Хэрэглээний төлбөр зээлийн оноонд нөлөөлөхөө больж, 700 мянга орчим өр төлбөрийн мэдээлэл хасагджээ

2026-8-27

Үүрэн холбоо, цахилгаан, дулаан, ус зэрэг хэрэглээний төлбөрийн мэдээлэл иргэдийн зээлийн оноонд нөлөөлөхөө больж, үүнтэй холбоотой 690 гаруй мянган өр төлбөрийн мэдээллийг зээлийн оноо тооцохоос бүрэн хасжээ. УИХ-ын дарга С.Бямбацогт долдугаар сарын 29-нд Монголбанкны Ерөнхийлөгч болон холбогдох албан тушаалтнуудтай уулзаж, иргэдээс ирүүлсэн зээлийн мэдээлэл, “хар жагсаалт”-тай холбоотой санал гомдлыг хэлэлцсэн байна. Улмаар уг асуудлыг цэгцлэх чиглэлээр Монголбанкны удирдлагад 30 хоногийн хугацаатай үүрэг өгсөн аж.

Энэ чиглэлийн хүрээнд Монголбанк хэрэглээний төлбөрийн мэдээллийг зээлийн онооноос тусгаарлажээ. Тодруулбал, үүрэн холбоо, цахилгаан, дулаан, ус болон бусад хэрэглээний төлбөрийн мэдээлэл цаашид зээлийн оноонд нөлөөлөхгүй. Харин тухайн мэдээлэл нь зээлийн лавлагааны “Бусад өр төлбөр” хэсэгт тусдаа харагдахаар зохицуулсан байна. Үүний үр дүнд 390 гаруй мянган өр төлбөрийн мэдээлэл, 300 гаруй мянган хүлээгдэж буй төлбөр, нийтдээ 690 гаруй мянган мэдээлэл зээлийн оноо тооцох тооцооллоос хасагджээ.

Мөн Монголбанк зээлээ төлсөн иргэний зээлийн оноо шуурхай шинэчлэгддэг болсныг мэдээлсэн байна. Өөрөөр хэлбэл, өмнө нь зээлийн төлөлттэй холбоотой асуудал гарсан ч өр төлбөрөө барагдуулж, санхүүгийн сахилга батаа сайжруулсан тохиолдолд зээлийн оноогоо дахин өсгөх боломжтой болсон. Монголбанк өмнө нь “хар жагсаалт” гэх ойлголт байхгүй болж, зээлдэгчийн зээлжих чадварыг оноонд суурилан үнэлдэг тогтолцоонд шилжсэн гэж тайлбарлаж байсан юм.

Цаашид зээлийн мэдээллийн лавлагааг мөн шинэчлэхээр төлөвлөжээ. 2026 оны есдүгээр сарын 20-ноос эхлэн лавлагаанд мэдээлэл шинэчилсэн огноо, мэдээлэл нийлүүлэгч байгууллага болон зээлийн оноогоо сайжруулах зөвлөмжийг тодорхой харуулах зохицуулалт хэрэгжихээр байна.

Түүнчлэн бага дүнтэй болон финтек зээлийн онцлогт нийцүүлэн зээлийн дүн, хугацаа, эрсдэлээс хамаарсан ангилал, онооны жинг ялгаатай тогтоох боломжийг судалж байгаа аж. Мөн иргэдэд зээл олгохоос татгалзсан тохиолдолд үндэслэл, шалтгааныг ойлгомжтой тайлбарлах нийтлэг шаардлага бий болгох журмын өөрчлөлтийг бэлтгэж байгаа талаар Монголбанк, Санхүүгийн зохицуулах хороо мэдээлжээ. Ингэснээр зээлийн мэдээллийн тогтолцоог иргэнийг удаан хугацаанд “муу зээлдэгч” гэж үзэх бус, тухайн үеийн төлөлтийн чадвар, санхүүгийн сахилга батад нь тулгуурлан үнэлдэг, илүү уян хатан тогтолцоо болгох зорилт тавьж байна.

Л.Баяр

АНХААРУУЛГА: Та сэтгэгдэл бичихдээ хууль зүйн болон ёс суртахууны хэм хэмжээг хүндэтгэнэ үү. Хэм хэмжээ зөрчсөн сэтгэгдэлийг админ устгах эрхтэй.

Сэтгэгдэл (11)

Dexter Berger (187.15.115.207)

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2026 оны 08 сарын 27 | Хариулах