TIJORAT BANKLARIDA TADBIRKORLIK SUBYEKTLARINI KREDITLASH SAMARADORLIGINI BAHOLASH VA UNI OSHIRISHNING USTUVOR YO‘NALISHLARI
DOI:
https://doi.org/10.5281/zenodo.21998334Abstract
Maqolada tijorat banklarida tadbirkorlik subyektlarini kreditlash samaradorligini baholashning
nazariy va amaliy jihatlari tadqiq etilgan. Kreditlash samaradorligiga ta’sir etuvchi omillar, kredit portfeli sifati,
qarz oluvchining to‘lovga layoqatliligi, kredit jarayonining tezkorligi va raqamlashtirish darajasi tizimlashtirilgan.
Tadbirkorlik subyektlarini kreditlashni kompleks baholash uchun moliyaviy, risk, operatsion va mijozga
yo‘naltirilgan ko‘rsatkichlardan foydalanish taklif etilgan. Shuningdek, kredit skoringini takomillashtirish, raqamli
kreditlash kanallarini kengaytirish, riskka asoslangan narxlash va kreditdan keyingi monitoringni kuchaytirish
bo‘yicha amaliy takliflar ishlab chiqilgan.
Keywords
tijorat banklari, tadbirkorlik subyektlari, bank krediti, kreditlash samaradorligi, kredit portfeli, kredit riski, NPL, kredit skoringi, raqamli kreditlash, monitoringReferences
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