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Toshkentda TIF 'Milliy bank' huzurida tuzilgan maxsus jamg'armaning istiqboldagi vazifalari belgilab olindi

10.11.2013 3023

UzReport 08.11.2013

     Ma'lumki, O'zbekiston Respublikasi Prezidenti I.Karimovning 2013 yil 8 avgustdagi «Kichik biznes va xususiy tadbirkorlik sub'ektlari eksportini qo'llab-quvvatlash borasidagi qo'shimcha chora-tadbirlar to'g'risida»gi qarori asosida Tashqi iqtisodiy faoliyat “Milliy bank” huzurida maxsus jamg'arma tashkil etilgan edi. Bugun Toshkent shahrida mazkur jamg'armaning ta'sischilari va tashkilot tashabbusi bilan ana shu tuzilma faoliyati va istiqboldagi rejalari muhokamasiga bag'ishlangan matbuot anjumani bo'lib o'tdi.
     Matbuot anjumanida davlatimiz rahbari tomonidan imzolangan mazkur hujjatning mazmun-mohiyati xususida so'z yuritilib, qaror xususiy sektorda ishbilarmonlik muhitini yanada yaxshilash va takomillashtirishga qaratilgan nihoyatda muhim hujjat bo'lganligi haqida alohida so'z yuritildi.
     Ta'kidlash joiz, ayni paytda iqtisodiyotimiz taraqqiyotini kichik biznes va xususiy tadbirkorlik sub'ektlarining faol ishtirokisiz tasavvur etib bo'lmaydi, albatta. Shu boisdan ham joylarda tadbirkorlar uchun qulay shart-sharoit yaratish, ularga qo'shimcha imtiyoz va preferensiyalar berish, ishbilarmonlar tashabbusini har tomonlama qo'llab-quvvatlashga alohida e'tibor qaratilmoqda.
     Shu o'rinda 2013 yilning 9 oyida mamlakatimizda ilgari o'z mahsulotini eksport qilmagan 469 ta korxona eksport faoliyatiga jalb etilganini, bunga davlatimiz rahbarining farmon va qarorlari, Oliy Majlisda qabul qilinayotgan qonunlarda xususiy sektor uchun imtiyoz va imkoniyatlar tizimi yaratilgani asos bo'lganini alohida qayd etish lozim.
     Mamlakatda ishbilarmonlik va investitsiya muhitini tubdan yaxshilash va tadbirkorlikka yanada keng imkoniyatlar berish bo'yicha amalga oshirilgan chora-tadbirlar tufayli 2013 yilning 9 oyida 21,2 mingta yangi kichik biznes sub'ekti tashkil etilib, tovar va xizmatlar eksporti hajmi o'tgan yilning shu davriga nisbatan 13 foizga oshganini ta'kidlash joiz.
     Kichik biznes va xususiy tadbirkorlik sub'ektlari eksportini qo'llab-quvvatlash jamg'armasi Ijrochi direktori Mustafayev      Jahongirning UzReport AA muxbiriga bergan intervyusida: –“Respublika Prezidenti qaroriga muvofiq TIF «Milliy bank» huzurida tashkil etilgan jamg'arma esa bu jarayonda xususiy sektor uchun mustahkam «ko'prik» vazifasini o'tashi belgilandi. Jamg'arma ta'sischilari qatoriga TIF «Milliy bank», O'zbekiston Savdo-sanoat palatasi, shuningdek, tijorat banklari va boshqa moliyaviy institutlar kiritilgani esa tadbirkorlik tuzilmalarini qo'llab-quvvatlash imkonini yanada kengaytiradi. Jamg'arma zimmasiga tadbirkorlik sub'ektlarining eksport salohiyatini yanada oshirishga ko'maklashish, ularga huquqiy, moliyaviy va tashkiliy masalalarda yordam ko'rsatish vazifasi yuklatilgan”, – dedi.
