{"id":2027,"date":"2026-08-11T22:14:30","date_gmt":"2026-08-11T17:14:30","guid":{"rendered":"https:\/\/fintech.tsue.uz\/?p=2027"},"modified":"2026-08-11T22:14:30","modified_gmt":"2026-08-11T17:14:30","slug":"mamlkat-aholisining-bank-kreditlari-boyicha-qarz-yuki-tahlili-va-uni-optimallashtirish-yollari","status":"publish","type":"post","link":"https:\/\/fintech.tsue.uz\/?p=2027","title":{"rendered":"MAMLKAT AHOLISINING BANK KREDITLARI BO\u2018YICHA QARZ YUKI TAHLILI VA UNI OPTIMALLASHTIRISH YO\u2018LLARI"},"content":{"rendered":"\n<p><strong>Tojimurodov Shohzod<\/strong><strong><\/strong><\/p>\n\n\n\n<p><em>mustaqil izlanuvchi <\/em><em><\/em><\/p>\n\n\n\n<p><em>Toshkent davlat iqtisodiyot universiteti<\/em><em><\/em><\/p>\n\n\n\n<p><em>E-mail<\/em><em> <\/em><a href=\"mailto:shahzod_77@bk.ru\"><em>shahzod_77@bk.ru<\/em><\/a><strong> <\/strong><strong><\/strong><\/p>\n\n\n\n<p><strong><em>Annotatsiya.<\/em><\/strong><em> Maqolada mamlakat aholisining banklardan turli maqsadlarda olingan kredit majburiyatlari bo\u2018yicha qarz yuki xalqaro amaliyotda qo\u2018llaniladigan yondashuvlar asosida, makro va mikro tadqiqot yondashuvlarini qo\u2018llagan holda tahlil qilindi. Bunda, kredit yuki makro yondashuv va O\u2018zbekiston Respublikasi Markaziy banki statistik tahlillari, tijorat banklari kredit portfelidagi aholiga ajratilgan barcha kreditlar bo\u2018yicha kredit to\u2018loviga oid ma\u2019lumotlaridan foydalanildi. Shuningdek, aholining qarz yuki me\u2019yoriy holatiga rioya qilish muammoli kreditlarning oldini olish to\u2018g\u2018risida xulosalar shakllantirilgan.<\/em><\/p>\n\n\n\n<p><strong><em>Kalit<\/em><\/strong><strong><em> so\u2018zlar:<\/em><\/strong><em> kredit, tijorat banki, qarz yuki, aholi daromadi, moliya, majburiyat, muammoli kreditlar, to\u2018lovlar.<\/em><\/p>\n\n\n\n<p><strong>\u0410\u041d\u0410\u041b\u0418\u0417 \u0414\u041e\u041b\u0413\u041e\u0412\u041e\u0419 \u041d\u0410\u0413\u0420\u0423\u0417\u041a\u0418 \u041d\u0410\u0421\u0415\u041b\u0415\u041d\u0418\u042f \u0421\u0422\u0420\u0410\u041d\u042b \u041f\u041e \u0411\u0410\u041d\u041a\u041e\u0412\u0421\u041a\u0418\u041c \u041a\u0420\u0415\u0414\u0418\u0422\u0410\u041c \u0418 \u041f\u0423\u0422\u0418 \u0415\u0415 \u041e\u041f\u0422\u0418\u041c\u0418\u0417\u0410\u0426\u0418\u0418<\/strong><\/p>\n\n\n\n<p><strong>\u0422\u043e\u0434\u0436\u0438\u043c\u0443\u0440\u043e\u0434\u043e\u0432 \u0428\u043e\u0445\u0437\u043e\u0434<\/strong><\/p>\n\n\n\n<p><em>\u043d\u0435\u0437\u0430\u0432\u0438\u0441\u0438\u043c\u044b\u0439 \u0438\u0441\u0441\u043b\u0435\u0434\u043e\u0432\u0430\u0442\u0435\u043b\u044c<\/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:shahzod_77@bk.ru\"><em>shahzod<\/em><em>_77@<\/em><em>bk<\/em><em>.