STATISTICAL ANALYSIS OF FACTORS AFFECTING CREDIT INTEREST RATES IN COMMERCIAL BANKS
DOI:
https://doi.org/10.5281/zenodo.18482230Keywords:
commercial banks; credit interest rates; inflation; regression analysis; policy rate; statistical analysisAbstract
This thesis analyzes the internal and external factors affecting credit interest rates in commercial banks. The
study applies statistical methods to identify the key determinants of interest rate formation and presents empirical results
based on the case of Uzbekistan. The findings indicate that the policy rate and inflation play a decisive role in shaping
credit interest rates, providing important implications for banking policy and monetary regulation.
References
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2. Gujarati, D. N. (2021). Basic econometrics (6th ed.). New York, NY: McGraw-Hill Education.
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6. World Bank. (2022). Global financial development report. Washington, DC: World Bank Publications.
7. International Monetary Fund. (2023). Monetary policy and inflation dynamics. Washington, DC: IMF.
8. Decrees and resolutions of the President of the Republic of Uzbekistan on the development of the banking and
financial system.
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