банк санхүүгийн байгууллагуудын хөгжил

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<p> #6 2004 </p> <p> , , , ., ., ., . 1. , - , 2003 6- , (2002) . , , , , , . 10 (2) 623.4 ; 2.3 , 12 5.6 ; ( ) 430.0 ; 318.3 ; 33.8 ; 268.9 ; 208.7 . 2002 10 41.8 , 71.7 , 52.1 . : 1998 35.6 (Key indicators 2002, ADB); 2000 0.655, 173 113- (Human development report 2002, UNDP); 2002 - 3.9 , 1094.5 . , - 443.1 . ; - 5.7 ; - 15.2 ; 63.0 . (2002); 2002 848.2 . - 80.7 .</p> <p>1</p> <p> 2002 . . , , , - , . , . , , . 2. 2.1. , , , , , , , , , . , , , , , . 2.2. , 2003 6 4- 6 30- , -, , , , -, , , , , , , , , , . - , 2 , . 2.3. 5281 2404 45.5 . 15.1 , 6 , 5.9 , , , , 5.8 , , 5.7 -, , -, , 5.6 , , 4.5 . ( ) . 11 5 - 16 , . . 1- 2</p> <p> , . 1. , , - - 298 309 300 237 304 318 297 309 275 299 314 308 314 299 797 303 5281 % 5.6% 5.9% 5.7% 4.5% 5.8% 6.0% 5.6% 5.9% 5.2% 5.7% 5.9% 5.8% 5.9% 5.7% 15.1% 5.7% 100%</p> <p> 43.1 , 56.9 3.6 . 17.9 25- , 29.1 25-34, 28.9 35-44, 17.2 45-54, 5.2 55-64, 1.6 65- . 25-44 . 55-64 (1.8 ) 45-54 (1.6 ) . 13.1 , 27.7 , 18.2 , 40.9 . . (3.0 ), (2.2 ) (5.8 ) . 56.7 , 20.3 , 15.9 . . , (9.7) . 26.1 -, 15 , 26.7 , 32.1 . .</p> <p>3</p> <p> , , 25-45 , , . 2. 25 25-34 35-44 45-54 55-64 65 43.1% 56.9% </p> <p>2278 3003</p> <p>945 1539 1526 910 277 84</p> <p>17.9% 29.1% 28.9% 17.2% 5.2% 1.6%</p> <p>691 1465 960 2162</p> <p>13.1% 27.7% 18.2% 40.9%</p> <p>1906 1088 1072 840 375</p> <p>36.1% 20.6% 20.3% 15.9% 7.1%</p> <p>0 0.0% 5281 100.0%</p> <p>0 0.0% 5281 100.0%</p> <p>3 0.1% 5281 100.0%</p> <p>0 0.0% 5281 100.0%</p> <p>1379 26.1% 790 15.0% 1410 26.7% 1697 32.1% 5 0.1% 5281 100.0%</p> <p>2.4. , , , , I-VII . ; , , , ; . 38 8 , , . : 1. , 2. , 3. , , , 4. , 5. , 6. , , 7. , 8. ( , , , ..). 8 , , . I-VI- , , , , , 6</p> <p>4</p> <p> , . (VII) . 100 . 100 . 3. , . () , - , (), , , , , , , , , . , , , ( ) . . 3.1. (1.1.) " ?" 37.9 , 34.8 18.6 , 8.7 . 4.1 , 4.3 .1.1. 2002 2003 969 2001 33.8% 37.9% 4.1% 657 984 22.9% 18.6% -4.3% 1838 1026 35.7% 34.8% -0.9% 218 458 7.6% 8.7% 1.1% 2870 5281 100.0% 100.0% 0.0% 7 0 0.2% 0.0% -0.2% 2877 5281</p> <p> 72.7 ( ) 3.2 . 18.6 . . . . 5</p> <p> . 