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BANKLARNING KREDIT PORTFELINI OSHIRISHDA XULQ-ATVOR IQTISODIYOTI OMILINI TA'SIRINI BAHOLASH

descriptionPublicationkeyboard_double_arrow_right Article 03 Oct 2023 Uzbek Publisher:Zenodo
Authors: Sevara Juraeva Zakirovna;

doi: 10.5281/zenodo.8418295 , 10.5281/zenodo.8418296

BANKLARNING KREDIT PORTFELINI OSHIRISHDA XULQ-ATVOR IQTISODIYOTI OMILINI TA'SIRINI BAHOLASH

Abstract

Iqtisodiyotning asosiy bo’g’ini bo’lmish bank tizimini yanada rivojlantirish va ayniqsa mamlakatimiz banklarining kredit operatsiyalarini salmog’ini oshirish asosiy vazifalardan biri hisoblanadi. Mamlakatlarning samarali bank tizimi banklarda innovatsiyalarni joriy etish, yangi xizmat turlarini ta’minlash hamda mavjud aktiv va passiv operatsiyalarni takomillashtirish orqali faoliyat olib boradi. Respublikamizda hozirgi kunda tijorat banklari tomonidan mijozlarni kreditlashda kredit tarixi va ish haqi daromadlarini hisobga olgan holda kreditlar ajratilmoqda. Biroq, xorij tajribasidan ma’lumki bu usulda kreditlashning bir qator kamchiliklari mavjud va cheklangan miqyosdagi mijozlarni jalb qilishni taqozo etadi. Jahon miqyosida rivojlangan mamakatlar amaliyotida, xususan ularning bank va moliya tizimlarida xulq-atvor iqtisodiyoti oxirgi yillarda keng qo’llanib kelinmoqda. Mazkur maqolada jismoniy shaxslarni keditlash tizimi, kredit skoring tushunchasi, amaldagi respublikamiz banklarining kreditlash tartib qoidalari va to῾lovga layoqatlilikni aniqlash usullari keltirib o῾tilgan.

Keywords

Iqtisodiyotning asosiy bo'g'ini bo'lmish bank tizimini yanada rivojlantirish va ayniqsa mamlakatimiz banklarining kredit operatsiyalarini salmog'ini oshirish asosiy vazifalardan biri hisoblanadi. Mamlakatlarning samarali bank tizimi banklarda innovatsiyalarni joriy etish, yangi xizmat turlarini ta'minlash hamda mavjud aktiv va passiv operatsiyalarni takomillashtirish orqali faoliyat olib boradi. Respublikamizda hozirgi kunda tijorat banklari tomonidan mijozlarni kreditlashda kredit tarixi va ish haqi daromadlarini hisobga olgan holda kreditlar ajratilmoqda. Biroq, xorij tajribasidan ma'lumki bu usulda kreditlashning bir qator kamchiliklari mavjud va cheklangan miqyosdagi mijozlarni jalb qilishni taqozo etadi. Jahon miqyosida rivojlangan mamakatlar amaliyotida, xususan ularning bank va moliya tizimlarida xulq-atvor iqtisodiyoti oxirgi yillarda keng qo'llanib kelinmoqda. Mazkur maqolada jismoniy shaxslarni keditlash tizimi, kredit skoring tushunchasi, amaldagi respublikamiz banklarining kreditlash tartib qoidalari va to῾lovga layoqatlilikni aniqlash usullari keltirib o῾tilgan., Iqtisodiyotning asosiy bo'g'ini bo'lmish bank tizimini yanada rivojlantirish va ayniqsa mamlakatimiz banklarining kredit operatsiyalarini salmog'ini oshirish asosiy vazifalardan biri hisoblanadi. Mamlakatlarning samarali bank tizimi banklarda innovatsiyalarni joriy etish, yangi xizmat turlarini ta'minlash hamda mavjud aktiv va passiv operatsiyalarni takomillashtirish orqali faoliyat olib boradi. Respublikamizda hozirgi kunda tijorat banklari tomonidan mijozlarni kreditlashda kredit tarixi va ish haqi daromadlarini hisobga olgan holda kreditlar ajratilmoqda. Biroq, xorij tajribasidan ma'lumki bu usulda kreditlashning bir qator kamchiliklari mavjud va cheklangan miqyosdagi mijozlarni jalb qilishni taqozo etadi. Jahon miqyosida rivojlangan mamakatlar amaliyotida, xususan ularning bank va moliya tizimlarida xulq-atvor iqtisodiyoti oxirgi yillarda keng qo'llanib kelinmoqda. Mazkur maqolada jismoniy shaxslarni keditlash tizimi, kredit skoring tushunchasi, amaldagi respublikamiz banklarining kreditlash tartib qoidalari va to῾lovga layoqatlilikni aniqlash usullari keltirib o῾tilgan.

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selected citations
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This is an alternative to the "Influence" indicator, which also reflects the overall/total impact of an article in the research community at large, based on the underlying citation network (diachronically).
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popularity
This indicator reflects the "current" impact/attention (the "hype") of an article in the research community at large, based on the underlying citation network.
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influence
This indicator reflects the overall/total impact of an article in the research community at large, based on the underlying citation network (diachronically).
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impulse
This indicator reflects the initial momentum of an article directly after its publication, based on the underlying citation network.
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