TIJORAT BANKLARINING LIKVIDLIGI VA MOLIYAVIY BARQARORLIGINI TA’MINLASH STRATEGIYALARI: MILLIY VA XALQARO TAJRIBA
Ключевые слова:
Kalit so‘zlar: tijorat banklari, likvidlik, moliyaviy barqarorlik, Z-score, regressiya tahlili, Basel III, kapital yetarliligi.Аннотация
Annotatsiya: Ushbu tadqiqot tijorat banklarining likvidligini ta’minlash va moliyaviy barqarorlikni boshqarish strategiyalarini Agrobank ATB misolida va xalqaro banklar (J.P. Morgan Chase, Landesbank, Commerzbank, UBS Group, Agriculture Bank of China) tajribasi asosida tahlil qiladi. Regressiya tahlili va Z-score modeli yordamida aktivlar rentabelligi (ROA), xarajatlarning daromadga nisbati (CIR), kapital yetarliligi koeffitsiyenti (CAR), likvidlikni qoplash koeffitsiyenti (LCR), bank hajmi (BS) va daromad diversifikatsiyasi (ID) kabi ko‘rsatkichlarning moliyaviy barqarorlikka ta’siri baholanadi. Natijalar shuni ko‘rsatadiki, ROA va CAR Agrobank ATB va Xitoyning Agriculture bankida barqarorlikni sezilarli darajada oshiradi, CIRning ta’siri esa kontekstga bog‘liq. LCRning ta’siri cheklangan bo‘lib, likvidlik boshqaruvidagi muammolarni ko‘rsatadi. Tavsiyalar kredit portfelini optimallashtirish, raqamli bank xizmatlarini rivojlantirish va operatsion samaradorligini oshirish va daromadlarni xilma xilligini o‘z ichiga oladi. Tadqiqotda xalqaro tajribalarni O‘zbekiston bank tizimiga integratsiyalash orqali barqarorlik va raqobatbardoshlikni oshirish muhimligini ta’kidlaydi.
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