{"id":1720,"date":"2026-06-25T22:59:31","date_gmt":"2026-06-25T17:59:31","guid":{"rendered":"https:\/\/fintech.tsue.uz\/?p=1720"},"modified":"2026-06-25T22:59:31","modified_gmt":"2026-06-25T17:59:31","slug":"tijorat-banklarida-kredit-xizmatlari-amaliyotinining-dolzarb-masalalari","status":"publish","type":"post","link":"https:\/\/fintech.tsue.uz\/?p=1720","title":{"rendered":"TIJORAT BANKLARIDA KREDIT XIZMATLARI AMALIYOTININING DOLZARB MASALALARI"},"content":{"rendered":"\n<p><strong>Jo\u02bbrayeva Zarifa Bahodir qizi<\/strong><strong><\/strong><\/p>\n\n\n\n<p><em>moliya kafedrasi<\/em><\/p>\n\n\n\n<p><em>tayanch doktoranti<\/em><em><\/em><\/p>\n\n\n\n<p><em>Termiz davlat universiteti<\/em><\/p>\n\n\n\n<p><em>E-mail: j.zarifa.1993@gmail.com<\/em><\/p>\n\n\n\n<p><em>ORCID: <\/em><em>0009 -0009 -1939-2394<\/em><em><\/em><\/p>\n\n\n\n<p><strong><em>Annotatsiya<\/em><\/strong><strong><em>.<\/em><\/strong><em> <\/em><em>Mazkur maqolada zamonaviy makroiqtisodiy beqarorlik va moliyaviy tizimning transformatsiyalashuvi sharoitida O\u02bbzbekiston Respublikasi tijorat banklarida kredit xizmatlari amaliyotini rivojlantirish, aktivlar tarkibini optimallashtirish hamda sohadagi tarkibiy-institutsional muammolarni bartaraf etish masalalari tadqiq etilgan. Tadqiqot davomida bank resurs bazasi, pul-kredit siyosati instrumentlarining kreditlarning nominal va real foiz stavkalariga o\u02bbzgarishiga ta\u02bcsiri hamda kredit portfelining tarmoqlar va maqsadlar kesimida tendensiyalarni nazariy-metodologik jihatdan chuqur tahlil qilingan. <\/em><em><\/em><\/p>\n\n\n\n<p><em>Maqolada bank tizimidagi likvidlilik devalvatsiyasi, tizimli risklar va kredit portfelining sohaviy konsentratsiyalashuv xavf-xatarlari kritik baholangan. Olib borilgan kuzatishlar natijasida tijorat banklari kredit siyosatini diversifikatsiya qilish, pul bozori institutsional tizimini rivojlantirish va kredit xizmatlari amaliyoti samaradorligini oshirishga qaratilgan konseptual ilmiy taklif va amaliy tavsiyalar paketi ishlab chiqilgan.<\/em><\/p>\n\n\n\n<p><strong><em>Kalit so\u02bbzlar:<\/em><\/strong><em> tijorat banklari, kredit xizmatlari amaliyoti, aktivlar tarkibi, kredit portfeli, tarkibiy siljishlar, konsentratsiya xavfi, maqsadli kreditlash, makroiqtisodiy transformatsiya.<\/em><\/p>\n\n\n\n<p><strong>\u0410\u041a\u0422\u0423\u0410\u041b\u041d<\/strong><strong>\u042b<\/strong><strong>\u0415 \u041f\u0420\u041e\u0411\u041b\u0415\u041c<\/strong><strong>\u042b<\/strong><strong> \u041e\u0420\u0413\u0410\u041d\u0418\u0417\u0410\u0426\u0418\u0418 \u0418 \u041f\u0420\u0410\u041a\u0422\u0418\u041a\u0418 \u041a\u0420\u0415\u0414\u0418\u0422\u041d\u041e\u0413\u041e \u041e\u0411\u0421\u041b\u0423\u0416\u0418\u0412\u0410\u041d\u0418\u042f \u0412 \u041a\u041e\u041c\u041c\u0415\u0420\u0427\u0415\u0421\u041a\u0418\u0425 \u0411\u0410\u041d\u041a\u0410\u0425<\/strong><\/p>\n\n\n\n<p><strong>\u0416\u0443\u0440\u0430\u0435\u0432\u0430 \u0417\u0430\u0440\u0438\u0444\u0430 \u0411\u0430\u0445\u043e\u0434\u0438\u0440 \u043a\u0438\u0437\u0438<\/strong><\/p>\n\n\n\n<p><em>\u0431\u0430\u0437\u043e\u0432\u044b\u0439 \u0434\u043e\u043a\u0442\u043e\u0440\u0430\u043d\u0442<\/em><\/p>\n\n\n\n<p><em>\u043a\u0430\u0444\u0435\u0434\u0440\u044b \u0444\u0438\u043d\u0430\u043d\u0441\u044b<\/em><\/p>\n\n\n\n<p><em>\u0422\u0435\u0440\u043c\u0435\u0437\u0441\u043a\u0438\u0439 \u0433\u043e\u0441\u0443\u0434\u0430\u0440\u0441\u0442\u0432\u0435\u043d\u043d\u044b\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><em>j<\/em><em>.