MOLIYAVIY INKLYUZIVLIK VA MIKROMOLIYALASHTIRISHNI RIVOJLANTIRISH ASOSIDA KICHIK BIZNESNING KREDIT OLISH IMKONIYATLARINI KENGAYTIRISH
Keywords:
moliyaviy inklyuzivlik, mikromoliyalashtirish, kichik biznes, kredit resurslari, fintex, moliyalashtirish tafovuti.Abstract
Ushbu tezis moliyaviy inklyuzivlik va mikromoliyalashtirish tizimlarining kichik biznes subyektlariga kredit resurslariga kirish imkoniyatlarini kengaytirishdagi rolini iqtisodiy nuqtai nazardan tahlil qiladi. Tadqiqot 2019-2025 yillar oralig‘idagi xalqaro moliya institutlari (IFC, Jahon banki, SME Finance Forum) hisobotlari, ilmiy adabiyotlar va statistik ma’lumotlarga asoslangan tizimli tahlil va qiyosiy tahlil uslublari orqali amalga oshirildi. Natijalar shuni ko‘rsatadiki, rivojlanayotgan bozorlarda kichik va mikro tadbirkorlik subyektlarining sezilarli qismi rasmiy moliya tizimidan yetarli darajada foydalana olmayapti, bu esa trillion dollarlik moliyalashtirish tafovutini keltirib chiqarmoqda. Fintex texnologiyalari va raqamli kreditlash platformalarining rivojlanishi ushbu tafovutni qisqartirishning istiqbolli vositasi sifatida baholanmoqda, biroq raqamli tengsizlik, institutsional cheklovlar va moliyaviy savodxonlikning pastligi bu jarayonni sekinlashtiruvchi omillar sifatida saqlanib qolmoqda.
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