O‘ZBEKISTON TIJORAT BANKLARIDA IPOTEKA KREDITLARI HOLATI VA SAMARADORLIGINI TAHLIL QILISH
DOI:
https://doi.org/10.5281/zenodo.20657666Keywords:
ipoteka krediti, tijorat banklari, uy-joy bozori, kredit portfeli, bank tizimi, kredit samaradorligi, foiz stavkasi, bank risklari.Abstract
Mazkur tezisda O‘zbekiston tijorat banklarida ipoteka kreditlarining hozirgi holati hamda ularning samaradorligi tahlil qilinadi. Ipoteka kreditlari aholining uy-joy bilan ta’minlanishini yaxshilash hamda qurilish sohasining rivojlanishini rag‘batlantirishda muhim moliyaviy instrument hisoblanadi. Tadqiqot davomida tijorat banklari tomonidan ajratilayotgan ipoteka kreditlari hajmi, ularning kredit portfelidagi ulushi hamda rivojlanish dinamikasi o‘rganildi. Shuningdek, ipoteka kreditlash tizimining samaradorligiga ta’sir etuvchi asosiy omillar ham tahlil qilindi. Tadqiqot natijalariga ko‘ra, ipoteka kreditlash tizimini rivojlantirish uchun bank resurslarini kengaytirish, foiz siyosatini optimallashtirish hamda kredit risklarini samarali boshqarish zarurligi asoslab berildi.References
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