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Annotatsiya: Ushbu maqolada tijorat banklari faoliyatida aktivlarning rentabelligi va likvidligini muvozanatlashtirish masalasi chuqur tahlil qilinadi. bank aktivlarini diversifikatsiya qilish hamda risk-boshqaruv mexanizmlarini qo‘llash orqali moliyaviy barqarorlikni ta’minlash yo‘llari yoritilgan. shuningdek, o‘zbekiston bank tizimi amaliyoti xorijiy tajribalar bilan solishtirilib, diversifikatsiyaning bank rentabelligi va likvidligiga ta’siri statistik ko‘rsatkichlar asosida tahlil qilingan. tadqiqot natijalariga ko‘ra, diversifikatsiya strategiyasini risk-boshqaruv tizimlari bilan uyg‘unlashtirish tijorat banklarining moliyaviy barqarorligi va foydaliligini oshirishda muhim omil ekanligi aniqlangan.References
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