BANK BIZNES MODELI ORQALI TADBIRKORLIK FAOLIYATINI RIVOJLANTIRISHDA XORIJ TAJRIBASI
DOI:
https://doi.org/10.5281/zenodo.19219070Keywords:
bank biznes modeli, tadbirkorlik, xorijiy tajriba, kichik va o‘rta biznes, moliyaviy bo‘shliq, open banking, fintech, raqamli transformatsiya, platforma modeli, moliyaviy inklyuziyaAbstract
Ushbu ilmiy maqola bank biznes modellari orqali tadbirkorlik faoliyatini rivojlantirishda xorijiy davlatlar tajribasini qiyosiy o‘rganishga bag‘ishlangan. Tadqiqotda bank biznes modelining mohiyati — qiymat yaratish, uni mijozlarga yetkazish va barqaror foyda oqimini ta’minlash tizimi sifatida — nazariy jihatdan asoslab berilgan. Maqolada rivojlangan davlatlar va rivojlanayotgan bozorlar tajribasi keng qiyosiy tahlil qilinib, kichik va o‘rta biznesni moliyalashtirishdagi global bo‘shliq va uning mintaqaviy ko‘rinishlari o‘rganilgan. Open banking, fintech texnologiyalari, platforma modellari va ekotizim yondashuvi kabi innovatsion mexanizmlarning tadbirkorlik faolligiga ta’siri maxsus o‘rganilgan. Tadqiqot natijalari asosida O‘zbekiston bank tizimini zamonaviy biznes modellar asosida isloh qilish va tadbirkorlikka ko‘rsatiladigan bank xizmatlarini sifat jihatidan yangilash bo‘yicha amaliy tavsiyalar ishlab chiqilgan
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