“YASHIL” LOYIHALARNI MOLIYALASHTIRISHDA MOLIYAVIY-EKOLOGIK SKORING MODELINI JORIY ETISH MEXANIZMINI TAKOMILLASHTIRISH

Mexmonaliyev Abbosjon G‘ayratjon o‘g‘li

Toshkent davlat iqtisodiyot universiteti

tayanch doktoranti

G-mail: mexmonaliyev4464@gmail.com

ORCID:0009-0002-7441-1243

Annotatsiya. Maqolada “yashil” loyihalarni kreditlashda qarz oluvchining moliyaviy holati, loyihaning qarzga xizmat ko‘rsatish qobiliyati, prognoz pul oqimlari, ekologik samarasi va ESG xavflarini yagona integral ko‘rsatkich asosida baholashga qaratilgan moliyaviy-ekologik skoring modeli asoslangan. Modelning metodologik asoslari, tarkibiy bloklari, vaznlarni belgilash tartibi va kredit qarorlarini qabul qilish qoidalari ishlab chiqilgan. Modelni “Aloqabank” AJ amaliyotiga joriy etish natijasida moliyaviy va ekologik mezonlarni birgalikda baholash imkoniyati yaratilgan, kredit arizalarini saralash sifati oshgan, yuqori riskli loyihalarni moliyalashtirish ehtimoli 18 foizdan 12 foizga (6 foiz bandiga, nisbiy ko‘rinishda taxminan 33 foizga) kamaygan. Tadqiqot natijalari tijorat banklarida “yashil” kredit portfelini boshqarish sifatini oshirish uchun foydalanilishi mumkin.

Kalit so‘zlar: yashil moliya, yashil kreditlash, moliyaviy-ekologik skoring, ESG, integral ko‘rsatkich, kredit riski, tijorat banki.

IMPROVING THE MECHANISM FOR IMPLEMENTING A FINANCIAL-ENVIRONMENTAL SCORING MODEL IN GREEN PROJECT FINANCING

Mexmonaliyev Abbosjon Gayratjon ugli

Doctoral Researcher (PhD Candidate) at

Tashkent State University of Economics

E-mail: mexmonaliyev4464@gmail.com

ORCID: 0009-0002-7441-1243

Аннотация. В статье обоснована модель финансово-экологического скоринга для оценки «зелёных» проектов, объединяющая в единый интегральный показатель финансовое состояние заёмщика, способность проекта обслуживать долг, прогнозные денежные потоки, экологический эффект и ESG-риски. Описаны структура модели, порядок определения весов и правила принятия кредитных решений. Внедрение модели в практику АО «Алокабанк» позволило совместно оценивать финансовые и экологические критерии, повысить качество отбора кредитных заявок и снизить вероятность финансирования высокорисковых проектов с 18 до 12 процентов.

Ключевые слова: зелёное финансирование, зелёное кредитование, финансово-экологический скоринг, ESG, интегральный показатель, кредитный риск, коммерческий банк.

СОВЕРШЕНСТВОВАНИЕ МЕХАНИЗМА ВНЕДРЕНИЯ ФИНАНСОВО-ЭКОЛОГИЧЕСКОЙ СКОРИНГОВОЙ МОДЕЛИ ПРИ ФИНАНСИРОВАНИИ «ЗЕЛЁНЫХ» ПРОЕКТОВ

Мехмоналиев Аббосжон Гайратжон угли

Базовый докторант

 Ташкентского государственного

экономического университета

E–mail: mexmonaliyev4464@gmail.com

ORCID: 0009-0002-7441-1243

Abstract. The article substantiates a financial-environmental scoring model for appraising green projects, which combines the borrower’s financial condition, the project’s debt service capacity, projected cash flows, environmental impact and ESG risks into a single integral indicator. The model’s structure, weighting procedure and credit decision rules are described. Its implementation at JSC “Aloqabank” enabled joint assessment of financial and environmental criteria, improved the quality of loan application screening and reduced the probability of financing high-risk projects from 18% to 12%.

Keywords: green finance, green lending, financial-environmental scoring, ESG, integral indicator, credit risk, commercial bank.

Mexmonaliyev Abbosjon G’ayratjon o’g’li. (2026). «YASHIL» LOYIHALARNI MOLIYALASHTIRISHDA MOLIYAVIY-EKOLOGIK SKORING MODELINI JORIY ETISH MEXANIZMINI TAKOMILLASHTIRISH. «Moliyaviy texnologiyalar» ilmiy elektron jurnali, 5(6), 88–94. https://doi.org/10.5281/zenodo.24115125

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