«Сыбаға» бағдарламасы: 1 млн. несие алуға 2 млн. теңге кепіл қойды

2 163 рет оқылды, 130 пікір жазылды, 10 10 2017 14:09

Қазақ халқының ертеден мал шаруашылығымен айналысып, бұл саланы атакәсіп санағаны тарихтан белгілі. Мемлекет те бүгінгі күнге дейін халық өмірінде өзінің маңыздылығын жоғалтпаған ауыл шаруашылығына қолдау көрсетуді бір сәтке естен шығарған жоқ. Бүгінде мал шаруашылығымен айналысып, кәсібін дөңгелетіп отырған шаруалар «Сыбаға» деп аталатын мемлекеттік бағдарламаның көмегіне жүгінуде. Десек те, бірнеше жыл бұрын қолға алынған аталмыш бағдарламаның игілігін көргендермен қатар әбігерге түскен жандар да аз емес. «Сыбаға» бағдарламасының бүгінгі жұмысы қандай, шаруалардың көңілі бұл бағдарламаға неге толмай жүр? Осы сауалдарды біз де саралап, өз ойымызды ортаға салғанды жөн көрдік. Бұл турал Қамшы порталы Түркістанға сілтеме жасай отырып хабарлайды.

Шаруаны шын қуантқан бағдарлама

Мемлекет тарапынан ауылшаруа­шы­­лығын қолдауға арналған, қаржы­лай көмек беретін жобалардың бірі – «Сыбаға» бағдарламасы. Елбасы Нұрсұлтан Назарбаев 2011 жылдың қаңтарындағы халыққа арнаған Жолдауында: «Аграрлық секторда етті мал шаруашылығын дамытуға арналған теңдессіз жоба іске асырылады. Мемлекет бұл мақсатқа 130 миллиард теңге несие қаражатын бөледі», – деп мәлімдеді. Осы орайда, етті бағыттағы мүйізді ірі қара малының экспорттық әлеуетін дамыту мақсатында «Сыбаға» бағдарламасы қабылданды. Бағдарлама ауылда мал өсіріп, оның басын көбейтуге ниет еткен халыққа зор мүмкіндік берді. Бұл бағдарлама шаруашылықтардағы, жеке мал иелеріндегі жергілікті мал­дың тұқымын ет бағытында асыл­дан­дыру арқылы мүйізді ірі қараның ет өнімділігін арттырып, еттің өзіндік құнын арзандатуды, мал басын өсіріп, мал шаруашылығы саласында қосымша жұмыс орындарын ашуды көздейді.

Мемлекеттік бағдарлама аясында мал шаруашылығымен айналысатын ағайынға кәсібін кеңейту мақсатында несие беріледі. «Сыбаға» бағдарламасы бойынша берілетін несиенің үстеме пайызы төмен, қайтару мерзімі ұзақ. Шаруашылықтарға бағдарлама бойынша несие берумен қаржы институттары, яғни, «ҚазАгро» ұлттық басқару холдингі» АҚ-ның еншілес ұйымдары, «Ауыл шаруашылығын қаржылай қолдау қоры» АҚ, «Аграрлық несие корпорациясы» АҚ айналысады. Мысалы, «Ауыл шаруашылығын қолдау қоры» АҚ-ның шарттарына сәйкес, ең жоғарғы несие көлемі 18 миллион теңге болып бекітілген. Ал қарызды қайтарудың ең ұзақ мерзімі – 84 ай, сондай-ақ, 12 айдан 24 айға дейін жеңілдетілген кезеңімен беріледі. Айта кетейік, аталмыш несиені тек мал шаруашылығымен айналысатын, оның ішінде етті бағыттағы ірі қара өсіруші жеке кәсіпкерлерге, шаруа қожалықтарына, фермерлік шаруашылықтарға, жеке шектеулі серіктестіктерге беріледі. Бағдарламаның шарты бойынша, мемлекеттен несие ретінде берілген қаржы етті бағыттағы сиырлар мен аталық бұқалар алуға жұмсалуы қажет.

