KREDIT RISKINI BAHOLASH VA BOSHQARISHNI TAKOMILLASHTIRISH

Аннотация

This scientific article discusses the essence of credit risk in the activities of commercial banks, the theoretical and practical foundations of its assessment, and ways to improve management mechanisms. In the context of instability in international financial markets, reforms in the national economy, and digital transformation processes, effective credit risk management is considered an important factor ensuring the financial stability and sustainable development of the banking system. The article provides a detailed analysis of traditional and modern methods of credit risk assessment - analysis of financial indicators, credit scoring systems, stress tests and scenario analyses, and mechanisms for calculating expected credit losses based on IFRS 9. It also studies the effectiveness of risk management systems in accordance with Basel III requirements, diversification of the credit portfolio, strengthening collateral and guarantee mechanisms, and the use of digital technologies in risk monitoring. The analysis shows that in recent years, the practice of credit risk management by commercial banks in Uzbekistan has been gradually adapting to international standards. 2 08 International scientific journal ISSN: 2181-3906 «MODERN SCIENCE АND RESEARCH» 2025 VOLUME 4 / ISSUE 9 / UIF:8.2 / MODERNSCIENCE.UZ This serves to reduce the level of non-return in the loan portfolio, ensure liquidity and capital adequacy. According to the results of the article, modern approaches to credit risk management and the widespread use of digital technologies are considered important factors in increasing the efficiency of the banking system, strengthening financial stability and increasing investment attractiveness. Keywords: Credit risk, credit risk assessment, risk management, IFRS 9, Basel III, expected credit losses (ECL), credit scoring, stress test, diversification, bank stability, financial risks, digital technologies, risk monitoring, capital adequacy.