{"id":16529,"date":"2026-05-27T15:00:42","date_gmt":"2026-05-27T10:00:42","guid":{"rendered":"https:\/\/invest-in-uzbekistan.org\/?p=16529"},"modified":"2026-05-27T15:00:42","modified_gmt":"2026-05-27T10:00:42","slug":"povysitsya-dostupnost-finansovyh-uslug-dlya-malogo-i-srednego-biznesa","status":"publish","type":"post","link":"https:\/\/invest-in-uzbekistan.org\/uz\/novosti-uzbekistana\/povysitsya-dostupnost-finansovyh-uslug-dlya-malogo-i-srednego-biznesa\/","title":{"rendered":"Kichik va o\u02bbrta biznes uchun moliyaviy xizmatlar ommabopligi oshiriladi"},"content":{"rendered":"<strong>Prezident Shavkat Mirziyoyev kichik va o\u02bbrta biznesni moliyaviy qo\u02bbllab-quvvatlashni kengaytirish hamda moliyaviy xizmatlar ommabopligini oshirishga qaratilgan takliflar taqdimoti bilan tanishdi, deb <a href=\"https:\/\/president.uz\/oz\/lists\/view\/9251\">xabar bermoqda<\/a> davlatimiz rahbari matbuot xizmati.<\/strong><\/p>\n<p><a href=\"http:\/\/invest-in-uzbekistan.org\/wp-content\/uploads\/96c3d54d-94e2-0e84-ede3-0c608cb952f2_lists_slider_9251.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-16530\" src=\"http:\/\/invest-in-uzbekistan.org\/wp-content\/uploads\/96c3d54d-94e2-0e84-ede3-0c608cb952f2_lists_slider_9251.jpg\" alt=\"\" width=\"1900\" height=\"1266\" srcset=\"https:\/\/invest-in-uzbekistan.org\/wp-content\/uploads\/96c3d54d-94e2-0e84-ede3-0c608cb952f2_lists_slider_9251.jpg 1900w, https:\/\/invest-in-uzbekistan.org\/wp-content\/uploads\/96c3d54d-94e2-0e84-ede3-0c608cb952f2_lists_slider_9251-300x200.jpg 300w, https:\/\/invest-in-uzbekistan.org\/wp-content\/uploads\/96c3d54d-94e2-0e84-ede3-0c608cb952f2_lists_slider_9251-1024x682.jpg 1024w, https:\/\/invest-in-uzbekistan.org\/wp-content\/uploads\/96c3d54d-94e2-0e84-ede3-0c608cb952f2_lists_slider_9251-768x512.jpg 768w, https:\/\/invest-in-uzbekistan.org\/wp-content\/uploads\/96c3d54d-94e2-0e84-ede3-0c608cb952f2_lists_slider_9251-1536x1023.jpg 1536w, https:\/\/invest-in-uzbekistan.org\/wp-content\/uploads\/96c3d54d-94e2-0e84-ede3-0c608cb952f2_lists_slider_9251-254x169.jpg 254w\" sizes=\"auto, (max-width: 1900px) 100vw, 1900px\" \/><\/a><\/p>\n<p>Tadbirkorlikni rivojlantirish, kichik va o\u02bbrta biznesning iqtisodiyotdagi ulushini oshirish, ular uchun moliyaviy resurslardan foydalanish imkoniyatlarini kengaytirish Yangi O\u02bbzbekiston islohotlarining muhim yo\u02bbnalishlaridan biri hisoblanadi.<\/p>\n<p>So\u02bbnggi yillarda bu borada qator dasturlar amalga oshirilib, tadbirkorlarga kredit, kompensatsiya, kafillik va boshqa moliyaviy qo\u02bbllab-quvvatlash mexanizmlari kengaytirildi. Shu bilan birga, kichik va o\u02bbrta biznesning moliyaviy xizmatlardan foydalanishida hali ham ayrim to\u02bbsiqlar saqlanib qolayotgani qayd etildi.<\/p>\n<p>Bugungi kunda kichik va o\u02bbrta biznesga ajratilgan kreditlar portfeli 218 trillion so\u02bbmni tashkil etmoqda. Bu yalpi ichki mahsulotga nisbatan 12 foizga teng. Shu bilan birga, onlayn tarzda ajratilayotgan ta\u02bcminotsiz mikrokreditlar ulushi kam. Ta\u02bcminotsiz onlayn mikrokredit ajratish jarayoni o\u02bbrtacha 7 kungacha vaqt olmoqda. Tadbirkor kredit olish uchun bir nechta bank takliflarini bir joyda ko\u02bbrish, solishtirish va o\u02bbziga maqbul shartlarni tanlash imkoniyatiga ega emas.<\/p>\n<p>Shu munosabat bilan taqdimotda raqamli moliyaviy platformani ishga tushirish taklif qilindi. U orqali tadbirkor kredit olish uchun ariza beradi, bir nechta banklardan tijorat takliflarini oladi, ularni taqqoslab, o\u02bbziga qulayini tanlaydi.<\/p>\n<p>Platforma \u201cElektron hukumat\u201d tizimining raqamli ma\u02bclumotlar bazalari bilan integratsiya qilinadi. Kichik va o\u02bbrta biznes subyektlariga oid ma\u02bclumotlar avtomatik ravishda olinib, banklarga taqdim etiladi. Bu kredit berish jarayonida hujjat yig\u02bbish, ortiqcha vaqt sarflash va inson omilini kamaytirishga xizmat qiladi.