O‘ZBEKISTON UY-JOY BOZORIDA MOLIYAVIY PUFAK XAVFINI BAHOLASH: INTEGRAL INDEKSNI SHAKLLANTIRISH VA EKONOMETRIK TAHLIL
DOI:
https://doi.org/10.5281/zenodo.22091899Abstract
Mazkur maqolada O‘zbekiston uy-joy bozorida moliyaviy pufak xavfini kompleks baholash
masalasi tadqiq etilgan. Tadqiqotning maqsadi uy-joy narxlarining fundamental iqtisodiy omillardan og‘ishini
aniqlash hamda moliyaviy pufak xavfini ifodalovchi integral indeksni shakllantirishdan iborat. Tadqiqotda
2020–2025-yillarga oid uy-joy narxlari, aholi daromadlari, ijara qiymati, kredit portfeli, ipoteka kreditlari va
qurilish sektori ko‘rsatkichlaridan foydalanilgan. Narx-daromad nisbati, narx-ijara nisbati, real uy-joy narxlari
o‘sishi, kredit portfeli o‘sishi, ipoteka kreditlari o‘sishi hamda qurilish sektorining iqtisodiyotdagi ulushi
standartlashtirilib, Pufak xavfi indeksi (PXI) shakllantirilgan. Ekonometrik tahlil indeksni shakllantiruvchi
omillar o‘rtasida uzoq muddatli muvozanat mavjudligini ko‘rsatdi. Olingan natijalar uy-joy bozoridagi tizimli
nomutanosibliklarni erta aniqlash va makroprudensial siyosat samaradorligini oshirishda PXIdan foydalanish
imkoniyatlarini asoslaydi
Keywords
uy-joy bozori, moliyaviy pufak, Pufak xavfi indeksi, ipoteka krediti, narx-daromad nisbati, narx-ijara nisbati, ekonometrik tahlil, moliyaviy barqarorlik.References
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