Несиелендіретін қаржы институт­тары несие алушының жеткілікті кепіл­дік базасының және өзге кіріс көзде­рінің болуын талап етеді. Кепілдік мүлік ретінде ауылдық жерлердегі құжат­тары заңды тіркеуден өткен, жағ­дайы қанағаттанарлық барлық құрылыс нысандары, автотехникалар қабылданады. Бірақ қойылған кепілдік мүліктің құны алынған несиенің 130 пайызын жабуға жеткілікті болуы қажет. Ал несие алуға ниетті азаматтан төлем қабілеттілігі, қаржылық тұрақтылығы, салыққа, бюджетке, өзге де міндетті төлемдер бойынша соңғы 3 айда қарызының болмауы, малды өсіруге қажетті инфрақұрылым, қора-жайы, суат көзі, мал жайылымы, қорасында бұрыннан бағып, өсіріп отырған малының болуы талап етіледі. Мал басы, қора-жайы, жайылымы жоқ, жаңадан құрылған шаруа қожалықтарына «Сыбаға» бағдарламасы арқылы несие берілмейді. Әуелде бағдарлама бойынша тек ірі қара ғана сатып алу қарастырылған. Сондықтан, несие алушыға тек ет бағытындағы ірі қара сатып алуы қажеттігі жөнінде талап қойылады. Ал өзге малдарды сатып алу бұл бағдарлама шеңберіне кірмейді. «Сыбаға» бағдарламасы бойынша несие алушылар ірі қара мал аналықтарын тауарлы мал ретінде, ал бұқаны асыл тұқымды мал ретінде сатып алуы қажет. Бұл – бағдарламаның негізгі шарттарының бірі.

Бағдарлама алғаш жүзеге асырыл­ған 2011 жылы «Сыбаға» бойынша 55 600 аналық ірі қара мал сатып алын­ды. Осының нәтижесінде 47 фермерлік шаруашылық құрылып, 50-ге жуық шаруашылық етті мал шаруашылығымен айналыса бастады. Шаруалар бағдарламаның игілігін көре бастағандықтан, Үкімет аталмыш бағдарламаны әрі қарай жетілдіруді қолға алды. Сөйтіп, 2012 жылы ҚР Ауыл шаруашылығы министрлігі «Сыбаға» бағдарламасы бойынша сатып алынатын мал басын 3-4 есе арттыру туралы жоспар әзірледі. «Сыбаға» бағдарламасы бойынша көрсеткішті арттыратын боламыз. Қазір жем-шөп қорын даярлауда бірқатар қиындықтар кездесуде. Жеке қосалқы шаруашылықтардағы мал басы саны қысқаруы мүмкін деген қауіп бар. Бұған жол бермей, фермерлік шаруашылықтардың малды сатып алып, оны одан әрі өсіріп, санын арттыруы үшін біз қаржыландыру көлемін ұлғайтамыз», – деген ол кезде Ауыл шаруашылығы министрі Асылжан Мамытбеков.

Ал 2013 жылы ірі қара мал еті­нің экспорттық әлеуетін артты­ру­ға бағыт­талған «Сыбаға» бағдарла­ма­сының жаңа бағытын іске қосудың алға­шқы қадамдары жасалды. Жаңа бағыт бойынша, қой және жылқы шаруашылықтарына қолдау көрсету қарастырылған. Осылайша, қой ша­руа­шы­лығында мал тұқымын асылдан­дырғаны үшін субсидия беруді жос­парлады. Ауыл шаруашылығы министрлігі осы саланы дамыту мақсатында бірнеше мақсатты жобалар да әзірледі. Оның әрқайсысы тауарлы өндіріс әлеуетін арттыруға бағытталған. Жоспар бойынша, бірінші кезекке төрт түліктің генетикалық және экспорттық әлеуетін арттыру, ветеринариялық жағдайды жақсарту міндеті қойылды.

