O\u02bbzbekiston Markaziy banki bank boshqaruv kengashining rasmiy qarori asosida to\u02bbliq islom banki operatsiyalarini amalga oshirishga ruxsat beruvchi mamlakatdagi birinchi litsenziyani aksiyadorlik jamiyati Open Bankka berdi.<\/p>\n
Litsenziya O\u02bbzbekistonning \u00abBanklar va bank faoliyati to\u02bbg\u02bbrisida\u00bbgi qonunining 5-1-moddasiga asoslanib, litsenziyalangan muassasa amalga oshirishi mumkin bo\u02bblgan islom moliyaviy operatsiyalarini belgilab beradi. Ushbu operatsiyalar quyidagilarni o\u02bbz ichiga oladi: foyda taqsimlash asosida moliyalashtirish va investitsion depozitlarni qabul qilish; vositachilik asosida kreditlash va depozit jalb qilish; murabaha moliyalashtirish; tovarlarni oldindan to\u02bblov asosida moliyalashtirish; qo\u02bbshma korxona moliyalashtirish va yuridik shaxslar kapitalida ishtirok etish; hamda sotib olish huquqi bilan birga keluvchi islom lizingi \u2014 ijara.<\/p>\n
Sanab o'tilgan moliyaviy vositalardan tashqari, Markaziy bank litsenziyalangan islom banklari xalqaro miqyosda tan olingan bank amaliyotiga mos keladigan boshqa islom moliyaviy operatsiyalarini ham amalga oshirishi mumkinligini tasdiqladi \u2014 bunda ushbu operatsiyalar O'zbekiston qonunchiligiga zid bo'lmasligi shart. Mazkur qoida Open Bankka har bir yangi moliyaviy vosit uchun alohida qonunchilik aktini talab etmasdan, bozor rivojlanib borishi bilan qo'shimcha shariat talablariga mos mahsulotlarni joriy etish imkoniyatini beradi.<\/p>\n
Markaziy bank ushbu e'londan foydalanib, aholiga xizmatlardan foydalanishdan oldin istalgan bankning litsenziya holati regulyatorning rasmiy veb-saytida tekshirib ko'rilishi zarurligini eslatdi \u2014 bu standart iste'molchilarni himoya qilish xabardornomasidur, biroq mamlakat uchun butunlay yangi litsenziya toifasi ekanligini hisobga olsak, uning ahamiyati yanada ortadi.<\/p>\n
Litsenziyaning berilishi O'zbekiston moliya sektorida tarkibiy o'zgarishni anglatadi: mamlakat shu paytgacha faqat an'anaviy bank qoidalari asosida faoliyat yuritib kelgan. Islom moliyasi foizni taqiqlaydi va daromadni aktivlar bilan ta'minlangan bitimlar, foyda taqsimlash hamda ijara shartnomalari orqali shakllantiradi \u2014 bu model tarixan jamg'armalarini rasmiy bank tizimidan tashqarida saqlagan dindor musulmon mijozlar uchun jozibali hisoblanadi. O'zbekistonda aholi asosan musulmonlardan iborat bo'lib, regulyatorlar bir necha yildan beri islom moliyasini litsenziyalangan tizimga kiritish moliyaviy qamrovni kengaytirishi mumkinligini bildirmoqda. Open Bank \u2014 hech bo'lmaganda yangi litsenziyalar berilmaguncha \u2014 ushbu mahsulotlarni taklif etishga qonuniy vakolatga ega yagona muassasaga aylanadi.<\/p>\n","protected":false},"excerpt":{"rendered":"
Markaziy bank O\u02bbzbekistonda birinchi islom banki litsenziyasini Open Bankka berdi va yangi huquqiy doira asosida foyda taqsimlash depozitlari, murabaha moliyalashtirish, ijara lizing hamda boshqa shariat talablariga mos vositalarni amalga oshirishga ruxsat etdi.<\/p>\n","protected":false},"author":7,"featured_media":6463,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[43],"tags":[577,579,578,356,580,353],"ucw_region":[],"ucw_sector":[],"ucw_issue":[],"ucw_institution":[],"ucw_case_status":[],"ehb_region":[],"uov_series":[],"class_list":["post-6462","post","type-post","status-publish","format-standard","has-post-thumbnail","category-governance-reform","tag-banking-licence","tag-islamic-banking","tag-financial-inclusion","tag-financial-regulation","tag-open-bank","tag-central-bank-of-uzbekistan"],"_links":{"self":[{"href":"https:\/\/uzbekistanobserver.com\/uz\/wp-json\/wp\/v2\/posts\/6462","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/uzbekistanobserver.com\/uz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/uzbekistanobserver.com\/uz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/uzbekistanobserver.com\/uz\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/uzbekistanobserver.com\/uz\/wp-json\/wp\/v2\/comments?post=6462"}],"version-history":[{"count":0,"href":"https:\/\/uzbekistanobserver.com\/uz\/wp-json\/wp\/v2\/posts\/6462\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/uzbekistanobserver.com\/uz\/wp-json\/wp\/v2\/media\/6463"}],"wp:attachment":[{"href":"https:\/\/uzbekistanobserver.com\/uz\/wp-json\/wp\/v2\/media?parent=6462"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/uzbekistanobserver.com\/uz\/wp-json\/wp\/v2\/categories?post=6462"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/uzbekistanobserver.com\/uz\/wp-json\/wp\/v2\/tags?post=6462"},{"taxonomy":"ucw_region","embeddable":true,"href":"https:\/\/uzbekistanobserver.com\/uz\/wp-json\/wp\/v2\/ucw_region?post=6462"},{"taxonomy":"ucw_sector","embeddable":true,"href":"https:\/\/uzbekistanobserver.com\/uz\/wp-json\/wp\/v2\/ucw_sector?post=6462"},{"taxonomy":"ucw_issue","embeddable":true,"href":"https:\/\/uzbekistanobserver.com\/uz\/wp-json\/wp\/v2\/ucw_issue?post=6462"},{"taxonomy":"ucw_institution","embeddable":true,"href":"https:\/\/uzbekistanobserver.com\/uz\/wp-json\/wp\/v2\/ucw_institution?post=6462"},{"taxonomy":"ucw_case_status","embeddable":true,"href":"https:\/\/uzbekistanobserver.com\/uz\/wp-json\/wp\/v2\/ucw_case_status?post=6462"},{"taxonomy":"ehb_region","embeddable":true,"href":"https:\/\/uzbekistanobserver.com\/uz\/wp-json\/wp\/v2\/ehb_region?post=6462"},{"taxonomy":"uov_series","embeddable":true,"href":"https:\/\/uzbekistanobserver.com\/uz\/wp-json\/wp\/v2\/uov_series?post=6462"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}