«YASHIL IPOTEKA» AMALIYOTI: XORIJIY TAJRIBALAR
DOI:
https://doi.org/10.5281/zenodo.18014265Ключевые слова:
yashil ipoteka, energiya samaradorligi, barqaror moliyalashtirish, ipoteka bozori, yashil yuvish (greenwashing) xavfi.Аннотация
Mazkur maqola “yashil ipoteka”ni tashkil etish va boshqarishning xalqaro tajribalariga bagʻishlangan boʻlib,
unda Germaniya, Buyuk Britaniya, AQSH, Niderlandiya kabi mamlakatlarning institutsional modellari, shuningdek,
energiya tejamkor uy-joylarni moliyalashtirishni ragʻbatlantirishda hukumat va bozor mexanizmlarining roli tahlil qilingan.
Shuningdek, yashil ipotekalarni rivojlantirishdagi asosiy muammolar, shu jumladan, binolarning energiya samaradorligini
baholash va tekshirish uchun yagona xalqaro metodologiya (standart)ning yoʻqligi, energiya samaradorligi orqali kredit
xavfini kamaytirishni qoʻllab-quvvatlovchi empirik dalillarning cheklanganligi, yashil yuvish (greenwashing) xavfi, qarz
oluvchilarning energiya tejamkor investitsiyalarning potensial foydalari haqida yetarlicha axborotga ega emasliklari kabi
muammolar aniqlangan. Barqaror moliyaviy rivojlanish doirasida ushbu muammolarning oldini olish boʻyicha taklif va
tavsiyalar ishlab chiqilgan
Библиографические ссылки
1. Brounen, D. and Kok, N. (2011). On the economics of energy labels in the housing market. Journal of Environmental
Economics and Management, 62(2), pp.166–179. https://doi.org/10.1016/j.jeem.2010.11.006
2. Fuerst, F., McAllister, P., Nanda, A. and Wyatt, P. (2015). Does energy efficiency matter to home-buyers? Energy
Economics, 50, pp.1–11. https://doi.org/10.1016/j.eneco.2015.04.003
3. Ameli, N. and Brandt, N. (2015). Determinants of households’ investment in energy efficiency. Energy Policy, 87,
pp.299–310. https://doi.org/10.1016/j.enpol.2015.09.006
4. Energy Efficient Mortgages Initiative (EEMI) (2016). Energy Efficient Mortgages Action Plan (EeMAP). Brussels.
5. European Banking Authority (EBA) (2023). Report on Green Loans and Mortgages. Paris.
6. Green Finance Institute (2024). The Way Ahead for the UK Green Mortgage Market. London.
7. KfW (2023). Promotion of Energy-Efficient Construction and Refurbishment. Frankfurt am Main.
8. Freddie Mac (2022). GreenCHOICE Mortgages® Product Guide. McLean, VA.
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