IQTISODIY SIYOSATNING MUAMMOLI KREDITLARGA TA’SIRI: O‘ZBEKISTON MISOLIDA
DOI:
https://doi.org/10.5281/zenodo.16423072Keywords:
muammoli kreditlar, monetar siyosat, fiskal siyosat, moliyaviy nazorat, iqtisodiy o‘sish, valyuta kursining o‘zgaruvchanligi, bank sektori, kredit xatarlari, moliyaviy barqarorlik.Abstract
Ushbu maqolada O‘zbekiston bank sektorida muammoli kreditlar (NPLs)ga iqtisodiy siyosat omillarining ta’siri panel ma’lumotlar asosida regressiya tahlili orqali o‘rganiladi. Empirik natijalar shuni ko‘rsatadiki, qat’iy monetar siyosat va kuchli moliyaviy nazorat NPL darajasini sezilarli kamaytiradi, aksincha, ekspansiv fiskal siyosat, valyuta kursining o‘zgaruvchanligi va yuqori kredit-depozit nisbati ortishiga olib keladi. Shuningdek, YAIM o‘sishi kabi makroiqtisodiy barqarorlik indikatorlari va ROA hamda bank hajmi kabi bankga xos ko‘rsatkichlar NPL dinamikasida muhim rol o‘ynaydi. Olingan natijalar makroiqtisodiy va tartibga soluvchi siyosatlarning uyg‘unlashuvi bank sektorida moliyaviy barqarorlik va kredit sifati yaxshilanishida muhim omil ekanligini tasdiqlaydi. Siyosiy tavsiyalar ehtiyotkor monetar va fiskal siyosat yuritish, risklarni samarali boshqarish va moliyaviy nazorat tizimini kuchaytirishni o‘z ichiga oladi.
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