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Sanoat Korxonalarini Rivojlantirishda Tijorat Banklarining Roli

Author

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  • Mirramizjon Mirzokirov

Abstract

Ushbu maqola O‘zbekiston iqtisodiyotining yetakchi tarmog‘i hisoblangan sanoat korxonalarinirivojlantirishda, ularni modernizatsiya qilishda hamda innovatsion faoliyatini qo‘llab-quvvatlashda tijorat banklariningtutgan o‘rni va ishtirokini kompleks tahlil qilishga bag‘ishlangan. Sanoat tarmoqlari mamlakat yalpi ichki mahsuloti(YaIM) ning salmoqli qismini shakllantirib, aholini ish bilan ta'minlash, eksport salohiyatini oshirish hamda makroiqtisodiybarqarorlikni ta'minlashda hal qiluvchi ahamiyat kasb etadi. Sanoatni rivojlantirish ko‘p jihatdan barqaror va arzonmoliyaviy resurslarga, xususan, uzoq muddatli bank kreditlariga bog‘liq. Tadqiqotning asosiy maqsadi — tijorat banklaritomonidan sanoat sektoriga ajratilayotgan kredit qoyilmalarining hajmi, tuzilmasi va samaradorligini baholash, mavjudmuammolarni aniqlash hamda bank-sanoat integratsiyasini takomillashtirish bo‘yicha ilmiy asoslangan takliflar ishlabchiqishdan iborat. Tadqiqot jarayonida tizimli tahlil, qiyosiy o‘rganish, iqtisodiy-statistik guruhlash hamda ekonometrikmodellashtirish (korrelyatsion-regression tahlil) usullaridan foydalanildi. Natijalar shuni ko‘rsatmoqdaki, tijorat banklariningkredit portfelida sanoat korxonalarining ulushi ortib borayotgan bo‘lsa-da, uzoq muddatli loyihalarni moliyalashtirishdafoiz stavkalarining yuqoriligi va garov ta'minoti bilan bog‘liq qiyinchiliklar o‘sish sur'atlarini cheklamoqda. Ekonometriktahlil natijalari tijorat banklari kreditlari hajmi va sanoat ishlab chiqarish hajmi o‘rtasida kuchli to‘g‘ridan-to‘g‘ri bog‘liqlikmavjudligini isbotladi. Xulosa o‘rnida sanoat korxonalariga xizmat ko‘rsatishda sindikatlashgan kreditlarni joriy etish, loyihamoliyalashtirish mexanizmlarini kengaytirish va raqamli bank xizmatlarini rivojlantirish kabi amaliy tavsiyalar keltirilganbo‘lib, ular mamlakat sanoatining globallashuv sharoitida raqobatbardoshligini oshirishga xizmat qiladi.

Suggested Citation

  • Mirramizjon Mirzokirov, 2026. "Sanoat Korxonalarini Rivojlantirishda Tijorat Banklarining Roli," GREEN ECONOMY AND DEVELOPMENT, "Ma'rifat-Print-Media" LLC, Tashkent State University of Economics, vol. 4(4), April.
    • Handle: RePEc:teu:ged000:v:4:y:2026:i:4:id:10003
    DOI: 10.5281/zenodo.19592214
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