Keywords
Ipoteka kreditlash, tijorat banklari, moliyaviy barqarorlik, uy-joy bozori, xorijiy tajriba.
Abstract
Maqolada O’zbekiston tijorat banklarida ipoteka kreditlash amaliyotini takomillashtirish masalalari yoritilgan. Ipoteka kreditlashning nazariy asoslari, mamlakatdagi ipoteka bozorining hozirgi holati hamda xorijiy tajriba tahlil qilingan. Tadqiqotda ipoteka bozoridagi asosiy muammolar, jumladan, foiz stavkalari yuqoriligi, uzoq muddatli resurslarning cheklanganligi, hamda kredit jarayonidagi byurokratik murakkabliklar o’rganilgan. Amaliy takliflar sifatida ikkilamchi ipoteka bozorini rivojlantirish, davlat qo’llab-quvvatlash mexanizmlarini kengaytirish va raqamli texnologiyalarni joriy etish masalalari ko’tarilgan.References
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