TIJORAT BANKLARIDA KREDITLARNING SIFATI PASAYISHI: SABABLAR VA OLDINI OLISH CHORALARI
Keywords:
This research examines the problem of declining credit portfolio quality in commercial banks, its root causes and preventive measures. Credit risk management is analyzed as the most critical aspect of modern banking operations. The study evaluates internal and external factors affecting credit quality, weaknesses in debt management systems, impacts of macroeconomic changes and the role of technological innovations. Practical recommendations are provided for reducing credit risk, monitoring debts and restructuring problematic loans.Abstract
Ushbu tadqiqot ishida tijorat banklarida kredit portfelining sifat pasayishi
muammosi, uning asosiy sabablari va oldini olish choralari chuqur tahlil qilingan.
Kredit risklari boshqaruvi zamonaviy bank faoliyatining eng muhim jihati sifatida
ko'rib chiqilgan. Tadqiqotda kredit sifatiga ta'sir etuvchi ichki va tashqi omillar,
qarzdorlik boshqarish tizimining zaif tomonlari, makroiqtisodiy o'zgarishlarning ta'siri
hamda texnologik innovatsiyalar rolini baholanadi. Ishda kredit riskini kamaytirish,
qarzdorliklarni monitoring qilish va muammoli kreditlarni qayta ishlash bo'yicha
amaliy tavsiyalar berilgan. Kredit operatsiyalarida huquqiy-me'yoriy bazani
takomillashtirish, bank xodimlarining malakasini oshirish va zamonaviy tahlil
usullarini joriy etish zaruriyati asoslantirilgan.
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