{"id":35713,"date":"2025-10-27T11:55:58","date_gmt":"2025-10-27T06:55:58","guid":{"rendered":"https:\/\/kommers.uz\/?p=35713"},"modified":"2025-10-27T11:55:58","modified_gmt":"2025-10-27T06:55:58","slug":"bank-krediti-va-tash%d2%9bi-%d2%9barzlarni-zhalb-%d2%9bilishni-nazorat-%d2%9bilish-tartibi-belgilandi","status":"publish","type":"post","link":"https:\/\/dinor.uz\/?p=35713","title":{"rendered":"Bank krediti va tashqi qarzlarni jalb qilishni nazorat qilish tartibi belgilandi"},"content":{"rendered":"<p>Hukumat qarori bilan \u201cO\u02bbzbekiston iqtisodiyoti uchun tizimli ahamiyatga ega yirik korxonalar tomonidan bank krediti va tashqi qarzlarni jalb qilish tartibi to\u02bbg\u02bbrisida \u201dgi nizom <a href=\"https:\/\/t.me\/huquqiyaxborot\/18768\">tasdiqlandi<\/a>.<\/p>\n<p>Nizom O\u02bbzbekiston iqtisodiyoti uchun tizimli ahamiyatga ega yirik korxonalar, ularga tegishli bo\u02bblgan korxonalar va ularga o\u02bbzaro aloqador korxonalar guruhi tomonidan bank krediti va tashqi qarzlarni jalb qilishni nazorat va monitoring qilish tartibini belgilaydi.<\/p>\n<p>Yirik qarzdorlarning moliyaviy holati bo\u02bbyicha xatarlar darajasi <strong>\u201cpast xatarli\u201d, \u201co\u02bbrta xatarli\u201d va \u201cyuqori xatarli\u201d<\/strong> deb toifalanadi.<\/p>\n<p>Yirik qarzdorlarning toifasi:<\/p>\n<ul>\n<li>\u201cpast xatarli\u201d bo\u02bblganda, jalb etilayotgan yangi moliyaviy qarz miqdoridan qat\u02bci nazar;<\/li>\n<li>\u201co\u02bbrta xatarli\u201d bo\u02bblganda, jalb qilinayotgan yangi moliyaviy qarz miqdori mavjud moliyaviy qarzlari qoldig\u02bbining 5 foizidan yoki <strong>20 million AQSH dollari<\/strong> ekvivalentidan kam bo\u02bblgan hollarda;<\/li>\n<li>\u201cyuqori xatarli\u201d bo\u02bblganda, jalb qilinayotgan yangi moliyaviy qarz miqdori mavjud moliyaviy qarzlar qoldig\u02bbining 1 foizidan yoki 5 million AQSH dollari ekvivalentidan kam bo\u02bblgan hollarda Muvofiqlashtiruvchi komissiyani xabardor qilgan holda moliyaviy qarzlar jalb etiladi.<\/li>\n<\/ul>\n<p>Yirik qarzdorlar moliyaviy holati yomonlashganda, Muvofiqlashtiruvchi komissiya tomonidan ularni moliyaviy sog\u02bblomlashtirish bo\u02bbyicha quyidagi moliyaviy usullardan foydalanish bo\u02bbyicha tavsiyalar beriladi, jumladan:<\/p>\n<ul>\n<li>mavjud qarzlarni to\u02bblash uchun yangi, <strong>qulayroq shartlarda qarzlar<\/strong> (tashqi va ichki qarz, kredit) olish;<\/li>\n<li>qarzdorlikni qayta ko\u02bbrib chiqish (muddatini uzaytirish, to\u02bblov jadvalini o\u02bbzgartirish, foiz stavkasini pasaytirish, valyuta turini o\u02bbzgartirishi).<\/li>\n<\/ul>\n<p>Yirik qarzdorlar Muvofiqlashtiruvchi komissiyaning moliyaviy qarzni jalb qilishni rad etish to\u02bbg\u02bbrisidagi qaroridan norozi bo\u02bblgan taqdirda, qonunchilik hujjatlarida belgilangan tartibda sudga shikoyat qilishi mumkinligi belgilandi.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Endi yirik qarzdorlarning moliyaviy holati bo\u02bbyicha xatarlar darajasi \u201cpast xatarli\u201d, \u201co\u02bbrta xatarli\u201d va \u201cyuqori xatarli\u201d deb toifalanadi.<\/p>\n","protected":false},"author":23,"featured_media":35714,"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\/10\/68ff17802f70a.jpg","width":1200,"height":630,"template":"26a28dfa","mode":"auto"},"_sharing_image_fieldset":{"xk6e44ialdzo":35714,"7B0ecgVieEAP":"\u0411\u0430\u043d\u043a \u043a\u0440\u0435\u0434\u0438\u0442\u0438 \u0432\u0430 \u0442\u0430\u0448\u049b\u0438 \u049b\u0430\u0440\u0437\u043b\u0430\u0440\u043d\u0438 \u0436\u0430\u043b\u0431 \u049b\u0438\u043b\u0438\u0448\u043d\u0438 \u043d\u0430\u0437\u043e\u0440\u0430\u0442 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