TIJORAT BANKLARIDA INVESTITSION KREDITLARNI TAKOMILLASHTIRISH YO‘LLARI

Authors

  • Shaxlo G‘ayrat qizi Naimova Toshkent davlat iqtisodiyot universiteti mustaqil izlanuvchisi

DOI:

https://doi.org/10.5281/zenodo.23388879

Abstract

O‘zbekiston tijorat banklarida investitsion kreditlash amaliyotining 2022–2026-yillardagi holati tahlil qilinib, uni takomillashtirishning ustuvor yo‘nalishlari ilmiy jihatdan asoslangan. O‘zbekiston Respublikasi Markaziy banki va Milliy statistika qo‘mitasi ma’lumotlari asosida bank tizimi kredit portfelining dinamikasi va tarkibi, resurs bazasining tuzilishi hamda asosiy kapitalga investitsiyalarni moliyalashtirishda bank kreditlarining o‘rni baholangan. Tahlil natijalariga ko‘ra, bank tizimi kredit portfeli 1,85 barobar oshgan bo‘lsa-da, 2025-yilda asosiy kapitalga yo‘naltirilgan investitsiyalarning 1,9 foizi tijorat banklari kreditlari va boshqa qarz mablag‘lari hisobidan moliyalashtirilgan. Shu bilan birga, uzoq muddatli kreditlarning uzoq muddatli resurslar bilan qoplanish darajasi 83,9 foizdan 81,3 foizga pasaygani aniqlangan. Tadqiqot doirasida uzoq muddatli resurslar bilan qoplanish koeffitsienti taklif etilib, banklarning resurs bazasi muddatini uzaytirish, loyihaviy moliyalashtirish uslubiyotini joriy etish, sindikatsiyalashgan kreditlash amaliyotini kengaytirish hamda kredit risklarini taqsimlash mexanizmlarini rivojlantirish bo‘yicha ilmiy-amaliy takliflar ishlab chiqilgan.

Keywords

investitsion kredit, tijorat banklari, uzoq muddatli resurslar, loyihaviy moliyalashtirish, kredit portfeli, resurs bazasi, sindikatsiyalashgan kredit, muammoli kreditlar

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Published

2026-10-15

How to Cite

Naimova, S. G. qizi. (2026). TIJORAT BANKLARIDA INVESTITSION KREDITLARNI TAKOMILLASHTIRISH YO‘LLARI. GREEN ECONOMY AND DEVELOPMENT, 4(10), 300–307. https://doi.org/10.5281/zenodo.23388879

Issue

Vol. 4 No. 10 (2026): «Yashil iqtisodiyot va taraqqiyot» jurnali 10-son

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Copyright (c) 2026 GREEN ECONOMY AND DEVELOPMENT

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DOI

https://doi.org/10.5281/zenodo.23388879

Pages

300-307

Citation

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Vol. 4 No. 10 (2026): «Yashil iqtisodiyot va taraqqiyot» jurnali 10-son