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Kreditlash jarayonlarida xulq-atvor iqtisodiyoti omilini joriy etish istiqbollari

Author

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  • Sevara Jo‘rayeva

Abstract

Iqtisodiyotni barqaror rivojlanishida bir qator omillar ichida xulq-atvor iqtisodiyoti muhim tarmoqlardan hisoblanadi.Hozirgi jahon tendensiyasiga e’tibor qaratsak, xulq-atvor iqtisodiyoti oxirgi yigirma yillikda eng katta urg‘u berilayotgansohalardan biri hisoblanadi. Dunyoning ko‘pgina rivojlangan mamlakatlarida bank-moliya, marketing va boshqabiznes kompaniyalari bu sohani o‘rganishga, joriy etishga va maksimal foydaga erishishga harakat qilishmoqda. Ayniqsa,marketing va kreditlashda mijozlarni jalb qilishda insonlar xarakteriga ta’sir etuvchi omillarni keng qo‘llashmoqda.Respublikamizda hozirgi kunda tijorat banklari tomonidan mijozlarni kreditlashda kredit tarixi va ish haqi daromadlarinihisobga olgan holda kreditlar ajratilmoqda. Biroq, xorij tajribasidan ma’lumki bu usulda kreditlashning bir qator kamchiliklarimavjud va cheklangan miqyosdagi mijozlarni jalb qilishni taqozo etadi.Mazkur maqolada jismoniy shaxslarni keditlash tizimi, kredit skoring tushunchasi, amaldagi respublikamiz banklariningkreditlash tartib qoidalari va to‘lovga layoqatlilikni aniqlash usullari keltirib o‘tilgan. Shuningdek, xulq-atvor iqtisodiyotiomillariga asoslangan holda kreditlash amaliyotining xorij tajribasi, ilmiy tadqiqotchilar qarashlari va ilmiy ishlari qaydetilgan. Shulardan kelib chiqqan holda, respublikamiz banklari va kredit tashkilotlarida xulq-atvor iqtisodiyoti omilini joriyetishning ahamiyati va istiqbollari yoritilgan.

Suggested Citation

  • Sevara Jo‘rayeva, 2023. "Kreditlash jarayonlarida xulq-atvor iqtisodiyoti omilini joriy etish istiqbollari," GREEN ECONOMY AND DEVELOPMENT, "Ma'rifat-Print-Media" LLC, Tashkent State University of Economics, vol. 1(9), September.
    • Handle: RePEc:teu:ged000:v:1:y:2023:i:9:id:2390
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