TIJORAT BANKLARINING IQTISODIY XAVFSIZLIGINI TA’MINLASH BOʻYICHA XORIJIY TAJRIBALARI
DOI:
https://doi.org/10.5281/zenodo.19386876Keywords:
iqtisodiy xavfsizlik, tijorat banklari, xatarlarni boshqarish, moliyaviy barqarorlik, bank faoliyatini tartibga solish, likvidlik xavfi, stress-test, korporativ boshqaruv, kiberxavfsizlik, raqamli bank ishi, makroprudensial siyosat, xalqaro bank tajribasi.Abstract
Tijorat banklarining iqtisodiy xavfsizligini ta’minlash global moliyaviy beqarorlik, raqamli transformatsiya
va tizimli xatarlar kuchayib borayotgan sharoitda muhim ilmiy-amaliy masalaga aylanmoqda. Mazkur tadqiqot tijorat
banklarining iqtisodiy xavfsizligini mustahkamlash bo‘yicha xorijiy tajribani tahlil qilishga bag‘ishlangan bo‘lib, unda
xalqaro me’yoriy-huquqiy bazalar, xatarlarni boshqarish amaliyoti va institutsional mexanizmlar o‘rganiladi. Qiyosiy
tahlilga asoslangan sifatli metodologiya doirasida Basel Committee on Banking Supervision tomonidan ishlab chiqilgan
Bazel III standartlari, shuningdek, Yevropa Ittifoqi va AQSh tajribasi baholandi. Tadqiqot natijalari shuni ko‘rsatadiki,
iqtisodiy xavfsizlikni ta’minlash integratsiyalashgan xatarlarni boshqarish tizimlari, kapital yetarliligini tartibga solish,
stress-test mexanizmlari va raqamli xatarlarni monitoring qilish vositalari orqali amalga oshiriladi. Shu bilan birga, xalqaro
ilg‘or tajribalarni milliy iqtisodiy sharoitlarga moslashtirish zarurligi asoslab berildi. Tadqiqot tijorat banklarida moliyaviy
barqarorlik va institutsional chidamlilikni oshirishga qaratilgan metodologik yondashuvlarni takomillashtirishga xizmat
qiladi.
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