{"id":12413,"date":"2025-11-08T09:04:55","date_gmt":"2025-11-08T04:04:55","guid":{"rendered":"https:\/\/frank.uz\/bez-kategorii\/ozbekistonda-birinchi-mikromoliya-banki-ochildi\/"},"modified":"2025-11-08T09:04:55","modified_gmt":"2025-11-08T04:04:55","slug":"ozbekistonda-birinchi-mikromoliya-banki-ochildi","status":"publish","type":"post","link":"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekistonda-birinchi-mikromoliya-banki-ochildi\/","title":{"rendered":"O\u2018zbekistonda birinchi mikromoliya banki ochildi"},"content":{"rendered":"<h3>Nega bu muhim<\/h3>\n<p>Birinchi mikromoliya banki \u2014 MMT va tijorat banklari o\u2018rtasidagi yangi toifa bo\u2018lib, omonatlarni jalb qilish, kartalar chiqarish, hisobvaraqlar ochish imkonini beradi. MMTlar 100 mln so\u2018mgacha bo\u2018lgan qarzlar bilan cheklangan, depozitlar ololmaydi. Mikromoliya banki \u2014 100 mln va undan ortiq kreditlar berishi, depozitlar jalb qilishi, tijorat banklari bilan raqobatlashishi mumkin. Ustav fondi 53,9 mlrd \u2014 Markaziy bankning transformatsiya uchun talabi, o\u2018sish uchun kapitalni ta\u2019minlaydi.   <\/p>\n<h3>Nima bo\u2018ldi<\/h3>\n<ul>\n<li>Markaziy bank Tayyab Finance\u2019ga 24-oktyabr kuni Tayanch mikromoliya bankiga aylantirish uchun litsenziya berdi;<\/li>\n<li>Ustav fondi 40 mlrdga o\u2018sdi \u2014 13,9 mlrddan 53,9 mlrdgacha;<\/li>\n<li>Muassislar: Xanipova Almira, Mustaqimov Akbarbek (har biri 50% dan);<\/li>\n<li>Dastlabki ruxsat iyul oyida olingan \u2014 \u201cbirinchilardan bo\u2018lib\u201d;<\/li>\n<li>2022-yilda Toshkent shahri Sergeli tumanida ro\u2018yxatga olingan.<\/li>\n<\/ul>\n<h3>Mikromoliya banki<\/h3>\n<ul>\n<li><strong>Bu nima:<\/strong> MMT va tijorat banklari o\u2018rtasidagi moliyaviy tashkilotlarning yangi toifasi.<\/li>\n<\/ul>\n<p><strong>MMTdan farqi:<\/strong><\/p>\n<ul>\n<li>MMT 100 mln so\u2018mgacha qarz beradi, depozitlar jalb qila olmaydi, kartalar chiqara olmaydi;<\/li>\n<li>Mikromoliya banki 100 milliondan ortiq kreditlar beradi, depozitlar jalb qiladi, kartalar chiqaradi, hisob raqamlari ochadi.<\/li>\n<\/ul>\n<p><strong>Tijorat bankidan farqi:<\/strong><\/p>\n<ul>\n<li>Tijorat banki \u2014 keng ko\u2018lamli xizmatlar (ipoteka, valyuta operatsiyalari, investitsiya mahsulotlari);<\/li>\n<li>Mikromoliya banki \u2014 KO\u2018B va jismoniy shaxslarga mikrokredit berishga yo\u2018naltirilgan, biroq imkoniyatlari kengaytirilgan.<\/li>\n<\/ul>\n<h3>Tayanch<\/h3>\n<ul>\n<li><strong>Nom:<\/strong> Tayanch Mikromoliya Banki<\/li>\n<li><strong>Tarix: <\/strong>2022-yil oktyabr oyida Tayyab Finance MMT sifatida ro\u2018yxatdan o\u2018tgan, 2025-yil 24-oktyabrda mikromoliya bankiga aylantirilgan.<\/li>\n<\/ul>\n<p><strong>Ta\u2019sischilar:<\/strong><\/p>\n<ul>\n<li>Xanipova Almira Faritovna (50%);<\/li>\n<li>Mustaqimov Akbarbek Rovshanbek o\u2018g\u2018li (50%).<\/li>\n<\/ul>\n<p><strong>Ustav fondi:<\/strong> 40 mlrd.ga o\u2018sdi \u2014 13,9 mlrd.dan 53,9 mlrd.gacha. O\u2018sish \u2014 MBning transformatsiya uchun talabi (mikromoliya banki uchun kamida 50 mlrd). <\/p>\n<p><strong>Manzil:<\/strong> Toshkent shahri, Sergeli tumani.