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O'zbekiston bank tizimining aktivlari 27,5 trln. so'mga yetdi

25.01.2012 2910

   Respublika Markaziy bankida bank tizimining 2011 yildagi faoliyati yakunlari hamda mamlakatimiz Prezidenti I.Karimov tomonidan Vazirlar Mahkamasining shu yil 19 yanvardagi majlisida belgilab berilgan 2012 yilda O'zbekistonni ijtimoiy-iqtisodiy rivojlantirishning ustuvor yo'nalishlarini so'zsiz amalga oshirilishini ta'minlashga doir vazifalarning ijrosiga bag'ishlangan kengaytirilgan Boshqaruv majlisi bo'lib o'tdi.
     Majlisni O'zbekiston Respublikasi Markaziy banki raisi Fayzulla Mullajonov boshqardi.
Qayd etildiki, 2011 yilda mamlakatimiz bank tizimini isloh qilishni yanada chuqurlashtirish, uning barqarorligi va likvidliligini mustahkamlashga qaratilgan aniq maqsadli chora-tadbirlar amalga oshirildi.
    Natijada oxirgi besh yil davomida mamlakatimiz bank sektori kapitalining etarlilik darajasi bank nazorati bo'yicha Bazel qo'mitasi tomonidan 8 foiz etib belgilangan xalqaro me'yordan 3 barobar ko'p bo'lgan darajani tashkil etdi.
Hisobot yilida tijorat banklarining jami kapitali o'tgan yilga nisbatan 30 foiz oshib, 2012 yilning 1 yanvar holatiga ko'ra 5,3 trln. so'mni tashkil etdi.
    Bank aktivlari 2010 yilga nisbatan 32,4 foiz o'sib, 27,5 trln. so'mga etdi.
   Bugungi kunda, mamlakatimiz bank tizimi xalqaro standartlarga to'liq javob beradigan eng barqaror tizim bo'lib qolmoqda.
   Buni 'Standard & Poor's', 'Moody's', 'Fitch ratings' kabi xalqaro reyting agentliklari tomonidan ikki yildan buyon O'zbekiston bank tizimiga muttasil ravishda 'barqaror' reyting darajasini bergani ham tasdiqlab turibdi.
Banklarning kredit portfeli tarkibi sifat jihatdan tubdan o'zgardi. Agar 2000 yilda kredit portfelining 54 foizi tashqi qarzlardan tarkib topgan bo'lsa, 2011 yilda uning 85,3 foizi ichki manbalar, ya'ni yuridik va jismoniy shaxslarning depozitlari hisobidan shakllantirildi.
   Tijorat banklarining investitsion faoliyati yildan-yilga ortmoqda. Ularning qo'yilmalarining 75 foizdan ortig'ini uch yildan ziyod bo'lgan uzoq muddatli investitsiya kreditlari tashkil etadi. Umuman, so'nggi o'n yilda tijorat banklari tomonidan iqtisodiyotning real sektorini kreditlash hajmi 7 barobardan oshdi.
   Xususan, 2011 yilda iqtisodiyotning real sektoriga yo'naltirilgan kreditlarning umumiy hajmi 35,6 foiz oshib, bugungi kunda ularning miqdori 15,6 trln. so'mga etdi.
   2011 yilda iqtisodiy nochor korxonalarni moliyaviy sog'lomlashtirish va boshqarish mexanizmlarini takomillashtirish borasida noan'anaviy yondashuvning amalga oshirilishi natijasida tijorat banklari balansiga qabul qilingan 164 ta iqtisodiy nochor korxonalarning 156 tasida ishlab chiqarish to'liq qayta tiklandi va ularning 110 tasi yangi strategik investorlarga sotildi. Bunday korxonalarni texnik qayta jihozlash va modernizatsiya qilish ishlariga tijorat banklari tomonidan 275 mlrd. so'm miqdorida investitsiya kiritildi, natijada 22 mingdan ziyod ish o'rinlari yaratildi.
Mazkur korxonalar tomonidan jami 1 trln. so'mdan ortiq mahsulotlar ishlab chiqarildi, shundan 320 mln. dollaridan ortig'i eksport qilindi.
