{"id":5357,"date":"2025-07-13T09:04:57","date_gmt":"2025-07-13T04:04:57","guid":{"rendered":"https:\/\/frank.uz\/bez-kategorii\/mb-ozbekistonda-muddatli-tolovlarni-tartibga-solishni-joriy-etmoqda\/"},"modified":"2025-07-13T09:04:57","modified_gmt":"2025-07-13T04:04:57","slug":"mb-ozbekistonda-muddatli-tolovlarni-tartibga-solishni-joriy-etmoqda","status":"publish","type":"post","link":"https:\/\/frank.uz\/uz\/yangiliklar\/mb-ozbekistonda-muddatli-tolovlarni-tartibga-solishni-joriy-etmoqda\/","title":{"rendered":"MB O\u2018zbekistonda muddatli to\u2018lovlarni tartibga solishni joriy etmoqda"},"content":{"rendered":"<p><strong>Nima uchun bu muhim<\/strong><\/p>\n<p>BNPL endi moliya bozorining yirik segmentiga aylandi: 2024-yil oxirida portfel 8,5 trillion so\u2018mga (658 million dollar) yetdi, bozorning uchdan ikki qismini Uzum Nasiya va Alif Nasiya egalladi. Ushbu qarzlarni to\u2018liq hisobga olmasdan, banklar kreditlarni ko\u2018r-ko\u2018rona beradi, bu esa qarzlarni to\u2018lamaslik xavfini tug\u2018diradi va \u201cko\u2018rinmas\u201d qarzlarning to\u2018planishiga olib keladi. <\/p>\n<p><strong>Nima bo&#8217;ldi<\/strong><\/p>\n<ul>\n<li>Markaziy bank regulyatorlar, Moliya vazirligi, fintech hamjamiyati va iste\u2019molchilar tashkilotlari bilan muhokama o\u2018tkazdi; qonun loyihasi jarayoni boshlandi.<\/li>\n<li>Loyihada: Kredit tarixiga majburiy o\u2018tkazish, to\u2018lov qobiliyatini skoring qilish, BNPL komissiyalari va shartlarini oshkor qilish.<\/li>\n<li>Uzum Nasiya allaqachon mijozlar xatti-harakatlarini tahlil qilish va shaxsiylashtirilgan takliflarni shakllantirish uchun neyron tarmoqlar yordamida skoring modelini takomillashtirmoqda.<\/li>\n<li>FinTex assotsiatsiyasi iste\u2019molchi tomonidan xavflarni o\u2018z-o\u2018zini muvozanatlashning mukammal emasligini ta\u2019kidlab, tashabbusni qo\u2018llab-quvvatladi.<\/li>\n<\/ul>\n<p><strong>Nima deyishdi<\/strong><\/p>\n<ul>\n<li>Markaziy bank rahbari Timur Ishmetov: \u201cBNPL haddan tashqari qarz yukiga olib kelishi mumkin, banklar to\u2018liq manzarani ko\u2018rmayapti\u201d.<\/li>\n<li>Click ta\u2019kidlashicha, tartibga solish raqamli modellarning o\u2018ziga xos xususiyatlarini va barcha tomonlarning manfaatlarini hisobga olishi kerak.<\/li>\n<li>Finextra ta\u2019kidlashicha, komissiyalarning shaffof emasligi va kredit tarixida qarzlarning hisobga olinmasligi asosiy xavflardir.<\/li>\n<\/ul>\n<p><strong>Mohiyat<\/strong><\/p>\n<p>O\u2018zbekistonda BNPL bozori 2023-2024-yillarda 450-500 million dollardan 660 million dollargacha o\u2018sdi, 2027-yilga kelib 1,5-2 milliard dollargacha o\u2018sishi prognoz qilinmoqda. Shu bilan birga, MFO uchun mikrokreditlar bo\u2018yicha cheklovlar kuchaytirildi \u2014 foydalanuvchilardan yillik qo\u2018shimcha to\u2018lovning ko\u2018pi bilan 50 foizini undirishga ruxsat berildi va BNPLning MFO kredit portfelidagi ulushi 25 foizdan oshmasligi kerak. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Markaziy bank bo\u2018lib-bo\u2018lib to\u2018lash xizmatlarini majburiy qilish, qarzlar to\u2018g\u2018risidagi ma\u2019lumotlarni Kredit byurosiga uzatish va skoringni joriy etishni taklif qildi. Maqsad \u2014 aholining ortiqcha qarzdorligiga yo\u2018l qo\u2018ymaslik va shaffoflikni oshirish. <\/p>\n","protected":false},"author":4,"featured_media":5340,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"_sharing_image":[],"_sharing_image_fieldset":[],"pin_until":"","footnotes":""},"categories":[622],"tags":[927,925,760,924,926],"class_list":["post-5357","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-yangiliklar","tag-bnpl-uz","tag-markaziy-bank","tag-finansy-uz","tag-raqamli-iqtisodiyot","tag-uzum-nasiya-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>MB O\u2018zbekistonda muddatli to\u2018lovlarni tartibga solishni joriy etmoqda &#8212; Frank.uz<\/title>\n<meta name=\"description\" content=\"Markaziy bank bo\u2018lib-bo\u2018lib to\u2018lash xizmatlarini majburiy qilish, qarzlar to\u2018g\u2018risidagi ma\u2019lumotlarni Kredit byurosiga uzatish va skoringni joriy etishni taklif qildi. 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