OSIYO MAMLAKATLARIDA KREDIT PORTFELI RISKINI BOSHQARISH AMALIYOTI
DOI:
https://doi.org/10.5281/zenodo.20926561Ключевые слова:
kredit portfeli, Osiyo mamlakatlari, MAS, FSC/FSS, PBOC, NFRA, RBI, Three Red Lines, IBC, NARCL, KAMCO, DSR, LTV, shadow banking, NPL, ESG, regulatory sandbox, MyData, AQR (Asset Quality Review).Аннотация
Ushbu ilmiy maqolada Osiyo mamlakatlarida kredit portfeli riskini boshqarish amaliyoti atroflicha qiyosiy
tahlil qilingan. Tadqiqotda Osiyo mintaqasining iqtisodiy xilma-xilligini hisobga olgan holda, ikkita yetuk regulyativ markaz
— Singapur (Monetary Authority of Singapore, MAS) va Janubiy Koreya (Financial Services Commission/Financial Supervisory
Service, FSC/FSS), shuningdek, davlat yo‘naltirilgan yirik bozorlar — Xitoy (People’s Bank of China va National
Financial Regulatory Administration), Hindiston (Reserve Bank of India, RBI), hamda gibrid yangi rivojlanayotgan bozorlar
— Indoneziya va Vyetnam tajribalari batafsil o‘rganilgan. Maqolada Xitoyning “Uchta Qizil Chiziq” (Three Red Lines)
qoidasi va shadow banking riskini boshqarish, Hindistonning IBC (Insolvency and Bankruptcy Code) hamda NARCL (“Bad
Bank”) amaliyoti, Janubiy Koreyaning DSR (Debt Service Ratio), LTV (Loan-to-Value) va “MyData” tashabbusi, Singapurning
ESG integratsiyasi va “Regulatory Sandbox” mexanizmlari tahlil qilingan. Tadqiqot natijalariga ko‘ra, Hindiston bank
tizimida agregat NPL koeffitsiyenti 2020-yildagi 8–9% dan 2025-yilda tarixiy minimumga tushgan; Janubiy Koreyaning uy
xo‘jaliklari qarzi YaIMga nisbati esa dunyo bo‘yicha eng yuqori ko‘rsatkichlardan biri sifatida qolmoqda. Maqolada KAMCO
(Korea Asset Management Corporation) va Xitoy davlat AMC’larining muammoli aktivlarni tozalashdagi tajribasi alohida
o‘rganilgan.
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