RAQAMLASHTIRISH SHAROITIDA TIJORAT BANKLARI MOLIYAVIY RESURSLARI BAZASINI MUSTAHKAMLASHNING INNOVATSION MEXANIZMLARI
Abstract
Tadqiqotda raqamlashtirish sharoitida tijorat banklari moliyaviy resurslari bazasini mustahkamlashning innovatsion mexanizmlari tahlil qilindi. Raqamli kanallar, sunʼiy intellekt, katta maʼlumotlar, investitsion platformalar va toʻlov ekotizimlarining resurs jalb qilish hamda likvidlikka taʼsiri baholandi. “Uzsanoatqurilishbank” ATB amaliyoti asosida uzoq muddatli depozitlar, investitsion mablagʻlar va arzon resurslar hajmining oshgani qayd etildi. Raqamli bank resurslari barqarorligi indeksi taklif qilinib, uning tarkibiy koʻrsatkichlari meʼyoriy talablar bilan bogʻlandi. Natijalar raqamlashtirish resurs bazasini kengaytirganini, biroq barqarorlik uchun muddatlilik, diversifikatsiya, likvidlik nazorati va model risklarini boshqarish birgalikda qoʻllanishi zarurligini koʻrsatdi. Indeksni choraklik boshqaruv hisobotiga kiritish bank qarorlarining aniqligi va resurs siyosatining izchilligini oshirgani taʼkidlandi va amaliy boshqaruv samaradorligini kuchaytirgani.
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References
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