O‘ZBEKISTONDA KICHIK VA O‘RTA BIZNESNI BANK KREDITLARI BILAN TA’MINLASHNI TAKOMILLASHTIRISH YO‘NALISHLARI
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https://doi.org/10.5281/zenodo.20446182##semicolon##
kichik va o‘rta biznes, bank kreditlari, garov ta’minoti, cash-flow-based lending, raqamli scoring, fintech, riskbased pricing, davlat kafolat fondi, hududiy kreditlash, bank–KOB hamkorligi##article.abstract##
Maqolada O‘zbekistonda kichik va o‘rta biznesni bank kreditlari bilan ta’minlash tizimini yanada
rivojlantirishning ustuvor yo‘nalishlari, mavjud imkoniyatlar hamda kreditlash mexanizmlarini takomillashtirish masalalari
ilmiy-amaliy jihatdan tahlil qilinadi. Tadqiqotda garov ta’minotini kengaytirish, axborot almashinuvi samaradorligini oshirish,
moliyaviy hisobotlar sifatini yaxshilash, kredit tarixini rivojlantirish, foiz stavkalari va kredit muddatlarini biznes ehtiyojlariga
moslashtirish hamda hududiy kreditlash tizimini takomillashtirish masalalariga alohida e’tibor qaratilgan. Maqolada tijorat
banklari kredit portfeli, kichik tadbirkorlikning iqtisodiy faollik ko‘rsatkichlari va 2025-yil statistik ma’lumotlari asosida
KOBni moliyalashtirish istiqbollari amaliy jihatdan yoritilgan. Shuningdek, cash-flow-based lending, raqamli scoring,
fintech yechimlar, risk-based pricing, davlat kafolat fondlari, on-lending mexanizmlari, moliyaviy diagnostika va bank–
KOB axborot almashinuvini rivojlantirish bo‘yicha amaliy takliflar ilgari surilgan.
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