Búl saladaghy ózgerister turaly kóp aityla bermeydi. Biraq ishinde jýrgen mamandar jaqsy biledi: songhy jyldary dәl osy baghytta eng jýieli reformalar jýzege asty.

Eng aldymen, «Qazaqstan Respublikasyndaghy bankter jәne bank qyzmeti turaly» jana zang kýshine endi.

Jana zang arqyly:

• bazalyq jәne әmbebap banktik liysenziyalar engizildi;
• bank naryghyndaghy bәsekelestik kýsheytildi;
• korporativtik basqarugha qoyylatyn talaptar artty;
• halyqaralyq bank qadaghalau standarttary engizildi;
• islamdyq qarjylandyrudy damytugha mýmkindik jasaldy;
• sifrlyq qarjy aktivteri men finteh qyzmetteri qúqyqtyq túrghydan rettele bastady
• bank kliyentterining qúqyqtaryn qorghaugha búrynghy jyldargha qaraghande erekshe kónil bóline bastady.

Kredittik alayaqtyqqa qarsy jana mehanizmder engizilip jatyr. Biometriyalyq sәikestendiru keneytildi, bóten adamnyng atyna nesie rәsimdeudi qiyndatatyn qosymsha qorghanys qúraldary engizilude.

Sottan tys bankrottyq rәsimderi jenildetildi, qaryzdardy qayta qúrylymdau mýmkindikteri keneydi, jeke túlghalardyng problemalyq qaryzdaryn kollektorlargha satugha qoyylghan shekteuler úzartyldy, halyqtyng boryshtyq jýktemesin tómendetuge arnalghan jana qúraldar engizildi.

Áriyne, alayaqtyq tolyq joyyldy deuge bolmaydy. Biraq qabyldanghan zandardyng nәtiyjesi bir kýnde kórinbeydi. Búghan uaqyt qajet. Sonymen qatar halyqtyng qarjylyq sauattylyghyn arttyru júmystary әli de jalghasuy tiyis.

Taghy bir ýlken ózgeris – sifrlyq qarjy jýiesining damuy. Qazir Qazaqstan qolma-qol aqshasyz tólemder boyynsha әlemdegi kóshbasshylardyng birine ainaldy. Qysqa uaqyt ishinde:

• mobilidi tólemder;
• QR arqyly tólem jasau;
• onlayn kredit beru;
• memlekettik sifrlyq qyzmetter;
• bankterding sifrlyq ekojýieleri qarqyndy damydy.
• Birynghay QR jýiesi iske qosyldy.
• Sifrlyq tenge ainalymgha engizildi.
• Alatau City jobasynda sifrlyq tólem qúraldaryn engizu negizgi mindetterding biri retinde aiqyndaldy.

Bankter men finteh-kompaniyalar arasyndaghy bәsekelestik milliondaghan qazaqstandyq kýndelikti paydalanatyn әri әlemde balamasy joq jana servisterding payda boluyna jol ashty.

Preziydent jýktegen taghy bir mindet - bank naryghyndaghy joghary shoghyrlanudy azaytu boldy. Sol ýshin eki dengeyli liysenziyalau jýiesi engizilip, jana bankterding naryqqa keluine jaghday jasaluda. Úzaq uaqyttaaghy ýzilisten keyin alghashqy jana banktik liysenziyalar berile bastady.

Pandemiyagha, әlemdik inflyasiyagha jәne geosayasy túraqsyzdyqqa qaramastan, Qazaqstannyng bank jýiesi túraqtylyghyn saqtap qaldy. Qazir bank aktivteri ósip keledi, ekonomikany kreditteu kólemi artyp jatyr, problemalyq kreditterding ýlesi halyqaralyq dengeymen salystyrghanda tómen kýiinde qalyp otyr.

Áriyne, sheshimin kýtken mәseleler әli de jetkilikti. Degenmen songhy bes-jeti jylda Qazaqstannyng qarjy jýiesi aitarlyqtay ózgerdi. Meninshe, búl ózgeristerding basym bóligi Qasym-Jomart Toqaevtyng preziydenttigi kezeninde tikeley talap etuimen jýzege asty jәne qazir jalghasyp jatyr. Múny qabyldanghan zandar men iske asqan jobalargha sýiengen naqty reformalardyng nәtiyjesi retinde qarastyrghan dúrys.

BAQ, sarapshylar osy eki saladaghy óte auqymdy ózgeristerge aghymdaghy janalyq týrinde ghana mәn berip, tiyanaqty aitylmay jýrgendikten, bәrining basyn qosyp, osynday úzyn post jazugha tura keldi. Dәl osy eki saladaghy ózgerister kóbirek aityluy kerek.

Erbol Azanbek

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