TIJORAT BANKLARIDA RISKLARNI BAHOLASHDAGI MUAMMOLARI VA ULARNI BARTARAF ETISH YOʻLLARI
DOI:
https://doi.org/10.5281/zenodo.21023894Abstract
Ushbu maqolada tijorat banklarida risklarni baholash jarayonidagi mavjud muammolar, xususan, muammoli kreditlar
(NPL) darajasining oshishiga olib keluvchi omillar kompleks tahlil qilingan. Tadqiqotda kredit riskini baholashda axborot asimmetriyasi,
qarz oluvchilarning moliyaviy holatini yetarli darajada tahlil qilmaslik, skoring modellari va ichki reyting tizimlarining nomukammalligi
hamda makroiqtisodiy omillar ta’siri asosiy muammo sifatida aniqlangan.
Keywords
kredit amaliyoti, tijorat banklari, kredit riski, garov siyosati, muammoli kreditlar, kredit monitoringi, skoring, restrukturizatsiya, xalqaro standartlarReferences
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