{"id":35306,"date":"2025-09-04T10:38:26","date_gmt":"2025-09-04T05:38:26","guid":{"rendered":"https:\/\/kommers.uz\/?p=35306"},"modified":"2025-09-04T10:38:26","modified_gmt":"2025-09-04T05:38:26","slug":"banklarda-kredit-azhratish-b%d1%9ejicha-korrupcziya-havfi-yu%d2%9boriligi-malum-%d2%9bilindi","status":"publish","type":"post","link":"https:\/\/dinor.uz\/?p=35306","title":{"rendered":"Banklarda kredit ajratish bo\u02bbyicha korrupsiya xavfi yuqoriligi ma\u02bclum qilindi"},"content":{"rendered":"

Markaziy bank joriy yil 8\u201315 avgust kunlari aholi orasida anonim so\u02bbrov o\u02bbtkazdi<\/a>. So\u02bbrov asnosida O\u02bbzbekiston bank tizimining qaysi turdagi xizmatlarida korrupsiya xavfi yuqoriligi o\u02bbrganilgan.<\/p>\n

Savollarga respublikaning barcha hududlaridan qatnashgan 6 438 nafar respondent<\/strong> javob bergan. Ularning 58,7 foizi davlat xizmatchilari bo\u02bblgan. Yana 26 foizi tadbirkorlar, 8,3 foizi bank-moliya sohasi vakillarini tashkil etgan.<\/p>\n

Ishtirokchilarga bir qancha savollar berilgan. Jumladan, bank xizmatlarining qaysi turida korrupsiya xavfi yuqori deb hisoblaysiz, deya so\u02bbralgan. Respondentlarning 49,4 foizi kredit ajratishda korrupsiya xavfi yuqoriligini bildirgan. Ishtirokchilardan 42,7 foizi bunday xavf lizing, faktoring, loyihalarni moliyalashtirish, konversion amaliyotlar va boshqa xizmat turlarida mavjudligini qayd etgan.<\/p>\n

Qatnashchilardan 7,3 foizi bank kartalari berishda, 6,6 foizi hisob-kitob, to\u02bblovlar va kassa xizmatlarida korrupsiya xavfi yuqoriligini bildirgan.<\/p>\n

Bank xodimlari tomonidan korrupsion harakatlar sodir etilishiga duch kelganmisiz, degan savolga 94,1 foiz ishtirokchi \u201cyo\u02bbq\u201d<\/strong>, deb javob bergan.<\/p>\n

Bank xizmatlari ko\u02bbrsatilishida \u201ctanish-bilishchilik\u201ddan foydalanganmisiz, deya so\u02bbralganda, 90,4 foiz respondent manfiy javob bergan.<\/p>\n

Banklarda ishga qabul qilish tizimida korrupsiya bilan bog\u02bbliq holatlarga duch kelganmisiz, degan savolga 91,9 foiz qatnashchi \u201cyo\u02bbq\u201d degan.<\/p>\n

So\u02bbrov ishtirokchilaridan bank tizimida korrupsiya holatlari sodir etilishida asosiy sabablar haqidagi fikrlari ham olingan. Respondentlardan 53,5 foizi bunga bank xodimlari ish haqi pastligi<\/strong> sabab bo\u02bblishini bildirgan. 30,9 foiz qatnashchi fuqarolarda moliyaviy savodxonlik yetishmasligini qayd etgan. Yana 16,9 foiz ishtirokchi bank xodimlarining xatti-harakatlari ustidan yetarlicha nazorat o\u02bbrnatilmaganini taxmin qilgan.<\/p>\n","protected":false},"excerpt":{"rendered":"

Markaziy bank so\u02bbrovnomasida ishtirok etganlarning 42,7 foizi bunday xavf lizing, faktoring, loyihalarni moliyalashtirish, konversion amaliyotlar va boshqa xizmat turlarida mavjudligini qayd etdi.<\/p>\n","protected":false},"author":23,"featured_media":26504,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_bbp_topic_count":0,"_bbp_reply_count":0,"_bbp_total_topic_count":0,"_bbp_total_reply_count":0,"_bbp_voice_count":0,"_bbp_anonymous_reply_count":0,"_bbp_topic_count_hidden":0,"_bbp_reply_count_hidden":0,"_bbp_forum_subforum_count":0,"_sharing_image":{"poster":"https:\/\/dinor.uz\/wp-content\/uploads\/2025\/09\/68b925d3aef5a.jpg","width":1200,"height":630,"template":"26a28dfa","mode":"auto"},"_sharing_image_fieldset":{"xk6e44ialdzo":26504,"7B0ecgVieEAP":"\u0411\u0430\u043d\u043a\u043b\u0430\u0440\u0434\u0430 \u043a\u0440\u0435\u0434\u0438\u0442 \u0430\u0436\u0440\u0430\u0442\u0438\u0448 \u0431\u045e\u0439\u0438\u0447\u0430 \u043a\u043e\u0440\u0440\u0443\u043f\u0446\u0438\u044f \u0445\u0430\u0432\u0444\u0438 \u044e\u049b\u043e\u0440\u0438\u043b\u0438\u0433\u0438 \u043c\u0430\u044a\u043b\u0443\u043c \u049b\u0438\u043b\u0438\u043d\u0434\u0438"},"_dinor_sponsored":false,"_dinor_sponsor_name":"","_dinor_reading_time":0,"_dinor_primary_term":0,"_dinor_featured":false,"_dinor_urgent":false,"_dinor_show_author":false,"_dinor_kicker":"","_dinor_summary":"","_dinor_sources":"","footnotes":""},"categories":[2],"tags":[],"ptype":[],"_links":{"self":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/35306"}],"collection":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/users\/23"}],"replies":[{"embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=35306"}],"version-history":[{"count":1,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/35306\/revisions"}],"predecessor-version":[{"id":35307,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/35306\/revisions\/35307"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/media\/26504"}],"wp:attachment":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=35306"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=35306"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=35306"},{"taxonomy":"ptype","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fptype&post=35306"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}