TIJORAT BANKLARIDA ESKROU HISOBVARAQLARIDAN FOYDALANISH MASALALARI
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https://doi.org/10.5281/zenodo.17627231Kalit so‘zlar:
tijorat banki, eskrou hisobvarag‘i, loyihaviy moliyalashtirish, kredit stavkasi, bank daromadi, moliyaviy barqarorlik, risk menejmenti.Abstrak
Mazkur maqolada tijorat banklarida eskrou hisobvaraqlaridan foydalanish masalalari ilmiy-nazariy hamda amaliy jihatdan tahlil qilingan. Tadqiqot davomida eskrou hisobvarag‘ining iqtisodiy mohiyati, huquqiy asoslari va tijorat banklari faoliyatidagi o‘rni o‘rganildi. Shuningdek, O‘zbekiston Respublikasi Prezidentining 2025-yil 27-yanvardagi PF–11-son Farmoni asosida joriy etilayotgan eskrou tizimining amaliy mexanizmlari tahlil qilindi. Maqolada xorijiy tajriba, xususan, AQSh va Yevropa Ittifoqi mamlakatlarida eskrou hisobvaraqlari qo‘llanishi misolida tahliliy natijalar keltirilgan. Eskrou hisobvarag‘ida jamlangan mablag‘lar hajmidan kelib chiqib kredit foiz stavkalarini bosqichma-bosqich kamaytirish orqali bank daromadini oshirishga oid iqtisodiy-matematik model ishlab chiqildi va empirik tarzda asoslandi. Tadqiqot natijalari eskrou mexanizmining bank risklarini kamaytirish, moliyaviy barqarorlikni mustahkamlash hamda investitsion muhitni yaxshilashdagi samaradorligini ko‘rsatadi.
Библиографические ссылки
2025-yil 27-sentabrdagi Oʻzbekiston Respublikasi Prezidentining “Uy-joy qurilishi sohasini yanada rivojlantirish, turar va noturar joy obyektlarini ulush kiritish asosida qurish jarayonini tartibga solish mexanizmlarini takomillashtirish chora-tadbirlari to‘g‘risida”gi PF 11-son Farmoni. https://lex.uz/
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