     Shu o'rinda ana shu muhim qaror e'lon qilinganidan keyin jamg'armaning markaziy ijro organi, shuningdek, uning hududiy filiallari hisoblangan Qoraqalpog'iston Respublikasi va barcha viloyat bo'limlari zamonaviy kompyuter, zarur aloqa va texnika vositalari bilan ta'minlanganini. tashqi savdo operatsiyalarini muvaffaqiyatli amalga oshirish uchun jamgarma va uning hududiy bo'limlariga malakali mutaxassislar jalb etilganini ta'kidlash joiz.
     Ta'sis hujjatlariga asosan jamg'arma nodavlat muassasa shaklidagi yuridik shaxs hisoblanib, uning asosiy maqsadi kichik biznes va xususiy tadbirkorlik sub'ektlarining eksport salohiyatini yanada kengaytirish, mulk egalariga yuqori sifatli, raqobatbardosh mahsulot tayyorlashni ko'paytirish va uni eksportga chiqarishda zarur huquqiy, moliyaviy va tashkiliy yordam ko'rsatish, faoliyati eksportbop mahsulotlar tayyorlashga ixtisoslashgan sub'ektlarni tashqi bozor kon'yunkturasi xavf-xatarlaridan ishonchli himoya qilishdan iborat.
     Yaqinda ana shu jamg'armaning yuqori boshqaruv organi – jamg'arma kengashi majlisi o'tkazilib, unda jamg'arma faoliyatining asosiy yo'nalishlari belgilab olindi. Shunga asosan mamlakatimiz va xorijiy davlatlarning tashqi savdo amaliyoti bilan bog'liq qonunchilik me'yorlarini chuqur o'rganish, joylarda tadbirkorlar bilan bevosita uchrashuvlar tashkil etish, ular oldida turgan muammoli masalalarni hal etish uchun zarur chora-tadbirlar belgilash, ishlab chiqarilayotgan mahsulotlar assortimenti va turlarini, shuningdek, ularning tashqi bozorlardagi raqobatbardoshlik darajasini aniqlash hamda eksport saloxiyatiga ega bo'lgan korxonalar bo'yicha ma'lumotlar bazasini shakllantirish ishlari boshlab yuborildi.
     Jamg'armaning asosiy maqsad va vazifasi tadbirkorlarning eksport salohiyatini yanada kengaytirishga, talab va ehtiyojdan kelib chiqib, joriy va istiqboldagi kon'yunkturani o'rganish yuzasidan tashqi bozorlarda tadqiqotlar o'tkazish orqali o'z mahsulotlarimizni eksport qilish uchun mavjud imkoniyatlarni aniqlashdan iboratdir. Majlisda qayd etilganidek, o'zining dastlabki qadamlarni joylardagi tadbirkorlik sub'ektlari bilan bevosita muloqotlar o'tkazishdan boshlagan jamg'arma belgilangan ish rejasiga muvofiq 10 oktyabrdan 30 oktyabrga qadar joylarda tadbirkorlar bilan ochiq muloqotlar o'tkazdi.
     Ma'lumki, savdo-sotiq masalalari bo'yicha marketing tadqiqotlarini olib borish, eksportbop mahsulotlarning potensial imkoniyatlarini aniqlash, ularni tashqi bozorlarga chiqarish, eksport operatsiyalarini amalga oshirish, eksport qiluvchi ob'ektlarni ehtimoliy xavf-xatarlardan ishonchli himoyalash bozor iqtisodiyotining asosiy talabi hisoblanadi. Shuning uchun ham jamg'arma bu masalaga alohida e'tibor qaratmoqda. Shuningdek, xorijiy mamlakatlar qonunchiligiga muvofiq talab etiladigan tegishli litsenziyalar, ruxsatnoma va sertifikatlar olish hamda boshqa masalalarda tadbirkorlarga yuridik, moliyaviy va tashkiliy xizmatlar ko'rsatish ham jamg'armaning asosiy vazifalaridandir.
 

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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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