TIJORAT BANKLARI KREDITLARINING AHOLI BANDLIGIGA VA IQTISODIY O‘SISHGA TA’SIRI

Аннотация

This scientific article analyzes the impact of commercial bank loans on employment and economic growth of the country. The contribution of financing manufacturing enterprises, supporting small and medium-sized businesses, and financial opportunities created for households in the lending process to the labor market and GDP growth is highlighted. Also, the multiplicative effect of bank loans in increasing investment activity, creating new jobs, and increasing tax revenues is theoretically and practically substantiated. Along with international experience, the experience of Uzbekistan is analyzed, and conclusions are drawn on increasing the efficiency of loans in various sectors of the economy. Keywords: Commercial banks, credit, employment, economic growth, small business, microfinance, investment, financial stability, digital banking services, tax revenues, innovation, multiplicative effect.