TIJORAT BANKLARIDA DAROMADLILIK VA LIKVIDLILIK MUTANOSIBLIGINI TA’MINLASHDA DAVLAT QIMMATLI QOG‘OZLARIGA INVESTITSIYALARNING O‘RNI
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tijorat banklari, davlat qimmatli qog‘ozlari, likvidlilik, daromadlilik, yuqori likvidli aktivlar, shartli daromad, investitsiya portfeli, 10 foizlik mezon.Abstrak
Maqolada “Aloqabank”, “Hamkorbank”, “Ipoteka bank”, “Sanoatqurilishbank” va “Turonbank”ning 2020–2025-yillardagi ma’lumotlari asosida qimmatli qog‘ozlarga investitsiyalarning bank uchun beradigan to‘liq iqtisodiy samarasi baholangan. Bunda foizli daromad bilan bir qatorda qimmatli qog‘ozlarning likvidlik talabini bajarishdagi o‘rni, ya’ni shu talab uchun qo‘shimcha resurs jalb qilmaslik hisobiga tejalgan xarajat ham hisobga olindi. Hisob-kitoblar 2025-yilda ushbu tejalgan xarajat investitsiyalardan olingan yakuniy natijaning 51–74 foizini tashkil etganini ko‘rsatdi. Shu bilan birga, davlat qimmatli qog‘ozlarining bank tizimi aktivlaridagi ulushi atigi 7,7 foiz bo‘lib, tanlangan banklardan faqat bittasida 10 foizdan oshgan. Natijalar asosida tijorat banklari aktivlarida davlat qimmatli qog‘ozlariga investitsiyalar ulushini kamida 10 foiz darajasida belgilash taklif etilgan.
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