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No. 10 (2026)
Marketing

Scientific articles

TIJORAT BANKLARIDA KREDITLASH FAOLIYATINI BOSHQARISH SAMARADORLIGINI BAHOLASHNING NAZARIY ASOSLARI

DOI 10.67668/mj/2026iss10/2203

Published 2026-10-15

Authors
Norbayev Gʻolibjon Toxirovich
Marketing — 10-son, oktabr 2026
pdf (Uzbek) Google Scholar Google Scholar

Abstract

Maqolada tijorat banklarida kreditlash faoliyatini boshqarish samaradorligini baholashning nazariy-metodologik asoslari tizimli yoritildi. Kreditlash faoliyatini boshqarishning mohiyati moliyaviy vositachilik, axborot asimmetriyasi, agentlik munosabatlari va portfel nazariyalari asosida ochib berildi; “samaradorlik” tushunchasining iqtisodiy mazmuni bank kredit faoliyatiga tatbiqan aniqlashtirildi va uning operatsion, moliyaviy, tavakkalchilik, tavakkalchilikka tuzatilgan hamda ijtimoiy-iqtisodiy oʻlchovlari ajratildi. Koeffitsiyentlar tahlili, chegaraviy (DEA, SFA) usullar, tavakkalchilikka tuzatilgan daromadlilik (RAROC, EVA) va muvozanatlashgan koʻrsatkichlar tizimi yondashuvlari qiyosiy tahlil qilindi. Kreditlash faoliyatini boshqarish samaradorligini baholashning toʻrt blokli koʻrsatkichlar tizimi (koʻlam va tuzilma, sifat, daromadlilik, jarayon samaradorligi), unga taʼsir etuvchi tashkiliy-iqtisodiy omillar tasnifi hamda baholashning bosqichma-bosqich metodikasi taklif etildi. Nazariy qoidalar Oʻzbekiston bank tizimining 2020-2026-yillardagi koʻrsatkichlari misolida koʻrsatib berilgan.

Keywords

tijorat banki, kreditlash faoliyati, boshqarish samaradorligi, baholash metodologiyasi, kredit tavakkalchiligi, tavakkalchilikka tuzatilgan daromadlilik, koʻrsatkichlar tizimi, chegaraviy samaradorlik.

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