BANK TIZIMI VA KREDIT MUNOSABATLARINING IQTISODIY MOHIYATI HAMDA RIVOJLANISH BOSQICHLARI

This article analyzes theoretical views on the stages of the development of the banking system and credit relations, their role in the economy and scientific significance . The study covers the functions of commercial banks, credit principles and their impact on economic growth in the transition from a centrally planned economy to a market economy. The article aims to reveal the complex and multi-stage nature of this process by comparing evolutionary and reformist models.