This study examines the mechanisms for improving loan portfolio quality and managing creditrisk in commercial banks under modern financial market conditions. The research focuses on analyzing theimpact of non-performing loans, capital adequacy, credit monitoring systems, and risk assessment mechanismson banking stability and operational efficiency. Using econometric and comparative analysis methods, thestudy evaluates the effectiveness of modern credit risk management tools, including credit scoring systems,Basel III standards, digital monitoring technologies, and artificial intelligence-based risk analysis. The findingsindicate that improving loan portfolio diversification, strengthening credit monitoring systems, and implementingdigital risk management mechanisms significantly reduce credit losses and enhance financial stability incommercial banks. Furthermore, the study demonstrates that banks utilizing automated risk assessment andreal-time monitoring systems achieve higher forecasting accuracy and better portfolio performance comparedto traditional banking approaches. Based on the research findings, practical recommendations are proposedfor strengthening loan portfolio quality and enhancing credit risk management systems in commercial banks
| Mualliflar | Turgunov , Nodirbek |
|---|---|
| Jurnal | Innovation science and technologiy |
| Nashriyot | Тошкент давлат иқтисодиёт университети |
| Nashr sanasi | 2026-05-01 |
| Jild | 2 |
| Son | 5 |
| Til | Ingliz |
| Ilmiy soha | Iqtisodiyot |
| DOI | 10.5281/zenodo.20275772 |
| Indeksga qo‘shilgan | 2026-08-26 |
DOI: 10.5281/zenodo.20275772 · Maqolaning asl sahifasi
loan portfolio quality, credit risk management, commercial banks, non-performing loans, Basel III, credit scoring, financial stability, risk monitoring, artificial intelligence, banking efficiency
| APA | Turgunov , Nodirbek (2026). IMPROVING LOAN PORTFOLIO QUALITY AND CREDIT RISK MANAGEMENT MECHANISMS. Innovation science and technologiy, 2(5). https://doi.org/10.5281/zenodo.20275772 |
|---|---|
| GOST (OAK) | Turgunov , Nodirbek IMPROVING LOAN PORTFOLIO QUALITY AND CREDIT RISK MANAGEMENT MECHANISMS // Innovation science and technologiy. – 2026. – T. 2, № 5. – DOI: 10.5281/zenodo.20275772. |
| MLA | Turgunov , Nodirbek. “IMPROVING LOAN PORTFOLIO QUALITY AND CREDIT RISK MANAGEMENT MECHANISMS.” Innovation science and technologiy, 2(5), 2026. https://doi.org/10.5281/zenodo.20275772 |
| Chicago | Turgunov , Nodirbek. “IMPROVING LOAN PORTFOLIO QUALITY AND CREDIT RISK MANAGEMENT MECHANISMS.” Innovation science and technologiy, 2(5) (2026). https://doi.org/10.5281/zenodo.20275772 |
| Harvard | Turgunov , Nodirbek (2026) ‘IMPROVING LOAN PORTFOLIO QUALITY AND CREDIT RISK MANAGEMENT MECHANISMS’, Innovation science and technologiy, 2(5). https://doi.org/10.5281/zenodo.20275772 |
| BibTeX | @article{turgunovnodirbek2026,
title = {IMPROVING LOAN PORTFOLIO QUALITY AND CREDIT RISK MANAGEMENT MECHANISMS},
author = {Turgunov , Nodirbek},
journal = {Innovation science and technologiy},
year = {2026},
volume = {2},
number = {5},
doi = {10.5281/zenodo.20275772},
url = {https://doi.org/10.5281/zenodo.20275772}
} |
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