{"id":11880,"date":"2025-10-28T12:25:47","date_gmt":"2025-10-28T07:25:47","guid":{"rendered":"https:\/\/frank.uz\/bez-kategorii\/banklarning-kredit-portfeli-582-trln-somga-yetdi-jismoniy-shaxslar-ulushi-36-foizni-tashkil-etmoqda\/"},"modified":"2025-10-28T12:25:47","modified_gmt":"2025-10-28T07:25:47","slug":"banklarning-kredit-portfeli-582-trln-somga-yetdi-jismoniy-shaxslar-ulushi-36-foizni-tashkil-etmoqda","status":"publish","type":"post","link":"https:\/\/frank.uz\/uz\/yangiliklar\/banklarning-kredit-portfeli-582-trln-somga-yetdi-jismoniy-shaxslar-ulushi-36-foizni-tashkil-etmoqda\/","title":{"rendered":"Banklarning kredit portfeli 582 trln so\u2018mga yetdi, jismoniy shaxslar ulushi 36 foizni tashkil etmoqda"},"content":{"rendered":"<p><strong>Nega bu muhim<\/strong><\/p>\n<p>Kredit portfelida jismoniy shaxslarning ustunligi (36%) iste\u2019mol talabining o\u2018sishi va chakana kreditlarning mavjudligini ko\u2018rsatadi. Biroq, iste\u2019mol kreditlarining yuqori ulushi iqtisodiy pasayish davrida banklar uchun xavf tug\u2018diradi. Sanoat (-1 foiz) va transport (-6 foiz) ni kreditlashning pasayishi real sektorda muammolar borligidan dalolat beradi.  <\/p>\n<p><strong>Nima bo\u2018ldi<\/strong><\/p>\n<ul>\n<li>Banklarning kredit portfeli 2025-yil 1-oktyabr holatiga ko\u2018ra 582,2 trln so\u2018mga ($48,3 mlrd) yetdi (+13%);<\/li>\n<li>Portfelning 36% jismoniy shaxslar hissasiga to\u2018g\u2018ri keladi \u2014 208,6 trln so\u2018m (+23%);<\/li>\n<li>Sanoat \u2014 25% (146,3 trln), 1% ga kamayish;<\/li>\n<li>Qishloq xo\u2018jaligi \u2014 10% (59,4 trln), o\u2018sish 14%;<\/li>\n<li>Qurilish 33%ga o\u2018sib, 17,2 trln so\u2018mni tashkil etdi;<\/li>\n<li>Transport va kommunikatsiyalar 6 foizga qisqarib, 32,5 trln.<\/li>\n<\/ul>\n<p><strong>Kredit portfelining tarkibi<\/strong><\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-11869 size-full lazyload\" data-src=\"https:\/\/frank.uz\/wp-content\/uploads\/2025\/10\/2025-10-28-12.21.57.jpg\" alt=\"\" width=\"1280\" height=\"551\" data-srcset=\"https:\/\/frank.uz\/wp-content\/uploads\/2025\/10\/2025-10-28-12.21.57.jpg 1280w, https:\/\/frank.uz\/wp-content\/uploads\/2025\/10\/2025-10-28-12.21.57-300x129.jpg 300w, https:\/\/frank.uz\/wp-content\/uploads\/2025\/10\/2025-10-28-12.21.57-1024x441.jpg 1024w, https:\/\/frank.uz\/wp-content\/uploads\/2025\/10\/2025-10-28-12.21.57-768x331.jpg 768w\" data-sizes=\"(max-width: 1280px) 100vw, 1280px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1280px; --smush-placeholder-aspect-ratio: 1280\/551;\" \/><\/p>\n<p><strong>Asosiy trendlar<\/strong><\/p>\n<p><strong>Chakana kreditlashning keskin o\u2018sishi:<\/strong><\/p>\n<p>Jismoniy shaxslar \u2014 portfelning 36 foizi (yilga nisbatan 23 foiz). Bu real daromadlarning o\u2018sishi (9 oyda +11%), so\u2018mning mustahkamlanishi va avtokreditlar, ipoteka va iste\u2019mol kreditlariga bo\u2018lgan talabning yuqoriligi bilan bog\u2018liq. <\/p>\n<p><strong>Sanoatni kreditlashni qisqartirish:<\/strong><\/p>\n<p>Sanoat \u2014 portfelning 25% (-1%). Pasayish yuqori stavkalar (biznes uchun kreditlar \u2014 yillik 20-25 foiz), so\u2018mning mustahkamlanishi (eksportchilar raqobatbardoshligini yo\u2018qotmoqda) yoki banklarning yuqori daromadli chakana kreditlashga o\u2018tishi bilan bog\u2018liq bo\u2018lishi mumkin. <\/p>\n<p><strong>Qurilishdagi