AKTIVLAR SIFATIGA TA’SIR ETUVCHI MAKROIQTISODIY VA INSTITUTSIONAL OMILLARNING TAHLILI
DOI:
https://doi.org/10.5281/zenodo.18300431Keywords:
kredit riski, aktivlar sifati, muammoli kreditlar, NPL, kapital yetarliligi, CAR, rentabellik, ROA, ECL, makroiqtisodiy omillar, bank barqarorligiAbstract
Maqolada kredit risklari va muammoli kreditlar (NPL) dinamikasiga ta’sir etuvchi bank ichki omillari
hamda makroiqtisodiy ko‘rsatkichlar (YAIM, inflyatsiya) tahlil qilinadi. 2015–2024-yillardagi ma’lumotlar asosida NPL
determinantlari (CAR, ROA, ECL, kredit o‘sishi) baholanadi. Natijalar aktivlar sifatini prudensial va proaktiv boshqarish
zarurligini ko‘rsatadi.
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