TRANSFORMATSIYALASH JARAYONIDA TIJORAT BANKLARI KREDITLASH AMALIYOTINING XORIIY TAJRIBASI
DOI:
https://doi.org/10.5281/zenodo.18034512Ключевые слова:
tijorat banklari, kreditlash amaliyoti, transformatsiya jarayoni, xorijiy tajriba, kredit riski, garov siyosati, kredit skoringi, raqamli bank xizmatlari, open banking, kredit byurolari, risklarni boshqarish, bank tizimi modernizatsiyasiАннотация
Mazkur maqolada iqtisodiyotning transformatsiyalash jarayonida tijorat banklari kreditlash amaliyotining
takomillashuvi va uni rivojlantirishda xorijiy mamlakatlar tajribasining ahamiyati tahlil qilingan. Rivojlangan davlatlar bank
tizimida kredit risklarini boshqarish, garov siyosatini liberallashtirish, kredit skoringi va raqamli texnologiyalarni joriy etish
orqali kredit portfeli sifatini oshirishda qo‘llanilayotgan zamonaviy yondashuvlar o‘rganildi
Библиографические ссылки
Mishkin F.S. (2019). The Economics of Money, Banking, and Financial Markets. Pearson Education.
Basel Committee on Banking Supervision (2017). Basel III: Finalising Post-Crisis Reforms. Bank for International
Settlements.
Stiglitz J.E. & Weiss A. (1981). Credit Rationing in Markets with Imperfect Information. American Economic Review,
(3), 393-410
Shin H.S. (2013). Procyclicality and the Search for Early Warning Indicators. IMF Economic Review, 61(1), 119-152.
Carletti A. (2008). Competition and Regulation in Banking. In A. Berger P. Molyneux & J. Wilson (Eds.), The Oxford
Handbook of Banking. Oxford University Press.
Federal Reserve System. (2023). Federal Reserve Supervision Manual. Washington, D.C.
U.S. Small Business Administration (SBA). (2022). Small Business Lending Statistics Report. Washington, D.C.
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