TIJORAT BANKLARI O‘RTASIDAGI RAQOBATNI BAHOLASH VA KUCHAYTIRISHNING ZAMONAVIY METODOLOGIYASI: O‘ZBEKISTON TAJRIBASI
DOI:
https://doi.org/10.5281/zenodo.17559703Keywords:
tijorat banklari, raqobat, HHI, CR4, raqamlashtirish, bank sektori, O‘zbekiston tajribasi.Abstract
Ushbu maqolada O‘zbekiston tijorat banklari o‘rtasidagi raqobat darajasi baholanib, uni kuchaytirishning
zamonaviy metodologiyasi tahlil qilingan. Tadqiqotda Herfindahl–Hirschman indeksi (HHI) hamda CR4 konsentratsiya
ko‘rsatkichi yordamida 2020–2024-yillar davomida bank sektoridagi raqobat dinamikasi o‘rganilgan. Shuningdek,
raqamlashtirish jarayonining raqobatbardoshlikka ta’siri, innovatsion moliyaviy texnologiyalarning roli va davlat siyosati
omillari chuqur tahlil etilgan. Natijalar shuni ko‘rsatadiki, O‘zbekiston bank tizimida raqobat o‘rtadan yuqori darajada
shakllanmoqda, raqamli texnologiyalar esa ushbu jarayonni jadallashtirayotgan asosiy omil hisoblanadi
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