<\/em><em>zarifa<\/em><em>.1993@<\/em><em>gmail<\/em><em>.<\/em><em>com<\/em><em><\/em><\/p>\n\n\n\n<p><em>ORCID: <\/em><em>0009 -0009 -1939-2394<\/em><em><\/em><\/p>\n\n\n\n<p><strong><em>\u0410\u043d\u043d\u043e\u0442\u0430\u0446\u0438\u044f.<\/em><\/strong><em> \u0412 \u0434\u0430\u043d\u043d\u043e\u0439 \u0441\u0442\u0430\u0442\u044c\u0435 \u0438\u0441\u0441\u043b\u0435\u0434\u043e\u0432\u0430\u043d\u044b \u0432\u043e\u043f\u0440\u043e\u0441\u044b \u0440\u0430\u0437\u0432\u0438\u0442\u0438\u044f \u043f\u0440\u0430\u043a\u0442\u0438\u043a\u0438 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0445 \u0443\u0441\u043b\u0443\u0433, \u043e\u043f\u0442\u0438\u043c\u0438\u0437\u0430\u0446\u0438\u0438 \u0441\u0442\u0440\u0443\u043a\u0442\u0443\u0440\u044b \u0430\u043a\u0442\u0438\u0432\u043e\u0432 \u0438 \u0443\u0441\u0442\u0440\u0430\u043d\u0435\u043d\u0438\u044f \u0441\u0442\u0440\u0443\u043a\u0442\u0443\u0440\u043d\u043e-\u0438\u043d\u0441\u0442\u0438\u0442\u0443\u0446\u0438\u043e\u043d\u0430\u043b\u044c\u043d\u044b\u0445 \u043f\u0440\u043e\u0431\u043b\u0435\u043c \u0432 \u043a\u043e\u043c\u043c\u0435\u0440\u0447\u0435\u0441\u043a\u0438\u0445 \u0431\u0430\u043d\u043a\u0430\u0445 \u0420\u0435\u0441\u043f\u0443\u0431\u043b\u0438\u043a\u0438 \u0423\u0437\u0431\u0435\u043a\u0438\u0441\u0442\u0430\u043d \u0432 \u0443\u0441\u043b\u043e\u0432\u0438\u044f\u0445 \u0441\u043e\u0432\u0440\u0435\u043c\u0435\u043d\u043d\u043e\u0439 \u043c\u0430\u043a\u0440\u043e\u044d\u043a\u043e\u043d\u043e\u043c\u0438\u0447\u0435\u0441\u043a\u043e\u0439 \u043d\u0435\u0441\u0442\u0430\u0431\u0438\u043b\u044c\u043d\u043e\u0441\u0442\u0438 \u0438 \u0442\u0440\u0430\u043d\u0441\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u0438 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0439 \u0441\u0438\u0441\u0442\u0435\u043c\u044b. \u0412 \u0445\u043e\u0434\u0435 \u0438\u0441\u0441\u043b\u0435\u0434\u043e\u0432\u0430\u043d\u0438\u044f \u0441 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\u043f\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u0430\u043c, \u0430 \u0442\u0430\u043a\u0436\u0435 \u0442\u0435\u043d\u0434\u0435\u043d\u0446\u0438\u0438 \u0440\u0430\u0437\u0432\u0438\u0442\u0438\u044f \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0433\u043e \u043f\u043e\u0440\u0442\u0444\u0435\u043b\u044f \u0432 \u0440\u0430\u0437\u0440\u0435\u0437\u0435 \u043e\u0442\u0440\u0430\u0441\u043b\u0435\u0439 \u0438 \u0446\u0435\u043b\u0435\u0439 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f. \u0412 \u0441\u0442\u0430\u0442\u044c\u0435 \u043a\u0440\u0438\u0442\u0438\u0447\u0435\u0441\u043a\u0438 \u043e\u0446\u0435\u043d\u0435\u043d\u044b \u043f\u0440\u043e\u0431\u043b\u0435\u043c\u044b \u043b\u0438\u043a\u0432\u0438\u0434\u043d\u043e\u0441\u0442\u0438, \u0441\u0438\u0441\u0442\u0435\u043c\u043d\u044b\u0435 \u0440\u0438\u0441\u043a\u0438 \u0438 \u0443\u0433\u0440\u043e\u0437\u044b \u043e\u0442\u0440\u0430\u0441\u043b\u0435\u0432\u043e\u0439 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\u0441\u043b\u043e\u0432\u0430:<\/em><\/strong><em> \u043a\u043e\u043c\u043c\u0435\u0440\u0447\u0435\u0441\u043a\u0438\u0435 \u0431\u0430\u043d\u043a\u0438, \u043f\u0440\u0430\u043a\u0442\u0438\u043a\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0445 \u0443\u0441\u043b\u0443\u0433, \u0441\u0442\u0440\u0443\u043a\u0442\u0443\u0440\u0430 \u0430\u043a\u0442\u0438\u0432\u043e\u0432, \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0439 \u043f\u043e\u0440\u0442\u0444\u0435\u043b\u044c, \u0441\u0442\u0440\u0443\u043a\u0442\u0443\u0440\u043d\u044b\u0435 \u0441\u0434\u0432\u0438\u0433\u0438, \u0440\u0438\u0441\u043a \u043a\u043e\u043d\u0446\u0435\u043d\u0442\u0440\u0430\u0446\u0438\u0438, \u0446\u0435\u043b\u0435\u0432\u043e\u0435 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432\u0430\u043d\u0438\u0435, \u043c\u0430\u043a\u0440\u043e\u044d\u043a\u043e\u043d\u043e\u043c\u0438\u0447\u0435\u0441\u043a\u0430\u044f \u0442\u0440\u0430\u043d\u0441\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u044f.<\/em><em><\/em><\/p>\n\n\n\n<p><strong>TOPICAL ISSUES OF CREDIT SERVISE PRACTICES IN COMMERCIAL BANKS<\/strong><\/p>\n\n\n\n<p><strong>Jorayeva Zarifa Bahodir qizi<\/strong><strong><\/strong><\/p>\n\n\n\n<p><em>Basic Doctoral Student (PhD Researcher)<\/em><em><\/em><\/p>\n\n\n\n<p><em>Deparment of Finance<\/em><\/p>\n\n\n\n<p><em>Termiz State Universiteti<\/em><em><\/em><\/p>\n\n\n\n<p><em>E-mail: j.zarifa.1993@gmail.com<\/em><\/p>\n\n\n\n<p><em>ORCID: <\/em><em>0009 -0009 -1939-2394<\/em><em><\/em><\/p>\n\n\n\n<p><strong><em>Abstract. <\/em><\/strong><em>This article investigates the issues of developing credit service practices, optimizing asset structures, and eliminating structural-institutional challenges in commercial banks of the Republic of Uzbekistan amidst contemporary macroeconomic volatility and the transformation of the financial system. Within the framework of the study, the bank\u02bbs resource base, the impact of monetary policy instruments on the changes in nominal and real credit interest rates, and the tendencies within the loan portfolio across economic sectors and loan purposes are deeply analyzed from a theoretical and methodological perspective. The paper critically evaluates liquidity issues, systemic risks, and sector-specific credit concentration vulnerabilities within the banking system. Consequent to the empirical and qualitative assessments, a conceptual package of scientific proposals and actionable recommendations aimed at diversifying credit policies, developing the institutional framework of the money market, and optimizing the efficiency of commercial bank credit operations has been developed.<\/em><\/p>\n\n\n\n<p><strong><em>Keywords:<\/em><\/strong><em> commercial banks, credit service practices, asset structure, loan portfolio, structural shifts, concentration risk, targeted lending, macroeconomic transformation.<\/em><strong><em><\/em><\/strong><\/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\/43.-Jo\u02bbrayeva-Zarifa-Bahodir-qizi-Tijorat-banklarida-kredit-xizmatlari-amaliyotinining-dolzarb-masalalari.pdf\" type=\"application\/pdf\" style=\"width:100%;height:600px\" aria-label=\"Embed of 43. Jo\u02bbrayeva Zarifa Bahodir qizi - Tijorat banklarida kredit xizmatlari amaliyotinining dolzarb masalalari.\"><\/object><a id=\"wp-block-file--media-393c8067-51cf-4f39-9cb7-9ef1bdec2e1d\" href=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2026\/06\/43.-Jo\u02bbrayeva-Zarifa-Bahodir-qizi-Tijorat-banklarida-kredit-xizmatlari-amaliyotinining-dolzarb-masalalari.pdf\">43. Jo\u02bbrayeva Zarifa Bahodir qizi &#8211; Tijorat banklarida kredit xizmatlari amaliyotinining dolzarb masalalari<\/a><a href=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2026\/06\/43.