O‘ZBEKISTONDA MIKROMOLIYAVIY XIZMATLARNING RIVOJLANISH TENDENSIYALARI VA BANK TIZIMIDA TUTGAN O‘RNI
Ключевые слова:
mikromoliyaviy xizmatlar, bank tizimi, Hamkorbank, moliyaviy inklyuziya, mikrokredit, kichik biznes, tadbirkorlik, iqtisodiy islohotlar, raqamli bank xizmatlari, ijtimoiy barqarorlik.Аннотация
Mazkur maqolada O‘zbekistonda mikromoliyaviy xizmatlarning rivojlanish tendensiyalari va bank tizimida tutgan o‘rni chuqur ilmiy tahlil qilinadi. Mikromoliyaviy xizmatlar iqtisodiy islohotlar jarayonida aholining moliyaviy resurslarga bo‘lgan ehtiyojini qondirish, kichik biznes va xususiy tadbirkorlikni qo‘llab-quvvatlash, yangi ish o‘rinlari yaratish va ijtimoiy barqarorlikni ta’minlashda muhim vosita sifatida namoyon bo‘lmoqda. Tadqiqotda oxirgi yillardagi milliy bank tizimidagi statistik ma’lumotlar va xalqaro tajribalar asosida O‘zbekistondagi mikromoliyaviy xizmatlarning rivojlanish xususiyatlari ochib beriladi. Shuningdek, tijorat banklari, xususan “Hamkorbank” ATB misolida mikromoliyaviy xizmatlarning amaliy qo‘llanilishi, ularning hisobini takomillashtirish zarurati va raqamlashtirish jarayonida yuzaga kelayotgan yangi imkoniyatlar yoritiladi. Natijalar mamlakat bank tizimida mikromoliyaviy xizmatlarni yanada rivojlantirish va samaradorligini oshirish bo‘yicha ilmiy-amaliy tavsiyalar ishlab chiqish uchun asos bo‘lib xizmat qiladi.
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