Optimization Strategies for Investment Project Financing Decisions in Commercial Banking

The relevance of this study is determined by the growing need for long-term investment financing amid the ongoing modernization of Uzbekistan’s economy and the transformation of its banking sector. The effectiveness of financing mechanisms has become a critical factor for sustainable economic development, making the optimization of investment financing decisions particularly important. The purpose of the article is to identify strategic directions for improving decision-making processes in the financing of investment projects by commercial banks in Uzbekistan. The research employs a comprehensive methodological approach that integrates economic–statistical analysis, comparative evaluation of international practices, and expert assessment by professionals in the banking sector. The study reveals a steady growth in investment loan volumes, significant variation in project performance across sectors, and the necessity of adopting modern project financing mechanisms supported by improved risk management frameworks. Furthermore, the findings demonstrate the importance of strengthening state involvement in mitigating long-term financing risks. The practical significance of the results lies in providing actionable recommendations to enhance banks’ decision-making efficiency, improve project evaluation quality, and implement innovative financial instruments. The theoretical significance is reflected in advancing the scientific understanding of the factors influencing investment financing efficiency in emerging economies.

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