Oʻzbekcha
TIJORAT BANKLARIDA RAQAMLI KOMPETENSIYALARGA INVESTITSIYA SAMARADORLIGINI BAHOLASH
Jurnal
Zamonaviy fan: innovatsion yondashuvlar va yosh tadqiqotchilarning dolzarb izlanishlari
Nashr
Zamonaviy fan: innovatsion yondashuvlar va yosh tadqiqotchilarning dolzarb izlanishlari
Annotatsiya
Maqolada tijorat banklari xodimlarining raqamli kompetensiyalarini rivojlantirishga yo‘naltirilgan investitsiyalar natijadorligini baholash masalalari tadqiq etilgan. Raqamli kompetensiyalarning tarmoq modeli, talab etiladigan va amaldagi darajalarni taqqoslashga asoslangan kasbiy-kompetensiyaviy tafovutlar diagnostikasi hamda xarajat–natija zanjiri taklif etilgan. Muallifning hisob-kitob-senariy modeli asosida kompetensiyalar o‘sishi, ko‘nikmalarning ish joyida qo‘llanishi, operatsiyalar davomiyligi, xatolar soni, moslashuv davri va iqtisodiy manfaat o‘rtasidagi bog‘liqlik baholangan. Bazaviy ssenariyda 120 nafar xodimning o‘rtacha raqamli kompetensiya darajasini 2,2 balldan 2,7 ballga oshirish, ustuvor tafovutlarni 55,0% xodimda bartaraf etish, operatsiyalar davomiyligini 10,0%ga va xatolarni 15,0%ga qisqartirish imkoniyati asoslangan
Kalit so‘zlar
inson kapitali
investitsiya
kasbiy rivojlanish
mehnat unumdorligi
raqamli kompetensiya
tijorat banki
kasbiy-kompetensiyaviy tafovut
iqtisodiy samara
Русский
В статье исследуются вопросы оценки результативности инвестиций в развитие цифровых компетенций работников коммерческих банков. Предложены отраслевая модель цифровых компетенций, диагностика профессионально-компетентностных разрывов на основе сопоставления требуемого и фактического уровней, а также последовательная система «затраты — освоение — применение — трудовой результат — экономический результат». На основе авторской расчётно-сценарной модели обоснованы параметры повышения компетенций, сокращения времени операций, ошибок и периода адаптации, а также экономической отдачи инвестиций
инвестиции
коммерческий банк
компетентностный разрыв
производительность труда
профессиональное развитие
цифровые компетенции
человеческий капитал
экономический эффект
English
The article examines the assessment of investment effectiveness in the development of digital competencies of commercial bank employees. It proposes a sectoral digital competency model, a diagnostic approach based on comparing required and actual proficiency levels, and a consistent chain linking costs, competency acquisition, workplace application, labor outcomes, and economic results. An author-developed scenario model is used to substantiate improvements in competency levels, operating time, error rates, employee adaptation, and investment returns
commercial bank
digital competencies
human capital
investment
professional development
competency gap
labor productivity
economic effect
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