Vol. 2 No. 1 (2026), Articles
Vol. 2 No. 1 (2026)

MOLIYAVIY INKLYUZIVLIK ASOSIDA TIJORAT BANKLARINING PASSIV OPERATSIYALARINI TAKOMILLASHTIRISH: HINDISTON VA XITOY TAJRIBASI HAMDA O'ZBEKISTON BANK TIZIMI TAHLILI

Articles
Published 2026-07-18
Korchiyeva Gulnoza Ilhom qizi.
O‘zbekiston Respublikasi Bank-moliya akademiyasi magistranti.,
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Keywords

moliyaviy inklyuzivlik, tijorat banklari, passiv operatsiyalar, depozitlar, bank resurslari, depozit bazasi, raqamli bank xizmatlari, FinTech, moliyaviy savodxonlik, bank barqarorligi, Hindiston tajribasi, Xitoy tajribasi, Yaponiya tajribasi, O'zbekiston bank tizimi.

Abstract

Mazkur tezisda moliyaviy inklyuzivlik asosida tijorat banklarining passiv operatsiyalarini takomillashtirish masalalari tadqiq etilgan. Tadqiqotda Hindiston, Xitoy va Yaponiya bank tizimlarida moliyaviy inklyuzivlikni rivojlantirish bo'yicha ilg'or tajribalar tahlil qilinib, ularning depozit bazasini kengaytirish va bank resurslari barqarorligini ta'minlashdagi ahamiyati yoritilgan. Shuningdek, O'zbekiston bank tizimida passiv operatsiyalar va depozitlar dinamikasi tahlil qilinib, moliyaviy inklyuzivlikning bank resurs bazasini mustahkamlashdagi roli baholangan. Tadqiqot natijasida davlat tomonidan qo'llab-quvvatlanadigan inklyuziv moliyaviy dasturlarni kengaytirish, raqamli jamg'arma mahsulotlarini rivojlantirish, pochta infratuzilmasini bank xizmatlari bilan integratsiya qilish, moliyaviy savodxonlikni oshirish hamda innovatsion depozit mahsulotlarini joriy etishga qaratilgan amaliy tavsiyalar ishlab chiqilgan.

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