THE SIGNIFICANCE OF COMMERCIAL BANK CREDITS FOR THE DEVELOPMENT OF ECONOMIC SECTORS

Abstract

This article investigates the scientific and practical significance of commercial bank credit resources as a primary financial driver and catalyst for the structural and sectoral development of the national economy. The relevance of the study is driven by the necessity of deep economic diversification and ensuring balanced, long-term growth across key sectors of the national economy during the market transformation of the financial sector of the Republic of Uzbekistan. Based on official aggregated statistical data covering the period from 2020 to 2025, a comprehensive dynamic and inter-sectoral structural analysis of allocated bank credits was conducted. Financial flows directed into industry, agriculture, construction, trade and catering, transport and communications, as well as the retail sector of credit provision to individuals, were studied in detail. Utilizing methods of horizontal, vertical, and coefficient statistical analysis, sectoral growth rates and structural shifts were calculated. The paper proves that bank lending exerts a direct influence on the intensity of expanded reproduction in the real sector, thereby modifying macroeconomic proportions. Based on the findings, funding imbalances were identified, and scientifically grounded recommendations were formulated to optimize the sectoral allocation of credit resources.