{"id":69820,"date":"2025-07-21T09:45:14","date_gmt":"2025-07-21T04:45:14","guid":{"rendered":"https:\/\/raqobat.gov.uz\/?p=69820"},"modified":"2025-07-21T09:45:14","modified_gmt":"2025-07-21T04:45:14","slug":"moliyaviy-xizmatlar-reklamaci-boyicha-aniq-va-toliq-malumot-taqdim-etilishi-shart","status":"publish","type":"post","link":"https:\/\/raqobat.gov.uz\/uz\/moliyaviy-xizmatlar-reklamaci-boyicha-aniq-va-toliq-malumot-taqdim-etilishi-shart\/","title":{"rendered":"Moliyaviy xizmatlar reklamaci bo\u2018yicha aniq va to\u2018liq ma\u2019lumot taqdim etilishi shart"},"content":{"rendered":"<p>Moliyaviy xizmatlar reklamaci bo\u2018yicha aniq va to\u2018liq ma\u2019lumot taqdim etilishi shart<br \/>\nRaqobat qo\u2018mitasi o\u2018z vakolatlari doirasida iste\u2019molchilar huquqlari va reklama to\u2018g\u2018risidagi qonunchilikka rioya etilishi ustidan davlat nazoratini amalga oshiradi.<br \/>\nOlib borilgan monitoring va tahlillar davomida ommaviy axborot vositalari, internet sahifalari hamda ijtimoiy tarmoqlarda qonunchilik talablariga zid, iste\u2019molchilarni chalg\u2018ituvchi yoki noto\u2018g\u2018ri reklama va axborotlar joylashtirish holatlari hanuz kuzatilmoqda. Aksariyat qonunbuzarliklar moliyaviy xizmatlar reklamacida qayd etilmoqda.<br \/>\n&#x1faa7; Amaldagi \u201cReklama to\u2018g\u2018risida\u201dgi Qonunning 43-moddasiga muvofiq, moliyaviy xizmatlarga oid reklama:<br \/>\n\u2022 moliyaviy xizmatlar reklamasi yoki ular haqidagi reklama tarzidagi axborot;<br \/>\n\u2022 reklamadan foydalanuvchining ishonchini suiiste\u2019mol qilmaydigan va (yoki) reklamadan foydalanuvchining tajribasi va bilimi yetishmasligidan foydalanish niyatini ko\u2018zlamaydigan usulda taqdim etilishi;<br \/>\n\u2022 reklama qilinayotgan xizmatlarga bevosita aloqador bo\u2018lmagan axborotga ega bo\u2018lmasligi kerak;<br \/>\n\u2022 ushbu moliyaviy xizmatlar ko\u2018rsatish uchun shartnomalarning muhim shartlarini ochib berishi kerak.<br \/>\nBiroq ayrim hollarda reklamalarda bank omonat va kreditlar bo\u2018yicha foiz stavkalari, muddati, minimal talablar, qo\u2018shimcha to\u2018lovlar, mikroqarz shartlari, vositachilik yoki sug\u2018urta to\u2018lovlari haqida muhim ma\u2019lumotlar umuman keltirilmayapti yoki qisqa, noaniq shaklda berilmoqda.<br \/>\nShuningdek, moliyaviy xizmatlar reklamacida ikki ma\u2019noli ifodalar, oshirib ko\u2018rsatish yoki boshqa tashkilot nomidan kalit so\u2018z sifatida foydalanish orqali iste\u2019molchi chalg\u2018itilmoqda. Bu esa, iste\u2019molchilarning tovar (ish, xizmat) to\u2018g\u2018risida to\u2018g\u2018ri (to\u2018liq) va tushunarli ma\u2019lumot olishga bo\u2018lgan huquqlari buzilishiga sabab bo\u2018lmoqda.<br \/>\nRaqobat qo\u2018mitasi ogohlantiradi!<br \/>\nMoliyaviy xizmatlarga oid reklamalarda ma\u2019lumotlar:<br \/>\n\u2022 aniq va to\u2018liq bo\u2018lishi;<br \/>\n\u2022 o\u2018qilishi oson shaklda berilishi;<br \/>\n\u2022 fon bilan uyg\u2018un, o\u2018qilishi qiyin bo\u2018lgan mayda shriftlar yoki yashirin matn shaklida taqdim etilmasligini ta\u2019minlash zarurligini eslatamiz.<br \/>\nshuningdek, reklamalarda noto\u2018g\u2018ri yoki chalg\u2018ituvchi axborotlarni joylashtirish holatlari aniqlangan taqdirda, tegishli tartibda moliyaviy sanksiyalar qo\u2018llanilishini ma\u2019lum qilamiz.