«Biznesting jol kartasy – 2020» baghdarlamasy degenimiz qanday baghdarlama, onyng basty maqsaty ne?

«Biznesting jol kartasy – 2020» baghdarlamasy ( odan әri - Baghdarlama ) Qazaqstan Respublikasy Preziydentining « Jana onjyldyq – Jana ekonomy kalyq órleu – Qazaqstannyng jana mýmkindikteri » atty Qazaqstan halqyna Joldauyn jәne Qazaqstannyng 2020 jylgha deyingi startegiyalyq damu josparyn iske asyru ýshin әzirlengen . Baghdarlama 2014 jylgha deyingi Memlekettik ýdemeli industrialdy-innovasiyalyq damytu baghdarlamasyn iske asyru mehanizm derining biri bolyp tabylady.

Baghdarlamanyng maqsaty ekonomikanyng shiykizattyq emes sektorlaryndaghy ónirlik kәsipkerlikting túraqty jәne tengerimdi ósuin qamtamasyz etu, sonymen qatar bar júmys oryndaryn saqtau jәne túraqty júmys isteytin jana júmys oryndaryn qúru bolyp tabylady.

Baghdarlamanyng iske asyryluyna qansha uaqyt qajet?

Baghdarlama eki kezenmen jýzege asyrylatyn bolady:

1- shi kezeng - 2010 - 2014 jyldar aralyghynda.

Yaghni, 2010 jyl Baghdarlama mindettemelerining sheshilui: jana biznes- bastamalardy qoldau, kәsipkerlik sektordy sauyqtyru, shetelge tauar shygharushylardy qoldau siyaqty ýsh baghyt boyynsha iske asyrylatyn pilotty jyl bolyp tabylady. 2011–2014 jj . mindettemelerding sheshilui jana baghdarlamalardy qoldau , shetelge tauar shygharushylardy qoldau siyaqty eki baghyt boyynsha iske asyrylatyn bolady .

2- shi kezeng – 2015 - 2020 jyldar aralyghynda jana baghdarlamalardy qoldau , shetelge tauar shygharushylardy qoldau siyaqty eki baghyt boyynsha iske asyrylatyn bolady.

Jobalardy irikteu kezinde qanday saladaghy kәsiporyn qyzmetine basymdyq beriletin bolady ?

«Biznes jol kartasy – 2020» baghdarlamasyna әleuetti qatysushylar ýshin ekonomikanyng basym sektorlary :

Agro ónerkәsip kesheni ;

ken óndiru ónerkәsibi salasyndaghy tehny kalyq qyzmetter * ;

jenil ónerkәsip jәne jihaz shygharu ;

qúrylys material dary men metall emes ózge miyneral dy ónimder óndiru ;

metallurgiya, metal lóndeu , mashin a jasau ;

ózge ónerkәsip sektorlary ( onyng ishinde ózge dayyn ónimder shygharu ; elektr men jabdyqtau , gaz , bu beru jәne aua sorghyzu ; su jinau, óndeu jәne taratu ; kanalizasy ya jýiesi ; qaldyqtardy jinau , óndeu jәne tazartu , qaldyqtardy iske jaratu ; qaldyqtardy jon salasynda qayta kulitivasiya lau )

kólik jәne qoyma qyzmeti ;

turizm;

aqparat jәne baylanys ;

kәsiby , ghylymy jәne tehny kalyq qyzmet ;

bilim ;

densaulyq saqtau jәne әleumettik qyzmetter ;

óner , kónil kóteru jәne demalys ;

qyzmetting ózge týrlerin ( kompiuter lerdi , jeke paydalanu zattary men túrmystyq tauarlardy jóndeu júmysyn ) úsynu.