<\/p>\n<h3>Transformatsiya nima uchun kerak<\/h3>\n<p><strong>Tayanch uchun:<\/strong><\/p>\n<ul>\n<li>Depozitlarni jalb qilish \u2014 arzon fondlashtirish (depozitlar 18-20% obligatsiyalarga nisbatan 27-28%);<\/li>\n<li>Kreditlar berish 100+ mln \u2014 yirik mijozlarga xizmat ko\u2018rsatish (KO\u2018B, korporativ);<\/li>\n<li>Kartalarni chiqarish \u2014 qo\u2018shimcha komissiyalar, mijozlarni ushlab qolish;<\/li>\n<li>Obro\u2018 \u2014 bankning maqomi ishonchni oshiradi.<\/li>\n<\/ul>\n<p><strong>Mijozlar uchun:<\/strong><\/p>\n<ul>\n<li>Omonatlar \u2014 Tayanch`da pulni foiz evaziga saqlash imkoniyati;<\/li>\n<li>Kartalar \u2014 to\u2018lovlar, pul o\u2018tkazmalarining qulayligi;<\/li>\n<li>100+ mln kreditlar \u2014 biznesni moliyalashtirish.<\/li>\n<\/ul>\n<h3>MB talablari<\/h3>\n<ul>\n<li><strong>Ustav fondi: <\/strong>mikromoliya banki uchun kamida 50 mlrd (Tayanch 53,9 mlrd gacha oshdi).<\/li>\n<li><strong>Kapital:<\/strong> kapitalning yetarliligi 12%+ (Bazel III).<\/li>\n<li><strong>Zaxiralar:<\/strong> kreditlar bo\u2018yicha majburiy zaxiralar (portfelga nisbatan 5-10%).<\/li>\n<li><strong>Tartibga solish:<\/strong> Markaziy bank mikromoliya banklarini MMTlarga qaraganda qattiqroq nazorat qiladi.<\/li>\n<\/ul>\n<h3>\u201cBirinchilardan bo\u2018lib\u201d<\/h3>\n<p>Iyul oyida Tayyab Finance \u201cbirinchilardan bo\u2018lib\u201d dastlabki ruxsatni oldi \u2014 boshqa MMTlar ham transformatsiya qilinmoqda. Markaziy bank moliya tizimini mustahkamlash, kichik va o\u2018rta biznesning kreditlardan foydalanish imkoniyatini oshirish uchun mikromoliya banklarini tashkil etishni rag\u2018batlantiradi. <\/p>\n<h3>Mohiyat<\/h3>\n<ul>\n<li><strong>Mikromoliya bozori:<\/strong> MMTlar oyiga 30-40% yillik stavka bilan 50 mlrddan ortiq qarz beradi. Mikromoliya banklariga aylantirish stavkalarni pasaytiradi (arzon depozitlarni jalb qilish), kreditlarning ommabopligini oshiradi. <\/li>\n<li><strong>Banklar bilan raqobat: <\/strong>mikromoliya banklari tijorat banklari (Infinbank, Garant Bank, Hamkorbank) bilan kichik va o\u2018rta biznes mijozlari uchun raqobatlashadi.<\/li>\n<li><strong>Ustav fondi 53,9 mlrd: <\/strong>portfelning 500+ mlrd gacha o\u2018sishi uchun kapitalni ta\u2019minlaydi (kapital\/aktivlar nisbati 1:10).<\/li>\n<li><strong>Bank maqomining nufuzi: <\/strong>mijozlar, investorlar ishonchini oshiradi. MMTlar tavakkalchi, banklar esa ishonchli deb qabul qilinadi. <\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Markaziy bank Tayyab Finance MMTga Tayanch mikromoliya bankiga aylantirish uchun litsenziya berdi. Ustav fondi 40 mlrdga \u2014 13,9 mlrddan 53,9 mlrdga oshirildi. <\/p>\n","protected":false},"author":4,"featured_media":12405,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sharing_image":{"poster":"https:\/\/frank.uz\/wp-content\/uploads\/2025\/11\/690edb2756b93.jpg","width":1200,"height":630,"template":"2bf59057","mode":"auto"},"_sharing_image_fieldset":{"Dv78f24rp1hU":12405,"YlB8HH34jIzY":"O\u2018zbekistonda birinchi mikromoliya banki ochildi"},"pin_until":"","footnotes":""},"categories":[622],"tags":[634,2259,760,3579],"class_list":["post-12413","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-yangiliklar","tag-banklar","tag-mikromoliyalash","tag-finansy-uz","tag-tayanch-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>O\u2018zbekistonda birinchi mikromoliya banki ochildi &#8212; Frank.uz<\/title>\n<meta name=\"description\" content=\"Markaziy bank Tayyab Finance MMTga Tayanch mikromoliya bankiga aylantirish uchun litsenziya berdi. Ustav fondi 40 mlrdga \u2014 13,9 mlrddan 53,9 mlrdga oshirildi.