Б.БАТБАЯР: МОНГОЛ НООЛУУРААР ДЭЛХИЙД ТЭРГҮҮЛЭХ ТОГЛОГЧ БОЛОХ СУУРИЙГ БЭХЖҮҮЛНЭ

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Монгол Улсын Хөгжлийн банкны санхүүжилтээр жил бүр гадагшаа экспортлож буй түүхий эдийн 90 хувийг бууруулж, авч үлдэж буй 10 хувиа өсгөхөөр энэ жилийн тухайд эргэлтийн хөрөнгийн дэмжлэгийг 19 компанид үзүүлээд байна. Энэ нь угаасан ноолуурын 25 хувийг дотооддоо авч үлдэн нэмүү өртөг шингэсэн бүтээгдэхүүн үйлдвэрлэхэд хүрэлцэхүйц санхүүжилт юм. Энэ талаар МУХБ-ны Гүйцэтгэх захирал Б.Батбаяртай ярилцлаа.

Засгийн газрын “Ноолуур хөтөлбөр”-ийг хэрэгжүүлэхэд Монгол Улсын Хөгжлийн банк ямар үүрэгтэй оролцож байна вэ? Хичнээн аж ахуйн нэгжид санхүүжилт олгоод байна вэ?

Манай улсад жилд дунджаар 9-10 мянга орчим тонн ноолуур бэлтгэгддэг. Энэ ноолуурыг дотоодын аж ахуйн нэгжүүд авч чадахгүй байгаад бид нар дүгнэлт хийгээд хүчин чадал нь байгаа аж ахуйн нэгжүүдэд 100 хувь түүхий эдийн нөөц бүрдүүлэх боломж олгосон. МУХБ-наас шууд санхүүжүүлсэн 5 аж ахуйн нэгж, арилжааны таван банкаар дамжуулаад 14, нийтдээ 19 аж ахуйн нэгжийг эргэлтийн хөрөнгийн санхүүжилтээр хангаад байна. Энэ нь манай улсад бэлтгэгдэж буй түүхий ноолуурын 25 хувийг дотооддоо авч үлдэн нэмүү өртөг шингэсэн бүтээгдэхүүн үйлдвэрлэхэд хүрэлцэхүйц санхүүжилт юм. Ноолуур хөтөлбөрийг хэрэгжүүлэхэд Монгол Улсын Хөгжлийн банк хоёр үүрэгтэй оролцож байна.

Нэгдүгээрт, зах зээл дэх ноолуурыг дотоодын ААН-үүд авах эргэлтийн хөрөнгийг үе шаттай шийдвэрлэх, хоёрдугаарт, эргэлтийн хөрөнгийг аль болох нэмүү өртөг шингэсэн бүтээгдэхүүн болгоход чиглэсэн технологийн хөрөнгө оруулалт руу чиглүүлэх, дэмжих юм. Технологийг таван үе шатаар ангилаад үзэх юм бол эхний хоёр үе шатийг бид 100 хувь хэрэгжүүлж чадаж байна. Энд хоёр зүйлийг анхаарах хэрэгтэй. Технологийн тогтолцоо бэлэн байх. Олон улсын зах зээл дээр гарахад зөвхөн хөрөнгө оруулалтаас хамааралгүйгээр бусад маркетинг, менежмент, ложистикийн зохион байгуулалт тогтсон байх. Эдгээр ажлууд дундаас урт хугацаанд хийгдэнэ. Хөтөлбөр хэрэгжих дөрвөн жилийн хугацаанд эргэлтийн хөрөнгөө бүрэн шийдүүлж дараагийн тогтолцоонд бэлэн болсон байх учиртай. Нэмүү өртөгийн тогтолцоонд 100 хувь дөхсөн байх юм. Мэдээж аж ахуйн нэгжүүдийн өөрийн чадавхи, менежментийн тогтолцоо гээд олон зүйлээс хамаарна гэдгийг бид нар ойлгож байгаа. Үүнийг хангаад ирсэн аж ахуйн нэгжүүдээ бүхий л талаар дэмжих бололцоотой.

Ноолуур хөтөлбөрийн санхүүжилтийг Хөгжлийн банк өөрийн хөрөнгөөр санхүүжүүлж байгаа юм байна. Тиймээс эргэлтийн хөрөнгийн зээлийг олгохдоо ямар шалгуур хангасан байхыг шаардаж байна вэ?

