KICHIK BIZNES SUBYEKTLARIGA AJRATILAYOTGAN BANK KREDITLARINING IQTISODIY SAMARADORLIGINI BAHOLASH
DOI:
https://doi.org/10.5281/zenodo.21539124Keywords:
kichik biznes, bank krediti, iqtisodiy samaradorlik, kreditlash mexanizmi, kreditga layoqatlilik, axborot asimmetriyasi, kredit riski, operatsion pul oqimi, rentabellik, kredit monitoringi, moliyaviy barqarorlik.Abstract
Mazkur maqolada kichik biznes subyektlariga ajratilayotgan bank kreditlarining iqtisodiy
samaradorligini baholashning nazariy-metodologik asoslari, mezonlari va amaliy mexanizmlari tadqiq etilgan.
Kreditlash natijadorligi qarz oluvchi subyektning qo‘shimcha daromadi, operatsion pul oqimi, ishlab chiqarish
hajmi, rentabelligi, mehnat unumdorligi, bandlik ko‘rsatkichlari va moliyaviy barqarorligida yuzaga kelgan
sifat hamda miqdor o‘zgarishlari bilan o‘zaro bog‘liq holda baholanishi zarurligi ko‘rsatilgan. Kreditdan oldingi
bazaviy holatni aniqlash, kreditdan keyingi qo‘shimcha natijani o‘lchash, riskka moslashtirilgan daromadni
hisoblash, raqamli monitoring va pul oqimiga asoslangan kreditlashni takomillashtirish bo‘yicha ilmiy takliflar
ishlab chiqilgan.
References
1. Stiglitz J.E., Weiss A. Credit Rationing in Markets with Imperfect Information // American Economic Review.
1981. Vol. 71. No. 3. P. 393–410.
2. Berger A.N., Udell G.F. A More Complete Conceptual Framework for SME Finance // Journal of Banking
and Finance. 2006. Vol. 30. No. 11. P. 2945–2966.
3. Beck T., Demirgüç-Kunt A., Maksimovic V. Financing Patterns Around the World: Are Small Firms Different?
// Journal of Financial Economics. 2008. Vol. 89. No. 3. P. 467–487.
4. Beck T., Demirgüç-Kunt A., Martinez Peria M.S. Bank Financing for SMEs Around the World: Drivers,
Obstacles, Business Models and Lending Practices. World Bank Policy Research Working Paper.
Washington, 2008.
5. De la Torre A., Martinez Peria M.S., Schmukler S.L. Bank Involvement with SMEs: Beyond Relationship
Lending // Journal of Banking and Finance. 2010. Vol. 34. No. 9. P. 2280–2293.
6. Tadjibaeva D. Small and Medium-Sized Enterprise Finance in Uzbekistan: Challenges and Opportunities.
ADBI Working Paper No. 997. Tokyo: Asian Development Bank Institute, 2019.
7. Abdullayeva Sh.Z., Azizov U.O‘. Bank ishi: darslik. – Toshkent: Iqtisod-moliya, 2019. – 540 b.
8. Kichik biznes va xususiy tadbirkorlik subyektlarini imtiyozli kreditlar ajratish orqali rivojlantirish // Iqtisodiyot
va innovatsion texnologiyalar ilmiy elektron jurnali. – Toshkent, 2025.
9. Beck T., Demirgüç-Kunt A., Martinez Peria M.S. Bank Financing for SMEs: Evidence Across Countries and
Bank Ownership Types // Journal of Financial Services Research. 2011. Vol. 39. P. 35–54.
10. World Bank. Improving Access to Finance for Small and Medium Enterprises. Washington, D.C.: World
Bank.
11. Asian Development Bank. Uzbekistan: Small Business Finance Project. Manila: ADB.
12. O‘zbekiston Respublikasi Markaziy banki. Kichik tadbirkorlik subyektlarini kreditlash va bank risklarini
boshqarishga oid tahliliy materiallar. – Toshkent.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2026 GREEN ECONOMY AND DEVELOPMENT
This work is licensed under a Creative Commons Attribution 4.0 International License.