STATISTICAL ANALYSIS OF FACTORS AFFECTING CREDIT INTEREST RATES IN COMMERCIAL BANKS
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https://doi.org/10.5281/zenodo.18482230##article.subject##:
commercial banks; credit interest rates; inflation; regression analysis; policy rate; statistical analysis##article.abstract##
This thesis analyzes the internal and external factors affecting credit interest rates in commercial banks. The
study applies statistical methods to identify the key determinants of interest rate formation and presents empirical results
based on the case of Uzbekistan. The findings indicate that the policy rate and inflation play a decisive role in shaping
credit interest rates, providing important implications for banking policy and monetary regulation.
Библиографические ссылки
1. Central Bank of the Republic of Uzbekistan. (2023). Official statistical data. Retrieved from https://www.cbu.uz
2. Gujarati, D. N. (2021). Basic econometrics (6th ed.). New York, NY: McGraw-Hill Education.
3. Mishkin, F. S. (2019). The economics of money, banking and financial markets (12th ed.). Boston, MA: Pearson
Education.
4. Abdurakhmonov, Q. (2020). Fundamentals of banking. Tashkent: Iqtisodiyot Publishing House.
5. Keynes, J. M. (1936). The general theory of employment, interest and money. London: Macmillan.
6. World Bank. (2022). Global financial development report. Washington, DC: World Bank Publications.
7. International Monetary Fund. (2023). Monetary policy and inflation dynamics. Washington, DC: IMF.
8. Decrees and resolutions of the President of the Republic of Uzbekistan on the development of the banking and
financial system.
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