Том 11 № 2 (2025): MOLIYA VA BANKISHI
Nashr maqolalari

O‘ZBEKISTONDA “YASHIL” MOLIYA AMALIYOTINING MUAMMOLI KREDITLAR DINAMIKASIGA TA’SIRI: BARQAROR MOLIYAVIY RIVOJLANISH YO‘LIDA TAHLILIY YONDASHUV

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  • Mashhurbek Jalalov
Mashhurbek Jalalov
71 237 53 85

Nashr qilingan 2025-06-27

Kalit so'zlar

Iqtibos

Jalalov, M. (2025). O‘ZBEKISTONDA “YASHIL” MOLIYA AMALIYOTINING MUAMMOLI KREDITLAR DINAMIKASIGA TA’SIRI: BARQAROR MOLIYAVIY RIVOJLANISH YO‘LIDA TAHLILIY YONDASHUV. MOLIYA VA BANK ISHI, 11(2), 44–51. Retrieved from https://journal.bfa.uz/index.php/bfaj/article/view/326

Аннотация

    Ushbu tadqiqot O‘zbekiston bank sektorida yashil moliya hamda kredit xavfi o‘rtasidagi bog‘liqlikni empirik jihatdan tahlil qiladi. Panel regressiya modeli asosida 2020–2024-yillar davomida 35 ta tijorat banki bo‘yicha kvartal ma’lumotlaridan foydalanildi. Tadqiqot natijalari yashil loyihalarda ishtirok etayotgan banklarda nomsifatli kreditlar (NPL) darajasining past ekanligini ko‘rsatdi. Shuningdek, LOAN × GreenInvest interaksiya atamasi ham manfiy hamda statistik jihatdan ahamiyatli chiqdi, bu esa yirik kredit portfelliga ega banklarda yashil moliyalashtirish NPL darajasini yanada pasaytirishini anglatadi. RE modeli bilan FGLS usulini birlashtirish orqali heteroskedastiklik, avtokorrelyatsiya va kesimlararo bog‘liqlik kabi statistik muammolardan saqlanildi. Davlat banklarida NPL darajasi yuqori bo‘lib, likvidlik xavfi (LDR) ham NPL darajasiga musbat ta’sir qildi. Iqtisodiy o‘sish (GDPg) esa NPL darajasini kamaytiruvchi omil sifatida aniqlandi. Ushbu natijalar yashil moliyaning bank sektori barqarorligini mustahkamlash vositasi sifatida dolzarb ekanligini tasdiqlaydi. Natijalarga asoslanib, O‘zbekistonda yashil moliyalashtirishni rivojlantirish uchun ESG mezonlariga asoslangan normativ bazani mustahkamlash, yashil kreditlar uchun alohida hisobot tizimini joriy etish, shuningdek, bank xodimlarining malakasini oshirish tavsiya etiladi.

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