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O‘Zbekiston Bank-Moliya Tizimida Real Sektorni Kreditlash Mexanizmlarini Samarali Joriy Etish Va Xususiy Sektor Rivojiga Ta’Siri

Author

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  • Ikromjon Abduxomidov

Abstract

Mazkur maqolada tijorat banklarining qarz oluvchilarni moliyalashtirish jarayonida qo‘llanayotgan kreditlashmexanizmlarining amaliy xususiyatlari hamda ularni takomillashtirish yo‘llari tahlil qilinadi. Ayniqsa, mijozlarning kreditgalayoqatliligini baholash usullarini takomillashtirish, kredit shartnomalarini aniq va shaffof belgilash, garov siyosatinizamonaviy talablar asosida diversifikatsiya qilish hamda raqamli texnologiyalarni joriy etish orqali kreditlash samaradorliginioshirish masalalari o‘rganilgan.Shuningdek, kredit olish jarayonida uchraydigan muammolar — byurokratik to‘siqlar,to‘lovga qobiliyatni aniqlashdagi noaniqliklar va garov ta’minotining yetarli emasligi kabi omillar ko‘rsatilib, ularni bartarafetish bo‘yicha amaliy tavsiyalar ishlab chiqilgan. Tadqiqot davomida xorijiy bank amaliyoti bilan taqqoslash asosidaO‘zbekistonda xususiy sektor uchun mijozga yo‘naltirilgan, shaffof va tezkor kreditlash tizimini shakllantirishning strategikyondashuvlari taklif qilingan.

Suggested Citation

  • Ikromjon Abduxomidov, 2025. "O‘Zbekiston Bank-Moliya Tizimida Real Sektorni Kreditlash Mexanizmlarini Samarali Joriy Etish Va Xususiy Sektor Rivojiga Ta’Siri," GREEN ECONOMY AND DEVELOPMENT, "Ma'rifat-Print-Media" LLC, Tashkent State University of Economics, vol. 3, October.
    • Handle: RePEc:teu:ged000:v:3:y:2025:id:7780
    DOI: 10.5281/zenodo.17577109
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