{"id":9017,"date":"2025-05-13T20:29:28","date_gmt":"2025-05-13T15:29:28","guid":{"rendered":"https:\/\/biznesreport.uz\/?p=9017"},"modified":"2025-05-13T20:29:29","modified_gmt":"2025-05-13T15:29:29","slug":"pulni-qanday-saqlash-kerak","status":"publish","type":"post","link":"https:\/\/biznesreport.uz\/index.php\/2025\/05\/13\/pulni-qanday-saqlash-kerak\/","title":{"rendered":"Pulni qanday saqlash kerak? Naqd yoki karta?"},"content":{"rendered":"\n
\"\"<\/figure>\n\n\n\n

O’zbekistonda allaqachon naqdsiz to’lovlar tizimi tez rivojlanib, bank kartalari va elektron to’lovlar kundalik hayotning ajralmas qismiga aylandi. Statistik ma’lumotlarga ko’ra, 2024-yil boshiga kelib plastik kartalar soni 46,2 million donaga yetdi va terminallar orqali to’lovlar hajmi 254 trillion so’mdan oshdi. <\/p>\n\n\n\n

Biroq, naqd pul hali ham muhim ahamiyatga ega bo’lib, bank kassalari orqali berilgan naqd pullar hajmi 2023-yilga nisbatan 22 foizga oshgan. Bu maqolada naqd va plastik kartalarda pul saqlashning qulayligi va samaradorligi, O’zbekistonda naqd va naqdsiz to’lovlar statistikasi hamda pulni samarali boshqarish usullari haqida gaplashamiz. <\/p>\n\n\n\n

Bank kartalari va naqdsiz to’lovlar <\/strong><\/h2>\n\n\n\n

O’zbekistonda bank kartalaridan foydalanish va naqdsiz to’lovlar hajmi so’nggi yillarda sezilarli darajada o’sdi. 2024-yil yanvar oyiga kelib mamlakatda muomaladagi plastik kartalar soni 46,2 million donani tashkil etdi<\/a>. Bu raqam O’zbekiston aholisini hisobga olganda, deyarli har bir fuqaroga bir nechta plastik karta to’g’ri kelishini ko’rsatadi. Mamlakatda naqdsiz to’lovlar hajmi ham o’sayotganini ko\u2019rish mumkin \u2014 2024-yil boshida bankomatlar va ma’lumot infokiosklari soni 26,6 mingtani, to’lov terminallari soni esa 429,3 mingtani tashkil etgan.<\/p>\n\n\n\n

Naqdsiz to’lovlar hajmi ham muntazam ravishda o’sib bormoqda. 2024-yilda bank kartalariga kirim qilingan mablag’lar 1034 trillion so’mni tashkil qilib, 2023-yilga nisbatan 1,3 barobarga oshgan<\/a>. Bu raqam jamiyatda naqdsiz to’lovlarga bo’lgan ishonch va talabning ortib borayotganidan dalolat beradi. Ayniqsa, savdo va xizmat ko’rsatish sohasida terminal tushumlari (shu jumladan, mobil ilova orqali to’lovlar) salmog’i 2023-yildagi 40 foizdan 2024-yilda 44 foizga yetgani so\u2019zimizni isbotlaydi. <\/p>\n\n\n\n

P2P o’tkazmalar va QR-kod to’lovlari<\/strong><\/h2>\n\n\n\n

Kartadan kartaga pul o’tkazish xizmati (P2P xizmati) ham O’zbekistonda juda ommalashib bormoqda. 2023-yil davomida Uzcard va Humo to’lov tizimlarida amalga oshirilgan kartadan kartaga pul o’tkazmalari 224,3 trillion so’mni tashkil etgan, bu esa 2022-yilga nisbatan 80,8 trillion so’mga yoki 56 foizga ko’p. Bu ko’rsatkich fuqarolarning kundalik moliyaviy operatsiyalarida P2P xizmatlaridan tobora ko’proq foydalanayotganini ko’rsatmoqda.<\/p>\n\n\n\n

Qiziq jihati shundaki, ushbu o’tkazmalarning 65,7 foizi Uzcard va 34,3 foizi Humo to’lov tizimi hissasiga to’g’ri kelgan<\/a>. Bu raqamlar milliy to’lov tizimlarining bozordagi ulushi va ulardan foydalanish darajasini ko’rsatib beradi.<\/p>\n\n\n\n

Shuningdek, QR-kod orqali to’lov tizimi ham rivojlanib bormoqda. 2023-yilda QR-online axborot tizimi tomonidan tadbirkorlik subyektlariga taqdim qilingan QR-kodlar soni 2022-yilga nisbatan 3 mingtaga ortib, 100,7 ming donaga yetgan va tranzaksiyalar summasi qariyb 2,5 barobarga ortib, 137 milliard so’mdan 337 milliard so’mgacha oshgan.<\/p>\n\n\n\n

