Qazaqstandyqtardyń bank shottary men depozitterindegi qarajat 2026 jyldyń alǵashqy segiz aiynda 30,5 trln teńgeden asty. Alaida aqshanyń basym bóligi iri somalar saqtalǵan shottarǵa tiesili. Al shaǵyn shottardaǵy qarajat kóbine kúndelikti shyǵyndarǵa jumsalady. Qazaqstan qarjygerleri qaýymdastyǵynyń (QQQ) zertteýi el turǵyndarynyń bank qarajatyn qalai paidalanatynyn jáne jinaqtarynyń qalai bólingenin kórsetti, dep habarlaidy dalanews.kz.
Aqshanyń 45 paiyzy iri shottarda jatyr
2026 jylǵy qańtar-tamyz aralyǵynda halyqtyń bank shottary men depozitterindegi qarajat kólemi 8,3%-ǵa ósip, 30,5 trln teńgeden asty. Biraq bul qarajat barlyq shotqa birdei bólinbegen. QQQ málimetinshe, bólshek depozitterdegi aqshanyń 45%-y 20 mln teńgeden astam qarajat saqtalǵan shottarǵa tiesili.
Bul shamamen 13,7 trln teńge. Al qalǵan 16,8 trln teńge budan az qarajat saqtalǵan shottarda jatyr. Degenmen bul kórsetkish qazaqstandyqtardyń 45%-y osyndai kólemde aqsha jinaǵanyn bildirmeidi. Zertteýde salymshylardyń sany emes, shottardaǵy qarajat kólemi esepke alynǵan. Bir adamnyń birneshe bankte depoziti men aǵymdaǵy shoty bolýy múmkin.
Sondyqtan zertteý nátijesine qarap, Qazaqstanda qansha adamnyń 20 mln teńgeden astam jinaǵy bar ekenin naqty anyqtaý múmkin emes.
1 mln teńgege deiingi shottardaǵy aqsha qaida jumsalady?
Shaǵyn jáne iri shottardyń aiyrmashylyǵy tek qarajat kóleminde emes, ony paidalaný tásilinde de baiqalady. QQQ zertteýine sáikes, shottaryndaǵy qaldyq 1 mln teńgege deiingi segmentte qarajattyń jartysynan astamy aǵymdaǵy shottarda saqtalady.
Mundai shottar kúndelikti qarjylyq operatsiialarǵa arnalǵan. Olarǵa jalaqy men basqa da kirister túsedi. Sondai-aq turǵyndar osy shottardan azyq-túlik, kommýnaldyq qyzmetter, aýdarymdar jáne basqa da qajettilikter úshin aqsha jumsaidy.
Sondyqtan bank statistikasynda halyqtyń qarajaty retinde eseptelgen aqshanyń bárin jinaq dep qarastyrýǵa bolmaidy. Mysaly, adam 350 myń teńge jalaqy alsa, bul aqsha kartadaǵy qaldyq retinde bank statistikasyna kiredi. Biraq onyń basym bóligi páteraqyǵa, azyq-túlikke jáne basqa da mindetti tólemderge jumsalýy múmkin. Demek, shottaǵy aqshanyń barlyǵy birdei uzaq merzimdi jinaq bolyp sanalmaidy.
Al iri shottarda jaǵdai ózgeshe. 20 mln teńgeden astam qarajat saqtalǵan shottarǵa teńgedegi turaqty depozittik qarajattyń 56%-y tiesili.
Mundai qarajat merzimdi jáne jinaq depozitterinde ornalastyrylady. Olardyń sharttary aǵymdaǵy shottarǵa qaraǵanda ózgeshe: ásirese jinaq depozitinen aqshany merziminen buryn alý kezinde syiaqynyń bir bóliginen aiyrylý nemese qarajatty qaitarýdy kútý merzimi siiaqty shekteýler bolýy múmkin. Osylaisha, shaǵyn shottar kúndelikti tólemderge jii paidalanylsa, iri shottar uzaq merzimdi teńgelik salymdardyń negizgi bóligi.
Alaida bul shaǵyn shottardaǵy aqshanyń bári jumsalady nemese iri somalardyń barlyǵy jyldar boiy saqtalady degendi bildirmeidi. Zertteý tek ártúrli shottardaǵy qarajat qurylymynyń aiyrmashylyǵyn kórsetedi.
Iri salymshylar aqshasyn qai valiýtada saqtaidy?
Zertteý nátijesi shottaǵy qarajat kólemine qarai turǵyndardyń shetel valiýtasyna degen kózqarasy da ártúrli ekenin kórsetti. 20 mln teńgege deiingi qarajat saqtalǵan shottarda valiýtalyq qarajattyń úlesi shamamen 8-10% bolsa, 20 mln teńgeden asatyn shottarda bul kórsetkish 32,1%-ǵa jetedi.
