KICHIK BIZNES SUBYEKTLARI FAOLIYATINI SAMARALI KREDITLASH AMALIYOTI
Keywords:
Kalit so‘zlar: kichik biznes, kreditlash, tijorat banklari, moliyaviy barqarorlik, iqtisodiy samaradorlik, O‘zbekiston, raqamli bank xizmatlari, moliyaviy inklyuziya., Keywords: small business, lending, commercial banks, financial stability, economic efficiency, Uzbekistan, digital banking, financial inclusion.Abstract
Mazkur maqolada O‘zbekiston miqyosida kichik biznes subyektlarini samarali kreditlash amaliyotining nazariy va amaliy jihatlari tahlil qilingan. Unda kichik biznesning mamlakat iqtisodiyotidagi o‘rni, moliyaviy barqarorlikni ta’minlashdagi roli hamda tijorat banklari tomonidan kredit siyosatini takomillashtirish masalalari yoritilgan. Shuningdek, tadqiqotda kredit resurslarini taqsimlashda iqtisodiy samaradorlikni oshirish, garov mexanizmlarini soddalashtirish, raqamli bank xizmatlari orqali moliyaviy inklyuziyani kengaytirish imkoniyatlari o‘rganilgan. Maqola natijalari O‘zbekiston sharoitida kichik biznesni qo‘llab-quvvatlash siyosatini yanada takomillashtirish uchun amaliy tavsiyalarni o‘z ichiga oladi.
This article analyzes the theoretical and practical aspects of effective lending practices for small business entities in Uzbekistan. It highlights the role of small businesses in the national economy, their contribution to financial stability, and the importance of improving the credit policies of commercial banks. The study also examines ways to enhance economic efficiency in the allocation of credit resources, simplify collateral mechanisms, and expand financial inclusion through digital banking services. The findings of the article provide practical recommendations for strengthening policies that support small business development in Uzbekistan.
