INNOVATION IN THE MODERN EDUCATION SYSTEM
318
cafes and restaurants. In some cases the food may be simpler, lean during
Orthodox Lent, vegetarian in Indian ashram (spicy or non-spicy). Visitors are
often served food at set times, often without food selection. The idea that
voluntary self-restraint is only beneficial and leads to spiritual growth is also
expressed here.
REFERENCES:
1. Birjakov, M.B. Legal regulation of pilgrimage: historical aspects and
modernity / M.B. Birjakov // Tourist firms. 2005.
2. Birjakov, M.B. Legal bases and methods of regulation of pilgrimage
tourism / M.B. Birjakov // Tourist firms. 2003.
3. Birjakov, M.B. Methodological features of the design of the pilgrimage
/ M.B. Birjakov, A.M. Rish // Tourist firms. 2000.
4. Birjakov, M.B., Santiago de Compostela, Galicia, Spain. Along the
ancient pilgrimage path to Jacob / M.B. Birjakov, S.M. Sinelnikov // Tourist
firms. 2003.
INNOVATION IN THE MODERN EDUCATION SYSTEM
319
TIJORAT BANKLARI KAPITALLASHUV DARAJASINING AMALDAGI HOLATI
https://doi.org/10.5281/zenodo.6578654
Ilmiy rahbar
:
Egamova Maxfirat
Toshkent Moliya Instituti
Moliya kredit kafedrasi Fan nomzodi.
Saidrasulova Shohista Baxtiyor qizi
Toshkent Moliya Instituti
Bank ishi va auditi yo
ʻ
nalishi magistranti
.
Banklar paydo bo
ʻ
lgandan boshlab ularning dastlabki sarmoyasi,
kapitali darajasiga muhim masala sifatida e
ʼ
tibor qaratilgan. Ayniqsa, xozirgi
davrda banklar likvidliligini ta
ʼ
minlash ularning to
ʻ
lov qobiliyatini
mustahkamlash va ularga bo
ʻ
lgan ishonchni oshirishda banklarning
kapitallashuv darajasi dolzarb masalalardan biriga aylandi.
So
ʻ
nggi jahon moliyaviy-iqtisodiy inqirozi bank tizimining barqarorligini
ta
ʼ
minlashda ularning kapitallashuv darajasini oshirib borish eng muhim
iqtisodiy masalalardan biri ekanligini yana bir bor isbotladi. Mamlakatimizda
ham bank tizimining barqarorligini ta
ʼ
minlash maqsadida izchil iqtisodiy
islohatlar amalga oshirilmoqda. Bu islohatlarning asosiy qismi banklarning
kapitallashuv masalalariga bog
ʻ
liq bo
ʻ
lib, ularning eng muhimlariga
atroflicha to
ʻ
xtalamiz:
a) tijorat banklari aksiyalari hisobidan olingan dividentlar soliqlardan
ozod etildi. Bu albatta yuridik shaxslar tomonidan daromad olish maqsadida
bank aksiyalarini sotib olishni rag
ʻ
batlantirdi. Bundan tashqari birlamchi va
qo
ʻ
shimcha ravishda chiqarilgan tijorat banklari aksiyalarini xarid qilishga
yo
ʻ
naltirilgan mablag
ʻ
lar summasiga teng miqdorda foyda solig
ʻ
i va yagona
soliq to
ʻ
lovlari bo
ʻ
yicha soliqqa tortish bazasi kamaytirildi. Bu holat ham
tijorat banklari aksiyalarini jozibadorligini oshirishga xizmat qildi;
b) so
ʻ
nggi yilarda tijorat banklarining ustav kapitali miqdorini oshirish,
ularning kapitaliga aholi tadbirkorlik subektlari va xorijiy investorlarning bo
ʻ
sh
pul mablag
ʻ
larini jalb etish uchun qo
ʻ
shimcha ravishda muomalaga aksiyalar
chiqarish hamda ushbu aksiyalarni fond bozorlarida joylashtirish hisobiga
banklarning kapitallashuv darajasini oshirish imkoniyatlari berildi;
v) jahon moliyaviy-iqtisodiy inqirozi salbiy ta
ʼ
sirini pasaytirish maqsadida
Markaziy bank foydasining bir qismini respublikamiz yirik tijorat banklari ustav
kapitalini ko
ʻ
paytirishga yo
ʻ
naltirildi. Bundan tashqari, tijorat banklari yil
yakunlari bo
ʻ
yicha barcha soliqlar va to
ʻ
lovlar to
ʻ
langandan so
ʻ
ng, bank sof
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