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Tijorat banklarida kredit amaliyotini takomillashtirish istiqbollari

Author

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  • Mirodil Xolmatov

Abstract

Ushbu maqola tijorat banklarida kredit amaliyotini takomillashtirish istiqbollari mavzusini o‘rganadi. Kreditoperatsiyalari banklarning moliyaviy faoliyatida muhim o‘rin tutadi, chunki ular bankning daromadlarini shakllantiradihamda iqtisodiyotni rivojlantirishda muhim rol o‘ynaydi. Hozirgi kunda tijorat banklarining kredit portfeli bir nechtaomillarga ta'sir qilishi mumkin, iqtisodiy o‘zgarishlar, siyosiy barqarorlik va texnologik yangiliklar shular jumlasidandir.Maqolada banklarning kredit strategiyalarini takomillashtirishga qaratilgan yangi yondashuvlar va metodlar, masalan,raqamli texnologiyalar, big data va sun'iy intellektning kredit amaliyotida qo‘llanilishi ko‘rib chiqiladi. Shuningdek,risklarni boshqarish va mijozlar bilan munosabatlarni yaxshilash kabi omillar ham tahlil qilinadi. Kredit amaliyotlarinitakomillashtirish, banklarning samaradorligini oshirishga, foydali va barqaror kreditlar berishga, shuningdek, moliyaviybarqarorlikni ta'minlashga yordam beradi. Maqolada, shuningdek, kredit amaliyotlaridagi yangi metodlarning tijoratbanklarining bozor raqobatbardoshligini oshirishdagi rolini ko‘rsatadi.

Suggested Citation

  • Mirodil Xolmatov, 2025. "Tijorat banklarida kredit amaliyotini takomillashtirish istiqbollari," GREEN ECONOMY AND DEVELOPMENT, "Ma'rifat-Print-Media" LLC, Tashkent State University of Economics, vol. 3(1), January.
    • Handle: RePEc:teu:ged000:v:3:y:2025:i:1:id:4289
    DOI: 10.5281/zenodo.14778028
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