KREDIT SEKTORIDA QONUN BUZILISHLARI HOLATLARIGA QARSHI KURASHNI MUVOFIQLASHTIRISHDA PROKURATURA ORGANLARI FAOLIYATINING NAZARIY-HUQUQIY VA AMALIY JIHATLARI
##article.subject##:
kredit sektori, kredit munosabatlari, qonun buzilishlari, prokuror nazorati, prokuratura muvofiqlashtiruvi, moliyaviy barqarorlik, iqtisodiy xavfsizlik, bank siri, manfaatlar to‘qnashuvi, muammoli kreditlar, AML/CFT, raqamli monitoring##article.abstract##
Mazkur maqolada kredit sektorida qonun buzilishlari holatlariga qarshi kurashni muvofiqlashtirishda prokuratura organlari faoliyatining nazariy-huquqiy, institutsional va amaliy jihatlari kompleks tahlil qilingan. Tadqiqotda kredit munosabatlari moliya-bank tizimining barqarorligi, iqtisodiy xavfsizlik, banklarga bo‘lgan ishonch va investitsiyaviy muhitga ta’sir ko‘rsatuvchi muhim huquqiy-iqtisodiy institut sifatida baholanadi. Shu nuqtai nazardan, kredit sektoridagi qonun buzilishlari faqat bank va mijoz o‘rtasidagi xususiy shartnomaviy nizo doirasida emas, balki moliyaviy intizom, korruptsiyaviy xavflar, jinoiy daromadlarni legallashtirish, muammoli kreditlar ulushining ortishi va davlat iqtisodiy manfaatlariga tahdid soluvchi tizimli hodisa sifatida o‘rganilgan. Maqolada prokuratura organlarining muvofiqlashtiruvchi funktsiyasi mustaqil prokurorlik faoliyati yo‘nalishi sifatida ochib berilib, uning nazorat, jinoiy ta’qib, profilaktika va idoralararo hamkorlik bilan o‘zaro bog‘liqligi asoslangan. Shuningdek, kredit sektoridagi huquqbuzarliklarni aniqlash va bartaraf etishda Markaziy bank, soliq organlari, moliyaviy monitoring tuzilmalari, tijorat banklari va huquqni muhofaza qiluvchi organlar o‘rtasida samarali axborot almashinuvi muhim ahamiyat kasb etishi ta’kidlangan. Tadqiqotda xorijiy mamlakatlar tajribasi, xususan Germaniya, AQSh, Rossiya va FATF tavsiyalari qiyosiy tahlil qilinib, O‘zbekiston amaliyoti uchun ixtisoslashgan prokurorlar korpusini shakllantirish, yagona raqamli monitoring platformasini joriy etish, riskka asoslangan nazorat modelini kuchaytirish hamda kredit sektorida profilaktik prokuror tahlilini rivojlantirish bo‘yicha ilmiy asoslangan takliflar ishlab chiqilgan.
Библиографические ссылки
Alisherovich T.S. Improving accounting and its maintenance in banks // Gospodarka i Innowacje. 2023. Vol. 31. P. 15–20.
Bazarova M. Distinctive features of personal management in the activities of commercial banks // Modern Science and Research. 2024. Vol. 3. No. 1. P. 563–567.
Казарина А.Х. Правозащитная деятельность прокуратуры и ее влияние на режим законности // Вестник Академии Генеральной прокуратуры РФ. 2007. № 2 (2). С. 9. (Kazarina A.Kh. Human rights protection activities of the prosecutor’s office and their impact on the state of legality // Bulletin of the Academy of the Prosecutor General’s Office of the Russian Federation. 2007. No. 2 (2). P. 9.)
O‘zbekiston Respublikasi Bosh prokuratura tahliliy ma’lumotlari asosida (Based on analytical data of the Prosecutor General’s Office Republic of Uzbekistan.)
