KRIPTOVALYUTALAR RIVOJLANAYOTGAN DAVLATLAR IQTISODIYOTI UCHUN: XAVF YOKI IMKONIYAT?
Keywords:
Kalit so'zlar: kriptovalyuta, bitkoin, stabilkoin, USDT, rivojlanayotgan davlatlar, moliyaviy inklyuziya, monetar suverenitet, XVF, El-Salvador, remitanslar.Abstract
Annotatsiya
Mazkur maqolada raqamli aktivlar, xususan kriptovalyutalar va
stabilkoinlarning rivojlanayotgan davlatlar iqtisodiyotiga ko'p qirrali ta'siri
kompleks ravishda tahlil qilinadi. Tadqiqotda 2025–2026-yillarga oid eng so'nggi
empirik ma'lumotlar — Chainalysis Global Crypto Adoption Index, Xalqaro
Valyuta Fondi (XVF) rasmiy hisobotlari, TRM Labs va Jahon banki statistik
ma'lumotlaridan foydalanilgan holda raqamli aktivlarning moliyaviy inklyuziya,
transchegaraviy o'tkazmalar va inflyatsiyaga qarshi himoya vositasi sifatidagi
salohiyati o'rganildi. Shu bilan birga, narx volatilligi, monetar suverenitetga
tahdid, jinoiy faoliyat va iste'molchilarni himoya qilish kabi tizimli xavflar ham
batafsil ko'rib chiqildi. El-Salvador, Nigeriya, Argentina, Hindiston va Meksika
tajribasi qiyosiy tahlil etilib, mualliflik xulosasiga ko'ra kriptovalyutalar
rivojlanayotgan davlatlar uchun bir vaqtning o'zida ham imkoniyat, ham xavf
manbai bo'lib qolmoqda. Ularning sof iqtisodiy ta'siri esa, eng avvalo, tartibga
solish siyosatining sifati, institutsional bazaning mustahkamligi va aholining
moliyaviy savodxonlik darajasiga bog'liqdir.
References
Foydalanilgan adabiyotlar
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