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Barqaror rivojlanish doirasida jismoniy shaxslarni kreditlash tizimini isloh qilishning institutsional asoslari

Author

Listed:
  • Zoya Xalekeyeva
  • Akmal Abdurahmonov

Abstract

Ushbu maqolada jismoniy shaxslarni kreditlash tizimini barqaror rivojlanish tamoyillari asosida islohqilishning zaruriyati va institutsional asoslari har tomonlama tahlil qilinadi. Bugungi kunda O‘zbekiston iqtisodiyotidajismoniy shaxslar uchun mo‘ljallangan kredit mahsulotlariga bo‘lgan talab ortib borayotgan bir vaqtda, ushbu tizimdamavjud bo‘lgan muammolar – kredit risklarini baholashdagi noaniqlik, kredit tarixining yetarlicha shakllanmaganligi,moliyaviy savodxonlikning pastligi va tartibga solish institutlarining zaifligi tizimni chuqur islohotlarni talab etayotgansoha sifatida namoyon etmoqda. Maqolada ushbu tizimni isloh qilishda samarali institutsional mexanizmlar – raqamlitexnologiyalarni joriy etish, kredit axborot tizimlarini kuchaytirish, normativ-huquqiy bazani takomillashtirish va moliyaviyinkluzivlikni kengaytirish bo‘yicha aniq taklif va tavsiyalar ilgari suriladi. Shuningdek, maqolada xorijiy davlatlar tajribasiasosida O‘zbekistonda qo‘llanilishi mumkin bo‘lgan model va yondashuvlar asoslab beriladi. Bu orqali barqaror rivojlanishsharoitida jismoniy shaxslar uchun ishonchli va samarali kreditlash tizimini shakllantirishning asosiy yo‘nalishlari ochibberiladi.

Suggested Citation

  • Zoya Xalekeyeva & Akmal Abdurahmonov, 2025. "Barqaror rivojlanish doirasida jismoniy shaxslarni kreditlash tizimini isloh qilishning institutsional asoslari," GREEN ECONOMY AND DEVELOPMENT, "Ma'rifat-Print-Media" LLC, Tashkent State University of Economics, vol. 3(7), July.
    • Handle: RePEc:teu:ged000:v:3:y:2025:i:7:id:6320
    DOI: 10.5281/zenodo.15880385
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