POINTS TO MINIMIZE RISKS IN THE INFORMATION GIVEN TO THE CLIENTS BUYING A CREDIT

Аннотация

In this article, one of the most important measures to increase the creditworthiness of enterprises is the scientific improvement of the methods of transition to the practice of assessment by dividing the obligations in direct calculations into internal and external obligations. Key words: Credit risks, creditworthiness, private capital, solvency and insolvency. In the conditions of the market economy, the analysis of the risk system provided by the information provided by the reporting data of economic entities is considered to be a necessary tool. Together with the number, the goals of using the information are clear and in most cases the maps are opposite to each other. For example, if the state budget is determined by the fiscal point of view to estimate the amount of property under the control of the company at a reasonable price, the creditor's company is determined to estimate the property's value at the lowest possible price, as well as the risks in the collateral. It is necessary to assess the reliability of information during the analysis of the risk system. As a result of the reason analysis, the reliability of the information is determined by the degree of reliability of the information, first of all, accounting balance information. In our opinion, the opinion of E. Jones [1] that "balance gives an answer to the question of risk in business" is correct. Economists generally consider it necessary to know the amount of the company's personal capital when assessing the risk, because depending on its level, the company's economic efficiency or economic efficiency is assessed. The short-term loans of private capital companies are calculated as an indication of the total assets of the company, and its composition includes the company's charter capital, reserve capital, joint capital, undistributed profit (recovered loss), purchased private shares, and other targeted income. The asset of the private capital economic entity is maintained in the park in the middle of all thanks. Private capital, labor output, and property ownership, and co-investment may increase or decrease depending on the results of other services. According to economists, due to the accumulation of the amount of undisbursed profit in the annual average of the equity capital, as a result, the share of the equity capital is the result of the accumulation, but together with the increase of the annual average value of the equity capital, the level of profitability of the equity capital remains unchanged. decreases. The reduction of the share of private capital, while the profit of the utility company, has led to the increase of the profitability of private capital. 4 23 International scientific journal ISSN: 2181-3906 «MODERN SCIENCE АND RESEARCH» 2025 VOLUME 4 / ISSUE 6 / UIF:8.2 / MODERNSCIENCE.UZ It should be noted that the goal of full access to the data is negatively proportional to the goal of naturalization. The authorized capital played the most important role in the formation of personal capital during the development of companies, as well as in joint-stock companies. During the formation of the company, the size of the authorized capital, the share of the total private capital in most companies, for example, in joint-stock companies, reached 90%. The need to manage credit risks and various risks is considered one of the most important issues in the context of the globalization of the market economy and the globalization of the international economy. When talking about credit risks, attention should be paid to the nature and meaning of these risks, the reasons for their occurrence, and social and economic consequences. Transactions related to risks occur in the process of active operations in the operation of interbank banking. Commercial banks can provide loans as well as investment operations in the form of asset operations related to risk. Bank risks are different from the point of view of their appearance, and all of them are explained by the fact that the money that was spent in the form of a loan does not return in full. The risk of credit risk or debt repayment comes from the reluctance of the creditor to change the terms of the loan in order to repay the loan in a timely manner. Credit risk is considered to be one of the most common risks in banking. Finally, commercial banks should pay special attention to this process in their credit policy. Repayment of the received loan in a timely manner is considered as a condition of unfaithfulness to the replacement of credit conditions, full repayment of loans, partial repayment (in this case, the interest of the received loans is also included in the commission payments) or the postponement of the term. Credit risk is characterized by the risk of not being able to pay the debts due in accordance with the terms of the loan agreement. The most effective solution to the risk management of banks is achieved only through constant monitoring of the creditworthiness of debtors and fin