1- (- ) 1994 2003 . 9 1990 3.4 , 0.3 , 3.2 . 2002 - 3.9 2.8 . 1. - , 8% 6% 4% 2% 0% 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 -2% -4% -6% -8% -10% -12%</p> <p> 2. - , . 600</p> <p>500</p> <p>400</p> <p>300</p> <p>200</p> <p>100</p> <p>0 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002</p> <p> . - . 1995-2002 419.9 . , 2002 442.2 . ( 2.). 755 . . 1995 516.6 . 1996-1999 363.6 . . 2000 . " ?" (1.2.) 9318 . 29.7 , 25.1 , 20.8 , 13.1 , 9.3 , 1.9 .1.2. 2002 2003 1414 2339 45.6% 25.1% -20.5% - 1224 0.0% 13.1% 13.1% 734 1942 23.7% 20.8% -2.8% 2770 0.0% 29.7% 29.7%</p> <p>6</p> <p>731 220 3099 -222 2877</p> <p>23.6% 7.1% 100.0% -7.7%</p> <p>869 174 9318 -4037 5281</p> <p>9.3% 1.9% 100.0% -76.4%</p> <p>-14.3% -5.2% 0.0% -68.7%</p> <p> ( , ) . , 20.5 30 . , 14.3 13.1 . , , . , , , , , . . " ?" (1.3.) 19.7 , 12.1 , 24.5 , 19.9 , 12.2 , 8.9 , 2.7 .1.3. ? 2002 2003 , 666 1865 17.4% 985 1149 25.7% 733 2325 19.1% 608 1889 15.9% 383 1156 10.0% 358 841 9.3% 98 252 2.6% 3831 9477 100.0% -954 -4196 -33.2% 2877 5281 19.7% 12.1% 24.5% 19.9% 12.2% 8.9% 2.7% 100.0% -79.5%</p> <p>2.3% -13.6% 5.4% 4.1% 2.2% -0.5% 0.1% 0.0% -46.3%</p> <p> , - . 1995 2002 - : 34.9 , 19.8 , , 13.0 , 9.4 , 8.5 , 3.9 , 2.9 , , 2.6 , 1.7 , 1.5 , 1.2 , 1.6 ( 3.). 1996 - . 3.- - - 1996-1999 2002 . 7</p> <p> . . - . - . . . - , . - . 3. - , 1996 , , , , , , 2.4% 4.3% 0.3% 6.1% -13.8% 11.2% 4.0% 0.3% 4.4% 0.7% 2.6% 42.2% 5.7%</p> <p>19974.0% 4.3% 17.1% 5.6% -15.0% 5.8% 4.1% 17.0% 3.0% 0.4% -2.7% -26.7% -0.9%</p> <p>19983.5% 6.4% -3.1% 4.9% 3.2% 7.4% 6.8% -3.1% 1.4% 3.2% -1.1% -33.0% 4.3%</p> <p>19993.2% 4.2% 1.3% 3.2% -2.8% 6.1% 4.6% 1.2% 3.1% 4.6% 1.6% 39.9% 2.1%</p> <p>20001.1% -14.9% 26.1% 6.6% -3.3% 25.2% 3.2% 25.7% -0.1% 0.4% -14.6% 7.0% 17.5%</p> <p>20011.0% -18.5% 9.8% 9.6% 31.8% 14.9% 1.3% 8.0% 4.6% 3.5% 10.8% 22.4% 0.9%</p> <p>2002 2002 3.9% -10.5% 12.3% -6.8% 22.1% 17.1% 0.8% 12.3% 2.9% 4.0% 11.1% 7.8% 6.3% 2.7% -3.5% 9.1% 4.2% 3.2% 12.5% 3.5% 8.8% 2.8% 2.4% 1.1% 8.5% 5.1% 100.0% 34.9% 19.8% 13.0% 9.4% 8.5% 3.9% 2.9% 2.6% 1.7% 1.5% 1.2% 1.6%</p> <p> - 20 (- ) 8.9 0.5 . 1996 (9.1 ) . , - 13.0 1996 4.2 . 19.7 2.3 . 