PORTFOLIO OPTIMIZATION OF COMMERCIAL BANK CREDITS:  A LITERATURE REVIEW

Xushnud Ziyodilloyev

doi:10.47390/SPR1342V3SI8Y2023N14

Mualliflar

Xushnud Ziyodilloyev

DOI:

https://doi.org/10.47390/SPR1342V3SI8Y2023N14

Kalit so'zlar:

tijorat bankari, kredit, kredit portfeli, optimallashtirish, risklar, adabiyotlar tahlili.

Annotatsiya

Ushbu maqolada tijorat banklarining kredit portfelini optimallashtirish masalalari koʻrib chiqilib, bank sektorining samaradorligiga alohida e’tibor qaratilgan. Ipoteka obligatsiyalari inqirozi natijasida banklar moliyaviy resurslarni taqsimlash va risklarni baholashda ehtiyotkorona munosabatda boʻlishdi. Kredit portfelining samaradorligi va sifatini baholash kredit operatsiyalarining rolini, kredit salohiyatidan unumli foydalanishni, kreditlash operatsiyalarining tavakkalchilik darajasini, foiz stavkalarini tahlil qilish, kreditning rentabelligi, foiz stavkalari va muddati oʻtgan kreditlarni aniqlashda muhim rol oʻynaydi. Oʻzbekiston bank tizimidagi optimal kredit portfeli iqtisodiy sharoit, tavakkalchilikka chidamlilik, tartibga solish va qarz oluvchilarning kreditga layoqatliligi kabi omillarga bogʻliq. Umuman olganda, Oʻzbekiston banklari uchun maqbul kredit portfeli yaxshi diversifikatsiyalangan, mutanosib va mamlakat iqtisodiyotini rivojlantirish ustuvor yoʻnalishlariga mos boʻlishi kerak.

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