Berkarar d\u00f6wletimizi\u0148 T\u00e4ze e\u00fd\u00fdamyny\u0148 Galkyny\u015fy d\u00f6wr\u00fcnde milli ykdysady\u00fdetimizi d\u00fcn\u00fd\u00e4ni\u0148 \u00f6\u0148debaryjy d\u00f6wletlerini\u0148 derejesine \u00fdetirmek, ykdysady\u00fdetimizi\u0148 \u00e4hli pudaklaryna d\u00fcn\u00fd\u00e4 \u00fdurtlaryny\u0148 ykdysady \u00f6s\u00fc\u015finde \u00f6z o\u0148yn netijelerini g\u00f6rkezen \u00f6\u0148debaryjy tilsimatlary, usullary orna\u015fdyrmak hormatly Prezidentimizi\u0148 ykdysady sy\u00fdasatyny\u0148 esasy ugry bolup dur\u00fdar.<\/p>\n
Bu barada \u201cT\u00fcrkmenistany\u0148 Ykdysady, mali\u00fde we bank ulgamlaryny \u00f6sd\u00fcrmegi\u0148 2019\u20132025-nji \u00fdyllar \u00fc\u00e7in Maksatnamasynda\u201d hem a\u00fdratyn nygtal\u00fdar. Maksatnama la\u00fdyklykda karz edaralaryny\u0148 ygtybarlylygyny we durnuklylygyny \u00fdokarlandyrmak, banklary\u0148 seri\u015fdeler bin\u00fdadyny artdyrmak, banklarda elektron resminama dolany\u015fyk ulgamyny k\u00e4mille\u015fdirmek \u00fc\u00e7in zerur bolan tehniki we programma \u00fcpj\u00fcn\u00e7iliklerini orna\u015fdyrmak bo\u00fdun\u00e7a m\u00f6h\u00fcm wezipeler durmu\u015fa ge\u00e7iril\u00fd\u00e4r. Maksatnamada bellenili\u015fi \u00fdaly, degi\u015fli d\u00f6w\u00fcrlerde mali\u00fde hyzmatlaryny menzilara \u00fderine \u00fdetirmegi\u0148 d\u00fcrli usullaryny \u00f6sd\u00fcrmek ugrunda degi\u015fli i\u015fleri\u0148 ge\u00e7irilmegi, \u015fol sanda \u00f6\u00fdj\u00fckli telefonlary\u0148 \u00fcsti bilen bu hyzmatlary\u0148 amala a\u015fyrylmagy, t\u00e4ze tehnologi\u00fdalary, \u00fdagny \u00f6\u00fdj\u00fckli telefon aragatna\u015fygyny, t\u00f6leg nokatlaryny, \u015fe\u00fdle hem ilkiba\u015fda az m\u00f6\u00e7berli t\u00f6leglerden ba\u015flamak bilen, internet ulgamyny ulanmak esasynda elektron t\u00f6leg we elektron pullary ulanmak ulgamyny \u00f6sd\u00fcrilmegi, bank kartlary arkaly h\u00f6d\u00fcrlen\u00fd\u00e4n hyzmatlary\u0148 hilini \u00fdokarlandyrmak bo\u00fdun\u00e7a degi\u015fli i\u015fler dowam etdiril\u00fd\u00e4r. Mundan ba\u015fga-da banklary\u0148 hereket ed\u00fd\u00e4n tehnologi\u00fdalaryny we programma \u00fcpj\u00fcn\u00e7iliklerini t\u00e4zelemek i\u015flerine gi\u0148 gerim berlip, \u015faham\u00e7alarara ge\u00e7iri\u015f ulgamyny\u0148 hilini we tizligini \u00fdokarlandyrmak \u00fdaly i\u015fleri durmu\u015fa ge\u00e7irmeklik maksat edil\u00fd\u00e4r. Bu ugurda \u00fdurdumyzy\u0148 karz edaralary tarapyndan hyzmatlar bazarynda halkara karz institutlaryny\u0148 tejribesini \u00f6wrenilmegi maksadala\u00fdyk hasaplanyl\u00fdar.<\/p>\n