   'Kichik biznes va xususiy tadbirkorlik yili' Davlat dasturi doirasida amalga oshirilgan keng ko'lamli chora-tadbirlar natijasida kichik biznes subektlariga ajratilgan kreditlar hajmi 2010 yilga nisbatan 1,5 barobar oshib, 2012 yilning 1 yanvar holatiga ko'ra 4,1 trln. so'mni tashkil etdi.
   Jumladan, mikrokreditlar hajmi 752,3 mlrd. so'mni tashkil qilib, bu ko'rsatkich ham o'tgan yilga nisbatan 1,5 barobar ko'pdir.
   Tijorat banklari tomonidan o'tgan yili xalqaro moliya institutlarining 143,4 mln. AQSH dollari miqdoridagi kredit liniyalari o'zlashtirildi. Ushbu ko'rsatkich ham o'tgan yilning shu davriga nisbatan 1,4 barobar oshdi.
Mazkur sohaga ajratilgan kreditlar hisobiga hududlarda 291 mingdan ortiq yangi ish o'rinlari yaratildi.
   Tijorat banklarining kapitallashuv darajasini yanada oshirish, ushbu sohaga xususiy kapitalni keng jalb qilish, resurs bazasini ko'paytirish borasida amalga oshirilayotgan ishlar banklarning jami depozitlari miqdori yildan yilga oshib borishini ta'minlamoqda. Xususan, ushbu ko'rsatkich o'tgan yilga nisbatan 36,3 foiz o'sib, bugungi kunda ularning miqdori 18 trln. so'mdan oshdi.
   Aholining bank tizimiga bo'lgan ishonchining tobora ortib borayotganligi, ularning banklardagi jamg'armalarining qonun bilan to'liq kafolatlanganligi va o'z vaqtida qaytarilayotgani omonatlar miqdorining o'tgan yilga nisbatan 38,8 foiz oshib, bugungi kunga kelib uning miqdorini 6,2 trln. so'mga etishiga puxta zamin yaratdi.
   Qishloq joylarda xususiy uy-joylar qurish bo'yicha keng ko'lamli dasturning hayotga tadbiq etilishi natijasida so'nggi ikki yil davomida 15 mingdan ziyod oila har tomonlama qulay yangi uy-joylarga ega bo'ldilar.
   'Qishloq qurilish bank'ning o'z mablag'lari va Osiyo taraqqiyot bankining zayom mablag'lari hisobidan namunaviy loyihalar asosida yakka tartibdagi uy-joylarni qurish uchun kreditlar qishloq aholisiga imtiyozli shartlarda, 15 yil muddatga yillik 7 foizli stavka bo'yicha berilmoqda. Bu esa, tijorat banklarining ipoteka kreditlari stavkasidan qariyb 2 barobar pastdir.
   Shu bilan birga, majlisda banklar tomonidan mijozlarga ko'rsatilayotgan xizmatlar ko'lamini kengaytirish va mijozlar ishonchini yanada oshirish borasidagi mavjud ichki imkoniyatlardan to'liq foydalanilmayotgan ayrim tijorat banklari faoliyati tanqid qilindi.
   Majlisda joriy yilda bank tizimida amalga oshirilishi lozim bo'lgan ustuvor vazifalar belgilab olindi.
Xususan, tijorat banklari rahbarlari zimmasiga mamlakatimiz Prezidenti tomonidan belgilab berilgan ustvor vazifalar, ya'ni banklarning kapitallashuv darajasini yanada oshirish, investitsion faolligini kuchaytirish, aholi va chet ellik investorlarning bank tizimiga bo'lgan ishonchini yanada mustahkamlash, etakchi xalqaro reyting kompaniyalari tomonidan qabul qilingan xalqaro me'yorlar, mezonlar va standartlarga asoslangan holda bank tizimini baholash ko'rsatkichlarining zamonaviy tizimini joriy etish borasidagi ishlarni og'ishmay davom ettirish vazifasi topshirildi.
   Shuningdek, barcha tijorat banklari rahbarlari zimmasiga 2012 yil - 'Mustahkam oila yili' munosabati bilan qabul qilinadigan Davlat Dasturida belgilangan vazifalarning og'ishmay bajarilishini ta'minlash vazifasi yuklatildi.
   Majlisda muhokama etilgan barcha masalalar yuzasidan tegishli qarorlar qabul qilindi.

UzReport 25.01.2012

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