TIJORAT BANKLARI MOLIYAVIY BARQARORLIGINI TAʼMINLASH VA MUSTAHKAMLASHNING KOMPLEKS MEXANIZMLARINI TAKOMILLASHTIRISH
DOI:
https://doi.org/10.5281/zenodo.23051354Abstract
Maqolada Oʻzbekiston tijorat banklari moliyaviy barqarorligini taʼminlash va mustahkamlashning kompleks mexanizmlari tadqiq etilgan. Empirik baza 2021–2025-yillardagi yillik qiyosiy maʼlumotlar, 2021Q1–2025Q4 davridagi 260 ta bank-chorak kuzatuvli panel, raqamlashtirish sub-tanlanmasi va 14 ta bank boʻyicha prognoz maʼlumotlarini qamrab oladi. Tadqiqot natijasida koʻp mezonli integral baholash metodologiyasi, milliy maʼlumotlarga moslashtirilgan erta ogohlantirish tizimi, NPL va rentabellik oʻrtasidagi panel-ekonometrik bogʻliqlik, kapital-likvidlilikni boshqarish algoritmi, ssenariyli stress-test va oʻrta muddatli prognozlash mexanizmi hamda “Smart Banking – Financial Stability” konseptual modeli asoslandi. Taklif etilgan yondashuvlar baholash, erta aniqlash, boshqaruv va prognozlashni yagona qaror sikliga integratsiya qiladi.Keywords
moliyaviy barqarorlik, FSIS, NPL, erta ogohlantirish, panel ekonometrika, kapital yetarliligi, likvidlilik, stresstest, ssenariyli prognoz, raqamli bankReferences
Basel Committee on Banking Supervision. Basel Framework. Basel: Bank for International Settlements. URL: https:// www.bis.org/basel_framework/.
International Monetary Fund. Financial Soundness Indicators Compilation Guide 2019. Washington, DC: IMF, 2019.
European Central Bank Banking Supervision. Supervisory Banking Statistics for Significant Institutions – Fourth Quarter 2025. Frankfurt am Main: ECB, March 2026.
Oʻzbekiston Respublikasi Prezidentining 2020-yil 12-maydagi “2020–2025-yillarga moʻljallangan Oʻzbekiston Respublikasining bank tizimini isloh qilish strategiyasi toʻgʻrisida” PF-5992-son Farmoni. https://lex.uz/docs/-4811025
Mishkin, F.S. The Economics of Money, Banking and Financial Markets. 12th ed. Boston: Pearson Education, 2019.
Rose, P.S. Commercial Bank Management. 5th ed. New York: McGraw-Hill, 2002.
Sinkey, J.F. Commercial Bank Financial Management in the Financial-Services Industry. 6th ed. Upper Saddle River, NJ: Prentice Hall, 2002.
Adrian, T., Shin, H.S. Liquidity and Leverage. Journal of Financial Intermediation, 2010, 19(3), pp. 418–437.
Laeven, L., Valencia, F. Systemic Banking Crises Database. IMF Economic Review, 2013, 61(2), pp. 225–270.
Población García, F.J., Suárez, N. A Study on the Interaction of Capital, Liquidity and Bank Stability. ECB Working Paper Series, No. 3134, 2025.
Basel Committee on Banking Supervision. Digitalisation of Finance. Basel: Bank for International Settlements, 16 May 2024. URL: https://www.bis.org/publications/digitalisation-finance.
Лаврушин, О. И., Бровкина, Н. Е., Валенцева, Н. И., et al. (2022). Банковское дело: учебник / под ред. О.И. Лаврушина. КноРус.
Abdullayeva, Sh. Z. (2017). Bank ishi: darslik. Iqtisod-Moliya.
Oʻzbekiston Respublikasi Markaziy banki. Tijorat banklarining asosiy koʻrsatkichlari va muammoli kreditlar statistikasi, 2021–2025. URL: https://cbu.uz/uz/statistics/bankstats/.
Tanlanmadagi tijorat banklari. Rasmiy choraklik va yillik hisobotlar hamda auditdan oʻtgan konsolidatsiyalangan moliyaviy hisobotlar, 2021–2025.
Downloads
Published
Issue
Section
License
Copyright (c) 2026 MUHANDISLIK VA IQTISODIYOT
This work is licensed under a Creative Commons Attribution 4.0 International License.
