TIJORAT BANKLARIDA KREDIT PORTFELI SIFATINI OSHIRISHNING IQTISODIY TAHLILI
DOI:
https://doi.org/10.5281/zenodo.20259790Keywords:
kredit portfeli, kredit riski, tijorat banklari, problemali kreditlar, Basel III, risk monitoring, kredit scoring, moliyaviy barqarorlikAbstract
Mazkur maqolada tijorat banklarida kredit portfeli sifatini oshirishning iqtisodiy jihatlari va zamonaviy risk
boshqaruvi mexanizmlari tahlil qilindi. Tadqiqot davomida kredit portfeli sifati, problemali kreditlar ulushi, kapital yetarliligi
va kredit monitoring tizimlarining bank faoliyati samaradorligiga ta’siri o‘rganildi. Ekonometrik va taqqoslama tahlil usullari
asosida kredit portfelini diversifikatsiya qilish, raqamli monitoring tizimlarini joriy etish va risklarni baholashning zamonaviy
mexanizmlaridan foydalanish banklar moliyaviy barqarorligini oshirishda muhim ahamiyatga ega ekanligi asoslandi. Tadqiqot
natijalari asosida tijorat banklarida kredit portfeli sifatini yaxshilash bo‘yicha amaliy tavsiyalar ishlab chiqildi
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