{"id":1632,"date":"2026-06-25T22:35:11","date_gmt":"2026-06-25T17:35:11","guid":{"rendered":"https:\/\/fintech.tsue.uz\/?p=1632"},"modified":"2026-06-25T22:35:12","modified_gmt":"2026-06-25T17:35:12","slug":"ozbekistonda-tijorat-banklarini-transformatsiya-qilishning-dolzarb-masalalari","status":"publish","type":"post","link":"https:\/\/fintech.tsue.uz\/?p=1632","title":{"rendered":"O\u2018ZBEKISTONDA TIJORAT BANKLARINI TRANSFORMATSIYA QILISHNING DOLZARB MASALALARI"},"content":{"rendered":"\n<p><strong>Xoldorova Kamola Jamoliddin qizi<\/strong><\/p>\n\n\n\n<p><em>bank ishi <\/em><em>yo\u2018nalishi magistrature talabasi<\/em><em> <\/em><em><\/em><\/p>\n\n\n\n<p><em>Toshkent davlat iqtisodiyot universiteti<\/em><\/p>\n\n\n\n<p><em>E-mail: <\/em><a href=\"mailto:kamolaxoldorova7@gmail.com\"><em>kamolaxoldorova7@gmail.com<\/em><\/a><em><\/em><\/p>\n\n\n\n<p><strong>Murodova Dilnoza Choriyevna<\/strong><\/p>\n\n\n\n<p><em>bank ishi kafedrasining dosenti DSc<\/em><\/p>\n\n\n\n<p><em>Toshkent davlat iqtisodiyot universiteti<\/em><\/p>\n\n\n\n<p><em>E-mail: <\/em><em>dilnoz88.murodova<\/em><em>@mail.<\/em><em>ru<\/em><em> <\/em><em><\/em><\/p>\n\n\n\n<p><em>ORCID: 0000-0002-3613-9392<\/em><em><\/em><\/p>\n\n\n\n<p><strong><em>Annotatsiya<\/em><\/strong><strong><em>.<\/em><\/strong><strong><em> <\/em><\/strong><em>Maqolada O\u2018zbekiston tijorat banklarini transformatsiya qilishning dolzarb masalalari o\u2018rganilgan. 2020-2025 yillardagi bank tizimini isloh qilish strategiyasi va 2022-2026 yillardagi Yangi O\u2018zbekiston taraqqiyot strategiyasi talablari tahlil qilingan. Raqamli texnologiyalarni joriy etish, davlat banklarini xususiylashtirish, muammoli kreditlar (NPL) va kapital yetarlilik masalalari ko\u2018rib chiqilgan. Tadqiqot yakunida bank tizimini takomillashtirishga qaratilgan ilmiy va amaliy takliflar taqdim etilgan.<\/em><\/p>\n\n\n\n<p><strong><em>Kalit so\u2018zlar: <\/em><\/strong><em>tijorat banki, transformatsiya, xususiylashtirish, muammoli kreditlar (NPL), kapital yetarliligi, bank islohotlari, davlat ulushi, bank tizimi barqarorligi.<\/em><\/p>\n\n\n\n<p><strong>\u0410\u041a\u0422\u0423\u0410\u041b\u042c\u041d\u042b\u0415 \u0412\u041e\u041f\u0420\u041e\u0421\u042b \u0422\u0420\u0410\u041d\u0421\u0424\u041e\u0420\u041c\u0410\u0426\u0418\u0418 \u041a\u041e\u041c\u041c\u0415\u0420\u0427\u0415\u0421\u041a\u0418\u0425 \u0411\u0410\u041d\u041a\u041e\u0412 \u0423\u0417\u0411\u0415\u041a\u0418\u0421\u0422\u0410\u041d\u0410<\/strong><\/p>\n\n\n\n<p><strong>\u0425\u043e\u043b\u0434\u043e\u0440\u043e\u0432\u0430 \u041a\u0430\u043c\u043e\u043b\u0430 \u0414\u0436\u0430\u043c\u043e\u043b\u0438\u0434\u0434\u0438\u043d\u043e\u0432\u043d\u0430<\/strong><\/p>\n\n\n\n<p><em>\u043c<\/em><em>\u0430\u0433\u0438\u0441\u0442\u0440\u0430\u043d\u0442<\/em><\/p>\n\n\n\n<p><em>&nbsp;\u043d\u0430\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u0435 <\/em><em>\u0431<\/em><em>\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u043e\u0435 \u0434\u0435\u043b\u043e<\/em><\/p>\n\n\n\n<p><em>\u0422\u0430\u0448\u043a\u0435\u043d\u0442\u0441\u043a\u0438\u0439 \u0433\u043e\u0441\u0443\u0434\u0430\u0440\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0439<\/em><\/p>\n\n\n\n<p><em>&nbsp;\u044d\u043a\u043e\u043d\u043e\u043c\u0438\u0447\u0435\u0441\u043a\u0438\u0439 \u0443\u043d\u0438\u0432\u0435\u0440\u0441\u0438\u0442\u0435\u0442<\/em><\/p>\n\n\n\n<p><em>E<\/em><em>&#8211;<\/em><em>mail<\/em><em>: <\/em><a href=\"mailto:kamolaxoldorova7@gmail.com\"><em>kamolaxoldorova<\/em><em>7@<\/em><em>gmail<\/em><em>.<\/em><em>com<\/em><\/a><em><\/em><\/p>\n\n\n\n<p><strong>\u041c\u0443\u0440\u043e\u0434\u043e\u0432\u0430 \u0414\u0438\u043b\u043d\u043e\u0437\u0430 \u0427\u043e\u0440\u0438\u0435\u0432\u043d\u0430<\/strong><\/p>\n\n\n\n<p><em>DSc<\/em><em> \u0434\u043e\u0446\u0435\u043d\u0442 \u043a\u0430\u0444\u0435\u0434\u0440\u044b \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u043e\u0433\u043e \u0434\u0435\u043b\u0430<\/em><\/p>\n\n\n\n<p><em>\u0422\u0430\u0448\u043a\u0435\u043d\u0442\u0441\u043a\u0438\u0439 \u0433\u043e\u0441\u0443\u0434\u0430\u0440\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0439<\/em><\/p>\n\n\n\n<p><em>&nbsp;\u044d\u043a\u043e\u043d\u043e\u043c\u0438\u0447\u0435\u0441\u043a\u0438\u0439 \u0443\u043d\u0438\u0432\u0435\u0440\u0441\u0438\u0442\u0435\u0442<\/em><\/p>\n\n\n\n<p><em>E-mail: <\/em><em>dilnoz88.murodova<\/em><em>@mail.<\/em><em>ru<\/em><em><\/em><\/p>\n\n\n\n<p><em>O<\/em><em>RCID:<\/em><em> <\/em><em>0000-0002-3613-9392<\/em><\/p>\n\n\n\n<p><strong><em>\u0410\u043d\u043d\u043e\u0442\u0430\u0446\u0438\u044f. <\/em><\/strong><em>\u0412 \u0441\u0442\u0430\u0442\u044c\u0435 \u0440\u0430\u0441\u0441\u043c\u043e\u0442\u0440\u0435\u043d\u044b \u0430\u043a\u0442\u0443\u0430\u043b\u044c\u043d\u044b\u0435 \u0432\u043e\u043f\u0440\u043e\u0441\u044b \u0442\u0440\u0430\u043d\u0441\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u0438 \u043a\u043e\u043c\u043c\u0435\u0440\u0447\u0435\u0441\u043a\u0438\u0445 \u0431\u0430\u043d\u043a\u043e\u0432 \u0423\u0437\u0431\u0435\u043a\u0438\u0441\u0442\u0430\u043d\u0430. \u041f\u0440\u043e\u0430\u043d\u0430\u043b\u0438\u0437\u0438\u0440\u043e\u0432\u0430\u043d\u044b \u0441\u0442\u0440\u0430\u0442\u0435\u0433\u0438\u044f \u0440\u0435\u0444\u043e\u0440\u043c\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u043e\u0433\u043e \u0441\u0435\u043a\u0442\u043e\u0440\u0430 \u043d\u0430 2020-2025 \u0433\u043e\u0434\u044b \u0438 \u0442\u0440\u0435\u0431\u043e\u0432\u0430\u043d\u0438\u044f \u0421\u0442\u0440\u0430\u0442\u0435\u0433\u0438\u0438 \u0440\u0430\u0437\u0432\u0438\u0442\u0438\u044f \u041d\u043e\u0432\u043e\u0433\u043e \u0423\u0437\u0431\u0435\u043a\u0438\u0441\u0442\u0430\u043d\u0430 \u043d\u0430 2022-2026 \u0433\u043e\u0434\u044b. \u0420\u0430\u0441\u0441\u043c\u043e\u0442\u0440\u0435\u043d\u044b \u0432\u043e\u043f\u0440\u043e\u0441\u044b \u0432\u043d\u0435\u0434\u0440\u0435\u043d\u0438\u044f \u0446\u0438\u0444\u0440\u043e\u0432\u044b\u0445 \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0439, \u043f\u0440\u0438\u0432\u0430\u0442\u0438\u0437\u0430\u0446\u0438\u0438 \u0433\u043e\u0441\u0443\u0434\u0430\u0440\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0445 \u0431\u0430\u043d\u043a\u043e\u0432, \u043f\u0440\u043e\u0431\u043b\u0435\u043c\u043d\u044b\u0445 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432 (NPL) \u0438 \u0434\u043e\u0441\u0442\u0430\u0442\u043e\u0447\u043d\u043e\u0441\u0442\u0438 \u043a\u0430\u043f\u0438\u0442\u0430\u043b\u0430. \u041f\u043e \u0438\u0442\u043e\u0433\u0430\u043c \u0438\u0441\u0441\u043b\u0435\u0434\u043e\u0432\u0430\u043d\u0438\u044f \u043f\u0440\u0435\u0434\u0441\u0442\u0430\u0432\u043b\u0435\u043d\u044b \u043d\u0430\u0443\u0447\u043d\u044b\u0435 \u0438 \u043f\u0440\u0430\u043a\u0442\u0438\u0447\u0435\u0441\u043a\u0438\u0435 \u043f\u0440\u0435\u0434\u043b\u043e\u0436\u0435\u043d\u0438\u044f, \u043d\u0430\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u043d\u044b\u0435 \u043d\u0430 \u0441\u043e\u0432\u0435\u0440\u0448\u0435\u043d\u0441\u0442\u0432\u043e\u0432\u0430\u043d\u0438\u0435 \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u043e\u0439 \u0441\u0438\u0441\u0442\u0435\u043c\u044b.<\/em><\/p>\n\n\n\n<p><strong><em>\u041a\u043b\u044e\u0447\u0435\u0432\u044b\u0435 \u0441\u043b\u043e\u0432\u0430: <\/em><\/strong><em>\u043a\u043e\u043c\u043c\u0435\u0440\u0447\u0435\u0441\u043a\u0438\u0439 \u0431\u0430\u043d\u043a, \u0442\u0440\u0430\u043d\u0441\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u044f, \u043f\u0440\u0438\u0432\u0430\u0442\u0438\u0437\u0430\u0446\u0438\u044f, \u043f\u0440\u043e\u0431\u043b\u0435\u043c\u043d\u044b\u0435 \u043a\u0440\u0435\u0434\u0438\u0442\u044b, \u0434\u043e\u0441\u0442\u0430\u0442\u043e\u0447\u043d\u043e\u0441\u0442\u044c \u043a\u0430\u043f\u0438\u0442\u0430\u043b\u0430, \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0438\u0435 \u0440\u0435\u0444\u043e\u0440\u043c\u044b.<\/em><\/p>\n\n\n\n<p><strong>URGENT ISSUES OF TRANSFORMING COMMERCIAL BANKS IN UZBEKISTAN<\/strong><\/p>\n\n\n\n<p><strong>Xoldorova Kamola Jamoliddinovna<\/strong><\/p>\n\n\n\n<p><em>Master\u2019s student<\/em><\/p>\n\n\n\n<p><em>&nbsp;Banking Tashkent State<\/em><\/p>\n\n\n\n<p><em>University of Economics<\/em><\/p>\n\n\n\n<p><em>E-mail<\/em><em>: <\/em><a href=\"mailto:kamolaxoldorova7@gmail.com\"><em>kamolaxoldorova7@gmail.com<\/em><\/a><em><\/em><\/p>\n\n\n\n<p><strong>Murodova Dilnoza Chori<\/strong><strong>y<\/strong><strong>evna<\/strong><strong><\/strong><\/p>\n\n\n\n<p><em>Associate Professor<\/em><\/p>\n\n\n\n<p><em>of the Department of Banking DSc<\/em><\/p>\n\n\n\n<p><em>Tashkent State the University<\/em><em> <\/em><em>of Economics<\/em><\/p>\n\n\n\n<p><em>E-mail: <\/em><em>dilnoz88.murodova<\/em><em>@mail.