Tijorat banklarida kredit riskini boshqarish mexanizmlarini takomillashtirish yo‘nalishlari
DOI:
https://doi.org/10.5281/zenodo.15493708Keywords:
tijorat banki, kredit riski, risklarni boshqarish, kredit portfeli, stress-test, ichki reyting, diversifikatsiya, kredit siyosati.Abstract
Ushbu maqolada tijorat banklarida kredit risklarini boshqarish mexanizmlarining amaldagi holati tahlil
qilinib, ularni takomillashtirish yo‘nalishlari bo‘yicha takliflar ilgari surilgan. Rivojlangan mamlakatlar tajribasiga tayanilgan
holda kredit portfeli sifatini oshirish, risklarni baholashda zamonaviy iqtisodiy modellarni qo‘llash, stress-testlar va ichki
reyting tizimlarini joriy etish zarurligi asoslab berilgan. Shuningdek, kredit sug‘urtasi, portfelni diversifikatsiya qilish va
avtomatlashtirilgan monitoring vositalari orqali kredit risklarini kamaytirish mexanizmlari yoritib berilgan.
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