XALQARO INVESTORLAR UCHUN KIRISH JARAYONLARINI SODDALASHTIRISH: KYC, HISOB OCHISH, REPATRIATSIYA VA KONVERTATSIYA MUAMMOLARI
Keywords:
Kalit so‘zlar: xalqaro investor, investor onboarding, KYC, riskga asoslangan yondashuv, hisob ochish, repatriatsiya, valyuta konvertatsiyasi, institutsional to‘siqlar, shaffoflik, investitsiya muhiti., Keywords: international investor, investor onboarding, KYC, risk-based approach, account opening, repatriation, foreign exchange conversion, institutional barriers, transparency, investment climate.Abstract
Annotatsiya. Tezisda O‘zbekistonda xalqaro investorlar ishtirokini kengaytirishning muhim sharti sifatida investor “kirish” jarayonlarini soddalashtirish masalalari tahlil qilinadi. Tadqiqotda KYC talablari, investorlarga hisob ochish amaliyoti, dividend va kapitalni repatriatsiya qilish jarayonlari hamda valyuta konvertatsiyasi bilan bog‘liq protsedural muammolar investor qarorlariga ta’sir etuvchi institutsional to‘siqlar sifatida yoritiladi. Shuningdek, xalqaro amaliyotda qo‘llaniladigan riskga asoslangan KYC (risk-based approach), masofaviy identifikatsiya va raqamli verifikatsiya, “single window” tamoyili, banklar va regulyatorlar o‘rtasida axborot almashinuvi, repatriatsiya bo‘yicha standartlashtirilgan hujjatlar hamda konvertatsiya jarayonlarida prognozlilikni kuchaytirish kabi yechimlar tizimli ko‘rib chiqiladi. Natijada investor onboarding jarayonining tezligi, xarajati va huquqiy aniqligini oshirish orqali kapital oqimlari barqarorligini kuchaytirishga xizmat qiladigan metodik takliflar shakllantiriladi.
Abstract. thesis analyzes the simplification of investor “onboarding” processes as a key prerequisite for expanding the participation of international investors in Uzbekistan. The study highlights KYC requirements, account-opening practices for investors, procedures for repatriating dividends and capital, and procedural issues related to foreign exchange conversion as institutional barriers that influence investor decisions. It also systematically reviews solutions widely applied in international practice, including risk-based KYC approaches, remote identification and digital verification, the “single window” principle, information exchange between banks and regulators, standardized documentation for repatriation, and measures to enhance predictability in currency conversion procedures. As a result, the thesis develops methodological recommendations aimed at strengthening the stability of capital inflows by improving the speed, cost-efficiency, and legal certainty of the investor onboarding process.
