банк санхүүгийн байгууллагуудын хөгжил

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#6 2004

, , , ., ., ., . 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 .

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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

, . 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%

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 . .

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, , 25-45 , , . 2. 25 25-34 35-44 45-54 55-64 65 43.1% 56.9%

2278 3003

945 1539 1526 910 277 84

17.9% 29.1% 28.9% 17.2% 5.2% 1.6%

691 1465 960 2162

13.1% 27.7% 18.2% 40.9%

1906 1088 1072 840 375

36.1% 20.6% 20.3% 15.9% 7.1%

0 0.0% 5281 100.0%

0 0.0% 5281 100.0%

3 0.1% 5281 100.0%

0 0.0% 5281 100.0%

1379 26.1% 790 15.0% 1410 26.7% 1697 32.1% 5 0.1% 5281 100.0%

2.4. , , , , I-VII . ; , , , ; . 38 8 , , . : 1. , 2. , 3. , , , 4. , 5. , 6. , , 7. , 8. ( , , , ..). 8 , , . I-VI- , , , , , 6

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, . (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

72.7 ( ) 3.2 . 18.6 . . . . 5

. 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%

2. - , . 600

500

400

300

200

100

0 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002

. - . 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%

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731 220 3099 -222 2877

23.6% 7.1% 100.0% -7.7%

869 174 9318 -4037 5281

9.3% 1.9% 100.0% -76.4%

-14.3% -5.2% 0.0% -68.7%

( , ) . , 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%

2.3% -13.6% 5.4% 4.1% 2.2% -0.5% 0.1% 0.0% -46.3%

, - . 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

. . - . - . . . - , . - . 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%

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%

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%

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%

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%

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%

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%

- 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

. - 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

, 8.1, 1.0 1.3 . 2001 2002 . 1990 , 1994 , 1998 (. 4). , , . . . 3.2. 9

" " 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

, , ( ) . . . 66.6 1.8 , 10.2 2.2 , 18.0 1.3 . 5.2 (2.2.). .2.2. 2002 1954354

68.3% 12.4% 19.3% 0.0% 100.0% 0.6%

551 2859 18 2877

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

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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%

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

, 70 . 3. , 4. ,

11

80 70 60

10% 9% 8% 7%

% 60 50 40 30 20 10 019 99 19 98 19 97 20 00 20 01 20 02

Inflation (year on year)

50 40 30 20

6% 5% 4% 3% 2%

Moving average (12 month)

10 01990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002

1% 0% ,

-10

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

, . , .2.5. 2002

2003 1574 29.8% 1599 30.3% 2100 39.8% 5273 100.0% 8 0.2% 5281

. ( ) . 29.8 , 30.3 , 39.8 . (2.5.).

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25.0 , 38.1 , 36.9 . , . . , . , 5.0, 13.9 , .

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