Ноолуур хөтөлбөрийн хүрээнд компаниудад бизнесийн тааламжтай, уян хатан нөхцлөөр зээл олгож байна. Тухайлбал самнасан ноолуур экспортлож байгаа бол 6-8 сар, эцсийн бүтээгдэхүүн экспортлож байгаа бол 2 жил, тоног төхөөрөмжийн шинэчлэл хийж байгаа компаниудад 5-10 жилийн хугацаатай зээл олгож байна. Эргэлтийн хөрөнгийн зээлийг ноолуурын самнах болон түүнээс дээш дамжлагын хүчин чадал суурилагдсан байгууллагад жилийн 12 хувийн хүүтэйгээр 8 сараас 2 хүртэл жилийн хугацаатай олгох боломжтой. Самнах үйлдвэрүүд энэ жилийн борлуулалтын орлогоосоо зээлээ эргэн төлсөн нөхцөлд 2019 онд дахин санхүүжүүлэх, самнахаас дээш ахисан түвшинд боловсруулж, бэлэн бүтээгдэхүүн үйлдвэрлэх байгууллагын хувьд зээлийн эргэн төлөлтийг 2019 оныг дуустал хүртэл хугацаанд, үйлдвэрлэлийн үе шатны онцлогтой нь нийцүүлэн шийдвэрлэн ажиллаж байна. Манай банкнаас зээл олгох санхүүжилт нь банкны шинэчилсэн хуульд заасанчилан тодорхой шалгуур шаардлагыг хангасан аж ахуйн нэгжид олгох журамтай.

Ноолуурын салбарт зөвхөн эргэлтийн хөрөнгийн санхүүжилт төдийгүй техник, технологийн шинэчлэлийг дэмжих хөрөнгө оруулалт хийснээр Монгол Улс дэлхийн хэмжээнд өрсөлдөхүйц ноолууран бүтээгдэхүүнээр олон улсын зах зээлийг хангах боломжтой гэж үзэж байна уу?

Манай улс одоогийн байдлаар Итали, Австрали, БНСУ, ОХУ гэх мэт 31 оронд ноолуур, ноолууран бүтээгдэхүүнээ экспортлож байна. Ингэхдээ ердөө 10 гаруй хувиар нь эцсийн бүтээгдэхүүн үйлдвэрлэж байна. Чамлалттай энэ үзүүлэлтийг жинтэй өсгөхийн тулд үйлдвэрлэлийн шатны хөрөнгө оруулалтыг нэмэгдүүлэхээр зорьж байна.

Энэ салбар өөрөө эцсийн бүтээгдэхүүн үйлдвэрлэх хүчин чадлаа 40, 50 цаашлаад 100 хувьд хүргэж чадаагүй шалтгаан нь эргэлтийн хөрөнгийн дэмжлэг тодорхой хэмжээгээр авч ирсэн хэдий ч дахин боловсруулалт хийх хүчин чадал нь 100 хувь хангагдаж чадахгүй байсанд байгаа юм. Технологийн таван шат болох угаах, савлах, ээрэх, сүлжих, нэхэх шатнаас зөвхөн хоёрыг нь хангаад экспортлоод байна. Энэ нөхцөл байдлыг засаж сайжруулахаар хөтөлбөрийг санхүүжүүлж байна.

Ноолууран хувцас, пальто үйлдвэрлэлээрээ дэлхийд тэргүүлэгч Мax Mara компани 2017 онд 40 мянган ширхэг пальто үйлдвэрлэсэн бол манай үндэсний үйлдвэрлэгч Говь ХК 41 мянган ширхэг пальто үйлдвэрлэжээ. Энэ бол монголын ноолууран бүтээгдэхүүн дэлхийн брэнд болоход улам бүр ойртож байгааг илтгэсэн нэгэн жишээ гэж ойлгож болох юм. Нийт ноолуурынхаа 10 гаруй хувиар ийм амжилт авчирч байгаа нь энэ салбарт ямар их нөөц бололцоо эргэлдэж байгааг харуулж байна.

Хөтөлбөр хэрэгжсэнээр Монгол Улсын эдийн засагт ямар үр дүн авчирах вэ?

Сүүлийн хэдэн жил та бүхэн анзаарсан бол түүхий ноолуурын үнэ харьцангуй бага байсан. Ноолуур хөтөлбөр хэрэгжсэнээр дундаж үнэ өссөн. Энэ нь хоёр талтай. Нэгдүгээрт малчдын гар дээр очиж байгаа бэлэн мөнгөний хэмжээ нэмэгдэж улмаар улсын эдийн засагт эргэлтэнд орно. Түүхийгээр экспортолж байгаа 90 хувийн тухайд ярьж байна. Үлдсэн 10 хувийн тухайд үндэсний үйлдвэрлэгч болон экспортлогчдийн хувьд түүхий эд нь өндөр үнэтэй болохоор олон улсын зах зээл дээр өрсөлдөх чадвартай болохын тулд үр ашгаа нэмэгдүүлэх, хоёрдугаарт үйлдвэрлэлийн ажиллагааны зардлыг оновчтой болгосноор өөрийн ашгаа тодорхой хэмжээнд барих бололцоотой болно.

