{"id":2161,"date":"2026-04-30T20:40:26","date_gmt":"2026-04-30T15:40:26","guid":{"rendered":"https:\/\/fintech.tsue.uz\/?p=2161"},"modified":"2026-09-01T20:41:32","modified_gmt":"2026-09-01T15:41:32","slug":"tijorat-banklarida-moliyaviy-xizmatlar-samaradorligini-kompleks-baholash-va-oshirish-metodologiyasi","status":"publish","type":"post","link":"https:\/\/fintech.tsue.uz\/?p=2161","title":{"rendered":"TIJORAT BANKLARIDA MOLIYAVIY XIZMATLAR SAMARADORLIGINI KOMPLEKS BAHOLASH VA OSHIRISH METODOLOGIYASI"},"content":{"rendered":"\n<p><strong>Ergashev Azizxon Avazxon o\u2018g\u2018li<\/strong><\/p>\n\n\n\n<p><em>Toshkent davlat iqtisodiyot universiteti (TDIU)<\/em><\/p>\n\n\n\n<p><em>mustaqil izlanuvchisi<\/em><\/p>\n\n\n\n<p><strong><em>Annotatsiya.<\/em><\/strong><em> Ushbu maqolada tijorat banklarida moliyaviy xizmatlar samaradorligini kompleks baholash va oshirish metodologiyasi tadqiq etilgan. Moliyaviy xizmatlar samaradorligini aniqlashda bank faoliyatining moliyaviy, operatsion, texnologik va mijozlar bilan bog\u2018liq ko\u2018rsatkichlarini tizimli ravishda baholashga alohida e\u2019tibor qaratilgan. Tadqiqotda moliyaviy xizmatlar hajmi, daromadliligi, rentabelligi, operatsion xarajatlar, xizmat ko\u2018rsatish tezligi, mijozlar qoniqishi, raqamli xizmatlardan foydalanish darajasi hamda xizmatlar portfelining diversifikatsiyasi asosiy baholash mezonlari sifatida belgilangan. Shuningdek, mazkur ko\u2018rsatkichlarni umumlashtirish asosida tijorat banklarining moliyaviy xizmatlar samaradorligini kompleks baholash imkonini beruvchi metodologik yondashuv taklif etilgan.<\/em><\/p>\n\n\n\n<p><strong><em>Kalit so\u2018zlar:<\/em><\/strong><em> tijorat banklari, moliyaviy xizmatlar, samaradorlik, kompleks baholash, metodologiya, baholash ko\u2018rsatkichlari, bank daromadliligi, xizmatlar sifati, raqamli xizmatlar, mijozlar qoniqishi.<\/em><\/p>\n\n\n\n<p><strong>\u041c\u0415\u0422\u041e\u0414\u041e\u041b\u041e\u0413\u0418\u042f \u041a\u041e\u041c\u041f\u041b\u0415\u041a\u0421\u041d\u041e\u0419 \u041e\u0426\u0415\u041d\u041a\u0418 \u0418 \u041f\u041e\u0412\u042b\u0428\u0415\u041d\u0418\u042f \u042d\u0424\u0424\u0415\u041a\u0422\u0418\u0412\u041d\u041e\u0421\u0422\u0418 \u0424\u0418\u041d\u0410\u041d\u0421\u041e\u0412\u042b\u0425 \u0423\u0421\u041b\u0423\u0413 \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>\u042d\u0440\u0433\u0430\u0448\u0435\u0432 \u0410\u0437\u0438\u0437\u0445\u043e\u043d \u0410\u0432\u0430\u0437\u0445\u043e\u043d \u045e\u0493\u043b\u0438<\/strong><\/p>\n\n\n\n<p><em>\u041d\u0435\u0437\u0430\u0432\u0438\u0441\u0438\u043c\u044b\u0439 \u0438\u0441\u0441\u043b\u0435\u0434\u043e\u0432\u0430\u0442\u0435\u043b\u044c <\/em><em><\/em><\/p>\n\n\n\n<p><em>\u0422\u0430\u0448\u043a\u0435\u043d\u0442\u0441\u043a\u043e\u0433\u043e \u0433\u043e\u0441\u0443\u0434\u0430\u0440\u0441\u0442\u0432\u0435\u043d\u043d\u043e\u0433\u043e <\/em><em><\/em><\/p>\n\n\n\n<p><em>\u044d\u043a\u043e\u043d\u043e\u043c\u0438\u0447\u0435\u0441\u043a\u043e\u0433\u043e \u0443\u043d\u0438\u0432\u0435\u0440\u0441\u0438\u0442\u0435\u0442\u0430 (\u0422\u0413\u042d\u0423)<\/em><\/p>\n\n\n\n<p><strong><em>\u0410\u043d\u043d\u043e\u0442a<\/em><\/strong><strong><em>\u0446\u0438<\/em><\/strong><strong><em>\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\u0430 \u043c\u0435\u0442\u043e\u0434\u043e\u043b\u043e\u0433\u0438\u044f \u043a\u043e\u043c\u043f\u043b\u0435\u043a\u0441\u043d\u043e\u0439 \u043e\u0446\u0435\u043d\u043a\u0438 \u0438 \u043f\u043e\u0432\u044b\u0448\u0435\u043d\u0438\u044f \u044d\u0444\u0444\u0435\u043a\u0442\u0438\u0432\u043d\u043e\u0441\u0442\u0438 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0445 \u0443\u0441\u043b\u0443\u0433 \u0432 \u043a\u043e\u043c\u043c\u0435\u0440\u0447\u0435\u0441\u043a\u0438\u0445 \u0431\u0430\u043d\u043a\u0430\u0445. \u041f\u0440\u0438 \u043e\u043f\u0440\u0435\u0434\u0435\u043b\u0435\u043d\u0438\u0438 \u044d\u0444\u0444\u0435\u043a\u0442\u0438\u0432\u043d\u043e\u0441\u0442\u0438 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0445 \u0443\u0441\u043b\u0443\u0433 \u043e\u0441\u043e\u0431\u043e\u0435 \u0432\u043d\u0438\u043c\u0430\u043d\u0438\u0435 \u0443\u0434\u0435\u043b\u0435\u043d\u043e \u0441\u0438\u0441\u0442\u0435\u043c\u043d\u043e\u0439 \u043e\u0446\u0435\u043d\u043a\u0435 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0445, \u043e\u043f\u0435\u0440a<\/em><em>\u0446\u0438<\/em><em>\u043e\u043d\u043d\u044b\u0445, \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0447\u0435\u0441\u043a\u0438\u0445 \u043f\u043e\u043a\u0430\u0437\u0430\u0442\u0435\u043b\u0435\u0439 \u0434\u0435\u044f\u0442\u0435\u043b\u044c\u043d\u043e\u0441\u0442\u0438 \u0431\u0430\u043d\u043a\u043e\u0432, \u0430 \u0442\u0430\u043a\u0436\u0435 \u043f\u043e\u043a\u0430\u0437\u0430\u0442\u0435\u043b\u0435\u0439, \u0441\u0432\u044f\u0437\u0430\u043d\u043d\u044b\u0445 \u0441 \u043a\u043b\u0438\u0435\u043d\u0442\u0430\u043c\u0438. \u0412 \u0438\u0441\u0441\u043b\u0435\u0434\u043e\u0432\u0430\u043d\u0438\u0438 \u0432 \u043a\u0430\u0447\u0435\u0441\u0442\u0432\u0435 \u043e\u0441\u043d\u043e\u0432\u043d\u044b\u0445 \u043a\u0440\u0438\u0442\u0435\u0440\u0438\u0435\u0432 \u043e\u0446\u0435\u043d\u043a\u0438 \u043e\u043f\u0440\u0435\u0434\u0435\u043b\u0435\u043d\u044b \u043e\u0431\u044a\u0435\u043c \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0445 \u0443\u0441\u043b\u0443\u0433, \u0434\u043e\u0445\u043e\u0434\u043d\u043e\u0441\u0442\u044c, \u0440\u0435\u043d\u0442\u0430\u0431\u0435\u043b\u044c\u043d\u043e\u0441\u0442\u044c, \u043e\u043f\u0435\u0440a<\/em><em>\u0446\u0438<\/em><em>\u043e\u043d\u043d\u044b\u0435 \u0440\u0430\u0441\u0445\u043e\u0434\u044b, \u0441\u043a\u043e\u0440\u043e\u0441\u0442\u044c \u043e\u0431\u0441\u043b\u0443\u0436\u0438\u0432\u0430\u043d\u0438\u044f, \u0443\u0434\u043e\u0432\u043b\u0435\u0442\u0432\u043e\u0440\u0435\u043d\u043d\u043e\u0441\u0442\u044c \u043a\u043b\u0438\u0435\u043d\u0442\u043e\u0432, \u0443\u0440\u043e\u0432\u0435\u043d\u044c \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u043d\u0438\u044f \u0446\u0438\u0444\u0440\u043e\u0432\u044b\u0445 \u0443\u0441\u043b\u0443\u0433 \u0438 \u0434\u0438\u0432\u0435\u0440\u0441\u0438\u0444\u0438\u043a<\/em><em>\u0430\u0446\u0438<\/em><em>\u044f \u043f\u043e\u0440\u0442\u0444\u0435\u043b\u044f \u0443\u0441\u043b\u0443\u0433. \u0422\u0430\u043a\u0436\u0435 \u043d\u0430 \u043e\u0441\u043d\u043e\u0432\u0435 \u043e\u0431\u043e\u0431\u0449\u0435\u043d\u0438\u044f \u0443\u043a\u0430\u0437\u0430\u043d\u043d\u044b\u0445 \u043f\u043e\u043a\u0430\u0437\u0430\u0442\u0435\u043b\u0435\u0439 \u043f\u0440\u0435\u0434\u043b\u043e\u0436\u0435\u043d \u043c\u0435\u0442\u043e\u0434\u043e\u043b\u043e\u0433\u0438\u0447\u0435\u0441\u043a\u0438\u0439 \u043f\u043e\u0434\u0445\u043e\u0434, \u043f\u043e\u0437\u0432\u043e\u043b\u044f\u044e\u0449\u0438\u0439 \u043e\u0441\u0443\u0449\u0435\u0441\u0442\u0432\u043b\u044f\u0442\u044c \u043a\u043e\u043c\u043f\u043b\u0435\u043a\u0441\u043d\u0443\u044e \u043e\u0446\u0435\u043d\u043a\u0443 \u044d\u0444\u0444\u0435\u043a\u0442\u0438\u0432\u043d\u043e\u0441\u0442\u0438 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0445 \u0443\u0441\u043b\u0443\u0433 \u043a\u043e\u043c\u043c\u0435\u0440\u0447\u0435\u0441\u043a\u0438\u0445 \u0431\u0430\u043d\u043a\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\u043e\u043c\u043c\u0435\u0440\u0447\u0435\u0441\u043a\u0438\u0435 \u0431\u0430\u043d\u043a\u0438, \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0435 \u0443\u0441\u043b\u0443\u0433\u0438, \u044d\u0444\u0444\u0435\u043a\u0442\u0438\u0432\u043d\u043e\u0441\u0442\u044c, \u043a\u043e\u043c\u043f\u043b\u0435\u043a\u0441\u043d\u0430\u044f \u043e\u0446\u0435\u043d\u043a\u0430, \u043c\u0435\u0442\u043e\u0434\u043e\u043b\u043e\u0433\u0438\u044f, \u043f\u043e\u043a\u0430\u0437\u0430\u0442\u0435\u043b\u0438 \u043e\u0446\u0435\u043d\u043a\u0438, \u0434\u043e\u0445\u043e\u0434\u043d\u043e\u0441\u0442\u044c \u0431\u0430\u043d\u043a\u043e\u0432, \u043a\u0430\u0447\u0435\u0441\u0442\u0432\u043e \u0443\u0441\u043b\u0443\u0433, \u0446\u0438\u0444\u0440\u043e\u0432\u044b\u0435 \u0443\u0441\u043b\u0443\u0433\u0438, \u0443\u0434\u043e\u0432\u043b\u0435\u0442\u0432\u043e\u0440\u0435\u043d\u043d\u043e\u0441\u0442\u044c \u043a\u043b\u0438\u0435\u043d\u0442\u043e\u0432.<\/em><\/p>\n\n\n\n<p><strong>METHODOLOGY FOR COMPREHENSIVE ASSESSMENT AND IMPROVEMENT OF THE EFFICIENCY OF FINANCIAL SERVICES IN COMMERCIAL BANKS<\/strong><\/p>\n\n\n\n<p><strong>Ergashev Azizxon Avazkhon ugli<\/strong><\/p>\n\n\n\n<p><em>Independent Researcher at <\/em><em><\/em><\/p>\n\n\n\n<p><em>Tashkent State <\/em><em><\/em><\/p>\n\n\n\n<p><em>University of Economics (TSUE)<\/em><\/p>\n\n\n\n<p><strong><em>Abstract.<\/em><\/strong><em> This article examines a methodology for the comprehensive assessment and improvement of the efficiency of financial services in commercial banks. Particular attention is paid to the systematic assessment of financial, operational, technological, and customer-related indicators of banking activities when determining the efficiency of financial services. The study identifies the volume of financial services, profitability, return, operating expenses, service delivery speed, customer satisfaction, the level of digital service usage, and diversification of the service portfolio as the main assessment criteria. In addition, based on the aggregation of these indicators, a methodological approach is proposed that enables a comprehensive assessment of the efficiency of financial services provided by commercial banks.<\/em><\/p>\n\n\n\n<p><strong><em>Keywords:<\/em><\/strong><em> commercial banks, financial services, efficiency, comprehensive assessment, methodology, assessment indicators, bank profitability, service quality, digital services, customer satisfaction.