BANK KAPITALI VA UNING YETARLILIK ASOSLARI
Keywords:
O‘zbekiston bank tizimi, bank kapitali, kapital yetarliligi, Bazel standartlari, moliyaviy barqarorlik, asosiy kapital, qo‘shimcha kapital, risklarni boshqarish.Abstract
Ushbu maqolada zamonaviy bank tizimida bank kapitalining mazmuni, tuzilmasi va moliyaviy xavflarni boshqarishdagi o‘rni atroflicha tahlil qilinadi. Kapitalning asosiy (Tier 1) va qo‘shimcha (Tier 2) qismlari, ularning bank barqarorligini ta’minlashdagi funksiyalari va o‘zaro nisbatlari yoritilgan. Maqolada bank kapitalining yetarlilik darajasi, ya’ni kapital yetarliligi ko‘rsatkichlari (CAR – Capital Adequacy Ratio)ning mohiyati va ahamiyati chuqur o‘rganiladi. Shuningdek, xalqaro moliyaviy standartlar, xususan, Bazel I, II va III talablari asosida kapital yetarliligining baholash usullari ko‘rib chiqiladi. O‘zbekiston Respublikasi bank tizimida kapitalni mustahkamlash, xatarlarni boshqarish va minimal talablarni belgilash borasida amalga oshirilayotgan islohotlar ham tahlil qilingan. Tadqiqot natijalari banklar faoliyatida kapitalni samarali boshqarish, moliyaviy barqarorlikni ta’minlash va investorlar ishonchini mustahkamlashda nazariy va amaliy asos bo‘lib xizmat qiladi.
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