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№ 11 (2025)
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НАУЧНО-МЕТОДИЧЕСКИЕ ПОДХОДЫ К ОЦЕНКЕ УРОВНЯ ФИНАНСОВОЙ ВКЛЮЧЕННОСТИ ПО РЕГИОНАМ

Опубликован 2025-11-29

Авторы
Adashaliyev Baxtiyorjon Valisher oʻgʻli
Организация
Старший преподаватель кафедры «Бухгалтерский учет» Ташкентского государственного экономического университета, кандидат экономических наук
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Аннотация

В данной статье проанализированы научно -методологические основы оценки уровня финансовой инклюзии по регионам. В исследовании подробно рассмотрены современные методологические подходы к расчёту индекса финансовой инклюзии, в частности, построение многомерн ого индекса, метод главных компонент (PCA) и интеграция цифровых финансовых услуг. В статье исследуются возможности применения методологий, разработанных Всемирным банком, Международным валютным фондом и другими международными организациями, в региональном контексте. Результаты анализа показывают, что комплексный подход, объединяющий измерения доступа, использования и качества, даёт эффективные результаты при оценке уровня финансовой инклюзии.

Ключевые слова

финансовая инклюзия, методология индекса, региональный анализ, метод главных компонент, цифровые финансовые услуги, развивающиеся страны

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