MUAMMOLI KREDITLARNI BAHOLASH VA ANIQLASH MODELLARI
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Аннотация:
Ushbu maqolada muammoli kreditlar, shuningdek, xarakatsiz kreditlar (NPL) qarz oluvchi to‘lov majburiyatlarini bajarmagan kreditlarni boshqarish bilan bog‘liq muammolar va ularni bartaraf etish yo‘llari o‘rganilgan. Xususan, banklarda muammoli kreditlar moliyaviy barqarorlik va rentabellik uchun katta xavf tug‘diradi. NPLning yuqori darajasi bankning kapital bazasini yemirishi, likvidligini pasaytirishi va kreditlash imkoniyatlarini yomonlashtirishi mumkin. Muammoli kreditlarning vujudga kelishida ko‘pincha kreditni noto‘g‘ri baholash, iqtisodiy tanazzul, sohaga oid inqirozlar va qarz oluvchilarni noto‘g‘ri boshqarish kabi sabablar asos bo‘ladi.
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