O‘ZBEKISTONDA ISLOMIY BANKLARNI TASHKIL ETISHNING INSTITUTSIONAL ASOSLARI VA  ULARNI RIVOJLANTIRISH ISTIQBOLLARI

Akrom Omonov

doi:10.68549/f2q13750

Mualliflar

Akrom Omonov Toshkent davlat iqtisodiyot universiteti, “Bank ishi” kafedrasi professori. Author

##doi.readerDisplayName##:

https://doi.org/10.68549/f2q13750

Kalit so‘zlar:

islomiy bank, islomiy moliya, bank tizimi, institutsional islohotlar, islomiy darcha, moliyaviy resurslar, bank nazorati, moliyaviy xizmatlar, investitsiya, moliyaviy barqarorlik.

Annotatsiya

Ushbu maqolada O‘zbekistonda islomiy banklarni tashkil etishning iqtisodiy zarurati, huquqiy va institutsional asoslari hamda ularni rivojlantirish istiqbollari tadqiq etilgan. Mamlakatimizda islomiy bank faoliyatini joriy etish bo‘yicha amalga oshirilayotgan islohotlar, xususan, 2026-yilda qabul qilingan qonunchilik hujjatlarining bank tizimini diversifikatsiya qilish va moliyaviy xizmatlar qamrovini kengaytirishdagi ahamiyati yoritilgan. Islomiy banklarning an’anaviy tijorat banklaridan farqli jihatlari, ularni tashkil etishning institutsional modellari, shuningdek, moliyaviy resurslarni jalb qilish va real sektorni moliyalashtirishdagi imkoniyatlari tahlil qilingan. Xalqaro islomiy moliya standartlari va xorijiy mamlakatlar tajribasi asosida O‘zbekistonda islomiy banklarni bosqichma-bosqich tashkil etish, ularning faoliyatini tartibga solish, korporativ boshqaruv va prudensial nazorat mexanizmlarini rivojlantirish yo‘nalishlari asoslab berilgan. Tahlillar natijasida islomiy banklarni milliy bank tizimiga integratsiya qilish, institutsional infratuzilmani takomillashtirish va islomiy moliyaviy xizmatlar bozorini rivojlantirishga qaratilgan ilmiy taklif va amaliy tavsiyalar ishlab chiqilgan.

##plugins.themes.default.displayStats.downloads##

##plugins.themes.default.displayStats.noStats##

Adabiyotlar

1. Islamic Financial Services Board. Core Principles for Islamic Finance Regulation (Banking Segment): IFSB-17. — Kuala Lumpur: IFSB, 2015. — ISBN 978-967-5687-44-0. — URL: https://www.ifsb.org/wp-content/uploads/2023/10/IFSB-17-Core-Principles-for-Islamic-Finance-Regulation-Banking-Segment-December-2015-final.pdf

2. O‘zbekiston Respublikasi. O‘zbekiston Respublikasining ayrim qonun hujjatlariga O‘zbekistonda islomiy bank faoliyatini joriy etishga qaratilgan qo‘shimcha va o‘zgartirishlar kiritish to‘g‘risida: 2026-yil 27-martdagi O‘RQ-1126-sonli Qonun (2026-yil 29-iyundan kuchga kirgan). — URL: https://lex.uz/uz/acts/-8099403

3. O‘zbekiston Respublikasi. Soliq kodeksi: 2019-yil 30-dekabrdagi O‘RQ-599-sonli Qonun bilan tasdiqlangan (amaldagi tahrir), 480³–480⁶-moddalar. — URL: https://lex.uz/uz/acts/-4674902

4. Chapra M. U. Towards a Just Monetary System: A Discussion of Money, Banking, and Monetary Policy in the Light of Islamic Teachings. — Leicester: The Islamic Foundation, 1985. — 292 p.

5. Iqbal Z., Mirakhor A. An Introduction to Islamic Finance: Theory and Practice. — 2nd ed. — Singapore: John Wiley & Sons (Asia), 2011. — XIV, 406 p. — DOI: 10.1002/9781118390474.

6. Beck T., Demirgüç-Kunt A., Merrouche O. Islamic vs. Conventional Banking: Business Model, Efficiency and Stability // Journal of Banking & Finance. — 2013. — Vol. 37, No. 2. — P. 433–447. — DOI: 10.1016/j.jbankfin.2012.09.016.

7. Bank Negara Malaysia. Shariah Advisory Council of Bank Negara Malaysia. — Rasmiy ma’lumot. — URL: https://www.bnm.gov.my/committees/sac

8. O‘zbekiston Respublikasi Markaziy banki. Prospects for Cooperation with Malaysia on the Development of Islamic Finance. — 2026. — 27 August. — URL: https://cbu.uz/en/press_center/releases/4420427/

9. First Islamic Banking License Issued in Uzbekistan // Yuz.uz. — 2026. — 26 October. — URL: https://yuz.uz/index.php/en/news/first-islamic-banking-license-issued-in-uzbekistan

10. Kammer A., Norat M., Piñón-Farah M. A., Prasad A., Towe C. M., Zeidane Z. Islamic Finance: Opportunities, Challenges, and Policy Options. — Washington, DC: International Monetary Fund, 2015. — 38 p. — (IMF Staff Discussion Note; SDN/15/05). — DOI: 10.5089/9781498325035.006.

11. Hussain M., Shahmoradi A., Turk R. An Overview of Islamic Finance. — Washington, DC: International Monetary Fund, 2015. — 35 p. — (IMF Working Paper; WP/15/120). — DOI: 10.5089/9781513590745.001.

12. World Bank Group, Islamic Development Bank Group. Islamic Finance: A Catalyst for Shared Prosperity? Global Report on Islamic Finance. — Washington, DC: World Bank, 2017. — 252 p. — ISBN 978-1-4648-0926-2. — URL: https://documents1.worldbank.org/curated/en/628081489782181707/pdf/Islamic-finance-a-catalyst-for-shared-prosperity.pdf

13. Basu R., Prasad A., Rodriguez S. L. Monetary Operations and Islamic Banking in the GCC: Challenges and Options. — Washington, DC: International Monetary Fund, 2015. — 27 p. — (IMF Working Paper; WP/15/234). — DOI: 10.5089/9781513588513.001.

14. Lukonga I. Islamic Finance, Consumer Protection, and Financial Stability. — Washington, DC: International Monetary Fund, 2015. — 39 p. — (IMF Working Paper; WP/15/107). — DOI: 10.5089/9781513515106.001.

15. Lukonga I. Q&A: Seven Questions on Islamic Finance // IMF Research Bulletin. — 2015. — Vol. 16, No. 2. — P. 6–9. — DOI: 10.5089/9781513500041.026.A003.