{"id":1540,"date":"2022-10-26T03:37:46","date_gmt":"2022-10-26T03:37:46","guid":{"rendered":"https:\/\/invexi.org\/?p=1540"},"modified":"2022-10-26T03:39:33","modified_gmt":"2022-10-26T03:39:33","slug":"financial-stability-report-for-h1-2022-of-the-central-bank-of-uzbekistan","status":"publish","type":"post","link":"https:\/\/invexi.org\/uz\/press\/financial-stability-report-for-h1-2022-of-the-central-bank-of-uzbekistan\/","title":{"rendered":"2022 yilning I yarim yilligi uchun O\u2018zbekiston Respublikasi Markaziy bankining Moliyaviy barqarorlik bo\u2018yicha sharhi"},"content":{"rendered":"<p><\/p>\n<p><em>Mazkur sharh Markaziy bankning moliyaviy barqarorlik bo\u2018yicha chop etilayotgan ilk sharhi hisoblanadi.<\/em><\/p>\n<p>2022 yilning I yarim yilligi uchun moliyaviy barqarorlik sharhida makromoliyaviy sharoitlar, jumladan, ichki va tashqi sharoitlar, bank tizimining moliyaviy barqarorlik tahlili, makropudensial siyosat vositalari, dastlabki makro stress-test natijalari aks ettirilgan.<\/p>\n<p>Shuningdek, ushbu sharhda O\u2018zbekistonda moliyaviy barqarorlik uchun asosiy ichki va tashqi xatarlar baholangan. Tashqi geosiyosiy vaziyatning yomonlashishi hisobiga yuzaga kelgan shoklar, jahonda inflyatsion jarayonlarning kuchayishi, ichki qarz yuki hamda muammoli kreditlar hajmining yuqori bo\u2018lishiga qaramasdan, hozirgi paytda O\u2018zbekiston bank tizimida moliyaviy barqarorlik saqlanib turibdi.<\/p>\n<p>2022 yilning I yarim yilligida bank tizimining moliyaviy barqarorlik ko\u2018rsatkichlari o\u2018rnatilgan minimal talablaridan yuqori shakllangan.<\/p>\n<p>So\u2018nggi 3-4 yillarda O\u2018zbekistonda jami kreditlarning yalpi ichki mahsulotga nisbati sezilarli darajada oshgan.<\/p>\n<p>Pandemiya sababli banklar muammoli kreditlarining (NPL) jami kreditlardagi ulushi 2020\u20132021 yillarda o\u2018zining yuqori cho\u2018qqisiga ya\u2019ni 5-6 foizgacha ko\u2018tarilgan. Biroq, iqtisodiy faollikning oshishi hamda biznes sub\u2019ektlar va aholining to\u2018lovga qobiliyatliligining yaxshilanishi hisobiga muammoli kreditlarining jami kreditlardagi ulushi pasayib, 2022 yil<\/p>\n<p>1 oktabr holatiga 4,7 foizni tashkil etdi. Tarmoqlar qirqimida muammoli kreditlar sanoat va qishloq xo\u2018jaligida sezilarli oshgan.<\/p>\n<p>2018\u20132021 yillarda jami ipoteka kreditlarining 60\u201370 foizini kredit to\u2018lovining daromadga nisbati (PTI) 51 foizdan yuqori bo\u2018lgan ipoteka kreditlari tashkil etgan.<\/p>\n<p>Makro stress-test natijalari asosiy va mo\u2018\u2019tadil ssenariylarda banklarning kapital yetarlilik darajasi qisqa va o\u2018rta muddatli istiqbolda minimal regulyativ kapital me\u2019yoridan yuqori bo\u2018lishini hamda turli xil shoklarga yaxshi bardosh bera olishini ko\u2018rsatgan. Xatarli ssenariyda, ya\u2019ni iqtisodiyotning keskin yomonlashuvi va valyuta kursining sezilarli darajada qadrsizlanishi holatida esa, bank tizimi regulyativ kapitalning o\u2018rnatilgan minimal me\u2019yordan tushib ketish ehtimollari mavjudligi aniqlangan.<\/p>\n<p>Shuningdek, ushbu sharhda O\u2018zbekistonda makroprudensial siyosat asoslarini rivojlantirish yuzasidan bank tizimining konsentratsiyalashuv darajasi, tizimli ahamiyatga molik banklar uchun qo\u2018shimcha bufer qo\u2018llash zarurati hamda uning eng maqbul darajasini aniqlash bo\u2018yicha tahlillar ham qamrab olingan.<\/p>\n<p>To\u2018liq sharh bilan quyidagi havola orqali tanishish mumkin: <a href=\"https:\/\/cbu.uz\/oz\/press_center\/news\/717747\/\">https:\/\/cbu.uz\/oz\/press_center\/news\/717747\/<\/a><\/p>\n<p>&nbsp;<\/p>\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>Mazkur sharh Markaziy bankning moliyaviy barqarorlik bo\u2018yicha chop etilayotgan ilk sharhi hisoblanadi.<\/p>\n","protected":false},"author":1,"featured_media":1541,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-1540","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-press"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/invexi.org\/uz\/wp-json\/wp\/v2\/posts\/1540","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/invexi.org\/uz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/invexi.org\/uz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/invexi.org\/uz\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/invexi.org\/uz\/wp-json\/wp\/v2\/comments?post=1540"}],"version-history":[{"count":7,"href":"https:\/\/invexi.org\/uz\/wp-json\/wp\/v2\/posts\/1540\/revisions"}],"predecessor-version":[{"id":1551,"href":"https:\/\/invexi.org\/uz\/wp-json\/wp\/v2\/posts\/1540\/revisions\/1551"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/invexi.org\/uz\/wp-json\/wp\/v2\/media\/1541"}],"wp:attachment":[{"href":"https:\/\/invexi.org\/uz\/wp-json\/wp\/v2\/media?parent=1540"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/invexi.org\/uz\/wp-json\/wp\/v2\/categories?post=1540"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/invexi.org\/uz\/wp-json\/wp\/v2\/tags?post=1540"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}