“Moliyaviy texnologiyalar” ilmiy elektron jurnali

Toshkent davlat iqtisodiyot universiteti

TIJORAT BANKLARIDA FAKTORING XIZMATLARI SHARTLARINI MIJOZ EHTIYOJLARIGA MOSLASHTIRISH: EKSPORT FAKTORINGIDA DISKONTNI HISOBLASH VA MIJOZLARNI SEGMENTLASH

by · Avgust 30, 2026

Omonov Elyorbek Umarboy o‘g‘li

Toshkent davlat iqtisodiyot universiteti

mustaqil izlanuvchisi

ORCID: 0000-0002-5032-886X

Annotatsiya. Maqolada tijorat banklarida faktoring xizmatlari shartlarini mijozlarning haqiqiy ehtiyojlariga moslashtirishning ikki yo‘nalishi ko‘rib chiqilgan. Birinchidan, eksport faktoringi bo‘yicha 180 kungacha bo‘lgan muddat uchun belgilangan qat’iy diskont stavkasi o‘rniga diskontni har bir operatsiya bo‘yicha haqiqatda foydalanilgan davr uchun hisoblash tartibi asoslangan. Ikkinchidan, mijozlarni debitorlik qarzdorligi hajmi, kechiktirilgan to‘lovli sotuv ulushi va aylanma mablag‘larga ehtiyoji asosida segmentlash mexanizmi taklif etilgan.

Kalit so‘zlar: eksport faktoringi, diskont stavkasi, haqiqiy moliyalashtirish davri, mijozlarni segmentlash, faktoringga ehtiyoj indeksi, kichik va o‘rta biznes.

АДАПТАЦИЯ УСЛОВИЙ ФАКТОРИНГОВЫХ УСЛУГ В КОММЕРЧЕСКИХ БАНКАХ К ПОТРЕБНОСТЯМ КЛИЕНТОВ: РАСЧЁТ ДИСКОНТА В ЭКСПОРТНОМ ФАКТОРИНГЕ И СЕГМЕНТАЦИЯ КЛИЕНТОВ

Омонов Элёрбек Умарбой угли

Независимый исследователь

Ташкентского государственного экономического университета
ORCID: 0000-0002-5032-886X

Аннотация. В статье рассмотрены два направления адаптации условий факторинговых услуг коммерческих банков к реальным потребностям клиентов. Обоснован порядок расчёта дисконта по экспортному факторингу за фактический период использования финансирования вместо фиксированной ставки на срок до 180 дней, а также предложен механизм сегментации клиентов на основе объёма дебиторской задолженности, доли продаж с отсрочкой платежа и потребности в оборотных средствах.

 Ключевые слова: экспортный факторинг, дисконт, фактический период финансирования, сегментация клиентов, индекс потребности в факторинге, малый и средний бизнес.

ADAPTING FACTORING SERVICE TERMS IN COMMERCIAL BANKS TO CUSTOMER NEEDS: DISCOUNT CALCULATION IN EXPORT FACTORING AND CUSTOMER SEGMENTATION

Omonov Elyorbek Umarboy ugli

Independent Researcher,

Tashkent State University of Economics
ORCID: 0000-0002-5032-886X

Abstract. The article examines two directions for adapting the terms of factoring services in commercial banks to clients’ actual needs. It substantiates calculating the export factoring discount for the period of financing actually used instead of a fixed rate for a term of up to 180 days, and proposes a client segmentation mechanism based on the volume of receivables, the share of sales on deferred payment terms and working capital needs.

Keywords: export factoring, discount rate, actual financing period, client segmentation, factoring need index, small and medium-sized businesses.

Omonov Elyorbek Umarboy o‘g‘liDownload

Omonov Elyorbek Umarboy o’g’li. (2026). TIJORAT BANKLARIDA FAKTORING XIZMATLARI SHARTLARINI MIJOZ EHTIYOJLARIGA MOSLASHTIRISH: EKSPORT FAKTORINGIDA DISKONTNI HISOBLASH VA MIJOZLARNI SEGMENTLASH. «Moliyaviy texnologiyalar» ilmiy elektron jurnali, 5(4), 556–562. https://doi.org/10.5281/zenodo.24091796

Foydalanilgan adabiyotlar ro‘yxati

  1. O‘zbekiston Respublikasi Prezidentining 2024-yil 12-avgustdagi “Faktoring xizmatlari bozorini jadal rivojlantirish chora-tadbirlari to‘g‘risida”gi PF–109-son Farmoni. – https://lex.uz/docs/-7061653
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