Abstract
Mazkur maqolada bank tizimida raqamli transformatsiya jarayonlari hamda telekommunikatsiya va sanoat tarmoqlarini moliyalashtirishda xorijiy tajribaning ahamiyati tahlil qilinadi. Tadqiqotda global miqyosda raqamli bank xizmatlarining rivojlanish tendensiyalari, telekommunikatsiya kompaniyalarining moliyaviy ko‘rsatkichlari hamda rivojlangan mamlakatlar banklarining sanoat va aloqa sohalarini kreditlash amaliyoti o‘rganilgan. Xususan, China Mobile Limited, Deutsche Telekom AG hamda Germaniyaning davlat taraqqiyot banki – KfW faoliyati misolida infratuzilma va innovatsion loyihalarni moliyalashtirish mexanizmlari tahlil etiladi. Tadqiqot natijalari xorijiy tajribani milliy sharoitlarga moslashtirish tijorat banklarining xatarlarni boshqarish imkoniyatlarini kengaytirishi, moliyaviy mahsulotlar diversifikatsiyasini ta’minlashi hamda bank faoliyatini davlatning sanoat va investitsiya siyosati bilan muvofiqlashtirish orqali real sektorni barqaror moliyalashtirishga xizmat qilishini ko‘rsatadi.
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