TIJORAT BANKLARIDA PUL MABLAG‘LARI HARAKATI VA LIKVIDLIK TAHLILI
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https://doi.org/10.5281/zenodo.19345327##semicolon##
tijorat banklari, likvidlik, LCR, NSFR, muddatlar nomutanosibligi, depozit-kredit modeli, ulgurji moliyalashtirish##article.abstract##
O‘zbekiston bank tizimi so‘nggi yillarda jadal o‘sdi. Ammo qisqa muddatli depozitlar hisobidan uzoq muddatli
kreditlarni moliyalashtirish banklar uchun doimiy likvidlik xavfini keltiradi. Xo‘sh, banklar bu xavfni qanday boshqaradi
va ularning ko‘rsatkichlari xalqaro standartlarga qanchalik mos keladi? Maqolada 2020–2025-yillardagi statistik
ma’lumotlar asosida O‘zbekiston tijorat banklarida pul oqimlari va likvidlik tahlil qilingan. Natijalar shuni ko‘rsatadiki,
banklar likvidlik buferlarini keskin oshirgan — yuqori likvidli aktivlar 4,4 barobar ko‘paygan. LCR 195,7% va NSFR 116,0%
bilan Basel III talablaridan ancha yuqori ko‘rsatkichlarga erishilgan. Asosiy muammo — muddatlar nomutanosibligi —
saqlanib qolgan bo‘lsa-da, banklar uni banklararo bozor, repo operatsiyalari va likvid aktivlar orqali samarali yumshatib
kelmoqda. Rivojlangan mamlakatlar banklaridan farqli ravishda, O‘zbekiston banklari hali ham asosan depozit-kredit
modeliga tayanadi. Maqolada ulgurji moliyalashtirish, kapital bozoridan foydalanish va aktiv-passivlarni boshqarishni
takomillashtirish bo‘yicha amaliy tavsiyalar berilgan.
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