Milliy moliya bozorining rivojlanishida an'anaviy va islomiy banklarning farqli jihatlari samarqand iqtisodiyot va servis instituti Iqtisodiyot fakulteti talabasi Gadoyev Behzod Annotatsiya

Iqtisodiy o'sishdagi roli:

An'anaviy banklar an'anaviy ravishda kreditlar va kreditlar berishga e'tibor qaratadilar, birinchi navbatda kredit faoliyati orqali iqtisodiy o'sishga hissa qo'shadilar. Aksincha, islom banklari moliyaviy muvaffaqiyatni jamiyat farovonligi va barqaror o'sish bilan uyg'unlashtiradigan foydani taqsimlash orqali axloqiy investitsiyalar va hamkorlikni rivojlantirishga urg'u beradi.

Rivojlanayotgan manzara:

Har ikkala bank tizimi milliy moliya bozorlarida hal qiluvchi rol o'ynasa-da, islom bankining paydo bo'lishi rivojlanayotgan manzarani ifodalaydi. Xatarlarni taqsimlash va aktivlar bilan ta'minlangan operatsiyalarga asoslangan islomiy moliyaning axloqiy tamoyillari nafaqat muqobil moliyaviy modelni taklif qiladi, balki axloqiy va inklyuziv bank amaliyotiga intilayotgan o'sib borayotgan aholini ham qamrab oladi.

Xulosa qilib aytish mumkinki, milliy moliya bozorini shakllantirishda an'anaviy va islom banklari o'rtasidagi farq nafaqat ularning operatsion usullarida, balki asosiy mafkuralarida ham yotadi. An'anaviy bank ishi uzoq vaqtdan beri odatiy hol bo'lib kelgan bo'lsa-da, islom bankining yuksalishi yanada barqaror va inklyuziv moliyaviy kelajakka yo'l ochishi mumkin bo'lgan axloqiy, aktivlar bilan ta'minlangan moliyaviy tizimlarga ustunlik berib, paradigma o'zgarishini keltirib chiqaradi.

Ushbu tizimlar o'rtasidagi sinergiya, ularning kuchli tomonlari va o'ziga xos yondashuvlarini e'tirof etgan holda, axloqiy me'yorlarni qo'llab-quvvatlagan holda, turli iqtisodiy ehtiyojlarni qondiradigan, yanada barqaror va muvozanatli milliy moliya bozorini rivojlantirishi mumkin.

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