TIJORAT BANKLARIDA AKTIVLAR DIVERSIFIKATSIYASINING RENTABELLIK VA LIKVIDLIKKA TA’SIRI
DOI:
https://doi.org/10.5281/zenodo.16990618Keywords:
tijorat banklari, aktivlar divesifikatsiyasi, rentabellik, likvidlilik, ROA, ROE, LAR, bank islohotlari, moliyaviy barqarorlik, O‘zbekiston bank tizimi, kredit siyosati, bank risklarini boshqarish.Abstract
Ushbu maqolada O‘zbekiston tijorat banklarida aktivlar diversifikatsiyasining moliyaviy samaradorlik ko‘rsatkichlari — rentabellik (ROA, ROE) va likvidlik (LAR) darajasiga ta’siri empirik jihatdan tahlil qilingan. So‘nggi yillarda bank sektorida amalga oshirilayotgan islohotlar, xususan, faoliyat yo‘nalishlarining kengaytirilishi va raqobatning kuchayishi sharoitida, aktivlar portfelining diversifikatsiyasi tijorat banklari uchun strategik ahamiyat kasb etmoqda. Tadqiqot 2017–2024-yillar oralig‘ida faoliyat yuritgan yirik banklar misolida olib borilib, panel ma’lumotlar asosida ko‘rsatkichlar o‘rtasidagi bog‘liqlik panel regressiya usuli orqali tahlil etilgan. Natijalar shuni ko‘rsatadiki, dastlab kreditlar ulushining ortishi banklarning ROA va ROE ko‘rsatkichlarini ijobiy ta’sirlantirgan bo‘lsa-da, uzoq muddatda bu omil kapital samaradorligining pasayishiga olib kelgan. Boshqa tomondan, keyingi yillarda aktivlar tarkibining diversifikatsiyalashuvi moliyaviy barqarorlik va resurslardan samarali foydalanish imkoniyatlarini kuchaytirgan. Mazkur maqolada tijorat banklari uchun investitsion portfelni shakllantirish, risklarni boshqarish va moliyaviy barqarorlikni ta’minlashda amaliy va strategik tavsiyalar berilgan.
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