TIJORAT BANKLARI KREDIT PORTFELINI BOSHQARISHDA RISK-MENEJMENTNING NAZARIY ASOSLARI
DOI:
https://doi.org/10.5281/zenodo.18513890Keywords:
kredit portfeli, kredit risklari, risk-menejment, bank barqarorligi, moliyaviy samaradorlik, kredit portfelini boshqarish, risklarni baholash, risklarni minimallashtirish, bank tizimi, normativ-huquqiy asoslarAbstract
Ushbu maqolada tijorat banklari faoliyatida kredit portfelini shakllantirish va boshqarish jarayonida riskmenejmentning
nazariy asoslari yoritib berilgan. Xususan, kredit risklari mohiyati, ularning bank barqarorligi va moliyaviy
samaradorlikka ta’siri ochib berilib, risk-menejmentning bank kredit portfelini boshqarishdagi o‘rni va ahamiyati tahlil
qilingan. Kredit portfelini boshqarishda qo‘llaniladigan asosiy nazariy yondashuvlar, risklarni aniqlash, baholash va
minimallashtirish mexanizmlari ilmiy nuqtayi nazardan ko‘rib chiqilgan. Shuningdek, kredit risklarini boshqarishni tartibga
soluvchi normativ-huquqiy va institutsional asoslar umumlashtirilgan. Maqolada xalqaro bank amaliyoti va ilmiy tadqiqotlar
asosida kredit portfeli risk-menejmentini takomillashtirishning nazariy yo‘nalishlari hamda bank tizimi barqarorligini
ta’minlashdagi ustuvor jihatlar asoslab berilgan
References
1. Farnè M., Vouldis A. T. European banks’ business models and their credit risk: A cluster analysis in a high-dimensional
context //arXiv preprint arXiv:1912.05025. – 2019. https://arxiv.org/abs/1912.05025
2. Siarka P. Global portfolio credit risk management: the US banks post-crisis challenge //Mathematics. – 2021. – Т. 9. –
№. 5. – P. 562. https://www.mdpi.com/2227-7390/9/5/562
3. Siddique A. The effect of credit risk management and bank-specific factors on the financial performance of the South
Asian commercial banks //Asian Journal of Accounting Research. – 2022. – Т. 7. – №. 2. – P. 182-194. https://www.
emerald.com/ajar/article/7/2/182/60075/The-effect-of-credit-risk-management-and-bank?utm_source
4. Nguyen H. Credit risk and financial performance of commercial banks: Evidence from Vietnam //arXiv preprint
arXiv:2304.08217. – 2023. https://arxiv.org/abs/2304.08217
5. Credit Risk and Credit Access in Asia. Iqtisodiy Hamkorlik va Taraqqiyot Tashkilotining rasmiy hisobotlari doirasida olib
borilgan tadqiqotlar. https://www.oecd.org/
6. Tashmatov Shuhrat Hamraevich. (2023). ASSESSMENT OF CREDIT RISK OF A COMMERCIAL BANK.
International Journal Of Management And Economics Fundamental, 3(12), 92–97. https://doi.org/10.37547/ijmef/
Volume03Issue12-16
7. M. Ziyodullayev. Bank faoliyatini moliyaviy baholashda sun’iy intellektdan foydalanish zaruriyati //Tanqidiy nazar, tahliliy
tafakkur va innovatsion g ‘oyalar. – 2025. – Т. 1. – №. 8. – B. 990-993
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2026 GREEN ECONOMY AND DEVELOPMENT
This work is licensed under a Creative Commons Attribution 4.0 International License.