BANKLAR VA KRIPTOVALYUTALAR: O'ZARO MUNOSABATLAR VA XAVF-XATARLAR
DOI:
https://doi.org/10.5281/zenodo.16752898Keywords:
Banklar, kriptovalyutalar, blokcheyn texnologiyasi, raqamli aktivlar, regulyatsiya, moliyaviy barqarorlik, xavf-xatarlar, markaziy bank raqamli valyutasi (CBDC), moliyaviy innovatsiyalar, raqamli transformatsiya, AML/CFT, DeFi, stablecoinlar, tokenlashtirish, kriptotizimlar.Abstract
Ushbu ilmiy tezisda zamonaviy bank tizimi va kriptovalyutalar o‘rtasidagi o‘zaro munosabatlar, ularning moliyaviy muhitdagi integratsiyasi hamda yuzaga keladigan asosiy xavf-xatarlar har tomonlama o‘rganiladi. An’anaviy bank tizimi markazlashgan boshqaruvga asoslangan bo‘lsa, kriptovalyutalar markazlashmagan va ochiq kodli texnologiyalar asosida faoliyat yuritadi. Mazkur qarama-qarshi yondashuvlar banklarning regulyativ roli, to‘lov tizimlaridagi ishtiroki va mijozlar bilan ishlash amaliyotiga jiddiy ta’sir ko‘rsatmoqda. Tadqiqotda banklar tomonidan kriptoaktivlarga nisbatan shakllanayotgan strategiyalar, ularni qabul qilish yoki qarshilik ko‘rsatish holatlari, shuningdek, moliyaviy barqarorlik, AML/CFT xavflari va texnologik risklar yoritiladi. O‘zbekiston va boshqa davlatlar tajribasi asosida takliflar ishlab chiqiladi.
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