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Bank filial tarmoqlari samaradorligini baholashning xorijiy tajribasi va undan O‘zbekiston banklari amaliyotida foydalanish imkoniyatlari

Author

Listed:
  • Og‘abek Xoshimov

Abstract

Mazkur maqolada AQSh tijorat banklarining filial tarmoqlari rivojlanish tendensiyalari hamda raqamli bankxizmatlari integratsiyasining samaradorlikka ta’siri ilmiy jihatdan tahlil qilindi. 2017–2023-yillar statistik ma’lumotlariasosida banklar soni, filial tarmoqlari, aktivlar va kapital rentabelligi, harakatsiz aktivlar ulushi hamda sof foiz marjasikabi asosiy ko‘rsatkichlar o‘rganildi. Tadqiqot natijalari shuni ko‘rsatdiki, banklar soni qisqarishiga qaramay, AQSh tijoratbanklari filial tarmoqlarining keng miqyosini saqlab qolmoqda va ularni raqamli xizmatlar bilan uyg‘unlashtirishga e’tiborqaratmoqda. Gibrid filial modeli mijozlar ehtiyojlarini qondirish, moliyaviy xavflarni kamaytirish va uzoq muddatli barqarorrivojlanishni ta’minlashda muhim ahamiyat kasb etadi. Ushbu tajriba O‘zbekiston bank tizimida zamonaviy boshqaruvmexanizmlarini joriy etishda qo‘llash uchun amaliy ahamiyatga ega

Suggested Citation

  • Og‘abek Xoshimov, 2025. "Bank filial tarmoqlari samaradorligini baholashning xorijiy tajribasi va undan O‘zbekiston banklari amaliyotida foydalanish imkoniyatlari," GREEN ECONOMY AND DEVELOPMENT, "Ma'rifat-Print-Media" LLC, Tashkent State University of Economics, vol. 3(9), September.
  • Handle: RePEc:teu:ged000:v:3:y:2025:i:9:id:6914
    DOI: 10.5281/zenodo.17116986
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