O'ZMILLIYBANK AJ MISOLIDA TIJORAT BANKLARI KREDITLARINING AHOLI BANDLIGIGA VA IQTISODIY O'SISHGA TA'SIRI: EMPIRIK TAHLIL
Keywords:
tijorat banki kreditlari, YIM, bandlik, log-log OLS, jobless growth, O'zmilliybank, GFCF, O'zbekiston.Abstract
Ushbu maqolada O'zmilliybank AJ kreditlarining O'zbekiston yalpi ichki mahsuloti va aholi bandligiga ta'siri 2006–2025 yillar ma'lumotlari asosida log-log OLS regression metodologiyasi yordamida empirik jihatdan o'rganilgan. Tadqiqotda ikkita parallel model qurilgan: birinchisida YIM, ikkinchisida ishsizlik darajasi bog'liq o'zgaruvchi sifatida olingan. Natijalar shuni ko'rsatadiki, O'zmilliybank kreditlari YIM o'sishiga zaif ijobiy ta'sir ko'rsatadi (elastiklik = +0.143, p = 0.062), biroq ishsizlikni kamaytirmaydi — aksincha oshiradi (elastiklik = +0.270, p = 0.011). Bu holat O'zbekistonda 'ish o'rinsiz o'sish' (jobless growth) hodisasining mavjudligini empirik jihatdan birinchi marta O'zmilliybank ma'lumotlari asosida tasdiqlaydi. Asosiy kapital qo'yilmalar (GFCF) esa ikkala modelda ham eng kuchli va ishonchli omil ekanligi aniqlandi.
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