{"id":14053,"date":"2025-12-17T13:03:42","date_gmt":"2025-12-17T08:03:42","guid":{"rendered":"https:\/\/frank.uz\/bez-kategorii\/markaziy-bank-banklardan-bosh-takliflar-orqali-xizmat-korsatishni-majburlashni-toxtatishni-talab-qildi\/"},"modified":"2025-12-17T13:03:42","modified_gmt":"2025-12-17T08:03:42","slug":"markaziy-bank-banklardan-bosh-takliflar-orqali-xizmat-korsatishni-majburlashni-toxtatishni-talab-qildi","status":"publish","type":"post","link":"https:\/\/frank.uz\/uz\/yangiliklar\/markaziy-bank-banklardan-bosh-takliflar-orqali-xizmat-korsatishni-majburlashni-toxtatishni-talab-qildi\/","title":{"rendered":"Markaziy bank banklardan \u201cbosh takliflar\u201d orqali xizmat ko\u2018rsatishni majburlashni to\u2018xtatishni talab qildi"},"content":{"rendered":"<h3 data-start=\"361\" data-end=\"380\">Nima bo\u2018ldi<\/h3>\n<p data-start=\"381\" data-end=\"1061\">Markaziy bank tijorat banklariga kredit kartalari bo\u2018yicha qarzdorlikni so\u2018ndirishda xizmat ko\u2018rsatish va vositachilik haqini undirish bo\u2018yicha ko\u2018rsatma <a href=\"https:\/\/cbu.uz\/upload\/medialibrary\/9cc\/43wxih17nmtogstf0zaftwnbqxhcbysi\/26_20_2349-_2_.pdf\">yubordi<\/a>. Regulyator keng tarqalgan amaliyotni aniqladi: mobil ilovada hatto bitta xizmatni olish uchun mijoz \u201cbosh oferta\u201dni \u2014 bankning barcha xizmatlari bo\u2018yicha shartlarni o\u2018z ichiga olgan o\u2018nlab sahifalardan iborat hujjatni qabul qilishi kerak. <\/p>\n<p data-start=\"381\" data-end=\"1061\">Mijoz aslida o\u2018ziga kerak bo\u2018lmagan qo\u2018shimcha xizmatlarga rozi bo\u2018ladi. Bu bahs-munozaralarga sabab bo\u2018ladi: foydalanuvchilar uchinchi tomon xizmatlarini so\u2018ramaganliklarini, banklar esa taklif qabul qilinganini ta\u2019kidlashadi. Markaziy bank, shuningdek, kartalar kechiktirilganda bloklanishi va qarzni to\u2018lash uchun mablag\u2018 o\u2018tkazganlik uchun komissiya undirilishini tanqid qildi.  <\/p>\n<h3 data-start=\"1063\" data-end=\"1085\">Nega bu muhim<\/h3>\n<p data-start=\"1086\" data-end=\"1558\">Muammo ommaviy segmentga ta\u2019sir qiladi: bank mijozlarining aksariyati shartlarni o\u2018rganmasdan avtomatik ravishda rozilik beradi. \u201cOmmaviy ofertalar\u201ddan foydalanish xizmatlarning shaffofligiga putur yetkazadi va suiiste\u2019molchiliklar, shu jumladan majburiy komissiyalar xavfini keltirib chiqaradi. Markaziy bankning e\u2019tirozlari iste\u2019molchilar bilan o\u2018zaro munosabatlarda yanada adolatli va halol amaliyot zarurligini ko\u2018rsatmoqda. Nazoratning kuchaytirilishi nizolarni kamaytiradi, bank tizimiga bo\u2018lgan ishonchni mustahkamlaydi va fuqarolarni moliyaviy xatarlardan himoya qiladi.   <\/p>\n<h3 data-start=\"1560\" data-end=\"1579\">Raqamlar va faktlar<\/h3>\n<ul>\n<li data-start=\"1582\" data-end=\"1686\">\u201cOmmaviy ofertalar\u201d mijozga aynan nima kerak bo\u2018lishidan qat\u2019i nazar, o\u2018nlab xizmatlar bo\u2018yicha shartlarni o\u2018z ichiga oladi.<\/li>\n<li data-start=\"1689\" data-end=\"1885\">Markaziy bank uchta qonunning me\u2019yorlarini eslatdi: Fuqarolik kodeksi, \u201cRaqobat to\u2018g\u2018risida\u201dgi qonun va \u201cBanklar va bank faoliyati to\u2018g\u2018risida\u201dgi qonun, ular xizmatlarni majburlashni va muzokaralar pozitsiyasini suiiste\u2019mol qilishni taqiqlaydi.<\/li>\n<li data-start=\"1888\" data-end=\"2005\">O\u2018zR FKning 787-moddasi mijozning hisobvarag\u2018idagi pul mablag\u2018larini tasarruf etishni qonunda nazarda tutilgan hollardan tashqari cheklashni taqiqlaydi.<\/li>\n<li data-start=\"2008\" data-end=\"2134\">Regulyator qarzni to\u2018lashda noqonuniy komissiyalar qo\u2018llanilishi va kredit kartalari \u201calohida banklar\u201d tomonidan bloklanishini qayd etdi.<\/li>\n<\/ul>\n<h3 data-start=\"2136\" data-end=\"2150\">Mohiyat<\/h3>\n<p data-start=\"2151\" data-end=\"2546\">Mobil bank xizmatlari bozorida shaffof bo\u2018lmagan shartlar va xizmatlarning avtomatik ulanishi bo\u2018yicha shikoyatlar soni ortib bormoqda. Markaziy bank iste\u2019molchilar huquqlarini buzishi va raqobat muhitini buzishi mumkin bo\u2018lgan amaliyotlar ustidan nazoratni kuchaytirmoqda. Avvalroq regulyator banklarni mijozni ortiqcha yuklaydigan va uning xabardor qilingan roziligini qiyinlashtiradigan murakkab shartnoma tuzilmalaridan foydalanish xavfi haqida ogohlantirgan edi.  <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Regulyator noqonuniy komissiyalar va kredit kartalarini kechiktirganda bloklash amaliyotiga e\u2019tibor qaratdi.<\/p>\n","protected":false},"author":3,"featured_media":14047,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sharing_image":{"poster":"https:\/\/frank.uz\/wp-content\/uploads\/2025\/12\/694265a58bc9a.jpg","width":1200,"height":630,"template":"2bf59057","mode":"auto"},"_sharing_image_fieldset":{"Dv78f24rp1hU":14047,"YlB8HH34jIzY":"Markaziy bank banklardan \u201cbosh takliflar\u201d orqali xizmat ko\u2018rsatishni majburlashni to\u2018xtatishni talab qildi"},"pin_until":"","footnotes":""},"categories":[622],"tags":[],"class_list":["post-14053","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-yangiliklar"],"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>Markaziy bank banklardan \u201cbosh takliflar\u201d orqali xizmat ko\u2018rsatishni majburlashni to\u2018xtatishni talab qildi &#8212; 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