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Банкууд зээлийн хүүгээ бууруул, эсвэл гадаадын банк орж ирэхэд битгий саад бол!

Банкууд зээлийн хүүгээ бууруул, эсвэл гадаадын банк орж ирэхэд битгий саад бол!

БАНК, САНХҮҮГИЙН МӨЛЖЛӨГ ТЭВЧИХЭЭРГҮЙ ХЭМЖЭЭНД ХҮРЧЭЭ

1990 он гэхэд монголчууд бидэнд байсан, бидний дундын өмч болсон олон хэлбэрийн баялаг өнөө гэхэд цөөхөн гэр бүлийн өмч болж хувирчээ. Тэр их баялгийн нэг хэсэг нь улсын банкны мэдэлд байсан үндэсний болон гадаад валютын нөөц, алтны нөөц билээ. Одоо эргээд харахад дурдсан хоёр нөөц ч бараг л бүхлээрээ шахам луйврын замаар үрэгдэж шамшигджээ. 


Алт, дилерийн гэх хэрэг, удаахан нь гарсан хэд хэдэн банкны дампуурал, нэгдэж нийлсэн гэх хэрэг үнэндээ бол нэр бүхий хүмүүсийн санаатай зохион байгуулсан луйвар, булхай байжээ...


Бэлэн байсан цаасан мөнгө, алтыг луйвардан өмчлөөд тэд зогссонгүй шинэ цагийн (1990 оноос хойших) банк, санхүүгийн үйл ажиллагааг шууд л зэрлэг мөлжлөгөөр эхлүүлжээ. Дэлхийд байхгүй өндөр хүүтэй зээлийн дарамт Монголын эдийн засгийг бүхэл бүтэн 28 жилийн туршид нухчин тарчлаалаа. Жижиг, дунд үйлдвэрлэлд голчлон түшиглэж эдийн засгаа сэргээх, ажилгүйдлийг багасгах ганцхан зам л буйг харсаар, ойлгосоор байсан хэрнээ гартаа ямар ч бэлгүй хүн ардыг маань хичнээн ч хүч, овсгоо гаргаад төлж дийлэхээргүй өрөнд автуулж сөхөрч мөлхтөл нь, солиорч амиа хорлотол нь арилжааны банкууд, банк бус санхүүгийн байгууллагууд, ломбардууд, өдрөөр мөнгө хүүлэгчид мөлжиж чадлаа шүү дээ. Одоо болоо юм биш үү?! Муу муухай, сүнс сүүдэргүй зүйлд ч гэсэн хэмжээ гэж байдаг даа!

Бизнесийн төлөвшиж тогтсон өндөр соёлтой, үйлдвэрлэгчид болон худалдаачидтайгаа ойлголцож, хэн хэндээ ашигтайгаар харилцаж дадсан гадны банк орж ирлээ гэхэд тэд Монголын нөхцөлийг хараад л зээлийн хүүгээ жилийн 5-6 хувиас ер хэтрүүлж нэрлэхгүй л болов уу? Гэтэл энэ талаар огт өөр зүйл ярьж ард түмнийг хуурдаг, айлгадаг хүмүүс ялангуяа Төрийн ордонд олон байх юм. УИХ, засгийн газрын гишүүд дунд ч олон байна. Судлаад үзэхнээ тэд цөмөөрөө нөгөө 30-70 хувийн зээлийн хүүгээр тэрбумтан болсон хүмүүс байх ажээ. Тэдний нэрсийг удахгүй нийтэд зарланаа гэж амлаж буй улстөрийн намууд бас байх юм. Тэдний олонхи нь залуу хүмүүс юм байна. Та бүхэн нэрээ бод! Нэр хугарахаар яс хугар гэдэг дээ! Эсвээс та нар зээлийн хүүгээ буулга, эсвээс гадаадын банкууд орж ирэхэд саад битгий бол!

Хүмүүс ядуураад, өлсөөд, золбироод, нийгэм самуураад ирэхлээр өлсөж үхсэн ядуу хүний тооноос дээрэмдүүлж хохирсон баян хүний тоо давж гардаг гэж ярьцгаадаг. Ядаж л ийм учир, харьцааг бодож үзээч дээ!...


100 сая төгрөг 35 хувийн хүүтэйгээр зээлээд жилийн дотор гэр бүлээ тэжээгээд, ажилчдаа цалинжуулаад, бүх татвар хураамж төлөөд та нарт 135 сая төгрөг эргүүлж төлж чадахаар ашигтай ямар бизнес Монголд байна вэ? Энэ бол цэвэр аллага шүү дээ! Өр нимгэн бай л даа! Үйлийнхээ үрээр өөрөө өөртөө шуналаас үүдсэн их лай зовлонг битгий дууд л даа...


Банк, санхүүгийн байгууллагууд өнөөдөр өндөр хүүтэй зээлийн тусламжтайгаар жирийн иргэдийг өрөнд унагааж, хөдлөх ба үл хөдлөх хөрөнгийг нь хураан авч, завшиж байна. Энэ байдал цаашид удаан үргэлжлэх аваас иргэдэд өмчлүүлсэн газар, жижиг, дунд үйлдвэрийн газруудын барилга байгууламжууд, дээр нь нэмээд олон мянган орон сууц бүгд л энэ хэдэн арилжааны банкны эздийн өмч болохнээ. Хөдөөдөө бол мал сүргийн хагасаас хол илүү нь мөн л арилжааны банкуудын эздийн мэдэлд шилжих болно. Ингэж хотуудад ч тэр, мөн хөдөөд ч тэр үйлдвэрлэлийн хэрэгслээс бүрэн хагацсан гар хоосон пролетари анги буй болж улмаар Орос оронд 1917 онд гарсан хувьсгалтай тун ч төсөөтэй хувьсгал гарч үр дагавар нь ч мөн адилхан байх ирээдүй бэлтгэгдэх аюул хаяанд ирчихээд байна. 



Судлаач, профессор Д.Чулуунжав

unen.mn

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