ҚР Ауыл шаруашылығы министрлігінің жоспарына сәйкес, 2014 жылы 50 мың бас ірі қара мал сатып алу жоспарланғанымен, ауыл шаруашылығы тауар өндірушілері өткен жылы «Аграрлық несие корпорациясы» АҚ қаржысына 53 мың 800 бастан астам ірі қара мал сатып алды. Бүгінде аталмыш бағдарлама Алматы, Қарағанды, Оңтүстік Қазақстан, Шығыс Қазақстан, Батыс Қазақстан, Қостанай облыстарында белсенді түрде жүзеге асырылуда. Айта кетейік, 2012 жылдан бастап «Сыбаға» бағдарламасы бойынша қаржыландыру несие серіктестіктері арқылы жүзеге аса бастады. Өткен жылы несие серіктестерінің қатысушыларына 2 миллиард теңгеден астам қаржы бөлініп, оған 10 мыңнан аса ірі қара мал сатып алынған екен. Ал «Аграрлық несие корпорациясы» АҚ «Сыбаға» бағдарламасы іске қосылғаннан бері 27,8 миллиард теңгеге 1972 жобаны қаржыландырды. Оған 147 мыңнан астам ірі қара сатып алыныпты.

Сонымен қатар, Президент 2016 жылы ірі қара мал етін экспорттауды 2016 жылы 60 мың тоннаға жеткізу туралы тапсырма берген. «2016 жылға қарай ірі қара мал еті экспортының көлемін 60 мың тоннаға жеткізу жүктелген болатын. Бұл жұмыс тиісті деңгейде шешілмей отыр. Осы үшін біз шетелден мал басын көптеп сатып алдық, фермалар, бордақылау алаңдарын құрдық», – деді Нұрсұлтан Назарбаев. Алайда халық қалаулылары бүгінгідей қарқынмен мұндай межеге жетудің қиын екенін ескертті. Осыған орай, өткен жылы Мәжіліс депутаты Тұрсынбек Өмірзақов қазіргі жағдай бойынша етпен ішкі сұраныстың өзін толық қамтамасыз ету мүмкін болмай тұрғандығын айтып, Премьер-министрдің атына депутаттық сауал жолдаған еді. Депутаттың айтуынша, сырттан келетін ет соңғы бес жыл ішінде 10 есеге артып, 23 мың тоннадан 240 мың тоннаға жетіпті. Соның өзінде ел тұрғындары етпен толық қамтылмаған. «Мұндай жағдайда Президенттің тапсырмасын қалай орындамақпыз?», – деді депутат.

