TIJORAT BANKLARIDA KREDIT RISKLARINI SUG‘URTALASH VA DIVERSIFIKATSIYA QILISH MEXANIZMLARINI TAKOMILLASHTIRISH

Shahobiddin Eshboyev

GREEN ECONOMY AND DEVELOPMENT, 2025, vol. 3, issue 11

Abstract: Ushbu maqolada tijorat banklarida kredit risklarini boshqarishda sug‘urtalash va diversifikatsiya mexanizmlarinitakomillashtirish masalalari yoritilgan. So‘nggi yillarda O‘zbekistonda banklar kredit portfelining hajmi ortib borayotganligibilan bir qatorda, kredit risklarini kamaytirishning zamonaviy usullarini joriy etish zarurati ham kuchaymoqda. Kreditsug‘urtasi mexanizmlaridan samarali foydalanish banklar uchun yo‘qotishlarni kamaytirish imkonini bersa, diversifikatsiyakredit portfelini turli soha va segmentlarga taqsimlash orqali risklarni minimallashtirishga xizmat qiladi. Xalqaro tajribatahlili shuni ko‘rsatadiki, kredit risklarini sug‘urtalash va diversifikatsiya qilish usullarini takomillashtirish bank tiziminingmoliyaviy barqarorligini mustahkamlash hamda investitsion muhitni yanada yaxshilashga bevosita ta’sir ko‘rsatadi

Keywords: tijorat banklari; kredit riski; risklarni sug‘urtalash; diversifikatsiya; kredit portfeli; moliyaviy barqarorlik; bank tizimi; investitsion muhit; xalqaro tajriba; risk-menejment; raqamli texnologiyalar; iqtisodiy xavfsizlik (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:11:id:7702

DOI: 10.5281/zenodo.17559691

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