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Abstract
Mazkur maqolada bank tizimini transformatsiyalash jarayonida kredit portfeli sifatini oshirishning nazariy va amaliy jihatlari chuqur tahlil qilinadi. Banklar faoliyatini raqamlashtirish, risklarni boshqarish tizimlarini takomillashtirish, kreditlashda skoring va reyting modellari, shuningdek, xalqaro prudensial me’yorlar (Basel II–III)ni joriy etish kredit portfelining barqarorligiga ta’sir etuvchi asosiy omillar sifatida yoritiladi. Tadqiqotda muammoli kreditlar ulushini kamaytirish, kredit monitoringini kuchaytirish, diversifikatsiya va stress-test mexanizmlaridan samarali foydalanish orqali kredit portfeli sifatini oshirish yo‘llari asoslab beriladi. Shuningdek, bank transformatsiyasi sharoitida kredit siyosatini optimallashtirish va institutsional boshqaruvni kuchaytirish bo‘yicha ilmiy-amaliy takliflar ishlab chiqiladi.
References
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