O'ZBEKISTON RESPUBLIKASI HUDUDLARINING IJTIMOIY-IQTISODIY RIVOJLANISHIDA TIJORAT BANKLARINING O'RNI (Лучшие интеллектуальные исследования, 2025)
Annotatsiya. Mazkur maqolada O‘zbekiston Respublikasi hududlarining ijtimoiy-iqtisodiy rivojlanishida tijorat banklarining o‘rni va ularning iqtisodiy taraqqiyotga qo‘shayotgan hissasi tahlil qilingan. Tijorat banklari hududlarning moliyaviy resurslarga bo‘lgan ehtiyojini qondirish, tadbirkorlikni rivojlantirish va yangi ish o‘rinlarini yaratishda muhim ahamiyatga ega. Maqolada tijorat banklarining moliyaviy mahsulot va xizmatlar ko‘lamini kengaytirish, hududiy iqtisodiy muammolarni hal etishda bank kreditlaridan foydalanish va bank xizmatlarini raqamlashtirishning afzalliklari o‘rganilgan. Tadqiqot davomida hududlarning ijtimoiy-iqtisodiy rivojlanishida tijorat banklarining samaradorligini oshirish uchun moliyaviy xizmatlarni diversifikatsiya qilish, zamonaviy texnologiyalarni joriy etish va hududiy moliyaviy dasturlarni takomillashtirish bo‘yicha taklif va tavsiyalar ishlab chiqilgan. Ushbu tadqiqot natijalari O‘zbekiston hududlarining iqtisodiy rivojlanishini rag‘batlantirishga qaratilgan strategik qarorlar qabul qilishda amaliy qo‘llanma sifatida foydalanilishi mumkin.Abstract. This article analyzes the role of commercial banks in the socio-economic development of the regions of the Republic of Uzbekistan and their contribution to economic progress. Commercial banks play a significant role in meeting the financial resource needs of regions, fostering entrepreneurship, and creating new jobs. The article examines the advantages of expanding the range of financial products and services offered by commercial banks, addressing regional economic challenges through bank loans, and digitizing banking services. During the research, proposals and recommendations were developed to enhance the efficiency of commercial banks in the socio-economic development of regions by diversifying financial services, introducing modern technologies, and improving regional financial programs. The results of this study can serve as a practical guide for making strategic decisions aimed at promoting economic development in Uzbekistan's regions.