{"id":12675,"date":"2025-11-18T10:14:34","date_gmt":"2025-11-18T05:14:34","guid":{"rendered":"https:\/\/frank.uz\/bez-kategorii\/ozbekiston-aholisining-qarz-yuki-kamaydi-ammo-mikroqarzlar-sifati-yomonlashmoqda\/"},"modified":"2025-11-18T10:14:34","modified_gmt":"2025-11-18T05:14:34","slug":"ozbekiston-aholisining-qarz-yuki-kamaydi-ammo-mikroqarzlar-sifati-yomonlashmoqda","status":"publish","type":"post","link":"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekiston-aholisining-qarz-yuki-kamaydi-ammo-mikroqarzlar-sifati-yomonlashmoqda\/","title":{"rendered":"O\u2018zbekiston aholisining qarz yuki kamaydi, ammo mikroqarzlar sifati yomonlashmoqda"},"content":{"rendered":"<h3>Nega bu muhim<\/h3>\n<p>DSTI 33% (36% dan) \u2014 ish haqining +17% ga oshishi, Markaziy bankning makroprudensial choralari (yuqori DSTI bilan kredit berishni cheklash) tufayli qarz yuki kamaymoqda. Banklar 93% \u2014 tartibga solinadigan sektorda majburiyatlarni konsentratsiyalash, risklarni kamaytirish. Mikroqarzlar 3%, ammo sifat yomonlashadi \u2014 muddati o\u2018tgan qarzdorlarning ko\u2018payishi, bir nechta kreditlar bilan qarz oluvchilar, daromadlar pasayganda tizimli xavf.  <\/p>\n<h3>Nima bo\u2018ldi<\/h3>\n<ul>\n<li>DSTI 33% gacha (36% dan) kamaydi;<\/li>\n<li>Banklar 93%, nobanklar 4%, mikroqarzlar 3%;<\/li>\n<li>Xatarlar: bir nechta kreditga ega qarz oluvchilarning ko\u2018payishi, mikroqarzlarning yomonlashishi;<\/li>\n<li>Avtokreditlar, ipoteka yaxshilanmoqda \u2014 yuklamasi yuqori bo\u2018lgan qarz oluvchilar kamaymoqda.<\/li>\n<\/ul>\n<h3>DSTI (Debt Service-to-Income)<\/h3>\n<ul>\n<li><strong>Bu:<\/strong> kreditlar bo\u2018yicha oylik to\u2018lovlarning qarz oluvchining daromadiga nisbati.<\/li>\n<li><strong>33%:<\/strong> mamlakat bo\u2018yicha o\u2018rtacha DSTI (36% dan) \u2014 qarz yuki kamaymoqda.<\/li>\n<li><strong>Sabablar: <\/strong>ish haqining o\u2018sishi +17%, MBning makroprudensial choralari (DSTI &gt;50% bo\u2018lganda kredit berishni cheklash).<\/li>\n<\/ul>\n<h3>Majburiyatlar tarkibi<\/h3>\n<ul>\n<li><strong>Banklar:<\/strong> 93% (81% bilan) \u2014 tartibga solinadigan sektorda konsentratsiya, xatarlarni kamaytirish.<\/li>\n<li><strong>Nobank kredit tashkilotlari:<\/strong> 4% (27 foizdan) \u2014 tartibga solish tufayli ulushning qisqarishi.<\/li>\n<li><strong>Mikroqarzlar:<\/strong> 3% (10% bilan) \u2014 kichik ulush, ammo sifati yomonlashadi.<\/li>\n<\/ul>\n<h3>Xatarlar<\/h3>\n<ul>\n<li><strong>Bir nechta kreditga ega bo\u2018lgan qarz oluvchilar:<\/strong> bir vaqtning o\u2018zida 2-3+ kreditga ega bo\u2018lganlar soni ortib bormoqda \u2014 daromadlar pasayganda to\u2018lamaslik xavfi.<\/li>\n<li><strong>Mikroqarzlar:<\/strong> portfel sifati yomonlashmoqda &#8211; kechikishning o\u2018sishi, 50% dan ortiq qarz oluvchilar DSTI 26-50% (yuqori yuklama). Mikroqarzlar daromadlarning pasayishiga ta\u2019sirchan \u2014 potentsial tizimli xavf. <\/li>\n<\/ul>\n<h3>Avtokreditlar<\/h3>\n<ul>\n<li><strong>Yaxshilanish: <\/strong>DSTI &gt; 51 foiz bo\u2018lgan qarz oluvchilarning ulushi kamaymoqda \u2014 ehtiyotkorlik bilan berish standartlari.<\/li>\n<li><strong>Konsentratsiya:<\/strong> DSTI 26-50% bo\u2018lgan qarz oluvchilarning aksariyati \u2014 o\u2018rtacha yuklama.<\/li>\n<\/ul>\n<h3>Ipoteka<\/h3>\n<ul>\n<li><strong>Yaxshilanish: <\/strong>DSTI &gt;51% bo\u2018lgan qarz oluvchilar ulushi kamaymoqda \u2014 subsidiyalar 7%, ish haqining o\u2018sishi +17%.