* Osy tehny kalyq qyzmet týrine syiaqy ýshin nemese shart negizinde úsynylatyn tau-ken óndirisi ónerkәsibine ilesip jýretin mamandandyrylghan kómek jatady. O ghan :

- rud a ýlgilerin óndiru jәne geology yalyq zertteuler jýrgizu siyaqty barlau júmysynyng dәstýrli әdisterin qoldana otyryp, ken izdeu-barlau júmystary;

- únghyma jәne b úrghylau júmystaryn iygeru, múnay únghymalaryn búrghylau synaghy nemese qaytadan búrghylau ,

- metall jәne metall emes miyneral dar óndiru ,

- múnay jәne gaz únghymalaryn búrghylau jónindegi ózge qyzmetter jәne olardyng negizin qúru júmystary , múnay–gaz únghymalaryn sementteu , tau jynystaryn alu , únghymalardan sudy tartyp shygharu jәne olardy svab arqyly shygharyp alu , drenaj jәne sudy nasostarmen shygharyp alu , tau jynystaryn tazartu jәne t.s.s. qyzmetter jatady .

Mynaday tehny kalyq qyzmetterge :

- operator lardyng múnay jәne gaz óndiru oryndaryndaghy qyzmeti ,

- tau-ken óndirisi tehnik asyna mamandandyrylghan jóndeu júmysy ,

- óndiru oryndarynan tys jerde jýzege asyrylatyn tabighy gazdy tasymaldau maqsatynda , ony súiyq etu jәne gazsyzdandyru,

- geofizikalyq, geologiyalyq jәne seysmikalyq zertteuler,

-kenishti nemese jerasty óndiru oryndaryn kelisim-shart negizinde basqaru,

- kelisim-shart negizinde geofizikalyq zertteuler siyaqty qyzmet týrleri jatpaydy.

Tolyq aqparat Ekonomikalyq qyzmet týrlerining jalpy synyptauyshynyng (GK RK 03-2007) 9- bóliminde berilgen.

Kәsipkerlerdi «Biznes jol kartasy – 2020» baghdarlamasy boyynsha qoldau qanday baghyttar boyynsha jýzege asyrylady?

Baghdarlamanyng iske asyryluy:

1. jana biznes-bastamalaryn qoldau;

2. kәsipkerlik sektordy sauyqtyru;

3. ónimdi shetke shygharugha baghdarlanghan óndiristerdi qoldau siyaqty ýsh baghyt boyynsha jýzege asyrylady.

Baghdarlamanyng iske asyryluynyng birinshi baghyty ayasyndaghy memlekettik qoldau mynaday әreketterden :

1) jobalardy iske asyru ýshin Bank kreditteri boyynsha payyzdyq mólsherlemening bir bóligin subsidiyalau;

2) jobalardy iske asyrugha baghyttalghan bank kreditteri boyynsha ishinara kepildik beru;

3) óndiristik (industrialdyq) infraqúrylymdy damytu;

4) biznesti jýrgizude servistik qoldau kórsetu;

5) kadr dayyndau, jastar tәjiriybesi jәne әleumettik júmys oryndaryn qúru (komponent 2011 jyldan bastap engiziledi) siyaqty qyzmetten túrady.

Ekinshi baghyt ayasynda –kәsipkerlik sektoryn jaqsartu – mynaday qoldau kórsetiledi:

1) Boryshkerding Bankterden búryn alghan krediyti (maqúldau kezinde) jәne joba maqúldanghannan keyin tuyndaytyn bir kredit jelisi ayasyndaghy jana bereshegining payyzdyq mólsherlemesining bir bóligin subsidiyalau;

2) Boryshkerge ósimpúlyn eseptemesten budjet aldyndaghy (mekeme ústap qalatyn jeke tabys salyghynan bólek) salyq bereshegin óteu merzimin keyinge shegeru;

3) kәsiporyndardy qarjy-ekonomikalyq jaghynan sauyqtyru jospary ayasynda jaqsartu, onyng ishinde Qazaqstan qor birjasynda ornalastyrylghan obligasiyalar boyynsha ishki kreditorlar aldyndaghy bereshekteri boyynsha da ózge is-sharalar.

Baghdarlamany iske asyrudyng ýshinshi baghyty ónimderin syrtqy naryqqa shygharatyn kәsipkerlerdi qoldaugha baghyttalghan .

