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Son 9 (2026)
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Ilmiy maqolalar

TIJORAT BANKLARIDA BANK XIZMATLARINING RAQOBATBARDOSHLIGINI OSHIRISH MEXANIZMLARINI TAKOMILLASHTIRISH

DOI 10.67668/mj/2026iss9/2103 Betlar 681-696

Nashr qilingan 2026-09-07

Mualliflar
Valiyev Doniyor Baxtiyor oʻgʻli
Tashkilot
Tashkent International University image/svg+xml
Marketing jurnali — 2026-yil sentabr, 9-son
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Annotatsiya

Maqolada tijorat banklarida bank xizmatlarining raqobatbardoshligini oshirish mexanizmlari tadqiq etilgan. Oʻzbekiston bank tizimining konsentratsiya darajasi, davlat ulushi, foiz marjasi va raqamli xizmatlar qamrovi xalqaro koʻrsatkichlar bilan qiyosiy tahlil qilingan. Raqobatbardoshlikni narx, sifat, raqamli va institutsional omillar birligida baholovchi integral yondashuv asoslangan. Tadqiqot Markaziy bank, Xalqaro valyuta jamgʻarmasi va Jahon banki maʼlumotlari hamda xorijiy tajribaga tayanadi. Natijalarga koʻra, banklar kesimida hisoblangan Herfindal-Hirshman indeksi 698-781 oraligʻida boʻlsa-da, yakuniy mulkdor boʻyicha jamlangan indeks 4100 dan yuqori. Davlat ulushi mavjud banklarda kredit-depozit nisbati 190 foiz, boshqa banklarda 98 foizni tashkil etadi, bu bozorning ikki segmentga boʻlinganini koʻrsatadi. Mexanizm samaradorligini kuzatish uchun bank xizmatlari raqobatbardoshligining integral indeksi taklif etilgan. Natijalar asosida ochiq banking, mijozga yoʻnaltirilgan xizmat sifati standarti hamda davlat ulushini qisqartirish boʻyicha uchta amaliy taklif ishlab chiqilgan.

Kalit so'zlar

tijorat banki, bank xizmatlari, raqobatbardoshlik, bozor konsentratsiyasi, Herfindal-Hirshman indeksi, davlat ulushi, ochiq banking, raqamli transformatsiya

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