RAQAMLI MOLIYA VA YASHIL MOLIYALASHTIRISH SINERGIYASI: QAYTA TIKLANUVCHI ENERGIYAGA INVESTITSIYALAR SAMARADORLIGI
Published
14.11.2026
Journal
Ensuring Macroeconomic Stability and National Sustainable Development in the Context of the Green Economy: Problems and Solutions
Issue
Ensuring Macroeconomic Stability and National Sustainable Development in the Context of the Green Economy: Problems and Solutions
Pages
133-146
Authors
Abstract
Ushbu tadqiqot raqamli moliya va yashil moliyalashtirish o‘rtasidagi sinergiyaning qayta tiklanuvchi energiya investitsiyalari samaradorligiga ta’sirini hamda moliyaviy inklyuziyaning ushbu munosabatdagi vositachi rolini o‘rganishga qaratilgan. Tadqiqotning nazariy asosini moliyaviy vositachilik, axborot nomutanosibligi, texnologik innovatsiyalar va barqaror moliya nazariyalari tashkil etadi. Raqamli moliya elektron to‘lovlar, mobil banking, raqamli kreditlash, masofaviy identifikatsiya va ma’lumotlarga asoslangan kredit skoringi orqali kapitalga kirish imkoniyatlarini kengaytirishi mumkin. Yashil moliyalashtirish bilan birgalikda ushbu vositalar qayta tiklanuvchi energetika loyihalarini moliyalashtirish xarajatlarini kamaytirish, investorlar uchun axborot shaffofligini oshirish va moliyaviy resurslarni ekologik jihatdan samarali loyihalarga yo‘naltirish imkoniyatini yaratadi.
Tadqiqot doirasida panel kvantil regressiyasi, mediatsiya tahlili, System-GMM va o‘zaro ta’sir modellari yagona empirik strategiya doirasida qo‘llanishi taklif etiladi. Xitoy, Singapur, Buyuk Britaniya va Yevropa Ittifoqi tajribasi qiyosiy institutsional tahlil uchun asos sifatida olinadi. Empirik tadqiqot uchun mamlakatlar paneli shakllantirilib, raqamli moliya rivojlanishi, yashil moliyalashtirish, moliyaviy inklyuziya va qayta tiklanuvchi energetika investitsiyalari o‘rtasidagi munosabatlar tekshiriladi. Maqolaning ilmiy hissasi raqamli moliyaning bevosita ta’sirini yashil moliyalashtirish bilan o‘zaro ta’siri va moliyaviy inklyuziya orqali yuzaga keladigan bilvosita ta’siridan ajratib baholashga qaratilgan. Taklif etilgan yondashuv O‘zbekistonda fintech infratuzilmasini yashil kreditlash va qayta tiklanuvchi energiya loyihalari bilan integratsiyalash bo‘yicha ilmiy asoslangan siyosiy tavsiyalar ishlab chiqish imkonini beradi.
Keywords
raqamli moliya
yashil moliyalashtirish
qayta tiklanuvchi energiya
investitsiya samaradorligi
moliyaviy inklyuziya
fintech
panel kvantil regressiyasi
System-GMM
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