Memlekettik qoldau Bankterden búryn alynghan kreditter boyynsha payyzdyq mólsherlemening bir bóligin subsidiyalau arqyly kórsetiletin bolady.

Jana jobalar boyynsha subsidiya alu sharttary qanday ?

«Jol kartasy » ayasyndaghy subsidiya degenimiz búl budjet ten óteusiz negizde beriletin nesie boyynsha syiaqynyng bóligi . Subsidy yalau Bank terding jana investisy yalyq jobalardy iske asyru ýshin berilgen jana kreditteri boyynsha , sonymen qatar ekonomik anyng basym sektorlaryndaghy óndiristerdi janartugha jәne úlghaytugha baghyttalghan qoldanystaghy jobalar boyynsha jýzege asyrylatyn bolady .

Jana kredit terge Bankterden jana investisy yalyq jobalardy, sonymen qatar ekonomik anyng basym sektorlaryndaghy óndiristerdi janartugha jәne úlghaytugha baghyttalghan jobalardy iske asyru ýshin 2010 jylghy 1-qantardan bastap berilgen kreditter de jatady .

Jana jobalar boyynsha subsidiya qansha uaqytqa beriledi?

Jana jobalar boyynsha subsidy yalau merzimi 1 ( bir ) jyldan 3 ( ýsh ) jylgha deyin , keyinnen 10 ( on ) jylgha deyin úzartyluy mýmkin .

Jana jobalargha subsidiya berilgen jaghdayda, kreditting eng kóp somasy qansha?

Bir Kәsipker ýshin s ubsidy yalanatyn kredit somasy bir joba shenberinde 3 mlrd te ng ge den aspauy tiyis . Búl jerde kredit somasy, Kәsipkermen ýlestes túlghalar/ kompaniyalardyng krediyti boyynsha bereshegi esepke alynbay esepteledi. Eger kredittin/Kәsipkerding jeke jobasyna berilgen negizgi qaryz boyynsha bereshegining jalpy somasy 3 mlrd. tengeden asyp ketse, Kәsipker subsidiyalau týrindegi memlekettik qoldaudy 3 mlrd. tengelik bir jobasyna ghana alugha qúqyly.

Payyzdar tólemi boyynsha shyghystardyng qanday bóligi memleket tarapynan óteledi?

2010 jyly jyldyq nominaldy stavkasy 12%-dan aspaytyn kreditterge subsidiya bólinedi, onyng 7% -dan aspaytynday mólsherin Kәsipker tóleydi, al 5%-n memleket óteydi. Kredit boyynsha syiaqynyng jyldyq nominaldy stavkasy 12%-dan tómen bolghan jaghdayda, 5%-yn memleket óteydi, al aiyrmashylyghyn Kәsipker tóleydi.

Kәsipker syiaqynyng jyldyq nominaldy stavkasyn 12%-gha deyin tómendetu jóninde Bankpen kelisken jaghdayda ghana 2010 jyldyng 1-qantarynan bastap jyldyghy 12%-dan joghary mólsherleme boyynsha berilgen qoldanystaghy kreditter ýshin subsidiya aluyna bolady. 

Subsidiyalau kezinde Bank qanday komissiya jәne alym óndirip alady ?

Bank subsidiyalau kezinde kreditke baylanysty eshqanday komissy ya , alym jәne/nemese ózge tólemder óndirip almaydy. Tek :

kreditteu sharttarynyng Kәsipkerding bastamashylyghymen ózgeruine baylanysty ;

kәsipkerding kredit mindettemelerin búzu sebebine baylanysty óndirilip alynatyn komissiya , alymdar jәne/nemese ózge tólemderden basqa.

Kәsipker jobagha óz qarajatymen qatysuy tiyis pe jәne qanday mólsherde qatysuy tiyis?

