Maqolada muddati oʻtgan qarzlari boʻlgan banklarning samaradorligini oshirish masalalari koʻrib chiqiladi. Muammoli kreditlar xavfini kamaytirish, ularni yuzaga keltiruvchi omillarni bartaraf etish va kredit portfelini yaxshilashning eng samarali usullari aniqlangan. Shuningdek, kredit portfelidagi mavjud muammoli kreditlar tahlili oʻtkazilib, ularni bartaraf etish yuzasidan amaliy takli flar berildi.
| Mualliflar | Jumanov Eshmamat Turdiyevich, Aslonov Muhammad Tosh oʻgʻli, Ergashev Mirjon Yorqin oʻgʻli |
|---|---|
| Jurnal | Marketing |
| Nashr sanasi | 2025-03-28 |
| Son | 3 |
| Til | O‘zbek |
| DOI | 10.67668/mj/2025iss3/440 |
DOI: 10.67668/mj/2025iss3/440 · Maqolaning asl sahifasi
bank, loan, lending, borrower, overdue debt, problem loan, loan monitoring, non -performing loan. 318, банк, кредит, кредитование, заемщик, просроченный долг, проблемный кредит, мониторинг кредита, неработающий кредит. Annotation The article considers the issues of increasing the efficiency of banks with overdue debts. The most effective methods of reducing the risk of problem loans, eliminating the factors that cause them, and improving the loan portfolio are identified. Also, an analysis of existing problem loans in the loan portfolio was conducted and practical proposals were made for their elimination. Keywords: bank, bank, loan, lending, borrower, overdue debt, problem loan, loan monitoring, non -performing loan. 318, bank, kredit, kreditlash, qarz oluvchi, muddati oʻtgan qarz, muammoli kredit, kredit monitoringi, ishlamaydigan kredit. Aннотация В статье рассматриваются вопросы повышения эффективности банков с просроченными кредитами. Определены наиболее эффективные методы снижения рисков проблемных займов, устранения факторов их возникновения и улучшения кредитного портфеля. Проведен анализ текущих проблемных кредитов в структуре портфеля и представлены практич еские рекомендации по их устранению. Ключевые слова: банк, кредит, кредитование, заемщик, просроченный долг, проблемный кредит, мониторинг кредита, неработающий кредит. Annotation The article considers the issues of increasing the efficiency of banks with overdue debts. The most effective methods of reducing the risk of problem loans, eliminating the factors that cause them, and improving the loan portfolio are identified. Also, an analysis of existing problem loans in the loan portfolio was conducted and practical proposals were made for their elimination. Keywords: bank, loan, lending, borrower, overdue debt, problem loan, loan monitoring, non -performing loan. 318
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