O'ZBEKISTON BANKLARIDA MUAMMOLI KREDITLARNI O'NDIRISHNI YANGI BOSQICHGA OLIB CHIQISH
Ключевые слова:
Kalit so‘zlar: Muammoli kreditlar, O‘zbekiston banklari, moliyaviy barqarorlik, iqtisodiy samaradorlik, kredit portfeli, innovatsion boshqaruv, bank tizimini rivojlantirish., Keywords: Non-performing loans, Uzbekistan banks, financial stability, economic efficiency, credit portfolio, innovative management, banking system development.Аннотация
Annotatsiya. Mazkur maqolada O‘zbekiston banklarida muammoli kreditlarni o‘ndirish jarayonini yangi bosqichga olib chiqishda foydalaniladigan zamonaviy yondashuvlar va usullar tahlil qilingan. Muammoli kreditlarni boshqarish banklarning moliyaviy barqarorligi va iqtisodiy samaradorligini oshirishga xizmat qiluvchi muhim ko‘rsatkichlar asosida amalga oshiriladi. Maqolada kreditlarni o‘ndirish jarayonida qo‘llaniladigan asosiy mezonlar, ularning amaliy ahamiyati hamda innovatsion tahliliy usullarining afzalliklari o‘rganilgan. Tadqiqot davomida muammoli kreditlarni kamaytirish uchun samarali moliyaviy boshqaruv, zamonaviy texnologiyalarni joriy qilish hamda muammoli qarzdorlikni oldini olish bo‘yicha taklif va tavsiyalar ishlab chiqilgan. Ushbu tadqiqot natijalari bank tizimini rivojlantirish va kredit portfelining sifatini yaxshilashga qaratilgan strategik qarorlar qabul qilishda amaliy qo‘llanma sifatida foydalanilishi mumkin.
Abstract. This article analyzes modern approaches and methods used to elevate the process of recovering non-performing loans (NPLs) in Uzbekistan's banks to a new level. Managing non-performing loans is based on key indicators that contribute to enhancing the financial stability and economic efficiency of banks. The article examines the main criteria applied in the loan recovery process, their practical significance, and the advantages of innovative analytical methods. The study provides recommendations for reducing non-performing loans through effective financial management, the introduction of modern technologies, and measures to prevent problematic debts. The results of this study can serve as a practical guide in making strategic decisions aimed at developing the banking system and improving the quality of the credit portfolio.