Тэгэхээр энэ нь өөрөө зайлшгүй технологийн шатны шинэчлэл, хөрөнгө оруулалтаа нэмэгдүүлэхийг шаардаж байна. Эцсийн дүндээ технологийн шинэчлэлт хийхэд хүргэн аль аль талдаа эерэг үр дүнг бий болгож гадагшаа гаргаж байгаа түүхий эд, бүтээгдэхүүнээс олж байгаа орлогоо системтэйгээр нэмэгдүүлэх тэр тогтолцоог бүрдүүлж байгаагаар давуу талтай.

Технологийн хөрөнгө оруулалт хийх шаардлагатай аж ахуйн нэгжид үндсэн хөрөнгийн хөрөнгө оруулалт хийж байна. Энэ ажил үе шаттайгаар явагдана. Зөвхөн угааж самнахаас гадна ээрэх, сүлжих технологио сайжруулж байгаа аж ахуйн нэгж манайд хандаад санхүүжилт аваад явж байна. Богино, дунд, урт хугацаагаар хийгдэх ажил учраас энэ хүчин чадал нь өөрөө бий болж байж эргэлтийн хөрөнгөө 100 хувь дотооддоо шингээх нэмүү өртөг шингэсэн бүтээгдэхүүн үйлдвэрлэх бололцоо бүрдэнэ. Тэгэхээр энэ нь хэд хэдэн үе шаттай хийгдэж байгаа ажлын эхний үе шат гэж ойлгож болох юм.

Ноолуур хөтөлбөр амжилттай хэрэгжсэнээр тус салбарын 5000 гаруй ажлын байрыг хэвээр хадгалж, 3600 гаруй ажлын байр шинээр бий болгож, эцсийн бүтээгдэхүүн үйлдвэрлэлийн экспортыг 5.7 дахин өсгөх зорилтыг хэрэгжүүлэхээр Монгол Улсын Хөгжлийн банк ажиллаж байна. “Ноолуур” хөтөлбөрийн хүрээнд дотоодын аж ахуйн нэгжүүдийг 200 тэрбум төгрөгийн эргэлтийн хөрөнгөөр дэмжжээ. Энэ нь манай улсад бэлтгэгдэж буй ноолуурын 25 хувийг худалдаж авах хэмжээний хөрөнгө юм.

“Ноолуур” хөтөлбөрийн талаар ХХААХҮЯ, үндэсний үйлдвэрлэгчид дараах байр суурийг илэрхийллээ:

Б.БАТЗОРИГ (Хүнс, хөдөө аж ахуй, хөнгөн үйлдвэрийн сайд):

Манай улс 27 сая ямаатай, жилдээ 9500 тонн ноолуур самнаж бэлтгэдэг. Энэ нь дэлхийн ноолуурын зах зээлийн 45 хувийг дангаараа бүрдүүлж буй юм. Бид эцсийн бүтээгдэхүүнээ чанартай, загвар хийцийн хувьд өндөр түвшинд үйлдвэрлээд зөв бодлого зохицуулалт хийгээд явбал дэлхийд Монгол ноолуур хэмээх брэнд бүтээгдэхүүнээрээ гайхагдсан ноолуурын номер нэг тоглогч болох боломж бий гэдэгтээ бид санал нэгтэй байгаа.

Манай улсын хувьд 9500 тонн ноолуурыг угааж, самнаад хоёрдмол сүлжмэл бүтээгдэхүүн үйлдвэрлээд гаргах юм бол жилдээ 740 сая ам.доллар зөвхөн ноолуураас олох боломжтой.

Түүхий эддээ хамгийн ойр буюу 66 сая гаруй малын 40 гаруй хувь нь ямаан сүрэг байгаа нь бидний том давуу тал. Харамсалтай нь нийт ноолуурын 90 орчим хувийг түүхийгээр зөвхөн угааж боловсруулаад гаргаж байна. Энэ нь манай салбарын гол зорилго биш. Бидний зорилго бол эцсийн бүтээгдэхүүн үйлдвэрлэх. Бид угааж байгаа бол самная, самнаж байгаа бол оёдог сүлждэг болъё, сүлжмэл бүтээгдэхүүн үйлдвэрлэе гээд зорьж байна. Төр бодлогоор болоод санхүүжилтээр дэмжээд эхэлчихсэн.

