TIJORAT BANKLARIDA KREDITLARNING QAYTMASLIGI (NPL) VA LIKVIDLIK: PUL OQIMLARIDAGI UZILISHLAR TAHLILI

Samandarboy Sulaymanov

GREEN ECONOMY AND DEVELOPMENT, 2026, vol. 4, issue 3

Abstract: Ushbu tadqiqot tijorat banklarida muammoli kreditlar (NPL) darajasi bilan likvidlik holati o‘rtasidagi o‘zarobog‘liqlikni pul oqimlaridagi uzilishlar kontekstida tahlil etadi. Tadqiqotda dinamik va tavsifiy yondashuvlar qo‘llanilib,muammoli kreditlar ulushining o‘zgarishi banklarning foizli daromadlari, resurs bazasi barqarorligi, likvid aktivlari hajmihamda joriy to‘lov qobiliyatiga ta’siri baholandi. Natijalar shuni ko‘rsatdiki, NPL darajasining ortishi pul oqimlari kiriminisekinlashtiradi va likvidlik bosimini kuchaytiradi, aksincha, uning kamayishi pul oqimlarining barqarorlashuviga xizmatqiladi. Tadqiqotda kredit va likvidlik risklarini integratsiyalashgan holda boshqarish, muammoli kreditlarni erta aniqlash,restrukturizatsiya mexanizmlarini takomillashtirish hamda likvidlik buferlarini mustahkamlash zarurligi asoslab berildi

Keywords: muammoli kreditlar (NPL); likvidlik; pul oqimlari uzilishlari; kredit riski; likvidlik riski; tijorat banklari; moliyaviy barqarorlik; kredit portfeli sifati; to‘lov qobiliyati; risklarni boshqarish (search for similar items in EconPapers)
Date: 2026
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Persistent link: https://EconPapers.repec.org/RePEc:teu:ged000:v:4:y:2026:i:3:id:9873

DOI: 10.5281/zenodo.19467939

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