Vol. 1 No. 2 (2025), Articles
Vol. 1 No. 2 (2025)

TIJORAT BANKLARIDA IPOTEKA KREDITLASH AMALIYOTLARI XUSUSIDA

Articles
Published 2025-11-04
Qayumova Zilola Boxodir qizi
Samarqand viloyati Kichik va yoshlar sanoat zonalarini boshqarish bo’yicha yagona direksiyasi Infratuzilmani rivojlantirish bo’yicha yetakchi mutaxassis
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Keywords

ipoteka krediti, tijorat banklari, moliyalashtirish mexanizmi, garov tizimi, kredit riski, xalqaro tajriba.

Abstract

Ushbu tezisda tijorat banklarida ipoteka kreditlash tizimini rivojlantirishda xorijiy mamlakatlar tajribasidan foydalanishning nazariy va amaliy jihatlari yoritilgan. Ipoteka bozorining barqarorligini ta’minlashda AQSh, Germaniya, Janubiy Koreya va Turkiya kabi davlatlarning ilg‘or moliyaviy modellari tahlil qilinadi. Shuningdek, O‘zbekistonda ipoteka kreditlash mexanizmlarini takomillashtirish, uzoq muddatli moliyalashtirish manbalarini diversifikatsiya qilish va raqamli texnologiyalarni joriy etish bo‘yicha tavsiyalar berilgan.

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References

1. World Bank. Housing Finance in Emerging Economies. – Washington D.C., 2022.

2. OECD. Affordable Housing and Mortgage Finance Systems. – Paris, 2021.

3. Deutsche Bundesbank. Pfandbrief Market Report. – Frankfurt, 2020.

4. Korea Housing Finance Corporation. Annual Report 2022. – Seoul, 2023.

5. Turkish Banking Association. Mortgage Market Overview. – Ankara, 2022.

6. IMF Country Report No. 23/44. Republic of Uzbekistan: Financial Sector Assessment. – Washington D.C., 2023.