Tijorat banklarida aholi omonatlarining jozibadorligini oshirishning metodologik asoslari va amaliy yo‘nalishlari
DOI:
https://doi.org/10.5281/zenodo.15673175Ключевые слова:
aholi omonatlari, tijorat banklari, O‘zbekiston bank tizimi, moliyaviy savodxonlik, foiz siyosati, raqamli bank xizmatlari, psixologik omillar, iqtisodiy barqarorlik, innovatsion depozitlar, mintaqaviy tengsizlikАннотация
Maqolada O‘zbekiston Respublikasida tijorat banklarida aholi omonatlarini jalb qilish jarayoni tahlil qilingan.
Jahon va mahalliy tajriba asosida omonat siyosatini takomillashtirishga ta’sir qiluvchi iqtisodiy, psixologik va institutsional
omillar yoritilgan. Tadqiqot natijalari asosida innovatsion omonat mahsulotlarini ishlab chiqish, raqamli xizmatlarni
kengaytirish, mintaqaviy tengsizliklarni bartaraf etish va moliyaviy savodxonlikni oshirish bo‘yicha amaliy tavsiyalar
berilgan.
Библиографические ссылки
World Bank. (2024). World Development Indicators: Deposit accounts statistics. Retrieved from https://databank.
worldbank.org
O‘zbekiston Respublikasi Markaziy banki. (2024). Bank tizimidagi omonatlar to‘g‘risidagi hisobot. Retrieved from
https://cbu.uz/oz/press_center/reviews/
O‘zbekiston Respublikasi Markaziy banki. (2024). Yillik hisobot 2023. Retrieved from https://cbu.uz/upload/medialibrary/
a53/Yillik-hisobot-2024.pdf
O‘zbekiston Respublikasi Markaziy banki. (2019). Banklarda omonat operatsiyalarini rasmiylashtirish jarayonlari
takomillashtirildi. Retrieved from https://cbu.uz/uz/documents/3332/37556/
World Bank. (2025). Metadata Glossary: Depositors with commercial banks (per 1,000 adults). Retrieved from https://
databank.worldbank.org/metadataglossary/world-development-indicators/series/FB.CBK.DPTR.P3
World Bank. (2025). Domestic credit to private sector by banks (% of GDP). Retrieved from https://databank.worldbank.
org/metadataglossary/world-development-indicators/series/FD.AST.PRVT.GD.ZS
World Bank. (2025). Gross savings (% of GDP). Retrieved from https://databank.worldbank.org/id/384adcf6
World Bank. (2025). World Development Indicators: Financial Sector. Retrieved from https://databank.worldbank.org/
reports.aspx?Topic=3&source=2
World Bank. (2025). World Development Indicators: Metadata Glossary. Retrieved from https://databank.worldbank.
org/metadataglossary/World-Development-Indicators/series%2Ccountry/page/4
World Bank. (2025). World Development Indicators: Saving. Retrieved from https://databank.worldbank.org/id/384adcf6
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