EXPERIENCE OF ATTRACTING INVESTMENT THROUGH BOND ISSUANCE BY COMMERCIAL BANKS

This study examines the experience of attracting investment through bond issuance by commercial banks, with a particular focus on the institutional and legal framework of Uzbekistan. The research analyzes the theoretical foundations of bond financing within Financial Economics and modern banking practices, emphasizing the role of capital market instruments in diversifying funding sources and ensuring financial stability. A mixed-methods approach is employed, including comparative analysis of international practices, institutional and legal assessment, statistical evaluation, and case study analysis. The study concludes that bond issuance can serve as an effective mechanism for attracting long-term investment and enhancing the resilience of the banking system. However, its full potential can only be realized through continued regulatory improvements, expansion of the investor base, and strengthening of market infrastructure. The results contribute to the development of practical recommendations aimed at improving the efficiency of bond markets in Uzbekistan.