TIJORAT BANKLARIDA QARZ OLUVCHILARNING TO‘LOVGA LAYOQATLILIGINI BAHOLASHNING NAZARIY-USLUBIY ASOSLARI
DOI:
https://doi.org/10.5281/zenodo.21515058Keywords:
tijorat banki, kreditga layoqatlilik, kredit riski, kredit skoringi, moliyaviy ko‘rsatkichlar, nomoliyaviy ko‘rsatkichlar, ehtimoliy defolt (Probability of Default – PD), riskga asoslangan kreditlash.Abstract
Kreditga layoqatlilikni baholashning iqtisodiy mohiyati, tijorat banklari amaliyotida qo‘llaniladigan an’anaviy
va zamonaviy yondashuvlar, shuningdek, moliyaviy hamda nomoliyaviy ko‘rsatkichlarning kredit riskini baholashdagi
ahamiyati tahlil qilingan. 5C va CAMPARI tamoyillari, kredit skoringi, ehtimoliy defolt modeli (Probability of Default – PD)
hamda raqamli texnologiyalar asosidagi baholash usullarining afzalliklari yoritilgan. Tadqiqot natijalari asosida moliyaviy
va nomoliyaviy ko‘rsatkichlarni integratsiyalashga tayangan kreditga layoqatlilikni baholash modeli taklif etilgan. Taklif etilgan
model tijorat banklarida kredit riskini yanada aniq baholash, kredit portfeli sifatini oshirish hamda riskga asoslangan
kreditlash amaliyotini takomillashtirishga xizmat qiladi.
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