Rayimnazarov Salokhiddin
An independent researcher at the Tashkent Financial Institute. rayimnazarov95@list.ru, https://orcid.org/: 0000-0001-7257-3973
Abstract. Today, the analysis and development directions of modern banking services in our country are presented. It should be recognized that the economic nature of banking activity is closely related to the concepts of “product”, “service”, “goods”. In the theoretical research of the problems arising in the banking activity, these concepts are usually used inappropriately; some of them are summarized. In general, such a situation is an aspect characteristic not only of our conditions, but also of the theory and practice of banking worldwide. These concepts form the basis of banking activity both theoretically and practically.
The concepts of banking products, banking operations and banking services are widely used in the theory and practice of banking. But they are based on the concept of goods. Commodity is essentially the economic form of historically created material values in the form of products and services. Goods and their production occur under certain conditions, that is, during the development of the social division of labor through three major stages, and the emergence of private ownership of the means of production. The main result of the three major stages of the division of labor was an increase in labor productivity. The increase in labor productivity made it possible to produce not only a sufficient amount of products for personal consumption, but also additional products – products in excess of producer consumption. Surplus product is the real basis for the emergence of the process of product exchange between producers and consumers of these surplus products.
Keywords. banking, banking system, traditional banking services, modern banking services, internet banking, SMS banking, bank marketing.