yuksalish:<\/strong><\/p>\n<p>Qurilish 33 foizga o\u2018sib, 17,2 trln so\u2018mni tashkil etdi. Bu faol uy-joy qurilishi, infratuzilma loyihalari va ipotekaga bo\u2018lgan talab bilan bog\u2018liq. <\/p>\n<p><strong>Qishloq xo\u2018jaligida barqaror o\u2018sish:<\/strong><\/p>\n<p>Qishloq xo\u2018jaligi \u2014 portfelning 10% (+14%). Davlat agrar sektorni imtiyozli kreditlar bilan faol qo\u2018llab-quvvatlamoqda, bu esa o\u2018sishni rag\u2018batlantirmoqda. <\/p>\n<p><strong>Transportda pasayish:<\/strong><\/p>\n<p>Transport va kommunikatsiyalar 6 foizga qisqarib, 32,5 trln. Bu yirik infratuzilma loyihalarini yakunlash yoki banklarni boshqa sohalarga yo\u2018naltirish bilan bog\u2018liq bo\u2018lishi mumkin. <\/p>\n<p><strong>Mohiyat<\/strong><\/p>\n<p><strong>Portfelning 13 foizga o\u2018sishi <\/strong>inflyatsiyadan (8 foiz) oldinda, bu esa kreditlashning real o\u2018sishini ko\u2018rsatadi. Biroq, jismoniy shaxslarning ustunligi (36%) xavf tug\u2018diradi: iste\u2019mol kreditlari ko\u2018proq o\u2018zgaruvchan va iqtisodiy zarbalarga ta\u2019sirchan bo\u2018ladi. <\/p>\n<p><strong>Chakana kreditlarning yuqori ulushi<\/strong> rivojlanayotgan bozorlarga xos bo\u2018lib, bu yerda aholi iste\u2019molni faol ravishda oshirmoqda. Biroq, rivojlangan mamlakatlarda korporativ kreditlarning ulushi odatda yuqori bo\u2018ladi, chunki ular investitsiyalar va iqtisodiy o\u2018sishni moliyalashtiradi. <\/p>\n<p><strong>Sanoatga kredit ajratishning pasayishi<\/strong> (-1 foiz) xavotirli signal: real sektor ishlab chiqarishni modernizatsiya qilish va kengaytirish uchun moliyalashtirishga muhtoj. Yuqori stavkalar va so\u2018mning mustahkamlanishi eksportchilar uchun kreditlarning jozibadorligini pasaytiradi. <\/p>\n<p><strong>Qurilishdagi o\u2018sish<\/strong> (+33%) uy-joy qurilishi va ipoteka bo\u2018yicha davlat dasturlari tomonidan qo\u2018llab-quvvatlanmoqda. Biroq, tez o\u2018sish ko\u2018chmas mulk bozorining qizib ketish xavfini tug\u2018diradi. <\/p>\n<p><strong>Qishloq xo\u2018jaligi<\/strong> (+14%) imtiyozli kreditlar orqali qo\u2018llab-quvvatlanmoqda, ammo ob-havo sharoitlari va xomashyo narxlarining o\u2018zgarishiga nisbatan zaif bo\u2018lib qolmoqda.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>O\u2018zbekiston tijorat banklarining kredit portfeli 2025-yil 1-oktyabr holatiga ko\u2018ra 13 foizga oshdi.<\/p>\n","protected":false},"author":4,"featured_media":11868,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"_sharing_image":{"poster":"https:\/\/frank.uz\/wp-content\/uploads\/2025\/10\/690098d51208a.jpg","width":1200,"height":630,"template":"2bf59057","mode":"auto"},"_sharing_image_fieldset":{"Dv78f24rp1hU":11868,"YlB8HH34jIzY":"Banklarning kredit portfeli 582 trln so\u2018mga yetdi, jismoniy shaxslar ulushi 36 foizni tashkil etmoqda"},"pin_until":"","footnotes":""},"categories":[622],"tags":[634,1007,628,760],"class_list":["post-11880","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-yangiliklar","tag-banklar","tag-kreditlar","tag-mb","tag-finansy-uz"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.0 (Yoast SEO v25.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Banklarning kredit portfeli 582 trln so\u2018mga yetdi, jismoniy shaxslar ulushi 36 foizni tashkil etmoqda &#8212; 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