Iaǵni iri shottardaǵy qarajattyń shamamen úshten biri shetel valiýtasynda saqtalady. Sonymen qatar valiýtalyq qarajattyń basym bóligi salystyrmaly túrde tez paidalanýǵa bolatyn shottarda ornalasqan. QQQ dereginshe, valiýtalyq qarajattyń 95%-y aǵymdaǵy shottar men merzimsiz depozitterde saqtalady.
2026 jyldyń segiz aiynda halyqtyń teńgedegi depozitteri 12,2%-ǵa ósip, 24,7 trln teńgege jetken. Al teńgemen eseptegendegi valiýtalyq depozitterdiń kólemi 5,6%-ǵa azaiyp, 5,9 trln teńgeni quraǵan. Degenmen valiýtalyq depozitterdiń azaiýyn halyqtyń shetel valiýtasyndaǵy jinaqtarynan bas tartýymen ǵana túsindirýge bolmaidy. Osy kezeńde AQSh dollarynyń teńgege shaqqandaǵy baǵamy 8,7%-ǵa tómendegen. Bul valiýtalyq qarajatty ulttyq valiýtaǵa qaita eseptegendegi jalpy kólemine áser etken.
Bankterge iri salymshylar ne úshin mańyzdy?
Depozitterdiń qalai bólinetini bankter úshin de mańyzdy. Halyq aqshasyn merzimdi jáne jinaq depozitterine kóbirek ornalastyrǵan saiyn, qarjy uiymdary tartylǵan qarajatty josparlaýǵa múmkindik alady. Óitkeni mundai salymdardy aǵymdaǵy shottardaǵy aqshaǵa qaraǵanda birden sheship alý qiynyraq bolýy múmkin. QQQ málimetinshe, bólshek depozitter qorjynyndaǵy merzimdi jáne jinaq depozitteriniń úlesi 2025 jyldyń birinshi toqsanyndaǵy 15,6%-dan 2026 jyldyń ekinshi toqsanynda 30,9%-ǵa deiin ósken.
Al teńgedegi turaqty depozittik qarajattyń jartysynan astamy 20 mln teńgeden kóp aqsha saqtalǵan shottarǵa tiesili. Sondyqtan iri salymshylar bankter úshin mańyzdy klientter sanalady. Eger qarjy uiymy depozitterdiń kiristiligin kúrt tómendetse, salymshylardyń bir bóligi aqshasyn joǵary syiaqy usynatyn basqa bankke aýystyrýy múmkin.
QQQ sarapshylarynyń pikirinshe, iri salymshylar úshin básekeniń kúsheiýi aqsha-nesie saiasaty jumsarǵan jaǵdaida da depozit mólsherlemeleriniń tómendeý qarqynyn tejei alady. Bul Ulttyq banktiń bazalyq mólsherlemesi tómendegen kúnniń ózinde barlyq banktegi depozit syiaqysy birden ári birdei azaiady degen sóz emes.
Depozitterdiń ósýi qazaqstandyqtardyń turmysy týraly ne aitady?
Qazaqstandyqtardyń bank shottary men depozitterindegi qarajat kólemi ósip keledi. 2026 jyldyń alǵashqy segiz aiynda depozittik qorjyn 8%-dan astam ulǵaiǵan. Alaida bank shottaryndaǵy aqshanyń kóbeiýi halyqtyń basym bóliginiń qarjylyq jaǵdaiy jaqsarǵanyn birden bildirmeidi.
QQQ zertteýi qarajattyń ártúrli shottar arasynda birkelki bólinbegenin kórsetedi: shaǵyn shottarda kúndelikti tólemderge arnalǵan aqsha basym bolsa, barlyq depozittik qarajattyń 45%-y 20 mln teńgeden astam soma saqtalǵan shottarǵa tiesili.
Qazaqstandyq otbasylardyń naqty qarjylyq jaǵdaiyn baǵalaý úshin basqa da derekter qajet. Máselen, ár sanattaǵy salymshylardyń sany, bir adamǵa shaqqandaǵy jinaq kólemi, halyqtyń tabysy jáne aqshanyń satyp alý qabiletiniń ózgerýi eskerilýi kerek. Sondyqtan bankterdegi 30,5 trln teńge kórsetkishi qarapaiym otbasynyń qansha qarajaty bar ekenin ózdiginen kórsetpeidi.
Bir adam úshin bank shotyndaǵy aqsha kelesi jalaqyǵa deiingi kúndelikti shyǵyndarǵa arnalsa, ekinshi bireý úshin ol — ondaǵan million teńge jinap, syiaqy alatyn oryn. QQQ zertteýi halyqtyń bank qarajatyn paidalanýyndaǵy osy aiyrmashylyqty kórsetip otyr.
