TIJORAT BANKLARI KREDIT PORTFELINI BOSHQARISHDA RISK-MENEJMENTNING NAZARIY ASOSLARI
DOI:
https://doi.org/10.5281/zenodo.18513890Ключевые слова:
kredit portfeli, kredit risklari, risk-menejment, bank barqarorligi, moliyaviy samaradorlik, kredit portfelini boshqarish, risklarni baholash, risklarni minimallashtirish, bank tizimi, normativ-huquqiy asoslarАннотация
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
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