Moliyaviy innovatsiyalarni banklarga joriy etishning afzalliklari
DOI:
https://doi.org/10.5281/zenodo.17211865Keywords:
moliyaviy innovatsiya, bank sektori, barqarorlik, bank mahsulotlarini rivojlantirish, moliyaviy xavfsizlikAbstract
Global bank tizimi doimo o‘sib va rivojlanib borayotgan bir davrda moliyaviy innovatsiyalarning sohaga
jalb qilinishi samaradorlikni oshirish va risklarni boshqarishning muhim manbayi sifatida namoyon bo‘ladi. Moliyaviy
innovatsiyalar yangi mahsulotlar, xizmatlar va texnologiyalarni joriy etish orqali banklarning iqtisodiyotdagi samaradorligini
kuchaytirish, moliyaviy xizmatlardan foydalanish imkoniyatlarini kengaytirish hamda xavf va foyda o‘rtasidagi muvozanatni
yaxshilashni maqsad qiladi. Shuning uchun mazkur tadqiqot bank sektorida moliyaviy innovatsiyalar joriy etilishining
afzalliklarini o‘rganishga qaratilgan. Shuningdek, banklarning moliyaviy innovatsiyalar orqali risklarni boshqarish,
diversifikatsiya, samaradorlik, likvidlikni tartibga solish, kapital yetarliligini ta’minlash, bozor imkoniyatlaridan foydalanish
va me’yoriy talablarni bajarish imkoniyatlarini tahlil qilish ham tadqiqot ishining maqsadlari hisoblanadi
References
O‘zbekiston Respublikasining Qonuni, 24.07.2020 yildagi O‘RQ-630-son
Lee I., Shin Y.J., 2018, Fintech: Ecosystem, business models, investment decisions, and challenges, Business
Horizons, 61
Oslo Manual. Guidelines for Collecting and Interpreting Innovation Data. Third Edition, 2005,
OECD, European Commission,https://www.oecdilibrary.org/docserver/9789264013100en.
pdf?expires=1526143498&id=id&accname=guest&checksum=10D3DD36FDF5F08B037B3056B067CC70
(21.06.2018).
Arner D., Barberis J.N., Buckley R., 2015, The Evolution of FinTech: A New Post-Crisis Paradigm?, University of Hong
Kong Faculty of Law Research Paper 47, Hong Kong.
Nicoletti B., 2017, The Future of FinTech: Integrating Finance and Technology in Financial Services, Palgrave
Macmillan, Basingstoke, New York
Zaleska M., 2018a, Blockchain technology will revolutionise the world, Polish Market, 5
Hon W.K., Millard C., 2018, Banking in the cloud: Part 1 – banks’ use of cloud services, Computer Law & Security
Review, 3
Zaleska M., 2018b, Innowacyjna bankowość, Gazeta Bankowa, 7 Kondraciuk P., Kurkliński L., 2018
https://jier.org/index.php/journal/article/view/682/595
https://academy-of-business.com/innovation-in banking
https://www.polarismarketresearch.com/press-releases/artificial-intelligence-in-banking-market
Published
Issue
Section
License
Copyright (c) 2025 MUHANDISLIK VA IQTISODIYOT
This work is licensed under a Creative Commons Attribution 4.0 International License.