TIJORAT BANKLARNING PASSIV VA AKTIV OPERATSIYALARI BO‘YICHA FOIZ SIYOSATINI TAKOMILLASHTIRISH ISTIQBOLLARI
DOI:
https://doi.org/10.5281/zenodo.23104833Abstract
Mazkur maqolada tijorat banklarida foiz siyosatini takomillashtirishning depozit va kredit operatsiyalari bilan bog‘liq amaliy hamda metodik jihatlari tadqiq etilgan. Tadqiqotda depozit foiz stavkalarini depozit hajmi va muddatiga mutanosib ravishda differensiallashtirish mexanizmi taklif etilib, bank resurs bazasini shakllantirishda foiz stavkalaridan samarali foydalanish imkoniyatlari asoslangan. Shuningdek, tijorat banklari foiz siyosati samaradorligini kompleks baholash maqsadida 9 ta asosiy ko‘rsatkichni qamrab oluvchi ballik baholash moduli ishlab chiqilgan. Mazkur modul banklarning samaradorligini hamda foiz riskini tavsiflovchi ko‘rsatkichlarni yagona baholash tizimida umumlashtirish imkonini beradi. Tadqiqotning yana bir yo‘nalishida o‘rtacha tortilgan kredit va depozit foiz stavkalarining dinamikasi ekonometrik usullar asosida tahlil qilinib, ularning 2030-yilgacha bo‘lgan prognoz qiymatlari shakllantirilgan.Keywords
foiz siyosati, depozit foiz stavkasi, kredit foiz stavkasi, foiz stavkalarini differensiallashtirish, o‘rtacha tortilgan foiz stavkasi, sof foizli marja, foiz siyosati samaradorligi, ballik baholashReferences
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www.cbu.uz – O‘zbekiston Respublikasi Markaziy banki rasmiy sayti.
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