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Son 9 (2026)
Marketing

Ilmiy maqolalar

СОВЕРШЕНСТВОВАНИЕ КРЕДИТНОГО МОНИТОРИНГА И УПРАВЛЕНИЯ ЗАДОЛЖЕННОСТЬЮ В БАНКАХ

DOI 10.67668/mj/2026iss9/2128 Betlar 784-794

Nashr qilingan 2026-09-07

Mualliflar
Баймуратова Зина Акилбековна
Tashkilot
Каракалпакский государственный университет
Marketing jurnali — 2026-yil sentabr, 9-son
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Annotatsiya

Maqolada tijorat banklarida kredit monitoringi va qarzdorlikni boshqarishni takomillashtirishning zamonaviy yondashuvlari tadqiq etildi. Kredit portfeli sifati yomonlashuvining asosiy omillari, kredit risklarini erta aniqlash usullari, monitoringning raqamli vositalari hamda moliyaviy qiyinchiliklarga duch kelgan qarz oluvchilar bilan banklarning oʻzaro hamkorlik mexanizmlari koʻrib chiqildi. Oʻzbekiston Respublikasi Markaziy bankining statistik maʼlumotlari asosida kredit portfeli va muammoli kreditlar dinamikasi tahlil qilindi. 2026-yil 1-iyul holatiga koʻra bank tizimidagi kreditlar hajmi 642,8 trln soʻmni, muammoli kreditlar hajmi esa 22,9 trln soʻmni yoki kredit portfelining 3,6 foizini tashkil etdi [14]. Natijada qarz oluvchining toʻlov qobiliyatini baholash, erta ogohlantirish tizimi, qarzdorlarni segmentlash, qarzni qayta tuzish va undirish natijalarini nazorat qilishni yagona tizimga birlashtiruvchi qarzdorlikni boshqarishning integratsiyalashgan modeli taklif etildi. Ushbu model banklarga muammoli qarzdorlik bilan ishlashni muntazam va asoslangan boshqaruv sikliga aylantirish imkonini beradi.

Kalit so'zlar

kredit monitoringi, qarzdorlikni boshqarish, kredit riski, muammoli kreditlar, kredit portfeli, qayta tuzish, qarz oluvchining toʻlov qobiliyati, banklarni raqamlashtirish, erta ogohlantirish tizimi, tijorat banklari

Foydalanilgan adabiyotlar

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