<\/em><em>ru<\/em><\/a><em> <\/em><em><\/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 \u043f\u0440\u043e\u0430\u043d\u0430\u043b\u0438\u0437\u0438\u0440\u043e\u0432\u0430\u043d\u0430 \u0434\u043e\u043b\u0433\u043e\u0432\u0430\u044f \u043d\u0430\u0433\u0440\u0443\u0437\u043a\u0430 \u043d\u0430\u0441\u0435\u043b\u0435\u043d\u0438\u044f \u0441\u0442\u0440\u0430\u043d\u044b \u043f\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u043c \u043e\u0431\u044f\u0437\u0430\u0442\u0435\u043b\u044c\u0441\u0442\u0432\u0430\u043c, \u043f\u043e\u043b\u0443\u0447\u0435\u043d\u043d\u044b\u043c \u0432 \u0431\u0430\u043d\u043a\u0430\u0445 \u0434\u043b\u044f \u0440\u0430\u0437\u043b\u0438\u0447\u043d\u044b\u0445 \u0446\u0435\u043b\u0435\u0439, \u043d\u0430 \u043e\u0441\u043d\u043e\u0432\u0435 \u043f\u043e\u0434\u0445\u043e\u0434\u043e\u0432, \u043f\u0440\u0438\u043c\u0435\u043d\u044f\u0435\u043c\u044b\u0445 \u0432 \u043c\u0435\u0436\u0434\u0443\u043d\u0430\u0440\u043e\u0434\u043d\u043e\u0439 \u043f\u0440\u0430\u043a\u0442\u0438\u043a\u0435, \u0441 \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u043d\u0438\u0435\u043c \u043c\u0430\u043a\u0440\u043e- \u0438 \u043c\u0438\u043a\u0440\u043e\u0438\u0441\u0441\u043b\u0435\u0434\u043e\u0432\u0430\u0442\u0435\u043b\u044c\u0441\u043a\u0438\u0445 \u043f\u043e\u0434\u0445\u043e\u0434\u043e\u0432. \u041f\u0440\u0438 \u044d\u0442\u043e\u043c \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u043b\u0438\u0441\u044c \u043c\u0430\u043a\u0440\u043e\u043f\u043e\u0434\u0445\u043e\u0434 \u043a \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0439 \u043d\u0430\u0433\u0440\u0443\u0437\u043a\u0435 \u0438 \u0441\u0442\u0430\u0442\u0438\u0441\u0442\u0438\u0447\u0435\u0441\u043a\u0438\u0439 \u0430\u043d\u0430\u043b\u0438\u0437 \u0426\u0435\u043d\u0442\u0440\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u0431\u0430\u043d\u043a\u0430 \u0420\u0435\u0441\u043f\u0443\u0431\u043b\u0438\u043a\u0438 \u0423\u0437\u0431\u0435\u043a\u0438\u0441\u0442\u0430\u043d, \u0434\u0430\u043d\u043d\u044b\u0435 \u043a\u043e\u043c\u043c\u0435\u0440\u0447\u0435\u0441\u043a\u0438\u0445 \u0431\u0430\u043d\u043a\u043e\u0432 \u043e \u043f\u043e\u0433\u0430\u0448\u0435\u043d\u0438\u0438 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432 \u043f\u043e \u0432\u0441\u0435\u043c \u043a\u0440\u0435\u0434\u0438\u0442\u0430\u043c, \u0432\u044b\u0434\u0435\u043b\u0435\u043d\u043d\u044b\u043c \u043d\u0430\u0441\u0435\u043b\u0435\u043d\u0438\u044e \u0432 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u043c \u043f\u043e\u0440\u0442\u0444\u0435\u043b\u0435. \u0422\u0430\u043a\u0436\u0435 \u0441\u0444\u043e\u0440\u043c\u0443\u043b\u0438\u0440\u043e\u0432\u0430\u043d\u044b \u0432\u044b\u0432\u043e\u0434\u044b \u043e \u0441\u043e\u0431\u043b\u044e\u0434\u0435\u043d\u0438\u0438 \u043d\u043e\u0440\u043c\u0430\u0442\u0438\u0432\u043d\u043e\u0433\u043e \u0441\u043e\u0441\u0442\u043e\u044f\u043d\u0438\u044f\u0434\u043e\u043b\u0433\u043e\u0432\u043e\u0439 \u043d\u0430\u0433\u0440\u0443\u0437\u043a\u0438 \u043d\u0430\u0441\u0435\u043b\u0435\u043d\u0438\u044f \u0438 \u043f\u0440\u0435\u0434\u043e\u0442\u0432\u0440\u0430\u0449\u0435\u043d\u0438\u0438 \u043f\u0440\u043e\u0431\u043b\u0435\u043c\u043d\u044b\u0445 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432.