ELEKTRON SAVDODA MUDDATLI TO‘LOV MUNOSABATLARINI MOLIYAVIY TARTIBGA SOLISH: XORIJIY TADQIQOTLAR ASOSIDA QIYOSIY TAHLIL

Iskandarova Munisa Hasan qizi

Toshkent xalqaro

universiteti tayanch doktoranti

munisaravshanova@mail.ru

Annotatsiya: Mazkur maqolada elektron savdo platformalarida keng qo‘llanilayotgan muddatli to‘lov, jumladan, “hozir xarid qil, keyin to‘la” (Buy Now, Pay Later — BNPL) xizmatlari doirasida yuzaga keladigan moliyaviy munosabatlarni tartibga solishning zamonaviy yondashuvlari xorijiy ilmiy tadqiqotlar asosida qiyosiy tahlil qilinadi. Tadqiqotda BNPL xizmatlarining iste’molchilarning xarid xulqi, qarzdorlik darajasi va moliyaviy qarorlariga ta’siri, shuningdek, mazkur xizmatlardan foydalanish bilan bog‘liq moliyaviy risklar va iste’molchilarni moliyaviy himoya qilish masalalariga alohida e’tibor qaratilgan. Xorijiy tadqiqotlar natijalarini tizimlashtirish orqali muddatli to‘lov xizmatlarini tartibga solishda kreditga layoqatlilikni baholash, qarz yukini monitoring qilish, to‘lov shartlari va umumiy xarajatlarning shaffofligini ta’minlash, elektron savdo platformalari hamda moliyalashtiruvchi subyektlarning mas’uliyatini belgilash kabi asosiy yo‘nalishlar ajratib ko‘rsatiladi. Tadqiqot natijasida muddatli to‘lov xizmatlarini haddan tashqari cheklashdan ko‘ra, moliyaviy innovatsiyalar rivoji va iste’molchilar manfaatlarini himoya qilish o‘rtasidagi muvozanatni ta’minlovchi mutanosib tartibga solish yondashuvi zarurligi asoslanadi.

Kalit so‘zlar: elektron savdo, muddatli to‘lov, Buy Now Pay Later (BNPL), moliyaviy tartibga solish, iste’mol krediti, qarz yuki, moliyaviy risk, iste’molchilarni moliyaviy himoya qilish, kreditga layoqatlilik, moliyaviy shaffoflik.

ФИНАНСОВОЕ РЕГУЛИРОВАНИЕ ОТНОШЕНИЙ РАССРОЧЕННОЙ ОПЛАТЫ В ЭЛЕКТРОННОЙ КОММЕРЦИИ: СРАВНИТЕЛЬНЫЙ АНАЛИЗ НА ОСНОВЕ ЗАРУБЕЖНЫХ ИССЛЕДОВАНИЙ

Искандарова Муниса Хасан кизи

Соискатель научной степени (докторант)

Ташкентского международного университета

munisaravshanova@mail.ru

Аннотация: В данной статье на основе зарубежных научных исследований проводится сравнительный анализ современных подходов к финансовому регулированию отношений, возникающих при использовании рассроченной оплаты на платформах электронной коммерции, включая услуги «купи сейчас, плати потом» (Buy Now, Pay Later — BNPL). Особое внимание уделяется влиянию BNPL на покупательское поведение, уровень задолженности и финансовые решения потребителей, а также финансовым рискам и вопросам финансовой защиты потребителей. На основе систематизации результатов зарубежных исследований выделены основные направления регулирования услуг рассроченной оплаты, включая оценку кредитоспособности, мониторинг долговой нагрузки, обеспечение прозрачности условий оплаты и общей стоимости обязательств, а также определение ответственности электронных торговых платформ и субъектов, предоставляющих финансирование. В результате исследования обосновывается необходимость применения пропорционального подхода к регулированию, направленного на обеспечение баланса между развитием финансовых инноваций и защитой интересов потребителей.

Ключевые слова: электронная коммерция, рассроченная оплата, Buy Now Pay Later (BNPL), финансовое регулирование, потребительский кредит, долговая нагрузка, финансовый риск, финансовая защита потребителей, кредитоспособность, финансовая прозрачность.

FINANCIAL REGULATION OF DEFERRED PAYMENT RELATIONS IN E-COMMERCE: A COMPARATIVE ANALYSIS BASED ON INTERNATIONAL RESEARCH

Iskandarova Munisa Hasan kizi

PhD Researcher, Tashkent International University

munisaravshanova@mail.ru

Abstract: This article provides a comparative analysis of contemporary approaches to the financial regulation of deferred payment arrangements on e-commerce platforms, including Buy Now, Pay Later (BNPL) services, based on international academic research. Particular attention is paid to the effects of BNPL services on consumer purchasing behaviour, indebtedness and financial decision-making, as well as the associated financial risks and consumer financial protection issues. By systematising the findings of international studies, the article identifies key areas of regulation, including creditworthiness assessment, debt-burden monitoring, transparency of payment terms and total financial obligations, and the allocation of responsibilities between e-commerce platforms and financing providers. The study argues for a proportionate regulatory approach that seeks to balance the development of financial innovation with the protection of consumer interests rather than relying solely on restrictive measures.

Keywords: e-commerce, deferred payment, Buy Now Pay Later (BNPL), financial regulation, consumer credit, indebtedness, financial risk, consumer financial protection, creditworthiness, financial transparency.

https://doi.org/10.5281/zenodo.22818975

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Citation:

Iskandarova Munisa Hasan qizi. (2026). ELEKTRON SAVDODA MUDDATLI TO’LOV MUNOSABATLARINI MOLIYAVIY TARTIBGA SOLISH: XORIJIY TADQIQOTLAR ASOSIDA QIYOSIY TAHLIL. «Moliyaviy texnologiyalar» ilmiy elektron jurnali, 5(4), 53. https://doi.org/10.5281/zenodo.22818975