Crediting System In Commercial Banks Of The Republic Of Uzbekistan And Risk Management Connected With Them

Muhlisa Mahmudova

In this article, we have talked about how banks can withstand the ever-evolving economic changes, especially the risks associated with credit operations. Although there have been many scientific articles on bank risk up to date, banks do not stop looking for a more advanced risk management option. This show that our research topic is relevant. In this regard, banks should study and effectively use the experience of foreign banks and credit operations in their lending activities. For this, commercial banks must have the necessary skills and knowledge. This will allow, first, to study the causes and consequences of the occurrence of risks. Secondly, assessment of the potential risk, satisfaction of management need to ensure stable operation of banks. In this article, we have tried to study the characteristics of credit risk, its causes, with help of the scientific literature, and the statistics data. The analysis was carried out on the basis of data provided by the commercial banks of Uzbekistan. Based on the analysis, the theoretical and practical aspects of credit risk management of commercial banks were considered. This will help to minimize the potential risks in the financial banking sector, and to warn them of the potential economic downturns in minimizing their negative effects.

Volume 12 | Issue 2

Pages: 2939-2947