2026 jyldyń qańtarynda Memleket basshysy Qazaqstandaǵy bankter jáne bank qyzmeti týraly jańa zańǵa qol qoidy. Qujat aiasynda aǵymdaǵy shottardaǵy qaldyqqa paiyz esepteýge tyiym salý normasy alynyp tastaldy. Buǵan deiin bul máseleni sarapshylar birneshe ret kótergen bolatyn.
Alaida sarapshylardyń aitýynsha, tyiym formaldy túrde joiylǵanymen, is júzinde onyń áseri sezilmeýi múmkin, dep habarlaidy Dalanews.kz.
Sarapshy Ǵalym Qusaiynovtyń sózinshe, buryn biznes pen qarapaiym azamattardyń aǵymdaǵy shottaryndaǵy qarajat bankter úshin tegin resýrs sanaldy. Ulttyq bank bazalyq mólsherleme arqyly bankterge 17 paiyzǵa jýyq tabys tóleý jaǵdaiynda, qarjy uiymdary jylyna shamamen 6 trillion teńgeni tegin paidalanyp kelgen. Sarapshylar mundai teńgerimsizdik bankter paidasyna jyl saiyn 1 trillion teńgege jýyq artyq tabys ákelgenin aitady.
Jańa zań tyiymdy alyp tastaǵanymen, retteýshi organ aǵymdaǵy shottarǵa esepteletin paiyz mólsherlemesin ózi shekteýge quqyly. Birqatar derekkózge súiensek, bul kórsetkish 1 paiyz deńgeiinde bekitilýi múmkin. Sarapshylar mundai jaǵdaida reforma tek «kórinis úshin jasalǵan» ózgeriske ainalatynyn atap ótedi.
Retteýshiniń negizgi ýáji - depozittik bazaǵa qaýip tónýi múmkin degen alańdaýshylyq. Iaǵni, aǵymdaǵy shotqa paiyz tólense, halyq depozit ashpaidy degen qaýip bar. Alaida sarapshylar bul ýájdi Qazaqstan naryǵyndaǵy shynaiy jaǵdaiǵa sáikes kelmeidi dep sanaidy.
Qazirgi tańda elimizde depozitterdiń basym bóligi - merzimsiz. Olardy kez kelgen ýaqytta paiyzyn joǵaltpai sheship alýǵa bolady. Bul turǵyda depozit pen aǵymdaǵy shottyń aiyrmashylyǵy is júzinde joiylǵan. Eki jaǵdaida da bank úshin ótimdilik táýekeli birdei.
Sarapshylardyń pikirinshe, aǵymdaǵy shottardaǵy paiyzdy 1 paiyzben shekteý bankterdiń táýekelin azaitpaidy, tek klient aqshasyn tegin paidalanýǵa múmkindik beredi.
Halyqaralyq tájiribe de mundai shekteýlerden bas tartqanyn kórsetedi. Máselen, AQSh-ta 1933 jyldan beri qoldanylǵan aǵymdaǵy shottarǵa paiyz tóleýge tyiym salatyn norma 2011 jyly tolyqtai joiyldy. Amerikalyq retteýshi bul tyiymnyń qarjy naryǵyna ziian keltirgenin moiyndaǵan.
Qazaqstanda, kerisinshe, sarapshylardyń aitýynsha, naryqtyq tetikterdiń ornyna ákimshilik shekteýler saqtalyp otyr. Nátijesinde bankter bazalyq mólsherleme 18 paiyz bolǵan jaǵdaida, shamamen 6 trillion teńge kólemindegi qarajatty 0–1 paiyzben tartyp, joǵary tabys tabýdy jalǵastyryp keledi.
Osynyń saldarynan bank sektory rekordtyq kórsetkishterge jetti. 2025 jyldyń 11 aiynda bankterdiń taza paidasy 2,5 trillion teńgeden asty, al kapitaldyń tabystylyǵy 30 paiyzǵa deiin jetken. Sarapshylar mundai deńgeidegi kiristilik álemdegi iri qarjy institýttarynyń eshqaisynda joq ekenin aitady.
Sonymen qatar, bul jaǵdai naryqtaǵy monopoliiany kúsheitip otyr. Aǵymdaǵy shottardaǵy negizgi qarajat aldyńǵy bes iri banktiń qolynda shoǵyrlanǵan. Al orta jáne shaǵyn bankter qymbat depozit tartýǵa májbúr bolyp, básekege tótep bere almai otyr.
Sarapshylardyń pikirinshe, usynylyp otyrǵan 1 paiyzdyq shekteý qarjy júiesine naqty paida ákelmeidi, kerisinshe iri bankterdiń artyqshylyǵyn arttyryp, naryqtaǵy teńsizdikti tereńdete túsedi.
Nátijesinde, iri bankter biýdjet uiymdary, shaǵyn biznes pen qarapaiym azamattardyń esebinen paidasyn arttyryp jatqanda, eldegi naqty halyq tabysy ótken jyly 2 paiyzǵa tómendegen.
