KREDIT RISKLARINI BOSH QARISHDA KORPORATIV BOSH QARUV VA ICHKI NAZORATNING ROLI
DOI:
https://doi.org/10.5281/zenodo.23416372Abstract
Maqolada kredit risklarini boshqarishda korporativ boshqaruv va ichki nazorat tizimining o‘zaro bog‘liqligi hamda o‘rni tadqiq etilgan. Agentlik nazariyasi, Bazel qo‘mitasi tamoyillari va COSO konsepsiyasi asosida kredit jarayonining har bir bosqichida boshqaruv organlari va ichki nazorat vositalarining vazifalari tahlil qilingan. Muallif tomonidan korporativ boshqaruv va ichki nazoratni yagona tizimga birlashtiruvchi konseptual model taklif etilgan. Tadqiqot natijalaridan tijorat banklari rahbariyati, kuzatuv kengashi a’zolari, ichki audit va risk-menejment xizmatlari faoliyatida foydalanilishi mumkin.Keywords
kredit riski, korporativ boshqaruv, ichki nazorat, kuzatuv kengashi, tijorat banklari, riskmenejment, uchta mudofaa chizig‘iReferences
- 1.O‘zbekiston Respublikasining 2019-yil 5-noyabrdagi O‘RQ–580-son «Banklar va bank faoliyati to‘g‘risida»gi Qonuni [Elektron resurs]. – URL: https://lex.uz/ru/docs/-4581969 (murojaat sanasi: 08.10.2026).
- 2.O‘zbekiston Respublikasi Prezidentining 2020-yil 12-maydagi PF–5992-son «2020–2025-yillarga mo‘ljallangan O‘zbekiston Respublikasining bank tizimini isloh qilish strategiyasi to‘g‘risida»gi Farmoni [Elektron resurs]. – URL: https://lex.uz/docs/-4811025 (murojaat sanasi: 08.10.2026).
- 3.O‘zbekiston Respublikasining 2014-yil 6-maydagi O‘RQ–370-son «Aktsiyadorlik jamiyatlari va aktsiyadorlarning huquqlarini himoya qilish to‘g‘risida»gi Qonuni [Elektron resurs]. – URL: https://lex.uz/ docs/-2382409 (murojaat sanasi: 08.10.2026).
- 4.Adams, R., & Mehran, H. (2012). Bank Board Structure and Performance: Evidence for Large Bank Holding Companies. Journal of Financial Intermediation, 21(2), 243–267.
- 5.Basel Committee on Banking Supervision. Corporate Governance Principles for Banks. – Basel: Bank for International Settlements, 2015.
- 6.Basel Committee on Banking Supervision. The Internal Audit Function in Banks. – Basel: Bank for International Settlements, 2012.
- 7.Basel Committee on Banking Supervision. Principles for the Management of Credit Risk. – Basel: Bank for International Settlements, 2000.
- 8.Beltratti, A., & Stulz, R. M. (2012). The Credit Crisis Around the Globe: Why Did Some Banks Perform Better?. Journal of Financial Economics, 105(1), 1–17.
- 9.COSO. Enterprise Risk Management: Integrating with Strategy and Performance. – Durham, NC: Committee of Sponsoring Organizations of the Treadway Commission, 2017.
- 10.COSO. Internal Control – Integrated Framework. – Durham, NC: Committee of Sponsoring Organizations of the Treadway Commission, 2013.
- 11.Diamond, D. W. (1984). Financial Intermediation and Delegated Monitoring. The Review of Economic Studies, 51(3), 393–414.
- 12.Ellul, A., & Yerramilli, V. (2013). Stronger Risk Controls, Lower Risk: Evidence from U.S. Bank Holding Companies. The Journal of Finance, 68(5), 1757–1803.
- 13.Institute of Internal Auditors. The IIA’s Three Lines Model: An Update of the Three Lines of Defense. – Lake Mary, FL: IIA, 2020.
- 14.Jensen, M. C., & Meckling, W. H. (1976). Theory of the Firm: Managerial Behavior, Agency Costs and Ownership Structure. Journal of Financial Economics, 3(4), 305–360.
- 15.Laeven, L., & Levine, R. (2009). Bank Governance, Regulation and Risk Taking. Journal of Financial Economics, 93(2), 259–275.
- 16.OECD. G20/OECD Principles of Corporate Governance 2023. – Paris: OECD Publishing, 2023.
- 17.Stiglitz, J. E., & Weiss, A. (1981). Credit Rationing in Markets with Imperfect Information. The American Economic Review, 71(3), 393–410.
Downloads
Published
2026-10-16
How to Cite
Sabirov, S. U. (2026). KREDIT RISKLARINI BOSH QARISHDA KORPORATIV BOSH QARUV VA ICHKI NAZORATNING ROLI. GREEN ECONOMY AND DEVELOPMENT, 4(10), 56–60. https://doi.org/10.5281/zenodo.23416372
Issue
Section
Articles
License
Copyright (c) 2026 GREEN ECONOMY AND DEVELOPMENT

This work is licensed under a Creative Commons Attribution 4.0 International License.


