TIJORAT BANKLARINING KREDIT PORTFELIDAGI MUAMMOLI KREDITLARNI KAMAYTIRISH YO‘LLARI (“O‘ZSANOATQURILISHBANK” ATB MISOLIDA)
Keywords:
Kalit so‘zlar: muammoli kreditlar, tijorat banklari, kredit portfeli, kredit risklari, O‘zsanoatqurilishbank, restrukturizatsiya, kredit sug‘urtasi, kredit siyosati, bank nazorati, xalqaro tajriba., Keywords: non-performing loans, commercial banks, credit portfolio, credit risk, O‘zsanoatqurilishbank, restructuring, credit insurance, credit policy, banking supervision, international experience.Abstract
Annotatsiya. Ushbu maqolada tijorat banklari kredit portfellarida yuzaga kelayotgan muammoli kreditlar (to‘lov muddati o‘tgan, shubhali va qaytmas qarzlar) holati o‘rganilgan. “O‘zsanoatqurilishbank” ATB misolida kredit portfeli tahlil qilinib, muammoli kreditlarning shakllanish sabablari va ularni kamaytirish mexanizmlari ko‘rib chiqilgan. Normativ-huquqiy hujjatlar, bank hisobotlari va xalqaro tajriba asosida, risklarni baholash tizimini kuchaytirish, kredit monitoringini raqamlashtirish, kredit sug‘urtasi va restrukturizatsiya kabi samarali yondashuvlar taklif etilgan. Tadqiqot natijalari O‘zbekiston bank sektorida kredit sifatini yaxshilash va moliyaviy barqarorlikni ta’minlashga xizmat qiladi.
Abstract. This article examines the issue of non-performing loans (NPLs) in the loan portfolios of commercial banks, focusing on the case of "O‘zsanoatqurilishbank" JSCB. The study analyzes the structure and causes of problematic loans and proposes effective solutions for reducing their volume. Based on regulatory documents, financial reports, and international practices, the paper suggests strengthening credit risk assessment systems, digitizing loan monitoring, introducing credit insurance, and applying restructuring mechanisms. The findings of the research aim to improve credit portfolio quality and support financial stability in Uzbekistan’s banking sector.
