KICHIK BIZNESNI MOLIYALASHTIRISH MEXANIZMLARINING NAZARIY-KONSEPTUAL ASOSLARINI TAKOMILLASHTIRISH
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Keywords

kichik biznes, moliyalashtirish mexanizmi, kredit ratsionirovkasi, axborot assimetriyasi, institutsional yondashuv, moliyaviy inklyuziya, muqobil moliyalashtirish, raqamli skoring.

Abstract

Maqolada kichik biznesni moliyalashtirish mexanizmlarining nazariy-konseptual asoslari tahlil qilinib, integratsiyalashgan yondashuv ishlab chiqilgan. Tizimli, institutsional va qiyosiy tahlil hamda Markaziy bankning 2021–2023-yillardagi ma’lumotlari asosida moliyalashtirish mexanizmi turli moliyaviy vositalarni birlashtiruvchi yaxlit tizim sifatida talqin qilindi. Samaradorlik omillari olti guruhga ajratilib, korxona hayotiy sikli, pul oqimi, risk taqsimoti, moliyaviy qo‘shimchalik va qayta aloqa tamoyillariga asoslangan konseptual model taklif etildi.

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