BANKLARDA KREDIT GAROVI BILAN ISHLASHNING XORIJ ILG‘OR TAJRIBASI VA UNDAN O‘ZBEKISTON BANKLARI AMALIYOTIDA FOYDALANISH ISTIQBOLLARI
DOI:
https://doi.org/10.5281/zenodo.19072954Keywords:
kredit garovi, LTV nisbati, garovni baholash, AVM texnologiyasi, garov reyestri, kredit siyosati, ipoteka, kredit tavakkalchiligi.Abstract
Ushbu maqolada tijorat banklarida kredit garovi ta’minoti bilan ishlashning xorij tajribasi va ilg‘or amaliyotlari
tahlil qilingan. Dunyoning yetakchi bank tizimlari — AQSH, Germaniya, Janubiy Koreya va Rossiya tajribasi misolida
garov obyektlarini baholash, qabul qilish hamda rasmiylashtirish amaliyoti batafsil o‘rganilgan. G‘arov siyosatini amalga
oshirish mexanizmlari, LTV nisbatlari, garov reyestri tizimlari va monitoring jarayonlari tahlil etilgan. Tadqiqot natijalari
asosida O‘zbekiston tijorat banklari uchun garov tizimini takomillashtirishga doir amaliy tavsiyalar ishlab chiqilgan.
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