Abstract
Mazkur ilmiy maqolada tijorat banklarida muammoli kreditlarni boshqarish tizimining nazariy asoslari hamda uning bank tizimi barqarorligini ta’minlashdagi ahamiyati tahlil qilingan. Tadqiqot davomida muammoli kreditlarning iqtisodiy mohiyati, ularning vujudga kelish sabablari, kredit risklarini boshqarish mexanizmlari va zamonaviy risk-menejment yondashuvlari o‘rganildi. Shuningdek, xalqaro bank amaliyotida qo‘llanilayotgan muammoli kreditlarni boshqarish modellari ilmiy jihatdan tahlil qilinib, tijorat banklari faoliyatida samarali boshqaruv tizimini shakllantirish bo‘yicha nazariy xulosalar ishlab chiqildi. Tadqiqot natijalari bank kredit portfeli sifatini oshirish, moliyaviy barqarorlikni mustahkamlash hamda kredit risklarini kamaytirishga xizmat qiladi.
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