O‘ZBEKISTONDA TURIZM SOHASI SUBYEKTLARINI KREDITLASH MEXANIZMINI TAKOMILLASHTIRISH
Keywords:
Kalit so‘zlar: turizm sohasi, mehmonxona biznesi, bank krediti, kreditga layoqatlilik, mavsumiy kreditlash, imtiyozli kredit, kafolat fondi., Keywords: tourism sector, hotel business, bank loan, creditworthiness, seasonal lending, preferential credit, guarantee fund.Abstract
Annotatsiya. Maqolada O‘zbekistonda turizm sohasi subyektlarini (mehmonxona, turoperator, transport) bank kreditlari bilan ta’minlash amaliyoti va uning o‘ziga xos muammolari tahlil qilingan. Sohaning mavsumiylik, aktivlarning maxsus xususiyati va daromadning notekis taqsimlanishi kabi xususiyatlari an’anaviy kreditlash mezonlariga mos kelmasligi ko‘rsatilgan. Davlatning 2026–2028-yillardagi mehmonxona qurish dasturi, foiz kompensatsiyasi mexanizmi va $50 mln imtiyozli kredit liniyasi tahlil qilingan. Natijalarga ko‘ra mavjud qo‘llab-quvvatlash asosan yirik qurilishga qaratilgan, kichik subyektlar va hududlar o‘rtasida tafovut saqlanib qolmoqda.
Annotation. The article examines bank lending to tourism sector entities in Uzbekistan. Seasonality, specialised assets and uneven revenue distribution make the sector a poor fit for conventional lending criteria. The state's 2026–2028 hotel-construction programme, interest-compensation mechanism and $50 million preferential credit line are analysed. Results show that support is mainly directed at large construction projects, leaving gaps for small operators and underserved regions.
