Tijorat banklarida muammoli kreditlarni kamaytirish bo‘yicha tizimlarni takomillashtirish yo‘llari

Mahbuba Bekmurodova

GREEN ECONOMY AND DEVELOPMENT, 2025, vol. 3, issue 4

Abstract: Ushbu tadqiqot ishida tijorat banklarida uchrayotgan muammoli kreditlar masalasi atroflicha o‘rganilib, ularnikamaytirish hamda mavjud tizimlarni takomillashtirish bo‘yicha amaliy takliflar ishlab chiqildi. Bugungi kunda banklarmoliyaviy barqarorlikni saqlab qolish uchun kredit risklarini to‘g‘ri boshqarishi, muammoli kreditlarning oldini olish vaularni vaqtida qaytarilishini ta’minlashi zarur. Shu bois, tadqiqotda kredit ajratish, monitoring va tahlil jarayonlariningsamaradorligi, mavjud qonunchilik va bank siyosatlari bilan bog‘liq omillar chuqur tahlil qilindi. Bundan tashqari, xorijiytajriba asosida solishtirma tahlillar olib borilib, O‘zbekiston bank tizimi uchun mos va real shart-sharoitlarga moslashtirilgantakliflar ishlab chiqildi. Tadqiqot natijalari banklar faoliyatini yanada puxta tashkil etishga, muammoli kreditlar darajasinikamaytirishga va mijozlar bilan ishlashda barqarorlikni oshirishga xizmat qilishi mumkin.

Keywords: tijorat; bank; kredit; muammoli kredit; qaytmaslik; risk; to‘lov; mijoz; kredit ajratmalar; xodimlar; pul. (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:4:id:5090

DOI: 10.5281/zenodo.15298059

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