POSSIBILITIES OF BANKS TO INCREASE LENDING EFFICIENCY OF TERRITORIES
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American Journals
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The article analyzes the significance of commercial banks in regional lending and its impact on economic development. Loans provided by banks play a crucial role in supporting stable regional development and small and medium enterprises. The main challenges in the lending process, such as high interest rates, low financial literacy, and underdeveloped infrastructure, are examined. The article also provides recommendations based on advanced international practices to support regional development in Uzbekistan.