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Abstract
Muammoli kredit (NPL) — bu kredit bo‘lib, unda qarzdor belgilangan muddat ichida, odatda 90 kun yoki undan ko‘proq vaqt davomida kerakli to‘lovlarni amalga oshira olmaydi. NPLlar banklar va moliyaviy tashkilotlar uchun jiddiy muammo bo‘lib, ular katta moliyaviy yo‘qotishlarga olib kelishi va moliya tizimining umumiy barqarorligiga ta'sir ko‘rsatishi mumkin.References
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