{"id":36724,"date":"2026-02-02T10:00:48","date_gmt":"2026-02-02T05:00:48","guid":{"rendered":"https:\/\/kommers.uz\/?p=36724"},"modified":"2026-02-02T10:00:48","modified_gmt":"2026-02-02T05:00:48","slug":"markazij-bank-kreditlash-%d1%9esishidan-emas-balki-a%d2%b3oliga-orti%d2%9bcha-%d2%9barz-yuki-riskidan-havotirda","status":"publish","type":"post","link":"https:\/\/dinor.uz\/?p=36724","title":{"rendered":"Markaziy bank kreditlash o\u02bbsishidan emas, balki aholiga ortiqcha qarz yuki riskidan xavotirda"},"content":{"rendered":"<p>O\u02bbzbekistonda chakana kreditlashning o\u02bbsishi yuqori foiz stavkalariga qaramay, kelgusi yilda ham hozirgi darajada saqlanib qoladi. Bu haqda 28 yanvar kuni bo\u02bblib o\u02bbtgan matbuot anjumanida Markaziy bank rahbariyati <a href=\"https:\/\/www.gazeta.uz\/oz\/2026\/01\/30\/lending\/\">ma\u02bclum qildi<\/a>.<\/p>\n<p>Markaziy bank raisi o\u02bbrinbosari Nodirbek Ochilov ipoteka, mikroqarzlar va avtokreditlarning istiqbollari haqidagi savolga javob berar ekan, chakana kreditlash 2022 yildan beri sezilarli tezlashganini ta\u02bckidladi.<\/p>\n<blockquote><p>\u00abUzoq muddatli istiqbol shuni ko\u02bbrsatadiki, ilgari, 2017 yildan <strong>2024 yilgacha O\u02bbzbekistonda korporativ kreditlashning yuqori hajmi<\/strong> va o\u02bbsish sur\u02bcatlari kuzatilgan. 2022 yildan boshlab chakana kreditlash segmentida yuqori o\u02bbsish sur\u02bcatlari qayd etila boshladi\u00bb, \u2014 dedi u.<\/p><\/blockquote>\n<p>Uning so\u02bbzlariga ko\u02bbra, bu kechiktirilgan talabning amalga oshishi, uy xo\u02bbjaliklari daromadlarining o\u02bbsishi va iste\u02bcmol xarajatlarining kengayishi bilan bog\u02bbliq.<\/p>\n<p>\u201cBizning prognozlarimizga ko\u02bbra, kelgusi yilda chakana kreditlarning o\u02bbsish sur\u02bcatlari bu yilgi darajada qoladi. Ha, foiz stavkalari qat\u02bciy va yuqoriligicha qolmoqda, ammo bir vaqtning o\u02bbzida chakana kreditlarga yuqori talab ham saqlanib qoladi, bu iqtisodiy o\u02bbsish va iste\u02bcmolchilar talabining ortishi bilan bevosita bog\u02bbliq\u201d, \u2014 deb ta\u02bckidladi Ochilov.<\/p>\n<p>Uning qo\u02bbshimcha qilishicha, regulyator <strong>o\u02bbrta muddatli istiqbolda vaziyatning bosqichma-bosqich<\/strong> normallashishini kutmoqda.<\/p>\n<blockquote><p>\u201cKelgusi yillardan boshlab, makroprudensial choralarning ta\u02bcsiri kuchayishi bilan, biz vaziyat normallashishini kutmoqdamiz. Kreditlashning o\u02bbsish sur\u02bcatlari tobora ko\u02bbproq uy xo\u02bbjaliklari daromadlari dinamikasiga mos kela boshlaydi va asta-sekin \u2014 keyingi uch-to\u02bbrt yil ichida \u2014 boshqa turdagi kreditlarning o\u02bbsish sur\u02bcatlariga moslashadi\u201d, \u2014 dedi u.<\/p><\/blockquote>\n<p>Prognozga ko\u02bbra, kelasi yillarda kreditlashning o\u02bbsishi 30% ga yaqin joylashadi.<\/p>\n<p>Markaziy bank raisi Timur Ishmetov regulyator chakana kredit berishni qat\u02bciy cheklashni rejalashtirmayotganini ta\u02bckidladi.<\/p>\n<p>\u201cBilasiz, chakana kreditlashning o\u02bbsishi hozirda ancha yuqori. Bu, albatta, yuqori talab bilan bog\u02bbliq \u2014 aholining kreditlarga bo\u02bblgan ehtiyoji obyektiv ravishda o\u02bbsib bormoqda. Biroq, umuman olganda, chakana kreditlashning iqtisodiyotga (YAIM) nisbatan hajmi nisbatan pastligicha qolmoqda\u201d, \u2014 dedi u.