KREDITLASH VA UNING SAMARADORLIGINI OSHIRISH YULLARI
Ключевые слова:
Kreditlash muammolari, foiz stavkalari, kreditlashning mavjudligi, moliyaviy savodxonlik, kreditlash texnologiyalari, davlatning roli, bank faoliyatini tartibga solish, moliyaviy qo'llab-quvvatlash, kichik va o'rta biznes, kreditlash samaradorligi.Аннотация
Maqolada kreditlashning dolzarb muammolari muhokama qilinadi va moliyaviy tizim samaradorligini oshirish uchun ularni hal qilish yo'llari taklif etiladi. Maqolada kreditlashning asosiy muammolari, masalan, yuqori foiz stavkalari, aholining ayrim guruhlari uchun kredit olish imkoniyati cheklanganligi, kredit shartlarining shaffof emasligi va qarz yuki bilan bog'liq muammolar ko'rib chiqiladi.
Ushbu muammolarni hal qilish uchun turli xil chora-tadbirlar taklif etiladi, jumladan foiz stavkalarini pasaytirish, moliyaviy savodxonlikni rivojlantirish, zamonaviy texnologiyalardan foydalanish va kichik va o'rta biznes uchun kredit olish imkoniyatini yaxshilash. Shuningdek, bank faoliyatini tartibga solish, innovatsiyalarni qo'llab-quvvatlash va iqtisodiyotning asosiy tarmoqlarini moliyaviy qo'llab-quvvatlash orqali kreditlash samaradorligini oshirishda davlatning roli muhokama qilinadi.
Xulosa qilib aytganda, maqola yanada samarali va barqaror moliyaviy tizimni yaratish uchun davlat, banklar va jamiyatning birgalikdagi sa'y-harakatlari zarurligi to'g'risida xulosaga keladi.
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