Annotatsiya. Mazkur maqolada iqtisodiyotni real sektorini rivojlantirishda banklarning o‘rni tahlil qilingan. Bank tizimining samaradorligi real sektorni moliyalashtirish, tadbirkorlikni qo‘llab-quvvatlash, ishlab chiqarish infratuzilmasini rivojlantirish va iqtisodiy barqarorlikni ta’minlash kabi ko‘rsatkichlar asosida baholanadi. Maqolada bank tizimining real sektor rivojlanishiga ta’siri, mavjud muammolar va ularni hal qilish bo‘yicha yechimlar o‘rganilgan. Tadqiqot davomida bank xizmatlarini modernizatsiya qilish, raqamli bank tizimlarini joriy etish va kreditlash mexanizmlarini takomillashtirish bo‘yicha tavsiyalar ishlab chiqilgan. Ushbu tadqiqot natijalari real sektorni rivojlantirishda banklarning samaradorligini oshirishga qaratilgan strategik qarorlar qabul qilishda amaliy ko‘mak sifatida foydalanilishi mumkin.
Abstract. This article examines the role of banks in the development of the real sector of the economy. The efficiency of the banking system is evaluated based on indicators such as financing the real sector, supporting entrepreneurship, developing production infrastructure, and ensuring economic stability. The article explores the impact of the banking system on real sector development, identifies existing problems, and proposes solutions. Recommendations have been developed to modernize banking services, implement digital banking systems, and improve credit mechanisms. The results of this study can serve as practical support for making strategic decisions aimed at enhancing the effectiveness of banks in fostering the development of the real sector.
