TIJORAT BANKLARIDA KREDIT RISKI VA UNI BOSHQARISH USULLARI
DOI:
https://doi.org/10.55439/INS/vol1_iss6/105##article.subject##:
Risk, kredit riski, kredit portfel, bozor riski, muammoli kredit (NPL), diversifikatsiya.##article.abstract##
Maqolada tijorat banklaridagi kredit riskining muhim jihatlariga qaratilgan va uni samarali boshqarish uchun qo‘llaniladigan turli usullarni o‘rganadi. Qarz oluvchilarning moliyaviy majburiyatlarini bajarmagan kelib chiqadigan kredit riski banklarning barqarorligi va rentabelligiga jiddiy tahdid soladi. Tijorat banklari tomonidan kredit riskini boshqarish uchun qo‘llaniladigan ko‘plab strategiya va vositalarni o‘rganadi. Umuman olganda, ushbu maqola tijorat banklarida kredit riskining ko‘p qirrali tabiati to‘g‘risida tushunchalarni beradi va ushbu keng tarqalgan risk omilini samarali boshqarish va yumshatish, shu bilan ularning moliyaviy sog‘lig‘ini saqlash va barqaror o‘sishni ta’minlash uchun banklar tomonidan qo‘llaniladigan turli xil usullar haqida ma’lumot beradi.
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