Maqolada qishloq xo‘jalik korxonalarini kreditlashning o‘ziga xos xususiyatlari, sohadagi mavjud muammolar va ularni bartaraf etish yo‘llari batafsil tahlil qilinadi. Shuningdek, kreditlash tizimining rivojlanish istiqbollari, innovatsion moliyaviy xizmatlar, raqamli texnologiyalar va davlat siyosatining roli yoritiladi. Fermerlarning moliyaviy savodxonligini oshirish, mikrokredit va sug‘urta tizimlarini rivojlantirish orqali qishloq xo‘jalik sektorining barqarorligini ta’minlash imkoniyatlari ko‘rib chiqiladi. Ushbu tadqiqot mamlakatimiz agrar sohasida kreditlash tizimini yanada samarali qilishga qaratilgan amaliy tavsiyalarni ham taqdim etadi.
Maqolada qishloq xo‘jalik korxonalarini kreditlashning o‘ziga xos xususiyatlari, sohadagi mavjud muammolar va ularni bartaraf etish yo‘llari batafsil tahlil qilinadi. Shuningdek, kreditlash tizimining rivojlanish istiqbollari, innovatsion moliyaviy xizmatlar, raqamli texnologiyalar va davlat siyosatining roli yoritiladi. Fermerlarning moliyaviy savodxonligini oshirish, mikrokredit va sug‘urta tizimlarini rivojlantirish orqali qishloq xo‘jalik sektorining barqarorligini ta’minlash imkoniyatlari ko‘rib chiqiladi. Ushbu tadqiqot mamlakatimiz agrar sohasida kreditlash tizimini yanada samarali qilishga qaratilgan amaliy tavsiyalarni ham taqdim etadi.
В статье рассматриваются особенности кредитования сельскохозяйственных предприятий, анализируются существующие проблемы и пути их решения. Особое внимание уделяется перспективам развития системы кредитования через внедрение инновационных финансовых услуг, цифровых технологий и государственной поддержки. Также рассматривается повышение финансовой грамотности фермеров, развитие микрокредитования и страхования как факторов устойчивого развития аграрного сектора. Данное исследование предлагает практические рекомендации для совершенствования кредитной системы в сельском хозяйстве Узбекистана.
This article examines the specific characteristics of crediting agricultural enterprises, analyzes existing challenges and proposes solutions. Special focus is given to the development prospects of the crediting system through the adoption of innovative financial services, digital technologies, and government support. The article also discusses the importance of enhancing farmers’ financial literacy, expanding microcredit and insurance systems as key factors for sustainable development of the agricultural sector. This research offers practical recommendations aimed at improving the agricultural crediting system in Uzbekistan.
| № | Муаллифнинг исми | Лавозими | Ташкилот номи |
|---|---|---|---|
| 1 | Tursunov B.O. | dotsent | Toshkent gumanitar fanlar universiteti |
| № | Ҳавола номи |
|---|---|
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