TIJORAT BANKLARI MOLIYAVIY BARQARORLIGINI BAHOLASHDA YANGI KONSEPTUAL VA USLUBIY YECHIMLAR: SIRKULYAR IQTISODIYOT TAJRIBASI
DOI:
https://doi.org/10.5281/zenodo.22743833Abstract
O‘zbekiston tijorat banklarining moliyaviy barqarorligini baholashning amaldagi yondashuvlari
sirkulyar iqtisodiyot talablari nuqtayi nazaridan tahlil qilinib, mavjud metodologik bo‘shliqlarni bartaraf etishga qaratilgan
kompleks konseptual-uslubiy yechim taklif etiladi. Tadqiqot to‘rtta asosiy ilmiy natijaga tayanadi: bank barqarorligini
operatsion, kapital, adaptiv hamda ekologik-sirkulyar tarkibiy qismlar orqali ifodalovchi yaxlit model va oltita omil guruhiga
asoslangan tasnif; Altman modelining Z_green = (ROA + CAR + 0,5 × GLR) / σ(ROA) ko‘rinishidagi sirkulyar moslashuvi
hamda uning asosida ishlab chiqilgan “yashil transformatsiya bo‘sag‘asi” (GLR ≥ 3-4 foiz) konsepsiyasi; muallif tomonidan
taklif etilgan Yashil AI-kredit skoring metodologiyasi; shuningdek, moliyaviy barqarorlikni mustahkamlashning beshta amaliy
yo‘nalishi. AJ “Milliy bank”, ATB “SQB” va ATB “Asakabank”ning 2021-2025-yillardagi ma’lumotlari asosida amalga oshirilgan
hisob-kitoblar uchala bankning Z-ko‘rsatkichlari 27,35-66,58 oralig‘ida bo‘lib, belgilangan barqarorlik chegarasidan (Z >
2,6) yuqori ekanini ko‘rsatdi. Shuningdek, raqamlashtirish darajasi bilan CIR ko‘rsatkichi o‘rtasida kuchli teskari bog‘liqlik
aniqlanib, raqamlashtirish darajasi 3 balldan 2 ballgacha pasayganda CIR 29,7 foizdan 85,0 foizgacha oshishi kuzatildi.
Olingan natijalar Markaziy bank va tijorat banklari faoliyatida moliyaviy barqarorlikni baholash hamda yashil transformatsiya
jarayonlarini takomillashtirishda amaliy ahamiyat kasb etadi.
Keywords
moliyaviy barqarorlik, sirkulyar iqtisodiyot, tijorat banklari, Z-ko‘rsatkich, yashil transformatsiya, ESGreyting, AI-kredit skoring, CIR, CAR, NPLReferences
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