DAVLAT ULISHIGA EGA BO'LGAN BANKLARNING RAQOBATBARDOSHLIGINI OSHIRISH YO'LLARI

Аннотация

 Annotatsiya. Mazkur maqolada davlat ulushiga ega bo‘lgan banklarning raqobatbardoshligini oshirish masalalari tahlil qilingan. Banklar sektorida davlat ulushiga ega bo‘lgan banklarning o‘rni iqtisodiy barqarorlikni ta’minlash, moliyaviy xizmatlar sifatini oshirish va mijozlar ehtiyojlarini qondirishda muhim ahamiyat kasb etadi. Maqolada davlat ulushiga ega banklarning faoliyatini moliyaviy boshqarishning hozirgi holati, raqobatbardoshlikni ta’minlash uchun zamonaviy texnologiyalarni joriy qilish va xizmatlar diversifikatsiyasining afzalliklari o‘rganilgan. Tadqiqot davomida banklarning innovatsion yechimlardan foydalanishini kengaytirish, mijozlar bilan ishlashda raqamli texnologiyalarni joriy qilish, hamda investitsiyalar va xalqaro hamkorlikni rivojlantirish bo‘yicha taklif va tavsiyalar ishlab chiqilgan. Ushbu tadqiqot natijalari davlat ulushiga ega banklarning raqobatbardoshligini oshirish va ularning moliyaviy barqarorligini ta’minlashga qaratilgan strategik qarorlar qabul qilishda amaliy qo‘llanma sifatida foydalanilishi mumkin.

Abstract. This article examines the issues of enhancing the competitiveness of state-owned banks. The role of state-owned banks in the banking sector is crucial in ensuring economic stability, improving the quality of financial services, and meeting customer needs. The article analyzes the current state of financial management in state-owned banks, the advantages of introducing modern technologies, and the diversification of services to ensure competitiveness. The study develops proposals and recommendations for expanding the use of innovative solutions, introducing digital technologies in customer service, and promoting investments and international cooperation. The results of this study can serve as a practical guide for making strategic decisions aimed at increasing the competitiveness and financial stability of state-owned banks.