IMPROVING THE PRACTICE OF FINANCING INVESTMENT PROJECTS THROUGH SYNDICATED LOANS PROVIDED BY COMMERCIAL BANKS
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https://doi.org/10.5281/zenodo.21810463##semicolon##
sindikatlashgan kreditlash; tijorat banklari; investitsiyalarni moliyalashtirish; risklarni taqsimlash; bank konsorsiumi; loyihaviy moliyalashtirish; O‘zbekiston##article.abstract##
Yirik investitsiya loyihalarini moliyalashtirishga bo‘lgan talabning ortib borishi
sindikatlashgan kreditlashning zamonaviy bank amaliyotidagi strategik ahamiyatini kuchaytirmoqda.
Sindikatlashgan kreditlar bir nechta tijorat banklariga yagona kredit shartnomasi asosida bitta qarz oluvchini
birgalikda moliyalashtirish imkonini berib, kredit riskini diversifikatsiya qilish, likvidlikni samarali boshqarish
hamda banklarning moliyalashtirish salohiyatini kengaytirishga xizmat qiladi. Tadqiqotda tijorat banklari
tomonidan investitsiya loyihalarini sindikatlashgan kreditlar orqali moliyalashtirish amaliyoti tahlil qilinib, uning
samaradorligini oshirishga qaratilgan amaliy takliflar ishlab chiqilgan. Tadqiqot xalqaro ilmiy adabiyotlarni
tahlil qilish, sindikatlashgan va ikki tomonlama kreditlash amaliyotlarini qiyosiy baholash hamda mazkur
bozor rivojiga ta’sir etuvchi institutsional, huquqiy va moliyaviy omillarni o‘rganishga asoslangan. Tahlil
natijalari sindikatlashgan kreditlashni keng qo‘llashga to‘sqinlik qilayotgan asosiy omillar sifatida me’yoriyhuquqiy
bazaning yetarli darajada uyg‘unlashtirilmaganligi, banklararo hamkorlikning cheklanganligi,
standartlashtirilgan hujjatlar tizimining yetishmasligi, axborot assimetriyasi hamda ikkilamchi kredit bozorining
rivojlanmaganligini aniqladi. Huquqiy bazani takomillashtirish, xalqaro standartlarni joriy etish, banklararo
raqamli hamkorlik platformalarini rivojlantirish va risklarni taqsimlash mexanizmlarini kuchaytirish investitsiya
loyihalarini moliyalashtirish samaradorligini sezilarli darajada oshirishi asoslandi. Shuningdek, sindikatlashgan
kreditlash kredit riskini diversifikatsiya qilish, kapitaldan samarali foydalanish hamda alohida banklarning
moliyalashtirish imkoniyatidan yuqori bo‘lgan yirik infratuzilma va sanoat loyihalarini amalga oshirish orqali
moliyaviy barqarorlikni mustahkamlashga xizmat qilishi ko‘rsatildi
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