TIJORAT BANKLARIDA FOIZ SIYOSATI SAMARADORLIGINI OSHIRISHNING AMALIY JIHATLARI
DOI:
https://doi.org/10.5281/zenodo.22046813Abstract
Mazkur maqolada O‘zbekiston tijorat banklarida foiz siyosatining amaliy holati hamda
Markaziy bank monetar siyosatining tijorat banklari kredit foiz stavkalariga uzatilish samaradorligi tadqiq etilgan. Tadqiqotda 2020–2025-yillar davomida shakllantirilgan oylik statistik ma’lumotlar asosida Markaziy bankning asosiy stavkasi va yuridik shaxslarga ajratilgan uzoq muddatli kreditlarning o‘rtacha tortilgan foiz
stavkasi o‘rtasidagi bog‘liqlik ekonometrik jihatdan baholangan. Tadqiqot metodologiyasi sifatida ARDL (Autoregressive Distributed Lag) modeli va unga asoslangan Bounds testi hamda Error Correction Model
qo‘llanilgan. Mazkur yondashuv orqali asosiy stavka o‘zgarishlarining kredit foiz stavkalariga qisqa va uzoq
muddatli ta’siri, foiz stavkasi pass-through koeffi tsienti hamda muvozanat holatiga qaytish tezligini aniqlash nazarda tutilgan. Tadqiqot natijalari O‘zbekiston sharoitida monetar siyosatning foiz kanali orqali tijorat banklari kredit stavkalariga ta’sirining kuchi va tezligini baholash, shuningdek, banklarning foiz siyosatini takomillashtirish bo‘yicha amaliy xulosalar ishlab chiqish imkonini beradi.
Keywords
tijorat banklari, foiz siyosati, monetar siyosat, Markaziy bankning asosiy stavkasi, kredit foiz stavkasi, uzoq muddatli kreditlar, foiz stavkasi pass-through, monetar transmissiya mexanizmi, ARDL modeli, Bounds testi, Error Correction ModelReferences
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