This article highlights the factors contributing to the emergence of non-performing loans in commercial banks and their impact on the quality of bank assets. The study systematically analyzes the micro and macro factors leading to the formation of non-performing loans. In addition, strategies aimed at the effective management of non-performing loans and the mitigation of their negative consequences are examined. The article emphasizes that the increase in non-performing loans directly undermines the financial stability and profitability of banks. Therefore, the role of specialized departments, the assessment of borrowers’ financial condition, and restructuring mechanisms are of crucial importance in managing such loans.
| Mualliflar | Salixova , Go‘zal, Салихова , Гузал, Salixova , Go‘zal |
|---|---|
| Jurnal | Иқтисодий тараққиёт ва таҳлил |
| Nashr sanasi | 2025-10-31 |
| Jild | 3 |
| Son | 10 |
| Betlar | 184-189 |
| Til | O‘zbek |
| DOI | 10.60078/2992-877x-2025-vol3-iss10-pp184-189 |
DOI: 10.60078/2992-877x-2025-vol3-iss10-pp184-189 · Maqolaning asl sahifasi
non-performing loans, commercial banks, credit risk, loan portfolio, проблемные кредиты, коммерческие банки, кредитный риск, кредитный портфель, muammoli kreditlar, tijorat banklari, kredit riski, kredit portfeli
The article reveals the scientific and methodological foundations for implementing innovative activities in the service processes of telecommunication enterprises. It analyzes how, under the conditions of globalization…
This article analyzes the economic efficiency of the railway transport system, its current state, existing problems, and ways to eliminate them. The role of the transport system in the national economy, the need for its…
The article analyzes the sources of revenue of the state and local budgets, the changes in their relative proportions, and their share in the structure of the state budget. The dynamics of changes in real estate values…
This article examines the mechanisms for implementing the "Smart Electronic" platform for the effective organization of the commercialization processes of the digital services market in the region's industry. In the…
This scientific thesis explores the theoretical foundations of small business and private entrepreneurship, their role in economic development, and the directions of their growth under modern conditions. The essence and…
This article is devoted to improving the methodology for applying artificial intelligence (AI) systems in order to achieve sustainable economic growth in the conditions of Uzbekistan. The main goal of the research is to…
This article analyzes the institutional aspects of corporate governance systems in mitigating corruption risks in state-owned enterprises. Based on international experience including OECD principles, ESG indicators, and…
This article analyzes the development indicators of small business and entrepreneurship in the economy of Uzbekistan. The analysis reveals problems such as imbalances in financing small business activities, a decline in…
This article analyzes the theoretical foundations of innovative development in industrial enterprises. Innovation plays a vital role in increasing growth rates and competitiveness in an industry. The article examines…
This article comprehensively covers issues related to improving the financing process for small and medium-sized businesses through bank loans. The research analyzes the role of commercial banks in lending to small and…