TIJORAT BANKLARIDA KREDIT PORTFELI SIFATINI OSHIRISH VA KREDIT RISKINI BOSHQARISH MEXANIZMLARINI TAKOMILLASHTIRISH
DOI:
https://doi.org/10.5281/zenodo.18547738Keywords:
tijorat banklari, kredit portfeli sifati, kredit riski, muammoli kreditlar, risklarni boshqarish.Abstract
Mazkur maqolada tijorat banklarida kredit portfeli sifatini oshirish va kredit riskini boshqarish mexanizmlarini
takomillashtirish masalalari tadqiq etilgan. Tadqiqotning asosiy maqsadi kredit portfeli sifati va kredit riskini boshqarish
o‘rtasidagi o‘zaro bog‘liqlikni aniqlash hamda ularning bank faoliyatiga ta’sirini empirik tahlil asosida baholashdan iborat.
Tadqiqot jarayonida muammoli kreditlar ulushi, kredit portfeli tarkibi va risklarni boshqarish mexanizmlarining samaradorligi
o‘rganilib, kredit riskini kamaytirish va portfel sifatini oshirishga qaratilgan ilmiy-amaliy xulosalar ishlab chiqildi. Olingan
natijalar tijorat banklarida barqaror kredit siyosatini shakllantirish va moliyaviy barqarorlikni mustahkamlashga xizmat
qiladi.
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