In developed countries, by improving the practical foundations of the credit mechanism, the role of commercial banks in the development of the real sector of the economy, in ensuring the efficiency of the use of loans, and in the development of bank lending activities on the basis of innovations is ensured. The article reveals urgent problems related to the improvement of the practical foundations of the credit mechanism and develops scientific problems aimed at solving these problems.
This article examines the problematic situations that affect the lending processes of small business entities. Proportionate cases related to the systematic development features of the processes of increasing the efficiency of crediting of small business and private entrepreneurship activities in the regions have been studied. A scientific proposal and practical recommendations on the improvement of the territorial basis of the mechanism of crediting activities of small business subjects have been formed.
This article analyzed the composition of deposits in the banking system and their impact on financial stability. It studied how deposits formed by individuals and legal entities cause problems for banks in terms of liquidity, risks, and costs. During the study, the distribution of deposits between state-owned and private banks and their impact on the economy were considered. Practical proposals for sustainable development of the banking sector and effective management of deposit resources were developed in the article.
This article examines the concept and essence of Islamic finance, consistent with the principles of Sharia, and its practical application, the development of the Islamic economy, the donation of international financial institutions and Islamic banks in the formation of banking resources. The role and importance of the development of Islamic finance in the process of transformation of the financial and banking system are also considered. The perspective of the development of Islamic finance and its role in the development of the country's economy is considered. Suggestions and recommendations on the implementation of the principles of Islamic finance are given.
This article examines the concept and essence of retail business, retail lending and retail customer service, the role and importance of the implementation of social packages of services in the development of the country's economy, the donation of local and international financial institutions and foreign banks in the formation of banking resources. Moreover, the role and importance of the development of lending to retail customers, which is significant for a commercial bank, are considered. The perspective of the development of retail banking lending and its role in the development of the country's economy is considered. Suggestions and recommendations for improving retail lending are given
This article comprehensively covers issues related to improving the financing process for small and medium-sized businesses through bank loans. The research analyzes the role of commercial banks in lending to small and medium-sized businesses, existing problems, and advanced approaches to addressing them. Furthermore, the current state of financing mechanisms for small businesses in the banking system of Uzbekistan is studied, and directions for their modernization are justified based on foreign experience. The article puts forward practical proposals for improving bank credit policy, increasing the efficiency of credit resources, and implementing new mechanisms for financial support of business entities.
Investment loans of commercial banks are the most important source of long-term financial resources for industrial enterprises, which are considered the main branch of the economy, and are a necessary condition for the progressive and innovative development of the economy. This article proposes to introduce effective lending for investment projects into the lending activities of banks. Also, based on the study of factors influencing the investment policy of banks, relevant scientific conclusions and proposals have been developed.
In this scientific article, public-private partnership (PPP) projects that serve to ensure effective cooperation between the state and private sector, develop infrastructure, and improve the quality of public services are analyzed and projects planned to be implemented in the future are described.
The article examines the concept and essence of technical support, its role in evaluating promising projects, trends in the development of financing investment projects, issues of raising funds and factors influencing their timely development. The foreign experience of banks in attracting credit resources from international financial organizations has been studied. In addition, the possibilities of applying international experience in the field of technical evaluation of projects, ways of cooperation with international financial institutions such as the International Finance Corporation (IFC), the International Bank for Reconstruction and Development (IBRD), the European Bank for Reconstruction and Development (EBRD) and the Asian Development Bank (ADB) were considered.
The scientific article examines the factors affecting the liquidity of commercial banks during the current banking crisis. In this case, the bank's liquidity depends not only on the bank's internal but also external factors. Also, the rational allocation of resources from the point of view of generating income has a positive effect on the financial stability of banks, in particular, on their liquidity. At the moment, the low quality of loans allocated by banks and the increase in the volume of problem loans have a negative impact on bank liquidity.
