TIJORAT BANKLARIDA KREDIT SIYOSATINING INNOVATSION MOLIYAVIY TEXNOLOGIYALAR BILAN UYG‘UNLIGI
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Аннотация:
Ushbu maqolada tijorat banklarida kredit siyosatini takomillashtirishda innovatsion moliyaviy texnologiyalarning (fintech, blokcheyn, big data, sun’iy intellekt) o‘rni va ahamiyati yoritiladi. Kredit siyosati jarayonlarida raqamli texnologiyalarni joriy etish orqali kreditlashning tezkorligi, shaffofligi va xavfsizligi oshishi, mijozlarga yo‘naltirilgan mahsulotlarni shakllantirish imkoniyati kengayishi asoslab beriladi. Tadqiqot O‘zbekiston tijorat banklari, xususan “Mikrokreditbank” ATB misolida olib borilib, kredit siyosatini innovatsion yechimlar bilan uyg‘unlashtirish amaliyotining afzalliklari va muammolari tahlil qilinadi. Natijalar kredit siyosatini takomillashtirish, banklarning raqobatbardoshligini oshirish va iqtisodiy barqarorlikka erishishda zamonaviy texnologiyalar hal qiluvchi omil ekanini ko‘rsatadi.
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