\u00ddurdumyzy\u0148 \u00f6s\u00fc\u015fini\u0148 h\u00e4zirki tapgyrynda d\u00f6wrebap tehnologi\u00fdalary we innowasi\u00fdalary ulan\u00fdan \u00f6n\u00fcm\u00e7ilikleri d\u00f6retmek, dolandyry\u015fy\u0148 has k\u00e4mil usullaryny ulanmak a\u00fdratyn \u00e4hmi\u00fdete e\u00fde bolup dur\u00fdar. Milli bank ulgamynda amala a\u015fyryl\u00fdan o\u0148yn \u00f6zgertmeleri\u0148 netijesinde karz edaralaryny\u0148 kanun\u00e7ylyk-hukuk bin\u00fdady k\u00e4mille\u015fdiril\u00fd\u00e4r, banklara i\u0148 k\u00e4mil tehnologi\u00fdalar orna\u015fdyrlyp, olary\u0148 maddy-enjamla\u00fdyn bin\u00fdady d\u00fc\u00fdpli t\u00e4zelen\u00fd\u00e4r. Milli ykdysady\u00fdetimizi maksatnamala\u00fdyn \u00f6sd\u00fcrmeklige g\u00f6n\u00fckdirilen wezipeleri \u00fderine \u00fdetirmek \u00fc\u00e7in bank i\u015fje\u0148ligi h\u00e4zirki d\u00f6wr\u00fc\u0148 talaplaryna la\u00fdyklykda gurnal\u00fdar, hususan-da, m\u00fc\u015fderilere h\u00f6d\u00fcrlen\u00fd\u00e4n bank \u00f6n\u00fcmleri diwersifikasi\u00fdala\u015fdyrlyp, d\u00fcn\u00fd\u00e4 banklaryny\u0148 i\u015f tejribelerine la\u00fdyklykda t\u00e4ze hyzmatlary yzygiderli bank i\u015fje\u0148ligine girizmek, m\u00fc\u015fderiler bilen i\u015flemegi\u0148 t\u00e4ze usullaryny \u00fdola go\u00fdmak bo\u00fdun\u00e7a i\u015fler \u00fcst\u00fcnlikli dowam etdiril\u00fd\u00e4r.<\/p>\n
\u00ddurdumyzy\u0148 karz edaralary tarapyndan iri maglumat ge\u00e7iri\u015f ulgamyna e\u00fde bolmak bilen \u00fdurdumyzda pul dolany\u015fygyny\u0148 netijeliligini \u00fdokarlandyrmak, bank kartlary bo\u00fdun\u00e7a milli we halkara t\u00f6leg ulgamyny\u0148 gerimini gi\u0148eltmek hem-de halkara tejribesini\u0148 \u00f6\u0148debaryjy tilsimatlaryna esaslan\u00fdan nagt d\u00e4l hasapla\u015fyklary has-da \u00fda\u00fdba\u0148landyrmak bo\u00fdun\u00e7a gi\u0148 gerimli i\u015fler amala a\u015fyryl\u00fdar. Bu i\u015fleri\u0148 netjesinde \u00fdurdumyzy\u0148 prosesing merkezinde hasaba alnan bank kartlaryny\u0148, orna\u015fdyrylan terminallary\u0148, bankomatlary\u0148 sany hem-de \u00abInternet-bank\u00bb, \u00abMobile-bank\u00bb ulgamlaryny\u0148 \u00fcsti bilen amal edilen nagt d\u00e4l hasapla\u015fyklary\u0148 m\u00f6\u00e7beri \u00fdylsa\u00fdyn art\u00fdar. H\u00e4zirki wagtda \u00abInternet-bank\u00bb hem-de \u00abMobil-bank\u00bb ulgamlaryny\u0148 \u00fcsti bilen, ykjam aragatna\u015fyk hyzmatlar \u00fc\u00e7in t\u00f6legi, karzy we onu\u0148 g\u00f6terimlerini t\u00f6lemek hem-de kart hasabyny\u0148 hereketini g\u00f6rmek \u00fdaly hyzmatlar h\u00f6d\u00fcrlenil\u00fd\u00e4r. \u015ee\u00fdle hem yzygiderli ga\u00fdtalan\u00fdan t\u00f6legleri awtomatla\u015fdyrmak \u00fc\u00e7in \u00fd\u00f6rite m\u00fcmkin\u00e7ilik d\u00f6redilen. Her bir ra\u00fdat degi\u015fli bank edarasyna baryp \u015fahsy bank hasabyny \u00abInternet-bank\u00bb hem-de \u00abMobil-bank\u00bb hyzmatlaryna birikdirmek arkaly bu hyzmatlary\u0148 amatlyklaryndan pe\u00fddalanyp bil\u00fd\u00e4r.<\/p>\n
