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O'zbekiston Respublikasi Bank-moliya akademiyasida xalqaro ilmiy-amaliy konferensiya tashkil etildi

21.11.2014 2876

O'zbekiston Respublikasi Markaziy banki, O'zbekiston banklari Assotsiatsiyasi, O'zbekiston Respublikasi Bank-moliya akademiyasi hamkorligida "O'zbekiston iqtisodiyoti real sektori korxonalarini modernizatsiyalashda bank-moliya institutlari ishtirokining dolzarb masalalari" mavzusida xalqaro ilmiy-amaliy konferensiya tashkil etildi. Konferensiyada qatnashchilar tomonidan 42 dan ziyod ilmiy ma'ruza va chiqishlar qilinib, respublika va xorijdai moliya-bank tizimi xodimlari, oliy o'quv yurtlarining professor-o'qituvchilari, ilmiy xodim-izlanuvchilari, amaliyotchi mutaxassislar o'zaro fikr almashishdi.

Mamlakat bank tizimini isloh qilish, erkinlashtirish va barqarorligini oshirish davlatimiz siyosatining eng muhim yo'nalishlaridan biriga aylandi. Bugungi kunda, bank tizimini isloh qilish bo'yicha amalga oshirilayotgan dasturlarda banklarning barqarorligi oshirish, banklar kapitaliga qo'shimcha investitsiyalarni jalb etish, ularning faoliyatini  xalqaro standartlarga muvofiq     yanada takomillashtirish, ko'rsatilayotgan bank xizmatlari hajmini yanada kengaytirish hamda aholining banklarga bo'lgan ishonchini yanada mustahkamlash asosiy yo'nalishlar etib belgilangan.

Ta'kidlash joizki, joriy yilning 1 noyabr holatiga iqtisodiyotning real sektoriga yo'naltirilgan kreditlarning umumiy hajmi 2013 yilning shu davriga nisbagan 30,8 foizga ko'payib, bugungi kunda 31,8 trln. so'mdan ortdi.

Banklarning investitsiya maqsadlariga ajratilgan investitsion kreditlari miqdori ham, 2013 yilning shu davriga nisbatan 1,2 barobardan ziyodga oshib, 7,2 trln. so'mni tashkil qildi.

Kichik biznesni rivojlantirish ham banklar e'tiborida bo'lib, soha subyektlariga ajratilgan kreditlar hajmi 2013 yilning shu davriga nisbatan 1,3 barobar ko'payib, 2014 yilning 1 noyabr holatiga ko'ra 8,0 trln. so'mdan ortdi. Bu esa respublika hududlarini ijtimoiy-iqtisodiy rivojlantirish dasturlardagi loyihalar o'z vaqtida moliyalashtirilishi imkonini bermoqda .

Ushbu anjumanda real sektor korxonalarini modernizatsiyalashda bank-moliya institutlari ishtirokining dolzarb masalalari, bank-moliya sohasiniig barqaror rivojlanishida, investitsion faolligini yanada kuchaytirishda banklarning likvidliligini oshirish masalalari bo'yicha fikr almashildi.

Shuningdek moliya-kredit muassasalari tomonidan ustuvor tarmoqlarda ishlab chiqarishni modernizatsiya qilish, texnik va texnologik qayta jihozlash, yangi korxonalar va ish o'rinlarini tashkil etishdagi ishtirokini yanada faollashtirish, mikromoliyaviy tashkilotlar, lizing, sug'urta va pensiya fondlarining investitsion manba sifatida faoliyatini olib borish, xorijiy investitsiyalar va ichki resurslarni faollashtirish haqida ham so'z bordi.

Shuni ta'kidlab o'tish joizki, ushbu ilmiy-amaliy konferensiya mavzusiga doir masalalar yuzasidan Bank-moliya akademiyasida ilg'or xorij amaliyotini o'rganib ilmiy-tadkiqot ishlari yo'lga qo'yilgan. Tadqiqotlar sifatini yaxshilash, bank-moliya sektori, investitsion kompaniyalar va fond bozorining samarali faoliyat yuritishini ta'minlash maqsadida ilmiy va ilmiy-innovatsion takliflar ustida ishlar olib borilmoqda.

Shu bilan birga, Akademiya tomonidan Yaponiya Moliya vazirligi huzuridagi Siyosiy tadqiqotlar Instituti, Bremenxafen Amaliy fanlar universiteti, Chexiyaning Iqtisodiyot va menedjment Oliy maktabi hamda Keymyung Universitetlari bilan ilmiy sohada hamkorlik aloqalarini, jumladan, ilmiy anjumanlar tashkil etish, ilmiy loyihalar olib borish va ilmiy maqolalar nashr etish bo'yicha ishlar yaqindan olib borilmoqda.

  Yalpi yig'ilishdan so'ng, konferensiya o'z ishini 5 ta seksiya bo'yicha davom ettirdi va konferensiya yakunlari bo'yicha ilmiy-amaliy taklif va tavsiyalar qabul qilindi.

 

 

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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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