<\/li>\n<li><strong>Konsentratsiya:<\/strong> 50% dan ortiq qarz oluvchilar DSTI 26-50% \u2014 o\u2018rtacha yuklama.<\/li>\n<\/ul>\n<h3>Mikroqarzlar<\/h3>\n<ul>\n<li><strong>Yomonlashish:<\/strong> kechikishning o\u2018sishi, 50% dan ortiq qarz oluvchilar DSTI 26-50%, 25% DSTI &gt;51%.<\/li>\n<li><strong>Sababi:<\/strong> hajmining tez o\u2018sishi, kam daromadli qarz oluvchilarga bir vaqtning o\u2018zida bir nechta mikrokreditlar berilishi.<\/li>\n<li><strong>Xavf:<\/strong> mikroqarzlar daromadlarning pasayishiga ta\u2019sirchan (ishni yo\u2018qotish, inflyatsiya) \u2014 ommaviy defoltlarda yuzaga kelishi mumkin bo\u2018lgan tizimli xavf.<\/li>\n<\/ul>\n<h3>Makroprudensial o\u2018lchovlar<\/h3>\n<ul>\n<li><strong>Markaziy bank:<\/strong> DSTI &gt;50% bo\u2018lgan kreditlarni berishni cheklash, portfel sifatini nazorat qilish, banklar kapitaliga talablarni oshirish.<\/li>\n<li><strong>Natija:<\/strong> DSTI 36 foizdan 33 foizga pasayishi, avtokreditlar, ipoteka sifatining yaxshilanishi.<\/li>\n<\/ul>\n<h3>Kreditlanmaganlik<\/h3>\n<ul>\n<li><strong>Kreditlar\/YIM:<\/strong> uzoq muddatli darajadan past \u2014 bozor to\u2018liq kreditlanmagan, o\u2018sish salohiyati.<\/li>\n<li><strong>O\u2018rtacha yuklama:<\/strong> DSTI 33% \u2014 sog\u2018lom daraja, barqarorlikka tahdid solmaydi.<\/li>\n<\/ul>\n<h3>Mohiyat<\/h3>\n<ul>\n<li><strong>DSTI 33%:<\/strong> ish haqining +17% o\u2018sishi, Markaziy bankning makroprudensial choralari (yuqori DSTI bilan kreditlarni cheklash) tufayli 36% dan pasayish.<\/li>\n<li><strong>Banklar 93%:<\/strong> tartibga solinadigan sektorda konsentratsiya \u2014 nobank tashkilotlar, mikroqarzlarga qaraganda xavfsizroq.<\/li>\n<li><strong>Mikroqarzlar \u2014 xavf:<\/strong> sifati yomonlashadi (muddatini o\u2018tkazib yuborish, bir nechta kreditga ega qarz oluvchilarning ko\u2018payishi), daromadlarning pasayishiga ta\u2019sirchan \u2014 inqiroz davrida tizimli xavf.<\/li>\n<li><strong>Avtokreditlar, ipoteka yaxshilanmoqda:<\/strong> ehtiyotkorlik bilan berish standartlari, ipotekani subsidiyalash 7%, ish haqining oshishi yuqori yuklamali qarz oluvchilar ulushini kamaytiradi.<\/li>\n<li><strong>Bir nechta kreditga ega qarz oluvchilar:<\/strong> asosiy xavf \u2014 daromadlar pasayganda qarzlarga xizmat ko\u2018rsata olmaslik, ommaviy defoltlar.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Makroprudensial choralar tufayli DSTI 33 foizga tushdi. Avtokreditlar va ipoteka yaxshilanmoqda \u2014 yuqori yuklamali ulush kamaymoqda. <\/p>\n","protected":false},"author":4,"featured_media":6310,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"_sharing_image":{"poster":"https:\/\/frank.uz\/wp-content\/uploads\/2025\/11\/691c28c684260.jpg","width":1200,"height":630,"template":"2bf59057","mode":"auto"},"_sharing_image_fieldset":{"Dv78f24rp1hU":6310,"YlB8HH34jIzY":"O\u2018zbekiston aholisining qarz yuki kamaydi, ammo mikroqarzlar sifati yomonlashmoqda"},"pin_until":"","footnotes":""},"categories":[622],"tags":[1007,628,760,2331],"class_list":["post-12675","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-yangiliklar","tag-kreditlar","tag-mb","tag-finansy-uz","tag-qarz-yuki"],"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\u2018zbekiston aholisining qarz yuki kamaydi, ammo mikroqarzlar sifati yomonlashmoqda &#8212; Frank.uz<\/title>\n<meta name=\"description\" content=\"Makroprudensial choralar tufayli DSTI 33 foizga tushdi. 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