RAQAMLI TRANSFORMATSIYA SHAROITIDA BANKLARNING CHAKANA KREDITLASH AMALIYOTI TAHLILI

Dilrabo Axmedova

GREEN ECONOMY AND DEVELOPMENT, 2026, vol. 4, issue 2

Abstract: Ushbu maqolada O‘zbekiston bank tizimida raqamli transformatsiya jarayonlari sharoitida chakana kreditlashamaliyotining zamonaviy holati va rivojlanish tendensiyalari kompleks tahlil qilinadi. Xususan, mikroqarz va overdraftkreditlarining to‘liq raqamlashtirilishi, jismoniy shaxslar uchun masofaviy kredit mahsulotlari hajmining sezilarli darajadaoshishi hamda kredit portfeli tarkibida chakana segment ulushining kengayishi ilmiy asosda yoritiladi.Axborot-kommunikatsiya texnologiyalarining jadal rivojlanishi, masofaviy bank xizmatlari infratuzilmasining takomillashuvi,plastik kartochkalar va to‘lov terminallari tarmog‘ining kengayishi bank amaliyotida raqamli transformatsiya jarayonlariningsamarali amalga oshirilayotganini ko‘rsatadi. Shuningdek, raqamli kreditlashning yalpi ichki mahsulot (YaIM) o‘sishiga,moliyaviy inklyuziya darajasining oshishiga hamda bank xizmatlari samaradorligining yuksalishiga ta’siri tahlil etiladi

Keywords: raqamli transformatsiya; chakana kreditlash; bank amaliyoti; YaIM; kredit portfeli; mikroqarz; overdraft; axborot-kommunikatsiya texnologiyalari; masofaviy bank xizmatlari; plastik kartochkalar; to‘lov terminallari (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:2:id:9285

DOI: 10.5281/zenodo.18714760

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