BANKLARNING MOLIYAVIY BARQARORLIGINI XALQARO USULLAR VA MEZONLAR ASOSIDA BAHOLASHNI TAKOMILLASHTIRISH

Suxrob G‘aybulloyev

GREEN ECONOMY AND DEVELOPMENT, 2026, vol. 4, issue 5

Abstract: Mazkur maqolada banklarning moliyaviy barqarorligini xalqaro usullar va mezonlar — BazelIII, CAMELS va stress-test asosida baholashni takomillashtirishga oid besh yo‘nalishdagi ilmiy yangiliklarasoslanadi: kredit riskini CAMELS (60%) va xalqaro reyting agentliklari (40%) sintetik koeffitsiyenti asosidabaholash hamda mahalliy kontragentlar uchun TIER1 ning 25% limiti; likvidlilik riskini uchta himoya chizig‘i,LCR, NSFR va GAP-tahlil orqali boshqarish hamda avtomatik erta ogohlantirish mexanizmi; sakkiz ssenariylimajburiy stress-test tizimi; operatsion samaradorlik uchun CIR ning yuqori chegarasini 50% darajasida belgilash;shuningdek, an’anaviy CAMELS tizimini prognostik (+P) va texnologik (+T) bloklar bilan boyitgan “CAMELS PT”modeli. Takliflar O‘zbekistonning uchta tijorat banki — Asia Alliance Bank, Aloqabank va Mikrokreditbankning2020–2025-yillardagi ma’lumotlari asosida empirik jihatdan asoslanib, AT “Aloqabank” misolida aprobatsiyadano‘tkazilgan.

Keywords: moliyaviy barqarorlik; Bazel III; kredit riski; sintetik koeffitsiyent; reyting agentliklari; likvidlilik riski; LCR; NSFR; GAP-tahlil; stress-test; CIR; CAMELS PT; erta ogohlantirish; prognostik baholash. (search for similar items in EconPapers)
Date: 2026
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Persistent link: https://EconPapers.repec.org/RePEc:teu:ged000:v:4:y:2026:i:5:id:11098

DOI: 10.5281/zenodo.20735231

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