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Зээлийн хүүг хүчээр бууруулах нь том эрсдэл

Зээлийн хүүг хүчээр бууруулах нь том эрсдэл

 


Зээлийн хүүг хүчээр бууруулах нь жирийн иргэдэд хохиролтой хэмээн салбарынхан тайлбарлаж буй. Гэхдээ зээлийн хүүг бууруулахгүй байр суурь илэрхийлээгүй гэдгийг энд онцлон тэмдэглэе. Мэдээж банкныхны хувьд зээлийн хүү буурах нь хөрөнгийн эргэлтийг нэмэгдүүлнэ хэмээн мэргэжилтнүүд ярьж байна.

 

Дашрамд онцлоход зээлийн хүүг хүчээр бууруулахын оронд эдийн засгийн суурь үзүүлэлтээ сайжруулах механизм хэрэглэх нь зүйтэй хэмээн шинжээч, судлаачид зөвлөж байлаа. Ер нь хуулиар далайлган зээлийн хүүг хязгаарлах нь эдийн засаг болоод санхүүгийн салбарт том эрсдэл дагуулна гэдгийг эдийн засагчид учирлаж байна.

 

Монголын банкны холбооны ерөнхийлөгч Ө.Ганзориг: БАНКУУД БҮРЭН ДЭМЖИЖ БАЙГАА


-Зээлийн хүү тогтоход манай улсын зах зээлийн нөхцөл байдал нөлөөлж байна. Үүнийг засч сайжруулах шаардлагатай. Банкуудын тухайд зээлийн хүүг бууруулах стратегийг бүрэн дэмжиж байгаа. Тиймээс бид холбоогоороо дамжуулан саналаа өгч, хууль боловсруулах ажлын хэсэгт орж ажилласан. Зээлийн хүүгийн дээд хязгаарыг тогтоодог хууль олон улсын жишигт бий хэмээн зарим улстөрч тайлбарлаж байгаа харагдсан. Харамсалтай нь мөнгө хүүлэлтийн эсрэг хуультай андуурсан байж болох юм.


Эдийн засагч Д.Дэлгэрсайхан: СУУРЬ ХӨРСӨӨ БҮРДҮҮЛЭХ НЬ ЧУХАЛ


-Зээлийн хүүд нөлөөлдөг олон хүчин зүйл бий. Тэр дундаа инфляцийн төвшин нэлээд жин дарна. Суурь хөрсөө бүрдүүлээгүй нөхцөлд зээлийн хүүг бууруулна гэдэг байж болохгүй. Тэр ч бүү хэл улс төрийн зорилгоор гаргаж буй ямар нэг шийдвэрийн цаана эрсдэл гарсаар байдгийг цаг хугацаа харуулж байна шүү дээ. Өнөөдөр зээлийн хүүг бууруулах тухай ярихаасаа өмнө энэ салбарт ямар нэр төрлийн бүтээгдэхүүнийг шинээр гаргах вэ гэдгээ тодорхойл. Гэхдээ хоосон ярихаас илүү бодит ажил болгож түүнийгээ ард түмний амьдралд хүртээмжтэй байх нөхцлийг бүрдүүлэх учиртай.

"ХАС” банкны гүйцэтгэх захирал М.Болд: МУЙХАР АРГААР ЗЭЭЛИЙН ХҮҮГ БУУРУУЛЖ БОЛОХГҮЙ


-Зээлийн хүү өндөр байхыг банкууд дэмждэггүй. Учир нь зээлийн хүү өндөр байх нь эрсдэлийг нэмдэг. Тиймээс гарч байгаа бүтээгдэхүүнийхээ үнийг бага байлгахыг хүсдэг. Гагцхүү төрөөс энэ бизнесийн харилцаанд хөндлөнгөөс хүчээр муйхар аргаар оролцож хүүг бууруулж болохгүй. ЖДҮХС-гийн зээлийн эх үүсвэр бол та бидний татварт төлсөн хүүгүй мөнгө юм. Үүнийг төрийн янз бүрийн сангаар дамжуулж зээлдүүлж байна. Банкны зээлийн эх үүсвэр бол иргэд, компаниудын 6-14 хувийн хүүтэй харилцах, хадгаламжийн мөнгө юм шүү дээ.

МУИС-ЭЗС-ийн дэд профессор Б.Алтанцэцэг: ЭДИЙН ЗАСГИЙН ӨНДӨР ЭРСДЭЛ ХҮҮНД НӨЛӨӨЛЖ БАЙНА


-Зээлийн хүү гэдэг маань зах зээлийн үнэ. Аливаа үнэ тухайн зах зээлийнхээ эрэлт нийлүүлэлтээр тодорхойлогддог. Хэрэв эдийн засаг тодорхой бус байдалтай, эрсдэл өндөртэй харагдвал зээлийн хүү өндөр байх болно. Магадгүй гадны улс оронтой харьцуулан бага төвшинд байлгахыг зорьж болно. Гэвч энэ нь өрөөсгөл талтай. Учир нь тухайн улсын хөрөнгө, санхүүгийн зах зээлийн орчин болоод зээлийн хүү тогтох нөхцөл нь өөр байгааг харьцуулах учиртай. Монгол Улсын хувьд хүүгийн төвшинг өндөр тогтооход нөлөөлж байгаа хүчин зүйл нь эдийн засгийн өндөр эрсдэл гэж болно.


Эдийн засагч С.Болд: ЧӨЛӨӨТ ЭДИЙН  ЗАСГААС ТАТГАЛЗАЖ БУЙТАЙ ИЖИЛ


-Ямар нэг захиргааны арга хэрэглэж зээлийн хүүг бууруулах гэсэн аливаа сэдэл, оролдлого зах зээлийн гажуудалд хүргэж, тогтолцоогоо нураана. Үүнийг олон улсын ялангуяа Латин Америк, Африкийн орнуудын өмнөх туршлагууд бэлхэн нотолдог. Зах зээлийн хүү, ханшийг төрөөс хуулиар хязгаарлах нь чөлөөт эдийн засгийн тогтолцооноос татгалзаж буйтай агаар нэг. Нөгөөтэйгүүр зах зээлийн системээ эвдье, санхүүгийн салбар, нийт эдийн засгаа тогтворгүй болгоё гэсэнтэй адил ойлголт юм.

Ч.Ганхуяг: ХҮЧ ХЭРЭГЛЭЛЭЭ ГЭЭД ЗЭЭЛИЙН ХҮҮ БУУРАХГҮЙ


-Зээлийн хүүг хэн нэгэн "буу” гэж хэлээд буурчихдаг ойлголт биш. Төсвийнхөө алдагдлыг бууруулж, инфляцийн төвшингөө зөв удирдах хэрэгтэй. Мөн эдийн засгийн өсөлтөө хангах, багтаамжийг нь нэмэгдүүлэх, өрсөлдөх чадварыг нь өсгөх зэрэг ажлуудаа нэн тэргүүнд хийх шаардлагатай. Мэдээж Монгол Улсын зээлжих зэрэглэлээс хамаарч дотооддоо хүүгээ буулгах боломж бий. Бид эдийн засгийн суурь үзүүлэлтээ сайжруулах ажлыг хийхгүй атлаа зээлийн хүүг хүчээр бууруулах хууль батлах тухай ярьж байгаа нь харамсалтай юм.
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