RAQAMLI VALYUTALARNING IQTISODIYOTDAGI O‘RNI VA MOLIYAVIY BARQARORLIKKA TA’SIRI
DOI:
https://doi.org/10.5281/zenodo.20933617Keywords:
raqamli valyuta, to‘lov tizimi, moliyaviy barqarorlik, CBDC, stablecoin, banklarAbstract
So‘nggi yillarda global moliya tizimida raqamli texnologiyalar, shu bilan birga, raqamli
valyutalar jadal sur’atlarda rivojlanmoqda. To‘lov tizimlarida raqamli valyutalarning paydo bo‘lishi va keng
qo‘llanilishi moliyaviy barqarorlik masalasini dolzarb qilib qo‘ydi. Ushbu maqola raqamli valyutalarning ijobiy
ta’siri, moliya tizimining samaradorligini oshirishi, shaffoflikni kuchaytirishi va moliyaviy inklyuziyani qo‘llabquvvatlashi
mumkinligi, shu bilan birga, salbiy tomonlari hisoblangan banklarning an’anaviy funksiyalariga,
likvidlik va kreditlash mexanizmlariga salbiy ta’sir ko‘rsatishi, yangi tizimli risklarni keltirib chiqarishi mumkinligini
o‘rganishga bag‘ishlangan.
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