DIGITAL TRADE-FINANCE INSTRUMENTS AS A TOOL FOR CLOSING THE EXPORT FINANCING GAP OF SMALL BUSINESSES IN UZBEKISTAN

This thesis examines the potential use of digital trade-finance instruments—including electronic letters of credit, export factoring, supply-chain finance, and data-based credit scoring—to finance the foreign trade activities of small business entities (SBEs) in Uzbekistan. Using statistical data for 2021–2026 and a cash-conversion-cycle approach, the study estimates the working-capital demand associated with SBE exports at USD 2.0–4.1 billion in 2025 and USD 4.3–8.6 billion by 2030 under the baseline scenario. The analysis suggests that, despite the growth in bank lending, collateral requirements may limit access to finance for some small exporters. A data-based credit-limit rule and a four-stage implementation roadmap with measurable indicators are proposed. UZ Tezisda Özbekistonda kiçik biznes subyektlarining taşqi savdo faoliyatini moliyalaştirişda raqamli savdo moliyasi vositalari, jumladan, elektron akkreditivlar, eksport faktoringi, ta'minot zanjirini moliyalaştiriş va ma'lumotlarga asoslangan kredit skoringidan foydalaniş imkoniyatlari örganilgan. 2021–2026-yillarga oid statistik ma'lumotlar va pul mablağlarining aylaniş sikli yondaşuvi asosida kiçik biznes eksporti bilan boğliq aylanma kapitalga talab 2025-yilda 2,0– 4,1 mlrd AQŞ dollari, 2030-yilda esa bazaviy ssenariy böyiça 4,3–8,6 mlrd AQŞ dollari miqdorida baholangan. Tahlil natijalari bank kreditlaş hajmi ösişiga qaramay, garov talablari ayrim kiçik eksportçilar uçun moliyalaştiriş imkoniyatlarini çeklaşi mumkinligini körsatadi. Ma'lumotlarga asoslangan kredit limitini belgilash qoidasi hamda ölçanadigan körsatkiçlarni öz içiga olgan tört bosqiçli joriy etiş yol xaritasi taklif qilingan. Kalit sözlar: kiçik biznes, eksportni moliyalaştiriş, savdo moliyasi, faktoring, ta'minot zanjirini moliyalaştiriş, elektron akkreditiv, kredit skoringi, raqamlaştiriş, Özbekiston.

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