THE FUNDAMENTALS OF IMPROVING CREDIT SERVICES IN FINANCIAL INSTITUTIONS
Keywords:
Credit services. Financial institutions. Credit policy Risk management. Digital banking. Credit portfolio quality. Liquidity management. ustomer ationship. Foreign experience. Economic growth.Abstract
this article explores the economic and organizational foundations for improving credit services in financial institutions. It analyzes the main directions of credit system development and their role in ensuring economic stability. The study examines the credit policy of financial institutions, risk management mechanisms, and customer-oriented strategies. Based on international experience, the paper proposes methods for enhancing the efficiency and accessibility of credit services. The relationship between the quality of the credit portfolio and the level of liquidity in commercial banks is scientifically analyzed. The significance of implementing digital technologies in lending processes is emphasized. The author substantiates the factors that increase the efficiency of financial intermediation and accelerate economic growth. Recommendations are developed to strengthen the competitiveness of credit services in Uzbekistan’s financial market. As a result, it is concluded that the effective management of credit activities contributes to the sustainable development of the national economy.
