KREDIT RISKLARINI BOSHQARISH VA BAHOLASH USULLARINI TAKOMILLASHTIRISHDA XORIJIY DAVLATLARNING ILG‘OR TAJRIBALARIDAN FOYDALANISH MASALALARI
Abstract
Rivojlangan xorijiy mamlakatlarda kredit risklarini boshqarish va baholash tizimi bank faoliyatining ajralmas tarkibiy qismi sifatida shakllangan bo‘lib, u risklarni identifikatsiya qilish, miqdorlashtirish, doimiy kuzatish va kamaytirishning kompleks mexanizmlarini qamrab oladi. Xalqaro amaliyot shuni ko‘rsatadiki, kredit risklarini boshqarish jarayoni bankning umumiy strategiyasi, kapitalning yetarlilik darajasi va rentabellik ko‘rsatkichlari bilan chambarchas bog‘liqdir.
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