TIJORAT BANKLARINING KREDIT SIYOSATINI TAKOMILLASHTIRISH YO'LLARI
TIJORAT BANKLARINING KREDIT SIYOSATINI TAKOMILLASHTIRISH YO'LLARI
Ushbu maqolada tijorat banklarining kredit siyosatini takomillashtirish masalalari O‘zbekiston bank tizimining amaldagi holati va so‘nggi statistik ko‘rsatkichlari asosida tahlil qilinadi. Tadqiqotda kredit portfeli tarkibi, muammoli kreditlar ulushi, kredit riskini baholash, garov va monitoring mexanizmlari hamda raqamli skoring tizimlarining ahamiyati yoritiladi. Markaziy bank ma’lumotlariga ko‘ra, 2025-yil 1-yanvar holatiga tijorat banklarining jami kredit portfeli 533 121 mlrd so‘mni, muammoli kreditlar esa 21 185 mlrd so‘mni yoki 4,0 foizni tashkil etgan. Maqolada kredit siyosatini riskga asoslangan, diversifikatsiyalangan va raqamlashtirilgan yondashuvlar asosida takomillashtirish bo‘yicha ilmiy-amaliy takliflar ishlab chiqilgan.
tijorat banki, kredit siyosati, kredit portfeli, muammoli kreditlar, NPL, kredit riski, skoring, garov, monitoring, bank aktivlari sifati.
tijorat banki, kredit siyosati, kredit portfeli, muammoli kreditlar, NPL, kredit riski, skoring, garov, monitoring, bank aktivlari sifati.
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