﺩ ﮐﺎﺭﻣﺰﺩ ﺗﺮﺍﮐﻨﺶ‬
(‫)ﺗﻮﻣﺎﻥ‬
‫ﺍﻧﺘﻘﺎﻝ ﻭﺟﻪ‬
‫ﮐﺎﺭﺕ ﻫﺎﯼ ﻋﻀﻮ ﺷﺘﺎﺏ )ﻫﻤﻪ ﮐﺎﺭﺕ ﻫﺎ ﺑﻪ ﺟﺰﺀ ﺑﺎﻧﮏ‬
(‫ﭘﺬﯾﺮﻧﺪﻩ‬
300
‫ﭘﺮﺩﺍﺧﺖ ﻗﺒﻮﺽ‬‫ﻫﻤﻪ ﮐﺎﺭﺕ ﻫﺎ‬150
‫ﺧﺮﯾﺪ ﺷﺎﺭﮊ‬‫ﻫﻤﻪ ﮐﺎﺭﺕ ﻫﺎ‬150
‫ﻣﺎﻧﺪﻩ ﺣﺴﺎﺏ‬
‫ﮐﺎﺭﺕ ﻫﺎﯼ ﻋﻀﻮ ﺷﺘﺎﺏ )ﻫﻤﻪ ﮐﺎﺭﺕ ﻫﺎ ﺑﻪ ﺟﺰﺀ ﺑﺎﻧﮏ‬
(‫ﭘﺬﯾﺮﻧﺪﻩ‬
50
(‫)ﻣﺎﻫﯿﺎﻧﻪ‬ ‫ ﺩﻫﯽ ﺧﻮﺩﭘﺮﺩﺍﺯ‬‫ﺩ‬‫ﺳﻮ‬(‫)ﻣﺎﻫﯿﺎﻧﻪ‬ ‫ ﺩﻫﯽ ﺑﺎﻧﮏ‬‫ﺩ‬‫ﺳﻮ‬
‫ﻓﺮﻭﺭﺩﯾﻦ: 3 ﻣﯿﻠﯿﻮﻥ ﺗﻮﻣﺎﻥ‬‫ﻓﺮﻭﺭﺩﯾﻦ: 526 ﻫﺰﺍﺭ ﺗﻮﻣﺎﻥ‬
‫ﺍﺭﺩﯾﺒﻬﺸﺖ: 3 ﻣﯿﻠﯿﻮﻥ ﺗﻮﻣﺎﻥ‬‫ﺍﺭﺩﯾﺒﻬﺸﺖ: 236 ﻫﺰﺍﺭ ﺗﻮﻣﺎﻥ‬
‫ﺧﺮﺩﺍﺩ: 3 ﻣﯿﻠﯿﻮﻥ ﺗﻮﻣﺎﻥ‬‫ﺧﺮﺩﺍﺩ: 046 ﻫﺰﺍﺭ ﺗﻮﻣﺎﻥ‬
‫ﺗﯿﺮ: 3 ﻣﯿﻠﯿﻮﻥ ﺗﻮﻣﺎﻥ‬‫ﺗﯿﺮ: 846 ﻫﺰﺍﺭ ﺗﻮﻣﺎﻥ‬
‫ﻣﺮﺩﺍﺩ: 3 ﻣﯿﻠﯿﻮﻥ ﺗﻮﻣﺎﻥ‬‫ﻣﺮﺩﺍﺩ: 656 ﻫﺰﺍﺭ ﺗﻮﻣﺎﻥ‬
‫ﺷﻬﺮﯾﻮﺭ: 3 ﻣﯿﻠﯿﻮﻥ ﺗﻮﻣﺎﻥ‬‫ﺷﻬﺮﯾﻮﺭ: 466 ﻫﺰﺍﺭ ﺗﻮﻣﺎﻥ‬
‫ﻣﻬﺮ: 3 ﻣﯿﻠﯿﻮﻥ ﺗﻮﻣﺎﻥ‬‫ﻣﻬﺮ: 276 ﻫﺰﺍﺭ ﺗﻮﻣﺎﻥ‬
‫ﺁﺑﺎﻥ: 3 ﻣﯿﻠﯿﻮﻥ ﺗﻮﻣﺎﻥ‬‫ﺁﺑﺎﻥ: 086 ﻫﺰﺍﺭ ﺗﻮﻣﺎﻥ‬
‫ﺁﺫﺭ: 3 ﻣﯿﻠﯿﻮﻥ ﺗﻮﻣﺎﻥ‬‫ﺁﺫﺭ: 886 ﻫﺰﺍﺭ ﺗﻮﻣﺎﻥ‬
‫ﺩﯼ: 3 ﻣﯿﻠﯿﻮﻥ ﺗﻮﻣﺎﻥ‬‫ﺩﯼ: 696 ﻫﺰﺍﺭ ﺗﻮﻣﺎﻥ‬
‫ﺑﻬﻤﻦ: 3 ﻣﯿﻠﯿﻮﻥ ﺗﻮﻣﺎﻥ‬‫ﺑﻬﻤﻦ: 407 ﻫﺰﺍﺭ ﺗﻮﻣﺎﻥ‬
‫ﺍﺳﻔﻨﺪ: 3 ﻣﯿﻠﯿﻮﻥ ﺗﻮﻣﺎﻥ‬‫ﺍﺳﻔﻨﺪ: 217 ﻫﺰﺍﺭ ﺗﻮﻣﺎﻥ‬
‫ﺟﻤﻊ ﮐﻞ: 63 ﻣﯿﻠﯿﻮﻥ ﺗﻮﻣﺎﻥ‬‫ﺟﻤﻊ ﮐﻞ: 8 ﻣﯿﻠﯿﻮﻥ ﺗﻮﻣﺎﻥ‬
