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Tijorat Banklarida Kredit Operatsiyalari Samaradorligini Oshirish Uchun Resurslar Yetarliligini Ta’Minlash Masalalari

Author

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  • Olimjon Sheraliyev

Abstract

Tijorat banklarida kredit operatsiyalari samaradorligini oshirish uchun resurslar yetarliliginita’minlash masalalari tadqiq etilgan. Tadqiqotda O‘zbekiston Respublikasi Markaziy bankining statistikma’lumotlari asosida bank sektorining kapital yetarliligi, likvidligi, daromadliligi va moliyaviy resurs bazasi holatitahlil qilingan. Xususan, banklarning regulyativ kapitali, kapital yetarliligi koeffitsientlari, yuqori likvid aktivlari,likvidlik ko‘rsatkichlari hamda rentabellik indikatorlarining dinamikasi baholangan.Tahlil natijalari bank sektorida kredit operatsiyalarini kengaytirish va iqtisodiyotning real sektorinimoliyalashtirish uchun yetarli moliyaviy salohiyat shakllanganligini ko‘rsatdi. Banklar kapital bazasiningmustahkamlanishi, likvidlik ko‘rsatkichlarining xalqaro me’yoriy talablardan yuqori darajada shakllanishi hamdarentabellik ko‘rsatkichlarining ijobiy dinamikasi kredit operatsiyalarini samarali amalga oshirishning muhimomillari ekanligi aniqlandi. Shu bilan birga, kredit operatsiyalari samaradorligini yanada oshirish maqsadidadepozit bazasini kengaytirish, uzoq muddatli moliyalashtirish manbalarini diversifikatsiya qilish, kapitalizatsiyadarajasini oshirish va resurslarni boshqarish samaradorligini kuchaytirish zarurligi asoslab berildi.Olingan natijalar tijorat banklarida kredit operatsiyalarini moliyalashtirish imkoniyatlarini kengaytirish,moliyaviy barqarorlikni mustahkamlash hamda kreditlash faoliyati samaradorligini oshirishga xizmat qiladi

Suggested Citation

  • Olimjon Sheraliyev, 2026. "Tijorat Banklarida Kredit Operatsiyalari Samaradorligini Oshirish Uchun Resurslar Yetarliligini Ta’Minlash Masalalari," GREEN ECONOMY AND DEVELOPMENT, "Ma'rifat-Print-Media" LLC, Tashkent State University of Economics, vol. 4(6), June.
    • Handle: RePEc:teu:ged000:v:4:y:2026:i:6:id:10945
    DOI: 10.5281/zenodo.20677176
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