Аж ахуйн нэгжүүд дотооддоо хоорондоо уралдаад явах биш дотроо Говь, Гоёо брэндүүд байж болох ч нэгдсэн нэг бодлогоор Монгол гэсэн нэрийн дор, Монгол ноолуур брэндийг дэлхийн зах зээлд таниулахад, хүлээн зөвшөөрүүлэхэд бүгд хамтрах учиртай. Төрийн тууштай бодлого дэмжлэг ч чухал юм.

Зарим компаниуд тодорхой зорилтууд тавьж байна. Жишээлбэл үндэсний томоохон үйлдвэрлэгч болох Говь, Гоёо хоёр нэгдсэн. Энэ 2 үйлдвэр нийлээд жилд нэг сая пальто, сая пиджак үйлдвэрлэнэ гэсэн зорилтыг Засгийн газар дэмжиж ажиллах юм. Үр дүнд нь ажлын байр нэмэгдэнэ. Тогтвортой ажлын байр, тогтвортой үйлдвэрлэл, тогтвортой орлого, тогтвортой хөгжилд хөтөлнө. Ажлын байр нэмэгдэхийн хэрээр олон мянган хүн ажилтай, орлоготой болж тэр хэрээр Монгол гэр бүлийн амьдрал сайжирна. Угаагаад гаргаж байгаа компаниудад дэмжлэг очихгүй байгаа. Угаахаас дээш самнаад, сүлжээд ээрэх компаниуд, аж ахуйн нэгжүүдэд дэмжлэг үзүүлж байгаа юм. Хөтөлбөрийн гол зорилго бол нэмүү өртөг шингэсэн эцсийн бүтээгдэхүүн үйлдвэрлэж, ажлын байр нэмэгдүүлж, экспортын орлогоо өсгөхөд чиглэж байгаа юм.

Ноолуур хөтөлбөрийн гурваас тавдугаар шатлалын хүрээнд одоо байгаа 25 хувийн хүчин чадлыг 2020 онд 40-60 хувьд хүргэх зорилтыг салбарын яам тавьсан байна. Үүний тулд дотоод хөрөнгө оруулалтаас гадна гадны хөрөнгө оруулалтад түшиглэх юм.

Герман улсаас манай улсын Хөгжлийн банкны охин компани болох Ди Би Эм лизинг ХХК-тай хамтраад 2.5-4.5 хувийн хүүтэй техник тоног төхөөрөмжийн зээлийг олгохоор судалж байгаа. Дотоодын эх үүсвэрээр эргэлтийн хөрөнгөө шийдчихээд гадны эх үүсвэрээр техник төхөөрөмжөө шинэчлэх боломжийг бүрдүүлж байгаа юм. Ноолуур хөтөлбөрийн үр дүнд ажлын байр тогтвортой хадгалагдна. Аж ахуйн нэгжүүд санхүүгийн хувьд бэхжинэ. Улсын төсөвт төлөгдөх татвар нэмэгдэнэ. Гаднаас орж ирэх валютын урсгал сайжирна.

Ч.ГАНЦЭЦЭГ (“ХАНБОГД КАШЕМИР” ХХК-ийн Ерөнхий захирал)

-Ноолуур нь үнэтэй түүхий эд учраас бид бүхэн маш хариуцлагатай хандах ёстой. Нэг контейнер ноолуур сая долларын үнэтэй. Сая доллар нь 2.5 тэрбум төгрөг. Ноолуурын үнэ жил бүр өсч байгаатай холбогдуулан төрөөс санхүүжилтийн дэмжлэг үзүүлэхгүй бол энэ салбар маш хүнд байдалд байсан. Хугацаа богино, өндөр хүүтэй банкны зээлтэй учраас зоригтой, дорвитой өөрчлөлтийг хийж чаддаггүй байсан. Харин энэ удаад төрөөс санхүүжилтийн таатай нөхцлөөр дэмжлэг үзүүлж байгаа учраас тоног төхөөрөмжөө автоматжуулаад гарах гарц, чанар гээд бүх л зүйлд ахиц өөрчлөлт авчирна гэдэгт итгэлтэй байна. Бид ч үйлдвэрлэлээ ийм өөдрөгөөр төлөвлөж байгаа. Экспорт, чанараа нэмэгдүүлнэ. 2019 онд нийт ажилчдынхаа цалинг тодорхой хувиар нэмэгдүүлэх төлөвлөгөөтэй ажиллаж байна. Салбарын ажилтны дийлэнх нь эмэгтэйчүүд байдаг. Тэд маань цалингаа юунд зарцуулдаг вэ гээд судлахаар дийлэнхдээ хүүхдийнхээ сургалт, ахуй амьдралдаа зарцуулж байна. Энэ ч утгаараа олон айл өрхийн амжиргааг нуруундаа үүрч яваа салбар гэхэд хилсдэхгүй болов уу. Иймд дэмжих нь үнэхээр зөв зүйтэй зүйл юм.

