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Annotatsiya
Mazkur maqolada tijorat banklarida muammoli kreditlarni boshqarishning zamonaviy strategiyalari va ularni takomillashtirish yo‘nalishlari tadqiq etilgan. Tadqiqotda O‘zbekiston bank tizimida kredit portfeli va muammoli kreditlar dinamikasi tahlil qilinib, kredit risklarini erta aniqlash, qarzdorlarni segmentlash, restrukturizatsiya, raqamli monitoring va undirish mexanizmlarining samaradorligi baholangan. 2026-yil 1-iyul holatiga bank tizimida jami kredit portfeli 642,8 trln so‘mni, muammoli kreditlar 22,9 trln so‘mni va ularning ulushi 3,6 foizni tashkil etgan. Tadqiqot natijasida NPLlarni boshqarishda profilaktik, diagnostik, restrukturizatsion va undirish bosqichlarini yagona boshqaruv tizimiga birlashtirish taklif etilgan. Muallif tomonidan banklarda “erta ogohlantirish – segmentatsiya – individual yechim – monitoring – qayta baholash” tamoyiliga asoslangan strategik mexanizm ishlab chiqilgan.
Adabiyotlar ro‘yxati
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Mualliflik huquqi (c) 2026 Baymuratova, Z.A. (Muallif)