TIJORAT BANKLARI FAOLIYATIDA SAMARADORLIKNI OSHIRISHNING ZAMONAVIY MEXANIZMLARI
DOI:
https://doi.org/10.5281/zenodo.20344145Keywords:
tijorat banklari, samaradorlik, raqamli transformatsiya, ROE, ROA, ekotizim, fintech, sun'iy intellekt, bank islohotlari, moliyaviy barqarorlikAbstract
Ushbu maqolada global iqtisodiy o'zgarishlar va raqamlashuv sharoitida tijorat banklari faoliyatining
samaradorligini oshirish mexanizmlari tadqiq etilgan. O'zbekiston bank tizimidagi so'nggi islohotlar, xususan,
2020-2025-yillarga mo'ljallangan bank tizimini isloh qilish strategiyasi doirasidagi o'zgarishlar tahlil qilingan. Tadqiqotda
banklarning moliyaviy ko'rsatkichlari (ROA, ROE, CIR), raqamli transformatsiya jarayonlari va mijozlarga xizmat
ko'rsatishning zamonaviy usullari o'rganilgan. Markaziy bank statistik ma'lumotlari asosida 2022-2024-yillardagi aktivlar,
kapital va kredit portfeli dinamikasi tahlil qilingan. Natijalar shuni ko'rsatadiki, an'anaviy bankingdan ekotizim modeliga
o'tish, sun'iy intellekt va Big Data texnologiyalarini joriy etish operatsion xarajatlarni kamaytirish va daromadlilikni
oshirishning asosiy drayveri hisoblanadi. Maqola yakunida banklar faoliyatini optimallashtirish va raqobatbardoshlikni
oshirish bo'yicha ilmiy va amaliy tavsiyalar ishlab chiqilgan.
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