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekistonda-birinchi-mikromoliya-banki-ochildi\/\" \/>\n<meta property=\"og:locale\" content=\"uz_UZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"O\u2018zbekistonda birinchi mikromoliya banki ochildi\" \/>\n<meta property=\"og:description\" content=\"Markaziy bank Tayyab Finance MMTga Tayanch mikromoliya bankiga aylantirish uchun litsenziya berdi. Ustav fondi 40 mlrdga \u2014 13,9 mlrddan 53,9 mlrdga oshirildi.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekistonda-birinchi-mikromoliya-banki-ochildi\/\" \/>\n<meta property=\"og:site_name\" content=\"Frank.uz\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/FrankUzbekistan\" \/>\n<meta property=\"article:published_time\" content=\"2025-11-08T04:04:55+00:00\" \/>\n<meta name=\"author\" content=\"Azamat\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@frank_uzb\" \/>\n<meta name=\"twitter:site\" content=\"@frank_uzb\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Azamat\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 daqiqa\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekistonda-birinchi-mikromoliya-banki-ochildi\/\",\"url\":\"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekistonda-birinchi-mikromoliya-banki-ochildi\/\",\"name\":\"O\u2018zbekistonda birinchi mikromoliya banki ochildi &#8212; Frank.uz\",\"isPartOf\":{\"@id\":\"https:\/\/frank.uz\/uz\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekistonda-birinchi-mikromoliya-banki-ochildi\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekistonda-birinchi-mikromoliya-banki-ochildi\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/frank.uz\/wp-content\/uploads\/2025\/11\/rmvb5q17532695295164_l.jpg\",\"datePublished\":\"2025-11-08T04:04:55+00:00\",\"author\":{\"@id\":\"https:\/\/frank.uz\/uz\/#\/schema\/person\/ef76c06f7f97345c76ba878b2a9bee67\"},\"description\":\"Markaziy bank Tayyab Finance MMTga Tayanch mikromoliya bankiga aylantirish uchun litsenziya berdi. Ustav fondi 40 mlrdga \u2014 13,9 mlrddan 53,9 mlrdga oshirildi.\",\"breadcrumb\":{\"@id\":\"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekistonda-birinchi-mikromoliya-banki-ochildi\/#breadcrumb\"},\"inLanguage\":\"uz-UZ\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekistonda-birinchi-mikromoliya-banki-ochildi\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"uz-UZ\",\"@id\":\"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekistonda-birinchi-mikromoliya-banki-ochildi\/#primaryimage\",\"url\":\"https:\/\/frank.uz\/wp-content\/uploads\/2025\/11\/rmvb5q17532695295164_l.jpg\",\"contentUrl\":\"https:\/\/frank.uz\/wp-content\/uploads\/2025\/11\/rmvb5q17532695295164_l.jpg\",\"width\":1200,\"height\":800},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekistonda-birinchi-mikromoliya-banki-ochildi\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/frank.uz\/uz\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"O\u2018zbekistonda birinchi mikromoliya banki ochildi\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/frank.uz\/uz\/#website\",\"url\":\"https:\/\/frank.uz\/uz\/\",\"name\":\"Frank.uz\",\"description\":\"\u0414\u0435\u043d\u044c\u0433\u0438. \u0411\u0438\u0437\u043d\u0435\u0441. \u0412\u043b\u0430\u0441\u0442\u044c.