O‘ZBEKISTONDA AHOLINING MOLIYAVIY SAVODXONLIGI VA UNING BANK TIZIMI BILAN O‘ZARO ALOQASI
Keywords:
moliya, savodxonlik, bank, inklyuzivlik, ishonch, xizmatlar.Abstract
Ushbu maqola O‘zbekiston Respublikasida aholining moliyaviy savodxonligi darajasini va uning bank tizimi bilan o‘zaro bog‘liqligini o‘rganadi. Tadqiqot shuni ko‘rsatadiki, aholining moliyaviy bilimlari, ko‘nikmalari va huquqlarini anglash darajasi (moliya savodxonligi) mamlakat bank tizimining rivojlanishi va samaradorligiga bevosita ta’sir ko‘rsatadi. Past moliyaviy savodxonlik bank xizmatlaridan foydalanish darajasini cheklab, naqd pulga ishonishni kuchaytiradi, bu esa bank tizimining chuqurlashishiga to‘sqinlik qiladi. Shu bilan birga, faol va innovatsion bank tzimi, aholiga qulay va tushunarli mahsulotlar taklif etish orqali, moliyaviy
savodxonlikni oshirishda muhim rol o‘ynaydi. Maqolada O‘zbekistonda moliyaviy savodxonlikni oshirish va bank tizimini rivojlantirish choralarini integratsiyalash zarurligi ta’kidlanib, ikkala soha o‘rtasidagi musbat sinergiya yaratish yo‘llari taklif etiladi. Natijada, yuqori moliyaviy savodxonlik bank tizimiga ishonchni oshiradi, moliyaviy inklyuzivlikni kengaytiradi va iqtisodiy o‘sishga hissa qo‘shadi.
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