RISKLARINI BAHOLASH VA BOSHQARISHNING YANGI IMKONIYATLARI Ashurov Asror Rahmatullayevich Toshkent davlat iqtisodiyot universiteti mustaqil tadqiqotchisi

Аннотация

The article analyzes modern opportunities for assessing and managing credit risks in banks in the digital economy. The formation of a risk profile of a loan portfolio and stress tests allow for early identification of risks. The article also discusses new methods of credit risk management and the importance and prospects of introducing digital tools in the banking system of Uzbekistan. The article also analyzes the current state of the banking system of our country in terms of lending, the dynamics of the share of problem loans in total loans and the state share of problem loans in other banks. Keywords: problem loan, loan portfolio, stress test, risk profile, credit risk, stress test scenario, risk appetite, risk model.