O‘ZBEKISTONDA TIJORAT BANKLARIDA ISTE’MOL KREDITLARI BOZORINING RIVOJLANISH TENDENSIYALARI
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Аннотация:
Mazkur maqolada O‘zbekistonda tijorat banklari faoliyatida iste’mol kreditlari bozorining rivojlanish tendensiyalari chuqur tahlil qilinadi. So’ngi yillar davrida iste’mol kreditlari hajmining dinamikasi, bank kredit portfellarida ushbu segmentning o‘rni hamda foiz siyosatining aholi farovonligiga ta’siri o‘rganilgan. Normativ-huquqiy islohotlar, xususan, Markaziy bankning kreditlash bozorini tartibga solish bo‘yicha qarorlari, Prezident farmonlari va hukumat qarorlari asosida bank tizimida yaratilgan yangi sharoitlar tahlil qilinadi. Shuningdek, xorijiy mamlakatlar tajribasi, raqamli texnologiyalarning kreditlash jarayoniga tatbiqi hamda kredit riski boshqaruvining zamonaviy mexanizmlari yoritilgan. Tadqiqot natijalari iste’mol kreditlari aholining moliyaviy savodxonligini oshirish, ichki bozorni faollashtirish va iqtisodiy barqarorlikka xizmat qilayotganini ko‘rsatadi. Shu bilan birga, tijorat banklari uchun kredit portfeli sifatini oshirish, risklarni minimallashtirish va zamonaviy moliyaviy instrumentlardan foydalanish bo‘yicha ilmiy-amaliy tavsiyalar ishlab chiqilgan.
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