TIJORAT BANKLARINING KONSALTING XIZMATLARINI TAKOMILLASHTIRISH

Аннотация

This scientific work analyzes the issues of improving the consulting services of commercial banks. It studies the types of consulting services provided by banks, their current status and level of effectiveness. In particular, the quality and convenience of financial consulting, investment recommendations, accounting and tax consulting services provided to clients were scientifically assessed. During the study, the consulting practice of Uzbek commercial banks was compared with the experience of international banks. Based on advanced foreign experience, areas of improvement suitable for the national banking 188 DEVELOPMENT OF PEDAGOGICAL TECHNOLOGIES IN MODERN SCIENCES International scientific-online conference system were developed. In particular, important proposals were put forward, such as digitizing consulting services, forming individual consulting packages for small and medium-sized businesses, and training qualified consulting specialists. The results of the study expand the possibilities of diversifying the activities of banks, in-depth analysis of customer needs and their effective satisfaction. Based on the results of the work, proposals and recommendations were developed to increase the competitiveness of commercial banks. Keywords: Commercial banks, consulting services, financial consulting, bank marketing, investment consulting, customer-oriented approach, digital services, international experience, bank-client relations, service quality, diversification of banking services, small business, innovative financial services. Asosiy qism Bozor iqtisodiyoti sharoitida moliya institutlari, xususan, tijorat banklari faoliyati tobora raqobatbardosh, xizmat ko‘lamini kengaytirishga va mijozlar ehtiyojini chuqur tahlil qilgan holda xizmatlar taklif etishga qaratilmoqda. Shunday sharoitda banklarning konsalting xizmatlari bank-mijoz o‘rtasidagi ishonchli aloqani mustahkamlovchi, moliyaviy barqarorlikni ta’minlovchi muhim vositaga aylanmoqda. Tijorat banklarining konsalting xizmatlari – bu mijozlarga moliyaviy, investitsiyaviy, buxgalteriya, soliq va huquqiy masalalarda maslahat berishdan iborat bo‘lgan xizmatlar majmuasidir. Bunday xizmatlar yirik korxonalardan tortib, kichik biznes va yakka tartibdagi tadbirkorlargacha bo‘lgan keng mijozlar guruhiga mo‘ljallangan bo‘lishi zarur. Afsuski, bugungi kunda O‘zbekiston banklarida bu xizmatlar ko‘proq yirik mijozlar doirasida cheklangan, jismoniy shaxslar va kichik biznes subyektlari bu xizmatlardan yetarlicha foydalana olmayapti. Bugungi kunda O‘zbekiston tijorat banklarining konsalting xizmatlarini ko‘rsatish amaliyoti hali to‘liq shakllanmagan bo‘lib, bu sohada bir qator tizimli muammolar mavjud. Ushbu kamchiliklar mijozlarga ko‘rsatilayotgan xizmatlarning sifatiga bevosita salbiy ta’sir ko‘rsatmoqda. Jumladan, quyidagi asosiy muammolar aniqlanmoqda: Banklar tomonidan ko‘rsatilayotgan konsalting xizmatlari o‘zaro solishtirilganda, ularning mazmuni, yondashuvi va sifat darajasi sezilarli darajada farq qilmoqda. Hozirgi vaqtda konsalting faoliyatini tartibga soluvchi, barcha banklar uchun majburiy bo‘lgan yagona metodologik hujjatlar yoki standartlar ishlab chiqilmagan. Bu esa banklar tomonidan xizmatlarning noaniq mezonlar asosida tashkil etilishiga, mijozlarga taklif qilinayotgan tavsiyalarning 189 DEVELOPMENT OF PEDAGOGICAL TECHNOLOGIES IN MODERN SCIENCES International scientific-online conference turlicha sifatda bo‘lishiga olib kelmoqda. Yagona metodika va xizmat ko‘rsatish standartlari yo‘qligi natijasida xizmat sifati nazorat qilinmaydi va tahlil etilmaydi. Ko‘plab tijorat banklarida konsalting xizmatlari alohida bo‘lim sifatida tashkil etilmagan bo‘lib, ushbu faoliyatni odatda kredit bo‘limi yoki boshqa funksional xodimlar bajaradi. Bu holat esa xizmatlarning professional darajada amalga oshirilmasligiga olib keladi. Konsalting – bu faqatgina maslahat berish emas, balki chuqur iqtisodiy, moliyaviy, huquqiy va strategik tahlilni o‘z ichiga oluvchi kompleks xizmatdir. Shu sababli, konsalting xizmatlarini ko‘rsatadigan xodimlarning yuqori malakaga ega bo‘lishi, xalqaro moliya institutlarining maslahat standartlarini bilishi, ilg‘or IT texnologiyalaridan foydalanish ko‘nikmalariga ega bo‘lishi talab etiladi. Amalda esa ko‘plab mutaxassislar bunday malakaga ega emas. Tijorat banklarining aksariyati konsalting xizmatlarini asosan o‘z mahsulotlarini sotish (kreditlar, ipoteka, depozitlar) bilan bog‘liq holda tashkil etgan. Boshqacha aytganda, bu xizmatlar bankning tijorat maqsadlarini ilgari surish vositasi sifatida foydalanilmoqda. Holbuki, haqiqiy konsalting – bu mijozning moliyaviy holati, ehtiyojlari va imkoniyatlarini tahlil qilish, unga individual asoslangan tavsiyalar berishdir. Hozirgi amaliyotda esa moliyaviy rejalashtirish, investitsiyaviy portfelni shakllantirish, risklarni baholash va menejment, soliq rejalashtirish kabi keng ko‘lamli xizmatlar deyarli taklif qilinmaydi. Shu sababli bank konsaltingi mijozlar uchun to‘laqonli yordam vositasi bo‘lolm