ПРИЧИНЫ И ОСОБЕННОСТИ ПРОБЛЕМНЫХ КРЕДИТОВ В КОММЕРЧЕСКИХ БАНКАХ

Аннотация

This article examines the multifaceted issues of non-performing loans in commercial banks, focusing on understanding their specific features, emphasizing important issues related to risk management in financial institutions. The study includes factors influencing the occurrence of problem loans, their economic indicators, the state of the credit market, characteristics of borrowers, as well as regulatory effects. In addition, the study examines the specific characteristics of problem loans, such as loan volume, type and collateral, and highlights the circumstances that distinguish them from loans. It also presents important approaches of commercial banks to develop effective strategies to reduce the risk of loan default. Keywords: commercial banks, lending practice, problem loans, high profitability, macroeconomic factors, credit risks, loan agreements. 90 90-98 VII SON - NOYABR, 2023 Iqtisodiy taraqqiyot va tahlil, 2023-yil, noyabr www.e-itt.uz