O‘ZBEKISTON BANK-MOLIYA TIZIMIDA REAL SEKTORNI KREDITLASH MEXANIZMLARINI SAMARALI JORIY ETISH VA XUSUSIY SEKTOR RIVOJIGA TA’SIRI
DOI:
https://doi.org/10.5281/zenodo.17577109Keywords:
Tijorat banklari, kreditlash mexanizmi, qarz oluvchi, kreditga layoqatlilik, garov siyosati, raqamli kreditlash, risklarni boshqarish, shartnoma intizomi, moliyaviy barqarorlikAbstract
Mazkur maqolada tijorat banklarining qarz oluvchilarni moliyalashtirish jarayonida qo‘llanayotgan kreditlash
mexanizmlarining amaliy xususiyatlari hamda ularni takomillashtirish yo‘llari tahlil qilinadi. Ayniqsa, mijozlarning kreditga
layoqatliligini baholash usullarini takomillashtirish, kredit shartnomalarini aniq va shaffof belgilash, garov siyosatini
zamonaviy talablar asosida diversifikatsiya qilish hamda raqamli texnologiyalarni joriy etish orqali kreditlash samaradorligini
oshirish masalalari o‘rganilgan.Shuningdek, kredit olish jarayonida uchraydigan muammolar — byurokratik to‘siqlar,
to‘lovga qobiliyatni aniqlashdagi noaniqliklar va garov ta’minotining yetarli emasligi kabi omillar ko‘rsatilib, ularni bartaraf
etish bo‘yicha amaliy tavsiyalar ishlab chiqilgan. Tadqiqot davomida xorijiy bank amaliyoti bilan taqqoslash asosida
O‘zbekistonda xususiy sektor uchun mijozga yo‘naltirilgan, shaffof va tezkor kreditlash tizimini shakllantirishning strategik
yondashuvlari taklif qilingan.
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