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Abstract
Ushbu maqolada bank kreditlari bozorida raqobat muhitining shakllanishi hamda foiz stavkalarining o‘zgarishiga ta’sir etuvchi asosiy omillar ilmiy jihatdan tahlil qilingan. Tadqiqot jarayonida tijorat banklarining kreditlash siyosati, bozor konsentratsiyasi darajasi, foiz stavkalari dinamikasi va ularning iqtisodiy faollikka ta’siri statistik ma’lumotlar asosida o‘rganilgan. Maqolada banklar o‘rtasidagi raqobat kuchayishi kredit resurslarining arzonlashuviga, kredit olish imkoniyatlarining kengayishiga hamda real sektor faoliyatining faollashuviga xizmat qilishi asoslab berilgan. Shuningdek, foiz stavkalarining shakllanishida makroiqtisodiy omillar, pul- kredit siyosati va banklarning riskga bo‘lgan munosabati muhim ahamiyat kasb etishi aniqlangan. Tadqiqot natijalari bank kreditlash tizimini takomillashtirish, raqobatni rivojlantirish va foiz stavkalarini maqbullashtirish bo‘yicha amaliy tavsiyalar ishlab chiqish imkonini beradi.
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