Ключевые слова
Аннотация
Mazkur tezisda zamonaviy moliya tizimining eng dolzarb yo‘nalishlaridan biri hisoblangan FinTech innovatsiyalari, blockchain texnologiyasi, kriptovalyutalar hamda smart kontraktlarning iqtisodiy ahamiyati kompleks tarzda tahlil qilinadi.
Raqamli iqtisodiyot sharoitida ushbu texnologiyalar moliyaviy infratuzilmani tubdan o‘zgartirib, an’anaviy bank tizimiga muqobil bo‘lgan yangi mexanizmlarni shakllantirmoqda. Xususan, blockchain asosidagi markazlashmagan tizimlar orqali tranzaksiyalarni vositachilarsiz amalga oshirish imkoniyati yaratilmoqda, bu esa operatsion xarajatlarni sezilarli darajada kamaytiradi va xizmatlar tezligini oshiradi.
Tezisda kriptovalyutalarning investitsion aktiv sifatidagi o‘rni, ularning global moliya bozoridagi roli hamda iqtisodiy tizimga ta’siri ilmiy asosda yoritilgan. Smart kontraktlar esa iqtisodiy munosabatlarni avtomatlashtirish orqali inson omilini qisqartirish, bitimlarning ishonchliligini oshirish va huquqiy xarajatlarni kamaytirish kabi muhim ustunliklarni ta’minlashi asoslab berilgan.
Shuningdek, FinTech yechimlari orqali moliyaviy inklyuziya darajasini oshirish, ya’ni aholining bank xizmatlaridan foydalanish imkoniyatlarini kengaytirish masalalari ham tadqiq etilgan.
Библиографические ссылки
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Chris Burniske and Jack Tatar (2017). Cryptoassets: The Innovative Investor’s Guide to Bitcoin and Beyond. New York: McGraw-Hill.
Andreas M. Antonopoulos (2017). Mastering Bitcoin: Programming the Open Blockchain. 2nd ed. Sebastopol: O’Reilly Media.
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McKinsey & Company (2024). The State of FinTech and Digital Finance. New York: McKinsey Global Institute.
O‘zbekiston Respublikasi Markaziy banki (2023). Raqamli moliya va FinTech rivojlanishi bo‘yicha yillik hisobot. Toshkent.