Kәsipker jobanyng jalpy iske asyrylu qúnynyng 15%-nan tómen bolmaytyn dengeyde óz qarajatymen (aqshalay) nemese 25%- nan kem bolmaytyn mólsherde mýlik týrinde jobanyng iske asyryluyna qatysuyn qamtamasyz etui tiyis.

Eger jana jobagha kredit beriletin bolsa, onda Kәsipker subsidiya aluy ýshin qayda ótinish jasauy qajet?

Subsidiya beru mehanizm i mynaday kezenderden túrady :

Kәsipker jana kredit alu ýshin nemese qoldanystaghy kredit boyynsha subsidiya alu niyeti turaly jәne de subsidy yalau maqúldanghan jaghdayda kredit syiaqysynyng mólsherlemesin tómendetu turaly bankke ótinish jasaydy ;

Bank kredit beru / kredit syiaqysynyng mólsherlemesin tómendetu turaly ong sheshim shygharghan jaghdayda, Kәsipker jergilikti dengeydegi jergilikti atqaru organyna ( JAO ) yaghny Ýilestirushige ( Ákimdik janyndaghy kәsipkerlik jәne ónerkәsip basqarmasyna ) ótinish etedi;

JAO barlyq qújat pen aqparatty alghan kezden bastap 10 ( on ) júmys kýni ishinde jobany Aymaqtyq ýilestiru kenesining ( AÝK ) qarastyruyna shygharady.

AÝK subsidy yalaudyng mýmkindigi ( mýmkin emestigi ) turaly sheshim qabyldaydy, sosyn AÝK otyrysy ótkizilgen kýnnen bastap, 2 ( eki ) júmys kýni ishinde hattamamen resimdelinedi , jәne hattamada jobasy maqúldanbaghan jekelegen Kәsipkerlerding qatystyrylmau sebepteri mindetti týrde kórsetilui tiyis ;

JAO AÝK hattamasy әzirlengennen keyin maqúldanghan jobalar tizbesin 2 ( eki ) júmys kýni ishinde :

- Qazaqstan Respublikasy Ekonomikalyq damu jәne sauda ministrligine – EDS M -ge ( maqúldanghan jobalardyng Baghdarlamanyng kriytery ylerine sәikestigin tekseru ýshin );

- Bank terge jәne «Damu» Qoryna ( Kәsipkermen S ubsidy yalau shartyn jasasu jónindegi dayyndyq is-sharalaryn ótkizu ýshin) jiberedi ;

EDSM AÝK hattamasy men Kәsipkerler boyynsha ( maqúldanghan / bas tartylghan ) qújattar paketin alghan song jekelegen jobalardy bekitedi ya bolmasa olardy qúptamaydy jәne qabyldanghan sheshimdi JAO nazarlaryna jetkizedi ;

Jergilikti dengeydegi JAO Kәsipker jobasynyng bekitilgeni jayly EDSM-nen hat alghannan keyin 5 (bes) júmys kýni ishinde barlyq Kәsipkerlerdi qabyldanghan sheshim turaly habardar etedi;

Bank Kәsipker jobasynyng bekitilgeni jayly EDSM-nen hat alghannan keyin Bank pen Kәsipker jәne «Damu» qory arasynda ýshjaqty subsidiyalau Sharty jasalynady;

Jergilikti dengeydegi JAO EDSM-nen kelisim hatyn alghan song «Damu» Qoryna 2010 jyly Baghdarlamany iske asyru ýshin bólingen qarajattyng 30%-y mólsherindegi somany audarady. Odan keyingi audarymdar tólemderding kelisilgen kestesi boyynsha jýzege asyrylady;

Bank bekitilgen subsidiyalau Sharttary boyynsha subsidiya somasyn audaru ýshin «Damu» Qoryna jana esep shot ashady. Bank «Damu» Qorynyng jana esep shotynan subsidiya somasyn esepten shygharyp otyrady;

Subsidiyalaugha qarastyrylghan qarajatty «Damu» Qory Banktegi jana esep shotqa toqsan sayyn aldyn ala tólem týrinde keler toqsan bastalghangha deyin audaryp otyrady;

Kәsipker subsidiyalanbaytyn syiaqynyng bóligin Bankke banktik qaryz Shartynda kórsetilgen kestege sәikes tólep otyrady;

Kәsipker syiaqy stavkasynyng subsidiyalanbaytyn bóligin tólegen song Bank Kәsipkerding subsidiyalanatyn syiaqy stavkasynyng bóligin jabu ýshin «Damu» Qorynyng jana esep shotynan subsidiyalanatyn somany esepten shygharady.

