{"id":36816,"date":"2026-02-07T10:16:43","date_gmt":"2026-02-07T05:16:43","guid":{"rendered":"https:\/\/kommers.uz\/?p=36816"},"modified":"2026-02-07T09:18:00","modified_gmt":"2026-02-07T04:18:00","slug":"kafil-b%d1%9elishdan-oldin-%d2%9barz-oluvchining-kredit-tarihini-tekshirish-imkonini-beruvchi-hizmat-j%d1%9elga-%d2%9b%d1%9ejildi","status":"publish","type":"post","link":"https:\/\/dinor.uz\/?p=36816","title":{"rendered":"Kafil bo\u02bblishdan oldin qarz oluvchining kredit tarixini tekshirish imkonini beruvchi xizmat yo\u02bblga qo\u02bbyildi"},"content":{"rendered":"

Kredit-axborot tahliliy markazi (KATM) ilovasida 3 ta yangi xizmatlar ishga tushirildi. Bu haqda idora axborot xizmati xabar berdi<\/a>.<\/p>\n

Qayd etilishicha, endi \u201cIshonchli kafil\u201d<\/b> xizmati orqali xizmatdan foydalanuvchi kafil bo\u02bblishidan avval qarz oluvchi shaxsning kredit tarixi ma\u02bclumotlari ya\u02bcni, uning majburiyatlari va ularning bajarilishi holati hamda skoring bali bilan tanishishi mumkin bo\u02bbladi.<\/p>\n

Bundan tashqari, \u201cKimga kafilman\u201d<\/b> xizmati orqali foydalanuvchi hozirda qaysi shaxslar bo\u02bbyicha kafil ekanini ko\u02bbrishi, mavjud kafillik majburiyatlarini nazorat qilishi hamda moliyaviy risklarni baholashi mumkin.<\/p>\n

Shuningdek, foydalanuvchi \u201cMuddati o\u02bbtgan to\u02bblovlar\u201d<\/b> xizmati orqali asosiy qarzdorlik bo\u02bbyicha kechiktirib (90 kundan oshgan) to\u02bblangan to\u02bblovlar to\u02bbg\u02bbrisidagi ma\u02bclumotlarning kredit tarixidan chiqishini (o\u02bbchib ketishini) kuzatib borish imkoniyatiga ega bo\u02bbladi.<\/p>\n

\u201cUshbu yangiliklar foydalanuvchilarga kafillik majburiyatlarini nazorat qilish, moliyaviy riskni baholash va kredit tarixini ongli boshqarish imkonini beradi\u201d, deb yozadi \u201cBankxabar\u201d Telegram kanali.<\/p><\/blockquote>\n

O\u02bbzbekistondagi banklarda muammoli kreditlar miqdori bir yilda 3,1 trillion so\u02bbmga kamaygan. Davlat banklari 1,5 trillion so\u02bbm, xususiy banklar 1,6 trillion so\u02bbmlik muddati o\u02bbtgan qarzlarni so\u02bbndira olgan.<\/p>\n

2026 yil 1 yanvar holatiga ko\u02bbra, respublikadagi banklarning jami kredit qoldig\u02bbi 604 trillion so\u02bbmga yetgan. Shundan 18,1 trillion so\u02bbmi (3 foiz) muammoli kreditlar hisoblanadi. Taqqoslash uchun, 2025 yil 1 yanvarda umumiy kreditlar 533,1 trillion so\u02bbm bo\u02bblgan. Buning 21,2 trillion so\u02bbmi muddati o\u02bbtgan (muammoli) qarzlar edi.<\/p>\n

Markaziy bank tahlilida keltirilishicha, o\u02bbtgan oy boshida muammoli kreditlarning 70 foizi\u201412,8 trillion so\u02bbm davlat banklariga tegishli bo\u02bblgan. Qolgan 5,2 trillion so\u02bbmlik muddati o\u02bbtgan qarzlarni xususiy banklar ajratgan.<\/p>\n","protected":false},"excerpt":{"rendered":"

Endi \u201cIshonchli kafil\u201d xizmati orqali xizmatdan foydalanuvchi kafil bo\u02bblishidan avval qarz oluvchi shaxsning kredit tarixi ma\u02bclumotlari ya\u02bcni, uning majburiyatlari va ularning bajarilishi holati hamda skoring bali bilan tanishishi mumkin bo\u02bbladi.<\/p>\n","protected":false},"author":23,"featured_media":36818,"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\/6986cabcb488e.jpg","width":1200,"height":630,"template":"26a28dfa","mode":"auto"},"_sharing_image_fieldset":{"xk6e44ialdzo":36818,"7B0ecgVieEAP":"\u041a\u0430\u0444\u0438\u043b \u0431\u045e\u043b\u0438\u0448\u0434\u0430\u043d \u043e\u043b\u0434\u0438\u043d \u049b\u0430\u0440\u0437 \u043e\u043b\u0443\u0432\u0447\u0438\u043d\u0438\u043d\u0433 \u043a\u0440\u0435\u0434\u0438\u0442 \u0442\u0430\u0440\u0438\u0445\u0438\u043d\u0438 \u0442\u0435\u043a\u0448\u0438\u0440\u0438\u0448 \u0438\u043c\u043a\u043e\u043d\u0438\u043d\u0438 \u0431\u0435\u0440\u0443\u0432\u0447\u0438 \u0445\u0438\u0437\u043c\u0430\u0442 \u0439\u045e\u043b\u0433\u0430 \u049b\u045e\u0439\u0438\u043b\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\/36816"}],"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=36816"}],"version-history":[{"count":1,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/36816\/revisions"}],"predecessor-version":[{"id":36819,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/36816\/revisions\/36819"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/media\/36818"}],"wp:attachment":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=36816"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=36816"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=36816"},{"taxonomy":"ptype","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fptype&post=36816"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}