TIJORAT BANKLARIDA KORPORATIV MIJOZLARNI MOLIYALASHTIRISHNING TAHLILI
DOI:
https://doi.org/10.5281/zenodo.22654411Abstract
Maqolada davlat ulushi yuqori bo‘lgan uchta tijorat banki – “Asakabank”, “Mikrokreditbank”
va “Turonbank” misolida korporativ mijozlarni moliyalashtirish amaliyoti tahlil qilingan. Tadqiqot 20 ta
tijorat bankining 2020–2024-yillardagi ko‘rsatkichlaridan tuzilgan panel ma’lumotlar bazasiga asoslanadi.
Tahlil natijalari uchala bankda ham korporativ kreditlash hajmining o‘sishi samaradorlikning pasayishi
bilan kechayotganini ko‘rsatdi: korporativ portfel rentabelligi “Asakabank”da 1,16 foizdan 0,14 foizga,
“Turonbank”da 1,96 foizdan 0,22 foizga tushgan, “Mikrokreditbank”da esa 2024-yilda manfiy qiymatga
o‘tgan. Shu davrda 20 ta bank bo‘yicha o‘rtacha ko‘rsatkich 2,61 foizni tashkil etgan. Panel regressiya tahlili
korporativ portfel rentabelligiga korporativ kreditlarning yuridik shaxslar depozitlari bilan qoplanishi ijobiy,
kredit portfelida korporativ segment ulushining yuqoriligi esa salbiy ta’sir ko‘rsatishini tasdiqladi; boshqa
omillar nazorat qilingan holda davlat banklari uchun rentabellik o‘rtacha 9,5 foiz punktga past bo‘lib chiqdi.
Keywords
korporativ mijozlar, korporativ kreditlash, davlat banklari, resurs bazasi, depozitlar bilan qoplanish, portfel konsentratsiyasi, muammoli kreditlar, samaradorlik, panel tahlil.References
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