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Bank tizimi iqtisodiyotdagi o'z ahamiyatini kuchaytirmoqda

06.12.2013 5030

UzReport 06.12.2013

     Markaziy bankda O'zbekiston Respublikasi Konstitutsiyasi qabul qilinganining 21 yilligi va mamlakatimiz Prezidenti Islom Karimov tomonidan ilgari surilgan «Mamlakatimizda demokratik islohotlarni yanada chuqurlashtirish va fuqarolik jamiyatini rivojlantirish konsepsiyasi”da belgilab berilgan vazifalarning ijrosini ta'minlash masalalariga bag'ishlangan tantanali marosim bo'lib o'tdi.
     Bank tizimi vakillari ishtirokida tashkil etilgan mazkur anjumanda O'zbekistonda huquqiy demokratik davlat, kuchli fuqarolik jamiyati, erkin bozor munosabatlariga asoslangan iqtisodiyotni tarkib toptirish, xalqimiz uchun farovon hayot barpo etish, xalqaro maydonda munosib o'rnimizni egallashda Bosh Qomusimiz mustahkam poydevor bo'lib xizmat qilayotgani ta'kidlandi.
     Sir emas, O'zbekiston barcha jabhalarda erishayotgan yutuqlarda Asosiy qonunimizning qoida va normalariga og'ishmay amal qilinayotgani muhim omil bo'lmoqda. Bozor munosabatlarini rivojlantirishga qaratilgan milliy iqtisodiyotning negizini turli mulk shakllari tashkil etishi va ularning teng huquqliligi va bab-baravar muhofaza etilishi, daxlsizligi, mulkdorning tadbirkorlik erkinligi va o'z mulkidan o'z xohishicha tasarruf etish huquqi, bankka qo'yilgan omonatlarning sir tutilishi bank tizimining barqaror rivojlanishini ta'minlayotgan omillardir. Xususiy mulk asosida tashkil etilgan tijorat banklari davlat banklari bilan bir qatorda moliya bozorida faoliyat ko'rsatmoqda. Banklar mamlakat iqtisodiyotini yanada rivojlantirish, jamiyat farovonligini oshirishga qaratilgan davlat va hukumat dasturlari ijrosini ta'minlovchi yetakchi tizimga aylandi.
     Jahon moliya-iqtisodi retsessiyaga uchragan bir paytda mamlakatimiz moliya-bank tizimi o'zining barqaror va ishonchli ekanini, rivojlanishning to'g'ri va oqilona yo'li tanlaganini dunyo hamjamiyatiga isbotlab berdi.
     Bunda Konstitutsiyaning 124-moddasida belgilanganidek Markaziy bankning respublika bank tizimini boshqarish huquqi va bu huquqdan samarali foydalanishi katta ahamiyat kasb etmoqda. Markaziy bank milliy taraqqiyot va jahon tajribasini e'tiborga olgan holda bank tizimi qonunchilik bazasini mustahkamlash, liberallashtirish va mas'uliyatini oshirish, olib borilayotgan islohotlar izchilligini ta'minlash, banklar va tadbirkorlik tuzilmalari o'rtasidagi o'zaro manfaatli hamkorlikni kuchaytirishga qaratilgan keng ko'lamli ishlarni amalga oshirmoqda. Bugungi kunda Markaziy bank tizimda qonunchilik va huquqiy tartibni ta'minlash, kredit tashkilotlari va mijozlar manfaatlarini himoya qilishga qaratilgan me'yoriy yo'l-yo'riqlarga qat'iy rioya qilinishida nazoratning turli shakllaridan samarali foydalanib kelmoqda.
     Prezidentimiz tomonidan taqdim etilgan demokratik islohotlarni yanada chuqurlashtirish va fuqarolik jamiyatini rivojlantirish konsepsiyasida ta'kidlanganidek, mamlakatimizda amalga oshirilayotgan islohotlarning sur'ati va mantiqiy talablaridan kelib chiqqan holda, erkin bozor iqtisodiyoti munosabatlarini yanada rivojlantirishga xizmat qiladigan bir qator qonunlar qabul qilishni hayotning o'zi taqozo etmoqda. Binobarin, xususiy mulkni iqtisodiyotga safarbar etish va uni himoya qilish, bank tizimi infrastrukturasini takomillashtirish, moliya bozori va kichik biznesni rivojlantirish, ko'rsatilayotgan xizmatlarni takomillashtirishga oid bir qator qonunchilik hujjatlariga tegishli o'zgartishlar kiritib borilmoqda.
     Jumladan, bank tizimi barqarorligini yanada mustahkamlash, tijorat banklarining investitsion faolligini oshirish, ishlab chiqarishni modernizatsiyalash, texnik va texnologik jihatdan qayta jihozlash, moliyaviy nobarqaror va iqtisodiy nochor korxonalar faoliyatini tiklash va ularga strategik investorlarni jalb qilish, kichik biznes va xususiy tadbirkorlikni faol moliyaviy qo'llab-quvvatlash, bank infratuzilmasini rivojlantirish orqali aholi va tadbirkorlik sub'ektlariga ko'rsatilayotgan zamonaviy xizmatlar ko'lamini kengaytirishga yo'naltirilgan qator vazifalar belgilab olingan. Ularni ijrosini ta'minlash bank tizimining har bir xodimidan o'z ishiga katta mas'uliyatni his etgan holda yondashishni talab qiladi.
     Anjumanda so'zga chiqqanlar Asosiy Qonun va Konsepsiya, ular asosida qabul qilingan direktiv hujjatlar bank tizimi faoliyatini erkinlashtirish va raqobat muhitini rivojlantirish, kredit tashkilotlari faoliyati shaffofligini ta'minlash, tadbirkorlik sub'ektlari huquq va manfaatlarini himoya qilish, pirovardida aholi turmush farovonligini yuksaltirishda mustahkam huquqiy asos bo'lib xizmat qilayotganini ta'kidladilar.