O‘zbekiston Respublikasining “Prokuratura to‘g‘risida”gi Qonuni. Qonunchilik maʼlumotlari milliy bazasi, 15.08.2025-y., 03/25/1081/0738-son. https://lex.uz/docs/-106197 (Law of the Republic of Uzbekistan “On the Prosecutor’s Office”. National Database of Legislation, August 15, 2025, No. 03/25/1081/0738. https://lex.uz/docs/-106197)
O‘zbekiston Respublikasining “Banklar va bank faoliyati to‘g‘risida”gi O‘RQ–580-son Qonuni. 05.11.2019. Qonunchilik maʼlumotlari milliy bazasi, 28.03.2026-y., 03/26/1126/0279-son. https://lex.uz/docs/-4581969 (Law of the Republic of Uzbekistan No. ZRU–580 “On Banks and Banking Activities”. November 5, 2019. National Database of Legislation, March 28, 2026, No. 03/26/1126/0279. https://lex.uz/docs/-4581969)
O‘zbekiston Respublikasining “Korrupsiyaga qarshi kurashish to‘g‘risida”gi Qonuni. 03.01.2017. Qonunchilik maʼlumotlari milliy bazasi, 26.02.2025-y., 03/25/1038/0188-son. https://lex.uz/docs/-3088008 (Law of the Republic of Uzbekistan “On Combating Corruption”. January 3, 2017. National Database of Legislation, February 26, 2025, No. 03/25/1038/0188. https://lex.uz/docs/-3088008)
O‘zbekiston Respublikasining Jinoyat kodeksi. Qonunchilik maʼlumotlari milliy bazasi, 21.04.2026-y., 03/26/1138/0397-son. https://lex.uz/docs/-111453 (Criminal Code of the Republic of Uzbekistan. National Database of Legislation, April 21, 2026, No. 03/26/1138/0397. https://lex.uz/docs/-111453)
Рябцев В.П. Координационная деятельность органов прокуратуры. М.: Юридическая литература, 2004. С. 34–45. (Ryabtsev V.P. Coordination Activities of Prosecutor’s Office Bodies. Moscow: Legal Literature, 2004. P. 34–45.)
Винокуров А.Ю. Прокурорский надзор: курс лекций. М.: Юрайт, 2019. С. 87–92. (Vinokurov A.Yu. Prosecutorial Supervision: A Course of Lectures. Moscow: Yurait, 2019. P. 87–92.)
Капинус О.С., Кехлеров С.Г. Настольная книга прокурора. М.: Академия Генеральной прокуратуры, 2012. С. 234–240. (Kapinus O.S., Kekhlerov S.G. The Prosecutor’s Handbook. Moscow: Academy of the Prosecutor General’s Office, 2012. P. 234–240.)
Mualliflar jamoasi. O‘zbekiston Respublikasida prokurorlik nazorati. Toshkent: TDYU, 2007. 112-b. (Collective of authors Prosecutorial Supervision in the Republic of Uzbekistan. Tashkent: Tashkent State University of Law, 2007. P. 112.)
G‘aybullaev F. Prokurorlik faoliyatida muvofiqlashtirish. Toshkent: Impress Media nashriyoti, 2009. 56-b. (G‘aybullaev F. Coordination in Prosecutorial Activity. Tashkent: Impress Media Publishing House, 2009. P. 56.)
O‘zbekiston Respublikasi Bosh prokuraturasi va Markaziy bankning qo‘shma qarori asosida tuzilgan Respublika shtabining 2024 yildagi faoliyat hisoboti. (Report on the activities of the Republican Headquarters established on the basis of the joint decision of the Prosecutor General’s Office of the Republic of Uzbekistan and the Central Bank for 2024.)
Financial Action Task Force. Guidance on AML/CFT and Financial Inclusion. Paris: FATF, 2023. P. 22–28.
Bundeskriminalamt. Annual Report on Economic Crime 2022. Wiesbaden: BKA, 2023. P. 45-52.
U.S. Department of Justice. Financial Crimes Enforcement Network Annual Report 2023. Washington: DOJ, 2023. P. 18–24.
