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Д.Батсайхан: 30 хувийн урьдчилгаа хэн хэндээ ашигтай
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Д.Батсайхан: Найман хувийн хүүтэй зээл 30 хувийн урьдчилгаатай байх нь хэн хэндээ ашигтай


Төрийн банкны Гүйцэтгэх захирал Д.БАТСАЙХАНТАЙ ярилцлаа.

-Хадгаламж банкийг Төрийн банкинд шилжүүлэх шийдвэр гараад хоёр сар гаруй болсон байна. Энэ хугацаанд шил­жүүлэх ажлыг бүрэн хийж дууссан уу?

-Хадгаламж банкийг Төрийн бан­кинд шил­жүүлэх тухай шийдвэр до­лдугаар сарын 22-нд гарсан. Энэ шийд­вэрийн дагуу шилжил­тийнхний үе шатыг нэг өдрийн дотор гүйцэтгэж, до­лдугаар сарын 23-ны өглөө 09.00 ца­гаас бүх салбар нэгж хэвийн ажил­лаж эхэлсэн байгаа. Өнөөдрийг хүр­тэл ямар нэгэн асуудал гараагүй бай­на. Дараагийн үе шат нь программ хан­гамж, бодлого, журмаа нэгтгэх үе шат байсан. Энэ шатны ажил есдү­гээр сарын 6-ны өдөр дууссан. Ингэс­нээр Хадгаламж банкийг Төрийн бан­кинд шилжүүлэх үйл ажиллагаа дуус­лаа. Нэгдсэн программ бодлогод шилж­сэнээр нэг талдаа харилцагчдад да­вуу тал олон бий болсон. Нэг бан­кинд байсан ч нөгөө банкинд байхгүй байсан бүтээгдэхүүн үйлчилгээгээ нөхөж байгаа учраас давуу байдлыг үүсгэж байгаа.

-Төрийн, хувийн гэсэн хоёр өөр статустай банк хоорондоо нэгд­лээ. Өмнө нь ийм төрлийн бан­к хоорондоо нэгдэж байсан. Гэхдээ Хадгаламж банкийг маш түргэн хугацаанд нэгтгэлээ шүү дээ?

-Өмнө банкуудын нэгдэх процесс болж байсан уу гэвэл байсан. Гэхдээ эхний шатанд дор хаяж долоо хоног үйлчилгээг нь зогсоож шилжилтийг хийдэг байсан. Хоёр дахь шилжил­тийг гурван сар гаруй хугацаанд хийдэг байлаа. Харин энэ удаад эхний шил­жил­тийг хийхэд үйл ажиллагааг нь нэг ч хоног саатуулаагүй, программ хан­гам­жийн асуудлыг сар гаруйн хуга­цаанд шилжүүлж гүйцэтгэлээ. Энэ нь тухайн банкны  харилцагчдад итгэл найдвар төрүүлсэн. Өөрөөр хэлбэл, хувь хүнд итгэх үү, төрд итгэх үү гэдэг сонголт байсан. Төрийн банкинд шилжсэн учраас төрдөө итгэх итгэл нь илүү болж байна. Дэлхий нийтэд Төр хамгийн найдвартай түнш гэж үздэг. Засгийн газрын бонд хамгийн сайн борлогддог өгөөжтэй байдаг. Үүнтэй адил Төрийн банкны хувь нийлүүлэгч нь Засгийн газар учраас илүү баталгаатай гэдэг утгаараа ха­рилцагчдад давуу талтай. Нөгөө та­лаас харилцагчид илүү шинэ бүтээг­дэхүүн үйлчил­гээг хүртэх боломжтой. Хуучин Хадгаламж банкны харилцаг­чид “Most money” үйлчилгээг тэр бүр мэддэггүй байсан. Энэхүү үйлчилгээг Төрийн банктай нэгтгэснээр харил­цагчид ашиглах боломж бүрдэж байх жишээтэй. Хадгаламж банкны зээл олголтын байдал нэлээд хязгаар­лагд­мал явж байсан бол өнөөдөр зогсолтгүй, хэвийн байгаа нь эр­гээд харил­цагчдын итгэлийг сэргээж байна.

-Алдагдалтай ажиллаж байсан банкийг төрд шилжүүлснээр үүссэн ачааллыг төр үүрэх нь гэж зарим хүн ярьж байсан. Тухайн үед Хадгаламж банкийг Төрийн банктай нэгтгэхэд өө­рийн хөрөнгийн төвшин хү­рэлцэхгүй, ойролцоогоор 100 гаруй тэрбумын сан­хүүжилт хэрэгтэй. Түүнийг Мон­голбанк, Засгийн газраас шийд­вэрлэж өгнө гэж байсан. Энэ асуу­дал юу болов?

