Keywords
Abstract
Mazkur tezisda tijorat banklari aktivlari sifatining iqtisodiy mazmuni, uni baholash mezonlari hamda banklarning moliyaviy barqarorligini ta’minlashdagi ahamiyati tadqiq etilgan. Bank aktivlari tarkibida kreditlar, investitsiyalar, qimmatli qog‘ozlar, banklararo mablag‘lar va boshqa moliyaviy aktivlarning sifati bankning daromadliligi, likvidligi va kapital yetarliligiga bevosita ta’sir ko‘rsatishi asoslab berilgan.
Tadqiqotda aktivlar sifatini baholashda muammoli kreditlar ulushi, kredit portfelining diversifikatsiya darajasi, ehtimoliy yo‘qotishlarni qoplash uchun shakllantirilgan zaxiralar, riskka tortilgan aktivlar, kapital yetarliligi va likvidlik ko‘rsatkichlaridan foydalanish masalalari ko‘rib chiqilgan. Shuningdek, kredit risklarini erta aniqlash, aktivlarni muntazam monitoring qilish, qarz oluvchilarning moliyaviy holatini baholash va muammoli aktivlarni qisqartirish bank barqarorligini ta’minlashning asosiy omillaridan ekanligi yoritilgan.
O‘zbekiston bank tizimining amaldagi ko‘rsatkichlari asosida aktivlar sifati va moliyaviy barqarorlik o‘rtasidagi o‘zaro bog‘liqlik tahlil qilinib, bank aktivlari sifatini yaxshilash bo‘yicha ilmiy-amaliy takliflar ishlab chiqilgan.
References
Omonov, A.A., Izbosarov, B.B. and Ghani, E.K. (2026) ‘Does Liquidity Risk Impact Asset Quality and Financial Stability? Evidence from Uzbekistan Commercial Banks’, Journal of Risk and Financial Management, 19(7),
Kholmamatov, F.K. (2023) ‘Analysis of the Financial Stability of the Banking System of the Republic of Uzbekistan’, Journal of International Finance and Accounting, 2023(1).
Alnabulsi, K., Kozarević, E. and Hakimi, A. (2023) ‘Non-Performing Loans as a Driver of Banking Distress: A Systematic Literature Review’, Commodities, 2(2), pp. 111–130. doi:10.3390/commodities2020007.
Vu, T.H. and Ngo, T.T. (2023) ‘Bank capital and bank stability: The mediating role of liquidity creation and moderating role of asset diversification’, Cogent Business & Management, 10(2), Article 2208425.
Gulati, R. (2023) ‘Beyond the Z-score: A novel measure of bank stability for effective policymaking’, Journal of Public Affairs, 23(4),
Nguyen, T.C. (2023) ‘Wholesale funding and bank stability: The impact of economic policy uncertainty’, Research in International Business and Finance, 65, Article 101990.
Trabelsi, E. and Ben Mansour, M. (2024) ‘Credit risk and Tunisian bank stability in the Covid-19 wave’, Journal of Economic Analysis, 3(2), p. 53.
European Central Bank (2023) Asset Quality Review: Phase 2 Manual. Frankfurt am Main: European Central Bank, Banking Supervision.
European Banking Authority (2020) Guidelines on Loan Origination and Monitoring. EBA/GL/2020/06. Paris: European Banking Authority.
Federal Deposit Insurance Corporation (2026) Risk Management Manual of Examination Policies. Washington, DC: FDIC. Section 3.1: Asset Quality and Section 3.2: Loans.