This article examines the regulatory and legal foundations of credit accounting in digital banks, mechanisms for managing credit risk, and the impact of modern digital technologies on the banking sector. The study analyses national legislation, international standards (Basel III, EBA guidelines), and global best practices to identify existing challenges in regulating digital lending processes. The findings reveal that the enhancement of regulatory frameworks is essential for improving transparency, information security, and the overall quality of bank credit portfolios.
| Mualliflar | Jumayeva Gulrux Jo‘raqulovna, Yusupov Otayor Otabekovich |
|---|---|
| Jurnal | «Инновацион иқтисодиёт» журнали |
| Nashr sanasi | 2026-07-03 |
| Jild | 50 |
| Son | 6 |
| Til | Ingliz |
digital banking, lending, regulatory framework, credit risk, fintech, digital transformation, цифровые банки, кредитование, нормативно-правовое регулирование, кредитный риск, финтех, цифровая трансформация, raqamli banklar, kreditlash, me’yoriy-huquqiy asoslar, kredit riski,, fintech, raqamli transformatsiya, bank nazorati.
The article analyzes strategies for transition to a “green” economy using developed and developing countries as examples. In addition, the southern regions of Uzbekistan were used as an example to assess the…
The article provides feedback on the prospects for the development of a green economy. It reflects models of green economy development, issues of efficient use of resources, principles of transition to a green economy…
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The article examines methodological foundations for improving fixed asset accounting in budget organizations. It identifies weaknesses in the current system and proposes an improved model that systematizes asset…
This article provides a comprehensive analysis of the scientific and methodological foundations for improving the lending system of manufacturing enterprises in Uzbekistan. The economic essence of the lending process…
This article analyzes the economic efficiency of regional railway transport services using the example of the Termez railway junction. An author's integral indicator was developed based on the Ryabtsev index.
The article discusses the economic issues of ensuring food security, food safety, measures taken to develop the food industry, attract investment funds to the sector, and support export activities.
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This article examines the organizational and legal foundations of the strategic development of commercial banks. In the context of the development of the digital economy, state support for the further development of the…
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