BANK FAOLIYATINING UNIVERSALLASHUVI ZAMONAVIY TENDENTSIYALAR
Keywords:
Universal banklar, bank xizmatlari, moliyaviy bozorlar, raqamli transformatsiya, diversifikatsiya, fintex, raqobatbardoshlik, bank tizimi, zamonaviy tendensiyalar, integratsiya.Abstract
Ushbu maqolada bank faoliyatining universallashuvi jarayoni, uning mazmuni va zamonaviy iqtisodiyotdagi ahamiyati tahlil qilinadi. Bozordagi raqobatning kuchayishi, mijozlar ehtiyojlarining kengayishi hamda raqamli texnologiyalarning jadal rivojlanishi bank xizmatlarini diversifikatsiya qilishni talab etmoqda. Shuning uchun universal banklar kreditlash, to‘lov xizmatlari, investitsion operatsiyalar, sug‘urta mahsulotlari va moliyaviy konsaltingni yagona platforma orqali taklif etmoqda. Maqolada ushbu tendensiyaning afzalliklari, kamchiliklari, global amaliyotdagi yondashuvlar hamda O‘zbekiston bank tizimida universallashuvning hozirgi holati va istiqbollari yoritiladi.
Downloads
References
Allen, F., & Santomero, A. M. (1998). The Theory of Financial Intermediation. Journal of Banking & Finance, 21(11-12), 1461–1485.
Saunders, A., & Cornett, M. M. (2019). Financial Institutions Management: A Risk Management Approach. McGraw-Hill Education.
Mishkin, F. S., & Eakins, S. G. (2018). Financial Markets and Institutions. Pearson.
Basel Committee on Banking Supervision. (2011). Basel III: A global regulatory framework for more resilient banks and banking systems. Bank for International Settlements.
IMF. (2020). Global Financial Stability Report. International Monetary Fund.
Berger, A. N., & Udell, G. F. (2002). Small business credit availability and relationship lending: The importance of bank organizational structure. The Economic Journal, 112(477), F32–F53.
Caprio, G., Laeven, L., & Levine, R. (2007). Governance and Bank Valuation. Journal of Financial Intermediation, 16(2), 584–617.
Allen, F., & Gale, D. (2004). Competition and Financial Stability. Journal of Money, Credit and Banking, 36(3), 453–480.
ECB. (2021). Financial Stability Review. European Central Bank.
IMF & World Bank. (2019). Global Financial Development Report. Washington, D.C.
Diamond, D. W., & Dybvig, P. H. (1983). Bank Runs, Deposit Insurance, and Liquidity. Journal of Political Economy, 91(3), 401–419.
Claessens, S., & Laeven, L. (2004). What Drives Bank Competition? Some International Evidence. Journal of Money, Credit and Banking, 36(3), 563–583.
World Bank. (2020). Digital Financial Services Report. Washington, D.C.
IMF. (2018). Financial Sector Assessment: Emerging Market Economies.
Cornett, M. M., McNutt, J. J., Strahan, P. E., & Tehranian, H. (2011). Liquidity risk management and credit supply in the financial crisis. Journal of Financial Economics, 101(2), 297–312.
Allen, L., & Santomero, A. (2001). The Theory of Financial Intermediation Revisited. Journal of Financial Services Research, 20(3), 189–214.
O‘zbekiston Respublikasi Markaziy Banki. (2023). O‘zbekiston bank tizimi rivojlanishining yillik hisobotlari. Tashkent.
Qodirov, S. (2020). O‘zbekistonda bank xizmatlarining raqamlashtirilishi va modernizatsiyasi. Tashkent: Iqtisodiyot va moliya nashriyoti.
World Economic Forum. (2021). The Future of Financial Services: How disruptive innovations are reshaping the way financial services are structured, provisioned and consumed.