Milli bank ulgamyndaky durmu\u015fa ge\u00e7iril\u00fd\u00e4n iri m\u00f6\u00e7berli \u00e7\u00e4releri\u0148 \u00e7\u00e4klerinde t\u00f6leg ulgamynda nagt d\u00e4l hasapla\u015fyklary\u0148 gerimini gi\u0148eltmek bo\u00fdun\u00e7a yzygiderli i\u015fler alnyp baryl\u00fdar. H\u00e4zirki wagtda nagt d\u00e4l hasapla\u015fyk ulgamynda innowasion tehnologi\u00fdalary orna\u015fdyrmak, bankomatlary\u0148, t\u00f6leg terminallary\u0148 sanyny artdyrmak esasynda milli ykdysady\u00fdetimizde pul seri\u015fdeleri\u0148 dolany\u015fygyny \u00e7altlandyrmak, nagt d\u00e4l hasapla\u015fyklary has-da \u00f6sd\u00fcrmek maksat edinil\u00fd\u00e4r. T\u00fcrkmenistanda kartly t\u00f6leg ulgamyny \u00f6zgertmekde d\u00fc\u00fdpli i\u015fler durmu\u015fa ge\u00e7iril\u00fd\u00e4r, bu ulgamda t\u00e4ze hyzmatlardan pe\u00fddalanmaga \u00e4hli m\u00fcmkin\u00e7ilikler d\u00f6redil\u00fd\u00e4. Ykdysady\u00fdeti\u0148 m\u00f6h\u00fcm b\u00f6legi bolup \u00e7yky\u015f ed\u00fd\u00e4n milli t\u00f6leg ulgamyny\u0148 halkara t\u00f6leg ulgamlaryna i\u015fje\u0148 go\u015fuly\u015fmagy netijesinde t\u00f6leg amallaryny\u0148 sany d\u00fc\u00fdpli art\u00fdar. \u00ddurdumyzda sanly tehnologi\u00fdalary\u0148 \u00f6smegi, pul dolany\u015fygynda seri\u015fdelerini\u0148 a\u00fdlany\u015f tizligini\u0148 \u00fdokarlanmagy hem-de hasapla\u015fyklary ge\u00e7irmekde \u00e7ykdajylary\u0148 azalmagy t\u00f6legleri\u0148 we hasapla\u015fyklary\u0148 usullary\u0148 k\u00e4mille\u015fdirilmegine m\u00fcmkin\u00e7ilik ber\u00fd\u00e4r.<\/p>\n
Bazar gatna\u015fyklarynda karz edaralary tarapyndan m\u00fc\u015fderilere h\u00f6d\u00fcrlenil\u00fd\u00e4n nagt d\u00e4l hasapla\u015fyklar bo\u00fdun\u00e7a bank hyzmatlaryny\u0148 \u00e4hmi\u00fdeti uludyr. \u00ddurdumyzda bank kartlaryny ulanyjylary\u0148 sanyny\u0148 artmagy we bu kartlar arkaly nagt d\u00e4l hasapla\u015fyklary\u0148 d\u00fc\u00fdpli \u00f6smegi nagt d\u00e4l hasapla\u015fyklar ulgamynda o\u0148yn \u00f6zgertmeleri\u0148 alnyp baryl\u00fdandygyny subut ed\u00fd\u00e4r. Bank hyzmatlaryny\u0148 has k\u00e4mil g\u00f6rn\u00fc\u015flerini\u0148 girizilmegi, bu ugurda da\u015fary \u00fdurt tejribesini\u0148 d\u00fc\u00fdpli \u00f6wrenilmegi, \u015fe\u00fdle-de onu\u0148 milli ykdysady\u00fdetimizi\u0148 a\u00fdratynlyklaryny\u0148 g\u00f6z \u00f6\u0148\u00fcnde tutulup \u00fdurdumyzy\u0148 bank ulgamyna orna\u015fdyrylmagy bank i\u015fini\u0148 d\u00f6wr\u00fc\u0148 talabyna la\u00fdyklykda k\u00e4mille\u015fdirilmegine, hyzmatlary\u0148 d\u00f6wrebap g\u00f6rn\u00fc\u015flerini\u0148 d\u00f6remegine, bank ulgamyny\u0148 m\u00fc\u015fderilerini\u0148 sanyny\u0148 yzygiderli artmagyna we milli banklary\u0148 b\u00e4sde\u015flige ukyplylygyny\u0148 \u00fdokarlanmagyna \u00fdardam ber\u00fd\u00e4r.<\/p>\n
