TIJORAT BANKLARI TOMONIDAN KICHIK BIZNESNI KREDITLASH AMALIYOTINI TAKOMILLASHTIRISH MASALALARI
Keywords:
Kalit so‘zlar: kichik biznes, tijorat banklari, kreditlash, kredit siyosati, moliyaviy resurslar, biznes-reja, investitsion kreditlar, tadbirkorlik, moliyaviy savodxonlik, bank tizimi.Abstract
Annotatsiya. Mazkur maqolada tijorat banklari tomonidan kichik biznes subyektlarini kreditlash amaliyotidagi mavjud muammolar va ularning iqtisodiy rivojlanishga ta’siri tahlil qilingan. Tadqiqotda O‘zbekistonda kichik biznesni moliyalashtirish tizimining holati, kredit olish jarayonidagi asosiy to‘siqlar hamda Bangladesh va O‘zbekiston tajribasi qiyosiy o‘rganilgan. Natijalar shuni ko‘rsatdiki, moliyaviy savodxonlikning pastligi, garov ta’minoti muammolari, axborot texnologiyalaridan yetarli foydalanilmasligi, moliyaviy resurslarga kirish imkoniyatining cheklanganligi va biznes-rejalarni tayyorlashdagi kamchiliklar kreditlash samaradorligiga salbiy ta’sir ko‘rsatadi. Tadqiqot yakunida kredit siyosatini takomillashtirish, kredit ajratish tartiblarini soddalashtirish, uzoq muddatli resurs bazasini kengaytirish, kredit loyihalari ekspertizasini kuchaytirish hamda tadbirkorlarning moliyaviy savodxonligini oshirish bo‘yicha takliflar ishlab chiqilgan. Ushbu tavsiyalar tadbirkorlikni rivojlantirish, investitsion faollikni oshirish va iqtisodiy o‘sishni ta’minlashga xizmat qiladi.
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