Keywords
Abstract
Ushbu maqolada bank xizmatlari orqali aholi moliyaviy savodxonligini oshirishga doir strategik yondashuvlar keng qamrovda tahlil qilinadi. Moliyaviy savodxonlik darajasining pastligi aholining bank xizmatlaridan to‘liq foydalana olmasligiga, kreditga nisbatan noto‘g‘ri yondashuvlar va moliyaviy firibgarliklar xavfini oshishiga olib kelmoqda. Shu nuqtai nazardan, banklar tomonidan moliyaviy ta’limni rivojlantirish, aholining moliyaviy qarorlar qabul qilishdagi ishonchini oshirish va zamonaviy raqamli xizmatlarni ommalashtirish kabi mexanizmlar muhim ahamiyat kasb etadi. Tadqiqot davomida O‘zbekiston Respublikasi banklarining amaliy tajribasi o‘rganildi, xalqaro ilg‘or tajribalar bilan qiyosiy tahlil olib borildi. Xususan, raqamli bank xizmatlari, mobil ilovalar orqali moliyaviy ma’lumot tarqatish, o‘quv dasturlari, vebinar va treninglar orqali aholiga yo‘naltirilgan maqsadli ta’lim shakllari tahlil qilindi. Tadqiqot natijasida O‘zbekistonda moliyaviy savodxonlikni oshirish bo‘yicha kompleks takliflar ishlab chiqildi.
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