\u00ddurdumyzy\u0148 karz edaralary iri maglumat sakla\u00fdan we ge\u00e7ir\u00fd\u00e4n ulgamyna e\u00fde bolup, \u00f6zlerini\u0148 i\u015f tejribesine t\u00e4ze g\u00f6rn\u00fc\u015fli hyzmatlary orna\u015fdyr\u00fdarlar hem-de olary m\u00fc\u015fderilere h\u00f6d\u00fcrle\u00fd\u00e4rler. Mu\u0148a mysal edip, \u00fdurdumyzy\u0148 islendik \u00fderinden bankomatlary\u0148, terminallary\u0148, \u00abInternet-bank\u00bb, \u00abMobil-bank\u00bb we \u00abElektron-s\u00f6wda\u00bb ulgamlaryny\u0148 \u00fcsti bilen nagt d\u00e4l g\u00f6rn\u00fc\u015finde hasapla\u015fyklary g\u00f6ni (\u00abonline\u00bb) tertipde amala a\u015fyrmagy\u0148 \u00fdola go\u00fdlandygyny g\u00f6rkezmek bolar. Mundan ba\u015fga-ada \u00abMa\u015fgala\u00bb bank karty \u00abAltyn Asyr\u00bb bank karty hasabyna birikdirilmek bilen, m\u00fc\u015fderini\u0148 islegine baglylykda ma\u015fgalany\u0148 her bir agzasyna \u015fol sanda, \u00fdedi \u00fda\u015fdan uly bolan \u00e7agalara a\u00e7ylyp bilner. M\u00fc\u015fderini\u0148 arzasy \u00fda-da \u00abInternet-bank\u00bb hyzmaty arkaly ma\u015fgalany\u0148 her bir agzasy \u00fc\u00e7in a\u00fdratynlykda hepdelik sarp ediljek pul mukdaryny\u0148 m\u00f6\u00e7berini kesgitlem\u00e4ge m\u00fcmkin\u00e7ilik d\u00f6redilen. \u00abMa\u015fgala\u00bb bank karty \u00e7agalara we talyplara gerekli okuw esbaplaryny we be\u00fdleki harytlary satyn almaga, s\u00f6wda we dyn\u00e7 aly\u015f nokatlarynda hasapla\u015fyklary ge\u00e7m\u00e4ge, \u00abInternet-bank\u00bb we \u00abMobil-bank\u00bb hyzmatlary arkaly karzlary\u0148 g\u00f6terimini we esasy bergisini t\u00f6lem\u00e4ge, telefon, \u00f6\u00fdj\u00fckli telefon, IP-TV we internet hasabyny doldurmaga we bank kartyny\u0148 galyndysyny bilm\u00e4ge amatly m\u00fcmkin\u00e7ilikleri d\u00f6red\u00fd\u00e4r. H\u00e4zirki wagtda ykdysady\u00fdeti\u0148 sanla\u015fdyrylmagy be\u00fdleki ykdysady d\u00fcz\u00fcmler bilen bir hatarda banklary\u0148 hem sanly ulgama ge\u00e7megini \u015fertlendirdi. Bank ulgamynda ulanyl\u00fdan sanly tehnologi\u00fdalary\u0148 d\u00f6red\u00fd\u00e4n amatlyklary m\u00fc\u015fderiler bilen has \u00fdakyndan hyzma\u015fda\u015flyk etm\u00e4ge we olary\u0148 ileri tutulmalaryna has takyk d\u00fc\u015f\u00fcnm\u00e4ge m\u00fcmkin\u00e7ilik ber\u00fd\u00e4n h\u00e4zirki zaman ugurlary pe\u00fddalanmagy\u0148 hasabyna m\u00fc\u015fderileri saklap galmaga, bank teleke\u00e7iligini gi\u0148eltm\u00e4ge \u00fdardam ber\u00fd\u00e4n seb\u00e4pleri\u0148 biridir. T\u00fcrkmenistanda sanly ykdysady\u00fdeti\u0148 kemala gelmegi jemgy\u00fdet\u00e7ilik durmu\u015fynda we mali\u00fde i\u015finde maglumat we sanly seri\u015fdeleri\u0148 \u00e4hmi\u00fdetini\u0148 g\u00fc\u00fd\u00e7lenmegi bilen h\u00e4si\u00fdetlendiril\u00fd\u00e4r. Munu\u0148 esasy seb\u00e4bini ykdysady\u00fdeti\u0148 sanly g\u00f6rn\u00fc\u015finde jemlenen m\u00fcmkin\u00e7ilikleri\u0148 di\u0148e bir ykdysady \u00f6s\u00fc\u015fi \u00fcpj\u00fcn etmekde d\u00e4l, e\u00fdsem, ynsan durmu\u015fyny\u0148 hem \u00f6zgermegine getir\u00fd\u00e4ndigi bilen d\u00fc\u015f\u00fcndirip bolar.