TIJORAT BANKLARIDA MUAMMOLI KREDITLARNI BOSHQARISH TIZIMINI TAKOMILLASHTIRISHNING INSTITUTSIONAL VA TASHKILIY MEXANIZMLARI
DOI:
https://doi.org/10.5281/zenodo.18912536Ключевые слова:
muammoli kreditlar, kredit portfeli sifati, kredit siyosati, risklarni boshqarish, restrukturizatsiya, bank barqarorligi, kredit monitoringi, erta ogohlantirish tizimi, kapitallashuv darajasiАннотация
Mazkur maqolada tijorat banklarida muammoli kreditlarni boshqarish samaradorligini oshirishning nazariyuslubiy
asoslari hamda amaliy mexanizmlari tahlil qilingan. Tadqiqotda kredit portfeli sifati, kredit siyosati elementlari va
risklarni boshqarish tizimi o‘rtasidagi o‘zaro bog‘liqlik tizimli yondashuv asosida o‘rganilgan. Muammoli kreditlar ulushining
ortishi banklarning likvidligi, kapitallashuv darajasi va moliyaviy barqarorligiga ta’sir etuvchi asosiy omillardan biri sifatida
baholangan. Shuningdek, kredit monitoringi, skoring modellari, restrukturizatsiya mexanizmlari hamda erta ogohlantirish
tizimlarining samaradorlik ko‘rsatkichlariga ta’siri ilmiy jihatdan asoslab berilgan. Tadqiqot natijasida muammoli kreditlarni
boshqarishda riskka yo‘naltirilgan kredit siyosatini takomillashtirish, portfel diversifikatsiyasini kuchaytirish hamda raqamli
nazorat mexanizmlarini joriy etish bo‘yicha ilmiy-amaliy takliflar ishlab chiqilgan
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