O‘zbek banklarining xarajatlar samaradorligini stoxastik chegara modelida baholash
DOI:
https://doi.org/10.5281/zenodo.16910439Keywords:
xarajatlar, samaradorlik, stoxastik chegara modeli, O‘zbek banklariAbstract
Ushbu tahlil 1999–2023-yillar davrida O‘zbekiston tijorat banklarining xarajat va foyda samaradorligini
stoxastik chegara tahlili asosida baholash va natijalardan kelib chiqqan holda amaliy iqtisodiy siyosat uchun tavsiyalar
ishlab chiqishga qaratilgan. Tahlil natijalariga ko‘ra, o‘rtacha xarajat samaradorligi 63,5% ni tashkil etdi. Davlat banklari
eng past samaradorlik ko‘rsatkichiga ega bo‘lib (57,1%), 2017-yilda boshlangan keng ko‘lamli islohotlardan so‘ng
o‘sish tendensiyasi kuzatilgan. Xususiy banklar eng yuqori o‘rtacha xarajat samaradorlikka (67%) ega bo‘lsa-da, ularda
samaradorlikning tebranuvchanligi yuqori bo‘lib, barqarorlik muammosi mavjud. Foyda samaradorligi o‘rtacha 25,5% ni
tashkil qilib, xarajat samaradorligiga nisbatan ancha past darajada. Global moliyaviy inqiroz (2008–2009) va pandemiya
(2020–2021) davrlarida har ikki turdagi samaradorlik pasaygan. 2017-yildan keyingi liberal islohotlar samaradorlikni
oshirgan bo‘lsa-da, tashqi shoklarga ta’sirchanlik ham ortishi kuzatilgan
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