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[TEXT] => Сумовые вклады:uz:So'm omonatlari
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[TEXT] => Автокредит:uz:Avto kredit
[LINK] => /credits/avtokredit
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[PERMISSION] => X
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[TEXT] => Микрозаймы:uz:Mikroqarz
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[PERMISSION] => X
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[TEXT] => Образовательный кредит:uz:Ta'lim krediti
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[PERMISSION] => X
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[TEXT] => Овердрафт:uz:Overdraft
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[TEXT] => Потребительский кредит:uz:Iste'mol krediti
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[PERMISSION] => X
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[TEXT] => Автокредит для вторичного рынка:uz:Ikkilamchi bozor uchun avtomobil krediti
[LINK] => /credits/tags/avtokredit-vtorichka
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[PERMISSION] => X
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[TEXT] => Ипотека:uz:Ipoteka
[LINK] => /ipoteka
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[0] => Ипотека:uz:Ipoteka
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[11] => Array
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[TEXT] => Новостройки:uz:Yangi qurilgan uylar
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[PERMISSION] => X
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[TEXT] => Вторичный рынок:uz:Ikkilamchi bozor
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[PERMISSION] => X
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[TEXT] => Карты:uz:Kartalar
[LINK] => /cards
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[PERMISSION] => X
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[TEXT] => Сумовые карты:uz:So'm kartalari
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[PERMISSION] => X
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[TEXT] => Валютные карты:uz:Valyuta kartalari
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[TEXT] => Дебетовые карты:uz:Debet kartalar
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[PERMISSION] => X
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[TEXT] => Кредитные карты:uz:Kredit kartalar
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[PERMISSION] => X
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[TEXT] => Рассрочка
[LINK] => /rassrochka
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[PERMISSION] => X
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[TEXT] => Страхование
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[PERMISSION] => X
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[0] => Страхование
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[20] => Array
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[TEXT] => Физическим лицам:uz:Jismoniy shaxslar uchun
[LINK] => /insurance/fizicheskim-litsa
[SELECTED] =>
[PERMISSION] => X
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[TEXT] => Автострахование:uz:Avtosug'urta
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[SELECTED] =>
[PERMISSION] => X
[ADDITIONAL_LINKS] => Array
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[TEXT] => Путешествие:uz:Sayohatchilar sug'urtasi
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[PERMISSION] => X
[ADDITIONAL_LINKS] => Array
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[TEXT] => Имущество:uz:Mulk
[LINK] => /insurance/imushchestvo
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[PERMISSION] => X
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[CHAIN] => Array
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[TEXT] => Здоровье:uz:Sog'liq
[LINK] => /insurance/zdorove
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[PERMISSION] => X
[ADDITIONAL_LINKS] => Array
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[0] => Здоровье:uz:Sog'liq
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[TEXT] => Юридическим лицам:uz:Yuridik shaxslar uchun
[LINK] => /insurance/yuridicheskim-litsam
[SELECTED] =>
[PERMISSION] => X
[ADDITIONAL_LINKS] => Array
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[ITEM_INDEX] => 25
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[TEXT] => Автострахование:uz:Avtosug'urta
[LINK] => /insurance/avtostrakhovanie-yur
[SELECTED] =>
[PERMISSION] => X
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[27] => Array
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[TEXT] => Грузоперевозки:uz:Yuk tashish
[LINK] => /insurance/gruzoperevozki
[SELECTED] =>
[PERMISSION] => X
[ADDITIONAL_LINKS] => Array
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[0] => Грузоперевозки:uz:Yuk tashish
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[TEXT] => ОПО:uz:Xavfli ishlab chiqarish ob'ektlarini sug'urtalash
[LINK] => /insurance/opo
[SELECTED] =>
[PERMISSION] => X
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[29] => Array
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[TEXT] => Путешествие:uz:Sayohat
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[PERMISSION] => X
[ADDITIONAL_LINKS] => Array
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[TEXT] => СМР:uz:Qurilish-montaj qaltisliklaridan sug'urta
[LINK] => /insurance/smr
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[PERMISSION] => X
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[TEXT] => Рейтинг приложений
[LINK] => /app_rating/
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[PERMISSION] => X
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[32] => Array
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[TEXT] => Ещё
[LINK] => javascript:void(0)
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[PERMISSION] => Z
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[33] => Array
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[TEXT] => Организации
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[child] => Array
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[34] => Array
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[TEXT] => Банки:uz:Banklar
[LINK] => /orgs/banks
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[PERMISSION] => X
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[35] => Array
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[TEXT] => Микрокредитные организации:uz:Mikrokredit tashkilotlari
[LINK] => /orgs/mikrokreditnye-organizatsii
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[36] => Array
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[TEXT] => Лизинг:uz:Lizing
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[ADDITIONAL_LINKS] => Array
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[TEXT] =>
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[PERMISSION] => X
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[TEXT] => Ломбарды:uz:Lombardlar
[LINK] => /orgs/lombardy
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[TEXT] => Страховые компании:uz:Sug'urta kompaniyalari
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[PERMISSION] => X
[ADDITIONAL_LINKS] => Array
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1
Согласно выдвинутой Президентом Исламом Каримовым Концепции дальнейшего углубления демократических реформ и формирования гражданского общества в стране был принят Закон Республики Узбекистан “О залоговом реестре”.
Этот закон направлен на дальнейшее совершенствование рыночной экономики, упорядочение отношений между кредиторами и должниками, ведение единого реестра, обеспечение надежности отраслевой информации. Закон вступит в силу 1 июля 2014 года.
Закон Республики Узбекистан “О залоговом реестре” создает правовые основы для создания единой информационной базы данных о правах кредиторов на имущество должников, предоставленное в качестве обеспечения исполнения обязательств, о наложенном в соответствии с законом ограничении прав должника распоряжаться имуществом и пользоваться им, а также иных требованиях, связанных с обеспечением надлежащего исполнения должником своих обязательств.
Организация в нашей стране системы ведения единого залогового реестра положит конец досрочному исключению из залогового реестра прав кредитора на имущество должника со стороны ведомств или учреждений, ограничивших права должника на имущество, переданное им в качестве обеспечения исполнения обязательств (залог). К примеру, запись об имуществе, переданном предпринимателем с целью развития своего бизнеса финансовому учреждению в качестве обеспечения для получения кредита коммерческого банка, вносится в залоговый реестр с согласия должника, исключение этой записи из реестра осуществляется пользователем, внесшим данную запись, в случае прекращения прав кредитора на имущество должника, исполнения обязательств и по другим основаниям, предусмотренным в законе. Проще говоря, предотвращается использование в качестве залога одного и того же имущества, переданного в качестве обеспечения за кредитные средства, в иных целях, пока не будут полностью исполнены обязательства должника перед кредитором. Создание правовых основ для использования имущества в качестве обеспечения еще более укрепит доверие между банковско-финансовыми институтами и клиентами.
По мнению специалистов, данный закон сыграет важную роль в дальнейшем совершенствовании системы управления экономикой, основанной на рыночных принципах и частной собственности. Закон будет способствовать предотвращению задолженности по налогам и другим обязательным платежам, создаст субъектам предпринимательства условия для пользования своим имуществом в качестве залога с целью дальнейшего расширения работы по благоустройству страны и повышению благосостояния народа.
Источник: УзА
Алокабанк
Акционерно-коммерческий «Алокабанк» образован Постановлением Кабинета Министров Республики Узбекистан от 12 октября 1994 года в целях экономического роста и финансовой поддержки предприятий Узбекского агентства связи и информатизации и субъектов малого бизнеса и частного предпринимательства.
Источник:
Aloqabank
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