XUSUSIY TIJORAT BANKLARIDA RESURS BAZASINI DIVERSIFIKATSIYA QILISH VA KAPITAL YETARLILIGINI TA’MINLASHDA XALQARO TAJRIBALAR
DOI:
https://doi.org/10.5281/zenodo.20790977Keywords:
Tijorat banklari, resurs bazasi, kapital yetarliligi, depozitlar, uzoq muddatli qarzlar, Bazel qo‘mitasi, moliyaviy barqarorlikAbstract
Mazkur maqolada JPMorgan Chase va Wells Fargo kabi yirik xorijiy tijorat banklari misolida
resurs bazasi tarkibi hamda kapital yetarliligini ta’minlash mexanizmlari o‘rganilgan. Tahlillar shuni ko‘rsatadiki,
banklarning asosiy resurs manbai sifatida depozitlar salmog‘i yuqori bo‘lib, uzoq muddatli qarz majburiyatlari va
aktsiyadorlik kapitali moliyaviy barqarorlikni mustahkamlashda muhim o‘rin tutadi. Bazel qo‘mitasining kapital
yetarliligi bo‘yicha belgilangan me’yorlari tijorat banklari uchun muhim standart bo‘lib, ularning risklarni qoplash
qobiliyatini oshiradi. Olingan xulosalar O‘zbekiston bank tizimi uchun resurs bazasini diversifikatsiya qilish,
kapitalni optimallashtirish va likvidlikni boshqarish bo‘yicha amaliy ahamiyat kasb etadi
References
1. Diamond, D., & Dybvig, P. (1983). Bank runs, deposit insurance, and liquidity. Journal of Political
Economy, 91(3), 401–419.
2. Basel Committee on Banking Supervision. (2011). Basel III: A global regulatory framework for more
resilient banks and banking systems. Bank for International Settlements.
3. Levine, R. (2005). Finance and Growth: Theory and Evidence. Handbook of Economic Growth, Vol. 1A.
4. Stiglitz, J., & Weiss, A. (1981). Credit rationing in markets with imperfect information. American
Economic Review, 71(3), 393–410.
5. Holov, A. (2024). Tijorat banklari barqarorligini mustahkamlash metodologiyasini takomillashtirish. DSc
dissertatsiyasi avtoreferati. Toshkent TDIU 16-b.
6. O‘zbekiston Respublikasi Prezidentining 2020-yil 12-maydagi PF–5992-son Farmoni “2020–2025
yillarga mo‘ljallangan O‘zbekiston Respublikasining bank tizimini isloh qilish strategiyasi to‘g‘risida”.
7. O‘zbekiston Respublikasi Prezidentining 2021-yil 7-sentyabrdagi PF–6307-son Farmoni “Soliq
majburiyatlarini bajarishda tadbirkorlik sub’ektlariga yanada qulay shart-sharoitlar yaratish to‘g‘risida”.
8. JPMorgan Chase & Co. (2024). Annual Report. New York.
9. Wells Fargo & Company. (2024). Annual Report. San Francisco
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2026 GREEN ECONOMY AND DEVELOPMENT
This work is licensed under a Creative Commons Attribution 4.0 International License.