KREDIT REYTINGI TIZIMLARI VA BANK KREDITLASH SIYOSATIGA TA’SIRI
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Аннотация:
Ushbu maqolada kredit reytingi tushunchasi, reyting agentliklarining iqtisodiy rolini ochib berish, shuningdek, bank kreditlash siyosatiga ta’sir qiluvchi omillarni tahlil qilish maqsad qilingan. Avvalo, kredit reytingi tizimlarining tarixiy shakllanish bosqichlari, reyting agentliklarining reyting berish metodologiyasi va mezonlari yoritiladi. Shundan so‘ng, reytinglarning banklar qaror qabul qilish jarayonidagi o‘rni, xususan, kredit shartlari, foiz stavkalari hamda risk-menejment siyosatini shakllantirishdagi roli atroflicha ko‘rib chiqiladi. Maqolaning yakunida bank sektorida reyting baholari samaradorligini oshirish, alternativ baholash modellari va tartibga solish islohotlari bo‘yicha tavsiyalar ilgari suriladi.
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