IQTISODIY NOANIQLIK SHAROITIDA TIJORAT BANKLARIDA MUAMMOLI KREDITLARNI QAYTA TARKIBLASH MASALALARI
Аннотация
Ushbu tadqiqotda makroiqtisodiy noaniqlik, global moliyaviy beqarorlik va tashqi shoklar sharoitida tijorat banklarida muammoli kreditlarni (NPL) qayta tarkiblash (restrukturizatsiya) mexanizmlarining nazariy-uslubiy va amaliy masalalari tadqiq etilgan. Qarz oluvchilarning to‘lov qobiliyati pasayishi va aktivlar sifatining yomonlashuvi sharoitida an’anaviy qat’iy undiruv choralari bilan solishtirganda qayta tarkiblash vositalarining bank kapitali adekvatligi va likvidligiga ta’siri ilmiy jihatdan asoslab berilgan. Tadqiqot doirasida vaqtinchalik likvidlik yetishmovchiligi hamda tizimli to‘lovga qobiliyatsizlik holatlarini farqlash mezonlari, 9-son BHXS (IFRS 9) talablari asosida forborn (forborne) aktivlar hisobi, «evergreening» (samarasiz qarzni sun’iy yangilash) xatarlari hamda qayta defolt (re-default) ehtimolini kamaytirish yo‘llari tahlil qilingan. Olingan natijalar asosida muammoli aktivlarni sog‘lomlashtirish, qarz shartlarini moslashuvchan optimallashtirish va tijorat banklarining inqirozga chidamliligini oshirishga qaratilgan PhD darajasidagi ilmiy-amaliy takliflar ishlab chiqilgan.
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Библиографические ссылки
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