TIJORAT BANKLARIDA MUAMMOLI KREDITLAR YUZAGA KELISHIGA TA’SIR ETUVCHI OMILLARNING NAZARIY ASOSLARI
DOI:
https://doi.org/10.60078/2992-877X-2025-vol3-iss10-pp184-189Annotasiya
Mazkur maqolada tijorat banklarida muammoli kreditlarning yuzaga kelish omillari hamda ularning bank aktivlari sifatiga ta’siri yoritilgan. Tadqiqot davomida muammoli kreditlarning shakllanishiga olib keluvchi mikro va makro omillar tizimli ravishda tahlil qilindi. Shuningdek, muammoli kreditlarni samarali boshqarish va ularning salbiy oqibatlarini kamaytirishga qaratilgan strategiyalar ko‘rib chiqildi. Maqolada ta’kidlanishicha, muammoli kreditlarning o‘sishi banklarning moliyaviy barqarorligi va rentabelligiga bevosita salbiy ta’sir ko‘rsatadi. Shu bois, ularni boshqarishda maxsus bo‘linmalar faoliyati, qarz oluvchilar moliyaviy holatini baholash va qayta restrukturizatsiya kabi usullar muhim ahamiyat kasb etadi.
Kalit so‘zlar:
muammoli kreditlar tijorat banklari kredit riski kredit portfeliBibliografik manbalar
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