TIJORAT BANKLARIDA KREDIT RISKLARINI BOSHQARISH SAMARADORLIGINI OSHIRISH MASALALARI

Abstract

This scientific article examines the theoretical and practical aspects of credit risk management in commercial banks. The impact of credit risks on banking activities, methods for assessing risks, and mechanisms for reducing risks are scientifically analyzed. The study also explores the quality of loan portfolios, the level of non-performing loans, and the effectiveness of risk management systems in commercial banks of Uzbekistan. Based on the research findings, practical recommendations were developed regarding the use of modern digital technologies, scoring systems, and diversification mechanisms in credit risk management.