RIVOJLANGAN MAMLAKATLARDA MOLIYAVIY INOVATSIYALARNI TARTIBGA SOLISHNI ASOSIY XUSUSIYATLARI
Keywords:
moliyaviy innovatsiyalar, FinTech, raqamli moliya, moliyaviy texnologiyalar, Regulatory Sandbox, Open Banking, kriptoaktivlar, moliyaviy barqarorlik, kiberxavfsizlik, moliyaviy nazorat, raqamli iqtisodiyot.Abstract
Mazkur maqolada rivojlangan mamlakatlarda moliyaviy innovatsiyalarni tartibga solishning asosiy xususiyatlari, ularning zamonaviy moliya tizimidagi o‘rni hamda iqtisodiy rivojlanishga ta’siri tahlil qilingan. Tadqiqot davomida AQSh, Buyuk Britaniya, Singapur va Yevropa Ittifoqi mamlakatlarining amaliy tajribalari o‘rganilib, moliyaviy innovatsiyalarni boshqarishda qo‘llanilayotgan yondashuvlar, nazorat mexanizmlari va innovatsiyalarni qo‘llab-quvvatlash vositalari qiyosiy jihatdan baholangan. Shuningdek, moliyaviy texnologiyalar, raqamli to‘lov tizimlari, ochiq bank xizmatlari hamda kriptoaktivlar bozorining rivojlanishi bilan bog‘liq imkoniyatlar va xavflar yoritilgan. Tadqiqot natijalari rivojlangan mamlakatlarda tartibga solish siyosati innovatsion faoliyatni rag‘batlantirish bilan bir qatorda moliyaviy barqarorlikni saqlash, iste’molchilar huquqlarini himoya qilish va kiberxavfsizlikni ta’minlashga qaratilganligini ko‘rsatdi. Olingan xulosalar moliyaviy innovatsiyalarni rivojlantirish hamda ularni samarali nazorat qilish bo‘yicha milliy siyosatni takomillashtirish uchun amaliy ahamiyatga ega.
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