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Moliyaviy xizmatlar reklamaci bo\u2018yicha aniq va to\u2018liq ma\u2019lumot taqdim etilishi shart Raqobat qo\u2018mitasi o\u2018z vakolatlari doirasida iste\u2019molchilar huquqlari va reklama to\u2018g\u2018risidagi qonunchilikka rioya etilishi ustidan davlat nazoratini amalga oshiradi. Olib borilgan monitoring va tahlillar davomida ommaviy axborot vositalari, internet sahifalari hamda ijtimoiy tarmoqlarda qonunchilik talablariga zid, iste\u2019molchilarni chalg\u2018ituvchi yoki noto\u2018g\u2018ri reklama va axborotlar joylashtirish holatlari&hellip;<\/p>\n","protected":false},"author":1,"featured_media":69818,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jetpack_publicize_message":"","jetpack_is_tweetstorm":false,"jetpack_publicize_feature_enabled":true},"categories":[3],"tags":[],"jetpack_publicize_connections":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v16.0.3 (Yoast SEO v19.6.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Moliyaviy xizmatlar reklamaci bo\u2018yicha aniq va to\u2018liq ma\u2019lumot taqdim etilishi shart - O\u02bbzbekiston Respublikasi Raqobatni rivojlantirish va iste&#039;molchilar huquqlarini himoya qilish qo\u02bbmitasi.<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/raqobat.gov.uz\/uz\/moliyaviy-xizmatlar-reklamaci-boyicha-aniq-va-toliq-malumot-taqdim-etilishi-shart\/\" \/>\n<meta property=\"og:locale\" content=\"uz_UZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Moliyaviy xizmatlar reklamaci bo\u2018yicha aniq va to\u2018liq ma\u2019lumot taqdim etilishi shart - O\u02bbzbekiston Respublikasi Raqobatni rivojlantirish va iste&#039;molchilar huquqlarini himoya qilish qo\u02bbmitasi.\" \/>\n<meta property=\"og:description\" content=\"Moliyaviy xizmatlar reklamaci bo\u2018yicha aniq va to\u2018liq ma\u2019lumot taqdim etilishi shart Raqobat qo\u2018mitasi o\u2018z vakolatlari doirasida iste\u2019molchilar huquqlari va reklama to\u2018g\u2018risidagi qonunchilikka rioya etilishi ustidan davlat nazoratini amalga oshiradi. Olib borilgan monitoring va tahlillar davomida ommaviy axborot vositalari, internet sahifalari hamda ijtimoiy tarmoqlarda qonunchilik talablariga zid, iste\u2019molchilarni chalg\u2018ituvchi yoki noto\u2018g\u2018ri reklama va axborotlar joylashtirish holatlari&hellip;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/raqobat.gov.uz\/uz\/moliyaviy-xizmatlar-reklamaci-boyicha-aniq-va-toliq-malumot-taqdim-etilishi-shart\/\" \/>\n<meta property=\"og:site_name\" content=\"O\u02bbzbekiston Respublikasi Raqobatni rivojlantirish va iste&#039;molchilar huquqlarini himoya qilish qo\u02bbmitasi.\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/RaqobatGovUz\" \/>\n<meta property=\"article:published_time\" content=\"2025-07-21T04:45:14+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/raqobat.gov.uz\/wp-content\/uploads\/2025\/07\/1-7.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Raqobat qo&#039;mitasi\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@RaqobatGovUz\" \/>\n<meta name=\"twitter:site\" content=\"@RaqobatGovUz\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Raqobat qo'mitasi\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 daqiqa\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/raqobat.gov.uz\/uz\/moliyaviy-xizmatlar-reklamaci-boyicha-aniq-va-toliq-malumot-taqdim-etilishi-shart\/\",\"url\":\"https:\/\/raqobat.gov.uz\/uz\/moliyaviy-xizmatlar-reklamaci-boyicha-aniq-va-toliq-malumot-taqdim-etilishi-shart\/\",\"name\":\"Moliyaviy xizmatlar reklamaci bo\u2018yicha aniq va to\u2018liq ma\u2019lumot taqdim etilishi shart - O\u02bbzbekiston Respublikasi Raqobatni rivojlantirish va iste&#039;molchilar huquqlarini himoya qilish qo\u02bbmitasi.