“RIVOJLANAYOTGAN MAMLAKATLARDA UY-JOY BOZORIDA MOLIYAVIY PUFAK XAVFINI ANIQLASH: INDEKSGA ASOSLANGAN VA RAQAMLI MONITORING YONDASHUVI (O‘ZBEKISTON MISOLIDA)
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Keywords

-joy bozori, moliyaviy pufak, moliyaviy pufak xavfi, kompozit indeks, raqamli monitoring, erta ogohlantirish tizimi, ipoteka kreditlari, narx–daromad nisbati, narx–ijara nisbati, moliyaviy barqarorlik.

Abstract

Ushbu maqolada rivojlanayotgan mamlakatlarda uy-joy bozorida yuzaga kelishi mumkin bo‘lgan moliyaviy pufak xavfini aniqlash va baholash masalalari ilmiy jihatdan tadqiq etilgan. Maqolada xalqaro amaliyotda keng qo‘llaniladigan UBS, Xalqaro Valyuta Jamg‘armasi (IMF) va Xalqaro hisob-kitoblar banki (BIS) metodologiyalariga tayangan holda uy-joy bozorining moliyaviy pufak xavfi indeksi ishlab chiqilgan hamda O‘zbekiston uy-joy bozori misolida empirik baholash amalga oshirilgan. Tadqiqot 2020–2024 yillar davrini qamrab olib, rasmiy statistik ma’lumotlar asosida indeks tarkibiy qismlarining dinamikasi va ularning umumiy moliyaviy barqarorlikka ta’siri tahlil etiladi.

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