Tijorat banklarida kredit risklarini boshqarishning nazariy yondashuvlari
Abstract
Mazkur tezisda tijorat banklarida kredit risklarini boshqarishning nazariy asoslari, kredit riskining iqtisodiy mohiyati, uni baholash va kamaytirish usullari tadqiq etilgan. Kredit riski tijorat banklari faoliyatidagi eng muhim moliyaviy risklardan biri bo‘lib, uning samarali boshqarilishi bankning moliyaviy barqarorligi, likvidligi va rentabelligini ta’minlashda muhim ahamiyat kasb etadi. Tadqiqotda kredit riskini boshqarishning klassik va zamonaviy yondashuvlari, jumladan, 5C modeli, kredit scoring, PD, LGD, EAD ko‘rsatkichlari, kredit portfelini diversifikatsiya qilish, garov ta’minoti, monitoring va stress-test usullari yoritilgan. Shuningdek, O‘zbekiston Respublikasi bank tizimida kredit portfeli va muammoli kreditlar dinamikasi tahlil qilinib, kredit risklarini boshqarishni takomillashtirish bo‘yicha takliflar ishlab chiqilgan.
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References
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