O‘zbek banklarining xarajatlar samaradorligini stoxastik chegara modelida baholash

Sherzod Xannayev

GREEN ECONOMY AND DEVELOPMENT, 2025, vol. 3, issue 8

Abstract: Ushbu tahlil 1999–2023-yillar davrida O‘zbekiston tijorat banklarining xarajat va foyda samaradorliginistoxastik chegara tahlili asosida baholash va natijalardan kelib chiqqan holda amaliy iqtisodiy siyosat uchun tavsiyalarishlab chiqishga qaratilgan. Tahlil natijalariga ko‘ra, o‘rtacha xarajat samaradorligi 63,5% ni tashkil etdi. Davlat banklarieng past samaradorlik ko‘rsatkichiga ega bo‘lib (57,1%), 2017-yilda boshlangan keng ko‘lamli islohotlardan so‘ngo‘sish tendensiyasi kuzatilgan. Xususiy banklar eng yuqori o‘rtacha xarajat samaradorlikka (67%) ega bo‘lsa-da, ulardasamaradorlikning tebranuvchanligi yuqori bo‘lib, barqarorlik muammosi mavjud. Foyda samaradorligi o‘rtacha 25,5% nitashkil qilib, xarajat samaradorligiga nisbatan ancha past darajada. Global moliyaviy inqiroz (2008–2009) va pandemiya(2020–2021) davrlarida har ikki turdagi samaradorlik pasaygan. 2017-yildan keyingi liberal islohotlar samaradorliknioshirgan bo‘lsa-da, tashqi shoklarga ta’sirchanlik ham ortishi kuzatilgan

Keywords: xarajatlar; samaradorlik; stoxastik chegara modeli; O‘zbek banklari (search for similar items in EconPapers)
Date: 2025
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Persistent link: https://EconPapers.repec.org/RePEc:teu:ged000:v:3:y:2025:i:8:id:6705

DOI: 10.5281/zenodo.16910439

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