Tijоrаt bаnklаri tоmоnidаn krеditlаsh mехаnizmining ilmiy jihаtlаri vа nаzаriy yоndаshuvlаri

Ulug‘bek Kaxxarov

GREEN ECONOMY AND DEVELOPMENT, 2025, vol. 3, issue 8

Abstract: Mazkur maqolada tijorat banklari tomonidan amalga oshiriladigan kreditlash mexanizmining nazariy vailmiy asoslari chuqur tahlil qilinadi. Xususan, kredit siyosatini shakllantirish, qarz oluvchilarni baholash mezonlari, kreditportfelini boshqarish va kredit risklarini minimallashtirish kabi jarayonlarning iqtisodiy va ilmiy yondashuvlari yoritiladi.Tadqiqot davomida tijorat banklarining kreditlash amaliyotida uchrayotgan dolzarb muammolar, ularning sabablari vayechim yo‘llari ko‘rib chiqiladi. Kreditlash mexanizmini takomillashtirishda zamonaviy texnologiyalardan, xususan, raqamliplatformalar, sun’iy intellekt va big data tahlillaridan foydalanish imkoniyatlari o‘rganiladi. Ilmiy asoslangan tahlillar orqalikreditlash tizimining barqarorligini oshirishga qaratilgan aniq taklif va tavsiyalar ishlab chiqiladi

Keywords: tijorat banklari; kreditlash mexanizmi; kredit siyosati; kredit riski; nazariy yondashuv; kredit portfeli; moliyaviy barqarorlik; raqamli texnologiyalar; big data; sun’iy intellekt (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:8:id:6764

DOI: 10.5281/zenodo.16994412

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