TIJORAT BANKLARIDA KICHIK BIZNES SUBYEKTLARINI MOLIYAVIY QO‘LLAB-QUVVATLASHNING AMALDAGI HOLATI VA RIVOJLANISH TENDENSIYALARI
DOI:
https://doi.org/10.5281/zenodo.22707396Abstract
Maqolada O‘zbekistonda tijorat banklari tomonidan kichik biznes subyektlarini moliyaviy
qo‘llab-quvvatlashning iqtisodiy ahamiyati, amaldagi holati va rivojlanish tendensiyalari tahlil qilingan. Kichik
tadbirkorlikning yalpi ichki mahsulot, bandlik, xizmatlar, chakana savdo va asosiy kapitalga investitsiyalardagi
ulushi bilan bir qatorda, 2021–2025-yillarda kichik va o‘rta tadbirkorlik subyektlari hamda aholiga tadbirkorlik
faoliyatini amalga oshirish maqsadlari uchun ajratilgan bank kreditlari dinamikasi baholangan. Bank kreditlashida
resurs bazasi, kredit riski, garov ta’minoti, raqamli skoring, kafillik va riskni bo‘lishish mexanizmlarining ahamiyati
yoritilgan. Tahlil natijasida riskka asoslangan differensial segmentatsiya, muqobil raqamli ma’lumotlardan
foydalanish va uzoq muddatli resurslarni kengaytirishga qaratilgan takliflar ishlab chiqilgan.
Keywords
kichik biznes, tijorat banklari, moliyaviy qo‘llab-quvvatlash, kreditlash, investitsiya, kredit riski, kafillik, raqamli skoring, tadbirkorlikReferences
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