TIJORAT BANKLARIDA PUL MABLAG‘LARI HARAKATI VA LIKVIDLIK TAHLILI

Niholaxon Foziljonova and X.M.Odilov

GREEN ECONOMY AND DEVELOPMENT, 2026, vol. 4

Abstract: O‘zbekiston bank tizimi so‘nggi yillarda jadal o‘sdi. Ammo qisqa muddatli depozitlar hisobidan uzoq muddatlikreditlarni moliyalashtirish banklar uchun doimiy likvidlik xavfini keltiradi. Xo‘sh, banklar bu xavfni qanday boshqaradiva ularning ko‘rsatkichlari xalqaro standartlarga qanchalik mos keladi? Maqolada 2020–2025-yillardagi statistikma’lumotlar asosida O‘zbekiston tijorat banklarida pul oqimlari va likvidlik tahlil qilingan. Natijalar shuni ko‘rsatadiki,banklar likvidlik buferlarini keskin oshirgan — yuqori likvidli aktivlar 4,4 barobar ko‘paygan. LCR 195,7% va NSFR 116,0%bilan Basel III talablaridan ancha yuqori ko‘rsatkichlarga erishilgan. Asosiy muammo — muddatlar nomutanosibligi —saqlanib qolgan bo‘lsa-da, banklar uni banklararo bozor, repo operatsiyalari va likvid aktivlar orqali samarali yumshatibkelmoqda. Rivojlangan mamlakatlar banklaridan farqli ravishda, O‘zbekiston banklari hali ham asosan depozit-kreditmodeliga tayanadi. Maqolada ulgurji moliyalashtirish, kapital bozoridan foydalanish va aktiv-passivlarni boshqarishnitakomillashtirish bo‘yicha amaliy tavsiyalar berilgan.

Keywords: tijorat banklari; likvidlik; LCR; NSFR; muddatlar nomutanosibligi; depozit-kredit modeli; ulgurji moliyalashtirish (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:id:9752

DOI: 10.5281/zenodo.19345327

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