TIJORAT BANKLARIDA KREDITLASH SAMARADORLIGINI BAHOLASH VA OSHIRISH MEXANIZMLARI
DOI:
https://doi.org/10.5281/zenodo.23278022Abstract
Mazkur maqolada O‘zbekiston tijorat banklarida kreditlash samaradorligini baholash va uni oshirish mexanizmlari tahlil qilingan. Tadqiqotda Markaziy bankning 2023–2026-yillardagi rasmiy statistik ma’lumotlaridan foydalanilib, kredit portfeli, depozitlar, muammoli kreditlar, kredit-depozit nisbati hamda banklarning rentabellik ko‘rsatkichlari o‘rganildi. Tahlil natijalari kreditlash hajmining barqaror o‘sishi bilan bir qatorda, kredit portfeli sifatini nazorat qilish va risklarni boshqarish mexanizmlarini takomillashtirish zarurligini ko‘rsatdi. Muallif tomonidan kreditlash samaradorligini oshirish uchun raqamli skoring, erta ogohlantirish tizimi, portfel diversifikatsiyasi va natijaga yo‘naltirilgan monitoring mexanizmlarini integratsiyalash taklif etiladi.Keywords
tijorat banklari, kreditlash, kredit portfeli, kredit samaradorligi, NPL, kredit riski, bank rentabelligi, kredit-depozit nisbati, raqamli skoringReferences
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