2002 (-6.8 ) . ( 3.). . () 12.1 13.6 . , 8</p> <p> . - 9.4 1996 2002 3.2 . 1997-1998 1999 , 1996 8.5 . 12.2 2.2 . . 19.9 4.1 . , . : , - 8.5 1996 12.5 , - 3.9 , 3.5 , , , - 2.9 8.8 . " " (1.4.) 44.8 , 5.2 , 42.2 , 7.8 .1.4. 2002 2003 1514 2365 52.9% 44.8% -8.1% 276 111 3.9% 5.2% 1.3% 1235 2226 43.2% 42.2% -1.0% 413 7.8% 7.8% 2860 5280 100.0% 100.0% 0.0% 17 1 0.6% 0.0% -0.6% 2877 5281</p> <p> , 8.1, 1.0 1.3 . 2001 2002 . 1990 , 1994 , 1998 (. 4). , , . . . 3.2. 9</p> <p>" " 21.4 10.8 , 22.3 3.5 , 54.4 5.4 . 1.9 (2.1.). (3.5 ) (5.4 ) . . 81.2 75.8 5.4 . 22.3 1998 35.6 (Key Indicator 2002, ADB) .2.1. 2002 2003 924 1130 32.2% 21.4% -10.8% 1179 539 18.8% 22.3% 3.5% 1406 2871 49.0% 54.4% 5.4% 100 0.0% 1.9% 1.9% 2869 5280 100.0% 100.0% 0.0% 8 1 0.3% 0.0% -0.3% 2877 5281</p> <p> , , ( ) . . . 66.6 1.8 , 10.2 2.2 , 18.0 1.3 . 5.2 (2.2.). .2.2. 2002 1954354</p> <p>68.3% 12.4% 19.3% 0.0% 100.0% 0.6%</p> <p>551 2859 18 2877</p> <p>2003 3515 66.6% -1.8% 539 10.2% -2.2% 949 18.0% -1.3% 276 5.2% 5.2% 5279 100.0% 0.0% 2 0.0% -0.6% 5281</p> <p>10</p> <p> 1998 35.6 ( 39.4 , 32.6 ) , 13.9 . , 35.0 (Gini coefficient) . . - 2000 9 " , " (PRGF) . . ( , , , , , ..) . " " 69.0 , 11.1 , 14.3 , 5.5 (2.3.). 2.7, 1.0, 1.8 . . - ( 3.) 1990 45.7 , 1994 74.9 2002 30.9 . 3- 1990 5.5 , 1994 8.7 3 3.4 . , .2.3. 2002 2048 346 459 2853 24 2877 71.8% 12.1% 16.1% 0.0% 100.0% 0.8%</p> <p>2003 3644 69.0% -2.7% 587 11.1% -1.0% 756 14.3% -1.8% 291 5.5% 5.5% 5278 100.0% 0.0% 3 0.1% -0.8% 5281</p> <p> , 70 . 3. , 4. , </p> <p>11</p> <p>80 70 60</p> <p>10% 9% 8% 7%</p> <p>% 60 50 40 30 20 10 019 99 19 98 19 97 20 00 20 01 20 02</p> <p>Inflation (year on year)</p> <p>50 40 30 20</p> <p>6% 5% 4% 3% 2%</p> <p>Moving average (12 month)</p> <p>10 01990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002</p> <p>1% 0% , </p> <p>-10</p> <p> 55.9 , 28.6 , 15.5 (2.4.). , 16.3 , 14.7 .2.4. 2002 2003 1133 2947 39.6% 55.9% 16.3% 1239 1508 43.3% 28.6% -14.7% 491 820 17.1% 15.5% -1.6% 2863 5275 100.0% 100.0% 0.0% 14 6 0.5% 0.1% -0.4% 2877 5281</p> <p> , . , .2.5. 2002 </p> <p>2003 1574 29.8% 1599 30.3% 2100 39.8% 5273 100.0% 8 0.2% 5281</p> <p> . ( ) . 