-Өмнөх түүхийг харахад тө­рөөс дандаа санхүүжилт авч асуудлыг ший­дэж байсан. Энэ удаагийн шилжилтийг хийхэд төрөөс ганц ч төгрөг гаргуу­лаа­гүй. Өөрөөр хэлбэл, Засгийн газ­раас Төрийн банкинд зориулж мөнгө өгөөгүй гэсэн үг. Банк нэгтгэхэд гаргаж байгаа мөнгөний үр дүн гэж байдаг. Хадгаламжийн банк шилжиж ирэхдээ 162 тэрбум төгрөгийн муу зээлтэй бай­сан. Энэ зээлийг Төрийн банк аваа­гүй Монгол­бан­кинд үлдээсэн. 120 тэр­бум төгрөгийн балансын доголдол үүс­сэн байсан. Үүнийг  Монголбанк­наас гаргаж өгч байгаа. Хадгаламж банкнаас Төрийн банкинд ямар нэгэн өр авлага, муу зээл шилжиж ирээгүй гэсэн үг.

-Хадгаламж банкны тухайн үед үүссэн нөхцөл байдлаас болж харилцагчид мөнгөн хуримт­лалаа татаж байна гэсэн мэдээ­лэл гарсан. Ер нь харилцагчид хэр шилжилт хөдөлгөөн хий­сэн  бэ?

-Ямар ч харилцагч шилжээгүй гэж хэлнэ. Долдугаар сарын 22-ноос өмнөх нөхцөл бай­далд бага зэргийн хүндрэл гарсан. Өөрөөр хэл­бэл, хоёр банкийг нэгтгэхээс өмнө буюу Хад­галамж банкны үйл ажилла­гаа эргэлзээтэй байсан цаг үед харил­цагчид мөнгөө татаж эхэлсэн юм бай­на лээ. Харин Төрийн банкинд шилж­сэний дараагаар шилжилт хөдөлгөөн гараагүй. Өмнө нь мөнгөө татсан хүмүүс буцааж мөнгөө байр­шуулс­наар хадгаламжийн хэмжээ өдөр ирэх тусам өсч байна.

-Төрийн банкийг байгуулаад нэлээд хэдэн жил боллоо. Ер нь хэр ашигтай ажиллаж байгаа вэ?

-Төрийн банк төрд хоёр хэлбэрээр орлого оруулдаг. Нэгд, тус банкинд ажиллаж байгаа ажиллагсдын цалин­гаас төлж байгаа татвар, нийгмийн даатгал. Мөн банкны ашгийн татвар. Энэ мөнгийг жил болгон төрд оруулж байна. Хоёрт, Төрийн банкны жилийн ашгийн тодорхой хувийг ногдол ашиг хэлбэрээр төрд төвлөрүүл­дэг. Сүү­лийн 3-4 жилийн хугацаанд ногдол ашиг хэлбэрээр тодорхой хөрөнгийг төвлөрүүлж ирсэн. Өнөөдрийг хүртэл Төрийн банк ашигтай ажиллаж ирсэн. Хадгаламжийн банкийг шил­жүүлж авсантай холбоотойгоор долоо, найм­дугаар сард ашгийн үзүүлэлт муу гарсан. Харин есдүгээр сард эргээд ашигтай ажиллаж эхэлсэн.

-Хадгаламж банктай үүссэн нөхцөл байдлаас болж иргэд, хадгаламж эзэм­шигчдийн бан­кинд итгэх итгэл ерөн­хийдөө суларч байна. Ер нь манай улсын банкны системийн тог­толцоо хэр эрүүл байна вэ. Хөгжлийн хувьд ямар төвшинд байгаа юм бэ?

-Монголын арилжааны банкууд дэлхийн зах зээлд хүлээн зөвшөөрөгд­сөн банкны хоёр шатлалт систем рүү ороод 20 жил болсон. Тэгэхээр сис­темийн хувьд асуудал байхгүй. Бан­куудын бүтээгдэхүүн үйлчилгээг дэл­хийн төвшинд хүрсэн үү гэвэл хүрсэн. Улаанбаатар хотод Азийн банкны холбооны IX чуулган боллоо. Энэ үеэр Монголын арилжааны банкуудын үйл ажиллагаа аль хэдийнэ Азийн банкуу­дын төвшинд хүрсэн гэдгийг онцолж байсан. Тэгэхээр банкуудын хөгжил дэлхийн төвшинд хүрч байна гэж ойлгож болно.

-Арилжааны 14 банкны эхний 4-5-д нь л хүн амын нийт массын дийлэнх нь үйлчлүүлдэг. Энэ нь өөрөө эрсдэлтэй биш үү?

-Би үүнийг эрсдэл гэж харахгүй байна. Банкны системийг онол, прак­ти­кийн талаас нь харахад хэд хэдэн бү­лэглэлд хуваасан байдаг. Өмчийн хэлбэрийн хувьд төр, хувийн, төр хувийн өмчийн хосолсон эсвэл олон улсын хөрөнгө оруулалттай гэж ан­гилж болдог. Үйлчил­гээний хувьд иргэ­дийн, корпорацын, компанид тулгуур­ласан зэрэг төрөлжсөн чиглэлээр нь ангилдаг. Энэ ангиллынхаа дагуу л яваа. Томоохон дөрвөн банкны хоёр нь иргэдэд чиглэсэн. Иргэдийн банкны үйлчилгээ үзүүлж байгаа эдгээр банк улс орны нийт иргэдэд чиглэсэн үйл ажиллагаа үзүүлдэг учраас зах зээлд эзлэх хувь өндөр байдаг.  Хоёр томоохон банк корпора­цын буюу томоохон аж ахуй нэгжүү­дэд үйлчилдэг гэсэн үг. Үлдсэн жижиг банкууд зах зээл рүү чиглэсэн зорил­тот бүлгийг хамар­даг. Тиймээс эрс­дэл бага гэж үзэж байгаа юм.

