KICHIK BIZNES SUBYEKTLARINI TIJORAT BANKLARI ORQALI MOLIYALASHTIRISHNING AQSH TAJRIBASI
DOI:
https://doi.org/10.60078/3060-4842-2025-vol2-iss3-pp200-204Annotasiya
Mazkur maqolada AQShdagi Small Business Administration (SBA) tajribasi asosida kichik biznes subyektlarini tijorat banklari orqali moliyalashtirish mexanizmlarining samarador jihatlari o‘rganilgan. AQShdagi kredit kafolatlari, foiz stavkalarini tartibga solish, maslahat markazlari va raqamli infratuzilmalar asosida O‘zbekiston sharoitlariga mos strategik takliflar ishlab chiqilgan. Jumladan, kredit kafolatlarini kuchaytirish, “raqamli kafolat portali”ni joriy etish, maslahat markazlari tashkil etish, foiz stavkalarini tartibga solish va monitoring tizimini takomillashtirishga oid takliflar asoslab berilgan. Takliflar O‘zbekistonda kichik biznes kreditlash mexanizmlarining samaradorligini oshirishga yo‘naltirilgan.
Kalit so‘zlar:
kichik biznes moliyalashtirish tijorat banklari SBA kredit kafolati maslahat xizmati O‘zbekiston AQSh moliyaviy inklyuziyaBibliografik manbalar
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SBA (Small Business Administration) tomonidan e'lon qilingan 2023-yilgi Yillik Hisobotdan https://www.sba.gov.
Umarova, I.S., (2025). O‘zbekistonda kichik biznesni kreditlash mexanizmlarini takomillashtirish yo‘nalishlari. Sci-P.uz, II-son, 348-bet. https://www.researchgate.net/publication/390819799.
Xursanaliyev, B., (2024). Kichik biznes va xususiy tadbirkorlikni davlat tomonidan qo‘llab-quvvatlanishida xorijiy tajriba. Qo‘qon Universiteti Xabarnomasi, 10(10), 21-24-bet. DOI: 10.54613/ku.v10i10.899 https://www.researchgate.net/publication/380832953.
Zavertiaeva, M. and Kotova, E. (2022). Credit guarantee schemes and SME finance in Russia: Evidence from a regional policy experiment. Journal of Small Business Management, 60(4), pp.812–832. https://doi.org/10.1080/00472778.2021.1938094.
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