ISLOM BANKCHILIGINI JORIY ETISHDA BANK INFRATUZILMASINING TRANSFORMATSIYA TALABLARI
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https://doi.org/10.5281/zenodo.17779857Kalit so‘zlar:
islom bankchiligi, bank infratuzilmasi, shariat komplayensi, sukuk bozori, risk-sharing, core banking, raqamli audit, islomiy moliya.Abstrak
Mazkur maqolada O‘zbekistonda islom bankchiligini joriy etish jarayonida bank infratuzilmasining transformatsiya talablari tizimli tahlil qilingan. Tadqiqotda islomiy moliya prinsiplariga asoslangan operatsion, texnologik, regulyativ va shariat nazorati mexanizimlarining milliy bank tizimi bilan mosligi o‘rganildi. Xalqaro tajriba – Malayziya, Bahrayn va Turkiya modellari asosida O‘zbekiston infratuzilmasining mavjud holati baholanib, sukuk bozori, shariat komplayensi, core banking tizimlari, raqamli audit va risk-sharing mexanizmlari kabi yo‘nalishlarda mavjud bo‘shliqlar aniqlangan. Tahlillar shuni ko‘rsatadiki, islom bankchiligini samarali joriy etish O‘zbekistonda markazlashtirilgan shariat kengashi, islomiy kliring tizimi, sukuk infratuzilmasi va shariatga mos axborot texnologiyalari modullarini yaratishni talab etadi. Mazkur natijalar islomiy moliya ekotizimini shakllantirish jarayonida institutsional va texnologik islohotlarning o‘zaro integratsiyasining muhimligini asoslaydi.
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