FOND BOZORIDA INVESTORLARNING INVESTITSION XULQ-ATVORINI TAKOMILLASHTIRISHDA MOLIYAVIY SAVODXONLIKNING AHAMIYATI
DOI:
https://doi.org/10.5281/zenodo.22684352Abstract
Tadqiqotda moliyaviy savodxonlik investorlarning risk va daromadlilikni baholash,
diversifikatsiya tamoyillariga amal qilish, bozor axborotini tanqidiy tahlil qilish hamda uzoq muddatli investitsion
strategiyani shakllantirish jarayonlariga ta’sir etuvchi muhim omil sifatida ko‘rib chiqilgan. Shuningdek, haddan
tashqari ishonch, ommaviy ergashuv xatti-harakati, FOMO, zararlarni qabul qilishdan qochish va impulsiv savdo
qarorlari kabi xulq-atvor xatolari yoritilgan. Tezisda moliyaviy savodxonlik xulq-atvor xatolarini kamaytiruvchi
muhim vosita bo‘lsa-da, uning samaradorligi tanqidiy fikrlash, riskni ongli boshqarish, raqamli moliyaviy
savodxonlik va investorlarni himoya qilish mexanizmlari bilan uzviy bog‘liq ekani asoslab berilgan.
Keywords
moliyaviy savodxonlik, xulq-atvor xatolari, investorlar, fond bozori, investitsion qarorlar, risk, diversifikatsiya, FOMO, ommaviy ergashuv xatti-harakati, raqamli moliyaviy savodxonlik.References
1. O‘zbekiston Respublikasi Prezidentining 2023-yil 2-sentabrdagi PQ–291-son qarori “Kapital bozorini
rivojlantirishning qo‘shimcha chora-tadbirlari to‘g‘risida”. — Toshkent, 2023. — URL: https://lex.uz/docs/-
6590025 (murojaat sanasi: 02.08.2026).
2. O‘zbekiston Respublikasining 2015-yil 3-iyundagi O‘RQ-387-son Qonuni “Qimmatli qog‘ozlar bozori
to‘g‘risida”gi O‘zbekiston Respublikasi Qonuniga o‘zgartish va qo‘shimchalar kiritish haqida. — URL:
https://lex.uz/docs/-2662539 (murojaat sanasi: 02.08.2026).
3. O‘zbekiston Respublikasi Vazirlar Mahkamasining 2008-yil 29-dekabrdagi 284-son qarori “Qimmatli
qog‘ozlar bozori to‘g‘risida”gi O‘zbekiston Respublikasi Qonunini amalga oshirish chora-tadbirlari haqida.
— URL: https://lex.uz/uz/docs/-1419930 (murojaat sanasi: 02.08.2026).
4. Malik L., Quddus A., Watto W. A., Barakat H. A., Fahlevi M., Aziz A. L. Behavioural Biases and Investment
Decisions with Mediating Role of Risk Perception and Moderating Role of Financial Literacy // Discover
Psychology. — 2026. — Vol. 6. — Art. 122. — DOI: 10.1007/s44202-026-00669-9.
5. Suresh, G. Impact of Financial Literacy and Behavioural Biases on Investment Decision-Making // FIIB
Business Review. — 2024. — Vol. 13, No. 1. — P. 72–86. — DOI: 10.1177/23197145211035481.
6. Inghelbrecht, K., Tedde, M. Overconfidence, Financial Literacy and Excessive Trading // Journal of Economic
Behavior & Organization. — 2024. — Vol. 219. — P. 152–195. — DOI: 10.1016/j.jebo.2024.01.010.
7. Grant, S. M., Hobson, J. L., Sinha, R. K. Digital Engagement Practices in Mobile Trading: The Impact of
Color and Swiping to Trade on Investor Decisions // Management Science. — 2024. — Vol. 70, No. 3. —
DOI: 10.1287/mnsc.2023.00379.
8. OECD. OECD/INFE 2023 International Survey of Adult Financial Literacy. — Paris: OECD Publishing,
2023. — URL: https://www.oecd.org/financial/education/ (murojaat sanasi: 02.08.2026).
9. IOSCO. Investor Education and Financial Literacy: Global Trends and Policy Approaches. — Madrid:
International Organization of Securities Commissions, 2023. — URL: https://www.iosco.org (murojaat
sanasi: 02.08.2026).
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.
