RIVOJLANGAN MAMLAKAТLARDA ХIZMAТ KO‘RSAТISH SOHASINI KREDIТLASH MODELLARI VA ULARNI O‘ZBEKISТON SHAROIТIDA QO‘LLASH IMKONIYAТLARI
DOI:
https://doi.org/10.5281/zenodo.20489860Keywords:
xizmat ko‘rsatish sohasi, kreditlash, tijorat banklari, kredit risklari, Basel III, raqamli bank texnologiyalari, kredit skoring, moliyaviy inklyuziya, kredit portfeliAbstract
Mazkur maqolada rivojlangan mamlakatlarda xizmat ko‘rsatish sohasini moliyalashtirish va kreditlashning
zamonaviy modellari tahlil qilingan. Xususan, AQSh, Germaniya, Janubiy Koreya va Singapur tajribalari o‘rganilib, xizmat
ko‘rsatish sohasi subyektlarini kreditlashda qo‘llanilayotgan institutsional mexanizmlar, risklarni baholash usullari, davlat
qo‘llab-quvvatlash instrumentlari hamda raqamli texnologiyalarga asoslangan kreditlash amaliyotlari tadqiq etilgan.
Shuningdek, mazkur mamlakatlar tajribasi asosida O‘zbekiston tijorat banklarida xizmat ko‘rsatish sohasini kreditlash
amaliyotini takomillashtirish bo‘yicha ilmiy taklif va amaliy tavsiyalar ishlab chiqilgan
References
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Settlements, 2017.
2. Basel Committee on Banking Supervision. Principles for the Management of Credit Risk. Basel: Bank for International
Settlements, 2000.
3. Mishkin F. S. The Economics of Money, Banking and Financial Markets. 13th ed. New York: Pearson Education, 2022.
4. Rose P. S., Hudgins S. C. Bank Management and Financial Services. 10th ed. New York: McGraw-Hill Education,
2019.
5. Stiglitz J. E., Weiss A. Credit Rationing in Markets with Imperfect Information // American Economic Review. 1981. Vol.
71, No. 3. P. 393–410.
6. Berger A. N., Udell G. F. Relationship Lending and Lines of Credit in Small Firm Finance // The Journal of Business.
1995. Vol. 68, No. 3. P. 351–381
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