\",\"alternateName\":\"\u0414\u0435\u043b\u043e\u0432\u044b\u0435 \u043d\u043e\u0432\u043e\u0441\u0442\u0438 \u0423\u0437\u0431\u0435\u043a\u0438\u0441\u0442\u0430\u043d\u0430\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/frank.uz\/uz\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"uz-UZ\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/frank.uz\/uz\/#\/schema\/person\/ef76c06f7f97345c76ba878b2a9bee67\",\"name\":\"Azamat\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"uz-UZ\",\"@id\":\"https:\/\/frank.uz\/uz\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/d243bbe6aa31efeab6988fe2306a2e5b6dcf75c26624d1771654002e7e919c16?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/d243bbe6aa31efeab6988fe2306a2e5b6dcf75c26624d1771654002e7e919c16?s=96&d=mm&r=g\",\"caption\":\"Azamat\"}}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"O\u2018zbekistonda birinchi mikromoliya banki ochildi &#8212; Frank.uz","description":"Markaziy bank Tayyab Finance MMTga Tayanch mikromoliya bankiga aylantirish uchun litsenziya berdi. Ustav fondi 40 mlrdga \u2014 13,9 mlrddan 53,9 mlrdga oshirildi.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekistonda-birinchi-mikromoliya-banki-ochildi\/","og_locale":"uz_UZ","og_type":"article","og_title":"O\u2018zbekistonda birinchi mikromoliya banki ochildi","og_description":"Markaziy bank Tayyab Finance MMTga Tayanch mikromoliya bankiga aylantirish uchun litsenziya berdi. Ustav fondi 40 mlrdga \u2014 13,9 mlrddan 53,9 mlrdga oshirildi.","og_url":"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekistonda-birinchi-mikromoliya-banki-ochildi\/","og_site_name":"Frank.uz","article_publisher":"https:\/\/www.facebook.com\/FrankUzbekistan","article_published_time":"2025-11-08T04:04:55+00:00","author":"Azamat","twitter_card":"summary_large_image","twitter_creator":"@frank_uzb","twitter_site":"@frank_uzb","twitter_misc":{"Written by":"Azamat","Est. reading time":"2 daqiqa"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekistonda-birinchi-mikromoliya-banki-ochildi\/","url":"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekistonda-birinchi-mikromoliya-banki-ochildi\/","name":"O\u2018zbekistonda birinchi mikromoliya banki ochildi &#8212; Frank.uz","isPartOf":{"@id":"https:\/\/frank.uz\/uz\/#website"},"primaryImageOfPage":{"@id":"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekistonda-birinchi-mikromoliya-banki-ochildi\/#primaryimage"},"image":{"@id":"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekistonda-birinchi-mikromoliya-banki-ochildi\/#primaryimage"},"thumbnailUrl":"https:\/\/frank.uz\/wp-content\/uploads\/2025\/11\/rmvb5q17532695295164_l.jpg","datePublished":"2025-11-08T04:04:55+00:00","author":{"@id":"https:\/\/frank.uz\/uz\/#\/schema\/person\/ef76c06f7f97345c76ba878b2a9bee67"},"description":"Markaziy