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Зарим гишүүдийн зүгээс энэ хуулийн төслүүдийг нэгтгээд хэлэлцье гэсэн санал гаргасан хэдий ч  хууль санаачлагачид тус тусад нь хэлэлцүүлэхийг илүүд үзсэн. Ямартай ч дээрх хуулийн төслүүдэд банкны хууль эрхзүйн орчныг сайжруулах, хөрөнгө оруулалтыг татах зэрэг олон асуудлыг тусгасан байна лээ. Гэхдээ иргэдийн хувьд банкны зээлийн хүүг бууруулах эсэх нь  хамгийн анхаарал татсан асуудал.

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Банкууд зээлийн хүүгээ бууруулахаас гадна зээл олгоход тавигдах шалгуурын босгоо ч намсгах хэрэгтэй гэж олон нийт үздэг. Ер нь төр бонд гаргаж, арилжааны банкуудаас зээл авснаас  иргэдэд олгох багассан гэж улс төрчид хүлээн зөвшөөрдөг. Тиймээс ч Сангийн сайд Ч.Хүрэлбаатар “нэн түрүүн арилжааны банкуудаас Засгийн газар зээл авахгүй, ингэснээр арилжааны банкууд зээл олголтоо иргэд рүү чиглүүлнэ. Цаашлаад бизнес эрхлэгчид зээл авснаар үйл ажиллагаагаа үргэлжлүүлж, ажлын байр ч хэвээр хадгалагдана” гэсэн зарчим барьж байгаагаа дуулгасан. Банкны хуулиудыг хэлэлцэж байгаатай холбоотой УИХ дахь АН-ын бүлэг нээлттэй хэлэлцүүлгийг саяхан зохион байгуулсан. Энэ хэлэлцүүлэгт оролцогч банкны удирдлагууд болон бизнес эрхлэгчдийн хооронд  санал зөрөлдсөн асуудал ч гарч байна лээ.  Банкны төлөөллүүд эрхзүйн орчин сайжруулах талаар  анхаарч байгаа бол бизнес эрхлэгчид банкныхны хүнд суртал, тавигдах шаардлага   хатуу, зээлийн хүү өндөр байгаад бухимдалтай байсан.

Монголбанкны сар бүр гаргадаг статистик мэдээгээр 2017 оны арван сарын байдлаар зээлийн жигнэсэн хүүгийн дундаж түвшин 19.9 хувьтай гарчээ. Харин арилжааны банкуудын зээлийн хүү төгрөгийнх 20-36 хувь,  ам.долларынх  18-21.6 хувь,  үйлдвэрлэл, жижиг, дунд бизнесийнх 26.8-27.9 хувь,  цалингийнх 21-29.6 хувь, орон сууц, хашаа байшин барьцаалсных 20-26 хувьтай байна.

Зээлийн хүү өндөр байгаа шалтгаан нь  хадгаламжийн хүү өндөр, Монголын санхүүгийн зах зээлд мөнгө хүүлж, хэт өндөр ашиг олдог олигополь тогтолцоо бүрдсэнтэй холбоотой гэж зарим эдийн засагчид тайлбарлаж байна. Жишээлэхэд өнгөрсөн онд  Хаан, Худалдаа хөгжлийн банк, Голомт, Хас банкны төгрөгийн зээлд эзлэх хувь 80.2 хувь гарчээ. Дэлхийн жишгээр бол нийт зах зээлд 4 том тоглогчийн эзлэх хувийн жин 80-100 хувьд байвал олигополиос монопольд шилжих зах зээл гэж нэрлэдэг. Ийм зах зээл дээрх үнийг төр зохицуулах дүрэмтэй байдаг байна.  Мөн онд  Хаан банкны татварын дараах цэвэр ашиг 105 тэрбум төгрөг, Худалдаа хөгжлийн банкны ашиг 142.3 тэрбум төгрөг, Голомт банкны үйл ажиллагааны ашиг 71.4 тэрбум төгрөг болжээ. Түүнчлэн  арилжааны бусад  банк ч томоохон ашигтай ажилласан статистик мэдээлэл гарсан аж.  Монголбанкны сар бүрийн мэдээллээс харвал 2017 оны гуравдугаар улирлын байдлаар Чингис хаан банк 4 тэрбумын, Богд банк 1.2 тэрбум, Капитрон банк 1.9 тэрбум, Ариг банк 534 сая, Кредит банк 277 сая, Тээвэр хөгжлийн банк 1.8 тэрбум төгрөг байна.

Дэлхийн жишгээр банк нь 10-15 хувийн ашигтай ажиллах ёстой бол Монголын арилжааны банкуудын хувьд энэ үзүүлэлт 100 хувь хол давж, зарим жил үүнээс ч өндөр ашигтай ажилласныг эдийн засагч онцолж байсан.

Банкны тухай хуулиудын төслийг хэлэлцэх үед зээлийн хүүгийн дээд хязгаарыг төвбанк тогтооно гэсэн заалт эсэргүүцэлтэй тулсан. Учир нь зах зээлийн нийгмийн дагуу арилжааны банкууд  зээлийн хүүгээ өөрсдөө тогтоох ёстой, төвбанкны мэдэлд шилжүүлэх нь бизнест харшилна гэсэн байр суурийг зарим гишүүд илэрхийлж байгаа. Гэхдээ банкны зээлийн хүүг бууруулах арга зам байгааг сөрөг хүчний хэлж байгаа. Тухайлахад, банкуудын хадгаламжийн хүү дээр нэмж буй марж буюу хувийг оновчтой тогтоох. Энэ хувийг Монголбанкны статистикаар дундажлан тооцоход дунджаар 6 хувь болж байгаа аж. Мөн банкуудыг нээлттэй болгож, хувьцааны 30 хувиас доошгүйг нь хөрөнгийн бирж дээр зардаг болговол зээлийн үнэгүй шахам эх үүсвэр нэмэгдэж, зээлийн хүү буурна гэсэн санал ч гарч байлаа.

Ямартай ч банкуудын хуулийн хэлэлцүүлгийн үеэр зээлийн хүүг тодорхой хэмжээгээр бууруулах зохицуулалт хийгдэх байх гэж найдъя.

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