Naqd pul muomalasi dinamikasi<\/strong><\/h2>\n\n\n\n

Naqdsiz to’lovlarning o’sishiga qaramay, naqd pul hali ham O’zbekiston moliya tizimida muhim o’rin tutadi. 2024-yilda banklar orqali naqd pul aylanmasi hajmi 1 011 trillion so’mni (naqd pul tushumlari \u2013 501 trillion so’m, berilgan naqd pullar \u2013 510 trillion so’m) tashkil etgan holda, 2023-yilga nisbatan 22 foizga oshgan<\/a>.<\/p>\n\n\n\n

Hisobot davrida bank kartalaridan 226 trillion so’m mablag’lar naqdlashtirib olingan (o’tgan yilga nisbatan 19,5 foiz ko’p), xususan, bankomatlar orqali 189 trillion so’m miqdorida naqd pul yechilgan. Bu ma’lumotlar O’zbekistonda hali ham ko’plab fuqarolar naqd puldan faol foydalanishini ko’rsatmoqda.<\/p>\n\n\n\n

Naqd pulni saqlashning afzalliklari va kamchiliklari<\/strong><\/h2>\n\n\n\n

Naqd pul hali ham moliyaviy operatsiyalarda qator ustunliklarga ega. Birinchidan, naqd pul to’g’ridan-to’g’ri va darhol ishlatilishi mumkin, buning uchun hech qanday texnik vositalar talab qilinmaydi. Ayniqsa, texnik infratuzilma yetarli darajada rivojlanmagan hududlar va kichik savdo shoxobchalarida naqd pul bilan hisob-kitob qilish ancha qulay hisoblanadi.<\/p>\n\n\n\n

Ikkinchidan, naqd pul ishlatish haqida qo’shimcha ma’lumotlar (masalan, xarid qilingan mahsulot haqidagi ma’lumotlar) saqlanmaydi, shu sababli ba’zi kishilar uchun naqd pul bilan to’lov qilish shaxsiy ma’lumotlar xavfsizligi nuqtai nazaridan afzalroq ko’rinadi.<\/p>\n\n\n\n

Uchinchidan, naqd pul bilan to’lov qilganda, qancha pul sarflanayotganini ko’rish va his qilish mumkin, bu esa shaxsiy moliyani nazorat qilishda foydali bo’lishi mumkin. Ko’pchilik odamlar pullarni karta orqali sarflashda ko’proq xarajat qilishga moyil bo’lishadi, chunki virtual pulni sarflash hissi naqd pulni sarflash hissidan farq qiladi.<\/p>\n\n\n\n

Ammo<\/strong><\/h2>\n\n\n\n

Naqd pulni saqlash va ishlatish bir qator qiyinchiliklarni ham keltirib chiqaradi. Eng avvalo, xavfsizlik masalasi muhim – naqd pul yo’qolgan yoki o’g’irlangan taqdirda, uni qaytarish ehtimoli deyarli yo’q. Bundan tashqari, katta miqdordagi naqd pulni saqlash va olib yurish ham noqulayliklar tug’dirishi mumkin.<\/p>\n\n\n\n

Shuningdek, naqd pul bilan to’lovlarni amalga oshirishda moliyaviy operatsiyalarni hisobga olish, rejalashtirish va tahlil qilish nisbatan qiyinroq. <\/p>\n\n\n\n

Plastik kartalarda pulni saqlashning afzalliklari va kamchiliklari<\/strong><\/h2>\n\n\n\n

Birinchidan, pulni plastik kartada saqlash xavfsizlik nuqtai nazaridan ustun, chunki karta yo’qolgan yoki o’g’irlangan taqdirda ham, PIN-kod yoki boshqa himoya vositalari mavjudligi sababli, undan ruxsatsiz foydalanish ehtimoli kamroq. Agar o’g’rilar kartani o’g’irlagan taqdirda ham o’sha zahoti pulni yechib ololmaydi, chunki buning uchun PIN-kodni bilish kerak.<\/p>\n\n\n\n

Ikkinchidan, plastik kartalar pulni istalgan vaqtda va joyda ishlatish imkonini beradi. <\/p>\n\n\n\n

Uchinchidan, plastik kartalar orqali to’lovlarni onlayn amalga oshirish, pulni masofadan turib o’tkazish va turli xizmatlardan foydalanish imkoniyati mavjud. Bu ayniqsa pandemiyadan so’ng o\u2019z ahamiyatini yanada oshirdi. <\/p>\n\n\n\n

