Ushbu kichik maqolamda tijorat banklarida ta’lim kredit iolish amaliyotini takomillashtirish yo‘llari va ta’lim kreditining bank-moliya tizimidagi o’rni oliy ta’limda bilim olishlari maqsadida ta’lim krediti zaruriyati haqida ilmiy nazaryalar yaratilgan. Annotation: In this short article, I have created scientific theories about the need for educational loans in order to improve the practice of providing educational loans in commercial banks and the role of educational loans in the banking and financial system. Kalit so‘zlar: raqamli, drayver, global, raqobat, ta’lim krediti, foiz,kadr, kontrakt.