TIJORAT BANKLARIDA KREDITLARNING QAYTMASLIGI (NPL) VA LIKVIDLIK: PUL OQIMLARIDAGI UZILISHLAR TAHLILI
DOI:
https://doi.org/10.5281/zenodo.19467939Keywords:
muammoli kreditlar (NPL), likvidlik, pul oqimlari uzilishlari, kredit riski, likvidlik riski, tijorat banklari, moliyaviy barqarorlik, kredit portfeli sifati, to‘lov qobiliyati, risklarni boshqarishAbstract
Ushbu tadqiqot tijorat banklarida muammoli kreditlar (NPL) darajasi bilan likvidlik holati o‘rtasidagi o‘zaro
bog‘liqlikni pul oqimlaridagi uzilishlar kontekstida tahlil etadi. Tadqiqotda dinamik va tavsifiy yondashuvlar qo‘llanilib,
muammoli kreditlar ulushining o‘zgarishi banklarning foizli daromadlari, resurs bazasi barqarorligi, likvid aktivlari hajmi
hamda joriy to‘lov qobiliyatiga ta’siri baholandi. Natijalar shuni ko‘rsatdiki, NPL darajasining ortishi pul oqimlari kirimini
sekinlashtiradi va likvidlik bosimini kuchaytiradi, aksincha, uning kamayishi pul oqimlarining barqarorlashuviga xizmat
qiladi. Tadqiqotda kredit va likvidlik risklarini integratsiyalashgan holda boshqarish, muammoli kreditlarni erta aniqlash,
restrukturizatsiya mexanizmlarini takomillashtirish hamda likvidlik buferlarini mustahkamlash zarurligi asoslab berildi
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