‫ﺑﺮﺍﯼ ﺧﺮﯾﺪ ﻭ ﮐﺴﺐ ﺍﻃﻼﻋﺎﺕ ﺑﯿﺸﺘﺮ ﺑﺎ ﻣﺎ ﺗﻤﺎﺱ ﺑﮕﯿﺮﯾﺪ‬
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3. ‫ ﮔﺬﺍﺭﯼ ﭼﻪ ﺩﺭ ﺯﻣﯿﻨﻪ ﺍﻧﻮﺍﻉ ﻋﺎﺑﺮ ﺑﺎﻧﮏ ﯾﺎ ﺩﺭ ﺯﻣﯿﻨﻪ ﻫﺎﯾﯽ‬‫ﻪ‬‫ﺑﺎ ﮔﺬﺷﺖ ﺯﻣﺎﻥ ﻣﺎ ﻫﻤﻮﺍﺭﻩ ﺩﺭ ﺗﻼﺷﯿﻢ ﺑﺨﺶ ﻫﺎﯼ ﺳﺮﻣﺎﯾ‬
‫ ﮔﺬﺍﺭﯼ‬‫ﻪ‬‫ﻣﺜﻞ ﭘﻨﻞ ﻫﺎﯼ ﺧﻮﺭﺷﯿﺪﯼ ﺗﻮﺳﻌﻪ ﺭﻭﺵ ﻫﺎﯼ ﺍﻗﺘﺼﺎﺩﯼ ﺑﺮﺍﯼ ﺷﻤﺎ ﺑﺎ ﺑﮑﺎﺭﮔﯿﺮﯼ ﺍﺯ ﺭﻭﻧﻖ ﺑﺨﺸﯿﺪﻥ ﺩﺭ ﺳﺮﻣﺎﯾ‬
،‫ﺑﻪ ﺍﺭﻣﻐﺎﻥ ﺑﯿﺎﻭﺭﯾﻢ. ﺍﺯ ﺍﯾﻦ ﺟﻬﺖ ﺍﺯ ﺷﻤﺎ ﮐﺎﺭﺑﺮﺍﻥ ﻋﺰﯾﺰ ﺧﻮﺍﻫﺸﻤﻨﺪ ﺍﺳﺖ ﺑﺮﺍﯼ ﺑﻬﺘﺮ ﺷﺪﻥ ﻭ ﺭﻭﻧﻖ ﺍﻗﺘﺼﺎﺩ ﺍﻣﺮﻭﺯﻣﺎﻥ‬
،‫ﻧﻈﺮ ﻫﺎﯼ ﮔﺮﺍﻣﯿﺘﺎﻥ ﺭﺍ ﺍﺯ ﻣﺎ ﺩﺭﯾﻎ ﻧﮑﻨﯿﺪ ﭼﺮﺍ ﮐﻪ ﮐﻤﭙﺎﻧﯽ ﻧﻮﺭﯾﻨﮑﺲ ﺗﺎ ﺑﻪ ﺍﻣﺮﻭﺯ ﺑﺮﺍﯼ ﺍﯾﻦ ﭘﯿﺸﺮﻓﺖ ﺗﻼﺵ ﮐﺮﺩﻩ ﺍﺳﺖ‬
.‫ ﮔﺬﺍﺭﯾﻢ‬‫ﺱ‬‫ﺳﭙﺎ‬

.‫0202 ﮐﻠﻴﻪ ﺣﻘﻮﻕ ﺍﯾﻦ ﺳﺎﯾﺖ ﻣﺘﻌﻠﻖ ﺑﻪ ﻧﻮﺭﯾﻨﮑﺲ ﻣﯽ ﺑﺎﺷﺪ‬ Ⓒ
.‫ﺗﻤﺎﻣﯽ ﻣﺪﺍﺭﮎ ﻣﻮﺟﻮﺩ ﺩﺭ ﻧﻮﺭﯾﻨﮑﺲ ﺣﻘﯿﻘﯽ ﺑﻮﺩﻩ، ﮐﭙﯽ ﺭﺍﯾﺖ ﻭ ﺍﺳﺘﻨﺎﺩ ﺑﻪ ﺁﻥ ﺑﻼﻣﺎﻧﻊ ﺍﺳﺖ‬
‫ﺩﺳﺘﺮﺳﯽ ﺳﺮﯾﻊ‬
‫ﻣﻘﺎﻻﺕ‬ 
‫ﺩﺭﺑﺎﺭﻩ ﻣﺎ‬ 
‫ﺗﻤﺎﺱ ﺑﺎ ﻣﺎ‬ 
‫ﺣﺮﯾﻢ ﺧﺼﻮﺻﯽ‬ 
‫ﺧﺪﻣﺎﺕ ﻣﺸﺘﺮﯾﺎﻥ‬
‫ﺧﺮﯾﺪ ﻭ ﻓﺮﻭﺵ‬ 
‫ ﮔﺬﺍﺭﯼ‬‫ﻪ‬‫ﺳﺮﻣﺎﯾ‬ 
‫ﻗﻄﻌﺎﺕ‬ 
‫ﮔﺎﺭﺍﻧﺘﯽ ﻭ ﺗﻌﻤﯿﺮﺍﺕ‬ 
‫ﺍﺧﺬ ﺳﻮﺋﯿﭻ‬ 
‫ﺍﺭﺗﺒﺎﻁ ﺑﺎ ﻧﻮﺭﯾﻨﮑﺲ‬
‫ﺍﯾﺮﺍﻥ، ﺍﻟﺒﺮﺯ، ﮐﺮﺝ‬
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