PANEL MA’LUMOTLAR ASOSIDA O‘ZBEKISTON TIJORAT BANKLARIDA VOSITACHILIK XIZMATLARI HAJMINING SAMARADORLIKKA TA’SIRI

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Issue: Vol. 4 No. 29 : Science and technology in the modern world
Section: Articles
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Toshkent Davlat Iqtisodiyot universiteti, “Iqtisodiy statistika” kafedrasi tadqiqotchisi
info@in-academy.uz

Abstract:

Mazkur tezisda O‘zbekiston tijorat banklari misolida vositachilik xizmatlari hajmining samaradorlik ko‘rsatkichlariga ta’siri panel ma’lumotlar yondashuvi asosida tahlil qilinadi. Empirik dizayn asosiy vositachilik ko‘rsatkichlari sifatida aktivlarda kreditlar ulushi va passivlarda depozitlar ulushini, nazorat o‘zgaruvchilari sifatida sof foiz marjasi, xarajat/daromad nisbati hamda bank hajmini qamrab oladi. Model tarkibida bankga xos o‘zgarmas xususiyatlarni yutish uchun individual fiks-effektlar va yil shoklarini ushlash uchun vaqt fiks-effektlari kiritiladi. Natijalar mantiqan shuni ko‘rsatadiki, kredit va depozit vositachiligi samaradorlik bilan ijobiy bog‘liq bo‘lishi kutiladi, biroq bu bog‘liqlik foiz marjasi va operatsion samaradorlik sharoitlari bilan chegaralanadi. Tadqiqot xulosalari bank boshqaruviga intermedatsiya strategiyasini xarajat intizomi va barqaror depozit bazasi bilan uyg‘unlashtirish zarurligini ko‘rsatadi.

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How to Cite:

Mirahmedov , J. . (2025). PANEL MA’LUMOTLAR ASOSIDA O‘ZBEKISTON TIJORAT BANKLARIDA VOSITACHILIK XIZMATLARI HAJMINING SAMARADORLIKKA TA’SIRI. Science and Technology in the Modern World, 4(29), 85–88. Retrieved from https://in-academy.uz/index.php/zdift/article/view/64834

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