English
GREEN SCORING FOR ENERGY-EFFICIENCY PROJECT FINANCING IN UZBEKISTAN
Jurnal
Zamonaviy fan: innovatsion yondashuvlar va yosh tadqiqotchilarning dolzarb izlanishlari
Nashr
Zamonaviy fan: innovatsion yondashuvlar va yosh tadqiqotchilarning dolzarb izlanishlari
Annotatsiya
The paper proposes a green scoring methodology for bank financing of energy-efficiency and renewable energy projects in Uzbekistan. The methodology combines financial, energy, environmental, institutional, and socio-regional indicators into a single composite assessment. Classification into the 80–100, 65–79, 50–64, and below-50 score ranges makes it possible to link loan terms, guarantees, and public support to verified project outcomes. The proposed approach is intended to reduce commercial-bank credit risks, mobilise private capital, and ensure measurable energy-saving results
Kalit so‘zlar
energy efficiency
green finance
green scoring
renewable energy
bank lending
blended finance
energy audit
Oʻzbekcha
Maqolada O‘zbekistonda energiya samaradorligi va qayta tiklanuvchi energetika loyihalarini banklar tomonidan moliyalashtirish uchun yashil skoring metodikasi taklif etiladi. Metodika moliyaviy, energetik, ekologik, institutsional hamda ijtimoiy-hududiy ko‘rsatkichlarni yagona integral bahoga birlashtiradi. Loyihalarni 80–100, 65–79, 50–64 va 50 balldan past toifalarga ajratish kredit shartlari, kafolatlar va davlat ko‘magini erishilgan natija bilan bog‘lash imkonini beradi. Taklif etilgan yondashuv tijorat banklari kredit tavakkalchiligini kamaytirish, xususiy kapitalni jalb etish va energiya tejamkorligining o‘lchanadigan natijalarini ta’minlashga qaratilgan
energiya samaradorligi
yashil moliya
yashil skoring
qayta tiklanuvchi energetika
bank krediti
aralash moliyalashtirish
energiya auditi
Русский
В статье предложена методика зелёного скоринга для банковского финансирования проектов энергоэффективности и возобновляемой энергетики в Узбекистане. Методика объединяет финансовые, энергетические, экологические, институциональные и социально-региональные показатели в единую интегральную оценку. Классификация проектов по диапазонам 80–100, 65–79, 50–64 и ниже 50 баллов позволяет увязать условия кредита, гарантии и государственную поддержку с подтверждённым результатом. Предлагаемый подход направлен на снижение кредитных рисков коммерческих банков, расширение участия частного капитала и обеспечение измеримого энергосберегающего эффекта
энергоэффективность
зелёное финансирование
зелёный скоринг
возобновляемая энергетика
банковский кредит
смешанное финансирование
энергоаудит
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