«Сыбағадан» сыбаға бұйырмағандар

Ет экспорты бағытындағы жұмыстарды жүйелеуге арналған «Сыбаға» бағдарламасы қарапайым еңбек адамы үшін негізгі тірліктің көзіне айналғаны рас. Алайда аталмыш бағдарламаның ақсап тұрғанын айтатын шаруалар да табылуда. Бұған айғақты алыстан іздеп те әуре болмадық. Таяуда ғана ҚР Парламенті Мәжілісінің депутаты Нұрлан Жазылбеков арнайы барып, Алматы облысы, Еңбекшіқазақ ауданындағы шаруа қожалықтарының жұмы­сымен танысқан болатын. Кезде­суде Мәжіліс депутаты жиналған көп­ші­ліктің көкейінде жүрген «Сыбаға» мем­лекеттік бағдарламасына қатысты сауалдарға жауап беруге тырысып бақты. Қазіргі уақытта Еңбекшіқазақ ауданында «Сыбаға» бағдарламасы арқылы мемлекеттен несие алып, ісін дөңгелеткісі келетін шаруалар қатары көбейіп келеді. Бірақ оларға аталған мемлекеттік бағдарламаның тиімді шарттарын пайдаланып, мал басын арттыру оңайға соқпай отырған көрінеді. Шаруалардың айтуынша, бағдарлама бойынша 1 миллион теңге несие алу үшін банкке құны 2 миллион теңгеге жуық кепілзат қою керек екен. Алайда мұндай мүлік кәсібін ұлғайтуға тырысқан шаруалардың қолында жоқ. Ауылда орналасқан кейбір үйлердің бағасы тіпті, 200 мың теңгеден аспайды. Осындай кедергілерге тап болған шаруалар «әуелде көпшілікке үміт отын сыйлаған «Сыбаға» бағдарламасы атына заты сай болмай тұр» деп отыр. Еңбекшіқазақ ауданындағы шаруа қожалық басшылары төрт түлікті көбейтемін деушілерге несие беру шарттары қайта қаралса, облыста мал басы үш есеге артатындығын алға тартуда. Шаруалардың мұңын тыңдаған халық қалаулысы Нұрлан Жазылбеков: «Бұл мәселе Парламентте жиі көтеріліп жүр. Депутаттық сауалдар және басқа да үндеулер арқылы осы іспеттес сұрақтар қойылады. Сондықтан, шаруа қожалықтарының көтерген бұл мәселесі қалайда шешімін табады. Осындай қателіктерді түзету, заңға өзгерістер енгізу жоспарда бар», – деп сендірді шаруаларды.

«Сыбаға» бағдарламасының шикілігін қостанайлық шаруалар да сезінуде. Ауыл шаруашылығын дамыту мақсатында қабылданған бағдарлама бойынша бөлінген қаржы шалғай елді мекендерге жетпей жатыр деп шағымданады мұндағы шаруалар. Қостанай облысында төмен пайыздық несиеге қол жеткізе алмай, сабылып жүрген шаруалар бүгінгі күні де көп. Мәселен, облыста мал шаруашылығымен айналысатын шаруашылық қожайыны Ерболат Ермешеков «Сыбаға» бағдарламасы туралы ести салысымен, несие алу үшін құжаттарын жинаған. Кепілдік ретінде қолда бар жері, көлігі, үйін қоюдан да тайсалмаған екен. Алайда шаруаның қойған кепілі жеткіліксіз болып, жергілікті әкімдік оны кері қайтарыпты. «Банктен несие алу үшін белгіленген қаржыдан 70 пайызға артық кепілзат қою керек. Әсіресе, шалғай аймақтарға қойылған шарт осындай. Ол жақтағы үйлердің бәрі ескі, бағасы арзан», – дейді Қостанай облыстық Ауыл шаруашылығы басқармасы басшысының орынбасары Орал Нұрғазин. Ал шаруашылығын шыңдағысы келген шалғайдағы шаруаның кепілге қоятын мүлкі мынадай шарттарды орындауға жеткіліксіз болатыны айтпаса да түсінікті. Ендеше, бағдарламада мұндай шаруалардың сұранысын қанағаттандыратын бір тармақ болуы қажет емес пе? Бірақ мұны елеп-ескеріп отырған ешкім жоқ.

