Хувьцаа эзэмшигчдээ хулхиддаг Хаан банкинд харилцагчид нь эргэлзэж эхэллээ

2009/01/08
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Хувьцаа эзэмшигчдээ хулхиддаг Хаан банкинд харилцагчид нь эргэлзэж эхэллээ

Монголчууд бид сvvлийн хэдэн cap банк санхvvгийн талаархи таагvй мэдээллvvдийн дунд умбаж байна. Гадаад валютын нөөц хомсдож, ам.долларын ханш галзуурч, өргөн хэрэглээний барааны vнэ тэнгэрт хадлаа. Банкуудын тухай таагvй мэдээллийн дунд нийслэл болоод орон нутагт хамгийн олон харилцагчтай гэх "Хаан" банкны нэр цөөнгvй бичигдэж байна. Бичигдээд зогсохгvй төр, засгийн удирдлагуудын анхааралд ч өртлөө. Тухайлбал, орон нутагт байдаг "Хаан" банкны салбарууд малчдад хэт өндөр хvvтэй зээл олгож, хугацаанд нь төлөөгvй бол Шvvхийн шийдвэр гарахыг хvлээхгvйгээр элдэв дарамт шахалт vзvvлэн малыг нь шууд хурааж авдаг. Малчдад хуваарилсан ямааны мөнгийг замаас нь "булаадаг" цалингийн зээл авсан иргэдийг зээлээ хурдан төл хэмээн өндөр хvvгээр дарамталдаг. Тус банкинд өргvй хvнийг хөдөөд хайгаад ч олохгvй, "Анод"-ын дараа доголдох дараагийн банк нь "Хаан" гээд л. Гэтэл энэ бvхнийг баталсан мэт өнгөрсөн мягмар гаригт Ерөнхий сайд С.Баяр тус банкны удирдлагуудыг хvлээн авч уулзан, малчдын авсан зээлийн өрөнд малыг нь хурааж авахгvй байхыг аминчлан хvсэв. Өөрч олон зvйл ярилцсан аж. Тэдний энэ уулзалтыг учир мэдэх нэг нь "Ерөнхий сайд тус банкны удирдлагуудыг зvгээр ч нэг хvлээн авч уулзаагvй.
Хэрэв уншигч та санаж байгаа бол "Анод"-ыг доголдохоос нэлээд хэд хоногийн өмнө Ерөнхийлөгч Н.Энхбаяр "ХААН" банкны гvйцэтгэх захирал П.Морроутай бас уулзаж байсан. Төрийн өндөрлөгvvдийн шил шилээ дарсан энэ уулзалтууд юу өгvvлээд байна вэ. Олны vг ортой гэдэг болох вий.

Тус банкны талаар зарим таагvй баримт бидэнд олдлоо. Энэ нь тус банк харилцагчид төдийгvй хувьцаа эзэмшигчдээ хохироодог ажээ. Vvнийг ч Монголбанкны удирдлагууд хvлээн зөвшөөрсөн байх юм. Бидэнд олдсон баримтаар тус банкийг хувьчлахаас өмнө буюу Хөдөө аж ахуйн банк (ХАА) нэртэй байхад нь өөрийн хөрөнгийг оруулж байсан арван мянга гаруй хувьцаа эзэмшигч өнөөдрийг хvртэл хохироод байгаа аж.
Эх сурвалжийн мэдээлж буйгаар энэ бvх зvйл цаанаа нарийн шалтгаантай бөгөөд ашиг сонирхлын зөрчилтэй олон хvн тус банкийг хvчээр дампууруулж, хувьчлах нэрээр хууль бусаар гадаадынханд өгсөн гэх. Энэ талаар өөр олон баримт өгvvлж байна. Энэ талаархи баримтыг тvр орхин ХААН банк арав мянга гаруй хувьцаа эзэмшигчээ хэрхэн хохироосон талаар ганц баримт дурдъя.

Хөвсгөл аймгийн Тосонцэнгэл сумын харъяат Г.Даваасvрэн нарын 33 иргэн 1997 оноос эхлэн ХАА-н банкны 603 дугаар салбарт хөрөнгө оруулж улмаар хувь нийлvvлэгч болжээ. Тэд эхэндээ нэг сая 458 мянган төгрөгийн хөрөнгө оруулалт хийсэн бөгөөд 1999 оны эхээр тус банкныхан тэдэнд ашиг өгч байсан аж. Тодруулбал, хадгаламжийн хvv нь 14.4 байхад 40 хувийн ашиг өгч байжээ. Харамсалтай нь, банкны vйл ажиллагаа доголдож, Монголбанк энэ тухай олон нийтэд мэдээлээгvйгээс хохироход хvрсэн аж.

Иймээс тэд хохирлоо Монголбанкаар барагдуулах нь зөв хэмээн vзэж 2006 оны аравдугаар сард Чингэлтэй дvvргийн шvvхэд ханджээ. Шvvх хурал ч болж, шийдвэр хувьцаа эзэмшигчдийн талд гарсан байна. Харин энэ шийдвэрийг тухайн vед Монголбанкны ерөнхийлөгч А.Батсvх эрс эсэргvvцсэн бөгөөд Нийслэлийн давж заалдах шатны шvvхэд гаргасан тайлбартаа "Энэхvv нэхэмжлэлээр өнөөдөр хэвийн vйл ажиллагаа явуулж байгаа ХААН банкны хувь нийлvvлэгчид болон тvvний дvрмийн санд нөлөөлөхvйц асуудлыг хэлэлцэж байна. Гэтэл шvvх ХААН банкийг яагаад гуравдагч этгээдээр татан оролцуулахгvй орхигдуулсан юм бэ. Vvнээс болж өөр байгууллагын эрх ашиг ноцтой зөрчигдөх нөхцөл бvрдэж байна" гэжээ.

Тvvний энэ vг хувьцаа эзэмшигчдийг хохирсонд ХААН банк буруутай, тэд хохирлыг нь төлөх ёстой гэсэн санаа тод байна. Энэ бол тус банкны хувьцаа эзэмшигч хэмээн нэрлэгдсэн Монгол Улсын өнцөг булан бvрт ажиллаж амьдарч байгаа арван мянга гаруй хvний нэгнийх нь жишээ энэ. Хохирсон өөр олон хvн бий. Одоо дахиад нэг банк доголдвол 'Анод"-ынх шиг иргэдийн хадгаламжийг өгөх мөнгө төрд байхгvй шvv гэсэн өндөр албаны хvмvvсийн анхааруулга бий. Ийм vед хөрөнгө оруулсан хувь эзэмшигчдээ хулхидаж байгаа ХААН банкинд хөндлөнгийн харилцагчид нь итгээд сууж болох уу. Тэгээд ч санхvvгийн хямралын энэ эмзэг vед шvv

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