 




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Правила выдачи кредитов частным лицам
Определение кредитоспособности заемщика
1.1. При выдаче кредита частному лицу банк проводит анализ кредитоспособности заемщика.
1.2. Кредитоспособность заемщика определяется на основании его финансовой и кредитной истории, а также текущей финансовой ситуации.
1.3. Для определения кредитоспособности могут быть использованы следующие критерии
Условия выдачи кредита
При выдаче кредита частному лицу банк устанавливает следующие условия:

  • сумма кредита;
  • процентная ставка;
  • срок погашения кредита;
  • график платежей
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To unblock the card, you must contact the bank branch where the card was opened  with your identity document.
SMS notification for the Uzcard card can be activated through an ATM. SMS notification for the Humo card is activated through the bank branch where the card was opened.
You can order all cards in national and foreign currency remotely using the Milliy App.
  • If you have forgotten your card PIN, please come with your identity document to the bank where the card was opened.
  • If you the card (UzCard/HUMO) is lost, you can block it yourself using the Milliy Bank App or call (78) 148-00 10 and ask the operators to block the card.
The identification procedure is carried out remotely, directly in the Milliy application itself. To do this, on the main screen in the application, click on the photo_2023-04-28_11-16-22.jpg icon in the upper left corner, and then select the “Identification” option from the menu and go through all its stages.
  • To change the phone number registered in the Milliy App, please come to the NBU branch which is convenient for you with your identity document.
  • An e-wallet is a system to store funds, as well as transfer money through an app to an account or bank card.
  • When you reset your password, you enter the "secret question answer"
Currently, the NBU offers the following international money transfers: Western Union, MoneyGram, KoronaPay, Asia Express, Contact, Unistream, Swift, as well as Sberbank.
Users of the Milliy Mobile App can receive transfers from Russia using the Sberbank Online service to an electronic wallet in national currency, to an UzCard or HUMO card of the NBU.

The transfer is made in rubles. Upon receipt on an electronic wallet or card, it is automatically converted into UZS. No additional fees are charged.
  • Visa Direct is a service for money transfer using the Milliy Mobile App to more than 50 countries of the world, including Visa cards of Uzbekistan banks.
  • identity document
  • MTCN or the tracking number
  • full name of remitter
  • country of remitter
  • expected amount of money
  • NBFAUZ2X
It is possible to remotely open, replenish and independently monitor the NBU's deposits using the Mobil App.
  • If you want to transfer the right to dispose of your deposit to a third party, you must execute a power of attorney certified through a notary office.
  • No, you don't. The online deposit can be closed through the app.
  • Capitalization is the addition of accrued interest to the principal amount of the deposit.
  • This is the deposit with no fixed withdrawal period and the depositor can withdraw the funds at any time.
Answer:
- Passports of founders, director, chief accountant;
- Order for Director’s appointment;
- Certificate of state registration;
- Decision of founders;
- Licenses;
- Cadastre file/ data sheet for the collateral;
- Photo of the collateral;
- Contract with the supplier;
- Copy of the rental agreement/ certificate
- Certificate of ownership for the premises used for business;

This list is not exhaustive for loan consideration and the consideration and Bank staff may request other information and documents regarding project concerned.
Time for processing takes 1-3 days depending on the completeness of the documents submitted.
Various collateral, including real estate, motor vehicles, as well as sureties of individuals or legal entities are accepted.
Penalty-free early repayment of the loan is permitted
The period of registration of the company at the time of filing the application must be more than 6 months.
It's worth noting that insurance and collateral costs may be in addition to the principal interest for the loan. However, there are no hidden costs.
- Constituent documents of the company (charter, registration certificate).
- Documents confirming the authority of the company's representatives.
- Vehicle Purchase Agreement.
- Documents confirming ownership of the collateral property (if a collateral is required).
- Professional Consultation and Support: Our specialists are always ready to provide professional consultation and support at all stages of the process, helping clients maximize the benefits of the offered loan products.
- Flexible Terms: Option to choose the optimal term and loan amount.
- Ease of Application: Minimal document requirements and a quick application review process.
- Business support: Financing that helps to renew the car fleet
The NBU aims to ensure a fast and efficient application review process. The average review period for an auto loan application for legal entities is 3 to 5 working days.
The collateral can be the new car being purchased.
The option to purchase new vehicles from official dealers.
Time for processing takes 1-3 days depending on the completeness of the documents submitted.
Various collateral, including real estate, motor vehicles, as well as sureties of individuals or legal entities are accepted.
Penalty-free early repayment of the loan is permitted
It's worth noting that insurance and collateral costs may be in addition to the principal interest for the loan. However, there are no hidden costs.
The period of registration of the company must exceed 1 year
Answer:
- Passports of founders, director, chief accountant;
- Order for Director’s appointment;
- Certificate of state registration;
- Decision of founders;
- Licenses;
- Cadastre file/ data sheet for the collateral;
- Photo of the collateral;
- Contract with the supplier;
- Copy of the rental agreement/ certificate
- Certificate of ownership for the premises used for business;

This list is not exhaustive for loan consideration and the consideration and Bank staff may request other information and documents regarding project concerned.

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