O'ZBEKISTONDA TIJORAT BANKLARI FAOLIYATIGA KREDITLARNING DEPOZITLARNING KO'RSATISHIGA TA'SIRI
DOI:
https://doi.org/10.55439/EIT/vol11_iss1/a5Kalit so‘zlar:
bank ishi, kreditning omonatga nisbati, banklarda rentabellikAbstrak
Mamlakatda moliya tizimining sog'lig'i muhim rol o'ynaydi, chunki uning muvaffaqiyatsizligi mamlakatning iqtisodiy rivojlanishiga to'sqinlik qilishi mumkin. O‘zbekiston Respublikasining iqtisodiy siyosatidagi so‘nggi o‘zgarishlar va islohotlar bank sohasida sezilarli o‘zgarishlarga olib keldi. O‘zbekistonda tijorat banklarining rentabelligini ta’minlovchi asosiy omillarni o‘rganish tobora muhim ahamiyat kasb etmoqda. Ushbu tadqiqot ishida O'zbekiston Respublikasida bank rentabelligining asosiy omillari ko'rib chiqilgan. 2017 yildan 2021 yilgacha boʻlgan davr uchun panel maʼlumotlar Oʻzbekistonning 32 ta tijorat banklarida qoʻllanilgan. Empirik xulosalar shuni ko'rsatdiki, bank foydasi ko'p jihatdan uning faoliyatiga ta'sir qiluvchi aniq omillar bilan belgilanadi. Regressiya natijalariga ko’ra, davlat mulki va operatsion xarajatlari bank rentabelligi bilan salbiy va statistik jihatdan muhim bog'liqdir. Kreditning depozitga nisbati (LDR) kapitalning rentabelligiga (ROE) sezilarli ijobiy ta'sir ko'rsatadi.
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