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O‘Zbekistondagi Yetakchi Tijorat Banklarining Kreditlari Va Depozitlarining Tahlili

Author

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  • Odiljon Shodiyev

Abstract

Ushbu maqolada O‘zbekiston Respublikasidagi yetakchi tijorat banklarining kredit portfeliningdepozitlarga nisbati chuqur iqtisodiy va statistik o‘rganilgan. Ushbu mavzuning dolzarbligi qat’iy pul-kreditsiyosati va institutsional islohotlar sharoitida tijorat banklarining faol va passiv operatsiyalarini muvozanatlashzaruratidan kelib chiqadi. Tahlilning asosiy obyekti mamlakatdagi o‘nta eng yirik bankning, jumladan,O‘zmilliybank, O‘zsanoatqurilishbank, Agrobank va Ipoteka bankining faoliyati hisoblanadi. Maqolada likvidlikxavfi darajasi va jamg‘armalarni investitsiyalarga aylantirish samaradorligini aks ettiruvchi LTD (Loan-to-DepositRatio) hisoblab chiqiladi va tahlil qilinadi. Ko‘pgina davlat banklarida kreditlash hajmlarining depozitlardansezilarli darajada oshib ketishida namoyon bo‘ladigan asosiy tarkibiy nomutanosibliklar aniqlangan. Olingannatijalar asosida mintaqada tizimli moliyaviy barqarorlikni ta’minlash uchun uzoq muddatli chakana resurslarnijalb qilish va kredit ifodasini optimallashtirish bo‘yicha bir qator amaliy tavsiyalar taklif qilingan.

Suggested Citation

  • Odiljon Shodiyev, 2026. "O‘Zbekistondagi Yetakchi Tijorat Banklarining Kreditlari Va Depozitlarining Tahlili," 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:11502
    DOI: 10.5281/zenodo.21201536
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