MOLIYAVIY SAVODXONLIKNI OSHIRISHDA MOLIYAVIY INKLYUZIYANING O‘RNI
DOI:
https://doi.org/10.55439/EIT/vol13_iss6/769Keywords:
moliyaviy savodxonlik, moliyaviy inklyuziya, bank xizmatlari, raqamli moliya, aholi daromadlari, jamg‘arma madaniyati, kreditlash, moliyaviy xatarlar, moliya bozori, fintech, moliyaviy barqarorlik, iqtisodiy o‘sish, davlat siyosati, moliyaviy ta’lim, ijtimoiy rivojlanishAbstract
Ushbu maqolada moliyaviy savodxonlikni oshirish jarayonida moliyaviy inklyuziyaning tutgan o‘rni va ahamiyati kompleks tarzda tahlil qilinadi. Bugungi kunda aholining moliyaviy xizmatlardan foydalanish darajasi, bank va nobank moliyaviy institutlarga bo‘lgan ishonchi, raqamli moliyaviy mahsulotlardan foydalanish ko‘nikmalari iqtisodiy barqarorlikni ta’minlashda muhim omil sifatida namoyon bo‘lmoqda. Tadqiqotda moliyaviy inklyuziya darajasining oshishi aholining moliyaviy savodxonligiga, jamg‘arma madaniyatiga, kreditlardan oqilona foydalanishiga va moliyaviy xatarlarni boshqarish qobiliyatiga ta’siri ilmiy asosda yoritiladi. Shuningdek, O‘zbekistonda moliyaviy savodxonlikni oshirish bo‘yicha amalga oshirilayotgan islohotlar, normativ-huquqiy hujjatlar va davlat dasturlarining mazmuni tahlil qilinadi. Tadqiqot natijalari moliyaviy inklyuziyani kengaytirish orqali aholining moliyaviy bilim va ko‘nikmalarini rivojlantirish, moliya bozorlarida ishtirokini faollashtirish hamda iqtisodiy farovonlikni oshirish bo‘yicha amaliy takliflar ishlab chiqishga xizmat qiladi.
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