O‘ZBEKISTON BANK TIZIMIDA AKTIVLAR SIFATINI MUSTAQIL BAHOLASH (AQR) MARKAZINI TASHKIL ETISH IMKONIYATLARI
DOI:
https://doi.org/10.5281/zenodo.19369633Ключевые слова:
AQR, aktivlar sifati, NPL, MHXS 9, ECL, EMB, XVF FSAP, bank nazorati, O‘zbekiston bank tizimi, Asia Alliance Bank, Aloqabank, Mikrokreditbank, prudensial tartibga solish.Аннотация
Ushbu ilmiy maqolada O‘zbekiston tijorat banklari Asia Alliance Bank, Aloqabank va Mikrokreditbankning
2020–2025 yillardagi statistik ma’lumotlari asosida bank aktivlari sifatini mustaqil baholash (AQR - Asset Quality Review)
markazini tashkil etishning zarurati, konseptual modeli va amaliy yo‘l xaritasi tadqiq etiladi. Ushbu maqolada rivojlangan va
rivojlanayotgan davlatlar bank tizimida AQR tajribasi tahlil etiladi. XVFning 2023 yil bo‘yicha FSAP hisobotidagi xulosasida
«targeted AQR is warranted» iborasini maqsadli tashkil etishga xalqaro asos sifatida ko‘rsatiladi. O‘zbekiston Markaziy
banki tasarrufida uch bosqichli AQR Markazi (Pilot 2025–2026 yillar, Kengaytirish 2027–2028 yillar, Tizimlashtirish 2029
yil) konseptual modeli taklif etiladi
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