Qazaq qoghamynda qarjylyq sauattylyq óte tómen. Tipti, joq deuge bolady. Bizding qarajat jayly tayyz pikirimiz osy mamandyqqa degen nemqúraylyqtan da boluy kәdik. Týisigimizde qarjy, aqsha atauyna qatysty sózdi tek qana buhgalter ghana aituy tiyis siyaqty. Al, qazaqtyng qalypty týsingi mynau: aqshanyng jýrgen jeri aram… aqshamen júmys istegenning bәri qu men súm. Ras, Sovet odaghynyng túsynda da, qazir de eng kóp isti bolatyndar - osy mamandyq iyeleri. Iya, eki qoghamda da OBHSS pen QarjyPol óte bedeldi әri sústy bolghan… Qarjylyq sauatylyghymyzdan tómendiginen bizding barlyq jeke qújatymyz otandyq bankterding nesie portfelinde yjdaghattylyqpen saqtalyp túr. Osy sauatsyzdyq pen bilimsizdikting kesirinen әrbir ekinshi jerlesimiz jogharghy payyzdy nesiyege toy istep jýr…

Elimizdegi qarjylyq sauattylyqtyng dengeyin anyqtauda biz qoghamdy 3 topqa bólip qarastyruymyz kerek siyaqty. Birinshi top (mýmkin ýstem tap?) - milliondar men milliardtardy ainalymda ústaytyn әri qazynasyn Qazaqstannan tys elde saqtaytyndar. Búlar turaly aita almaymyz. Oghan qúlqymyz da soqpaydy. Ekinshi top: azdaghan dәuleti bar adamdar, qysqasy… Olardyng qatarynda kәsipkerler, fermerler, tipti sheneunikter de bar. Al, ýshinshi top – memlekettik budjet pen jaldamaly enbek naryghynan tabys tabatyn, sonysynan salyq tóleytin, sonysymen әuletin asyraytyn qoghamdyq armiya! Iya, bankterden eng kóp nesie alyp qoyghandardyng da qalyng shoghyry osy topqa jatady. Endi osy toptyng qaysyna qarjylyq sauattylyqty kótergen dúrys? Arnayy mamandardyng nanyn tartyp jeuge qolymyz qysqa, biraq, oy qosugha qaqylymyz. Bizdinshe, aldymen ortanghy buynnan bastau kerek siyaqty. Óitkeni, otandyq qarjy instituttarynyng negizgi tútynushylary - osy top. Bir qaraghanda búl toptyng sauattylyghy jetkilikti siyaqty kórinedi. Anyghynda, jaqynda bolghan devalivasiyagha deyin biz ózimizdi solay sendirip kelippiz.

Esimizge byltyrghy oqighany oraltayyq. AQSh dollary qymbattap shygha kelgen kýnderdegi otandyq bankterge jasalghan «sms-shabuyldy» eske týsirelik. Iya, otandastarymyz biz oilaghanan әldeqayda auqatty eken… Júrttyng aqshasy… júrttyng aqshasy! Biraq, myndaghan adamdardyng qarjylyq sauatsyzdyghy resmy qúrylymdargha emes, úzynqúlaqqa qatty senetindigin bayqatty. Ras, bir jaghynan bank tandauda anyq tandau jasau kerektigin de bilip alghanymyz jón. Tek, adamdardyng ózi tandaghan bankting menedjerine emes, әldekimning úyaly telefonynan joldanghan hatqa senim artqandyghy kimdi oilanuy tiyis endi? Mýmkin, búl búqaranyng memleketke degen senimi jayly da oilanugha bastaytyn saual shyghar?.. Taghy aitamyz, bizdiki - taldau emes, oy tastau.

Q.MÚQAMETQALIY.

Abay.kz