bank Tayyab Finance MMTga Tayanch mikromoliya bankiga aylantirish uchun litsenziya berdi. Ustav fondi 40 mlrdga \u2014 13,9 mlrddan 53,9 mlrdga oshirildi.","breadcrumb":{"@id":"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekistonda-birinchi-mikromoliya-banki-ochildi\/#breadcrumb"},"inLanguage":"uz-UZ","potentialAction":[{"@type":"ReadAction","target":["https:\/\/frank.uz\/uz\/yangiliklar\/ozbekistonda-birinchi-mikromoliya-banki-ochildi\/"]}]},{"@type":"ImageObject","inLanguage":"uz-UZ","@id":"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekistonda-birinchi-mikromoliya-banki-ochildi\/#primaryimage","url":"https:\/\/frank.uz\/wp-content\/uploads\/2025\/11\/rmvb5q17532695295164_l.jpg","contentUrl":"https:\/\/frank.uz\/wp-content\/uploads\/2025\/11\/rmvb5q17532695295164_l.jpg","width":1200,"height":800},{"@type":"BreadcrumbList","@id":"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekistonda-birinchi-mikromoliya-banki-ochildi\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/frank.uz\/uz\/"},{"@type":"ListItem","position":2,"name":"O\u2018zbekistonda birinchi mikromoliya banki ochildi"}]},{"@type":"WebSite","@id":"https:\/\/frank.uz\/uz\/#website","url":"https:\/\/frank.uz\/uz\/","name":"Frank.uz","description":"\u0414\u0435\u043d\u044c\u0433\u0438. \u0411\u0438\u0437\u043d\u0435\u0441. \u0412\u043b\u0430\u0441\u0442\u044c.","alternateName":"\u0414\u0435\u043b\u043e\u0432\u044b\u0435 \u043d\u043e\u0432\u043e\u0441\u0442\u0438 \u0423\u0437\u0431\u0435\u043a\u0438\u0441\u0442\u0430\u043d\u0430","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/frank.uz\/uz\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"uz-UZ"},{"@type":"Person","@id":"https:\/\/frank.uz\/uz\/#\/schema\/person\/ef76c06f7f97345c76ba878b2a9bee67","name":"Azamat","image":{"@type":"ImageObject","inLanguage":"uz-UZ","@id":"https:\/\/frank.uz\/uz\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/d243bbe6aa31efeab6988fe2306a2e5b6dcf75c26624d1771654002e7e919c16?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/d243bbe6aa31efeab6988fe2306a2e5b6dcf75c26624d1771654002e7e919c16?s=96&d=mm&r=g","caption":"Azamat"}}]}},"_links":{"self":[{"href":"https:\/\/frank.uz\/uz\/wp-json\/wp\/v2\/posts\/12413","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/frank.uz\/uz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/frank.uz\/uz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/frank.uz\/uz\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/frank.uz\/uz\/wp-json\/wp\/v2\/comments?post=12413"}],"version-history":[{"count":0,"href":"https:\/\/frank.uz\/uz\/wp-json\/wp\/v2\/posts\/12413\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/frank.uz\/uz\/wp-json\/wp\/v2\/media\/12405"}],"wp:attachment":[{"href":"https:\/\/frank.uz\/uz\/wp-json\/wp\/v2\/media?parent=12413"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/frank.uz\/uz\/wp-json\/wp\/v2\/categories?post=12413"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/frank.uz\/uz\/wp-json\/wp\/v2\/tags?post=12413"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}