KICHIK BIZNES SUBYEKTLARINI BANK KREDITLARI ORQALI MOLIYAVIY QO‘LLAB-QUVVATLASH MEXANIZMINI TAKOMILLASHTIRISH YO‘LLARI
DOI:
https://doi.org/10.5281/zenodo.22752730Abstract
Maqolada kichik biznes subyektlarini bank kreditlari orqali moliyaviy qo‘llab-quvvatlash
mexanizmini takomillashtirishning ustuvor yo‘nalishlari tadqiq etilgan. Tijorat banklarida kredit mahsulotlarini
diversifikatsiya qilish, garov ta’minoti cheklovlarini yumshatish, kafolat mexanizmlarini kengaytirish, kreditlash
jarayoniga konsalting xizmatlarini integratsiya qilish hamda yashil va investitsion kredit mahsulotlarini
rivojlantirish masalalari yoritilgan. “O‘zmilliybank” AJ amaliyotidagi “Ekspress”, “Biznes ipoteka” va “Light
Green” kredit mahsulotlari natijalari tahlil qilinib, Janubiy Koreya va Yevropa Ittifoqi tajribasi bilan qiyoslangan.
Korrelyatsion tahlil asosida mikrokreditlar, xizmat ko‘rsatish va servis sohasi, tadbirkor ayollar hamda aholi
tadbirkorligini moliyalashtirish bilan umumiy KO‘B kreditlash hajmi o‘rtasidagi bog‘liqlik baholangan, ko‘p omilli
regressiya orqali esa ayrim omillarning statistik ahamiyati aniqlangan. Yakunda kredit mahsuloti – kafolat –
konsalting – kuzatuv elementlarini birlashtiruvchi “4K” kompleks mexanizmi taklif etilgan
Keywords
kichik biznes, tijorat banklari, bank krediti, moliyaviy qo‘llab-quvvatlash, kredit mahsuloti, kafolat, garov, biznes ipoteka, yashil kredit, mikrokreditReferences
1. Beck T. Bank Financing for SMEs - Lessons from the Literature // National Institute Economic Review. -
2013. - Vol. 225, No. 1. - P. 23–38.
2. De la Torre A., Martínez Pería M.S., Schmukler S.L. Bank Involvement with SMEs: Beyond Relationship
Lending // Journal of Banking & Finance. - 2010. - Vol. 34, No. 9. - P. 2280–2293.
3. Yamori N. Japanese SMEs and the Credit Guarantee System after the Global Financial Crisis // Cogent
Economics & Finance. - 2015. - Vol. 3, Issue 1.
4. Abor J., Biekpe N. Small Business Reliance on Bank Financing in Ghana // Emerging Markets Finance
and Trade. - 2007. - Vol. 43, No. 4. - P. 93–102.
5. Ayyagari M., Demirgüç-Kunt A., Maksimovic V. Small vs. Young Firms across the World: Contribution to
Employment, Job Creation and Growth. - World Bank Policy Research Working Paper 5631, 2011.
6. Stein P., Goland T., Schiff R. Two Trillion and Counting: Assessing the Credit Gap for Micro, Small and
Medium-size Enterprises in the Developing World. - Washington, DC: World Bank, 2010.
7. O‘zbekiston Respublikasi Markaziy banki. Statistik byulletenlar va kichik hamda o‘rta tadbirkorlikni
kreditlash bo‘yicha rasmiy ma’lumotlar. - https://cbu.uz/uz/statistics/
8. “O‘zmilliybank” AJ. Kichik biznes va tadbirkorlik subyektlari uchun kredit mahsulotlari bo‘yicha rasmiy
ma’lumotlar. - https://nbu.uz/
9. Korea Credit Guarantee Fund (KODIT). Credit Guarantee and Start-up Support Programs. - https://
www.kodit.co.kr/
10. KfW. ERP-Förderkredit KMU: kichik va o‘rta korxonalar uchun investitsiya va aylanma mablag‘larni
moliyalashtirish dasturi. - https://www.kfw.de/
11. European Investment Fund (EIF). InvestEU Guarantee Products: SME debt financing and risk-sharing
instruments. - https://www.eif.org/flagship-initiatives/investeu/guarantees
12. Qredits Microfinanciering Nederland. Credit, training and coaching support for entrepreneurs. - https://
www.qredits.nl/
13. International Finance Corporation (IFC). MSME Finance: access to finance and financial inclusion
materials. - https://www.ifc.org/
14. World Bank. Small and Medium Enterprises (SMEs) Finance: improving SMEs’ access to finance and
finding innovative solutions. - https://www.worldbank.org/
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.
