Keywords
Abstract
Mazkur maqolada tijorat banklarining kredit portfeli tarkibida muammoli kreditlar (NPL – Non-Performing Loans) darajasini kamaytirishning samarali yo‘llari “Trastbank” XAB misolida tahlil qilingan. Tadqiqotda muammoli kreditlarning shakllanish sabablari, ularning bank faoliyati rentabelligiga ta’siri hamda ularni bartaraf etish mexanizmlari chuqur o‘rganilgan. Shuningdek, “Trastbank”da kredit risklarini boshqarish, qarz oluvchilarni baholash tizimini raqamlashtirish va kredit portfelini diversifikatsiya qilish orqali muammoli kreditlarni qisqartirish tajribasi tahliliy jihatdan asoslab berilgan. Tadqiqot natijalariga ko‘ra, tijorat banklarida kredit monitoringi, garov qiymatini qayta baholash hamda kredit tarixini tahlil qilish mexanizmlarini takomillashtirish orqali kredit portfeli sifati va bank barqarorligini oshirish mumkinligi aniqlangan.
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