<\/p>\n
T\u00fcrkmen D\u00f6wlet Binag\u00e4rlik-gurlu\u015fyk institutyny\u00f1 talyby \u00d6wezow Matjan<\/strong><\/em><\/p>\n <\/p>","protected":false},"excerpt":{"rendered":" Berkarar d\u00f6wletimizi\u0148 T\u00e4ze e\u00fd\u00fdamyny\u0148 Galkyny\u015fy d\u00f6wr\u00fcnde milli ykdysady\u00fdetimizi d\u00fcn\u00fd\u00e4ni\u0148 \u00f6\u0148debaryjy d\u00f6wletlerini\u0148 derejesine \u00fdetirmek, ykdysady\u00fdetimizi\u0148 \u00e4hli pudaklaryna d\u00fcn\u00fd\u00e4 \u00fdurtlaryny\u0148 ykdysady \u00f6s\u00fc\u015finde \u00f6z o\u0148yn netijelerini g\u00f6rkezen \u00f6\u0148debaryjy tilsimatlary, usullary orna\u015fdyrmak hormatly Prezidentimizi\u0148 ykdysady sy\u00fdasatyny\u0148 esasy ugry bolup dur\u00fdar. Bu barada \u201cT\u00fcrkmenistany\u0148 Ykdysady, mali\u00fde we bank ulgamlaryny \u00f6sd\u00fcrmegi\u0148 2019\u20132025-nji \u00fdyllar \u00fc\u00e7in Maksatnamasynda\u201d hem a\u00fdratyn nygtal\u00fdar. Maksatnama la\u00fdyklykda karz […]<\/p>\n","protected":false},"author":3,"featured_media":22612,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10,1],"tags":[],"_links":{"self":[{"href":"https:\/\/newsashgabat.com\/index.php?rest_route=\/wp\/v2\/posts\/22573"}],"collection":[{"href":"https:\/\/newsashgabat.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/newsashgabat.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/newsashgabat.com\/index.php?rest_route=\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/newsashgabat.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=22573"}],"version-history":[{"count":2,"href":"https:\/\/newsashgabat.com\/index.php?rest_route=\/wp\/v2\/posts\/22573\/revisions"}],"predecessor-version":[{"id":22604,"href":"https:\/\/newsashgabat.com\/index.php?rest_route=\/wp\/v2\/posts\/22573\/revisions\/22604"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/newsashgabat.com\/index.php?rest_route=\/wp\/v2\/media\/22612"}],"wp:attachment":[{"href":"https:\/\/newsashgabat.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=22573"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/newsashgabat.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=22573"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/newsashgabat.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=22573"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}