<\/em><em>ru<\/em><em> <\/em><em><\/em><\/p>\n\n\n\n<p><em>O<\/em><em>RCID:<\/em><em> <\/em><em>0000-0002-3613-9392<\/em><\/p>\n\n\n\n<p><strong><em>Abstract. <\/em><\/strong><em>The article examines topical issues of transforming commercial banks in Uzbekistan. The banking sector reform strategy for 2020-2025 and the requirements of the New Uzbekistan Development Strategy for 2022-2026 have been analyzed. Issues related to the introduction of digital technologies, privatization of state-owned banks, non-performing loans (NPL), and capital adequacy have been addressed. The study concludes with scientific and practical recommendations aimed at improving the banking system<strong>.<\/strong><\/em><\/p>\n\n\n\n<p><strong><em>Keywords: <\/em><\/strong><em>commercial bank, transformation, privatization, non-performing loans, capital adequacy, banking reforms, financial stability.<\/em><\/p>\n\n\n\n<div data-wp-interactive=\"core\/file\" class=\"wp-block-file\"><object data-wp-bind--hidden=\"!state.hasPdfPreview\" hidden class=\"wp-block-file__embed\" data=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2026\/06\/14.-Xoldorova-Kamola-Jamoliddin-qizi-Murodova-Dilnoza-Choriyevna-O\u2018zbekistonda-tijorat-banklarini-transformatsiya-qilishning-dolzarb-masalalari.pdf\" type=\"application\/pdf\" style=\"width:100%;height:600px\" aria-label=\"Embed of 14. Xoldorova Kamola Jamoliddin qizi, Murodova Dilnoza Choriyevna - O\u2018zbekistonda tijorat banklarini transformatsiya qilishning dolzarb masalalari.\"><\/object><a id=\"wp-block-file--media-3805e188-f458-464d-9fc0-e089198a192f\" href=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2026\/06\/14.-Xoldorova-Kamola-Jamoliddin-qizi-Murodova-Dilnoza-Choriyevna-O\u2018zbekistonda-tijorat-banklarini-transformatsiya-qilishning-dolzarb-masalalari.pdf\">14. Xoldorova Kamola Jamoliddin qizi, Murodova Dilnoza Choriyevna &#8211; O\u2018zbekistonda tijorat banklarini transformatsiya qilishning dolzarb masalalari<\/a><a href=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2026\/06\/14.-Xoldorova-Kamola-Jamoliddin-qizi-Murodova-Dilnoza-Choriyevna-O\u2018zbekistonda-tijorat-banklarini-transformatsiya-qilishning-dolzarb-masalalari.pdf\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-3805e188-f458-464d-9fc0-e089198a192f\">Download<\/a><\/div>\n\n\n\n<p><strong>Foydalanilgan adabiyotlar<\/strong><\/p>\n\n\n\n<p>1. O\u2018zbekiston Respublikasi Prezidentining 2020-yil 12-maydagi PF-5992-son \u00ab2020-2025-yillarga mo\u2018ljallangan O\u2018zbekiston Respublikasining bank tizimini isloh qilish