(untitled) (Лучшие интеллектуальные исследования, 2025)
Annotatsiya. Ushbu maqolada bank amaliyotida depozit va kredit operatsiyalarining ahamiyati hamda ularni samarali tashkil etish yo’llari tahlil qilingan. Ayniqsa, “Mikrokreditbank” ATB Buxoro viloyati filiali misolida ushbu operatsiyalarning amaliy jihatlari, mavjud muammolar va ularni hal etish bo’yicha takliflar ko’rib chiqilgan. Maqolada bankning mijozlar bilan ishlash jarayonida uchrayotgan muammolarni bartaraf etish, kredit portfelini yaxshilash va depozit resurslarini jalb etishni kengaytirish masalalariga alohida e’tibor qaratilgan. Shuningdek, ilg’or xalqaro tajribalar asosida milliy bank tizimidagi amaliyotni takomillashtirish bo’yicha tavsiyalar ishlab chiqilgan. Abstract. This article analyzes the importance of deposit and credit operations in banking practice and ways to organize them effectively. In particular, on the example of the branch of the Bukhara region of the ATB” Microkreditbank", practical aspects of these operations, existing problems and proposals for their solution were considered. The article pays special attention to the issues of eliminating the problems encountered in the process of working with customers of the bank, improving the loan portfolio and expanding the attraction of deposit resources. Recommendations for improving practices in the national banking system have also been developed based on Advanced International experiences.