RAQAMLI TRANSFORMATSIYA SHAROITIDA TIJORAT BANKLARI LIKVIDLIGINI BOSHQARISHNI TAKOMILLASHTIRISHNING INNOVATSION YONDASHUVLARI

Rustam Yangiboev

doi:10.5281/zenodo.19499712

RAQAMLI TRANSFORMATSIYA SHAROITIDA TIJORAT BANKLARI LIKVIDLIGINI BOSHQARISHNI TAKOMILLASHTIRISHNING INNOVATSION YONDASHUVLARI

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Yangiboev Rustam Berdiyarovich

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https://doi.org/10.5281/zenodo.19499712

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raqamli texnologiyalar, bank likvidliligi, fintex, mobil banking, onlayn kreditlash, VAR modeli, ARDL modeli, LSTM, raqamli transformatsiya, bank risklari.

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Mazkur maqolada zamonaviy raqamli texnologiyalarning tijorat banklari likvidliligiga ta’siri O‘zbekiston bank
tizimi misolida 2018–2025-yillar ma’lumotlari asosida kompleks baholangan. Tadqiqotda iqtisodiy-statistik va ekonometrik
usullar, jumladan regressiya tahlili, VAR va ARDL modellari hamda sun’iy intellektga asoslangan LSTM modeli qo‘llanilgan.
Olingan natijalar raqamli tranzaksiyalar va mobil banking xizmatlari bank likvidliligiga ijobiy ta’sir ko‘rsatishini, onlayn
kreditlash esa qisqa muddatda likvidlik risklarini oshirishini ko‘rsatdi. Dinamik tahlil raqamli texnologiyalar ta’sirining vaqt
bo‘yicha nosimmetrik xarakterga ega ekanini tasdiqladi: qisqa muddatda likvidlikda o‘zgaruvchanlik kuchaysa, uzoq
muddatda likvidlik barqarorligi va samaradorligi oshadi.

Биография автора

Yangiboev Rustam Berdiyarovich

Mirzo Ulug‘bek nomidagi
O‘zbekiston milliy universiteti mustaqil izlanuvchisi

Библиографические ссылки

Arner, D. W., Barberis, J., & Buckley, R. P. (2016). The evolution of fintech: A new post-crisis paradigm. Georgetown

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Thorsten Beck (2020). Finance in the digital age: FinTech and financial stability. Journal of Financial Stability, 47,

https://doi.org/10.1016/j.jfs.2020.100833

Stijn Claessens, Frost, J., Turner, G., & Zhu, F. (2018). Fintech credit markets around the world: Size, drivers and

policy issues. Review of Financial Studies, 31(12), 4767–4821. https://doi.org/10.1093/rfs/hhy043

Andrew W. Lo (2017). Adaptive markets and machine learning. Review of Financial Studies, 30(11), 3659–3660.

https://doi.org/10.1093/rfs/hhx054

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Research Working Paper, No. 22952. https://doi.org/10.3386/w22952

International Monetary Fund (2022). Digital money and banking stability. Washington, D.C.

World Bank (2021). The Global Findex Database 2021: Financial inclusion, digital payments, and resilience in the age

of COVID-19. Washington, D.C.

O‘zbekiston Respublikasi Markaziy banki (2018–2025). Rasmiy statistik ma’lumotlar. Toshkent.

O‘zbekiston Respublikasi Statistika agentligi (2018–2025). Rasmiy statistik to‘plamlar. Toshkent.

RAQAMLI TRANSFORMATSIYA SHAROITIDA TIJORAT BANKLARI LIKVIDLIGINI BOSHQARISHNI TAKOMILLASHTIRISHNING INNOVATSION YONDASHUVLARI

RAQAMLI TRANSFORMATSIYA SHAROITIDA TIJORAT BANKLARI LIKVIDLIGINI BOSHQARISHNI TAKOMILLASHTIRISHNING INNOVATSION YONDASHUVLARI

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Биография автора

Yangiboev Rustam Berdiyarovich

Библиографические ссылки

Загрузки

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Лицензия