BANK KREDITLARI VA ULARNING IQTISODIY RIVOJLANISHGA TAʼSIRI

Аннотация

This article explores the impact of bank loans on economic development. Bank lending stimulates economic growth by financing key sectors of the economy, attracting investments, and encouraging production and consumption. However, excessive lending may undermine economic stability, increase inflation, and raise the debt burden. The article analyzes statistical data on lending systems in Uzbekistan and other countries, highlighting both the positive and negative effects of lending. It emphasizes that proper management of credit policy plays a crucial role in ensuring economic growth and stability. The influence of bank loans on macroeconomic indicators and the importance of their regulation are also discussed. 155 ILM-FAN VA INNOVATSIYA ILMIY-AMALIY KONFERENSIYASI in-academy.uz/index.php/si Keywords: bank credit, economic development, investment, lending system, inflation, macroeconomic impact, consumer loans, small and medium enterprises, interest rates, Uzbekistan’s economy.