29.8 , 30.3 , 39.8 . (2.5.).</p> <p>12</p> <p> 25.0 , 38.1 , 36.9 . , . . , . , 5.0, 13.9 , .</p> <p>2.6. ( ) 2002 2003 856 1315 -5.0% 29.9% 25.0% 1487 2007 -13.9% 52.0% 38.1% 516 1945 18.9% 18.0% 36.9% 2859 5267 0.0% 100.0% 100.0% 18 14 -0.4% 0.6% 0.3% 2877 5281</p> <p>3.3. , , , . , , . , . 1992 350.2 . , 2.0 . , 37.9 . 2002 848.2 . - 80.7 , 63.0 . - 6.2 , 87.4 . - 8.3 ( 5.6.). 18.6 , 44.2 , 7.8 (3.1.).3.1. 2002 2003 400 980 14.0% 18.6% 4.6% 1620 2331 56.5% 44.2% -12.4% 845 1965 29.5% 37.2% 7.8% 2865 5276 100.0% 100.0% 0.0%</p> <p>13</p> <p>12 2877</p> <p>0.4%</p> <p>5 5281</p> <p>0.1%</p> <p>-0.3%</p> <p> 12.4 , , 4.6, 7.8 . , , . 68.4 , 10.0 , 21.6 (3.2.). 2.3, 2.4 , 4.7 .3.2. 2002 2003 1890 3607 66.1% 68.4% 2.3% 218 529 7.6% 10.0% 2.4% 751 1138 26.3% 21.6% -4.7% 2859 5274 100.0% 100.0% 0.0% 18 7 0.6% 0.1% -0.5% 2877 5281</p> <p> . , , . 1992 2.0 . - 0.4 1997 25.0 . - 2.4 , 2002 77.8 . - 7.1 (.7). , , , , , , . 5. , . 120 16% 14% 100 12% 80 10% 60 8% 6% 40 4% 20 2% 01990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002</p> <p> 6. , .1200 120%</p> <p>1000</p> <p>100%</p> <p>800</p> <p>80%</p> <p>600</p> <p>60%</p> <p>400</p> <p>40%</p> <p>200</p> <p>20%</p> <p>0%</p> <p>0 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 , $ - </p> <p>0%</p> <p> , $</p> <p>- </p> <p> , . , , 14</p> <p> . , . 17.3 , 59.0 , 23.7 (3.3.). . , , , , , , , , 100 . 2002 780.8 - 71.3 , 92.1 . , , , , , , , .3.3. 2002 2003 914 3113 1249 5276 5 5281 7. , .90 80 70 60 50 4% 40 30 20 10 0 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 , $ - 3% 2% 1% 0% 150 100 50 0 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 - 10.0% 5.0% 0.0% 200 15.0% 8% 7% 6% 5%</p> <p> 17.3% 59.0% 23.7% 100.0% 0.1%</p> <p> 8. (), 400 350 300 250 20.0% 35.0% 30.0% 25.0%</p> <p>3.4. . . (4.1.). 66.0 1.5 , 23.3 2.6 , 10.8 4.0 . 73.3 22.0 , 4.7 (4.2.). 15</p> <p> 5.2 . 3.6, 1.6 .4.1. 2002 2003 1844 3483 64.5% 592 1229 20.7% 423 569 14.8% 2859 5281 100.0% 18 0 0.6% 2877 5281 66.0% 23.3% 10.8% 100.0% 0.0% 1.5% 2.6% -4.0% 0.0%</p> <p>-0.6%</p> <p> , , .4.2. 