Eger Kәsipker ózining krediyti boyynsha tólemderin, onyng ishinde subsidiyalanbaytyn syiaqy stavkasynyng bóligin tóleudi keshiktirse, Bank «Damu» Qorynyng jana esep shotynan Kәsipker qaryzyn tólegenge deyin qarajat almaydy, jәne búl turaly «Damu» Qoryn qúlaghdar etedi (subsidiyalaudy toqtatu turaly sheshim qabyldanbaghan jaghdayda).

Qanday jaghdayda jana jobalar boyynsha subsidiyalau toqtatyluy mýmkin?

Qarjy agenti:

subsidiyalanatyn kreditting maqsatsyz paydalanyluy ;

Kәsipkerding Banktik qaryz shartyna sәikes tólem kestesine say Bank aldyndaghy tólemderin tóleu jónindegi mindettemelerin 3 ( ýsh ) ay boyy oryndamau faktileri anyqtalghan jaghdayda, Kәsipkerdi subsidiyalaudy toqtatatugha qúqyghy bar .

S ubsidy yalaudy toqtatu Kәsipker Bank aldyndaghy krediytin merziminen búryn jәne tolyghymen ótegen jaghdayda toqtatylady, sonday - aq, JAO nemese «Damu» qory bergen ótinish/habarlama negizinde EDSM - men kelisilgen AÝK sheshimine say toqtatylady.

«Biznesting jol kartasy – 2020» Baghdarlamasynyng birinshi baghyty: «Jana biznes bastamalardy qoldau» ayasynda ishinara kepildik alu sharttary qanday?

Kepildik beru ishinara bolyp tabylady jәne kepildik sharty kredit somasynyng 50% aspauy shart , yaghny bir Ótinish berushige 1,5 mlrd te ng ge den aspaytynday boluy qajet . Qor kepildigin beru Ótinish berushining kredit sharty boyynsha mindettemelerining oryndaluynyng qamtamasyz etilui jóninde Qor , Bank jәne Ótinish berushi arasynda ýshjaqty Kepildik shartyn jasasu arqyly jýzege asyrylady. « Jana biznes bastamalardy qoldau » atty Baghdarlamanyng birinshi baghyty ayasynda Bankter beretin kredit boyynsha ishinara kepildik beruding basty sharttaryna mynalar jatady :

1. Y nvestisy yalyq jobalardy iske asyru ýshin jәne óndiristi janghyrtugha jәne úlghaytugha baghyttalghan jobalar boyynsha jana kreditter segmenti ;

2. Kepildik beriletin kredit somasy – Kәsipkerding jekelegen әr Jobasy ýshin 3 mlrd te ng ge den aspaugha tiyis. Búl jerde kredit somasy, Kәsipkermen ýlestes túlghalar/ kompaniyalardyng krediyti boyynsha bereshegi esepke alynbay esepteledi. Eger kredittin/Kәsipkerding jeke Jobasyna berilgen negizgi qaryz boyynsha bereshegining jalpy somasy 3 mlrd. tengeden asyp ketse, Kәsipker ishinara kepildendiru týrindegi memlekettik qoldaudy 3 mlrd. tengelik bir Jobasyna ghana alugha qúqyly.

3. Kepildik beru merzimi 10 jyldan aspauy tiyis;

4. Óz qarajatymen qatysu – Kәsipker jobanyng jalpy iske asyrylu qúnynyng 15%-nan tómen emes mólsherde aqshalay nemese 25%-nan kem bolmaytyn mólsherde mýlik týrinde jobanyng iske asyryluyna qatysuyn qamtamasyz etui tiyis;

5.Kepildik mólsheri kredit somasynyng 50% aspauy tiyis.

