ELEKTRON PULLARNING MOHIYATI VA ULARNING MILLIY TO‘LOV TIZIMIDAGI ROLI
DOI:
https://doi.org/10.5281/zenodo.18964339Keywords:
elektron pul, raqamli iqtisodiyot, to‘lov tizimi, fintech, raqamli hamyon, monetar siyosat, CBDC, moliyaviy inklyuzivlik, ISK, risk-matritsasi.Abstract
Maqolada elektron pullarning iqtisodiy mohiyati, huquqiy maqomi va funksional xususiyatlari keng ilmiynazariy
asosda tahlil etilgan. Klassik pul nazariyasi (Fisher, Keynes, Friedman) dan zamonaviy raqamli moliya
yondashuvlarigacha bo‘lgan ilmiy spektrda elektron pullarning o‘rni aniqlashtirilgan. Uchta konseptual yondashuv —
hisob-kitob, nopul moliyaviy mahsulot va pul talqini — qiyosiy tarzda ko‘rib chiqilgan. Raqamli iqtisodiyot sharoitida milliy
to‘lov tizimida elektron pullarning o‘rni, aholining moliyaviy inklyuziyasiga ta'siri va fintech sektorining rivojlanishiga hissasi
xalqaro tajriba hamda O‘zbekiston statistikasi asosida baholangan. CBDC («Raqamli so‘m») joriy etish istiqbollari xalqaro
amaliyot bilan qiyoslangan holda tahlil qilingan. Risk-matritsasi va boshqaruv tavsiyalari berilgan.
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