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O'zbekiston bankirlari mizojlar bilan ishlash bo'yicha Germaniya tajribasini o'rganishdi

05.10.2014 3170

O'zbekiston Respublikasi Markaziy banki va Germaniya jamg'arma kassalari uyushmasi tomonidan tijorat banklari rahbarlari ishtirokida davra suhbati o'tkazildi. Mazkur tadbir Prezidentimizning «2011-2015 yillarda respublika moliya-bank tizimini yanada isloh qilish va barqarorligini oshirish hamda yuqori xalqaro reyting ko'rsatkichlariga erishishning ustuvor yo'nalishlari to'g'risida»gi Qarori doirasida mijozlarga xizmat ko'rsatish sifatini oshirish masalalariga bag'ishlandi.

Qayd etish joizki, hujjatda 2011-2015 yillarda aholi va xo'jalik subyektlarining tijorat banklaridagi depozitlari hajmini 2,5 martaga oshirish ko'zda tutilgan bo'lib, ushbu natijaga erishish maqsadida, Markaziy bank tashabbusi bilan joylarda aholining bank tizimiga bo'lgan ishonchini mustahkamlash masalalriga qaratilgan amaliy seminar va treninglar doimiy ravishda o'tkazib kelinmoqda.

Anjumanda ta’kidlanganidek, bank xizmatlari samaradorligini ta'minlash va aholining bank-moliya tizimiga bo'lgan ishonchini mustahkamlashda bevosita mijozlar bilan ishlaydigan bank maslahatchilari muhim o'rin tutadi.

Ayni paytda, tijorat banklari aholining turli qatlami va yoshini qamrab olgan birqancha jamg'armalarni mijozlarga taklif etib, bank xizmatlaridan foydalanish darajasining o'sishi tufayli, bugungi kunda mamlakatimizda har ming kishi nomiga 1028 ta bank hisobraqami ochilishiga erishilgan.

Anjumanda Germaniya jamg'arma kassalari uyushmasi vakillari mamlakatimiz rahbariyati tashabbusi bilan amalga oshirilayotgan izchil islohotlar banklarning kapitallashuvi, barqarorligi va likvidligini tobora mustahkamlash, ko'rilayotgan aniq maqsadli chora-tadbirlar milliy iqtisodiyotni yanada yaxshilashga xizmat qilayotganini e'tirof etdilar.

Shu bilan bir qatorda, xorijlik mutaxassislar banklarda mijozlar bilan ishlash boshqaruvini tashkil etish, jamg'armalar bo'yicha moliyaviy konsepsiyalarni ishlab chiqish bo'yicha o'z mamlakatlarida to'plangan boy tajribalar bilan o'rtoqlashdilar. Mutaxassislarning ta’kidlashicha, bank axborot-maslahatchilarining faoliyati faqat mijozlarga xizmatlar taklif etish va xizmat ko'rsatish bilangina cheklanib qolmasdan, yangi mijozlarni jalb etish va ular bilan ishlashga e'tibor kuchaytirishlari lozim.

Davra suhbatida shuningdek, aholini banklarga jalb etish hamda moliya tashkilotlari mutaxassislari ko'rsatilayotgan xizmatlarning sifatini oshirishdagi professional bilimlarini kengaytirish masalalari tahlil etildi.




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Last page update: 11.09.2019 19:11
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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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