Кыргыз
Макала тапшыруу
Салыштырмалуу экономика

Макала

Макаланы жүктөө

Долларизациянын төлөм системасынын туруктуулугуна тийгизген таасири

Нелли Акылбекова, Эльмира Курамаева, Жылдыз Мырзахматова, Салтанат Омурова, Эрмек Омуров

Кабыл алынган убакыт 13.07.2025, Түзөтүлгөн 08.11.2025, Кабыл алынган 10.12.2025

Аннотация

Долларизация төлөм системасынын туруктуулугун калыптандырууда чечүүчү роль ойнойт, өзгөчө чет элдик валютаны колдонуу деңгээли жогору болгон экономикада. Жогорку долларизация улуттук экономиканын тышкы шокторго, айрыкча валюталык курс өзгөрүүлөрүнө жана ири экономикалардын акча-кредит саясатынын өзгөрүүлөрүнө болгон алсыздыгын күчөтүшү мүмкүн. Бул изилдөөнүн максаты – чет элдик валютаны колдонуу деңгээли жогору экономикада долларизациянын төлөм системасынын туруктуулугуна тийгизген таасирин талдоо болуп, негизги көңүл Кыргыз Республикасындагы банк секторунда долларизациянын төмөндөө динамикасын баалоого жана финансы туруктуулугун чыңдоого өбөлгө түзгөн тең салмактуу акча-кредит саясатын иштеп чыгууга бурулган. Акыркы жылдары Кыргыз Республикасында банк секторунун насыя портфели жана депозиттик базасы боюнча долларизация деңгээлинин туруктуу төмөндөө тенденциясы байкалууда. Бул иште долларизациянын төлөм системасынын туруктуулугуна тийгизген таасири финансы секторунун динамикасына, ликвиддүүлүк тобокелчиликтерине жана акча интервенцияларынын натыйжалуулугуна болгон таасиринин негизинде изилденди. Ошондой эле долларизациянын структуралык кесепеттери, анын ичинде банк операцияларына, инфляцияны көзөмөлдөөгө жана валюталык курс өзгөрүүлөрүнө болгон таасири талданды. Долларизациянын терс таасирлерин жумшарта турган жана туруктуураак, ыңгайлашуучу төлөм системасын түзүүгө көмөктөшө турган саясий чараларга өзгөчө көңүл бурулду. Макалада төлөм системасынын туруктуулугу үчүн долларизациянын оң жана терс жактары каралган. Натыйжалар долларизацияланган экономикада финансы туруктуулугун жогорулатуу үчүн тең салмактуу монетардык стратегиялардын маанилүүлүгүн баса белгилейт

Негизги сөздөр:

тышкы карыз; чет элдик валютадагы депозиттери бар банк сектору; чет элдик валютадагы кредит; чет элдик валютадагы депозиттер; инфляция; экономикалык туруктуулук

Алуу булагы Том 1, № 1, 2025

Барактар 8-18

Колдонулган булактар Цитаталоо

Колдонулган булактар

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Цитаталоо

Akylbekova, N., Kuramaeva, E., Myrzakhmatova, Zh., Omurova, S., & Omurov, E. (2025). The impact of dollarisation on the stability of the payment system. Comparative Economics, 1(1), 8-18.