WEBVTT

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– Bu juda hayratlanarli.

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Men mana bu kichkina plastik kartani

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begona shahardagi bir notanishga ko'rsatsam,

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u menga kitob, oziq-ovqat,
yoki uyali telefon beradi,

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hattoki qarzga mashina ham beradi,

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men esa, qimmatga
tushsa ham, to'lovini

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cheksiz muddatga cho'zishim mumkin.

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Yaqinlargacha kredit
faqatgina boy va

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eng obro'lilarga berilardi.

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Qolgan barchamiz, agar
biz mahalliy sudxo'rdan,

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yoki bundan ham battari -
ota-onadan pul so'rab

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kamsitishga tayyor bo'lmasak,
naqd pul ishlatganmiz.

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Kutilmaganda bu kichik narsa
moliyani demokratlashtirvordi.

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Rahmat.

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[shiddatli musiqa]
Yoxan Norberg «Yangi va takomillashgan»

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Ikkinchi jahon urushidan keyin

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moliya yetakchilari kredit
berishni ommalashtirmoqchi bo'ldilar.

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Ajoyib fikr, lekin buni amalga oshirish
nihoyatda qiyin.

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Sotuvchilarnig ko'pi qabul qilmasa,

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odamlar foydalanmaydi, yoki

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ko'p odam foydalanmasa,

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sotuvchilar qabul qilmaydi.

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1958-yilda Amerika banki o'zining Kaliforniya
shtati Fresno shahridagi

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barcha mijozlariga kredit kartalar
jo'natishga qaror qiladi

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va bu boshqa banklarga ham
turtki bo'ladi.

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Oqibati halokatli edi.

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Jinoyatchilar pochta qutilaridan kartalarni
o'g'irlab firibgarlik qiladi,

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ko'plab iste'molchilar esa yangi kredit liniyalarini
boshqarishni uddala olmay,

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to'lovlaridan kechadi,
bu qarslarni esa banklar to'laydi.

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Ular millionlab zarar ko'radi,

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siyosatchilar esa yangi ahmoqona
kartalarni ta'qiqlamochi bo'ladi.

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Bu voqealar tartibsizlikni
keltirib chiqarish bilan birga

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kredit karta foydalanuvchilarning
kerakli sonini yaratadi.

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Yozuvchi Josef Nosera aytishicha,

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kredit karta sektori fahriylari Yovvoyi G'arb davri
zarur bo'lgan deb ishonishadi.

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Banklar bugungi kunda biz foydalanadigan

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xalqaro kreditlash tizimlarini ta'minlovchi

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keng tarmoqlarni qurish uchun

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xatolaridan saboq olishlari kerak edi.

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Kredit karta emitentlari esa
bank va kredit sohasida

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ikkinchi eng yuqori maosh
oluvchilarga aylandi,

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ya'ni ushbu qulay

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kartalar bilan birga

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yangi kasb-martaba paydo bo'ldi.

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Taraqqiyot silliq bo'lmaydi yoki
uni oldindan bilib bo'lmaydi.

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Taraqqiyotga sinov, xatolar, tajriba, ziddiyat,
fikr-mulohaza va moslashish

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va yo'l-yo'lakay uchraydigan
falokatlar orqali erishiladi.

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«Free to Choose Network» kanalidan boshqa

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ajoyib videolarni tomosha qiling,

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Yoxan Norberg bilan
«Yangi va Takomillashtirilgan»ning

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yangi epizodlarini tomosha qilish uchun

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kanalimizga obuna bo'lishni unutmang.