The article examines the advanced foreign experience in the effective management of commercial banks’ loanportfolios is analyzed, in particular, it examines the best practices used by commercial banks in developed countries,including a number of efficient strategies, technologies, and methodologies such as the automated credit risk assessmentsystem (“credit scoring system”), deep diversification, Internal Ratings-Based Approach, stress testing practices, loanrepackaging and securitization, as well as the opportunities offered by digitalization and “fintech” technologies, based onthe analysis, relevant conclusions and recommendations for their implementation have been developed
| Mualliflar | Yusupov , Shaxzod |
|---|---|
| Jurnal | Innovation science and technologiy |
| Nashr sanasi | 2025-10-01 |
| Jild | 1 |
| Son | 10 |
| Til | Ingliz |
| DOI | 10.5281/zenodo.17477347 |
DOI: 10.5281/zenodo.17477347 · Maqolaning asl sahifasi
loan, credit policy, loan portfolio, diversification, credit scoring system, Internal Ratings-Based Approach, loan repackaging, loan securitization, lending strategy, credit rating
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