TIJORAT BANKLARIDA KREDIT PORTFELI DIVERSIFIKATSIYASI VA GAROV TA’MINOTI SIFATINING BANK BARQARORLIGIGA TA’SIRI
DOI:
https://doi.org/10.5281/zenodo.17351038Keywords:
tijorat banklari, kredit riski, risklarni boshqarish, Basel standartlari, xalqaro tajriba.Abstract
Maqolada tijorat banklarida kredit risklarini boshqarishning xorijiy tajribalari va ularni O‘zbekiston bank
amaliyotiga tatbiq etish imkoniyatlari o‘rganilgan. Xususan, rivojlangan davlatlarda qo‘llanilayotgan kredit risklarini
baholash, diversifikatsiya, sug‘urta va kredit skoring tizimlari tahlil qilingan. Basel qo‘mitasi standartlari asosida
risklarni kamaytirishning zamonaviy mexanizmlari o‘zbek banklari uchun amaliy ahamiyati bilan yoritilgan. Shuningdek,
kredit portfelini raqamli monitoring qilish, prudensial me’yorlardan foydalanish va xalqaro tajribalarni milliy sharoitga
moslashtirish bo‘yicha takliflar ishlab chiqilgan. Natijalar kredit risklarini samarali boshqarishga xizmat qiladi
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