3. Tijorat banklarining aktiv operatsiyalari Tijorat banklarining noa’nanaviy operatsiyalari

Tarjima ishi
O’zbek tili
Tijorat banki - korxonalar, tashkilotlar, fuqarolarga universal bank xizmatlari (hisob-kitob, toʻlov operatsiyalari, qoʻyilmalarni jalb etish, omonatlarni saqlash, ssudalar berish, shuningdek, qimmatli qogʻozlar bozoridagi operatsiyalar) koʻrsatadigan yirik kredit muassasasi. Tijorat banki bank harakatlarini amalga oshirish uchun pul mablag’larini, asosan, qoʻyilmalar (omonatlar), banklararo kreditlar, oʻz aksiya va obligatsiyalarini chiqarish hisobiga shakllantiradi. Oʻzbekistonda dastlabki tijorat banklari Rossiya Oʻrta Osiyoni bosib olganidan keyin, 19-asr oxirlarida rus kapitali ishtirokida paydo boʻlgan va 1917 yildagi Oktyabr toʻntarishiga qadar faoliyat koʻrsatgan. 20-asrning 90-yillari boshidan, mustaqillikdan keyin respublikada Tijorat banklari qayta paydo boʻldi.
Oʻzbekistonda Markaziy bank Tijorat banki faoliyati uchun litsenziya beradi va uning ishini nazorat qiladi. Tijorat banklari mulkchilikning turli shakllari asosida davlat ishtirokidagi, davlat aksiyadorlik, ochiq va yopiq aksiyadorlik jamiyatlari tarzida tashkil etilgan. Respublika hududida 30 ta Tijorat banki faoliyat koʻrsatadi (2020). Ulardan 13tasi davlat ulushi mavjud banklardir. Mazkur banklarning respublika hududida faoliyat koʻrsatayotgan 876 ta filiallari va 1093ta bank xizmatlari markazlari bor.

English language
A commercial bank is a large credit institution that provides universal banking services (settlement, payment operations, attraction of deposits, deposit storage, lending, as well as operations in the securities market) to enterprises, organizations and individuals. A commercial bank raises funds for banking operations, mainly through deposits, interbank loans, and the issuance of its own shares and bonds. The first commercial banks in Uzbekistan emerged after the Russian occupation of Central Asia in the late 19th century with Russian capital and operated until the October 1917 coup. Commercial banks re-emerged in the republic in the early 1990s, after independence.
In Uzbekistan, the Central Bank issues licenses and supervises the activities of commercial banks. Commercial banks are organized on the basis of various forms of ownership in the form of state-owned, joint-stock, open and closed joint-stock companies. There are 30 commercial banks in the country (2020). Of these, 2 are state-owned banks, 3 are state-owned commercial banks, 12 are private banks, 4 are banks with foreign capital and 1 is a subsidiary bank. These banks have more than 876 branches and more than 1093 mini-banks operating in the country.