TIJORAT BANKLARIDA RESURS BAZASI SHAKLLANISHINING RIVOJLANISH TENDENSIYALARI
DOI:
https://doi.org/10.5281/zenodo.19190081Keywords:
tijorat banklari, resurs bazasi, depozit, kredit, bank kapitali, jalb qilingan mablag‘lar, qarz mablag‘lari, passiv operatsiyalar, moliyaviy barqarorlik, depozit siyosati, kredit portfeliAbstract
Mazkur maqolada tijorat banklarida resurs bazasining shakllanishining nazariy va amaliy jihatlari hamda
uning rivojlanish tendensiyalari tahlil qilingan. Bank resurslari tarkibi, ularning shakllanish manbalari hamda passiv
operatsiyalar orqali shakllanish mexanizmi o‘rganilgan. Shuningdek, tadqiqot davomida O‘zbekiston bank tizimida
2021–2025-yillar davomida kreditlar va depozitlar hajmining o‘zgarish dinamikasi statistik ma’lumotlar asosida tahlil
qilingan hamda kredit va depozitlar o‘rtasidagi nisbat ko‘rsatkichlarini hisoblash orqali bank tizimining resurs bazasi
bilan ta’minlanganlik darajasi baholangan. Tahlil natijalariga ko‘ra, bank tizimida depozitlar va kreditlar hajmi barqaror
o‘sib borayotgani, ayniqsa xususiy banklarning kreditlash va depozit jalb qilish faoliyati sezilarli darajada faollashgani
aniqlangan.
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