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I I I chorak yakuniga ko'ra Milliy bank tomonidan kichik biznes va tadbirkorlik subyektlariga 1,1 trln. so'm kreditlar ajratildi

28.10.2014 2388

 

So'nggi yillar tajribasidan ko'rinib turganidek, iqtisodiyotning muhim tuzilmaviy sektori hisoblangan kichik biznes sohasi ichki bozorni zaruriy mahsulotlar va xizmatlar bilan to'ldirish, iqtisodiyotning barqaror o'sish sur'atlarini ta'minlash va diversifikatsiya qilish, shuningdek aholi farovonligini oshirishda asosiy manba sifatida xizmat qiladi. Iqtisodiyot taraqqiyotining bugungi bosqichida bank hamjamiyati uchun xususiy tadbirkorlarning banklarga bo'lgan qiziqishini oshirish asosiy vazifa sanaladi. Aytish kerakki, faoliyati kichik biznes sohasi vakillari bilan ishlashga yo'naltirilgan banklar mazkur toifaga kiruvchi mijozlarning jihatlarini inobatga olish, imtiyozlar belgilash, kredit olishga oid murojaatlarni ko'rib chiqish muddatlarini qisqartirishga xarakat qiladi.

Milliy bank tomonidan taqdim qilingan kreditlar mulk shaklida tahlili qilinadigan bo'lsa, qayd etish mumkinki, O'zbekiston tashqi iqtisodiy faoliyat milliy banki kichik biznesni qo'llab-quvvatlashda iqtisodiyotning keng ko'lamli tarmoqlarini qamrab oladi. Xususan, yengil sanoat, oziq-ovqat sanoati, qurilish materiallari ishlab chiqarishi, qishloq xo'jaligi, kimyo sanoati, xizmatlar sohasi va boshqalar shular jumlasidandir. Banklar kreditlar ajratish orqali xizmatlar, xalq hunarmandchiligi sohalari va tadbirkorlik faoliyatining turli yo'nalishlariga ko'mak beradi. Mahalliy iqtisodiyotga xorijiy mablag'larning kiritilishi qo'shma korxonalar sonining ortishiga olib keladi. 2014 yil boshidan bank tomonidan kichik biznes va xususiy tadbirkorlikni qo'llab-quvvatlash uchun ajratilgan kreditlarning umumiy hajmi 1,1 trillion so’mdan ziyod summani tashkil qildi. Xususan, O'zbekiston Milliy Bankining Olmazor tumanidagi filiali ham mamlakatimizda kichik biznes va xususiy tadbirkorlik sohasini rivojlantirishga o'z hissasini qo'shib kelmoqda. Jumladan, aynan shu filial mijozlaridan biri bo'lgan “AROMA COLOR” MCHJ ga ajratilgan kredit mablag'lar natijasida, mazkur korxonada erishilayotgan yutuqlarni misol tariqasida keltirish mumkin.

Susana Faxriddinova - “AROMA COLOR” kompaniyasi dizayneri “UzReport AA” muhbiriga bergan intervyusida shunday dedi:

 – Kompaniyamiz tomonidan Toshkentda har hil turdagi paypoq ishlab chiqarish bo'yicha yangi fabrika ishga tushirildi. Fabrika zamonaviy italyan to'qish va tikish uskunalari bilan jixozlangan bo'lib, ularning ishlab chiqarish quvvatlari har oyda 350 ming juft paypoq tayyorlash imkonini beradi. Ilg'or texnologiyalarni qo'llash orqali esa turli rang va dizayndagi mahsulotlarni ishlab chiqarish mumkin. Tobora takomillashib borayotgan ishlab chiqarish quvvatlari kompaniyaga o'z mahsulotlari ko'lamini sezilarli darajada kengaytirish imkonini beradi. Bu yerdagi barcha mahsulotlar mahalliy hamda xorijiy yuqori sifatli tabiiy xom-ashyodan tayyorlanadi.

Respublika rahbariyati eksport qiluvchi korxonalarni qo'llab-quvvatlash hamda mahalliy ishlab chiqaruvchilarning mahsulotlari va xizmatlarini xorijiy bozorlarga ilgari surishni, kichik biznes va xususiy tadbirkorlikni rivojlantirishdagi ustuvor vazifalar sifatida belgilab berdi. Shu tariqa, bugungi kunda bank maksimal darajadagi tijorat samarasiga erishishga yo'naltirilgan yagona sozlangan mexanizm kabi faoliyat yuritib, olingan natijalar ishonch bilan rivojlanishda davom etish imkonini bermoqda. Milliy bank bundan keyin ham respublika rahbariyati tomonidan zimmasiga yuklangan vazifalarni bajarishda davom etib, tabiiyki, mijozlar tomonidan bildirilayotgan ishonchni oqlashni rejalashtirgan. 

 

 

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License of the Central Bank of the Republic of Uzbekistan No. 22 dated Dec. 25, 2022
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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.

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