Мемлекеттік жоба бойынша ірі қара асыраған шаруалардың қатарында несиеге қол жеткізгенімен, ары қарай кәсібін жалғастыруға бірнеше жыл бойы тиесілі субсидияға қол жеткізе алмай жүргендер де аз емес. Субсидияға қолы жетпей жүргендердің бірі – Қарағанды облысының Осакаров ауданындағы шаруа қожалық басшысы Мұхамбетқали Рублев. Шаруа қожалық иесі осыдан 4 жыл бұрын «Сыбаға» бағдарламасы бойынша несие алып, ондаған ірі қара сатып алған. Алайда мал басын көбейтуді ойлаған шаруаның жоспарлары жүзеге аспай қалды. Мұхамбетқали Рублевтің айтуынша, тапқан табысы мал санын көбейтпек түгілі, жылдағы жем-шөбі мен бақташылардың жалақысынан артылмайды екен. «Негізі жыл сайын аталық басқа Үкімет тарапынан 500 мыңнан субсидия берілуі тиіс. Малдардың жем-шөбі үшін. Бірақ біз бұл субсидияны 2011 жылдан бері алған емеспіз», – дейді қарағандылық шаруа. Бағдарлама шарты бойынша берілуі тиіс болған қаражатқа қол жеткізе алмауы шаруашылық иесін шарасыз халге түсірген. Тіпті, шаруа бұл туралы аудандық әкімдікке де бірнеше рет шағым түсіріпті. Одан да еш нәтиже болмаған. Бүгінде мемлекетке қайтаруы тиіс қарызы 4 миллион теңгеден асады. Бұл – бағдарлама бойынша алған несиесі мен оның үстемақысының қосындысы. Қазір шаруа қожалық иесі үстеменің негізсіз қосылғанын дәлелдеу үшін соттасып жүр. Бірақ одан бір нәтиже шығатынына өзі де сенбейді. Егер мемлекет тиесілі субсидияны өз уақытында бергенде, шаруашылық қожайыны мұндай қиын жағдайға тап болмас едім дегенді айтуда. Осылайша, үкіметтің көмегіне үміт артқан шаруа мал басын көбейтудің орнына, басындағы қарызын көбейтіп әуре-сарсаңға түсіп жүр.

Оңтүстік Қазақстан облысында да «Сыбаға» бағдарламасы арқылы шаруашылықты жандандыруға ниетті шаруалар көп. Бірақ олардың да үміті ақталмай отыр. 2013 жылы Сайрам ауданында «Сыбаға» бағдарламасы бойынша 235 ірі қара алынуы тиіс болған. Бірақ ауданға оның жартысы да жеткізілмеді. Сөйтіп, «Сыбаға» бағдарламасы аясында берілген тапсырма ауданда 50 пайызға ғана орындалды. Бұған не себеп? Басты себеп – жайылым жердің жоқтығында болып тұр. Сайрам аудандық ауыл шаруашылық бөлімінің меңгерушісі Нұрпапа Көпеев: «Сыбаға» бағдарламасымен айналысамыз дегендерге жер тауып бере алмай отыр­мыз. Себебі мемлекеттен бағдарлама негі­зінде несие алу үшін шаруа қожа­лықтың 8 гектар жайылым жері болуы керек», – дейді.

Мал шаруашылығымен айналы­сатын қарапайым халықты қуантқан «Сыбаға» бағдарламасының жүзеге асқа­нының өзі ауылшаруашылығы сала­сындағы бір айтулы жетістік екені рас. Аталмыш бағдарламаны сынға алушылар да аз емес. Тек мемлекеттік бағдарламаның шикі тұстарын жетілдіріп отыратын мамандар болуы қажеттігін еске салғымыз келеді. «Сыбаға» бағдарламасының қабылданғанына да 4 жылдың жүзі болды. Осы уақыт аралығында бағдар­ламаның игілігін көре алмай жүр­ген­дер қатары көбейіп отырғаны да жасырын емес. Ал бағдарлама жұмысына жауапты мамандар осыны неге ескермей отыр? Жыл сайын­ елімізде сан түрлі мемлекеттік бағдар­ламалар іске қосылады, қаражат бөлі­неді. Бірақ аз уақыт өткеннен соң бағдарлама жұмысына қатысты көп­шіліктің наразылығы пайда болады. Мұндай жайтқа соңғы уақытта көзіміз де, құлағымыз да үйреніп кеткендей. Десек те, «Сыбаға» бағ­дарламасынан сыбағасынан ештеңе ала алмаған шаруалардың мұңына да атқамінерлердің бір айтар жауабы болуы тиіс.

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