Keywords
Abstract
Ushbu maqolada tijorat banklari tomonidan kichik biznes subyektlarini moliyalashtirish amaliyotini takomillashtirish masalalari tahlil qilinadi. Kichik biznes iqtisodiyotning barqaror rivojlanishida muhim rol o‘ynaydi va uni moliyaviy qo‘llab-quvvatlash tizimini takomillashtirish tadbirkorlarning rivojlanishiga ijobiy ta’sir ko‘rsatadi.
Maqolada kichik biznesni moliyalashtirishdagi asosiy muammolar – yuqori foiz stavkalari, garov talablarining qattiqligi, kredit ajratish jarayonining murakkabligi hamda moliyaviy resurslarning yetishmovchiligi ko‘rib chiqiladi. Ushbu muammolarni bartaraf etish uchun foiz stavkalarini pasaytirish, garov talablarini yumshatish, raqamli texnologiyalarni joriy qilish, davlat va xususiy sektor hamkorligini kengaytirish hamda maxsus bank mahsulotlarini ishlab chiqish bo‘yicha takliflar ilgari surilgan.
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