Joriy yilning 2 may kuni O‘zbekiston Respublikasi Markaziy bankida Xalqaro valyuta jamg‘armasining konferensiyasi bo‘lib o‘tdi. Unda qatnashgan Markaziy bank raisi Timur Ishmetov mamlakatda muddatli to‘lov («rassrochka») bozorini tartibga solish bo‘yicha qo‘yilgan maqsad va rejalar haqida ma’lumot berdi.
Timur Ishmetovning ta’kidlashicha, regulyatorning asosiy e’tibori hozircha nazorat ostiga olinmagan, ammo iqtisodiy va moliyaviy xatarlar keltirib chiqarishi mumkin bo‘lgan yangi shakldagi bozorlarga qaratiladi. Ana shunday bozorlardan biri «BNPL» («Buy Now Pay Later» yoki «Hozir xarid qiling, keyin to‘lang») tizimi bo‘lib, so‘nggi vaqtlarda mamlakatimizda ushbu turdagi moliyaviy xizmat ko‘lami kengayib, sezilarli hajmga ega bo‘lgan.
«Biz ushbu sohaning faol ishtirokchilari bilan allaqachon bir nechta uchrashuvlar o‘tkazdik. Tahlil va muhokamalar yakunida muddatli to‘lov tizimini tartibga solish zarurati paydo bo‘ldi. Bunda banklar tomonidan aholining umumiy qarz yukida bo‘lib-bo‘lib to‘lash tizimini hisobga olish va mijozlarning huquqiy va moliyaviy manfaatlarini himoya qilish muhim o‘rin tutadi», — dedi Timur Ishmetov.
Markaziy bank rahbarining qayd etishicha, bu kabi choralar orqali mijozlarning huquqlari va moliyaviy manfaatlarini samarali himoya qilish ta’minlanadi. Shu bilan birga, aholining qarz yuki va umuman moliyaviy barqarorlikni saqlash imkoniyati ham oshadi.
Shuningdek, konferensiya ishtirokchilariga ko‘ra, bunday yangi tartib mamlakat iqtisodiyotida moliyaviy barqarorlikni mustahkamlash va bozorni shaffofligini oshirish uchun muhim qadam bo‘ladi.
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