O‘ZBEKISTONDA NAQDSIZ TO‘LOVLAR ULUSHINING OSHISHI VA PUL MASSASI NAZORATI SAMARADORLIGIGA TA’SIRI
##plugins.pubIds.doi.readerDisplayName##:
https://doi.org/10.5281/zenodo.20357544##article.subject##:
naqdsiz to‘lovlar, pul massasi, M2 pul agregati, monetar siyosat, Markaziy bank, bank kartalari, naqdlashtirish darajasi, elektron to‘lovlar, moliyaviy infratuzilma, pul muomalasi##article.abstract##
Ushbu maqolada O‘zbekistonda naqdsiz to‘lovlar ulushining oshishi va uning pul massasi nazorati
samaradorligiga ta’siri tahlil qilinadi. So‘nggi yillarda bank kartalari, mobil ilovalar, to‘lov terminallari va elektron hisobkitob
vositalarining kengayishi pul muomalasi tarkibida muhim o‘zgarishlarni yuzaga keltirmoqda. Tadqiqotning maqsadi
naqdsiz to‘lovlar hajmining ortishi pul oqimlarining shaffofligi, naqd pulga bo‘lgan talab, M2 pul agregati tarkibi va
O‘zbekiston Respublikasi Markaziy bankining monetar nazorat imkoniyatlariga qanday ta’sir ko‘rsatayotganini aniqlashdan
iborat. Tadqiqotda statistik, qiyosiy, dinamik va tarkibiy tahlil usullaridan foydalanildi. Tahlil natijalari naqdsiz to‘lovlar
ulushining oshishi bank tizimi orqali harakatlanadigan pul oqimlarini ko‘paytirishi, naqdlashtirish darajasini kamaytirishi
hamda pul massasini monitoring qilish imkoniyatlarini kengaytirishini ko‘rsatdi. Shu bilan birga, pul massasi nazoratining
samaradorligi faqat naqdsiz to‘lovlar ulushiga emas, balki kreditlash hajmi, depozitlar dinamikasi, bank tizimi likvidligi va
monetar siyosat instrumentlarining ta’sirchanligiga ham bog‘liq ekani asoslandi. Tadqiqot natijalari O‘zbekistonda naqdsiz
to‘lov infratuzilmasini rivojlantirish, moliyaviy savodxonlikni oshirish va pul-kredit siyosati samaradorligini kuchaytirish
uchun ilmiy-amaliy asos bo‘lib xizmat qiladi
Библиографические ссылки
1. O‘zbekiston Respublikasi Markaziy banki. 2024-yil uchun yillik hisobot [Elektron resurs]. — Toshkent: O‘zbekiston
Respublikasi Markaziy banki, 2025. —https://cbu.uz/upload/medialibrary/57b/0k19fv1aey7lot5eyib3eae4rx8lc1jh/
Markaziy-bank-yillik-hisoboti-2024_.pdf
2. O‘zbekiston Respublikasi Markaziy banki. Naqd pul muomalasi bo‘yicha qisqacha sharh: 2025-yil yanvar–iyun
[Elektron resurs]. — Toshkent: O‘zbekiston Respublikasi Markaziy banki, 2025. https://cbu.uz/upload/iblock/
a0d/10bc2hdx5ds4wvwxco8hzqx4w3rw4ge3/Sharx-lotincha-_Naqd-pul-muomalasi_.pdf
3. Ö. Durgun, M. C. Timur. The effects of electronic payments on monetary policies and central banks // Procedia —
Social and Behavioral Sciences. — 2015. — Vol. 195. — P. 680–685. — DOI: 10.1016/j.sbspro.2015.06.271.
4. R. Hasanah, M. I. Hasmarini. Analysis effect of cashless payments in the digitalization era on money supply in
Indonesian // Proceeding Medan International Conference on Economic and Business. — 2023. — Vol. 1. — DOI:
10.30596/miceb.v1i0.216.
5. A. Aguilar, Jon Frost, R. Guerra, Steven Kamin, Alexandre Tombini. Digital payments, informality and economic growth
// BIS Working Papers. — 2024. — No. 1196. — Basel: Bank for International Settlements, 2024. — URL: https://www.
bis.org/publ/work1196.pdf
6. P. Liang, M. Sampaio, S. Sarkisyan. Digital payments and monetary policy transmission // Fisher College of Business
Working Paper Series. — 2025. — Dice Center WP 2024-14; Fisher College of Business WP 2024-03-14. — URL:
https://www.bancaditalia.it/pubblicazioni/altri-atti-seminari/2025/Sarkisyan_paper.pdf
7. International Monetary Fund. Monetary and Financial Statistics Manual and Compilation Guide. — Washington, D.C.:
International Monetary Fund, 2016. — 432 p. — URL: https://www.imf.org/external/pubs/ft/mfs/manual/
8. Asli Demirgüç-Kunt, Leora Klapper, Dorothe Singer, Saniya Ansar. The Global Findex Database 2021: Financial
Inclusion, Digital Payments, and Resilience in the Age of COVID-19. — Washington, D.C.: World Bank, 2022. — 192
p. — DOI: 10.1596/978-1-4648-1897-4. — URL: https://www.worldbank.org/en/publication/globalfindex
9. O‘zbekiston Respublikasi Markaziy banki. 2025-yil 1-iyun holatiga muomaladagi bank plastik kartalari, terminallar,
bankomat va infokiosklar hamda 2025-yil yanvar–may oylari davomida to‘lov terminallari orqali tushgan tushumlar
to‘g‘risida ma’lumot [Elektron resurs]. — Toshkent: O‘zbekiston Respublikasi Markaziy banki, 2025. — URL: https://
cbu.uz/uz/statistics/paysistem/2550444/
10. O‘zbekiston Respublikasi Markaziy banki. Naqd pul muomalasi bo‘yicha sharh. 2026-yil I chorak yakunlari bo‘yicha
[Elektron resurs]. — Toshkent: O‘zbekiston Respublikasi Markaziy banki, 2026. — URL: https://cbu.uz/upload/iblock/
a92/rvmy1uw4u34nedr0usab1vvajmw9qdvt/Naqd-pul-muomalasi-bo_yicha-sharh-24.04.26-_1_.pdf
Загрузки
##submissions.published##
Как цитировать
##issue.issue##
##section.section##
Лицензия
Copyright (c) 2026 YASHIL IQTISODIYOT VA TARAQQIYOT
Это произведение доступно по лицензии Creative Commons «Attribution» («Атрибуция») 4.0 Всемирная.