<\/p>\n<p>Uning so\u02bbzlariga ko\u02bbra, regulyator kreditlashning o\u02bbsishidan emas, balki aholiga ortiqcha qarz yuki tushishi xavfidan qayg\u02bburmoqda.<\/p>\n<blockquote><p>\u201cBizni chakana kreditlash o\u02bbsishining o\u02bbzi emas, balki uning tez sur\u02bcatlarda tezlashayotgani va natijada aholi qarz yukining sifati tashvishlantirmoqda. Marhamat, kreditlar berilsin, lekin ular sifatli bo\u02bblishi kerak \u2014 emotsional bo\u02bblmasligi, tartibsiz berilmasligi kerakki, ular ertaga muammoli qarzga aylanib qolmasin\u201d, \u2014 deb ta\u02bckidladi Ishmetov.<\/p><\/blockquote>\n<p>Shuningdek, u qarz oluvchilarni himoya qilish bo\u02bbyicha rejalashtirilgan choralarni e\u02bclon qildi.<\/p>\n<blockquote><p>\u00abBu yildan boshlab, qarz oluvchilar vaqtincha qarzlarini<strong> o\u02bbz vaqtida to\u02bblay olmagan hollarda qo\u02bbshimcha jarimalar<\/strong> va foizlarni hisoblashni cheklash bo\u02bbyicha ishlarni boshlaymiz. Banklarga tegishli ko\u02bbrsatmalar berildi va bizning pozitsiyamiz aniqlashtirildi. Ushbu yondashuvlar yil davomida normativ hujjatlarda mustahkamlanadi\u00bb, \u2014 dedi MB raisi.<\/p><\/blockquote>\n<p>Regulyatorning baholashiga ko\u02bbra, chakana kreditlash o\u02bbrta muddatli istiqbolda o\u02bbsishda davom etadi.<\/p>\n<p>\u201cBizni chakana kreditlashning o\u02bbzi emas, balki shu o\u02bbsish doirasida aholining qarzga botib qolmasligini ta\u02bcminlash tashvishga soladi. O\u02bbrta muddatli perspektivani hisobga olsak, bizning fikrimizcha, chakana kreditlash o\u02bbsishda davom etadi, chunki iqtisodiyotdagi umumiy talab hali to\u02bbliq qondirilmagan\u201d, \u2014 deb ta\u02bckidladi Ishmetov.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>O\u02bbzbekistonda chakana kreditlashning o\u02bbsishi kelgusi yilda ham, yuqori foiz stavkalariga qaramay, hozirgi darajada saqlanib qoladi, deb xabar berdi Markaziy bank rahbariyati.<\/p>\n","protected":false},"author":23,"featured_media":25491,"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\/02\/69802f80b9191.jpg","width":1200,"height":630,"template":"26a28dfa","mode":"auto"},"_sharing_image_fieldset":{"xk6e44ialdzo":25491,"7B0ecgVieEAP":"\u041c\u0430\u0440\u043a\u0430\u0437\u0438\u0439 \u0431\u0430\u043d\u043a \u043a\u0440\u0435\u0434\u0438\u0442\u043b\u0430\u0448 \u045e\u0441\u0438\u0448\u0438\u0434\u0430\u043d \u044d\u043c\u0430\u0441, \u0431\u0430\u043b\u043a\u0438 \u0430\u04b3\u043e\u043b\u0438\u0433\u0430 \u043e\u0440\u0442\u0438\u049b\u0447\u0430 \u049b\u0430\u0440\u0437 \u044e\u043a\u0438 \u0440\u0438\u0441\u043a\u0438\u0434\u0430\u043d \u0445\u0430\u0432\u043e\u0442\u0438\u0440\u0434\u0430"},"_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\/36724"}],"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=36724"}],"version-history":[{"count":1,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/36724\/revisions"}],"predecessor-version":[{"id":36725,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/36724\/revisions\/36725"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/media\/25491"}],"wp:attachment":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=36724"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=36724"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=36724"},{"taxonomy":"ptype","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fptype&post=36724"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}