IMPROVING BANK FINANCING MECHANISMS FOR THE CREATIVE SECTOR OF UZBEKISTAN
DOI:
https://doi.org/10.5281/zenodo.23164609Abstract
Ushbu maqolada O‘zbekistonda kreativ sektorni banklar tomonidan moliyalashtirishning institutsional va moliyaviy shart-sharoitlari tadqiq etilib, kreativ industriya korxonalarining qarz mablag‘laridan foydalanish imkoniyatlarini yaxshilashga qaratilgan empirik tekshiriladigan mexanizm ishlab chiqilgan. Tadqiqotning daliliy bazasi O‘zbekiston Respublikasining “Kreativ iqtisodiyot to‘g‘risida”gi Qonuni, rasmiy makroiqtisodiy va bank statistikasi, shuningdek, OECD, WIPO va Yevropa kafolatlash instrumentlarining xalqaro tajribasini qamrab oladi. Tahlil o‘lchash mumkin bo‘lgan institutsional-statistik tafovut mavjudligini ko‘rsatadi: 2024-yilda kreativ iqtisodiyotning yalpi ichki mahsulotdagi ulushi rasman 3,7% deb qayd etilgan bo‘lsa-da, Markaziy bankning ochiq tarmoqlar kesimidagi kredit statistikasi kreativ industriyalarni alohida kreditlash toifasi sifatida ajratib ko‘rsatmaydi. Mazkur axborot va ta’minot bilan bog‘liq cheklovlarni bartaraf etish maqsadida maqolada kreativ sektorni bank tomonidan moliyalashtirishning to‘rt bosqichli mexanizmi hamda moliyaviy barqarorlik, pul oqimlarining shaffofligi, loyiha va bozor faoliyati tarixi, intellektual mulkka oid dalillar, shuningdek, boshqaruv va ma’lumotlar sifatini qamrab oluvchi 100 ballik namunaviy Creative Finance Score (CFS) taklif etilgan. Taklif etilgan vaznlar va chegaraviy qiymatlar tasdiqlangan standart prognoz ko‘rsatkichlari sifatida emas, balki tajriba-sinov asosida kalibrlash uchun gipotezalar sifatida aniq belgilangan. Shuningdek, maqolada qisman kafolatlash bo‘yicha pilot mexanizmni joriy etish, sektorlarni standartlashtirilgan tarzda tasniflash hamda portfel darajasida monitoring olib borish tavsiya etiladi. Tadqiqotning ilmiy hissasi kuzatilmagan tarmoq kreditlash hajmlari yoki tasdiqlanmagan sababiy ta’sirlarni nazarda tutmagan holda, kreativ moliyalashtirishning xalqaro tamoyillarini O‘zbekistonning amaldagi huquqiy arxitekturasiga moslashtiruvchi shaffof va empirik tekshiriladigan konseptual mexanizmni ishlab chiqishdan iborat.Keywords
kreativ iqtisodiyot, kreativ industriyalar, bank moliyalashtirishi, kredit riski, nomoddiy aktivlar, intellektual mulk, kafolatlar, kichik va o‘rta biznes, O‘zbekiston.References
1. Republic of Uzbekistan. (2024). Law No. ZRU-970 of 3 October 2024 “On the Creative Economy” (as amended). LexUZ. https://lex.uz/ru/docs/7129290
2. President of the Republic of Uzbekistan. (2026, February 12). Projects to develop the creative economy and establish new cultural spaces presented. https://president.uz/en/lists/view/8935
3. Central Bank of the Republic of Uzbekistan. (2026). Information on commercial bank loans by economic sector, as of 1 August 2026. https://cbu.uz/en/statistics/bankstats/4470285/
4. OECD. (2022). The Culture Fix: Creative People, Places and Industries. Chapter: Entrepreneurship and business development in cultural and creative sectors. OECD Publishing. https://www.oecd.org/en/publications/ the-culture-fix_991bb520-en.html
5. World Bank. (2025). Unlocking finance for creative industries. Private Sector Development Blog. https:// blogs.worldbank.org/en/psd/unlocking-finance-for-creative-industries
6. World Intellectual Property Organization (WIPO). (2026). Intellectual Property Finance. https://www. wipo.int/en/web/ip-financing/
7. European Commission. (n.d.). Access to finance for the cultural and creative sectors: Cultural and Creative Sectors Guarantee Facility. https://digital-strategy.ec.europa.eu/en/policies/finance-cultural-creative- sectors
8. Government Portal of the Republic of Uzbekistan. (2026, July 7). What tax incentives are provided to the creative economy? https://gov.uz/en/uzspace/news/view/189302
9. National Statistics Committee of the Republic of Uzbekistan. (2026). Volume of investments in fixed capital by types of economic activity in arts, entertainment and recreation (SIAT dataset 1.04.01.0218). https:// siat.stat.uz/data/4709/?lang=en
10. Republic of Uzbekistan. (2026). Presidential Resolution No. PP-64 of 16 February 2026 “On measures for the development of the creative economy”. LexUZ. https://lex.uz/docs/8050797
11. Government Portal of the Republic of Uzbekistan, Ministry of Economy and Finance. (2026, July 21).
New Legal Opportunities Created to Advance the Creative Economy. https://gov.uz/en/imv/news/view/196096
12. Central Bank of the Republic of Uzbekistan. (2026). Information on commercial bank loans by economic sectors, as of 1 January 2026. https://cbu.uz/en/statistics/bankstats/3326273/
13. World Intellectual Property Organization. (2026, May 13). Malaysia approves first loan under WIPO– MIDF IP Finance Pilot. https://www.wipo.int/en/web/ip-financing/w/news/2026/malaysia-approves-first-loan- under-wipo-midf-ip-finance-pilot
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.
