TIJORAT BANKLARIDA MOLIYAVIY BOSHQARUVNING IQTISODIY MOHIYATI VA NAZARIY ASOSLARI
Keywords:
tijorat banki, moliyaviy boshqaruv, aktivlar, passivlar, kapital, likvidlik, risk, moliyaviy qaror, bank barqarorligiAbstract
Ushbu maqolada tijorat banklarida moliyaviy boshqaruvning iqtisodiy mazmuni, uning bank faoliyatidagi o‘ziga xos xususiyatlari va moliyaviy qarorlarning ahamiyati tahlil qilindi. Tadqiqotda xorijiy, rus va o‘zbek olimlarining ilmiy ishlari, shuningdek, Bazel qo‘mitasi standartlari, Angliya banki, O‘zbekiston Respublikasi Markaziy banki ma’lumotlaridan foydalanildi. Tahlil natijalari shuni ko‘rsatdiki, tijorat banklarida moliyaviy boshqaruvni korxona moliyasining oddiy ko‘rinishi sifatida emas, balki likvidlik yaratish, risklarni qabul qilish, kapitalni yetarli saqlash, aktiv va passivlar muddatini muvofiqlashtirish hamda mijozlar ishonchini ta’minlashga qaratilgan integral boshqaruv tizimi sifatida baholash maqsadga muvofiq. Bank moliyaviy boshqaruvining iqtisodiy mohiyati daromadlilik, likvidlik, xavfsizlik va barqarorlik o‘rtasidagi mutanosiblikni ta’minlashdan iborat. Shuningdek, aktivlar, passivlar, kapital va likvidlikni boshqarish bankning strategik va joriy qarorlarini birlashtiruvchi asosiy funksional blok ekani asoslantirildi. Maqolada O‘zbekiston bank amaliyoti uchun moliyaviy boshqaruvning konseptual modeli taklif qilinib, uni kuchaytirish bo‘yicha ilmiy xulosalar va amaliy takliflar berildi.
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