O‘ZBEKISTON RESPUBLIKASI BANK TIZIMIDA MUAMMOLI KREDITLARNI BOSHQARISH MEXANIZMLARINI TAKOMILLASHTIRISH
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https://doi.org/10.5281/zenodo.20658908##article.subject##:
muammoli kreditlar (NPL), kredit portfeli, risklarni boshqarish, bank tizimi barqarorligi, kredit sifati, proviziyalar, restrukturizatsiya, Basel III, moliyaviy nazorat, O‘zbekiston##article.abstract##
Ushbu ilmiy maqolada O‘zbekiston Respublikasi tijorat banklari kredit portfelida muammoli (ishonchsiz) kreditlarning
shakllanish sabablari, ularning miqdoriy va sifat ko‘rsatkichlari, shuningdek, ularni boshqarish mexanizmlarini takomillashtirish
yo‘nalishlari keng ko‘lamda tahlil qilinadi. Tadqiqot 2023–2025-yillar mobaynida O‘zbekiston Markaziy bankining rasmiy statistik
ma’lumotlari, Jahon banki va Xalqaro valyuta jamg‘armasining hisobotlari asosida olib borilgan. Muammoli kreditlarning umumiy
kredit portfelidagi ulushi, davlat va xususiy banklar o‘rtasidagi farqlar, zamonaviy risklarni boshqarish tizimlari va xalqaro tajriba
taqqoslab tahlil etilgan. Olingan natijalarga asosan, muammoli kreditlarni kamaytirish va bank tizimi barqarorligini mustahkamlash
bo‘yicha ilmiy asoslangan tavsiyalar ishlab chiqilgan
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