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УДК 33
Дурдиева М.,
Студентка Атаева О., Студентка Бабаниязов Д., Студент
Куввадов О.,
Студент
Туркменский государственный институт финансов ROLE OF BANKS IN ECONOMY OF TURKMENISTAN Key words:
national currency exchange rate, scientific and technological developments.
At the present stage of socioeconomic development, the credit institutions of the country play important role in achieving successfully the economy diversification, improving further the social security and living conditions of the population of the state, realizing fully and efficiently the national programs of comprehensive development. The strategic vectors of activities connected with the national monetary policy implementation include the achievement and maintenance of stability of the national currency exchange rate, the adequate financial support to the economy sectors, as well as the increase of the money turnover efficiency. The «Conception for Digital Economy Development in Turkmenistan in 2019-2025» in particular notes that today the national credit institutions possess rather impressive potential of the information communications. The big job is done to further improve the efficiency of the money turnover in our country, extend the range of use of the plastic cards, payment terminals and systems in mutual settlements, as well as to introduce the advanced technologies of non-cash payments and remote services based on positive international experience and the latest scientific and technological developments.
The steady development of all sectors of the national economy, including the bank system is ensured: technical and technological modernization of the bank sector is underway; the degree of accessibility of banking services for the population is increasing, the range of services in the field of non-cash payments is expanding, including the payments on basis of the mod- ern digital payment systems such as Internet banking, mobile banking and e-commerce networks. The sys- tem is permanently improved on the basis of the latest technological innovations, which provide for the active involvement and use of cellular telephone communication, payment terminals, local ATMs, as well as electronic payments and electronic money. The introduction of Internet banking services in the bank sector significantly increases the comfort of the environment for attracting temporarily free funds and deposits, financing investment projects, ensuring the efficiency, accuracy and reliability of various payments, increasing the number and quality of banking products, increasing their availability, strengthening the trust and attractiveness of credit institutions for the customers. The Internet banking and mobile banking systems ensure the accessibility of banking services in real time in almost any corner of the world: a client can get in- formation about the status and movement of the funds on his bank account, quickly and efficiently carry out any financial transaction from the range of services offered by the relevant bank. This level and quality of services allows save notably the time and money. In addition, the prompt online information about the status and movement of funds on the bank account allows you to effectively monitor, plan and manage your personal and family budget.
The State Commercial Bank of Turkmenistan «Turkmenistan» is also responsible for expanding the
financial services to the citizens in cases of purchase of the consumer goods. In this connection, the State Commercial Bank of Turkmenistan «Turkmenistan» suggests the small size credits in response to the ap- plication of a citizen by placing an amount beginning
from 40% up to threefold size of this citizen's salary amount to the overdraft bankcard issued to a client at certain maturity and other conditions for the purpose to provide the possibilities to the citizens to purchase the everyday products. This service allows crediting the account of a client within the established sizes based on the contract concluded with the bank, and namely transferring money to the client's account in case of insufficiency of money at moment of non-cash payment. Thus, when the money arrives at the client's account, the credit is repaid in the prescribed manner. It is also possible that after repayment of the cred- it within the maturity period, the new credit can be agreed without conclusion of a new contract. In addition, the State Commercial Bank of Turkmenistan «Turkmenistan» prepares for introduction the service «Application for a loan». In fact, this is the creation of an opportunity for individuals to apply for a loan to the bank's e-mail address via the Internet; the applications will be accepted virtually from the individuals wishing to obtain bank loans. No additional software is required in order the clients could place their own loan applications in the on- line format, and also there is no possibility of performing credit operations. In this context, it is important to ensure proper, competent activeness of reference links placed at official website of the bank, as well as to ensure the placement of loan applications received from customers and relevant information about them. Literature:
1. Gurbanguly Berdimuhamedov. «State Regulation of Socioeconomic Development of Turkmenistan» - study guide for higher education institutions, Part I. Ashgabat, Turkmen State Publishing Service, 2010
2. The law of Turkmenistan «On the Securities Market». 2014
3. Halov N. , Ovezov D. «The Securities Market» - study guide for higher education institutions. Ashgabat, Turkmen State Publishing Service, 2016
© flypgueBa M., ATaeBa O., Ba6aHMA30B fl., KyBBagoB O., 2023
УДК 33
Оразгелдиев И., студент Сапаргелдиев С., студент Оразов А., студент Каримов К., студент
Институт Инженерно-технических и транспортных коммуникаций Туркменистана ЦИФРОВАЯ ЭКОНОМИКА - ЭВОЛЮЦИЯ ИНФОРМАЦИОННЫХ ТЕХНОЛОГИЙ
Ключевые слова:
цифровая экономика, информационных технологий.
Усилиями нашего национального лидера в период процветания стабильного государства переход на цифровую систему успешно осуществляется во всех отраслях страны. Широкое использование информационно-коммуникационных технологий в стране создает условия для поэтапного перехода к цифровой экономике. В стране проводится важная работа по реализации поручений Президента Туркменистана по цифровизации нашей национальной экономики.
Как известно, по решению туркменского лидера успешно реализуется «Концепция развития