<\/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\/09\/Ergashev-Azizxon-Avazxon-o\u2018g\u2018li.pdf\" type=\"application\/pdf\" style=\"width:100%;height:600px\" aria-label=\"Embed of Ergashev Azizxon Avazxon o\u2018g\u2018li.\"><\/object><a id=\"wp-block-file--media-aa6e8b86-15ae-4a93-9bdd-e797f02065c6\" href=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2026\/09\/Ergashev-Azizxon-Avazxon-o\u2018g\u2018li.pdf\">Ergashev Azizxon Avazxon o\u2018g\u2018li<\/a><a href=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2026\/09\/Ergashev-Azizxon-Avazxon-o\u2018g\u2018li.pdf\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-aa6e8b86-15ae-4a93-9bdd-e797f02065c6\">Download<\/a><\/div>\n\n\n\n<p><strong>Foydalanilgan adabiyotlar ro\u2018yxati<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Abdullaev A.Ya. Tijorat banklarining likvidlilik darajasini baholash mexanizmini takomillashtirish. \u201cIqtisodiyot va innovatsion texnologiyalar\u201d ilmiy elektron jurnali. \u2116 1, yanvar-fevral, 2019 yil.<\/li>\n\n\n\n<li>Abdullaeva Sh.Z. Bank risklari sharoitida tijorat banklarining kredit portfelini diversifikatsiyalash. Iqtisod fanlari doktori ilmiy darajasini olish uchun yozilgan diss. avtoreferati. \u2013Toshkent, 2000.-46 b;<\/li>\n\n\n\n<li>Azimova H.E. Tijorat banklarida moliyaviy barqarorlikning ahamiyati. \/\/ International Journal of Economy and Innovation. Volume: 24 | 2022. \u2013 Pp. 543-548.<\/li>\n\n\n\n<li>Afanaseva O.N. Sostoyanie r\u044bnka proektnogo finansirovaniya i faktor\u044b, sderjivayu\u0449ie yego razvitiya\/\/Dengi i kredit. \u2013 Moskva, 2014. &#8211; \u21162. \u2013 S. 37.<\/li>\n\n\n\n<li>Ahmedov M.U. Tijorat banklari moliyaviy barqarorligini ta\u2019minlash va investitsion faolligini oshirish masalalari. \/\/ Iqtisod va moliya ilmiy jurnali. \u211610. 2011. \u2013 B. 47-52.<\/li>\n\n\n\n<li>Berdiyarov B.T. O\u2018zbekiston Respublikasi tijorat banklarining likvidliligi va to\u2018lov qobiliyatini ta\u2019minlash masalalari. Dis. &#8230; i.f.d. \u2013 T. 2019.<\/li>\n\n\n\n<li>Bobakulov T.I. O\u2018zbekiston Respublikasida milliy valyuta kursining barqarorligini ta\u2019minlash borasidagi muammolar va ularni hal qilish yo\u2018llari. Iqtisod fanlari doktori ilmiy darajasini olish uchun yozilgan diss. avtoreferati. -Toshkent, 2008.-45 b.<\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"<p>Ergashev Azizxon Avazxon o\u2018g\u2018li Toshkent davlat iqtisodiyot universiteti (TDIU) mustaqil izlanuvchisi Annotatsiya. Ushbu maqolada tijorat banklarida moliyaviy xizmatlar samaradorligini kompleks baholash va&#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-2161","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>TIJORAT BANKLARIDA MOLIYAVIY XIZMATLAR SAMARADORLIGINI KOMPLEKS BAHOLASH VA OSHIRISH METODOLOGIYASI - \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=2161\" \/>\n<meta property=\"og:locale\" content=\"uz_UZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"TIJORAT BANKLARIDA MOLIYAVIY XIZMATLAR SAMARADORLIGINI KOMPLEKS BAHOLASH VA OSHIRISH METODOLOGIYASI - \u201cMoliyaviy texnologiyalar\u201d ilmiy elektron jurnali\" \/>\n<meta property=\"og:description\" content=\"Ergashev Azizxon Avazxon o\u2018g\u2018li Toshkent davlat iqtisodiyot universiteti (TDIU) mustaqil izlanuvchisi Annotatsiya. 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