-Jo\u02bbrayeva-Zarifa-Bahodir-qizi-Tijorat-banklarida-kredit-xizmatlari-amaliyotinining-dolzarb-masalalari.pdf\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-393c8067-51cf-4f39-9cb7-9ef1bdec2e1d\">Download<\/a><\/div>\n\n\n\n<p><strong>Foydalanilgan adabiyotlar<\/strong><\/p>\n\n\n\n<p>1. \u040e\u0437\u0431\u0435\u043a\u0438\u0441\u0442\u043e\u043d \u0420\u0435\u0441\u043f\u0443\u0431\u043b\u0438\u043a\u0430\u0441\u0438\u043d\u0438\u043d\u0433 \u201c\u0411\u0430\u043d\u043a\u043b\u0430\u0440 \u0432\u0430 \u0431\u0430\u043d\u043a \u0444\u0430\u043e\u043b\u0438\u044f\u0442\u0438 \u0442\u045e\u0493\u0440\u0438\u0441\u0438\u0434\u0430\u201d\u0433\u0438 \u040e\u0420\u049a-580-\u0441\u043e\u043d\u043b\u0438 \u049a\u043e\u043d\u0443\u043d\u0438, 2019 \u0439\u0438\u043b 5 \u043d\u043e\u044f\u0431\u0440\u044c.<\/p>\n\n\n\n<p>2. \u041b\u0430\u0432\u0440\u0443\u0448\u0438\u043d \u041e.\u0418. \u041a\u0440\u0435\u0434\u0438\u0442\u043d\u0430\u044f \u044d\u043a\u0441\u043f\u0430\u043d\u0446\u0438\u044f \u0438 \u0443\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u0435 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u043c. \u0423\u0447\u0435\u0431\u043d\u043e\u0435 \u043f\u043e\u0441\u043e\u0431\u0438\u0435. \u2013 \u041c.:<a href=\"https:\/\/www.labirint.ru\/pubhouse\/1446\/\"> \u041a\u043d\u043e\u0440\u0443\u0441<\/a>,&nbsp;2013. \u2013 264 \u0441.<\/p>\n\n\n\n<p>3. \u041a\u043e\u0441\u0442\u0435\u0440\u0438\u043d\u0430, \u0422.\u041c. \u0411\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u043e\u0435 \u0434\u0435\u043b\u043e. \u2013 \u0423\u0447\u0435\u0431\u043d\u0438\u043a \u0434\u043b\u044f \u0421\u041f\u041e. \u2013 \u041b\u044e\u0431\u0435\u0440\u0441\u044b: \u042e\u0440\u0430\u0439\u0442, 2015. \u2013 332 c.<\/p>\n\n\n\n<p>4. Muhammad Taqiy Usmoniy. Islom moliyasiga kirish. \u2013 T.: \u201cAzon kitoblari\u201d, 2023. \u2013 288 b.<\/p>\n\n\n\n<p>5. R.I. Bekkin. Islomiy moliya asoslari. \u201cO\u02bbZBEKISTON\u201d NMIU, 2019. \u2013 360 b.<\/p>\n\n\n\n<p>6. Mirsoatov.A.K. Raqamli iqtisodiyotni shakllantirish sharoitida innovatsion bank xizmatlarini rivojlantirish.Avtoreferat.2021y. 13-b.<\/p>\n\n\n\n<p>7. O\u02bbzbekiston Respublikasi Markaziy bankining rasmiy statistik ma\u02bclumotlari va byulletenlari (2020\u20132024 yy.) \/\/ www.cbu.uz.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Jo\u02bbrayeva Zarifa Bahodir qizi moliya kafedrasi tayanch doktoranti Termiz davlat universiteti E-mail: j.zarifa.1993@gmail.com ORCID: 0009 -0009 -1939-2394 Annotatsiya. Mazkur maqolada zamonaviy makroiqtisodiy beqarorlik va moliyaviy tizimning transformatsiyalashuvi sharoitida O\u02bbzbekiston Respublikasi tijorat banklarida kredit&#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":[35],"tags":[],"class_list":["post-1720","post","type-post","status-publish","format-standard","hentry","category-2026-yil-3-son"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>TIJORAT BANKLARIDA KREDIT XIZMATLARI AMALIYOTININING 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=1720\" \/>\n<meta property=\"og:locale\" content=\"uz_UZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"TIJORAT BANKLARIDA KREDIT XIZMATLARI AMALIYOTININING DOLZARB MASALALARI - \u201cMoliyaviy texnologiyalar\u201d ilmiy elektron jurnali\" \/>\n<meta property=\"og:description\" content=\"Jo\u02bbrayeva Zarifa Bahodir qizi moliya kafedrasi tayanch doktoranti Termiz davlat universiteti E-mail: j.zarifa.1993@gmail.com ORCID: 0009 -0009 -1939-2394 Annotatsiya. 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