AHOLI BANDLIGINI TA’MINLASHDA TIJORAT BANKLARI KREDITLARIDAN FOYDALANISH SAMARADORLIGINI OSHIRISH YO‘LLARI

Nafosat Nurillayeva

doi:10.5281/zenodo.21671514

Authors

Nurillayeva Nafosat Nizomiddin qizi O‘zbekiston Respublikasi Bank-moliya akademiyasi magistranti

Abstract

Mazkur maqolada aholi bandligini ta’minlashda tijorat banklari kreditlaridan foydalanish samaradorligini oshirishning nazariy va amaliy jihatlari tadqiq etilgan. Bank kreditlarining yangi ish o‘rinlarini yaratish, kichik biznes va xususiy tadbirkorlikni rivojlantirish, o‘zini o‘zi band qilishni qo‘llab-quvvatlash hamda aholi daromadlarini oshirishdagi ahamiyati yoritilgan. Shuningdek, bandlikka yo‘naltirilgan kredit mablag‘larini ajratish va ulardan foydalanish jarayonidagi muammolar, xususan, kredit resurslarining hududlar va tarmoqlar bo‘yicha notekis taqsimlanishi, kredit olish imkoniyatlarining cheklanganligi, moliyaviy savodxonlikning yetarli emasligi hamda loyihalarni monitoring qilish tizimidagi kamchiliklar tahlil qilingan. Tadqiqot natijasida kreditlash mexanizmlarini takomillashtirish, imtiyozli kreditlarning manzilliligini oshirish, istiqbolli loyihalarni tanlash tizimini rivojlantirish va tijorat banklari, mahalliy hokimliklar hamda tadbirkorlik subyektlari o‘rtasidagi hamkorlikni mustahkamlash bo‘yicha ilmiy-amaliy takliflar ishlab chiqilgan.

Keywords:

aholi bandligi tijorat banklari bank krediti kreditlash samaradorligi kichik biznes xususiy tadbirkorlik yangi ish o‘rinlari imtiyozli kreditlar o‘zini o‘zi band qilish moliyaviy resurslar kredit monitoringi aholi daromadlari.

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AHOLI BANDLIGINI TA’MINLASHDA TIJORAT BANKLARI KREDITLARIDAN FOYDALANISH SAMARADORLIGINI OSHIRISH YO‘LLARI

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