Articles
| Open Access | IMPROVING CREDIT RISKS IN UZBEKISTAN BANKS
Djafarova Shakhlo Akhmadaliyevna,Botaboyev Mehriddin Shakhobidinovich , Graduate student of the Higher School of Business and Entrepreneurship under the Cabinet of Ministers of the Republic of Uzbekistan,Scientific leader Ph.-M.Ph.D. leading researcher of the Research Center of the State Asset Management Agency of the Republic of UzbekistanAbstract
Loans occupy the largest share in the structure of assets of commercial banks in Uzbekistan, so the liquidity and financial stability of banks directly depend on the quality of the loan portfolio. In turn, improving the quality of the loan portfolio necessitates the improvement of credit risk management practices. The article identifies topical problems associated with improving the practice of credit risk management and develops scientific proposals aimed at solving these problems.
Keywords
commercial bank, loan, loan portfolio, credit risk, reserve, interest rate, interest income, inflation, base rate, devaluation.
References
Decree of the President of the Republic of Uzbekistan dated May 12, 2020 No. PF-5992 "On the strategy of reforming the banking system of the Republic of Uzbekistan for 2020-2025"//Legal documents national data base, 13.05.2020, No. 06/20/5992/0581; National database of legislative information, 18.10.2021, No. 06/21/6325/0972; 12/30/2021, No. 06/21/42/1224, 03/18/2022, No. 06/22/89/0227; 10.06.2022, No. 06/22/152/0507; 04/27/2023, No. 06/23/62/0232; 07.07.2023, No. 06/23/108/0460.
Sokolinskaya N. E. Problemy management of credit portfolio and modern conditions//Bankovskoe delo. - Moscow, 1999. - #9. - S. 18–19.
Sinky Dj. Financial management and commercial banking and industry financial management. Per. English - M.: Alpina Publisher, 2017. - S. 485 - 486.
Юдина И. Н. Банковская система в развивающихся экономиках: опыт становления, развития и кризисов. Монография. – М.: ИНФРА-М, 2013. – С. 230–231.
Усоскин В. М. Современный коммерческий банк: управление и операции. – М.:ЛЕНАНД, 2019. – С. 218.
Mian A., Rao K., Sufi A. Household Balance Sheets, Consumption, and the Economic Slump//Quarterly Journal of Economics. – 2013. – 128(4). – pp. 1687 – 1726.
Xolmamatov F. K. Tijorat banklarining kreditlash amaliyotini takomillashtirish. I. f.b.f.d. diss. avtoref. – Toshkent, 2019. – B. 25.
Abdullayeva Sh. Z. Bank risklari sharoitida tijorat banklarnning kredit portfelini diversifikatsiyalash. I. f.d. ilm. dar. ol. uch. taqd. et. diss. avtoref. – Toshkent, 2000. – 43 b.
Tijorat banklarining muammoli kreditlari. 2022-yil 1-yanvar holatiga ma’lumot//www.cbu.uz (O‘zbekiston Respublikasining Markaziy banki).
Isakov J. Y. Xizmat ko‘rsatish sohasini rivojlantirishda kredit samaradorligini oshirish. I. f.d. ilm. dar. ol. uch. taqd. et. diss. avtoref. – Toshkent, 2016. – 28 b.
Article Statistics
Downloads
Copyright License
This work is licensed under a Creative Commons Attribution 4.0 International License.