 

Qanday kәsiporyndar kredit boyynsha kepildik ala almaydy ?

Qazaqstan Respublik asy Ýkimetining 31.12.2008 j . № 1344 Qaulysyna sәikes monitoring jýrgizilui tiyis iri salyq tóleushiler Tizbesine engizilgen miyneraldy shiykizattardy óndeumen ainalysatyn metallurgy ya sektor y kәsiporyndarynyng Jobalaryna; aksizdeletin tauarlardy shygharudy kózdeytin Jobalargha; subsidiyalanatyn auylsharuashylyghy ónimderin óndeudi kózdeytin Jobalargha qarjy úiymdary beretin kreditterge kepildik berilmeydi.

 

Kreditke kepildik beru kezinde artyqshylyq kimderge beriledi?

Baghdarlamagha qatysu ýshin Kәsipker óz qyzmetin Baghdarlamada anyqtalghan ekonomika sektorlarynyng birinde jýzege asyruy tiyis. Jobalardy Aymaqtyq ýilestiru kenesi qarastyrghan kezde әrbir aimaq ýshin ekonomikanyng basym sektorlaryna jәne jergilikti damu baghdarlamalaryna sәikes, aimaq ýshin meylinshe manyzdy bolyp tabylatyn jobalargha artyqshylyq beriletin bolady.

 

Ishinara kepildik aludyng sharttary qanday?

Ishinara kepildik tek jana kreditterge ghana beriledi .

K redit ting nysanaly maqsaty – negizgi qor satyp alu jәne/nemese janghyrtu , sonyng ózinde kredit somasynyng 20% ainalym qarajatyn tolyqtyrugha jiberilui mýmkin .

 

Baghdarlamagha qatysushylar kimder?

Túraqtandyru jәne Daghdarysqa qarsy baghdarlamalar ayasynda ekinshi dengeydegi bankter arqyly memleketten qarjylyq qoldau alghan boryshker-Kәsipkerler ;

ekonomik anyng sektor larynda júmys istep jýrgen (ekonomikalyq qyzmet týrlerining jalpy synyptauyshyna sәikes ( odan әri – E QJS ) boryshker-Kәsipkerler Baghdarlamanyng qatysushylary bola alady.

M iyneral dyq shiykizat óndeushi metallurgy ya ónerkәsibining kәsiporyndary, sonymen qatar qarjy –ekonomikalyq ahualdary jәne kreditteri boyynsha tolyq aqparat beruge kelispeytin kәsiporyndar , sonday-aq qarjy-ekonomikalyq sauyqtyru josparyn óz kredito rlarymen kelispegen kәsipkerler jobagha qatysa almaydy . Ekinshi baghyttyng basty sharty qaryz alushy ózi kredit alghan bankpen nemese birneshe banktermen til tabysuy tiyis . Qazaqstan qarjygerler Qauymdastyghy janynan oryn alghan bereshek turaly tolyq aqparatty jәne qarjy - ekonomikalyq sauyqtyru josparyn tapsyratyn K reditor lar komiytet i qúrylady. Jospardy kreditor larmen keliskennen keyin boryshker - Kәsipkerding qújattary «Damu» Qoryna jiberiledi , onyng negizinde Qor EDSM - ge úsynylatyn úsynys әzirleydi , olar óz kezeginde úsynystar negizinde qújattardy ekinshi baghyt boyynsha «Biznesting jol kartasyna» kiretin boryshker - Kәsipkerlerding jobasyn irikteudi jýzege asyrushy Ekonomikany janghyrtu jónindegi Memlekettik komissy yanyng qarauyna jiberedi . Memlekettik qoldau kórsetu sharalaryn qabyldau jónindegi aqyrghy sheshimdi Ekonomikany janghyrtu jónindegi Memlekettik komissiya qabyldaydy .

(Jalghasy bar)

Abai.kz