XORIJIY MAMLAKATLARDA KREDIT PORTFELI SIFATINI OSHIRISH TAJRIBASI VA UNI BOSHQARISH SAMARADORLIGI
DOI:
https://doi.org/10.5281/zenodo.18514416Ключевые слова:
kredit portfeli, bank risklari, kredit risklari, risk-menejment, kredit portfelini boshqarish, bank barqarorligi, xorijiy bank tajribasi, muammoli kreditlar, moliyaviy samaradorlikАннотация
Mazkur maqolada xorijiy mamlakatlar bank amaliyotida kredit portfeli sifatini oshirish va uni samarali
boshqarish bo‘yicha shakllangan ilg‘or tajribalar tahlil qilingan. Xususan, kredit portfeli sifatiga ta’sir etuvchi asosiy
omillar, kredit risklarini boshqarish mexanizmlari hamda ularning bank barqarorligi va moliyaviy samaradorlikka
ta’siri ilmiy jihatdan yoritib berilgan. Tadqiqot davomida rivojlangan mamlakatlar bank tizimida qo‘llaniladigan kredit
portfelini diversifikatsiyalash, risklarni aniqlash va baholash, muammoli kreditlarni kamaytirish bo‘yicha yondashuvlar
o‘rganilgan. Shuningdek, kredit portfelini boshqarishda qo‘llaniladigan normativ-huquqiy va institutsional mexanizmlar
umumlashtirilgan. Maqolada xorijiy tajriba asosida kredit portfeli sifatini oshirishning ustuvor yo‘nalishlari aniqlanib, ularni
milliy bank amaliyotiga tatbiq etish bo‘yicha ilmiy xulosalar keltirilgan
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