\",\"isPartOf\":{\"@id\":\"https:\/\/raqobat.gov.uz\/#website\"},\"datePublished\":\"2025-07-21T04:45:14+00:00\",\"dateModified\":\"2025-07-21T04:45:14+00:00\",\"author\":{\"@id\":\"https:\/\/raqobat.gov.uz\/#\/schema\/person\/04ebb39282240d0c5a34829330e2b224\"},\"breadcrumb\":{\"@id\":\"https:\/\/raqobat.gov.uz\/uz\/moliyaviy-xizmatlar-reklamaci-boyicha-aniq-va-toliq-malumot-taqdim-etilishi-shart\/#breadcrumb\"},\"inLanguage\":\"uz-UZ\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/raqobat.gov.uz\/uz\/moliyaviy-xizmatlar-reklamaci-boyicha-aniq-va-toliq-malumot-taqdim-etilishi-shart\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/raqobat.gov.uz\/uz\/moliyaviy-xizmatlar-reklamaci-boyicha-aniq-va-toliq-malumot-taqdim-etilishi-shart\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/raqobat.gov.uz\/uz\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Moliyaviy xizmatlar reklamaci bo\u2018yicha aniq va to\u2018liq ma\u2019lumot taqdim etilishi shart\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/raqobat.gov.uz\/#website\",\"url\":\"https:\/\/raqobat.gov.uz\/\",\"name\":\"O\u02bbzbekiston Respublikasi Raqobatni rivojlantirish va iste&#039;molchilar huquqlarini himoya qilish qo\u02bbmitasi.\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/raqobat.gov.uz\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"uz-UZ\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/raqobat.gov.uz\/#\/schema\/person\/04ebb39282240d0c5a34829330e2b224\",\"name\":\"Raqobat qo'mitasi\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"uz-UZ\",\"@id\":\"https:\/\/raqobat.gov.uz\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/2b578494f862acaeb90b2102b2e71ebd?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/2b578494f862acaeb90b2102b2e71ebd?s=96&d=mm&r=g\",\"caption\":\"Raqobat qo'mitasi\"},\"url\":\"https:\/\/raqobat.gov.uz\/uz\/author\/ntimondmin\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Moliyaviy xizmatlar reklamaci bo\u2018yicha aniq va to\u2018liq ma\u2019lumot taqdim etilishi shart - O\u02bbzbekiston Respublikasi Raqobatni rivojlantirish va iste&#039;molchilar huquqlarini himoya qilish qo\u02bbmitasi.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/raqobat.gov.uz\/uz\/moliyaviy-xizmatlar-reklamaci-boyicha-aniq-va-toliq-malumot-taqdim-etilishi-shart\/","og_locale":"uz_UZ","og_type":"article","og_title":"Moliyaviy xizmatlar reklamaci bo\u2018yicha aniq va to\u2018liq ma\u2019lumot taqdim etilishi shart - O\u02bbzbekiston Respublikasi Raqobatni rivojlantirish va iste&#039;molchilar huquqlarini himoya qilish qo\u02bbmitasi.","og_description":"Moliyaviy xizmatlar reklamaci bo\u2018yicha aniq va to\u2018liq ma\u2019lumot taqdim etilishi shart Raqobat qo\u2018mitasi o\u2018z vakolatlari doirasida iste\u2019molchilar huquqlari va reklama to\u2018g\u2018risidagi qonunchilikka rioya etilishi ustidan davlat nazoratini amalga oshiradi. Olib borilgan monitoring va tahlillar davomida ommaviy axborot vositalari, internet sahifalari hamda ijtimoiy tarmoqlarda qonunchilik talablariga zid, iste\u2019molchilarni chalg\u2018ituvchi yoki noto\u2018g\u2018ri reklama va axborotlar joylashtirish holatlari&hellip;","og_url":"https:\/\/raqobat.gov.uz\/uz\/moliyaviy-xizmatlar-reklamaci-boyicha-aniq-va-toliq-malumot-taqdim-etilishi-shart\/","og_site_name":"O\u02bbzbekiston Respublikasi Raqobatni rivojlantirish va iste&#039;molchilar huquqlarini himoya qilish qo\u02bbmitasi.","article_publisher":"https:\/\/www.facebook.com\/RaqobatGovUz","article_published_time":"2025-07-21T04:45:14+00:00","og_image":[{"width":1280,"height":720,"url":"https:\/\/raqobat.gov.uz\/wp-content\/uploads\/2025\/07\/1-7.jpg","type":"image\/jpeg"}],"author":"Raqobat qo'mitasi","twitter_card":"summary_large_image","twitter_creator":"@RaqobatGovUz","twitter_site":"@RaqobatGovUz","twitter_misc":{"Written