BANKLARDA DEPOZIT BAZASI SAMARADORLIGINI OSHIRISH BO‘YICHA XORIJIY DAVLATLAR TAJRIBASI
Keywords:
tijorat banklari, depozit bazasi, depozit siyosati, bank resurslari, muddatli depozitlar, jamg‘arma depozitlari, depozitlarni sug‘urtalash, foiz siyosati, raqamli bank xizmatlari, xorijiy tajriba, moliyaviy barqarorlik, mijozlar ishonchi.Abstract
Mazkur maqolada banklarda depozit bazasi samaradorligini oshirish bo‘yicha xorijiy davlatlar tajribasi o‘rganilgan. Xususan, AQSh, Germaniya, Buyuk Britaniya, Yaponiya, Janubiy Koreya va boshqa rivojlangan mamlakatlarda tijorat banklarining depozit siyosatini shakllantirish, aholi va xo‘jalik yurituvchi subyektlarning bo‘sh pul mablag‘larini bank tizimiga jalb etish mexanizmlari tahlil qilingan. Depozitlarni sug‘urtalash tizimi, foiz siyosatini takomillashtirish, raqamli depozit mahsulotlarini joriy etish, mijozlarni segmentlash hamda uzoq muddatli jamg‘armalarni rag‘batlantirishning depozit bazasi barqarorligiga ta’siri yoritilgan.
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