Ammo<\/strong><\/h2>\n\n\n\n

Plastik kartalarda pulni saqlash ba’zi kamchiliklar ham mavjud. Masalan, texnik nosozliklar, tizim uzilishlari yoki internet aloqasining yo’qligi plastik kartalardan foydalanishni cheklashi mumkin. Bu ayniqsa chekka hududlarda muammo tug’dirishi mumkin.<\/p>\n\n\n\n

Yoki ba’zi joylarda hali ham to’lov terminallari va bank infratuzilmasi yetarli darajada rivojlanmagan bo’lishi mumkin, bu esa plastik kartalardan foydalanish imkoniyatlarini cheklaydi.<\/p>\n\n\n\n

Uchinchidan, kiber firibgarlik va bank kartalaridan mablag’larni o’g’irlash holatlari ham mavjud. Shu sababli, mutaxassislar kartada faqat bir necha kun yoki bir hafta ichida sarflanishi rejalashtirgan pul miqdorini saqlashni tavsiya qiladi. <\/p>\n\n\n\n

Optimal yechim qanday?<\/strong><\/h2>\n\n\n\n

Moliya mutaxassislarining fikriga ko’ra, pulni saqlashning eng samarali usuli bu turli xil moliyaviy vositalardan kombinatsiyalangan holda foydalanishdir. <\/p>\n\n\n\n

Ya\u2019ni jamg’arma hisobvarag’i yoki pulni qisman yechib olish va to’ldirish imkoniyatiga ega bo’lgan bank omonatini ochish va jamg’armalarning asosiy summasini shu hisobvaraqda saqlash kerak. <\/p>\n\n\n\n

Kundalik xarajatlar uchun plastik kartalardan foydalanish qulay bo’lsa-da, jamg’armalarni kartada saqlash tavsiya etilmaydi. Buning o’rniga, omonat hisobvaraqlari, investitsiya, moliyaviy instrumentlari kabi samarali usullardan foydalanish maqsadga muvofiq. <\/p>\n\n\n\n

Shuningdek, pulni saqlash usulini tanlashda xavfsizlik masalasiga alohida e’tibor qaratish muhim. Plastik kartalarni xavfsiz ishlatish uchun PIN-kodlarni maxfiy saqlash, kartani uchinchi shaxslarga bermaslik, shubhali saytlarda karta ma’lumotlarini kiritmalsik kabi qoidalarga rioya qilish kerak. <\/p>\n\n\n\n

Naqd pulni saqlashda esa ishonchli joylarni tanlash, katta miqdordagi naqd pulni uzoq vaqt davomida saqlamaslik tavsiya etiladi.<\/p>\n","protected":false},"excerpt":{"rendered":"

O’zbekistonda allaqachon naqdsiz to’lovlar tizimi tez rivojlanib, bank kartalari va elektron to’lovlar kundalik hayotning ajralmas qismiga aylandi. Statistik ma’lumotlarga ko’ra, 2024-yil boshiga kelib plastik kartalar soni 46,2 million donaga yetdi va terminallar orqali to’lovlar hajmi 254 trillion so’mdan oshdi.  Biroq, naqd pul hali ham muhim ahamiyatga ega bo’lib, bank kassalari orqali berilgan naqd pullar hajmi…<\/p>\n","protected":false},"author":1,"featured_media":9019,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[],"class_list":["post-9017","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-moliya"],"yoast_head":"\nPulni qanday saqlash kerak? 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Statistik ma’lumotlarga ko’ra, 2024-yil boshiga kelib plastik kartalar soni 46,2 million donaga yetdi va terminallar orqali to’lovlar hajmi 254 trillion so’mdan oshdi.  Biroq, naqd pul hali ham muhim ahamiyatga ega bo’lib, bank kassalari orqali berilgan naqd pullar hajmi...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/biznesreport.uz\/index.php\/2025\/05\/13\/pulni-qanday-saqlash-kerak\/\" \/>\n<meta property=\"og:site_name\" content=\"Biznesreport\" \/>\n<meta property=\"article:published_time\" content=\"2025-05-13T15:29:28+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-05-13T15:29:29+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/biznesreport.uz\/wp-content\/uploads\/2025\/05\/post-copy-44.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"biznesreport\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"biznesreport\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 daqiqa\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/biznesreport.uz\/index.php\/2025\/05\/13\/pulni-qanday-saqlash-kerak\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/biznesreport.uz\/index.php\/2025\/05\/13\/pulni-qanday-saqlash-kerak\/\"},\"author\":{\"name\":\"biznesreport\",\"@id\":\"https:\/\/biznesreport.uz\/#\/schema\/person\/2044e3e4ccc0ef26d2c719d5e8d098d9\"},\"headline\":\"Pulni qanday saqlash kerak? 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