TIJORAT BANKLARI RAQOBATBARDOSHLIGINING MOLIYAVIY BARQARORLIK KO‘RSATKICHLARIGA TA’SIRINI BAHOLASH
DOI:
https://doi.org/10.5281/zenodo.18938495Keywords:
bank raqobati, bozor konsentratsiyasi, HHI, moliyaviy barqarorlik, Z-score, panel tahlilAbstract
Mazkur maqolada tijorat banklari raqobatbardoshligining moliyaviy barqarorlikka ta’siri empirik jihatdan tahlil
qilingan. Tadqiqot 2021–2025-yillar davomida O‘zbekistonning 4 ta yirik tijorat banki bo‘yicha panel ma’lumotlar asosida
amalga oshirildi. Bank bozori konsentratsiyasi kredit portfeli ulushlari asosida hisoblangan Herfindahl–Hirschman indeksi
(HHI) orqali, moliyaviy barqarorlik esa Z-score ko‘rsatkichi yordamida baholandi. Panel regressiya natijalariga ko‘ra, HHI
koeffitsiyenti musbat va statistik jihatdan ahamiyatli ekani aniqlandi. Olingan natijalar bozor konsentratsiyasining ma’lum
darajada saqlanishi milliy bank tizimida moliyaviy barqarorlikni mustahkamlashga xizmat qilishini ko‘rsatdi. Tadqiqot
natijalari raqobat siyosatini shakllantirishda moliyaviy barqarorlik omillarini hisobga olish zarurligini asoslaydi
References
Berger A.N., Klapper L.F., Turk-Ariss R. Bank competition and financial stability // Journal of Financial Services
Research. – 2009. – Vol. 35. – No. 2. – P. 99–118.
Boyd J.H., De Nicolo G. The theory of bank risk taking and competition revisited // Journal of Finance. – 2005. – Vol.
– No. 3. – P. 1329–1343.
Beck T., Demirgüç-Kunt A., Levine R. Bank concentration, competition, and crises // Journal of Banking & Finance. –
– Vol. 30. – No. 5. – P. 1581–1603.
Herfindahl O.C. Concentration in the U.S. Steel Industry. – New York: Columbia University, 1950. – 234 p.
Hirschman A.O. The paternity of an index // American Economic Review. – 1964. – Vol. 54. – No. 5. – P. 761–762.
Laeven L., Levine R. Bank governance, regulation and risk taking // Journal of Financial Economics. – 2009. – Vol.
– No. 2. – P. 259–275.
Schaeck K., Cihak M., Wolfe S. Are competitive banking systems more stable? // Journal of Money, Credit and
Banking. – 2009. – Vol. 41. – No. 4. – P. 711–734.
Tabak B. M., Fazio D. M., Cajueiro D. O. The relationship between banking market competition and risk-taking //
Journal of Banking & Finance. – 2012. – Vol. 36. – No. 5. – P. 1404–1412.
O‘zbekiston Respublikasi Markaziy banki. Tijorat banklari statistik ma’lumotlari (2021–2025 yy.). – URL: https://cbu.uz
Wooldridge J. M. Introductory Econometrics: A Modern Approach. – 5th ed. – Boston: Cengage Learning, 2013. – 912 p.
Guidi F. Concentration, competition and financial stability in the South-East Europe banking context // International
Review of Economics & Finance. – 2021. – Vol. 76. – P. 639–670. – DOI: https://doi.org/10.1016/j.iref.2021.07.005
Yuan T.-T., Gu X.-A., Yuan Y.-M., Lu J.-J., Ni B.-P. Research on the impact of bank competition on stability: Empirical
evidence from 4631 banks in the US // Heliyon. – 2022. – Vol. 8. – Iss. 4. – e09273. – DOI: https://doi.org/10.1016/j.
heliyon.2022.e09273
Riadi S. S., Hadjaat M., Yudaruddin R. Bank concentration and bank stability during the COVID-19 pandemic //
Emerging Science Journal. – 2022. – Vol. 6. – Special Issue “COVID-19: Emerging Research”. – DOI: http://dx.doi.
org/10.28991/esj-2022-SPER-018
Nguyen D. T., Le T. D. Q., Tran S. Competition and bank financial stability: Evidence from an emerging economy //
Cogent Business & Management. – 2024. – Vol. 11. – No. 1. – Article 2365422. – DOI: https://doi.org/10.1080/23311
2024.2365422
Antwi F., Kong Y., Gyimah K. N. Financial inclusion, competition and financial stability: New evidence from developing
economies // Heliyon. – 2024. – DOI: https://doi.org/10.1016/j.heliyon.2024.e33723
Downloads
Published
Issue
Section
License
Copyright (c) 2026 MUHANDISLIK VA IQTISODIYOT
This work is licensed under a Creative Commons Attribution 4.0 International License.