strategiyasi to\u2018g\u2018risida\u00bb gi Farmoni. https:\/\/lex.uz\/docs\/-4811025<\/p>\n\n\n\n<p>2. O\u2018zbekiston Respublikasi Prezidentining 2022-yil 28-yanvardagi PF-60-son \u00ab2022-2026-yillarga mo\u2018ljallangan Yangi O\u2018zbekistonning taraqqiyot strategiyasi to\u2018g\u2018risida\u00bbgi Farmoni. https:\/\/lex.uz\/docs\/5841063<\/p>\n\n\n\n<p>3. Abdullayev Yo., Qoraliyev T., Toshmurodov Sh., Abdullayeva S. Bank ishi: darslik. \u2013 Toshkent: Moliya-iqtisod, 2009. \u2013 463 b.<\/p>\n\n\n\n<p>4. IMF. Uzbekistan \u2014 Financial Sector Assessment Program (FSAP). Country Report No. 25\/145. \u2013 Washington D.C., 2025. <a href=\"https:\/\/www.imf.org\/en\/Publications\/CR\/Issues\/2025\/04\/30\/%20Uzbekistan-Financial-%20System-Stability-\">https:\/\/www.imf.org\/en\/Publications\/CR\/Issues\/2025\/04\/30\/ Uzbekistan-Financial- System-Stability-<\/a> Assessment-560254<\/p>\n\n\n\n<p>5. O\u2018zbekiston Respublikasi Markaziy banki ma\u2019lumotlari. www.cbu.uz<\/p>\n\n\n\n<p>6. World Bank. Uzbekistan Financial Sector Assessment Program (FSAP) Report. \u2014 Washington D.C., 2025. <a href=\"https:\/\/documents1.worldbank.org\/curated\/en\/099072925165040123\/pdf\">https:\/\/documents1.worldbank.org\/curated\/en\/099072925165040123\/pdf<\/a> \/BOSIB-098cfdae-26d9-446a-9607-c30f373e1f1b.pdf<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Xoldorova Kamola Jamoliddin qizi bank ishi yo\u2018nalishi magistrature talabasi Toshkent davlat iqtisodiyot universiteti E-mail: kamolaxoldorova7@gmail.com Murodova Dilnoza Choriyevna bank ishi kafedrasining dosenti DSc Toshkent davlat iqtisodiyot universiteti E-mail: dilnoz88.murodova@mail.ru ORCID: 0000-0002-3613-9392 Annotatsiya. Maqolada&#46;&#46;&#46;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1632","post","type-post","status-publish","format-standard","hentry","category-bolimsiz"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>O\u2018ZBEKISTONDA TIJORAT BANKLARINI TRANSFORMATSIYA QILISHNING DOLZARB MASALALARI - \u201cMoliyaviy texnologiyalar\u201d ilmiy elektron jurnali<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fintech.tsue.uz\/?p=1632\" \/>\n<meta property=\"og:locale\" content=\"uz_UZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"O\u2018ZBEKISTONDA TIJORAT BANKLARINI TRANSFORMATSIYA QILISHNING DOLZARB MASALALARI - \u201cMoliyaviy texnologiyalar\u201d ilmiy elektron jurnali\" \/>\n<meta property=\"og:description\" content=\"Xoldorova Kamola Jamoliddin qizi bank ishi yo\u2018nalishi magistrature talabasi Toshkent davlat iqtisodiyot universiteti E-mail: kamolaxoldorova7@gmail.com Murodova Dilnoza Choriyevna bank ishi kafedrasining dosenti DSc Toshkent davlat iqtisodiyot universiteti E-mail: dilnoz88.murodova@mail.ru ORCID: 0000-0002-3613-9392 Annotatsiya. 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