Tijorat banklari faoliyatini transformatsiyalashuv jaroyonlarini takomillashtirish
DOI:
https://doi.org/10.5281/zenodo.15279641Keywords:
tijorat banklari, transformatsiya, raqamli moliya, fintech, ESG standartlari, moliyaviy inklyuziya, institutsional islohotlar.Abstract
Ushbu maqolada O‘zbekiston Respublikasi tijorat banklari faoliyatini transformatsiyalash jarayonlari tizimli
yondashuv asosida o‘rganiladi. Tadqiqotda moliyaviy texnologiyalar (fintech), raqamli bank xizmatlari, moliyaviy inklyuziya,
ESG tamoyillarini joriy etish hamda transformatsion boshqaruv konsepsiyalarining tijorat banklari amaliyotiga integratsiyasi
ilmiy-nazariy va amaliy jihatdan tahlil qilinadi. Bank tizimining barqaror rivojlanishi uchun zarur bo‘lgan institutsional va
texnologik transformatsiyalar, ularning bosqichlari, indikatorlari va natijaviy ko‘rsatkichlari chuqur tahlil qilinib, xalqaro
tajribalar asosida solishtirma baho beriladi. Tadqiqot natijalariga ko‘ra, tijorat banklarining raqobatbardoshligini oshirish,
transformatsion salohiyatini kuchaytirish hamda moliyaviy barqarorlikni ta’minlashga xizmat qiluvchi taklif va amaliy
mexanizmlar ishlab chiqilgan.
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