EVALUATING CREDIT RESOURCE FORMATION AND UTILIZATION IN UZBEKISTAN'S BANKING SECTOR: AN ANALYTICAL APPROACH

Аннотация

This article explores the formation and utilization of credit resources in the banking sector of Uzbekistan, providing an in-depth analysis of the sources, efficiency, and challenges of credit resource allocation. It examines the primary sources of credit resources in Uzbekistan’s banking system, including customer deposits, interbank loans, capital markets, and central bank funding. The article also assesses the effectiveness of credit utilization, with a focus on risk management, interest rates, loan portfolio quality, and sectoral allocation. Additionally, it identifies challenges faced by the sector, such as underdeveloped capital markets and credit risk management, and offers recommendations for improving credit resource utilization. This analytical approach contributes valuable insights into the functioning of Uzbekistan's banking sector and its role in supporting economic development.