<\/p>\n<p>2026-yil 1-dekabrdan boshlab platforma doirasida sun\u02bciy intellekt texnologiyalari elementlaridan foydalangan holda muqobil skoring modeli joriy etiladi.<\/p>\n<p>An\u02bcanaviy skoring asosan kredit tarixiga tayansa, muqobil skoring biznes faolligi, kommunal to\u02bblovlar, aylanmalar, soliq va boshqa raqamli ma\u02bclumotlarni ham hisobga oladi. Bu kredit tarixi mavjud bo\u02bblmagan tadbirkorlarni ham baholash, ularga moliyaviy xizmatlardan foydalanish imkoniyatini kengaytirishga yo\u02bbl ochadi.<\/p>\n<p>Shuningdek, kelgusida sun\u02bciy intellekt asosida tadbirkorning kredit tarixini yaxshilash, kelgusidagi xatarlarni baholash va biznesni rivojlantirish bo\u02bbyicha tavsiyalarni shakllantirish imkoniyati yaratiladi.<\/p>\n<p>Tijorat banklari tomonidan \u201cAI maslahatchisi\u201d dasturini ishga tushirish ham nazarda tutilmoqda. Mazkur dastur mahallalar ixtisoslashuvi va o\u02bbsish nuqtalarini hisobga olgan holda biznes g\u02bboyalarni ishlab chiqish, ularni moliyalashtirish imkoniyatlarini aniqlashga ko\u02bbmaklashadi.<\/p>\n<p>Kichik biznesni uzluksiz qo\u02bbllab-quvvatlash dasturi doirasida ham qo\u02bbshimcha yengilliklar belgilanmoqda. Avval dastur doirasida mikrokreditdan foydalangan va ijobiy kredit tarixiga ega tadbirkorlar uchun mikrokreditning garovsiz qismi 100 million so\u02bbmdan 200 million so\u02bbmgacha oshiriladi.<\/p>\n<p>Qolaversa, kredit yoki lizing miqdoridan qat\u02bci nazar, uning 5 milliard so\u02bbmgacha bo\u02bblgan qismi uchun foiz xarajatlari kompensatsiya qilinadi.<\/p>\n<p>Har yili o\u02bbz faoliyatini kengaytirgan va yuqori natija ko\u02bbrsatgan 100 ta tadbirkorlik subyektiga raqamlashtirish, xalqaro standartlar va \u201cyashil\u201d texnologiyalarni joriy etish bilan bog\u02bbliq xarajatlar uchun 300 million so\u02bbmgacha grant ajratish taklif etildi.<\/p>\n<p>Davlatimiz rahbari taqdim etilgan takliflarni ma\u02bcqullab, kredit tarixiga ega bo\u02bblmagan kichik va o\u02bbrta biznes subyektlariga moliyaviy xizmatlardan foydalanish imkoniyatini kengaytirish, platforma xavfsizligi va ma\u02bclumotlarning himoyalanganligini ta\u02bcminlash yuzasidan mutasaddilarga topshiriqlar berdi.","protected":false},"excerpt":{"rendered":"<p>Prezident Shavkat Mirziyoyev kichik va o\u02bbrta biznesni moliyaviy qo\u02bbllab-quvvatlashni kengaytirish hamda moliyaviy xizmatlar ommabopligini oshirishga qaratilgan takliflar taqdimoti bilan tanishdi, deb xabar bermoqda davlatimiz rahbari matbuot xizmati. Tadbirkorlikni rivojlantirish, kichik&#8230;<\/p>\n","protected":false},"author":1,"featured_media":16531,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[3],"tags":[],"class_list":["post-16529","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-novosti-uzbekistana"],"acf":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/invest-in-uzbekistan.org\/uz\/wp-json\/wp\/v2\/posts\/16529","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/invest-in-uzbekistan.org\/uz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/invest-in-uzbekistan.org\/uz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/invest-in-uzbekistan.org\/uz\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/invest-in-uzbekistan.org\/uz\/wp-json\/wp\/v2\/comments?post=16529"}],"version-history":[{"count":1,"href":"https:\/\/invest-in-uzbekistan.org\/uz\/wp-json\/wp\/v2\/posts\/16529\/revisions"}],"predecessor-version":[{"id":16532,"href":"https:\/\/invest-in-uzbekistan.org\/uz\/wp-json\/wp\/v2\/posts\/16529\/revisions\/16532"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/invest-in-uzbekistan.org\/uz\/wp-json\/wp\/v2\/media\/16531"}],"wp:attachment":[{"href":"https:\/\/invest-in-uzbekistan.org\/uz\/wp-json\/wp\/v2\/media?parent=16529"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/invest-in-uzbekistan.org\/uz\/wp-json\/wp\/v2\/categories?post=16529"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/invest-in-uzbekistan.org\/uz\/wp-json\/wp\/v2\/tags?post=16529"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}