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Rivojlangan Davlatlar Bank Ekotizimlari Va O‘Zbekiston Bank Ekotizimlarining Rivojlanishi Va Qiyosiy Tahlili

Author

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  • X.R. Aliyev

Abstract

Mazkur maqolada rivojlangan mamlakatlarda shakllangan bank ekotizimlarining institutsional tuzilishi,raqamli arxitekturasi va boshqaruv mexanizmlari O‘zbekiston bank tizimida shakllanayotgan ekotizim elementlari bilanqiyosiy tahlil qilingan. Tadqiqot jarayonida qiyosiy institutsional tahlil, tizimli yondashuv hamda platformaviy arxitekturatahlili usullaridan foydalanildi. Shuningdek, xalqaro moliya institutlari va konsalting tashkilotlarining so‘nggi yillardagitahliliy hisobotlari hamda raqamli bankchilik va fintek rivojlanishiga oid ilmiy manbalar tadqiqotning axborot bazasini tashkiletdi. Tahlil natijalariga ko‘ra, rivojlangan davlatlarda bank ekotizimlari platformaviy arxitektura, ochiq API integratsiyalarva fintek subyektlari bilan strategik hamkorlikka asoslangan biznes modellari orqali faoliyat yuritadi. O‘zbekistondaesa bank ekotizimlarining rivojlanishi bosqichma-bosqich amalga oshirilmoqda, raqamli infratuzilmaning kengayishigaqaramasdan, davlat banklarining yuqori ulushi, institutsional cheklovlar va korporativ boshqaruv samaradorligining yetarliemasligi ekotizimlarning to‘liq shakllanish jarayonini sekinlashtirmoqda. Tadqiqot natijalari asosida O‘zbekiston banktizimi uchun rivojlangan davlatlar tajribasiga tayangan holda lokallashtirilgan bank ekotizimi konseptual modeli va uni joriyetish bo‘yicha amaliy tavsiyalar ishlab chiqildi.

Suggested Citation

  • X.R. Aliyev, 2026. "Rivojlangan Davlatlar Bank Ekotizimlari Va O‘Zbekiston Bank Ekotizimlarining Rivojlanishi Va Qiyosiy Tahlili," GREEN ECONOMY AND DEVELOPMENT, "Ma'rifat-Print-Media" LLC, Tashkent State University of Economics, vol. 4(1), January.
    • Handle: RePEc:teu:ged000:v:4:y:2026:i:1:id:8737
    DOI: 10.5281/zenodo.18212774
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