<\/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\u0440\u0435\u0434\u0438\u0442, \u043a\u043e\u043c\u043c\u0435\u0440\u0447\u0435\u0441\u043a\u0438\u0439 \u0431\u0430\u043d\u043a, \u0434\u043e\u043b\u0433\u043e\u0432\u043e\u0435 \u0431\u0440\u0435\u043c\u044f, \u0434\u043e\u0445\u043e\u0434\u044b \u043d\u0430\u0441\u0435\u043b\u0435\u043d\u0438\u044f, \u0444\u0438\u043d\u0430\u043d\u0441\u044b, \u043e\u0431\u044f\u0437\u0430\u0442\u0435\u043b\u044c\u0441\u0442\u0432\u0430, \u043f\u0440\u043e\u0431\u043b\u0435\u043c\u043d\u044b\u0435 \u043a\u0440\u0435\u0434\u0438\u0442\u044b, \u043f\u043b\u0430\u0442\u0435\u0436\u0438.<\/em><\/p>\n\n\n\n<p><strong>ANALYSIS OF THE COUNTRY&#8217;S DEBT BURDEN ON BANK LOANS AND WAYS TO OPTIMIZE IT<\/strong><\/p>\n\n\n\n<p><strong>Tojimurodov Shohzod<\/strong><\/p>\n\n\n\n<p><em>independent researcher<\/em><em> <\/em><em><\/em><\/p>\n\n\n\n<p><em>Tashkent State the University<\/em><\/p>\n\n\n\n<p><em>of Economics<\/em><\/p>\n\n\n\n<p><em>E-mail<\/em><em> <\/em><a href=\"mailto:shahzod_77@bk.ru\"><em>shahzod_77@bk.ru<\/em><\/a><strong> <\/strong><strong><\/strong><\/p>\n\n\n\n<p><strong><em>Abstract. <\/em><\/strong><em>The article analyzes the debt burden of the country&#8217;s population on loan obligations received from banks for various purposes based on approaches used in international practice, using macro- and micro-research approaches. At the same time, the macro approach to the credit burden and the statistical analysis of the Central Bank of the Republic of Uzbekistan were used, as well as data on loan repayments for all loans issued to the population in the loan portfolios of commercial banks. Conclusions were also formulated regarding compliance with the regulatory state of the population&#8217;s debt burden and the prevention of non-performing loans.<\/em><\/p>\n\n\n\n<p><strong><em>Keywords: <\/em><\/strong><em>credit, commercial bank, debt burden, household income, finance, liabilities, non-performing loans, payments.<\/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\/08\/19.-Tojimurodov-Shohzod.pdf\" type=\"application\/pdf\" style=\"width:100%;height:600px\" aria-label=\"Embed of 19. Tojimurodov Shohzod.\"><\/object><a id=\"wp-block-file--media-78705431-24ab-498e-af0a-db46d11d371d\" href=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2026\/08\/19.-Tojimurodov-Shohzod.pdf\">19. Tojimurodov Shohzod<\/a><a href=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2026\/08\/19.-Tojimurodov-Shohzod.pdf\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-78705431-24ab-498e-af0a-db46d11d371d\">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 \u041f\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442\u0438\u043d\u0438\u043d\u0433 2018 \u0439\u0438\u043b 23 \u043c\u0430\u0440\u0442\u0434\u0430\u0433\u0438 \u201c\u0411\u0430\u043d\u043a \u0445\u0438\u0437\u043c\u0430\u0442\u043b\u0430\u0440\u0438 \u043e\u043c\u043c\u0430\u0431\u043e\u043f\u043b\u0438\u0433\u0438\u043d\u0438 \u043e\u0448\u0438\u0440\u0438\u0448 \u0431\u045e\u0439\u0438\u0447\u0430 \u049b\u045e\u0448\u0438\u043c\u0447\u0430 \u0447\u043e\u0440\u0430-\u0442\u0430\u0434\u0431\u0438\u0440\u043b\u0430\u0440 \u0442\u045e\u0493\u0440\u0438\u0441\u0438\u0434\u0430\u201d\u0433\u0438 \u041f\u049a-3620-\u0441\u043e\u043d\u043b\u0438 \u049a\u0430\u0440\u043e\u0440\u0438.