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Annotatsiya
Maqolada O‘zbekiston Respublikasida xizmat ko‘rsatish sohasi korxonalarining moliyaviy-kredit mexanizmlariga raqamli transformatsiyaning ta’siri o‘rganilgan. Xizmat ko‘rsatish korxonalari odatda garovga qo‘yish uchun yetarli moddiy aktivlarga ega emas, shu sababli an’anaviy garovga asoslangan kreditlash ular uchun kam samaralidir. O‘zbekiston Respublikasi Markaziy banki va Jahon bankining Global Findex ma’lumotlari asosida masofaviy bank xizmatlari foydalanuvchilari soni 2022-yil boshidagi qariyb 20 milliondan 2025-yil dekabriga kelib 79,3 millionga yetgani, kattalar orasida hisob raqamiga ega bo‘lganlar ulushi esa 34 foizdan 56 foizga oshgani ko‘rsatilgan. Shu bilan birga, yuridik shaxslar va yakka tartibdagi tadbirkorlar foydalanuvchilarning atigi 2 foizga yaqinini tashkil etadi. Tadqiqotda elektron hisob-fakturalar, onlayn nazorat-kassa texnikasi va ekvayring ma’lumotlariga asoslangan xizmat ko‘rsatish korxonalarini raqamli kreditlash konturi modeli hamda moliyaviy-kredit mexanizmlarini takomillashtirish yo‘nalishlari taklif etilgan.
Adabiyotlar ro‘yxati
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