Jismoniy shaxslar kreditlarining bank portfeli sifatiga ta’siri: tahliliy yondashuv

Lobar Sabirova

GREEN ECONOMY AND DEVELOPMENT, 2025, vol. 3, issue 5

Abstract: Jismoniy shaxslarga ajratilgan kreditlar ulushining ortib borayotgani banklar uchun barqaror daromad manbaihisoblanadi, chunki bu segment, odatda, katta miqdordagi kreditlar emas, balki ko‘plab mayda kreditlar orqali portfelnikengaytiradi. Bu esa kredit portfelining xatar darajasini pasaytiradi va bank barqarorligini mustahkamlashga xizmat qiladi.Shu sababli, so‘nggi yillarda kuzatilayotgan bu strukturaviy siljishlar moliyaviy tizimda muhim sifat o‘zgarishlarini yuzagakeltirib, bank xizmatlarining aholiga yanada yaqinlashishiga olib keldi. Shu bilan birga, raqamli bank xizmatlariningommalashuvi ham kreditlash faoliyatining geografik va ijtimoiy qamrovini kengaytirib, jismoniy shaxslar segmentiningo‘sishini qo‘llab-quvvatlamoqda. Shu asosda, kapitalida davlat ulushi mavjud banklar o‘z portfellari tarkibini toboramuvozanatlashgan va ko‘p segmentli kreditlash tamoyiliga mos tarzda shakllantirib bormoqda

Keywords: kredit portfeli; tijorat banki; kredit sifati; jismoniy shaxslarga kredit; to‘lovga layoqatsiz kreditlar; bank tahlili. (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:5:id:5769

DOI: 10.5281/zenodo.15653779

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