O‘ZBEKISTONDA KREDIT MUDDATLARI VA INFLATSIYA O‘RTASIDAGI O‘ZARO TA‘SIR: 2018-2025-YILLAR GRANGER TESTI ASOSIDAGI TAHLIL
Keywords:
Kalit so‘zlar: Kredit siyosati, Granger Causality testi, qisqa muddatli kreditlar, uzoq muddatli kreditlar, inflyatsion bosim, makroiqtisodiy barqarorlik.Abstract
Bugungi iqtisodiy sharoitda kredit siyosatining samaradorligi nafaqat moliyaviy
barqarorlikni ta’minlash, balki inflyatsiyani boshqarishda ham muhim o‘rin tutadi.
Ushbu maqolada O‘zbekiston iqtisodiyotida 2018-2025-yillarda kredit qo‘yilmalari
qoldig‘ining o‘sishi va muddatlari bo‘yicha o‘zgarishlari, shuningdek, ularning
inflyatsiya jarayonlariga ta’siri Granger Causality testi yordamida tahlil qilinadi.
Natijalar qisqa muddatli kreditlarning inflyatsiyaga ijobiy ta’sirini ko‘rsatadi, uzoq
muddatli kreditlar esa iqtisodiy o‘sishni rag‘batlantiradi. Ma’lumotlar O‘zbekiston
Respublikasi Markaziy banki statistikasi asosida olingan bo‘lib, inflyatsiya darajasi
2024-yilda 9,63% ni tashkil etgan, 2025-yil iyun oyida esa yillik 8,7% ga yetgan.
Ushbu tadqiqot kredit siyosatini optimallashtirish bo‘yicha tavsiyalar beradi.
References
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