TIJORAT BANKLARINING KREDIT SIYOSATINI TAKOMILLASHTIRISH.

Аннотация

This article analyzes the content and current state of credit policy of commercial banks. The quality of the credit portfolio of Uzbek commercial banks, problems encountered in the lending process and proposals for their solution are presented. Also, approaches to organizing international credit policy based on the experience of developed countries (USA, European Union, South Korea) are studied. The article substantiates ways to improve the credit policy of commercial banks through credit risk management, the introduction of digital technologies, and diversification of the credit portfolio. Based on scientific analysis and proposals, practical recommendations for commercial banks are developed. Keywords: commercial banks, credit policy, lending, credit portfolio, credit risks, digitization, scoring system, financial stability, risk management, banking supervision.