RENTABELLIK KO‘RSATKICHLARIGA TA’SIR ETUVCHI OMILLARNI STATISTIK-REGRESSION TAHLIL ASOSIDA BAHOLASH
Qabul qilingan: 2026-05-31
Nashr etilgan: 2026-06-06
Annotatsiya
Mazkur maqolada tijorat banklari faoliyatida rentabellik ko‘rsatkichlariga ta’sir etuvchi omillar statistik-regression tahlil asosida baholandi. Tadqiqot obyekti sifatida Hamkorbankning 2020–2024 yillardagi moliyaviy ko‘rsatkichlari olindi. Tadqiqot jarayonida deskriptiv statistika, korrelyatsion tahlil va ko‘p omilli regression modellashtirish usullaridan foydalanildi. Empirik natijalarga ko‘ra, aktivlar hajmi, kredit portfeli va foizli daromadlar bank rentabelligiga ijobiy ta’sir ko‘rsatgani aniqlandi. Operatsion xarajatlarning ortishi esa rentabellik darajasining pasayishiga olib kelgan. Tadqiqot yakunida bank rentabelligini oshirishga qaratilgan ilmiy-amaliy tavsiyalar ishlab chiqildi.
Kalit so‘zlar
Adabiyotlar ro'yxati
-
Berger, A. N. (1995). The Profit-Structure Relationship in Banking—Tests of Market Power and Efficient-Structure Hypotheses. Journal of Money, Credit and Banking, 27(2), 404–431.
-
Athanasoglou, P. P., Brissimis, S. N., & Delis, M. D. (2008). Bank-specific, industry-specific and macroeconomic determinants of bank profitability. Journal of International Financial Markets, Institutions and Money, 18(2), 121–136.
-
Demirgüç-Kunt, A., & Huizinga, H. (1999). Determinants of commercial bank interest margins and profitability. World Bank Economic Review, 13(2), 379–408.
-
Mankiw, N. G. (2021). Macroeconomics. Worth Publishers.
-
Gujarati, D. N., & Porter, D. C. (2009). Basic Econometrics. McGraw-Hill.
-
Wooldridge, J. M. (2016). Introductory Econometrics: A Modern Approach. Cengage Learning.
-
Greene, W. H. (2018). Econometric Analysis. Pearson Education.
-
Rose, P. S., & Hudgins, S. C. (2012). Bank Management & Financial Services. McGraw-Hill.
-
Mishkin, F. S. (2019). The Economics of Money, Banking and Financial Markets. Pearson.
-
Центральный банк Республики Узбекистан (2020–2024). Bank tizimi bo‘yicha yillik hisobotlar. https://www.cbu.uz
-
Hamkorbank ATB (2020–2024). Yillik moliyaviy hisobotlar. https://www.hamkorbank.uz
-
World Bank (2023). Global Financial Development Report. https://www.worldbank.org
-
IMF (2022). Global Financial Stability Report. https://www.imf.org
-
Fama, E. F. (1980). Banking in the theory of finance. Journal of Monetary Economics, 6(1), 39–57.
-
Saunders, A., & Cornett, M. M. (2018). Financial Institutions Management: A Risk Management Approach. McGraw-Hill.
Mualliflar haqida
Litsenziya
Mualliflik huquqi (c) 2026 MMIT Proceedings
This work is licensed under a Creative Commons Attribution 4.0 International License.