Ключевые слова
Аннотация
O‘zbekiston Respublikasi bank tizimi misolida, xususan “O‘zsanoatqurilishbank” ATB faoliyati asosida tahlil qilinadi. Tadqiqotda 2019–2024-yillar davrida bank kredit portfelining tarkibi, muammoli kreditlar (NPL) darajasi, zaxiralar ulushi hamda rentabellik ko‘rsatkichlari (ROA, ROE) o‘rtasidagi o‘zaro bog‘liqlik o‘rganilgan.
Tahlillar natijasida aniqlanishicha, kredit portfeli sifati oshgani sari bankning moliyaviy barqarorlik indikatorlari ijobiy yo‘nalishda o‘zgaradi, ya’ni muammoli kreditlar ulushi kamayishi rentabellik va kapital yetarliligini oshiradi. Tadqiqot natijalari asosida muallif banklarda kredit risklarini boshqarishning zamonaviy usullarini — “credit scoring” tizimlari, IFRS 9 Expected Credit Loss modeli va raqamli kredit monitoring platformalarini joriy etishni taklif etadi. Ushbu chora-tadbirlar tijorat banklari moliyaviy barqarorligini mustahkamlash hamda kredit portfeli sifatini yaxshilashga xizmat qiladi.
Библиографические ссылки
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