-Хадгаламж банкинд гаднын ямар нэгэн нөлөө орж үйл ажиллагаа нь до­голдоход хүрлээ гэж үзэж байсан. Ер нь манай том банкуудын үйл ажил­лагаанд гаднын ялангуяа улс төрийн нөлөөлөл хэр бай­на гэж үздэг вэ?

-Монголын арилжааны банкууд хоёр зүйлээс ангид байна гэж үздэг. Нэг нь шударга бус өрсөлдөөнөөс ан­гид байж шударгаар өрсөлдөж чаддаг. Нөгөө нь улс төрийн оролцоо бага. Тиймээс  эрүүл оршин тогтнож үйл ажиллагаа нь хэвийн явж байгаа юм. Зарим үүссэн нөхцөл байдлыг улстө­рийн оролцоо гэж андуурдаг. Тухайн арилжааны банк дүрэм журмаа бие­лүү­лээгүйгээс эрсдэл бий болдог. Нө­гөөтэйгүүр хувь нийлүүлэгчдээс үүс­сэн эрсдэл байгаа. Өнгөрсөн түүх буюу Хадгаламж банкинд болсон үйл яв­дал нь хувь нийлүүлэгчийн эрсдэ­лээс болсон. Ганц хувь нийлүүлэгчтэй, түүнээсээ хамаарсан хамаарал нь өндөр байсан. Түүнийг дагаж банк дүрэм журмаа биелүүлэлгүй алдаа гаргаснаас болсон.

-Тэгэхээр нэг хувь нийлүү­лэгчтэй байс­ны эрсдэл гэсэн үг үү?

-Нэг талаараа тийм. Гэхдээ нэг хувь нийлүүлэгчтэй байх гэхээсээ илүү хувь нийлүүлэгч нь хэр их тэв­чээр гаргаж чадах вэ гэдгээс хамаар­на. Ер нь банкны салбарт хөрөнгө оруулалт хийнэ гэдэг нь маш тэвчээр шаардсан ажил байдаг.  Өнөөдөр ма­най зах зээл дээрх банкны ашгийн төвшин харьцангуй бага. Банк жилийн 6-8 хувийн ашгийн төвшинтэй байхад худал­дааны салбар 30 хувийн ашгийн төв­шинтэй байдаг. Тэгэхээр тухайн хү­ний  хувьд 30 хувийн ашигт хөрөнгө оруу­лалт хийх үү, эсвэл 6-8 хувийн ашиг руу хөрөнгө оруулалт хийх үү гэдэг асуудал нь өөрөө тэвчээр шалгана гэсэн үг. Банк урт хуга­цаандаа эрүүл ажиллавал өндөр үр ашигтай байдаг.

-Төрийн банкийг хувьчилна, эс хувь­чилна гэж их ярьдаг. Ер нь хувьчлах боломж хэр байна вэ?

-Хэн юу шийдэх вэ гэдэг эрх мэдлийн асуудал байдаг. Хувьч­лах, эс хувьчлах талаар бид эсвэл дурын нэг компанийн ярьдаг сэдэв биш шүү дээ. Үүнийг өмчийн эзэн л шийднэ. Төрийн банкны өмчийн эзэн нь Засгийн газар. Засгийн газар хувьчлах талаар дуугараа­гүй байна.

-Найман хувийн хүүтэй ипоте­кийн зээ­лийн урьдчилгаа төл­бө­рийг арилжааны зарим банк нэмэгдүүлж байгаа гэсэн мэдээ­лэл гарч байна. Төрийн банк­ны найман хувийн зээлийн явц хэр байна вэ. Урьдчилгаа төл­бө­рийг нэмэх үү?

-Бусад банкны хувьд сайн мэдэх­гүй байна. Манай банкны зүгээс ямар нэгэн журмын өөрчлөлт хийгээгүй. Урьдчилгаа төлбөр 30 хувь хэвээрээ байна. Цаашид урьдчилгаа төлбөрийг нэмж өөрчлөлт оруулах бодол алга. Угаасаа зургаан хувийн хүүтэй зээ­лээс найман хувийн хүүтэй зээл рүү шилжих процедурт манай банк үндсэн оролцогч хэвээр байсан. Иргэдийн хувьд найман хувийн зээл чухал  ач холбогдолтой болсныг харж бай­на. Тиймээс хэвийн үргэлж­лүү­лэхийн тулд ямар нэгэн өөрчлөлт хийхгүй.

-Тодорхой хөнгөлөлт буюу зорилтот бүлгийг тодорхойлж урьдчилгаа төл­бөрийг багас­гана гэж ярьж байгаа. Энэ хэр зөв юм бэ. Боломжтой юу?

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