TIJORAT BANKLARINING IQTISODIYOTDAGI ROLI
Keywords:
tijorat banki, moliyaviy vositachilik, kredit portfeli, depozit, pul multiplikatori, bank aktivlari, raqamli banking, kapital etarliligi, makroprudensial siyosat, iqtisodiy o‘sish.Abstract
Ushbu maqolada tijorat banklarining zamonaviy bozor iqtisodiyotidagi tutgan o‘rni va vazifalari ilmiy tahlil qilingan. 2023–2025-yillar davomida shakllangan eng so‘nggi statistik ma'lumotlar asosida tijorat banklarining moliyaviy vositachilik, pul yaratish, kredit ta'minoti, to‘lov-hisob-kitob va investitsiya funksiyalari ko‘rib chiqilgan. McKinsey Global Banking Annual Review 2025 ma'lumotlariga ko‘ra, 2024-yilda jahon bank tizimi orqali o‘tgan mablag‘lar hajmi tarixiy rekord bo‘lgan 5,5 trillion dollarga yetgan bo‘lsa, O‘zbekiston bank tizimining jami aktivlari 2025-yil sentyabr holatiga 863,1 trillion so‘mni tashkil etdi. Maqolada O‘zbekiston Markaziy bankining rasmiy statistikasi, Xalqaro Valyuta Fondining 2025-yilgi moliyaviy barqarorlik bahosi va xalqaro ilmiy adabiyotlar asosida tijorat banklarining iqtisodiy o‘sishga ta'siri, raqamli transformatsiya va makroprudensial tartibga solish masalalari yoritilgan.
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