Yashil bank xizmatlari – tijorat banklari moliyaviy mahsulotlar misolida
DOI:
https://doi.org/10.5281/zenodo.16570347Keywords:
Yashil moliya, yashil o‘sish, moliyaviy mahsulotlar, chakana bank xizmatlari, yashil bank mahsulotlari, toza energiya, ekologik barqaror rivojlanish, yoqilg‘i tejamkorligi, yashil ipoteka, yashil kreditlar, xalqaro tashkilotlar (JST, BMT, G20), ekologik mas'uliyat, moliyaviy sektor va barqarorlik, yashil mahsulotlarga talabAbstract
Yashil moliya-moliyaviy soha, iqtisodiy o‘sish hamda atrof-muhit va unga oid qonunchilik choralarining
kesishgan nuqtasida joylashgan tushunchadir. Bu yo‘nalish foyda olishdan tashqari, tabiat, iqtisodiy manfaat va inson
manfaatlari o‘rtasidagi muvozanatni ko‘zlovchi yangi maqsad sari o‘tish natijasida vujudga kelgan tabiiy tendensiyadir.
Jahon savdo tashkiloti (WTO), BMT, G20 kabi eng nufuzli xalqaro tashkilotlar tomonidan ilgari surilayotgan global
tendensiya sifatida yashil o‘sish eng ustuvor yo‘nalishlardan biri etib belgilanmoqda. Mazkur maqolada yashil moliyaning
salohiyati yoritilib, asosiy yashil moliyaviy mahsulotlar tahlil qilinadi. Xususan, chakana bank mahsulotlari doirasida yashil
kartalar, yashil avtomobil kreditlari, yashil ipoteka kreditlari kabi mahsulotlarga alohida e’tibor qaratiladi. Bunday mahsulotlar
yuqori yoqilg‘i tejamkorligi, toza energiyadan foydalanish va ekologik jihatdan xavfsiz faoliyatlarni rag‘batlantirish orqali
atrof-muhitni muhofaza qilish maqsadlariga xizmat qiladi. Maqolada ushbu mahsulotlarning ijobiy ta’siri ikki tomonlama –
ularni taklif qiluvchi banklar uchun (chunki yashil mahsulotlarga bo‘lgan talab ortib bormoqda) va foydalanuvchilar uchun
(mazkur mahsulotlar nisbatan arzonroq xarajatlarga ega) ekanligi ko‘rsatib o‘tiladi
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