TIJORAT BANKLARI LIKVIDLIK SIYOSATINI OPTIMALLASHTIRISH: BASEL III STANDARTLARI ASOSIDA TAHLIL (MOLIYAVIY BARQARORLIKNI TA’MINLASHDA LIKVIDLIK RISKINI KAMAYTIRISH MEXANIZMLARI)
DOI:
https://doi.org/10.5281/zenodo.23160591Abstract
Ushbu maqolada O‘zbekiston tijorat banklarida likvidlilik siyosatini optimallashtirish masalalari keng yoritilgan. Likvidlilikning banklar faoliyatidagi o‘rni, uni boshqarishning nazariy asoslari hamda amaldagi mexanizmlarning samaradorligi tahlil qilingan. Mamlakat tijorat banklarida likvidlikka ta’sir etuvchi omillar, mavjud muammolar va ularni bartaraf etish yo‘llari o‘rganilgan. Tadqiqotda O‘zbekiston bank tizimida qo‘llanilayotgan prudensial talablar xalqaro standartlar, xususan, Basel III me’yorlari bilan solishtirilgan hamda likvidlik siyosatini takomillashtirish bo‘yicha ilmiy-amaliy takliflar ishlab chiqilgan. Maqolada likvidlik risklarini boshqarishda zamonaviy raqamli texnologiyalarning ahamiyati ham yoritilgan. Olingan natijalar tijorat banklarining moliyaviy barqarorligini mustahkamlash, risklarni kamaytirish va boshqaruv samaradorligini oshirishda muhim ilmiy-amaliy ahamiyatga ega.Keywords
likvidlilik, tijorat banklari, likvidlik siyosati, bank risklari, aktiv-passivlarni boshqarish, Basel III, moliyaviy barqarorlik, likvidlik koeffitsiyentlari, O‘zbekiston bank tizimi, prudensial me’yorlar, likvidlikni optimallashtirish, raqamli bank xizmatlari, likvid aktivlar, kredit portfeli, depozitlar barqarorligiReferences
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