{"id":72475,"date":"2025-10-17T10:31:13","date_gmt":"2025-10-17T05:31:13","guid":{"rendered":"https:\/\/raqobat.gov.uz\/?p=72475"},"modified":"2025-10-17T10:31:13","modified_gmt":"2025-10-17T05:31:13","slug":"ogoh-boling-moliyaviy-barqarorligingiz-oz-qolingizda","status":"publish","type":"post","link":"https:\/\/raqobat.gov.uz\/uz\/ogoh-boling-moliyaviy-barqarorligingiz-oz-qolingizda\/","title":{"rendered":"Ogoh bo\u2018ling \u2013 moliyaviy barqarorligingiz o\u2018z qo\u2018lingizda!"},"content":{"rendered":"<p>So\u2018nggi yillarda mamlakatimizda mikroqarz va iste\u2019mol kreditlari bozorida faollik ortib borayotgani kuzatilmoqda. Shu bilan birga, ayrim kredit tashkilotlari tomonidan agressiv marketing va reklama orqali aholi o\u2018rtasida bunday moliyaviy xizmatlarning ommalashuvi, natijada esa qarz yukining keskin o\u2018sishi kuzatilmoqda.<br \/>\nAksar hollarda bunday qarz mahsulotlari reklama va targ\u2018ibot materiallarida aholining e\u2019tibori ularni tez va oson tarzda olish imkoniyatiga qaratiladi. Biroq, bunday yondashuvlar qarz majburiyatlarining kelgusida keltirib chiqarishi mumkin bo\u2018lgan moliyaviy xatarlari to\u2018g\u2018risida yetarlicha ma\u2019lumot bermasligi oqibatida fuqarolar moliyaviy qiyinchiliklarga duch kelishi mumkin.<br \/>\nShu munosabat bilan, Raqobat qo\u2018mitasi tomonidan O\u2018zbekiston Respublikasi Markaziy banki bilan hamkorlikda xorijiy davlatlar tajribasini inobatga olgan holda \u201cReklama to\u2018g\u2018risida\u201dgi Qonunining 43-moddasiga tegishli qo\u2018shimchalar kiritish taklif qilinmoqda.<br \/>\nMazkur takliflarga ko\u2018ra, aholiga taklif etilayotgan kredit, jumladan mikroqarzlar reklama qilinganda, reklama maydoni va vaqtining kamida 10 foizi bunday moliyaviy xizmatlardan foydalanish oqibatida yuzaga kelishi mumkin bo\u2018lgan moliyaviy xatarlar to\u2018g\u2018risidagi ogohlantirishga ajratilishi belgilanmoqda.<br \/>\nUshbu tashabbus aholining moliyaviy xabardorligini oshirish, ongli qarz olish madaniyatini shakllantirish hamda ortiqcha qarz yukining oldini olishga qaratilgan.<br \/>\nRaqobat qo\u2018mitasi fuqarolarni har qanday qarz majburiyatini olgan holda o\u2018z moliyaviy imkoniyatlarini aniq va mas\u2019uliyatli baholashga, shuningdek, bunday xizmatlar bilan bog\u2018liq shartlar, foiz stavkalari va to\u2018lov majburiyatlarini diqqat bilan o\u2018rganishga chaqiradi.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>So\u2018nggi yillarda mamlakatimizda mikroqarz va iste\u2019mol kreditlari bozorida faollik ortib borayotgani kuzatilmoqda. Shu bilan birga, ayrim kredit tashkilotlari tomonidan agressiv marketing va reklama orqali aholi o\u2018rtasida bunday moliyaviy xizmatlarning ommalashuvi, natijada esa qarz yukining keskin o\u2018sishi kuzatilmoqda. Aksar hollarda bunday qarz mahsulotlari reklama va targ\u2018ibot materiallarida aholining e\u2019tibori ularni tez va oson tarzda olish imkoniyatiga&hellip;<\/p>\n","protected":false},"author":1,"featured_media":72473,"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>Ogoh bo\u2018ling \u2013 moliyaviy barqarorligingiz o\u2018z qo\u2018lingizda! - 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\/ogoh-boling-moliyaviy-barqarorligingiz-oz-qolingizda\/\" \/>\n<meta property=\"og:locale\" content=\"uz_UZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ogoh bo\u2018ling \u2013 moliyaviy barqarorligingiz o\u2018z qo\u2018lingizda! - O\u02bbzbekiston Respublikasi Raqobatni rivojlantirish va iste&#039;molchilar huquqlarini himoya qilish qo\u02bbmitasi.\" \/>\n<meta property=\"og:description\" content=\"So\u2018nggi yillarda mamlakatimizda mikroqarz va iste\u2019mol kreditlari bozorida faollik ortib borayotgani kuzatilmoqda. 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