RAQAMLI IQTISODIYOT TRANSFORMATSIYASI SHAROITIDA TIJORAT BANKLARI TO‘LOV QOBILIYATINI TA’MINLASHNING INNOVATSION MEXANIZMLARI
DOI:
https://doi.org/10.5281/zenodo.20235994Keywords:
raqamli iqtisodiyot, tijorat banki, to‘lov qobiliyati, likvidlik, stress-test, “queuing” siyosati, LCR monitoringi, blokcheyn reyestri.Abstract
Mazkur maqolada raqamli iqtisodiyot transformatsiyasi sharoitida tijorat banklarining to‘lov qobiliyatini
ta’minlashning innovatsion mexanizmlari tadqiq etilgan. Tadqiqot doirasida banklarda “stress-test” usulini doimiy qo‘llash,
to‘lovlar navbatini optimallashtiruvchi “queuing” siyosati, LCR ko‘rsatkichlari monitoringi hamda blokcheyn texnologiyasi
asosidagi to‘lov kafolati reyestrini joriy etish masalalari ilmiy jihatdan asoslab berilgan. AT Aloqabank misolida ushbu
mexanizmlarning joriy etilishi bankning barqaror likvid mablag‘lari hajmini 12 % ga va to‘lov qobiliyati darajasini 20 % ga
oshirishi tahlil qilingan
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