TIJORAT BANKLARIDA MUAMMOLI KREDITLARNING UNDIRILISHI BO‘YICHA XORIJ TAJRIBASI
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Abstract:
Zamonaviy moliyaviy tizimda tijorat banklarining kredit portfelidagi sifatli aktivlar ulushi ularning moliyaviy barqarorligi va bozordagi ishonchliligini belgilovchi muhim omillardan biridir. Ayniqsa, muammoli kreditlar ulushi oshgan sharoitda, ularni tezkor, samarali va qonuniy asosda undirish banklarning faoliyatini tiklashda hal qiluvchi rol o‘ynaydi. Rivojlangan mamlakatlar tajribasi shuni ko‘rsatadiki, muammoli kreditlar bilan ishlashda kompleks yondashuv, ilg‘or texnologiyalar, yuridik mexanizmlar va institutsional islohotlar muhim ahamiyat kasb etadi. Quyida bir nechta ilg‘or xorijiy yondashuvlar tahlil qilinadi.
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