Jismoniy shaxslar kreditlarining bank portfeli sifatiga ta’siri: tahliliy yondashuv
DOI:
https://doi.org/10.5281/zenodo.15653779Keywords:
kredit portfeli, tijorat banki, kredit sifati, jismoniy shaxslarga kredit, to‘lovga layoqatsiz kreditlar, bank tahlili.Abstract
Jismoniy shaxslarga ajratilgan kreditlar ulushining ortib borayotgani banklar uchun barqaror daromad manbai
hisoblanadi, chunki bu segment, odatda, katta miqdordagi kreditlar emas, balki ko‘plab mayda kreditlar orqali portfelni
kengaytiradi. Bu esa kredit portfelining xatar darajasini pasaytiradi va bank barqarorligini mustahkamlashga xizmat qiladi.
Shu sababli, so‘nggi yillarda kuzatilayotgan bu strukturaviy siljishlar moliyaviy tizimda muhim sifat o‘zgarishlarini yuzaga
keltirib, bank xizmatlarining aholiga yanada yaqinlashishiga olib keldi. Shu bilan birga, raqamli bank xizmatlarining
ommalashuvi ham kreditlash faoliyatining geografik va ijtimoiy qamrovini kengaytirib, jismoniy shaxslar segmentining
o‘sishini qo‘llab-quvvatlamoqda. Shu asosda, kapitalida davlat ulushi mavjud banklar o‘z portfellari tarkibini tobora
muvozanatlashgan va ko‘p segmentli kreditlash tamoyiliga mos tarzda shakllantirib bormoqda
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O‘zbekiston Respublikasi Markaziy bankning rasmiy sayti www.cbu.uz ma’lumotlari.
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