{"id":36594,"date":"2026-01-21T11:08:54","date_gmt":"2026-01-21T06:08:54","guid":{"rendered":"https:\/\/kommers.uz\/?p=36594"},"modified":"2026-01-21T11:46:31","modified_gmt":"2026-01-21T06:46:31","slug":"onlajn-kredit-olishda-firibgarlikka-uchragan-fu%d2%9barolardan-kreditni-undirish-t%d1%9ehatiladi","status":"publish","type":"post","link":"https:\/\/dinor.uz\/?p=36594","title":{"rendered":"Onlayn kredit olishda firibgarlikka uchragan fuqarolardan kreditni undirish to\u02bbxatiladi"},"content":{"rendered":"<p>Adliya vazirligi Markaziy bank bilan birgalikda Kredit va to\u02bblov tashkilotlari, to\u02bblov tizimi operatorlari tomonidan jismoniy shaxslarga masofadan moliyaviy xizmatlar ko\u02bbrsatishda axborot xavfsizligi va kiberxavfsizlikni ta\u02bcminlash hamda frod holatlarining oldini olish bo\u02bbyicha minimal talablar to\u02bbg\u02bbrisidagi nizomni davlat ro\u02bbyxatidan <a href=\"https:\/\/t.me\/huquqiyaxborot\/19269\">o\u02bbtkazdi<\/a>.<\/p>\n<p>Unga ko\u02bbra, kredit tashkiloti frod holati natijasida nomiga onlayn kredit rasmiylashtirilgan fuqaroga, surishtiruvchi, tergovchi, prokurorning qarori yoki sudning ajrimiga asosan jabrlanuvchi deb e\u02bctirof etilganda, mazkur onlayn kredit va u bilan bog\u02bbliq foizlarni hisoblashni hamda undan undirishni to\u02bbxtatadi.<\/p>\n<p>Kredit tashkiloti onlayn kredit ajratishda frod holatini sodir etgan shaxsdan yetkazilgan moddiy zararni regress tartibida undirishi mumkin.<\/p>\n<p>Kredit tashkiloti frod holatiga shubha qilganda qonunchilikda belgilangan tartibda shikoyat qilishi mumkin.<\/p>\n<p>Surishtiruv, dastlabki tergov natijalari yoki sudning qaroriga asosan frod holati yuz bermaganligi aniqlanganda kredit tashkiloti onlayn kredit va u bilan bog\u02bbliq foizlarni hisoblashni hamda undirishni davom ettiradi.<\/p>\n<p>Nizomga ko\u02bbra, mobil ilovada ro\u02bbyxatdan o\u02bbtgan foydalanuvchi akkauntiga faqat ushbu shaxs yoki yaqin qarindoshlariga tegishli bo\u02bblgan bank hisobvarag\u02bbi, bank kartasi va elektron hamyonlarni biriktirishi hamda ushbu akkaunt orqali <strong>P2P o\u02bbtkazmalarini<\/strong> amalga oshirishi mumkin.<\/p>\n<p>Foydalanuvchining telefon raqami va JSHSHIRi mos kelishi tekshiriladi hamda moslik aniqlanmaganda mobil ilovada ro\u02bbyxatdan o\u02bbtkazish va bank kartasini biriktirishga yo\u02bbl qo\u02bbyilmaydi.<\/p>\n<p>Kredit va to\u02bblov tashkilotlari foydalanuvchilarni biometrik identifikatsiyadan o\u02bbtkazishda hayotiylik faktorlarini aniqlashi shart, ya\u02bcni rasm orqali identifikatsiya qilish mumkin bo\u02bblmaydi.<\/p>\n<p>Telefonga yuborilgan<strong> 1 martalik SMS xabar 3 marotaba<\/strong> noto\u02bbg\u02bbri kiritilganda, foydalanuvchining mobil ilovadagi harakatlari 15 daqiqa davomida vaqtincha cheklanadi;<\/p>\n<p>Mobil ilovadagi akkauntga boshqa qurilmadan kirish yoki uning parolini qayta tiklashda ushbu akkauntga bog\u02bblangan barcha bank kartalari mobil ilovadan avtomatik tarzda chiqarib yuboriladi.<\/p>\n<p>Shuningdek, ushbu qurilmada <strong>bank kartalari bo\u02bbyicha moliyaviy operatsiyalar<\/strong> tarixi o\u02bbchirib yuboriladi.<\/p>\n<p>Bunda, bank kartalarini biriktirish biometrik identifikatsiyadan o\u02bbtkazilgan holda amalga oshiriladi.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Surishtiruv, dastlabki tergov natijalari yoki sudning qaroriga asosan frod holati yuz bermaganligi aniqlanganda kredit tashkiloti onlayn kredit va u bilan bog\u02bbliq foizlarni hisoblashni hamda undirishni davom ettiradi.<\/p>\n","protected":false},"author":23,"featured_media":15146,"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\/2026\/01\/697076476278e.jpg","width":1200,"height":630,"template":"26a28dfa","mode":"auto"},"_sharing_image_fieldset":{"xk6e44ialdzo":15146,"7B0ecgVieEAP":"\u041e\u043d\u043b\u0430\u0439\u043d \u043a\u0440\u0435\u0434\u0438\u0442 \u043e\u043b\u0438\u0448\u0434\u0430 \u0444\u0438\u0440\u0438\u0431\u0433\u0430\u0440\u043b\u0438\u043a\u043a\u0430 \u0443\u0447\u0440\u0430\u0433\u0430\u043d \u0444\u0443\u049b\u0430\u0440\u043e\u043b\u0430\u0440\u0434\u0430\u043d \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u0438 \u0443\u043d\u0434\u0438\u0440\u0438\u0448 \u0442\u045e\u0445\u0430\u0442\u0438\u043b\u0430\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\/36594"}],"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=36594"}],"version-history":[{"count":2,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/36594\/revisions"}],"predecessor-version":[{"id":36598,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/36594\/revisions\/36598"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/media\/15146"}],"wp:attachment":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=36594"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=36594"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=36594"},{"taxonomy":"ptype","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fptype&post=36594"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}