TIJORAT BANKLARINING SIRKULYAR IQTISODIYOTNI MOLIYALASHTIRISHDAGI ROLINI OSHIRISH MASALALARI
Kalit so‘zlar:
sirkulyar iqtisodiyot, moliyaviy barqarorlik, tijorat banklari, Altman yondashuvi, moslashtirilgan Z-ko‘rsatkich, yashil kreditlash, kredit portfeli sifati, CIR, NPL, CAR, LDR.Abstrak
Ushbu maqolada O‘zbekiston tijorat banklarining sirkulyar iqtisodiyotni moliyalashtirishdagi ishtiroki moliyaviy barqarorlik ko‘rsatkichlari bilan qiyosiy tahlil qilinadi. Tadqiqotda MHXS ma’lumotlari asosida moslashtirilgan Z-ko‘rsatkich, CIR, NPL, CAR va LDR indikatorlari qo‘llanib, NBU, SQB va Asakabankning
2021–2025-yillardagi holati baholanadi. Natijalar banklarning moliyaviy barqarorlik profili hamda yashil va sirkulyar moliyalashtirishga institutsional tayyorgarligi bir xil emasligini ko‘rsatadi. SQBda maxsus yashil kredit mahsulotlari mavjudligi rasmiy manbalar bilan tasdiqlangan, boshqa banklar bo‘yicha esa alohida sirkulyar kredit mahsulotlari to‘g‘risida yetarli ochiq ma’lumot aniqlanmagan. Bank darajasidagi sirkulyar moliyalashtirish statistikasi cheklanganligi tadqiqotning asosiy cheklovi hisoblanadi. Natijalar sababiy bog‘liqlikni emas, qiyosiy moslikni ifodalaydi
Yuklashlar
Библиографические ссылки
1. Ellen MacArthur Foundation. The Circular Economy: Definition & Model Explained – URL: https://www.ellenmacarthurfoundation.org/topics/circular-economy-introduction/overview
2. United Nations Environment Programme. Circular Economy as an Enabler for Responsible Banking: Leveraging the Nexus Between Circularity and Sustainability Impact. – Geneva: UNEP Finance Initiative, 2024. – 68 p. – URL: https://www.unepfi.org/sdm_downloads/circular-economy-as-an-enabler-for-responsible-banking-leveraging-the-nexus-between-circularity-and-sustainability-impact/
3. O‘zbekiston Respublikasi Prezidentining 2025-yil 30-yanvardagi “O‘zbekiston – 2030” strategiyasini “Atrof-muhitni asrash va “yashil iqtisodiyot” yilida amalga oshirishga oid davlat dasturi to‘g‘risida”gi PF-16-son Farmoni – URL: https://lex.uz/uz/docs/-7369703
4. United Nations Development Programme. Green Development Finance Assessment for the Republic of Uzbekistan: Summary. – Tashkent: UNDP Uzbekistan, 2025. – 8 p. – URL: https://www.undp.org/uzbekistan/publications/green-development-finance-assessment
5. OECD. Financing Uzbekistan’s Green Transition: Capital Market Development and Opportunities for Green Bond Issuance. – Paris: OECD Publishing, 2023. – 79 p. – DOI: 10.1787/27d2489d-en.
6. Turobova H.R. O‘zbekiston strategik dasturlaridagi sirkulyar iqtisodiyot va barqaror rivojlanish maqsadlarining ustuvor yo‘nalishlari // Marketing Jurnali. – 2026. – № 6. – B. 297–306. – DOI: 10.67668/mj/2026iss6/1792.
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