INNOVATSION LOYIHALARNI MOLIYALASHTIRISHDA BANKLARNING ROLI
Abstrak
Bugungi globallashuv va raqobat kuchayib borayotgan sharoitda iqtisodiyotni innovatsiyalar asosida rivojlantirish har bir davlat uchun ustuvor vazifaga aylangan. Innovatsion loyihalar yangi texnologiyalar, mahsulotlar va xizmatlarni yaratish orqali iqtisodiy o‘sishni jadallashtiradi, bandlikni oshiradi va eksport salohiyatini kuchaytiradi. Shu bilan birga, innovatsion faoliyat yuqori moliyaviy xarajatlar, uzoq muddatli investitsiyalar va noaniq natijalar bilan bog‘liq bo‘lgani uchun uni moliyalashtirish muammosi dolzarb bo‘lib qolmoqda. Mazkur jarayonda bank-moliya institutlarining o‘rni beqiyos, chunki ular iqtisodiyotda moliyaviy vositachilikni amalga oshiruvchi asosiy subyektlar hisoblanadi. Banklar orqali innovatsion loyihalarning moliyalashtirilishi, ularning tahlili va risklarni baholash tizimining takomillashuvi innovatsion ekotizimning samarali ishlashini ta’minlaydi. Ayniqsa, O‘zbekiston sharoitida innovatsion iqtisodiyotga o‘tish bo‘yicha amalga oshirilayotgan keng qamrovli islohotlar fonida mazkur mavzuning o‘rganilishi dolzarb ahamiyat kasb etadi.
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