«YASHIL IPOTEKA» AMALIYOTI: XORIJIY TAJRIBALAR
DOI:
https://doi.org/10.5281/zenodo.18014265Keywords:
yashil ipoteka, energiya samaradorligi, barqaror moliyalashtirish, ipoteka bozori, yashil yuvish (greenwashing) xavfi.Abstract
Mazkur maqola “yashil ipoteka”ni tashkil etish va boshqarishning xalqaro tajribalariga bagʻishlangan boʻlib,
unda Germaniya, Buyuk Britaniya, AQSH, Niderlandiya kabi mamlakatlarning institutsional modellari, shuningdek,
energiya tejamkor uy-joylarni moliyalashtirishni ragʻbatlantirishda hukumat va bozor mexanizmlarining roli tahlil qilingan.
Shuningdek, yashil ipotekalarni rivojlantirishdagi asosiy muammolar, shu jumladan, binolarning energiya samaradorligini
baholash va tekshirish uchun yagona xalqaro metodologiya (standart)ning yoʻqligi, energiya samaradorligi orqali kredit
xavfini kamaytirishni qoʻllab-quvvatlovchi empirik dalillarning cheklanganligi, yashil yuvish (greenwashing) xavfi, qarz
oluvchilarning energiya tejamkor investitsiyalarning potensial foydalari haqida yetarlicha axborotga ega emasliklari kabi
muammolar aniqlangan. Barqaror moliyaviy rivojlanish doirasida ushbu muammolarning oldini olish boʻyicha taklif va
tavsiyalar ishlab chiqilgan
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