2002 2226 520 88 0 2834 43 2877 2003 3476 73.3% -5.2% 1042 22.0% 3.6% 221 4.7% 1.6% 0 0.0% 0.0% 4739 100.0% 0.0% 542 10.3% 8.8% 5281</p> <p>78.5% 18.3% 3.1% 0.0% 100.0% 1.5%</p> <p> 8- (- ) , 19941999 20 . 2000 , 2002 29.0 . , . , 67.7 . 12.9 , 19.3 (4.3.). 4.5 , , 3.7, 0.9 . .4.3. 2002 2003 2066 3576 72.3% 67.7% -4.5% 264 682 9.2% 12.9% 3.7% 528 1021 18.5% 19.3% 0.9%</p> <p>16</p> <p>2858 19 2877</p> <p>100.0% 0.7%</p> <p>5279 2 5281</p> <p>100.0% 0.0%</p> <p>0.0% -0.6%</p> <p> 45.4 , 24.7 , 29.9 (4.4.). . 2.9 , 2.4, 0.5 . , , .</p> <p>4.4. 2002 2003 1360 2393 48.3% 630 1303 22.4% 827 1574 29.4% 2817 5270 100.0% 60 11 2.1% 2877 5281</p> <p> 45.4% 24.7% 29.9% 100.0% 0.2% -2.9% 2.4% 0.5% 0.0% -1.9%</p> <p>3.5. 43.8 , 15.3 . 40.9 . , , , . . 40 . . , . , , (5.1.).5.1. ? 2002 2003 1849 2310 -24% 68.0% 43.8%</p> <p>17</p> <p>827 45 2721 156 2877</p> <p>30.4% 1.7% 100.0% 5.4%</p> <p>809 2155 5274 7 5281</p> <p>15.3% 40.9% 100.0% 0.1%</p> <p>-15% 39%</p> <p>2003 10 31- 17 , 84 . 50.3 , 34.2 , 8.0 (5.2.). 13.7 , 0.6 6.7 . 7.5 .</p> <p>5.2. 2002 2003 784 1803 27.5% 34.2% 6.7% 244 420 8.5% 8.0% -0.6% 1828 2657 64.0% 50.3% -13.7% 0 398 0.0% 7.5% 7.5% 2856 5278 100.0% 100.0% 21 3 0.7% 0.1% 2877 5281</p> <p> . - . . , 2004 4 . , , . . - . . . 40.8 13.3 , 42.4 22.8 , 7.8 . 9.0 (5.3.). . , .5.3. , </p> <p>18</p> <p>2002 781 1850 207 0 2838 39 2877</p> <p>27.5% 65.2% 7.3% 0.0% 100.0% 1.4%</p> <p>2003 2155 2237 411 477 5280 1 5281</p> <p> 40.8% 42.4% 7.8% 9.0% 100.0% 0.0% 13.3% -22.8% 0.5% 9.0% 0.0% -1.3%</p> <p> 41.8 35.4 , 11.1 , 11.7 (5.4.). 4.0, 8.9 . 5.5 , 7.4 . . , .5.4. 2002 2003 1309 2206 45.8% 41.8% -4.0% 571 588 20.0% 11.1% -8.9% 976 1868 34.2% 35.4% 1.2% 0 615 0.0% 11.7% 11.7% 2856 5277 100.0% 100.0% 21 4 0.7% 0.1% -0.7% 2877 5281</p> <p> , . , . 9. , 300 70% 80 70 60 50 40% 150 30% 100 20% 50 30 20 10 01991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002</p> <p> 10. , 60.0%</p> <p>250</p> <p>60%</p> <p>50.0%</p> <p>50% 200</p> <p>40.0%</p> <p>40</p> <p>30.0%</p> <p>20.0%</p> <p>10%</p> <p>10.0%</p> <p>01991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002</p> <p>0% 2- </p> <p>0.0% 2- </p> <p> 9- 1991 1997 1998 , 1999-2002 282.4 . 19</p> <p> 2001, 2002 ( 10.)....</p>