2026-yil, 7-son · 28–39-betlar
Raqamli moliyaviy xizmatlarda axborotning notekis taqsimlanish nazariyalari va uning huquqiy tartibga solishdagi roli
Annotatsiya
Ushbu maqolada raqamli moliyaviy xizmatlar sohasida axborotning notekis taqsimlanishi (axborot asimmetriyasi) hodisasining nazariy asoslari hamda uning huquqiy tartibga solishdagi o‘rni tahlil qilinadi. Muallif Jorj Akerlofning “limon muammosi”, Maykl Spensning “signalizatsiya nazariyasi” va Jozef Stiglisning “skrining nazariyasi” kabi klassik iqtisodiy-huquqiy konsepsiyalarni raqamli moliya kontekstida qayta ko‘rib chiqadi. Maqolada Big data, blokcheyn, sun’iy intellekt va markazlashmagan moliya (DeFi) texnologiyalarining axborot asimmetriyasiga ta’siri, shuningdek iste’molchilar huquqlarini himoya qilish va transchegaraviy tartibga solish masalalari yoritiladi.
Abstract
This article analyzes the theoretical foundations of the phenomenon of information asymmetry in the field of digital financial services and its role in legal regulation. The author reviews classical economic and legal concepts, such as George Akerlof's "lemon problem," Michael Spence's "signaling theory," and Joseph Stiglitz's "screening theory," within the context of digital finance. The article highlights the impact of Big Data, blockchain, artificial intelligence, and decentralized finance (DeFi) technologies on information asymmetry, as well as issues of consumer protection and cross-border regulation.
Iqtibos uchun
Odilbek Xazratqulov. Raqamli moliyaviy xizmatlarda axborotning notekis taqsimlanish nazariyalari va uning huquqiy tartibga solishdagi roli // Adolat. – 2026. – № 7. – С. 28–39.