MIKROKREDITLASHNI TURLI HUQUQIY TIZIMLARDA TARTIBGA SOLISH MODELLARINING QIYOSIY TAHLILI
Kalit so‘zlar:
mikrokreditlash, mikromoliya tashkiloti, moliyaviy xizmat, axborotni oshkor etish, kreditning toʻliq qiymati, foiz cheklovlari, masʼuliyatli kreditlash, toʻlov qobiliyati, raqamlashtirishAnnotatsiya
Ushbu maqolada mikrokreditlash sohasining turli huquqiy modellari qiyosiy-huquqiy tahlil qilinib, Oʻzbekiston qonunchiligini takomillashtirish bo‘yicha doktrinal xulosalar ilgari suriladi. Tadqiqot markazida “mikrokreditlashni tartibga solish modeli” turadi. Mazkur model bozorga kirish (litsenziyalash, proporsional talablar), shartnoma standartlari, iste’molchilarni himoya qilish, kreditning toʻliq qiymatni oshkor etish, narx cheklovlari hamda masʼuliyatli kreditlash va nazorat tizimining oʻzaro bogʻliq majmuasini ifodalaydi. Tadqiqot metodologiyasi qiyosiy-huquqiy usul, yuridik-dogmatik tahlil va institutsional nazariya elementlarini birlashtirib, huquqiy rejimlarni subyektlar oʻrtasida risklarni taqsimlovchi konstruksiyalar sifatida o‘rganadi. Mikrokreditlashning tadbirkorlik va ijtimoiy (moliyaviy inklyuziya) funksiyalari o‘rtasidagi muvozanatni ta’minlashda halollik va huquqni suiiste’mol qilmaslik kabi imperativ tamoyillarning o‘rni tahlil qilinadi. Oʻzbekiston qonunchiligi uchun de lege ferenda (kelajakdagi qonunchilik nuqtayi nazaridan) takliflar ishlab chiqilgan boʻlib, ular kreditning toʻliq qiymatini oshkor etish standartlarini kuchaytirish, bogʻlangan xizmatlarni majburlashga qarshi qoidalar oʻrnatish, proporsional mas’uliyatli kreditlashni joriy etish, yashirin toʻlovlarni taqiqlash bilan uygʻunlashgan narx cheklovlarini belgilash, shartnoma shartlarini standartlashtirish hamda maʼlumotni oshkor etish qoidalari buzilishining xususiy-huquqiy oqibatlarini mustahkamlashdan iborat.
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