Vol. 2 No. 3 (2026), Articles
Vol. 2 No. 3 (2026)

RAQAMLI IQTISODIYOT SHAROITIDA TIJORAT BANKLARINING XORIJIY KREDIT MABLAG‘LARINI JALB QILISH MEXANIZMINI TAKOMILLASHTIRISH

Articles
Published 2026-10-12
Qulliyev Anvar Zayniddinovich
“INSTANT BUILDING” mas’uliyati cheklangan jamiyati bosh direktori O‘zbekiston Respublikasi
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Keywords

raqamli iqtisodiyot, tijorat banki, xorijiy kredit, xalqaro moliyalashtirish, raqamli platforma, risk-menejment, moliyaviy barqarorlik, resurs bazasi, raqamli transformatsiya, monitoring.

Abstract

Maqolada raqamli iqtisodiyot sharoitida tijorat banklarining xorijiy kredit mablag‘larini jalb qilish mexanizmini takomillashtirish masalalari tadqiq etilgan. O‘zbekiston Respublikasi Markaziy bankining 2026-yil 1-yanvar holatiga doir ma’lumotlari asosida bank tizimi moliyalashtirish manbalarining tuzilmasi va tashqi majburiyatlar dinamikasi tahlil qilingan. Xorijiy kreditni jalb qilish jarayoni ehtiyojni aniqlash, manba tanlash, kreditorga axborot taqdim etish, shartnoma, mablag‘dan foydalanish monitoringi va qaytarish bosqichlariga ajratilgan. Raqamli texnologiyalar mablag‘ topishning mustaqil omili emas, balki jarayonni tezkor, shaffof va nazorat qilinadigan qiladigan vosita sifatida qaralgan. Maqolada xorijiy moliyalashtirishni boshqarishning yagona raqamli platformasi, uning yetti moduli va samaradorlik ko‘rsatkichlari tizimi taklif etilgan.

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