TIJORAT BANKLARIDA MIKROKREDITLASH TIZIMINI TAKOMILLASHTIRISHDA ZAMONAVIY YONDASHUVLAR
DOI:
https://doi.org/10.5281/zenodo.16757478Keywords:
mikrokreditlash, tijorat banklari, moliyaviy inklyuzivlik, kredit skoring, raqamli texnologiyalar, fintech, mobil banking, kredit riski, kichik biznes, kredit siyosati.Abstract
Mikrokreditlash tizimi rivojlanayotgan mamlakatlarda, xususan, O‘zbekistonda tadbirkorlik subyektlarini qo‘llab-quvvatlash va ijtimoiy-iqtisodiy barqarorlikni ta’minlashda muhim rol o‘ynaydi. Ushbu maqolada tijorat banklarining mikromoliyalashtirishdagi ishtiroki, mavjud muammolar va ularni bartaraf etish yo‘llari tahlil qilinadi. Jumladan, raqamli texnologiyalar, kredit skoring tizimlari, fintech kompaniyalar bilan integratsiya, mobil banking xizmatlarining kengayishi kabi zamonaviy yondashuvlar orqali mikrokreditlash tizimini takomillashtirish imkoniyatlari ko‘rib chiqiladi. Anorbank AJ va boshqa tijorat banklari misolida o‘zbek bank tizimidagi ilg‘or amaliyotlar va xalqaro tajriba solishtiriladi. Tahlil natijalariga asoslanib, mikrokreditlash samaradorligini oshirishga qaratilgan taklif va tavsiyalar ishlab chiqilgan. Mazkur tadqiqot bank-moliya sohasi mutaxassislari, ilmiy izlanuvchilar va siyosat yurituvchilar uchun amaliy ahamiyatga ega bo‘lishi mumkin.
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