by":"Raqobat qo'mitasi","Est. reading time":"2 daqiqa"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/raqobat.gov.uz\/uz\/moliyaviy-xizmatlar-reklamaci-boyicha-aniq-va-toliq-malumot-taqdim-etilishi-shart\/","url":"https:\/\/raqobat.gov.uz\/uz\/moliyaviy-xizmatlar-reklamaci-boyicha-aniq-va-toliq-malumot-taqdim-etilishi-shart\/","name":"Moliyaviy xizmatlar reklamaci bo\u2018yicha aniq va to\u2018liq ma\u2019lumot taqdim etilishi shart - O\u02bbzbekiston Respublikasi Raqobatni rivojlantirish va iste&#039;molchilar huquqlarini himoya qilish qo\u02bbmitasi.","isPartOf":{"@id":"https:\/\/raqobat.gov.uz\/#website"},"datePublished":"2025-07-21T04:45:14+00:00","dateModified":"2025-07-21T04:45:14+00:00","author":{"@id":"https:\/\/raqobat.gov.uz\/#\/schema\/person\/04ebb39282240d0c5a34829330e2b224"},"breadcrumb":{"@id":"https:\/\/raqobat.gov.uz\/uz\/moliyaviy-xizmatlar-reklamaci-boyicha-aniq-va-toliq-malumot-taqdim-etilishi-shart\/#breadcrumb"},"inLanguage":"uz-UZ","potentialAction":[{"@type":"ReadAction","target":["https:\/\/raqobat.gov.uz\/uz\/moliyaviy-xizmatlar-reklamaci-boyicha-aniq-va-toliq-malumot-taqdim-etilishi-shart\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/raqobat.gov.uz\/uz\/moliyaviy-xizmatlar-reklamaci-boyicha-aniq-va-toliq-malumot-taqdim-etilishi-shart\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/raqobat.gov.uz\/uz\/"},{"@type":"ListItem","position":2,"name":"Moliyaviy xizmatlar reklamaci bo\u2018yicha aniq va to\u2018liq ma\u2019lumot taqdim etilishi shart"}]},{"@type":"WebSite","@id":"https:\/\/raqobat.gov.uz\/#website","url":"https:\/\/raqobat.gov.uz\/","name":"O\u02bbzbekiston Respublikasi Raqobatni rivojlantirish va iste&#039;molchilar huquqlarini himoya qilish qo\u02bbmitasi.","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/raqobat.gov.uz\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"uz-UZ"},{"@type":"Person","@id":"https:\/\/raqobat.gov.uz\/#\/schema\/person\/04ebb39282240d0c5a34829330e2b224","name":"Raqobat qo'mitasi","image":{"@type":"ImageObject","inLanguage":"uz-UZ","@id":"https:\/\/raqobat.gov.uz\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/2b578494f862acaeb90b2102b2e71ebd?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/2b578494f862acaeb90b2102b2e71ebd?s=96&d=mm&r=g","caption":"Raqobat qo'mitasi"},"url":"https:\/\/raqobat.gov.uz\/uz\/author\/ntimondmin\/"}]}},"jetpack_featured_media_url":"https:\/\/raqobat.gov.uz\/wp-content\/uploads\/2025\/07\/1-7.jpg","_links":{"self":[{"href":"https:\/\/raqobat.gov.uz\/uz\/wp-json\/wp\/v2\/posts\/69820"}],"collection":[{"href":"https:\/\/raqobat.gov.uz\/uz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/raqobat.gov.uz\/uz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/raqobat.gov.uz\/uz\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/raqobat.gov.uz\/uz\/wp-json\/wp\/v2\/comments?post=69820"}],"version-history":[{"count":1,"href":"https:\/\/raqobat.gov.uz\/uz\/wp-json\/wp\/v2\/posts\/69820\/revisions"}],"predecessor-version":[{"id":69821,"href":"https:\/\/raqobat.gov.uz\/uz\/wp-json\/wp\/v2\/posts\/69820\/revisions\/69821"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/raqobat.gov.uz\/uz\/wp-json\/wp\/v2\/media\/69818"}],"wp:attachment":[{"href":"https:\/\/raqobat.gov.uz\/uz\/wp-json\/wp\/v2\/media?parent=69820"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/raqobat.gov.uz\/uz\/wp-json\/wp\/v2\/categories?post=69820"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/raqobat.gov.uz\/uz\/wp-json\/wp\/v2\/tags?post=69820"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}