Б.БАРХАСБАДЬ (“СОР КАШЕМИР” ХХК-ийн Гүйцэтгэх захирал)

-Зөвхөн хавар зуны цагт түүхий эд гармагц л авахгүй бол өвлийн цагт мөнгөө бариад явсан ч түүхий эд олдохгүй. Ийм учраас жилийнхээ бүх түүхий эдийн нөөцийг зөвхөн хаврын цагт л цуглуулж авдаг. Энэ тохиолдолд компаниудаас санхүүгийн өндөр чадавхи шаарддаг. Өрсөлдөөн маш их. Бид нар Хятадын хүүгүй зээлтэй компаниудтай өрсөлдөж байна. Хятадын Европт экспортлож байгаа компаниуд бүгд хүүгүй зээлтэй. Экспортод бүтээгдэхүүнээ гаргахдаа улсаасаа 17 хувийн татаас авдаг.

Ноолуур хөтөлбөрт хамрагдаад Хөгжлийн банкнаас зээл аваад үйлдвэрлэл эрхэлж байгаа нь жирийн ажилтан, сүлжмэлийн үйлдвэрийн оёдолчинд хүртэл өгөөжөө өгч байна. Тухайлбал манай компанийг жилийн дөрвөн улиралд тасралтгүй үйл ажиллагаа явуулах нөхцөл бололцоогоор хангаж өгч байна. Зарим үйлдвэрүүд 10-11 сар гээд түүхий эд нь дуусаад зогсчихдог. Хөтөлбөрийн санхүүжилтийн үр дүнд бидний хувьд цагаан сарын дараа ирэх жилийн түүхий эдтэйгээ золготол ямартай ч ажлаар тасалдахгүй байх боломж бүрдлээ.

Н.ЖАМЦБАЛ “ХАТАНТ ИНТЕРНЭШНЛ” ХХК-ийн санхүүгийн албаны дарга:

-Ноолуур үнэтэй бүтээгдэхүүн учраас улс даяар жилдээ гардаг түүхий эдийн ихэнх хувь буюу 80-90 хувийг БНХАУ-ын төлөөлөгч нар хүрч ирж худалдан авдаг байсан. Монголчууд үүнийг нийлүүлэгч маягаар бэлтгэн нийлүүлж ажилладаг байсан. Үүний гол шатгаан нь мөнгөн урсгалын дутагдлаас болдог. Тэгэхээр энэ хөтөлбөр хэрэгжиж эхэлснээрээ малчидад эерэгээр нөлөөлнө. Бид нар мөнгөтэй болоод ирэхээр малчдын ноолуурыг зах зээлийн үнээр худалдан авах боломж бүрдэнэ. Хятадууд аль болох хямд өртөгөөр л авахыг боддог.

Аливаа зүйл сууриасаа эхлээд хөгждөг. Үүнтэй адил эхний шат буюу угаах дараа нь самнах, ээрэх, сүлжих гээд явж байгаа. Сууриас нь эхлээд сайтар хөгжүүлэх нь алсдаа дэлхийн зах зээлд жинхэнэ эцсийн бүтээгдэхүүн бэлэн хувцас бусад хэрэглэлээр өрсөлдөх боломжийг бүрдүүлэх юм.

Мөнгөн хөрөнгийн дутагдалтай хавар бүр нүүр тулдаг ноолуурын дотоодын компаниуд арилжааны банкны богино хугацаатай, өндөр хүүтэй зээл авах аль эсвэл малчдаас ноолуурыг нь зээлэх зарчмаар худалдан авч, үйлдвэрлэлээ явуулдаг байдлыг ноолуур хөтөлбөр ийнхүү халж байгаа нь араасаа эерэг үр дүн дагуулж эхлээд байна.

Б.Номуун

Эх сурвалж: “Өнөөдөр” сонин

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