TIJORAT BANKLARIDA LIKVIDLILIK MUAMMOLARI VA UNING YECHIMLARI
DOI:
https://doi.org/10.55439/EIT/vol13_iss5/711Keywords:
tijorat banklari, likvidlik, likvid aktivlar, moliyaviy barqarorlik, resurs bazasi, Markaziy bank siyosati, risklarni boshqarish.Abstract
Mazkur maqolada O‘zbekiston tijorat banklarining likvidlik muammolari, ularning kelib chiqish sabablari hamda bartaraf etish yo‘llari tahlil qilinadi. So‘nggi yillarda bank tizimida likvidlik darajasining pasayishi, qisqa muddatli majburiyatlarning ortishi va depozit bazasining beqarorligi kuzatilmoqda. Tadqiqotda likvidlikni ta’minlashning nazariy asoslari, Markaziy bank siyosatining ta’siri hamda tijorat banklarida likvidlik boshqaruvining amaliy jihatlari o‘rganilgan. Maqola yakunida bank likvidligini oshirish bo‘yicha takliflar – aktivlarni diversifikatsiya qilish, resurs bazasini mustahkamlash va raqamli moliyaviy texnologiyalarni joriy etish yo‘nalishlari asoslab berilgan.
References
O‘zbekiston Respublikasi Markaziy banki. “Bank tizimi ko‘rsatkichlari 2020–2025.” – Toshkent: www.cbu.uz
O‘zbekiston Respublikasi Prezidenti farmoni. “Bank-moliya tizimini isloh qilish strategiyasi 2020–2025 yillarga mo‘ljallangan.” PF–5992-son, 2020 yil 12 may.
O‘zbekiston Respublikasi Prezidenti qarori. “Tijorat banklari faoliyatini transformatsiya qilish va raqamli rivojlantirish chora-tadbirlari to‘g‘risida.” PQ–3270-son, 2017 yil 12 sentyabr.
O‘zbekiston Respublikasi Markaziy banki. “Moliyaviy barqarorlik to‘g‘risidagi hisobot.” – Toshkent, 2024.
Jahon banki (World Bank). “Uzbekistan Financial Sector Assessment.” – Washington D.C., 2023.
Xalqaro Valyuta Jamg‘armasi (IMF). “Financial Soundness Indicators: Country Report – Uzbekistan.” – Washington D.C., 2024.
Basel Committee on Banking Supervision (BCBS). “Basel III: The Liquidity Coverage Ratio and liquidity risk monitoring tools.” – Bank for International Settlements, 2013.
Mishkin, F. S. (2019). The Economics of Money, Banking, and Financial Markets. 12th Edition. Pearson Education.
Rose, P. S. & Hudgins, S. C. (2018). Bank Management & Financial Services. 10th Edition. McGraw-Hill Education.
Demirgüç-Kunt, A. & Levine, R. (2008). Finance, Financial Sector Policies, and Long-Run Growth. The World Bank Research Observer.
Beck, T., Demirgüç-Kunt, A., & Merrouche, O. (2013). Islamic vs. Conventional Banking: Business Model, Efficiency, and Stability. Journal of Banking and Finance, Vol. 37.
Akhunov, A. (2022). “Tijorat banklarida risklarni boshqarish mexanizmlarini takomillashtirish.” – TDIU Ilmiy jurnali, №3.
Nabiyev, B. (2023). “O‘zbekiston tijorat banklari likvidligini oshirishning zamonaviy yo‘nalishlari.” – “Moliyaviy tahlil va iqtisodiy islohotlar” jurnali, №2.
