TRANSFORMATSIYALASH JARAYONIDA TIJORAT BANKLARI KREDITLARI AMALIYOTI BILAN BOGʻLIQ MUAMMOLAR VA ULARNI KAMAYTIRISH YOʻLLARI

Nodir Jabbarov

GREEN ECONOMY AND DEVELOPMENT, 2025, vol. 3, issue 12

Abstract: Ushbu maqolada O‘zbekiston bank tizimini modernizatsiya qilish sharoitida tijorat banklari kredit amaliyotidauchrayotgan asosiy muammolar – kredit risklarining oshishi, garov siyosatining yetarli darajada takomillashmaganligi,kredit monitoringi sustligi va muammoli kreditlar (NPL) ulushining ko‘payishi tahlil qilinadi. Tadqiqot kredit portfeli sifatigasalbiy ta’sir ko‘rsatuvchi omillarni aniqlab, ularni kamaytirishga qaratilgan yechimlarni, jumladan, kredit skoringinimustahkamlash, axborot almashinuvi tizimini rivojlantirish, muammoli kreditlarni qayta ko‘rib chiqish va kredit siyosatinixalqaro talablarga moslashtirish kabi takliflarni ishlab chiqadi. Natijalar tijorat banklari kredit amaliyotini takomillashtirishva kredit risklarini boshqarishni mustahkamlashga xizmat qiladi.

Keywords: kredit amaliyoti; tijorat banklari; kredit riski; garov siyosati; muammoli kreditlar; kredit monitoringi; skoring; restrukturizatsiya; xalqaro standartlar (search for similar items in EconPapers)
Date: 2025
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Persistent link: https://EconPapers.repec.org/RePEc:teu:ged000:v:3:y:2025:i:12:id:8409

DOI: 10.5281/zenodo.18048117

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