<\/p>\n\n\n\n<p>2. \u040e\u0437\u0431\u0435\u043a\u0438\u0441\u0442\u043e\u043d \u0420\u0435\u0441\u043f\u0443\u0431\u043b\u0438\u043a\u0430\u0441\u0438 \u041c\u0430\u0440\u043a\u0430\u0437\u0438\u0439 \u0431\u0430\u043d\u043a\u0438\u043d\u0438\u043d\u0433 \u0441\u0442\u0430\u0442\u0438\u0441\u0442\u0438\u043a \u0442\u0430\u04b3\u043b\u0438\u043b\u043b\u0430\u0440\u0438 <a href=\"http:\/\/www.cbu.uz\">http:\/\/www.cbu.uz<\/a><\/p>\n\n\n\n<p>3. \u041c.\u0412\u043b\u0430\u0441\u0435\u043d\u043d\u043a\u043e (2015 \u0433.). \u00ab\u041e\u0431 \u043e\u0441\u043d\u043e\u0432\u043d\u044b\u0445 \u043f\u043e\u043a\u0430\u0437\u0430\u0442\u0435\u043b\u044f\u0445 \u0434\u043e\u043b\u0433\u043e\u0432\u043e\u0439 \u043d\u0430\u0433\u0440\u0443\u0437\u043a\u0438 \u043d\u0430 \u044d\u043a\u043e\u043d\u043e\u043c\u0438\u043a\u0443\u00bb. \u0411\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0438\u0439 \u0432\u0435\u0441\u0442\u043d\u0438\u043a, 2015.<\/p>\n\n\n\n<p>4. Mannering, F., Winston, C., Starkey, W., An exploratory analysis of automobile leasing by US households. J. Urban Econ. 52 (1), 2002. \u2013 P. 154\u2013176. https:\/\/www.sciencedirect.com\/search\/advanced?qs=debt%20burden%20on%20the%20population%27s%20 bank%20loans.<\/p>\n\n\n\n<p>5. Dasgupta, S., Siddarth, S., Silva-Risso, J., Lease or Buy?: A Structural Model of the Vehicle Acquisition Decision, University of Southern California, Working Paper. 2003. https:\/\/www.sciencedirect.com\/search\/advanced<\/p>\n\n\n\n<p>6.<a href=\"http:\/\/www.imf.org\/external\/datamapper\/HH_LS@GDD\/CAN\/GBR\/USA\/DEU\/ITA\/FRA\/JPN\">www.imf.org\/external\/datamapper\/HH_LS@GDD\/CAN\/GBR\/USA\/DEU\/ITA\/FRA\/JPN<\/a> .<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Tojimurodov Shohzod mustaqil izlanuvchi Toshkent davlat iqtisodiyot universiteti E-mail shahzod_77@bk.ru Annotatsiya. Maqolada mamlakat aholisining banklardan turli maqsadlarda olingan kredit majburiyatlari bo\u2018yicha qarz&#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":[36],"tags":[],"class_list":["post-2027","post","type-post","status-publish","format-standard","hentry","category-2026-yil-4-son"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>MAMLKAT AHOLISINING BANK KREDITLARI BO\u2018YICHA QARZ YUKI TAHLILI VA UNI OPTIMALLASHTIRISH YO\u2018LLARI - \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=2027\" \/>\n<meta property=\"og:locale\" content=\"uz_UZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"MAMLKAT AHOLISINING BANK KREDITLARI BO\u2018YICHA QARZ YUKI TAHLILI VA UNI OPTIMALLASHTIRISH YO\u2018LLARI - \u201cMoliyaviy texnologiyalar\u201d ilmiy elektron jurnali\" \/>\n<meta property=\"og:description\" content=\"Tojimurodov Shohzod mustaqil izlanuvchi Toshkent davlat iqtisodiyot universiteti E-mail shahzod_77@bk.ru Annotatsiya. 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