O'ZBEKISTON TIJORAT BANKLARIDA RISK-MENEJMENT AMALIYOTINI TAKOMILLASHTIRISH ( HAMKORBANK ATB MISOLIDA)
DOI:
https://doi.org/10.5281/zenodo.17118984Keywords:
Tijorat banklari, risk-menejment, kredit riski, likvidlik riski, valyuta riski, operatsion riski, Basel III, IFRS 9, kapital yetarliligi, qaytmas kreditlar, raqamli texnologiyalar, sun’iy intellekt, big data, blokcheyn, diversifikatsiya, sug‘urta mexanizmlari, xedj vositalari, korporativ boshqaruv, shaffoflik, moliyaviy barqarorlik, xalqaro standartlar.Abstract
Mazkur ilmiy ishda Oʻzbekiston tijorat banklarida risk-menejment amaliyotini takomillashtirish masalalari yoritilgan. Bank tizimida yuzaga keladigan kredit, likvidlik, valyuta va operatsion risklarni samarali boshqarish moliyaviy barqarorlikning asosiy omili sifatida ko‘rib chiqiladi. Tadqiqotda Basel III xalqaro standartlari va IFRS 9 talablari asosida risklarni boshqarish mexanizmlarining milliy amaliyotga tatbiq etilishi tahlil qilingan. Shuningdek, raqamli texnologiyalar, xususan sun’iy intellekt, katta ma’lumotlar (big data) va blokcheyn texnologiyalarining risk-menejment jarayonlarida qo‘llanishi alohida o‘rganilgan. Banklarning kredit portfellarini diversifikatsiya qilish, sug‘urta va xedj vositalaridan foydalanish, shuningdek korporativ boshqaruv va shaffoflikni kuchaytirish orqali risklarni kamaytirishning amaliy yo‘llari taklif etilgan. Natijada, O‘zbekiston tijorat banklarida zamonaviy risk-menejment tizimini joriy etish ularning moliyaviy barqarorligini oshirish, mijozlar ishonchini mustahkamlash va xalqaro moliya bozorida raqobatbardoshligini ta’minlashga xizmat qilishi ta’kidlanadi.
References
Basel Committee on Banking Supervision (2019). Basel III: Finalising post-crisis reforms. Bank for International Settlements.
International Accounting Standards Board (IASB) (2014). IFRS 9 Financial Instruments. London: IFRS Foundation.
Central Bank of the Republic of Uzbekistan (2024). Financial Stability Report 2023. Tashkent: CBU.
Central Bank of the Republic of Uzbekistan (2023). Bank sektorida risk-menejmentni rivojlantirish bo‘yicha ko‘rsatmalar. Tashkent: CBU nashri.
World Bank (2023). Uzbekistan Financial Sector Assessment Program (FSAP). Washington, DC: World Bank Group.
International Monetary Fund (IMF) (2022). Global Financial Stability Report. Washington, DC: IMF.
Karimov, A. (2022). “Tijorat banklarida kredit riskini boshqarishning samarali mexanizmlari.” Iqtisodiyot va moliya jurnali, 3(4), 45–53.
Akhmedov, B. (2023). O‘zbekiston bank tizimida risk-menejmentni takomillashtirish yo‘llari. Tashkent: Fan va texnologiya nashriyoti.
OECD (2021). Risk Management in Financial Institutions: Best Practices. Paris: OECD Publishing.
Allen, L. & Carletti, E. (2018). Risk Management in Banking. 4th ed. Oxford: Oxford University Press.
Khodjayev, M. (2020). “Likvidlik riskini boshqarishning xalqaro tajribasi va O‘zbekiston amaliyoti.” Moliyaviy tahlil jurnali, 2(6), 78–85.
PwC (2022). Risk Management in Banking and Capital Markets. London: PricewaterhouseCoopers.
Deloitte (2021). The Future of Risk Management in Banking: Digital Transformation and Beyond. New York: Deloitte Insights.
Nazarova, D. (2023). “Banklarda operatsion risklarni kamaytirishning zamonaviy yondashuvlari.” Iqtisodiy tadqiqotlar jurnali, 5(2), 112–119.
Chainalysis (2022). The Role of Blockchain in Risk and Compliance. New York: Chainalysis Inc.
